0001538263-23-000009 | 10-Q | XBRL Viewer

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Cover - shares	6 Months Ended
Cover - shares	Dec. 31, 2022	Feb. 03, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Dec. 31, 2022
Document Transition Report	false
Entity File Number	001-35593
Entity Registrant Name	HOMETRUST BANCSHARES, INC.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	45-5055422
Entity Address, Address Line One	10 Woodfin Street
Entity Address, City or Town	Asheville
Entity Address, State or Province	NC
Entity Address, Postal Zip Code	28801
City Area Code	828
Local Phone Number	259-3939
Title of 12(b) Security	Common Stock, par value $.01 per share
Trading Symbol	HTBI
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		15,882,640
Entity Central Index Key	0001538263
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q2
Amendment Flag	false

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Assets
Cash	$ 15,825	$ 20,910
Interest-bearing deposits	149,209	84,209
Cash and cash equivalents	165,034	105,119
Commercial paper, net	0	194,427
Certificates of deposit in other banks	29,371	23,551
Debt securities available for sale, at fair value (amortized cost of $152,790 and $130,099 at December 31, 2022 and June 30, 2022, respectively)	147,942	126,978
FHLB and FRB stock	13,661	9,326
SBIC investments, at cost	12,414	12,758
Loans held for sale, at fair value	518	0
Loans held for sale, at the lower of cost or fair value	72,777	79,307
Total loans, net of deferred loan fees and costs	2,985,623	2,769,295
ACL on loans	(38,859)	(34,690)
Loans, net	2,946,764	2,734,605
Premises and equipment, net	65,216	69,094
Accrued interest receivable	11,076	8,573
Deferred income taxes, net	11,319	11,487
BOLI	96,335	95,281
Goodwill	25,638	25,638
Core deposit intangibles, net	32	93
Other assets	48,918	52,967
Total assets	3,647,015	3,549,204
Liabilities
Deposits	3,048,020	3,099,761
Borrowings	130,000	0
Other liabilities	58,840	60,598
Total liabilities	3,236,860	3,160,359
Stockholders' equity
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value, 60,000,000 shares authorized, 15,673,595 shares issued and outstanding at December 31, 2022; 15,591,466 at June 30, 2022	157	156
Additional paid in capital	128,486	126,106
Retained earnings	290,271	270,276
Unearned ESOP shares	(5,026)	(5,290)
Accumulated other comprehensive loss	(3,733)	(2,403)
Total stockholders' equity	410,155	388,845
Total liabilities and stockholders' equity	$ 3,647,015	$ 3,549,204

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Statement of Financial Position [Abstract]
Debt securities available for sale, at fair value, amortized cost	$ 152,790	$ 130,099
Preferred stock par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock authorized shares	10,000,000	10,000,000
Preferred stock issued shares	0	0
Preferred stock shares outstanding	0	0
Common stock par value (in dollars per share)	$ 0.01	$ 0.01
Common stock shares authorized	60,000,000	60,000,000
Common stock shares issued	15,673,595	15,591,466
Common stock shares outstanding	15,673,595	15,591,466

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Interest and dividend income
Loans	$ 38,995	$ 26,929	$ 72,240	$ 54,824
Commercial paper	184	303	1,300	458
Debt securities available for sale	1,151	411	1,829	935
Other investments and interest-bearing deposits	1,072	845	1,960	1,576
Total interest and dividend income	41,402	28,488	77,329	57,793
Interest expense
Deposits	3,603	1,305	4,998	2,877
Borrowings	254	15	266	41
Total interest expense	3,857	1,320	5,264	2,918
Net interest income	37,545	27,168	72,065	54,875
Provision (benefit) for credit losses	2,240	(2,500)	6,227	(3,960)
Net interest income after provision (benefit) for credit losses	35,305	29,668	65,838	58,835
Noninterest income
Service charges and fees on deposit accounts	2,523	2,513	4,861	4,885
Loan income and fees	647	805	1,217	1,784
Gain on sale of loans held for sale	1,102	3,901	2,688	7,958
BOLI income	494	490	1,021	1,008
Operating lease income	1,156	1,718	2,741	3,258
Gain (loss) on sale of premises and equipment	1,127	(87)	1,115	(87)
Other	1,405	753	2,209	1,639
Total noninterest income	8,454	10,093	15,852	20,445
Noninterest expense
Salaries and employee benefits	14,484	14,872	29,299	30,152
Occupancy expense, net	2,428	2,401	4,824	4,718
Computer services	2,796	2,609	5,559	5,130
Telephone, postage, and supplies	575	672	1,178	1,322
Marketing and advertising	481	832	1,071	1,537
Deposit insurance premiums	546	302	1,088	868
Core deposit intangible amortization	26	65	60	158
Merger-related expenses	250	0	724	0
Other	4,490	4,069	8,362	7,953
Total noninterest expense	26,076	25,822	52,165	51,838
Net income before income taxes	17,683	13,939	29,525	27,442
Income tax expense	4,025	2,861	6,668	5,837
Net income	$ 13,658	$ 11,078	$ 22,857	$ 21,605
Net income per common share
Basic (in dollars per share)	$ 0.90	$ 0.70	$ 1.51	$ 1.36
Diluted (in dollars per share)	$ 0.90	$ 0.68	$ 1.50	$ 1.33
Average shares outstanding
Basic (in shares)	15,028,179	15,632,283	15,008,092	15,696,765
Diluted (in shares)	15,161,153	15,989,606	15,145,701	16,057,607

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 13,658	$ 11,078	$ 22,857	$ 21,605
Other comprehensive income (loss)
Gains (losses) arising during the period	411	(882)	(1,727)	(1,187)
Deferred income tax benefit (expense)	(95)	203	397	273
Total other comprehensive income (loss)	316	(679)	(1,330)	(914)
Comprehensive income	$ 13,974	$ 10,399	$ 21,527	$ 20,691

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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- Definition

Amount after tax and reclassification adjustments of other comprehensive income (loss).

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+ Details

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid In Capital	Retained Earnings	Unearned ESOP Shares	Accumulated Other Comprehensive Loss
Balance at beginning of period (in shares) at Jun. 30, 2021		16,636,483
Balance at beginning of period at Jun. 30, 2021	$ 396,519	$ 167	$ 160,582	$ 240,075	$ (5,819)	$ 1,514
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	21,605			21,605
Cash dividends declared on common stock	(2,694)			(2,694)
Common stock repurchased (in shares)		(675,832)
Common stock repurchased	(19,403)	$ (7)	(19,396)
Forfeited restricted stock (in shares)		(9,400)
Retired stock (in shares)		(2,708)
Retired stock	$ (75)		(75)
Granted restricted stock (in shares)		0
Stock issued for RSUs (in shares)		7,118
Exercised stock options (in shares)	347,800	347,800
Exercised stock options	$ 5,042	$ 3	5,039
Share-based compensation expense	900		900
ESOP compensation expense	766		502		264
Other comprehensive income (loss)	(914)					(914)
Balance at end of period (in shares) at Dec. 31, 2021		16,303,461
Balance at end of period at Dec. 31, 2021	401,746	$ 163	147,552	258,986	(5,555)	600
Balance at beginning of period (in shares) at Sep. 30, 2021		16,307,658
Balance at beginning of period at Sep. 30, 2021	396,511	$ 163	151,425	249,331	(5,687)	1,279
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	11,078			11,078
Cash dividends declared on common stock	(1,423)			(1,423)
Common stock repurchased (in shares)		(299,397)
Common stock repurchased	(8,970)	$ (3)	(8,967)
Forfeited restricted stock (in shares)		(6,400)
Exercised stock options (in shares)		301,600
Exercised stock options	4,342	$ 3	4,339
Share-based compensation expense	485		485
ESOP compensation expense	402		270		132
Other comprehensive income (loss)	(679)					(679)
Balance at end of period (in shares) at Dec. 31, 2021		16,303,461
Balance at end of period at Dec. 31, 2021	$ 401,746	$ 163	147,552	258,986	(5,555)	600
Balance at beginning of period (in shares) at Jun. 30, 2022	15,591,466	15,591,466
Balance at beginning of period at Jun. 30, 2022	$ 388,845	$ 156	126,106	270,276	(5,290)	(2,403)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	22,857			22,857
Cash dividends declared on common stock	(2,862)			(2,862)
Forfeited restricted stock (in shares)		(6,200)
Retired stock (in shares)		(4,079)
Retired stock	$ (95)		(95)
Granted restricted stock (in shares)		4,500
Stock issued for RSUs (in shares)		13,861
Exercised stock options (in shares)	74,047	74,047
Exercised stock options	$ 1,065	$ 1	1,064
Share-based compensation expense	1,031		1,031
ESOP compensation expense	644		380		264
Other comprehensive income (loss)	$ (1,330)					(1,330)
Balance at end of period (in shares) at Dec. 31, 2022	15,673,595	15,673,595
Balance at end of period at Dec. 31, 2022	$ 410,155	$ 157	128,486	290,271	(5,026)	(3,733)
Balance at beginning of period (in shares) at Sep. 30, 2022		15,632,348
Balance at beginning of period at Sep. 30, 2022	396,222	$ 156	127,153	278,120	(5,158)	(4,049)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	13,658			13,658
Cash dividends declared on common stock	(1,507)			(1,507)
Forfeited restricted stock (in shares)		(5,800)
Exercised stock options (in shares)		47,047
Exercised stock options	677	$ 1	676
Share-based compensation expense	464		464
ESOP compensation expense	325		193		132
Other comprehensive income (loss)	$ 316					316
Balance at end of period (in shares) at Dec. 31, 2022	15,673,595	15,673,595
Balance at end of period at Dec. 31, 2022	$ 410,155	$ 157	$ 128,486	$ 290,271	$ (5,026)	$ (3,733)

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Statement of Stockholders' Equity [Abstract]
Common stock, dividends, declared (in dollars per share)	$ 100	$ 90.00	$ 190	$ 170

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Operating activities
Net income	$ 22,857	$ 21,605
Adjustments to reconcile net income to net cash provided by operating activities:
Provision (benefit) for credit losses	6,227	(3,960)
Depreciation and amortization of premises and equipment and equipment for operating leases	4,360	4,782
Deferred income tax expense	565	5,154
Net accretion of purchase accounting adjustments on loans	(373)	(784)
Net amortization and accretion	1,467	1,586
Loss (gain) from sale of premises and equipment	(1,115)	87
Gain on sale of REO	0	(3)
Loss incurred at the end of operating leases	189	92
BOLI income	(1,021)	(1,008)
Gain on sale of loans held for sale	(2,688)	(7,958)
Origination of loans held for sale	(116,402)	(301,898)
Proceeds from sale of loans held for sale	115,754	303,911
New deferred loan origination fees, net	(2,855)	(273)
Decrease in accrued interest receivable and other assets	(6,220)	(2,255)
ESOP compensation expense	644	766
Share-based compensation expense	1,031	900
Decrease in other liabilities	(1,989)	(3,391)
Net cash provided by operating activities	20,431	17,353
Investing activities
Purchases of debt securities available for sale	(59,056)	(7,011)
Proceeds from maturities, calls and paydowns of debt securities available for sale	36,389	40,042
Purchases of commercial paper	(210,292)	(291,652)
Proceeds from maturities and calls of commercial paper	406,269	227,499
Purchases of CDs in other banks	(9,455)	(996)
Proceeds from maturities of CDs in other banks	3,635	7,116
Net (purchases) redemptions of FHLB and FRB stock	(4,335)	3,170
Net (purchases) redemptions of SBIC investments, at cost	344	(1,577)
Net (increase) decrease in loans	(208,031)	34,131
Purchase of BOLI	(33)	(93)
Purchase of equipment for operating leases	(4,918)	(1,677)
Sale of equipment for operating leases	4,120	1,558
Purchase of premises and equipment	(1,157)	(4,886)
Proceeds from sale of premises and equipment and assets held for sale	9,634	1,693
Proceeds from sale of REO	3	146
Net cash provided by (used in) investing activities	(36,883)	7,463
Financing activities
Net increase (decrease) in deposits	(51,741)	43,150
Net increase (decrease) in short-term borrowings	130,000	(97,000)
Proceeds from long-term borrowings	0	30,000
Common stock repurchased	0	(19,403)
Cash dividends paid	(2,862)	(2,694)
Retired stock	(95)	(75)
Exercised stock options	1,065	5,042
Net cash provided by (used in) financing activities	76,367	(40,980)
Net increase (decrease) in cash and cash equivalents	59,915	(16,164)
Cash and cash equivalents at beginning of period	105,119	50,990
Cash and cash equivalents at end of period	165,034	34,826
Cash paid during the period for:
Interest	4,988	2,929
Income taxes	1,156	192
Noncash transactions:
Unrealized loss in value of debt securities available for sale, net of income taxes	(1,330)	(914)
Transfer of loans held for sale to loans held for investment	8,753	11,629
Transfer of loans held for investment to loans held for sale	0	12,827
ROU asset and lease liabilities for operating lease accounting	2,108	946
Transfer of premises and equipment to assets held for sale (included in other assets)	$ 0	$ 3,229

Summary of Significant Accounting Policies	6 Months Ended
Summary of Significant Accounting Policies	Dec. 31, 2022
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies The consolidated financial statements presented in this report include the accounts of HomeTrust Bancshares, Inc., a Maryland corporation ("HomeTrust"), and its wholly-owned subsidiary, HomeTrust Bank (the "Bank"). As used throughout this report, the term the "Company" refers to HomeTrust and the Bank, its consolidated subsidiary, unless the context otherwise requires. The accompanying unaudited consolidated financial statements have been prepared in accordance with US GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended June 30, 2022 ("2022 Form 10-K") filed with the SEC on September 12, 2022. The results of operations for the six months ended December 31, 2022 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2023. The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions, and other subjective assessments. In particular, management has identified the determination of the provision and the ACL on loans as an accounting policy that, due to the judgments, estimates and assumptions inherent in this policy, is critical to an understanding of the Company's financial statements. This policy and the related judgments, estimates and assumptions is described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in the 2022 Form 10-K. Management believes that the judgments, estimates, and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to this critical accounting policy, the use of other judgments, estimates, and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on this estimate and the Company's financial condition and operating results in future periods. Reclassifications To maintain consistency and comparability, certain amounts from prior periods have been reclassified to conform to current period presentation with no effect on net income or stockholders’ equity as previously reported. Loans Held for Sale Residential mortgages originated and intended for sale in the secondary market through mandatory delivery contracts are recorded at fair value (fair value option elected). The fair value includes the servicing value of the loans as well as any accrued interest, with changes in value recorded through the gain on sale of loans held for sale. Conversely, residential mortgages originated and intended for sale in the secondary market on a best efforts basis are sold with servicing released and carried at the lower of cost or fair value as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. The Company originates loans guaranteed by the SBA for the purchase of businesses, business startups, business expansion, equipment, and working capital. All SBA loans are underwritten and documented as prescribed by the SBA. SBA loans are generally fully amortizing and have maturity dates and amortizations of up to 25 years. SBA loans are classified as held for sale and are carried at the lower of cost or fair value. The guaranteed portion of the loan is sold and the servicing rights are retained. A gain is recorded for any premium received in excess of the carrying value of the net assets transferred in the sale and is included in the gain on sale of loans held for sale. The portion of SBA loans that are retained are adjusted to fair value and reclassified to total loans, net of deferred costs (loans held for investment). The net value of the retained loans is included in the appropriate loan classification for disclosure purposes. HELOCs held for sale are originated through a third party in various states outside the Company's geographic footprint, but are underwritten to the Company's underwriting guidelines. The loans are generally held for sale by the Company over a 90 to 180 day period and are serviced by the third party. The loans are marketed by the third party to investors in pools and once sold the Company recognizes a gain or loss on the sale which is recorded through the gain on sale of loans held for sale. Derivative Instruments and Hedging The Company holds and issues derivative financial instruments such as IRLCs and other forward sale commitments. IRLCs are subject to pricing risk primarily related to fluctuations in market interest rates. To hedge the interest rate risk on certain IRLCs, the Company uses forward sale commitments such as TBAs or mandatory delivery commitments with investors. Management expects these forward sale commitments to experience changes in fair value opposite to the changes in fair value of the IRLCs, thereby reducing earnings volatility. Forward sale commitments are also used to hedge the interest rate risk on mortgage loans held for sale that are not committed to investors and still subject to price risk. If the mandatory delivery commitments are not fulfilled, the Company pays a pair-off fee. Best effort forward sale commitments are also executed with investors, whereby certain loans are locked with a borrower and simultaneously committed to an investor at a fixed price. If the best effort IRLC does not fund, there is no obligation to fulfill the investor commitment. The Company considers various factors and strategies in determining what portion of the IRLCs and uncommitted mortgage loans held for sale to economically hedge. All derivative instruments are recognized as other assets or other liabilities on the consolidated statements of financial condition at their fair value. Changes in the fair value of the derivative instruments and gains and losses resulting from the pairing- out of forward sale commitments are recognized in the gain on sale of loans held for sale on the consolidated statements of income in the period in which they occur. The Company accounts for all derivative instruments as free-standing derivative instruments and does not designate any for hedge accounting.

Recent Accounting Pronouncements	6 Months Ended
Recent Accounting Pronouncements	Dec. 31, 2022
Accounting Changes and Error Corrections [Abstract]
Recent Accounting Pronouncements	Recent Accounting Pronouncements Newly Issued but Not Yet Effective Accounting Standards ASU 2022-02, "Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures." This ASU eliminates the TDR recognition and measurement guidance and requires that an entity evaluate whether the modification represents a new loan or a continuation of an existing loan. The amendment also adjusts the disclosures related to modifications and requires entities to disclose current-period gross write-offs by year of origination within the existing vintage disclosures. The amendments in this ASU are effective for fiscal years beginning after December 15, 2022, and interim periods within those fiscal years and early adoption is permitted. The Company is currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

- Definition

The entire disclosure for change in accounting principle. Includes, but is not limited to, nature, reason, and method of adopting amendment to accounting standards or other change in accounting principle.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Debt Securities

6 Months Ended

Dec. 31, 2022

Investments, Debt and Equity Securities [Abstract]

Debt Securities

Debt securities available for sale consist of the following at the dates indicated:


	December 31, 2022
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value
U.S. government agencies	$	15,998	$	—	$	(599)	$	15,399
MBS, residential	87,007		9		(2,569)		84,447
Municipal bonds	4,522		1		(114)		4,409
Corporate bonds	45,263		—		(1,576)		43,687

Total	$	152,790	$	10	$	(4,858)	$	147,942


	June 30, 2022
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value
U.S. government agencies	$	18,993	$	5	$	(539)	$	18,459
MBS, residential	48,377		3		(1,147)		47,233
Municipal bonds	5,545		31		(18)		5,558
Corporate bonds	57,184		1		(1,457)		55,728

Total	$	130,099	$	40	$	(3,161)	$	126,978

Debt securities available for sale by contractual maturity at December 31, 2022 and June 30, 2022 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule.



	December 31, 2022
	Amortized Cost		Estimated Fair Value
Due within one year	$	42,262	$	41,448
Due after one year through five years	18,006		17,060
Due after five years through ten years	5,515		4,987
Due after ten years	—		—
MBS, residential	87,007		84,447
Total	$	152,790	$	147,942



	June 30, 2022
	Amortized Cost		Estimated Fair Value
Due within one year	$	35,350	$	34,956
Due after one year through five years	40,325		39,018
Due after five years through ten years	6,047		5,771
Due after ten years	—		—
MBS, residential	48,377		47,233
Total	$	130,099	$	126,978

The Company had no sales of debt securities available for sale and no gross realized gains or losses were recognized during the six months ended December 31, 2022 and 2021.

Debt securities available for sale with amortized costs totaling $83,849 and $43,187 and market values of $80,818 and $41,876 at December 31, 2022 and June 30, 2022, respectively, were pledged as collateral to secure various public deposits and other borrowings.

The gross unrealized losses and the fair value for debt securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of December 31, 2022 and June 30, 2022 were as follows:


	December 31, 2022
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. government agencies	$	991	$	(8)	$	14,408	$	(591)	$	15,399	$	(599)
MBS, residential	73,958		(1,796)		8,571		(773)		82,529		(2,569)
Municipal bonds	3,408		(114)		—		—		3,408		(114)
Corporate bonds	21,807		(547)		19,980		(1,029)		41,787		(1,576)
Total	$	100,164	$	(2,465)	$	42,959	$	(2,393)	$	143,123	$	(4,858)


	June 30, 2022
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. government agencies	$	14,461	$	(539)	$	—	$	—	$	14,461	$	(539)
MBS, residential	41,658		(994)		5,269		(153)		46,927		(1,147)
Municipal bonds	1,970		(18)		—		—		1,970		(18)
Corporate bonds	39,454		(730)		14,273		(727)		53,727		(1,457)
Total	$	97,543	$	(2,281)	$	19,542	$	(880)	$	117,085	$	(3,161)

The total number of securities with unrealized losses at December 31, 2022 and June 30, 2022 were 195 and 177, respectively.

Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. All debt securities available for sale in an unrealized loss position as of December 31, 2022 continue to perform as scheduled and management does not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of management's evaluation of its intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, management considers its investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. Management does not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that securities will be required to be sold. See "Note 1 – Summary of Significant Accounting Policies" in our 2022 Form 10-K for further discussion.

Management continues to monitor all of its securities with a high degree of scrutiny. There can be no assurance that management will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.

Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on investment securities and does not record an ACL on accrued interest receivable. As of December 31, 2022, the accrued interest receivable for debt securities available for sale was $552.

Loans Held For Sale

6 Months Ended

Dec. 31, 2022

Receivables [Abstract]

Loans Held For Sale

Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:


	December 31, 2022		June 30, 2022
One-to-four family	$	26	$	4,176
SBA	37,375		14,774
HELOCs	35,376		60,357

Total loans held for sale, at the lower of cost or fair value	$	72,777	$	79,307

The carrying balance of loans held for sale, at fair value, was $518 and $0 at December 31, 2022 and June 30, 2022, respectively, while the amortized cost of these loans was $506 and $0 at the same dates.

Loans and Allowance for Credit Losses on Loans

6 Months Ended

Dec. 31, 2022

Receivables [Abstract]

Loans and Allowance for Credit Losses on Loans

Loans consist of the following at the dates indicated(1):


	December 31, 2022		June 30, 2022
Commercial real estate loans
Construction and land development	$	328,253	$	291,202
Commercial real estate - owner occupied	340,824		335,658
Commercial real estate - non-owner occupied	690,241		662,159
Multifamily	69,156		81,086
Total commercial real estate loans	1,428,474		1,370,105
Commercial loans
Commercial and industrial	194,465		192,652
Equipment finance	426,507		394,541
Municipal leases	135,922		129,766
PPP loans	214		661
Total commercial loans	757,108		717,620
Residential real estate loans
Construction and land development	100,002		81,847
One-to-four family	400,595		354,203
HELOCs	194,296		160,137
Total residential real estate loans	694,893		596,187
Consumer loans	105,148		85,383
Total loans, net of deferred loan fees and costs	2,985,623		2,769,295
ACL on loans	(38,859)		(34,690)
Loans, net	$	2,946,764	$	2,734,605

(1) At December 31, 2022 and June 30, 2022 accrued interest receivable of $10,434 and $7,969 was accounted for separately from the amortized cost basis.

All qualifying one-to-four family first mortgage loans, HELOCs, commercial real estate loans, indirect auto, municipal leases and FHLB of Atlanta stock are pledged as collateral by a blanket pledge to secure any outstanding FHLB and FRB advances.

Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows:

Pass—A pass rated asset is not adversely classified because it does not display any of the characteristics for adverse classification.

Special Mention—A special mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification.

Substandard—A substandard asset is inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged, if any. Assets classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These assets are characterized by the distinct possibility of loss if the deficiencies are not corrected.

Doubtful—An asset classified doubtful has all the weaknesses inherent in an asset classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions, and values.

Loss—Assets classified loss are considered uncollectible and of such little value that their continuing to be carried as an asset is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.

The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate, and consumer loans by origination year as of December 31, 2022:


	Term Loans By Origination Fiscal Year
December 31, 2022	2023		2022			2021		2020		2019		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	18,267	$	26,694		$	5,195	$	609	$	1,582	$	7,090	$	267,895	$	327,332
Special mention	—		—			—		—		—		—		—		—
Substandard	—		871			—		—		—		50		—		921
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total construction and land development	18,267		27,565			5,195		609		1,582		7,140		267,895		328,253
Commercial real estate - owner occupied
Risk rating
Pass	22,024		57,836			68,838		46,495		39,665		86,119		14,006		334,983
Special mention	—		132			—		386		391		2,319		—		3,228
Substandard	—		—			—		—		—		2,613		—		2,613
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate - owner occupied	22,024		57,968			68,838		46,881		40,056		91,051		14,006		340,824
Commercial real estate - non-owner occupied
Risk rating
Pass	51,653		96,511			117,902		90,348		56,597		239,453		18,357		670,821
Special mention	—		—			—		—		—		14,040		5,379		19,419
Substandard	—		—			—		—		—		1		—		1
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate - non-owner occupied	51,653		96,511			117,902		90,348		56,597		253,494		23,736		690,241
Multifamily
Risk rating
Pass	1,962		11,755			18,964		10,402		3,381		21,808		483		68,755
Special mention	—		—			—		—		29		62		—		91
Substandard	—		—			—		—		—		310		—		310
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total multifamily	1,962		11,755			18,964		10,402		3,410		22,180		483		69,156
Total commercial real estate
Risk rating
Pass	$	93,906	$	192,796	—	$	210,899	$	147,854	$	101,225	$	354,470	$	300,741	$	1,401,891
Special mention	—		132			—		386		420		16,421		5,379		22,738
Substandard	—		871			—		—		—		2,974		—		3,845
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate	$	93,906	$	193,799		$	210,899	$	148,240	$	101,645	$	373,865	$	306,120	$	1,428,474


	Term Loans By Origination Fiscal Year
December 31, 2022	2023		2022		2021		2020		2019		Prior		Revolving		Total
Commercial and industrial
Risk rating
Pass	$	21,697	$	65,130	$	17,789	$	14,061	$	7,515	$	22,897	$	39,085	$	188,174
Special mention	—		147		349		—		219		—		200		915
Substandard	—		—		26		600		884		46		3,656		5,212
Doubtful	—		—		—		—		—		—		164		164
Loss	—		—		—		—		—		—		—		—
Total commercial and industrial	21,697		65,277		18,164		14,661		8,618		22,943		43,105		194,465
Equipment finance
Risk rating
Pass	101,278		161,067		93,081		49,654		17,966		1,061		—		424,107
Special mention	—		275		12		973		381		—		—		1,641
Substandard	—		—		121		27		149		—		—		297
Doubtful	—		229		233		—		—		—		—		462
Loss	—		—		—		—		—		—		—		—
Total equipment finance	101,278		161,571		93,447		50,654		18,496		1,061		—		426,507
Municipal leases
Risk rating
Pass	13,145		19,881		23,588		8,443		10,309		47,465		13,091		135,922
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total municipal leases	13,145		19,881		23,588		8,443		10,309		47,465		13,091		135,922
PPP loans
Risk rating
Pass	—		—		13		201		—		—		—		214
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total PPP loans	—		—		13		201		—		—		—		214
Total commercial
Risk rating
Pass	$	136,120	$	246,078	$	134,471	$	72,359	$	35,790	$	71,423	$	52,176	$	748,417
Special mention	—		422		361		973		600		—		200		2,556
Substandard	—		—		147		627		1,033		46		3,656		5,509
Doubtful	—		229		233		—		—		—		164		626
Loss	—		—		—		—		—		—		—		—
Total commercial	$	136,120	$	246,729	$	135,212	$	73,959	$	37,423	$	71,469	$	56,196	$	757,108


	Term Loans By Origination Fiscal Year
December 31, 2022	2023		2022		2021		2020		2019		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	568	$	861	$	—	$	50	$	—	$	1,487	$	96,693	$	99,659
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		343		—		343
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total construction and land development	568		861		—		50		—		1,830		96,693		100,002
One-to-four family
Risk rating
Pass	24,334		70,877		89,996		46,166		27,833		124,754		11,086		395,046
Special mention	—		—		—		—		—		625		—		625
Substandard	—		126		—		57		—		4,703		—		4,886
Doubtful	—		—		—		—		—		38		—		38
Loss	—		—		—		—		—		—		—		—
Total one-to-four family	24,334		71,003		89,996		46,223		27,833		130,120		11,086		400,595
HELOCs
Risk rating
Pass	3,226		1,107		638		517		976		7,057		180,006		193,527
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		46		646		48		740
Doubtful	—		—		—		—		—		29		—		29
Loss	—		—		—		—		—		—		—		—
Total HELOCs	3,226		1,107		638		517		1,022		7,732		180,054		194,296
Total residential real estate
Risk rating
Pass	$	28,128	$	72,845	$	90,634	$	46,733	$	28,809	$	133,298	$	287,785	$	688,232
Special mention	—		—		—		—		—		625		—		625
Substandard	—		126		—		57		46		5,692		48		5,969
Doubtful	—		—		—		—		—		67		—		67
Loss	—		—		—		—		—		—		—		—
Total residential real estate	$	28,128	$	72,971	$	90,634	$	46,790	$	28,855	$	139,682	$	287,833	$	694,893


	Term Loans By Origination Fiscal Year
December 31, 2022	2023		2022		2021		2020		2019		Prior		Revolving		Total
Total consumer
Risk rating
Pass	$	40,368	$	21,422	$	16,557	$	11,767	$	7,954	$	5,902	$	256	$	104,226
Special mention	—		—		—		—		—		—		—		—
Substandard	44		106		166		279		77		235		7		914
Doubtful	—		—		7		—		—		—		—		7
Loss	—		—		—		—		1		—		—		1
Total consumer	$	40,412	$	21,528	$	16,730	$	12,046	$	8,032	$	6,137	$	263	$	105,148

The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate, and consumer loans by origination year as of June 30, 2022:


	Term Loans By Origination Fiscal Year
June 30, 2022	2022		2021			2020		2019		2018		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	21,988	$	5,686		$	627	$	2,089	$	1,092	$	5,819	$	248,189	$	285,490
Special mention	—		—			—		—		—		97		4,677		4,774
Substandard	871		—			—		—		—		67		—		938
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total construction and land development	22,859		5,686			627		2,089		1,092		5,983		252,866		291,202
Commercial real estate - owner occupied
Risk rating
Pass	55,167		71,429			45,665		43,786		21,720		74,602		16,857		329,226
Special mention	—		—			396		418		—		2,416		—		3,230
Substandard	—		—			—		—		577		2,227		398		3,202
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate - owner occupied	55,167		71,429			46,061		44,204		22,297		79,245		17,255		335,658
Commercial real estate - non-owner occupied
Risk rating
Pass	97,885		122,975			95,268		56,846		81,037		182,664		7,214		643,889
Special mention	—		—			—		—		13,844		4,421		—		18,265
Substandard	—		—			—		—		—		5		—		5
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate - non-owner occupied	97,885		122,975			95,268		56,846		94,881		187,090		7,214		662,159
Multifamily
Risk rating
Pass	10,135		19,985			15,881		8,614		2,796		20,587		2,495		80,493
Special mention	—		—			—		29		—		217		—		246
Substandard	—		—			—		—		—		347		—		347
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total multifamily	10,135		19,985			15,881		8,643		2,796		21,151		2,495		81,086
Total commercial real estate
Risk rating
Pass	$	185,175	$	220,075	—	$	157,441	$	111,335	$	106,645	$	283,672	$	274,755	$	1,339,098
Special mention	—		—			396		447		13,844		7,151		4,677		26,515
Substandard	871		—			—		—		577		2,646		398		4,492
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate	$	186,046	$	220,075		$	157,837	$	111,782	$	121,066	$	293,469	$	279,830	$	1,370,105


	Term Loans By Origination Fiscal Year
June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Commercial and industrial
Risk rating
Pass	$	70,863	$	21,059	$	11,361	$	9,377	$	6,338	$	20,856	$	43,119	$	182,973
Special mention	—		346		260		364		—		—		1,957		2,927
Substandard	—		770		343		1,152		—		52		4,337		6,654
Doubtful	—		98		—		—		—		—		—		98
Loss	—		—		—		—		—		—		—		—
Total commercial and industrial	70,863		22,273		11,964		10,893		6,338		20,908		49,413		192,652
Equipment finance
Risk rating
Pass	186,139		113,363		64,400		26,467		1,755		—		—		392,124
Special mention	200		331		1,002		547		—		—		—		2,080
Substandard	—		123		18		159		—		—		—		300
Doubtful	32		—		—		5		—		—		—		37
Loss	—		—		—		—		—		—		—		—
Total equipment finance	186,371		113,817		65,420		27,178		1,755		—		—		394,541
Municipal leases
Risk rating
Pass	19,425		24,480		8,962		11,034		13,584		39,529		12,715		129,729
Special mention	—		37		—		—		—		—		—		37
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total municipal leases	19,425		24,517		8,962		11,034		13,584		39,529		12,715		129,766
PPP loans
Risk rating
Pass	—		375		286		—		—		—		—		661
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total PPP loans	—		375		286		—		—		—		—		661
Total commercial
Risk rating
Pass	$	276,427	$	159,277	$	85,009	$	46,878	$	21,677	$	60,385	$	55,834	$	705,487
Special mention	200		714		1,262		911		—		—		1,957		5,044
Substandard	—		893		361		1,311		—		52		4,337		6,954
Doubtful	32		98		—		5		—		—		—		135
Loss	—		—		—		—		—		—		—		—
Total commercial	$	276,659	$	160,982	$	86,632	$	49,105	$	21,677	$	60,437	$	62,128	$	717,620


	Term Loans By Origination Fiscal Year
June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	864	$	—	$	53	$	—	$	—	$	1,783	$	78,775	$	81,475
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		372		—		372
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total construction and land development	864		—		53		—		—		2,155		78,775		81,847
One-to-four family
Risk rating
Pass	55,415		74,035		47,364		29,075		23,250		113,307		4,077		346,523
Special mention	—		—		—		—		—		835		—		835
Substandard	128		—		1,002		540		430		4,590		—		6,690
Doubtful	—		—		—		—		—		155		—		155
Loss	—		—		—		—		—		—		—		—
Total one-to-four family	55,543		74,035		48,366		29,615		23,680		118,887		4,077		354,203
HELOCs
Risk rating
Pass	1,466		458		282		901		107		7,441		148,526		159,181
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		879		49		928
Doubtful	—		—		—		—		—		28		—		28
Loss	—		—		—		—		—		—		—		—
Total HELOCs	1,466		458		282		901		107		8,348		148,575		160,137
Total residential real estate
Risk rating
Pass	$	57,745	$	74,493	$	47,699	$	29,976	$	23,357	$	122,531	$	231,378	$	587,179
Special mention	—		—		—		—		—		835		—		835
Substandard	128		—		1,002		540		430		5,841		49		7,990
Doubtful	—		—		—		—		—		183		—		183
Loss	—		—		—		—		—		—		—		—
Total residential real estate	$	57,873	$	74,493	$	48,701	$	30,516	$	23,787	$	129,390	$	231,427	$	596,187


	Term Loans By Origination Fiscal Year
June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Total consumer
Risk rating
Pass	$	25,935	$	20,443	$	15,849	$	11,329	$	8,235	$	2,398	$	277	$	84,466
Special mention	—		—		—		—		—		—		—		—
Substandard	72		169		274		85		182		100		33		915
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		2		—		—		—		2
Total consumer	$	26,007	$	20,612	$	16,123	$	11,416	$	8,417	$	2,498	$	310	$	85,383

The following tables present aging analyses of past due loans (including nonaccrual loans) by segment and class for the periods indicated below:



	Past Due								Total
	30-89 Days		90 Days+		Total		Current		Loans
December 31, 2022
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	328,253	$	328,253
Commercial real estate - owner occupied	503		—		503		340,321		340,824
Commercial real estate - non-owner occupied	—		—		—		690,241		690,241
Multifamily	—		—		—		69,156		69,156
Total commercial real estate	503		—		503		1,427,971		1,428,474
Commercial
Commercial and industrial	87		549		636		193,829		194,465
Equipment finance	392		497		889		425,618		426,507
Municipal leases	83		—		83		135,839		135,922
PPP loans	—		—		—		214		214
Total commercial	562		1,046		1,608		755,500		757,108
Residential real estate
Construction and land development	—		133		133		99,869		100,002
One-to-four family	533		1,554		2,087		398,508		400,595
HELOCs	1,226		979		2,205		192,091		194,296
Total residential real estate	1,759		2,666		4,425		690,468		694,893
Consumer	456		173		629		104,519		105,148
Total loans	$	3,280	$	3,885	$	7,165	$	2,978,458	$	2,985,623


	Past Due								Total
	30-89 Days		90 Days+		Total		Current		Loans
June 30, 2022
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	291,202	$	291,202
Commercial real estate - owner occupied	—		52		52		335,606		335,658
Commercial real estate - non-owner occupied	—		—		—		662,159		662,159
Multifamily	—		—		—		81,086		81,086
Total commercial real estate	—		52		52		1,370,053		1,370,105
Commercial
Commercial and industrial	255		—		255		192,397		192,652
Equipment finance	186		56		242		394,299		394,541
Municipal leases	—		—		—		129,766		129,766
PPP loans	—		—		—		661		661
Total commercial	441		56		497		717,123		717,620
Residential real estate
Construction and land development	115		22		137		81,710		81,847
One-to-four family	910		1,394		2,304		351,899		354,203
HELOCs	283		122		405		159,732		160,137
Total residential real estate	1,308		1,538		2,846		593,341		596,187
Consumer	330		177		507		84,876		85,383
Total loans	$	2,079	$	1,823	$	3,902	$	2,765,393	$	2,769,295

The following table presents recorded investment in loans on nonaccrual status, by segment and class, including restructured loans. It also includes interest income recognized on nonaccrual loans for the six months ended December 31, 2022.


	December 31, 2022		June 30, 2022		90 Days+ & Still Accruing as of December 31, 2022		Nonaccrual With No Allowance as of December 31, 2022		Interest Income Recognized
Commercial real estate
Construction and land development	$	50	$	67	$	—	$	—	$	1
Commercial real estate - owner occupied	621		706		—		—		12
Commercial real estate - non-owner occupied	2		5		—		—		—
Multifamily	94		103		—		—		4
Total commercial real estate	767		881		—		—		17
Commercial
Commercial and industrial	970		1,951		—		151		58
Equipment finance	840		270		—		—		64
Municipal leases	—		—		—		—		5

Total commercial	1,810		2,221		—		151		127
Residential real estate
Construction and land development	133		137		—		—		2
One-to-four family	2,021		1,773		—		—		33
HELOCs	1,130		724		—		—		42
Total residential real estate	3,284		2,634		—		—		77
Consumer	313		384		—		—		8
Total loans	$	6,174	$	6,120	$	—	$	151	$	229

TDRs are loans which have renegotiated loan terms to assist borrowers who are unable to meet the original terms of their loans. Such modifications to loan terms may include a lower interest rate, a reduction in principal, and/or a longer term to maturity. The above table excludes $9,327 and $9,818 of TDRs that were performing under their restructured payment terms as of December 31, 2022 and June 30, 2022, respectively.

The following tables present analyses of the ACL on loans by segment for the periods indicated below. In addition to the provision (benefit) for credit losses on loans presented below, provisions (benefits) of $(85) and $358 for off-balance sheet credit exposures and $(100) and $(250) for commercial paper were recorded for the three and six months ended December 31, 2022, respectively. Provisions (benefits) of $(110) and $(235) for off-balance sheet credit exposures and $50 and $50 for commercial paper were recorded for the three and six months ended December 31, 2021.


	Three Months Ended December 31, 2022
	Commercial Real Estate		Commercial		Residential Real Estate		Consumer		Total
Balance at beginning of period	$	14,680	$	12,978	$	8,383	$	2,260	$	38,301

Provision (benefit) for credit losses	378		1,232		693		122		2,425
Charge-offs	—		(1,859)		(51)		(69)		(1,979)
Recoveries	1		31		23		57		112
Net (charge-offs) recoveries	1		(1,828)		(28)		(12)		(1,867)
Balance at end of period	$	15,059	$	12,382	$	9,048	$	2,370	$	38,859


	Six Months Ended December 31, 2022
	Commercial Real Estate		Commercial		Residential Real Estate		Consumer		Total
Balance at beginning of period	$	13,414	$	12,036	$	7,611	$	1,629	$	34,690

Provision (benefit) for credit losses	1,642		2,296		1,367		814		6,119
Charge-offs	—		(2,133)		(123)		(170)		(2,426)
Recoveries	3		183		193		97		476
Net (charge-offs) recoveries	3		(1,950)		70		(73)		(1,950)
Balance at end of period	$	15,059	$	12,382	$	9,048	$	2,370	$	38,859


	Three Months Ended December 31, 2021
	Commercial Real Estate		Commercial		Residential Real Estate		Consumer		Total
Balance at beginning of period	$	13,994	$	10,211	$	7,601	$	2,600	$	34,406
Provision (benefit) for credit losses	(1,253)		1,113		(1,737)		(563)		(2,440)
Charge-offs	(1)		(1,130)		—		(16)		(1,147)
Recoveries	10		25		53		26		114
Net (charge-offs) recoveries	9		(1,105)		53		10		(1,033)
Balance at end of period	$	12,750	$	10,219	$	5,917	$	2,047	$	30,933


	Six Months Ended December 31, 2021
	Commercial Real Estate		Commercial		Residential Real Estate		Consumer		Total
Balance at beginning of period	$	15,084	$	9,663	$	8,185	$	2,536	$	35,468
Provision (benefit) for credit losses	(2,589)		1,826		(2,526)		(486)		(3,775)
Charge-offs	(439)		(1,311)		(27)		(79)		(1,856)
Recoveries	694		41		285		76		1,096
Net (charge-offs) recoveries	255		(1,270)		258		(3)		(760)
Balance at end of period	$	12,750	$	10,219	$	5,917	$	2,047	$	30,933

The following tables present ending balances of loans and the related ACL, by segment and class for the periods indicated below:


	Allowance for Credit Losses						Total Loans Receivable
	Loans Individually Evaluated		Loans Collectively Evaluated		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
December 31, 2022
Commercial real estate
Construction and land development	$	—	$	5,893	$	5,893	$	—	$	328,253	$	328,253
Commercial real estate - owner occupied	—		3,042		3,042		—		340,824		340,824
Commercial real estate - non-owner occupied	—		5,803		5,803		—		690,241		690,241
Multifamily	—		321		321		—		69,156		69,156
Total commercial real estate	—		15,059		15,059		—		1,428,474		1,428,474
Commercial
Commercial and industrial	646		3,755		4,401		1,505		192,960		194,465
Equipment finance	—		7,693		7,693		—		426,507		426,507
Municipal leases	—		288		288		—		135,922		135,922
PPP loans	—		—		—		—		214		214
Total commercial	646		11,736		12,382		1,505		755,603		757,108
Residential real estate
Construction and land development	—		1,576		1,576		—		100,002		100,002
One-to-four family	—		4,983		4,983		1,932		398,663		400,595
HELOCs	—		2,489		2,489		—		194,296		194,296
Total residential real estate	—		9,048		9,048		1,932		692,961		694,893
Consumer	—		2,370		2,370		—		105,148		105,148
Total	$	646	$	38,213	$	38,859	$	3,437	$	2,982,186	$	2,985,623


	Allowance for Credit Losses						Total Loans Receivable
	Loans Individually Evaluated		Loans Collectively Evaluated		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
June 30, 2022
Commercial real estate
Construction and land development	$	—	$	4,402	$	4,402	$	—	$	291,202	$	291,202
Commercial real estate - owner occupied	—		3,038		3,038		—		335,658		335,658
Commercial real estate - non-owner occupied	—		5,589		5,589		—		662,159		662,159
Multifamily	—		385		385		—		81,086		81,086
Total commercial real estate	—		13,414		13,414		—		1,370,105		1,370,105
Commercial
Commercial and industrial	2,191		2,892		5,083		2,854		189,798		192,652
Equipment finance	—		6,651		6,651		—		394,541		394,541
Municipal leases	—		302		302		—		129,766		129,766
PPP loans	—		—		—		—		661		661
Total commercial	2,191		9,845		12,036		2,854		714,766		717,620
Residential real estate
Construction and land development	—		1,052		1,052		—		81,847		81,847
One-to-four family	—		4,673		4,673		2,486		351,717		354,203
HELOCs	—		1,886		1,886		—		160,137		160,137
Total residential real estate	—		7,611		7,611		2,486		593,701		596,187
Consumer	—		1,629		1,629		—		85,383		85,383
Total	$	2,191	$	32,499	$	34,690	$	5,340	$	2,763,955	$	2,769,295

In estimating expected credit losses, ASC 326 prescribes that if foreclosure is probable, a CDA is required to be measured at the fair value of collateral, but as a practical expedient, if foreclosure is not probable, fair value measurement is optional. For those CDA loans measured at the fair value of collateral, a credit loss expense is recorded for loan amounts in excess of fair value. The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, and securing collateral, as well as collateral coverage for those loans for the periods indicated below:


	Type of Collateral and Extent to Which Collateral Secures Financial Assets								Financial Assets Not Considered Collateral Dependent
December 31, 2022	Residential Property		Investment Property		Commercial Property		Business Assets					Total
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	—		$	328,253	$	328,253
Commercial real estate - owner occupied	—		—		—		—			340,824		340,824
Commercial real estate - non-owner occupied	—		—		—		—			690,241		690,241
Multifamily	—		—		—		—			69,156		69,156
Total commercial real estate	—		—		—		—			1,428,474		1,428,474
Commercial
Commercial and industrial	—		—		—		816			193,649		194,465
Equipment finance	—		—		—		—			426,507		426,507
Municipal leases	—		—		—		—			135,922		135,922
PPP loans	—		—		—		—			214		214
Total commercial	—		—		—		816			756,292		757,108
Residential real estate
Construction and land development	—		—		—		—			100,002		100,002
One-to-four family	765		—		—		—			399,830		400,595
HELOCs	—		—		—		—			194,296		194,296
Total residential real estate	765		—		—		—			694,128		694,893
Consumer	—		—		—		—			105,148		105,148
Total	$	765	$	—	$	—	$	816		$	2,984,042	$	2,985,623
Total collateral value	$	1,293	$	—	$	—	$	—


	Type of Collateral and Extent to Which Collateral Secures Financial Assets								Financial Assets Not Considered Collateral Dependent
June 30, 2022	Residential Property		Investment Property		Commercial Property		Business Assets					Total
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	—		$	291,202	$	291,202
Commercial real estate - owner occupied	—		—		—		—			335,658		335,658
Commercial real estate - non-owner occupied	—		—		—		—			662,159		662,159
Multifamily	—		—		—		—			81,086		81,086
Total commercial real estate	—		—		—		—			1,370,105		1,370,105
Commercial
Commercial and industrial	—		—		—		2,594			190,058		192,652
Equipment finance	—		—		—		—			394,541		394,541
Municipal leases	—		—		—		—			129,766		129,766
PPP loans	—		—		—		—			661		661
Total commercial	—		—		—		2,594			715,026		717,620
Residential real estate
Construction and land development	—		—		—		—			81,847		81,847
One-to-four family	1,318		—		—		—			352,885		354,203
HELOCs	—		—		—		—			160,137		160,137
Total residential real estate	1,318		—		—		—			594,869		596,187
Consumer	—		—		—		—			85,383		85,383
Total	$	1,318	$	—	$	—	$	2,594		$	2,765,383	$	2,769,295
Total collateral value	$	2,443	$	—	$	—	$	69

The following tables present a breakdown of the types of concessions made on TDRs by loan class for the periods indicated below:


	Three Months Ended December 31,
	2022					2021
	Number of Loans	Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment		Number of Loans	Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment


































Other TDRs









Residential real estate

One-to-four family	—	$	—	$	—	3	$	215	$	212
HELOCs	—	—		—		1	51		51
Consumer	1	11		10		—	—		—
Total other TDRs	1	11		10		4	266		263
Total	1	$	11	$	10	4	$	266	$	263


	Six Months Ended December 31,
	2022					2021
	Number of Loans	Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment		Number of Loans	Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment
Below market interest rate





Commercial loans
Commercial and industrial	5	$	569	$	569	—	$	—	$	—







Total below market interest rate	5	$	569	$	569	—	$	—	$	—


















Other TDRs









Residential real estate loans

One-to-four family	—	$	—	$	—	3	$	215	$	212
HELOCs	—	—		—		2	68		70
Consumer	4	49		41		5	84		80
Total other TDRs	4	49		41		10	367		362
Total	9	$	618	$	610	10	$	367	$	362

The following tables present loans that were modified as TDRs within the previous 12 months and for which there was a payment default during the periods indicated below:


	Three Months Ended December 31,
	2022			2021
	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
Below market interest rate
Commercial loans


Commercial and industrial	1	$	140	—	$	—






















Total	1	$	140	—	$	—


	Six Months Ended December 31,
	2022			2021
	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
Below market interest rate
Commercial loans
Commercial and industrial	1	$	140	—	$	—



Total below market interest rate	1	$	140	—	$	—

Extended payment terms


Residential real estate loans
One-to-four family	1	$	34	—	$	—

Total extended payment terms	1	$	34	—	$	—

Other TDRs













Consumer	1	$	2	2	$	44
Total other TDRs	1	$	2	2	$	44
Total	3	$	176	2	$	44

Other TDRs include TDRs that have a below market interest rate and extended payment terms. The Company does not typically forgive principal when restructuring troubled debt.

In determining the ACL, management considers TDRs for all loan classes, and the subsequent nonperformance in accordance with their modified terms, by measuring a reserve on a loan-by-loan basis based on either the value of the loan's expected future cash flows discounted at the loan's original effective interest rate or on the collateral value, net of the estimated costs of disposal, if the loan is collateral dependent.

Off-Balance-Sheet Credit Exposure

The Company maintains a separate reserve for credit losses on off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the consolidated balance sheet. The reserve for credit losses on off-balance-sheet credit exposures is adjusted as a provision for credit losses in the consolidated statement of income. The estimate includes consideration of the likelihood that funding will occur and an estimate of ECLs on commitments expected to be funded over its estimated life, utilizing the same models and approaches for the Company's other loan portfolio segments described above, as these unfunded commitments share similar risk characteristics as its loan portfolio segments. The Company has identified the unfunded portion of certain lines of credit as unconditionally cancellable credit exposures, meaning the Company can cancel the unfunded commitment at any time. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company or for undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. At December 31, 2022 and June 30, 2022, the ACL on off-balance-sheet credit exposures included in other liabilities was $3,662 and $3,304, respectively.

Leases

6 Months Ended

Dec. 31, 2022

Leases [Abstract]

Leases

As Lessee - Operating Leases

The Company's operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at management's sole discretion. When it is reasonably certain that the Company will exercise its option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of the Company's lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on the Company's Consolidated Balance Sheet. The Company recognizes lease expenses for these leases over the lease term.

The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities.



Supplemental Balance Sheet Information	December 31, 2022			June 30, 2022
ROU assets	$	7,189		$	5,846

Lease liabilities	8,235			6,641

Weighted-average remaining lease terms (years)	10.7			10.8
Weighted-average discount rate	3.21		%	2.90		%

The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	846
2024	1,247
2025	946
2026	821
2027	838
Thereafter	5,267
Total undiscounted minimum lease payments	9,965
Less: amount representing interest	(1,730)
Total lease liability	$	8,235

The following table presents components of operating lease expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease cost (included in occupancy expense, net)	$	345	$	400	$	692	$	867
Variable lease cost (included in occupancy expense, net)	3		—		5		6
Sublease income (included in other, noninterest income)	(28)		(47)		(85)		(94)
Total operating lease expense, net	$	320	$	353	$	612	$	779

As Lessee - Finance Lease

The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at December 31, 2022 and June 30, 2022 and is included in other assets. The corresponding lease liability totaled $1,741 and $1,763 at December 31, 2022 and June 30, 2022, respectively, and is included in other liabilities. For the three months ended December 31, 2022 and 2021, interest expense on the lease liability totaled $23 and $24, while for the six months ended December 31, 2022 and 2021, interest expense on the lease liability totaled $46 and $48, respectively. The finance lease matures in July 2028 and the Company has applied a discount rate of 5.18%.

The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	66
2024	145
2025	146
2026	146
2027	146
Thereafter	1,557
Total undiscounted minimum lease payments	2,206
Less: amount representing interest	(465)
Total lease liability	$	1,741

Supplemental lease cash flow information for the periods indicated:


	Six Months Ended December 31,
	2022		2021
ROU assets - noncash additions (operating leases)	$	2,108	$	946

Cash paid for amounts included in the measurement of lease liabilities (operating leases)	720		797
Cash paid for amounts included in the measurement of lease liabilities (finance leases)	67		67

As Lessor - General

The Company leases equipment to commercial end users under operating and finance lease arrangements. The Company's equipment finance leases consist mainly of construction, transportation, healthcare, and manufacturing equipment. Many of its operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. The Company's leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease.

As Lessor - Operating Leases

Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from one to five years. Assets related to operating leases are included in other assets and the corresponding depreciation expense is recorded on a straight-line basis as a component of other noninterest expense. The net book value of leased assets totaled $20,047 and $20,075 with a residual value of $13,046 and $12,874 as of December 31, 2022 and June 30, 2022, respectively.

The following table presents total equipment finance operating lease income and depreciation expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease income	$	1,156	$	1,718	$	2,741	$	3,258
Depreciation expense	1,178		1,497		2,343		2,882

The following schedule summarizes, as of December 31, 2022, aggregate future minimum lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	3,498
2024	5,088
2025	1,869
2026	697
2027	113
Thereafter	—
Total of future minimum lease payments	$	11,265

As Lessor - Direct Financing Leases

Finance lease income is recognized as a component of loan interest income over the lease term. The finance leases are included as a component of the equipment finance class of financing receivables under the commercial loan segment of the loan portfolio. For the three months ended December 31, 2022 and 2021, interest income on equipment finance leases totaled $818 and $753, respectively. For the six months ended December 31, 2022 and 2021, interest income on equipment finance leases totaled $1,575 and $1,512, respectively.

The lease receivable component of finance lease net investment included within the equipment finance class of financing receivables was $63.9 million and $62.2 million at December 31, 2022 and June 30, 2022, respectively.

The following schedule summarizes, as of December 31, 2022, aggregate future minimum finance lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	12,478
2024	20,448
2025	15,905
2026	11,646
2027	6,650
Thereafter	5,658
Total undiscounted minimum lease payments	72,785
Less: amount representing interest	(8,874)
Total lease receivable	$	63,911

Leases

As Lessee - Operating Leases

The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities.



Supplemental Balance Sheet Information	December 31, 2022			June 30, 2022
ROU assets	$	7,189		$	5,846

Lease liabilities	8,235			6,641

Weighted-average remaining lease terms (years)	10.7			10.8
Weighted-average discount rate	3.21		%	2.90		%

The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	846
2024	1,247
2025	946
2026	821
2027	838
Thereafter	5,267
Total undiscounted minimum lease payments	9,965
Less: amount representing interest	(1,730)
Total lease liability	$	8,235

The following table presents components of operating lease expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease cost (included in occupancy expense, net)	$	345	$	400	$	692	$	867
Variable lease cost (included in occupancy expense, net)	3		—		5		6
Sublease income (included in other, noninterest income)	(28)		(47)		(85)		(94)
Total operating lease expense, net	$	320	$	353	$	612	$	779

As Lessee - Finance Lease

The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	66
2024	145
2025	146
2026	146
2027	146
Thereafter	1,557
Total undiscounted minimum lease payments	2,206
Less: amount representing interest	(465)
Total lease liability	$	1,741

Supplemental lease cash flow information for the periods indicated:


	Six Months Ended December 31,
	2022		2021
ROU assets - noncash additions (operating leases)	$	2,108	$	946

Cash paid for amounts included in the measurement of lease liabilities (operating leases)	720		797
Cash paid for amounts included in the measurement of lease liabilities (finance leases)	67		67

As Lessor - General

As Lessor - Operating Leases

The following table presents total equipment finance operating lease income and depreciation expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease income	$	1,156	$	1,718	$	2,741	$	3,258
Depreciation expense	1,178		1,497		2,343		2,882

The following schedule summarizes, as of December 31, 2022, aggregate future minimum lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	3,498
2024	5,088
2025	1,869
2026	697
2027	113
Thereafter	—
Total of future minimum lease payments	$	11,265

As Lessor - Direct Financing Leases

The following schedule summarizes, as of December 31, 2022, aggregate future minimum finance lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	12,478
2024	20,448
2025	15,905
2026	11,646
2027	6,650
Thereafter	5,658
Total undiscounted minimum lease payments	72,785
Less: amount representing interest	(8,874)
Total lease receivable	$	63,911

Leases

As Lessee - Operating Leases

The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities.



Supplemental Balance Sheet Information	December 31, 2022			June 30, 2022
ROU assets	$	7,189		$	5,846

Lease liabilities	8,235			6,641

Weighted-average remaining lease terms (years)	10.7			10.8
Weighted-average discount rate	3.21		%	2.90		%

The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	846
2024	1,247
2025	946
2026	821
2027	838
Thereafter	5,267
Total undiscounted minimum lease payments	9,965
Less: amount representing interest	(1,730)
Total lease liability	$	8,235

The following table presents components of operating lease expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease cost (included in occupancy expense, net)	$	345	$	400	$	692	$	867
Variable lease cost (included in occupancy expense, net)	3		—		5		6
Sublease income (included in other, noninterest income)	(28)		(47)		(85)		(94)
Total operating lease expense, net	$	320	$	353	$	612	$	779

As Lessee - Finance Lease

The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	66
2024	145
2025	146
2026	146
2027	146
Thereafter	1,557
Total undiscounted minimum lease payments	2,206
Less: amount representing interest	(465)
Total lease liability	$	1,741

Supplemental lease cash flow information for the periods indicated:


	Six Months Ended December 31,
	2022		2021
ROU assets - noncash additions (operating leases)	$	2,108	$	946

Cash paid for amounts included in the measurement of lease liabilities (operating leases)	720		797
Cash paid for amounts included in the measurement of lease liabilities (finance leases)	67		67

As Lessor - General

As Lessor - Operating Leases

The following table presents total equipment finance operating lease income and depreciation expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease income	$	1,156	$	1,718	$	2,741	$	3,258
Depreciation expense	1,178		1,497		2,343		2,882

The following schedule summarizes, as of December 31, 2022, aggregate future minimum lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	3,498
2024	5,088
2025	1,869
2026	697
2027	113
Thereafter	—
Total of future minimum lease payments	$	11,265

As Lessor - Direct Financing Leases

The following schedule summarizes, as of December 31, 2022, aggregate future minimum finance lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	12,478
2024	20,448
2025	15,905
2026	11,646
2027	6,650
Thereafter	5,658
Total undiscounted minimum lease payments	72,785
Less: amount representing interest	(8,874)
Total lease receivable	$	63,911

Leases

As Lessee - Operating Leases

The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities.



Supplemental Balance Sheet Information	December 31, 2022			June 30, 2022
ROU assets	$	7,189		$	5,846

Lease liabilities	8,235			6,641

Weighted-average remaining lease terms (years)	10.7			10.8
Weighted-average discount rate	3.21		%	2.90		%

The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	846
2024	1,247
2025	946
2026	821
2027	838
Thereafter	5,267
Total undiscounted minimum lease payments	9,965
Less: amount representing interest	(1,730)
Total lease liability	$	8,235

The following table presents components of operating lease expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease cost (included in occupancy expense, net)	$	345	$	400	$	692	$	867
Variable lease cost (included in occupancy expense, net)	3		—		5		6
Sublease income (included in other, noninterest income)	(28)		(47)		(85)		(94)
Total operating lease expense, net	$	320	$	353	$	612	$	779

As Lessee - Finance Lease

The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	66
2024	145
2025	146
2026	146
2027	146
Thereafter	1,557
Total undiscounted minimum lease payments	2,206
Less: amount representing interest	(465)
Total lease liability	$	1,741

Supplemental lease cash flow information for the periods indicated:


	Six Months Ended December 31,
	2022		2021
ROU assets - noncash additions (operating leases)	$	2,108	$	946

Cash paid for amounts included in the measurement of lease liabilities (operating leases)	720		797
Cash paid for amounts included in the measurement of lease liabilities (finance leases)	67		67

As Lessor - General

As Lessor - Operating Leases

The following table presents total equipment finance operating lease income and depreciation expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease income	$	1,156	$	1,718	$	2,741	$	3,258
Depreciation expense	1,178		1,497		2,343		2,882

The following schedule summarizes, as of December 31, 2022, aggregate future minimum lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	3,498
2024	5,088
2025	1,869
2026	697
2027	113
Thereafter	—
Total of future minimum lease payments	$	11,265

As Lessor - Direct Financing Leases

The following schedule summarizes, as of December 31, 2022, aggregate future minimum finance lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	12,478
2024	20,448
2025	15,905
2026	11,646
2027	6,650
Thereafter	5,658
Total undiscounted minimum lease payments	72,785
Less: amount representing interest	(8,874)
Total lease receivable	$	63,911

Equity Incentive Plan

6 Months Ended

Dec. 31, 2022

Share-Based Payment Arrangement [Abstract]

Equity Incentive Plan

The Company historically provided stock-based awards through the 2013 Omnibus Incentive Plan, which provided for awards of restricted stock, restricted stock units, stock options, stock appreciation rights and cash awards to directors, directors emeritus, officers, employees and advisory directors. On November 14, 2022, at the Company's annual meeting, stockholders approved the 2022 Omnibus Incentive Plan which provides for the same types of awards as described under the 2013 Omnibus Incentive Plan. Going forward, any future grants will be made under this plan.

The cost of equity-based awards under the 2022 Omnibus Incentive Plan generally is based on the fair value of the awards on their grant date. The maximum number of shares that may be utilized for awards under the plan is 1,000,000. Shares of common stock issued under the plan will be issued out of authorized but unissued shares, some or all of which may be repurchased shares.

The table below presents share-based compensation expense and the estimated related tax benefit for stock options and restricted stock for the dates indicated below:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Share-based compensation expense	$	464	$	485	$	1,031	$	900
Tax benefit	110		114		244		212

The table below presents stock option activity and related information for the six months ended December 31, 2022 and 2021:


	Options	Weighted- Average Exercise Price		Remaining Contractual Life (Years)	Aggregate Intrinsic Value
Options outstanding at June 30, 2021	1,319,456	$	19.07	3.9	$	11,657


Exercised	(347,800)	14.50		—	—
Forfeited	(18,600)	23.06		—	—

Options outstanding at December 31, 2021	953,056	$	20.65	4.1	$	9,840
Exercisable at December 31, 2021	727,506	$	19.12	3.2	$	8,631
Non-vested at December 31, 2021	225,550	$	25.62	6.9	$	1,210

Options outstanding at June 30, 2022	928,870	$	21.49	4.1	$	4,036
Granted	5,000	24.07		—	—

Exercised	(74,047)	14.37		—	—
Forfeited	(10,200)	26.98		—	—

Options outstanding at December 31, 2022	849,623	$	22.06	3.9	$	2,958
Exercisable at December 31, 2022	682,673	$	20.88	3.1	$	2,918
Non-vested at December 31, 2022	166,950	$	26.88	7.1	$	40

Assumptions used in estimating the fair value of options granted during the six months ended December 31, 2022 have been detailed below. There were no options granted during the six months ended December 31, 2021.


	December 31, 2022
Weighted-average volatility	27.78		%
Expected dividend yield	1.62		%
Risk-free interest rate	3.11		%
Expected life (years)	6.5
Weighted-average fair value of options granted	$	6.77

At December 31, 2022, the Company had $613 of unrecognized compensation expense related to 166,950 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards expected to be recognized was 1.1 years at December 31, 2022. At December 31, 2021, the Company had $894 of unrecognized compensation expense related to 225,550 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards expected to be recognized was 1.1 years at December 31, 2021.

The table below presents restricted stock award activity and related information:


	Restricted Stock Awards	Weighted- Average Grant Date Fair Value		Aggregate Intrinsic Value
Non-vested at June 30, 2021	151,575	$	25.06	$	4,229

Vested	(8,918)	26.93		—
Forfeited	(9,400)	24.57		—
Non-vested at December 31, 2021	133,257	$	25.06	$	4,128

Non-vested at June 30, 2022	135,910	$	27.40	$	2,345
Granted	7,986	25.32		—
Vested	(13,861)	27.11		—
Forfeited	(6,200)	27.64		—
Non-vested at December 31, 2022	123,835	$	27.28	$	2,033

The table above includes non-vested performance-based restricted stock units totaling 22,843 and 23,662 at December 31, 2022 and 2021, respectively. Each issuance of these stock units is scheduled to vest over 3.0 years assuming the applicable dilutive EPS goals are met.

At December 31, 2022, unrecognized compensation expense was $2,037 related to 123,835 shares of restricted stock originally scheduled to vest over three- and five-year periods. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.3 years at December 31, 2022. At December 31, 2021, unrecognized compensation expense was $2,043 related to 133,257 shares of restricted stock originally scheduled to vest over three- and five-year periods. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.3 years at December 31, 2021.

Net Income per Share

6 Months Ended

Dec. 31, 2022

Earnings Per Share [Abstract]

Net Income per Share

The following table sets forth the computation of basic and diluted net income per common share for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Numerator
Net income	$	13,658	$	11,078	$	22,857	$	21,605
Allocation of earnings to participating securities	(112)		(94)		(187)		(182)
Numerator for basic EPS - Net income available to common stockholders	$	13,546	$	10,984	$	22,670	$	21,423
Effect of dilutive securities
Dilutive effect of participating securities	—		2		—		4
Numerator for diluted EPS	$	13,546	$	10,986	$	22,670	$	21,427
Denominator
Weighted-average common shares outstanding - basic	15,028,179		15,632,283		15,008,092		15,696,765
Dilutive effect of assumed exercises of stock options	132,974		357,323		137,609		360,842
Weighted-average common shares outstanding - diluted	15,161,153		15,989,606		15,145,701		16,057,607
Net income per share - basic	$	0.90	$	0.70	$	1.51	$	1.36
Net income per share - diluted	$	0.90	$	0.68	$	1.50	$	1.33

Potential dilutive shares are excluded from the computation of earnings per share if their effect is anti-dilutive. There were 540,600 of stock options that were anti-dilutive for the three and six months ended December 31, 2022. There were 41,000 and 56,000 of stock options that were anti-dilutive for the three and six months ended December 31, 2021, respectively.

Commitments and Contingencies	6 Months Ended
Commitments and Contingencies	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Loan Commitments – Legally binding commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. In the normal course of business, there are various outstanding commitments to extend credit that are not reflected in the consolidated financial statements. At December 31, 2022 and June 30, 2022, respectively, loan commitments (excluding $272,250 and $312,893 of undisbursed portions of construction loans) totaled $90,214 and $104,745 of which $11,604 and $23,159 were variable rate commitments and $78,610 and $81,586 were fixed rate commitments. The fixed rate loan commitments had interest rates ranging from 1.41% to 9.44% at December 31, 2022 and 1.41% to 9.00% at June 30, 2022, and terms ranging from three to 30 years. Pre-approved but unused lines of credit (principally second mortgage home equity loans and overdraft protection loans) totaled $540,370 and $485,239 at December 31, 2022 and June 30, 2022, respectively. These amounts represent the Company's exposure to credit risk, and in the opinion of management have no more than the normal lending risk that the Company commits to its borrowers. The Company has two types of commitments related to certain one-to-four family loans held for sale: rate lock commitments and forward loan commitments. Rate lock commitments are commitments to extend credit to a customer that has an interest rate lock and are considered derivative instruments. The rate lock commitments do not qualify for hedge accounting. In order to mitigate the risk from interest rate fluctuations, the Company enters into forward loan sale commitments such as TBAs, mandatory delivery commitments with investors, or best efforts forward sale commitments with investors. The fair value of these interest rate lock commitments was not material at December 31, 2022 or June 30, 2022. The Company grants construction and permanent loans collateralized primarily by residential and commercial real estate to customers throughout its primary market areas. In addition, the Company grants equipment financing throughout the United States and municipal financing to customers throughout North and South Carolina. The Company’s loan portfolio can be affected by the general economic conditions within these market areas. Management believes that the Company has no significant concentration of credit in the loan portfolio. Restrictions on Cash – In response to COVID-19, the FRB reduced the reserve requirements to zero on March 15, 2020. Prior to this change the Bank was required by regulation to maintain a varying cash reserve balance with the FRB. Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower's failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of December 31, 2022 and June 30, 2022 were $19,997 and $18,362, respectively. There was no liability recorded for these letters of credit at December 31, 2022 or June 30, 2022. Litigation – From time to time, the Company is involved in litigation matters in the ordinary course of business. These proceedings and the associated legal claims are often contested, and the outcome of individual matters is not always predictable. These claims and counter claims typically arise during the course of collection efforts on problem loans or with respect to actions to enforce liens on properties in which the Company holds a security interest. The Company is not a party to any pending legal proceedings that management believes would have a material adverse effect on the Company’s financial condition or results of operations.

Fair Value of Financial Instruments

6 Months Ended

Dec. 31, 2022

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

Level 3: Significant unobservable inputs that reflect a company's own assumptions about the assumptions that market participants would use in pricing an asset or liability.

A financial instrument's level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value measurement. The following is a description of valuation methodologies used for assets recorded at fair value. The Company does not have any liabilities recorded at fair value.

The methods of determining the fair value of assets and liabilities presented in this note are consistent with the methodologies disclosed in Note 19 of the 2022 Form 10-K.

Financial Assets Recorded at Fair Value

The following table presents financial assets measured at fair value on a recurring basis at the dates indicated:


	December 31, 2022
	Total		Level 1		Level 2		Level 3
Debt securities available for sale
U.S government agencies	$	15,399	$	—	$	15,399	$	—
MBS, residential	84,447		—		84,447		—
Municipal bonds	4,409		—		4,409		—
Corporate bonds	43,687		—		43,687		—
Total debt securities available for sale	$	147,942	$	—	$	147,942	$	—

Loans held for sale	$	518	$	—	$	518	$	—


	June 30, 2022
	Total		Level 1		Level 2		Level 3
Debt securities available for sale
U.S government agencies	$	18,459	$	—	$	18,459	$	—
MBS, residential	47,233		—		47,233		—
Municipal bonds	5,558		—		5,558		—
Corporate bonds	55,728		—		55,728		—
Total debt securities available for sale	$	126,978	$	—	$	126,978	$	—

Loans held for sale carried at fair value are valued at the individual loan level using quoted secondary market prices.

There were no transfers between levels during the six months ended December 31, 2022 and 2021.

The following table presents financial assets measured at fair value on a non-recurring basis at the dates indicated:


	December 31, 2022
	Total		Level 1		Level 2		Level 3
Collateral dependent loans

Commercial loans
Commercial and industrial	$	169	$	—	$	—	$	169


	June 30, 2022
	Total		Level 1		Level 2		Level 3
Collateral dependent loans
Commercial loans
Commercial and industrial	$	415	$	—	$	—	$	415

A loan is considered to be collateral dependent when, based on current information and events, the Company expects repayment of the financial assets to be provided substantially through the operation or sale of the collateral and the Company has determined that the borrower is experiencing financial difficulty as of the measurement date. For real estate loans, the fair value of the loan's collateral is determined by a third party appraisal, which is then adjusted for the estimated selling and closing costs related to liquidation of the collateral (typically ranging from 8% to 12% of the appraised value). For this asset class, the actual valuation methods (income, sales comparable, or cost) vary based on the status of the project or property. Additional discounts of 5% to 15% may be applied depending on the age of the appraisals. The unobservable inputs may vary depending on the individual asset with no one of the three methods being the predominant approach. For non-real estate loans, the fair value of the loan's collateral may be determined using an appraisal, net book value per the borrower's financial statements, or aging reports, adjusted or discounted based on management's historical knowledge, changes in market conditions from the time of the valuation, and management's expertise and knowledge of the customer and customer's business.

The stated carrying value and estimated fair value amounts of financial instruments as of December 31, 2022 and June 30, 2022, are summarized below:


	December 31, 2022
	Carrying Value		Fair Value		Level 1		Level 2		Level 3
Assets
Cash and cash equivalents	$	165,034	$	165,034	$	165,034	$	—	$	—

Certificates of deposit in other banks	29,371		29,371		—		29,371		—
Debt securities available for sale, at fair value	147,942		147,942		—		147,942		—
FHLB and FRB stock	13,661		N/A		N/A		N/A		N/A
SBIC investments	12,414		12,414		—		—		12,414
Loans held for sale, at fair value	518		518		—		518		—
Loans held for sale, at the lower of cost or fair value	72,777		74,917		—		—		74,917
Loans, net	2,946,764		2,867,148		—		—		2,867,148
Accrued interest receivable	11,076		11,076		—		642		10,434
Liabilities
Noninterest-bearing and NOW deposits	1,365,312		1,365,312		—		1,365,312		—
Money market accounts	992,083		992,083		—		992,083		—
Savings accounts	230,896		230,896		—		230,896		—
Certificates of deposit	459,729		450,270		—		450,270		—
Borrowings	130,000		130,000		—		130,000		—
Accrued interest payable	358		358		—		358		—


	June 30, 2022
	Carrying Value		Fair Value		Level 1		Level 2		Level 3
Assets
Cash and cash equivalents	$	105,119	$	105,119	$	105,119	$	—	$	—
Commercial paper, net	194,427		194,427		194,427		—		—
Certificates of deposit in other banks	23,551		23,551		—		23,551		—
Debt securities available for sale	126,978		126,978		—		126,978		—
FHLB and FRB stock	9,326		N/A		N/A		N/A		N/A
SBIC investments	12,758		12,758		—		—		12,758
Loans held for sale	79,307		80,489		—		—		80,489
Loans, net	2,734,605		2,687,293		—		—		2,687,293
Accrued interest receivable	8,573		8,573		24		580		7,969
Liabilities
Noninterest-bearing and NOW deposits	1,400,727		1,400,727		—		1,400,727		—
Money market accounts	969,661		969,661		—		969,661		—
Savings accounts	238,197		238,197		—		238,197		—
Certificates of deposit	491,176		485,452		—		485,452		—

Accrued interest payable	80		80		—		80		—

The Company had off-balance sheet financial commitments, which included approximately $922,831 and $921,239 of commitments to originate loans, undisbursed portions of construction loans, unused lines of credit, and standby letters of credit at December 31, 2022 and June 30, 2022, respectively (see "Note 9 – Commitments and Contingencies"). Since these commitments are based on current rates, the carrying amount approximates the fair value.

Summary of Significant Accounting Policies (Policies)	6 Months Ended
Summary of Significant Accounting Policies (Policies)	Dec. 31, 2022
Accounting Policies [Abstract]
Basis of Accounting	The accompanying unaudited consolidated financial statements have been prepared in accordance with US GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended June 30, 2022 ("2022 Form 10-K") filed with the SEC on September 12, 2022. The results of operations for the six months ended December 31, 2022 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2023.
Use of Estimates	The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions, and other subjective assessments. In particular, management has identified the determination of the provision and the ACL on loans as an accounting policy that, due to the judgments, estimates and assumptions inherent in this policy, is critical to an understanding of the Company's financial statements. This policy and the related judgments, estimates and assumptions is described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in the 2022 Form 10-K. Management believes that the judgments, estimates, and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to this critical accounting policy, the use of other judgments, estimates, and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on this estimate and the Company's financial condition and operating results in future periods.
Reclassifications	Reclassifications To maintain consistency and comparability, certain amounts from prior periods have been reclassified to conform to current period presentation with no effect on net income or stockholders’ equity as previously reported.
Newly Issued but Not Yet Effective Accounting Standards	Newly Issued but Not Yet Effective Accounting Standards ASU 2022-02, "Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures." This ASU eliminates the TDR recognition and measurement guidance and requires that an entity evaluate whether the modification represents a new loan or a continuation of an existing loan. The amendment also adjusts the disclosures related to modifications and requires entities to disclose current-period gross write-offs by year of origination within the existing vintage disclosures. The amendments in this ASU are effective for fiscal years beginning after December 15, 2022, and interim periods within those fiscal years and early adoption is permitted. The Company is currently evaluating the impact of adopting the new guidance on the consolidated financial statements.
Loans Held for Sale	Loans Held for Sale Residential mortgages originated and intended for sale in the secondary market through mandatory delivery contracts are recorded at fair value (fair value option elected). The fair value includes the servicing value of the loans as well as any accrued interest, with changes in value recorded through the gain on sale of loans held for sale. Conversely, residential mortgages originated and intended for sale in the secondary market on a best efforts basis are sold with servicing released and carried at the lower of cost or fair value as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. The Company originates loans guaranteed by the SBA for the purchase of businesses, business startups, business expansion, equipment, and working capital. All SBA loans are underwritten and documented as prescribed by the SBA. SBA loans are generally fully amortizing and have maturity dates and amortizations of up to 25 years. SBA loans are classified as held for sale and are carried at the lower of cost or fair value. The guaranteed portion of the loan is sold and the servicing rights are retained. A gain is recorded for any premium received in excess of the carrying value of the net assets transferred in the sale and is included in the gain on sale of loans held for sale. The portion of SBA loans that are retained are adjusted to fair value and reclassified to total loans, net of deferred costs (loans held for investment). The net value of the retained loans is included in the appropriate loan classification for disclosure purposes. HELOCs held for sale are originated through a third party in various states outside the Company's geographic footprint, but are underwritten to the Company's underwriting guidelines. The loans are generally held for sale by the Company over a 90 to 180 day period and are serviced by the third party. The loans are marketed by the third party to investors in pools and once sold the Company recognizes a gain or loss on the sale which is recorded through the gain on sale of loans held for sale.
Derivative Instruments and Hedging	Derivative Instruments and Hedging The Company holds and issues derivative financial instruments such as IRLCs and other forward sale commitments. IRLCs are subject to pricing risk primarily related to fluctuations in market interest rates. To hedge the interest rate risk on certain IRLCs, the Company uses forward sale commitments such as TBAs or mandatory delivery commitments with investors. Management expects these forward sale commitments to experience changes in fair value opposite to the changes in fair value of the IRLCs, thereby reducing earnings volatility. Forward sale commitments are also used to hedge the interest rate risk on mortgage loans held for sale that are not committed to investors and still subject to price risk. If the mandatory delivery commitments are not fulfilled, the Company pays a pair-off fee. Best effort forward sale commitments are also executed with investors, whereby certain loans are locked with a borrower and simultaneously committed to an investor at a fixed price. If the best effort IRLC does not fund, there is no obligation to fulfill the investor commitment. The Company considers various factors and strategies in determining what portion of the IRLCs and uncommitted mortgage loans held for sale to economically hedge. All derivative instruments are recognized as other assets or other liabilities on the consolidated statements of financial condition at their fair value. Changes in the fair value of the derivative instruments and gains and losses resulting from the pairing- out of forward sale commitments are recognized in the gain on sale of loans held for sale on the consolidated statements of income in the period in which they occur. The Company accounts for all derivative instruments as free-standing derivative instruments and does not designate any for hedge accounting.

Debt Securities (Tables)

6 Months Ended

Dec. 31, 2022

Investments, Debt and Equity Securities [Abstract]

Schedule of Available-for-sale Securities Reconciliation

Debt securities available for sale consist of the following at the dates indicated:


	December 31, 2022
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value
U.S. government agencies	$	15,998	$	—	$	(599)	$	15,399
MBS, residential	87,007		9		(2,569)		84,447
Municipal bonds	4,522		1		(114)		4,409
Corporate bonds	45,263		—		(1,576)		43,687

Total	$	152,790	$	10	$	(4,858)	$	147,942


	June 30, 2022
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value
U.S. government agencies	$	18,993	$	5	$	(539)	$	18,459
MBS, residential	48,377		3		(1,147)		47,233
Municipal bonds	5,545		31		(18)		5,558
Corporate bonds	57,184		1		(1,457)		55,728

Total	$	130,099	$	40	$	(3,161)	$	126,978

Investments Classified by Contractual Maturity Date



	December 31, 2022
	Amortized Cost		Estimated Fair Value
Due within one year	$	42,262	$	41,448
Due after one year through five years	18,006		17,060
Due after five years through ten years	5,515		4,987
Due after ten years	—		—
MBS, residential	87,007		84,447
Total	$	152,790	$	147,942



	June 30, 2022
	Amortized Cost		Estimated Fair Value
Due within one year	$	35,350	$	34,956
Due after one year through five years	40,325		39,018
Due after five years through ten years	6,047		5,771
Due after ten years	—		—
MBS, residential	48,377		47,233
Total	$	130,099	$	126,978

Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value


	December 31, 2022
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. government agencies	$	991	$	(8)	$	14,408	$	(591)	$	15,399	$	(599)
MBS, residential	73,958		(1,796)		8,571		(773)		82,529		(2,569)
Municipal bonds	3,408		(114)		—		—		3,408		(114)
Corporate bonds	21,807		(547)		19,980		(1,029)		41,787		(1,576)
Total	$	100,164	$	(2,465)	$	42,959	$	(2,393)	$	143,123	$	(4,858)


	June 30, 2022
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. government agencies	$	14,461	$	(539)	$	—	$	—	$	14,461	$	(539)
MBS, residential	41,658		(994)		5,269		(153)		46,927		(1,147)
Municipal bonds	1,970		(18)		—		—		1,970		(18)
Corporate bonds	39,454		(730)		14,273		(727)		53,727		(1,457)
Total	$	97,543	$	(2,281)	$	19,542	$	(880)	$	117,085	$	(3,161)

Loans Held For Sale (Tables)

6 Months Ended

Dec. 31, 2022

Receivables [Abstract]

Schedule of Loans Held for Sale

Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:


	December 31, 2022		June 30, 2022
One-to-four family	$	26	$	4,176
SBA	37,375		14,774
HELOCs	35,376		60,357

Total loans held for sale, at the lower of cost or fair value	$	72,777	$	79,307

Loans consist of the following at the dates indicated(1):


	December 31, 2022		June 30, 2022
Commercial real estate loans
Construction and land development	$	328,253	$	291,202
Commercial real estate - owner occupied	340,824		335,658
Commercial real estate - non-owner occupied	690,241		662,159
Multifamily	69,156		81,086
Total commercial real estate loans	1,428,474		1,370,105
Commercial loans
Commercial and industrial	194,465		192,652
Equipment finance	426,507		394,541
Municipal leases	135,922		129,766
PPP loans	214		661
Total commercial loans	757,108		717,620
Residential real estate loans
Construction and land development	100,002		81,847
One-to-four family	400,595		354,203
HELOCs	194,296		160,137
Total residential real estate loans	694,893		596,187
Consumer loans	105,148		85,383
Total loans, net of deferred loan fees and costs	2,985,623		2,769,295
ACL on loans	(38,859)		(34,690)
Loans, net	$	2,946,764	$	2,734,605

(1) At December 31, 2022 and June 30, 2022 accrued interest receivable of $10,434 and $7,969 was accounted for separately from the amortized cost basis.

The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, and securing collateral, as well as collateral coverage for those loans for the periods indicated below:


	Type of Collateral and Extent to Which Collateral Secures Financial Assets								Financial Assets Not Considered Collateral Dependent
December 31, 2022	Residential Property		Investment Property		Commercial Property		Business Assets					Total
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	—		$	328,253	$	328,253
Commercial real estate - owner occupied	—		—		—		—			340,824		340,824
Commercial real estate - non-owner occupied	—		—		—		—			690,241		690,241
Multifamily	—		—		—		—			69,156		69,156
Total commercial real estate	—		—		—		—			1,428,474		1,428,474
Commercial
Commercial and industrial	—		—		—		816			193,649		194,465
Equipment finance	—		—		—		—			426,507		426,507
Municipal leases	—		—		—		—			135,922		135,922
PPP loans	—		—		—		—			214		214
Total commercial	—		—		—		816			756,292		757,108
Residential real estate
Construction and land development	—		—		—		—			100,002		100,002
One-to-four family	765		—		—		—			399,830		400,595
HELOCs	—		—		—		—			194,296		194,296
Total residential real estate	765		—		—		—			694,128		694,893
Consumer	—		—		—		—			105,148		105,148
Total	$	765	$	—	$	—	$	816		$	2,984,042	$	2,985,623
Total collateral value	$	1,293	$	—	$	—	$	—


	Type of Collateral and Extent to Which Collateral Secures Financial Assets								Financial Assets Not Considered Collateral Dependent
June 30, 2022	Residential Property		Investment Property		Commercial Property		Business Assets					Total
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	—		$	291,202	$	291,202
Commercial real estate - owner occupied	—		—		—		—			335,658		335,658
Commercial real estate - non-owner occupied	—		—		—		—			662,159		662,159
Multifamily	—		—		—		—			81,086		81,086
Total commercial real estate	—		—		—		—			1,370,105		1,370,105
Commercial
Commercial and industrial	—		—		—		2,594			190,058		192,652
Equipment finance	—		—		—		—			394,541		394,541
Municipal leases	—		—		—		—			129,766		129,766
PPP loans	—		—		—		—			661		661
Total commercial	—		—		—		2,594			715,026		717,620
Residential real estate
Construction and land development	—		—		—		—			81,847		81,847
One-to-four family	1,318		—		—		—			352,885		354,203
HELOCs	—		—		—		—			160,137		160,137
Total residential real estate	1,318		—		—		—			594,869		596,187
Consumer	—		—		—		—			85,383		85,383
Total	$	1,318	$	—	$	—	$	2,594		$	2,765,383	$	2,769,295
Total collateral value	$	2,443	$	—	$	—	$	69

Loans and Allowance for Credit Losses on Loans (Tables)

6 Months Ended

Dec. 31, 2022

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable

Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:


	December 31, 2022		June 30, 2022
One-to-four family	$	26	$	4,176
SBA	37,375		14,774
HELOCs	35,376		60,357

Total loans held for sale, at the lower of cost or fair value	$	72,777	$	79,307

Loans consist of the following at the dates indicated(1):


	December 31, 2022		June 30, 2022
Commercial real estate loans
Construction and land development	$	328,253	$	291,202
Commercial real estate - owner occupied	340,824		335,658
Commercial real estate - non-owner occupied	690,241		662,159
Multifamily	69,156		81,086
Total commercial real estate loans	1,428,474		1,370,105
Commercial loans
Commercial and industrial	194,465		192,652
Equipment finance	426,507		394,541
Municipal leases	135,922		129,766
PPP loans	214		661
Total commercial loans	757,108		717,620
Residential real estate loans
Construction and land development	100,002		81,847
One-to-four family	400,595		354,203
HELOCs	194,296		160,137
Total residential real estate loans	694,893		596,187
Consumer loans	105,148		85,383
Total loans, net of deferred loan fees and costs	2,985,623		2,769,295
ACL on loans	(38,859)		(34,690)
Loans, net	$	2,946,764	$	2,734,605

(1) At December 31, 2022 and June 30, 2022 accrued interest receivable of $10,434 and $7,969 was accounted for separately from the amortized cost basis.


	Type of Collateral and Extent to Which Collateral Secures Financial Assets								Financial Assets Not Considered Collateral Dependent
December 31, 2022	Residential Property		Investment Property		Commercial Property		Business Assets					Total
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	—		$	328,253	$	328,253
Commercial real estate - owner occupied	—		—		—		—			340,824		340,824
Commercial real estate - non-owner occupied	—		—		—		—			690,241		690,241
Multifamily	—		—		—		—			69,156		69,156
Total commercial real estate	—		—		—		—			1,428,474		1,428,474
Commercial
Commercial and industrial	—		—		—		816			193,649		194,465
Equipment finance	—		—		—		—			426,507		426,507
Municipal leases	—		—		—		—			135,922		135,922
PPP loans	—		—		—		—			214		214
Total commercial	—		—		—		816			756,292		757,108
Residential real estate
Construction and land development	—		—		—		—			100,002		100,002
One-to-four family	765		—		—		—			399,830		400,595
HELOCs	—		—		—		—			194,296		194,296
Total residential real estate	765		—		—		—			694,128		694,893
Consumer	—		—		—		—			105,148		105,148
Total	$	765	$	—	$	—	$	816		$	2,984,042	$	2,985,623
Total collateral value	$	1,293	$	—	$	—	$	—


	Type of Collateral and Extent to Which Collateral Secures Financial Assets								Financial Assets Not Considered Collateral Dependent
June 30, 2022	Residential Property		Investment Property		Commercial Property		Business Assets					Total
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	—		$	291,202	$	291,202
Commercial real estate - owner occupied	—		—		—		—			335,658		335,658
Commercial real estate - non-owner occupied	—		—		—		—			662,159		662,159
Multifamily	—		—		—		—			81,086		81,086
Total commercial real estate	—		—		—		—			1,370,105		1,370,105
Commercial
Commercial and industrial	—		—		—		2,594			190,058		192,652
Equipment finance	—		—		—		—			394,541		394,541
Municipal leases	—		—		—		—			129,766		129,766
PPP loans	—		—		—		—			661		661
Total commercial	—		—		—		2,594			715,026		717,620
Residential real estate
Construction and land development	—		—		—		—			81,847		81,847
One-to-four family	1,318		—		—		—			352,885		354,203
HELOCs	—		—		—		—			160,137		160,137
Total residential real estate	1,318		—		—		—			594,869		596,187
Consumer	—		—		—		—			85,383		85,383
Total	$	1,318	$	—	$	—	$	2,594		$	2,765,383	$	2,769,295
Total collateral value	$	2,443	$	—	$	—	$	69

Financing Receivable Credit Quality Indicators

The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate, and consumer loans by origination year as of December 31, 2022:


	Term Loans By Origination Fiscal Year
December 31, 2022	2023		2022			2021		2020		2019		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	18,267	$	26,694		$	5,195	$	609	$	1,582	$	7,090	$	267,895	$	327,332
Special mention	—		—			—		—		—		—		—		—
Substandard	—		871			—		—		—		50		—		921
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total construction and land development	18,267		27,565			5,195		609		1,582		7,140		267,895		328,253
Commercial real estate - owner occupied
Risk rating
Pass	22,024		57,836			68,838		46,495		39,665		86,119		14,006		334,983
Special mention	—		132			—		386		391		2,319		—		3,228
Substandard	—		—			—		—		—		2,613		—		2,613
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate - owner occupied	22,024		57,968			68,838		46,881		40,056		91,051		14,006		340,824
Commercial real estate - non-owner occupied
Risk rating
Pass	51,653		96,511			117,902		90,348		56,597		239,453		18,357		670,821
Special mention	—		—			—		—		—		14,040		5,379		19,419
Substandard	—		—			—		—		—		1		—		1
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate - non-owner occupied	51,653		96,511			117,902		90,348		56,597		253,494		23,736		690,241
Multifamily
Risk rating
Pass	1,962		11,755			18,964		10,402		3,381		21,808		483		68,755
Special mention	—		—			—		—		29		62		—		91
Substandard	—		—			—		—		—		310		—		310
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total multifamily	1,962		11,755			18,964		10,402		3,410		22,180		483		69,156
Total commercial real estate
Risk rating
Pass	$	93,906	$	192,796	—	$	210,899	$	147,854	$	101,225	$	354,470	$	300,741	$	1,401,891
Special mention	—		132			—		386		420		16,421		5,379		22,738
Substandard	—		871			—		—		—		2,974		—		3,845
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate	$	93,906	$	193,799		$	210,899	$	148,240	$	101,645	$	373,865	$	306,120	$	1,428,474


	Term Loans By Origination Fiscal Year
December 31, 2022	2023		2022		2021		2020		2019		Prior		Revolving		Total
Commercial and industrial
Risk rating
Pass	$	21,697	$	65,130	$	17,789	$	14,061	$	7,515	$	22,897	$	39,085	$	188,174
Special mention	—		147		349		—		219		—		200		915
Substandard	—		—		26		600		884		46		3,656		5,212
Doubtful	—		—		—		—		—		—		164		164
Loss	—		—		—		—		—		—		—		—
Total commercial and industrial	21,697		65,277		18,164		14,661		8,618		22,943		43,105		194,465
Equipment finance
Risk rating
Pass	101,278		161,067		93,081		49,654		17,966		1,061		—		424,107
Special mention	—		275		12		973		381		—		—		1,641
Substandard	—		—		121		27		149		—		—		297
Doubtful	—		229		233		—		—		—		—		462
Loss	—		—		—		—		—		—		—		—
Total equipment finance	101,278		161,571		93,447		50,654		18,496		1,061		—		426,507
Municipal leases
Risk rating
Pass	13,145		19,881		23,588		8,443		10,309		47,465		13,091		135,922
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total municipal leases	13,145		19,881		23,588		8,443		10,309		47,465		13,091		135,922
PPP loans
Risk rating
Pass	—		—		13		201		—		—		—		214
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total PPP loans	—		—		13		201		—		—		—		214
Total commercial
Risk rating
Pass	$	136,120	$	246,078	$	134,471	$	72,359	$	35,790	$	71,423	$	52,176	$	748,417
Special mention	—		422		361		973		600		—		200		2,556
Substandard	—		—		147		627		1,033		46		3,656		5,509
Doubtful	—		229		233		—		—		—		164		626
Loss	—		—		—		—		—		—		—		—
Total commercial	$	136,120	$	246,729	$	135,212	$	73,959	$	37,423	$	71,469	$	56,196	$	757,108


	Term Loans By Origination Fiscal Year
December 31, 2022	2023		2022		2021		2020		2019		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	568	$	861	$	—	$	50	$	—	$	1,487	$	96,693	$	99,659
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		343		—		343
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total construction and land development	568		861		—		50		—		1,830		96,693		100,002
One-to-four family
Risk rating
Pass	24,334		70,877		89,996		46,166		27,833		124,754		11,086		395,046
Special mention	—		—		—		—		—		625		—		625
Substandard	—		126		—		57		—		4,703		—		4,886
Doubtful	—		—		—		—		—		38		—		38
Loss	—		—		—		—		—		—		—		—
Total one-to-four family	24,334		71,003		89,996		46,223		27,833		130,120		11,086		400,595
HELOCs
Risk rating
Pass	3,226		1,107		638		517		976		7,057		180,006		193,527
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		46		646		48		740
Doubtful	—		—		—		—		—		29		—		29
Loss	—		—		—		—		—		—		—		—
Total HELOCs	3,226		1,107		638		517		1,022		7,732		180,054		194,296
Total residential real estate
Risk rating
Pass	$	28,128	$	72,845	$	90,634	$	46,733	$	28,809	$	133,298	$	287,785	$	688,232
Special mention	—		—		—		—		—		625		—		625
Substandard	—		126		—		57		46		5,692		48		5,969
Doubtful	—		—		—		—		—		67		—		67
Loss	—		—		—		—		—		—		—		—
Total residential real estate	$	28,128	$	72,971	$	90,634	$	46,790	$	28,855	$	139,682	$	287,833	$	694,893


	Term Loans By Origination Fiscal Year
December 31, 2022	2023		2022		2021		2020		2019		Prior		Revolving		Total
Total consumer
Risk rating
Pass	$	40,368	$	21,422	$	16,557	$	11,767	$	7,954	$	5,902	$	256	$	104,226
Special mention	—		—		—		—		—		—		—		—
Substandard	44		106		166		279		77		235		7		914
Doubtful	—		—		7		—		—		—		—		7
Loss	—		—		—		—		1		—		—		1
Total consumer	$	40,412	$	21,528	$	16,730	$	12,046	$	8,032	$	6,137	$	263	$	105,148

The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate, and consumer loans by origination year as of June 30, 2022:


	Term Loans By Origination Fiscal Year
June 30, 2022	2022		2021			2020		2019		2018		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	21,988	$	5,686		$	627	$	2,089	$	1,092	$	5,819	$	248,189	$	285,490
Special mention	—		—			—		—		—		97		4,677		4,774
Substandard	871		—			—		—		—		67		—		938
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total construction and land development	22,859		5,686			627		2,089		1,092		5,983		252,866		291,202
Commercial real estate - owner occupied
Risk rating
Pass	55,167		71,429			45,665		43,786		21,720		74,602		16,857		329,226
Special mention	—		—			396		418		—		2,416		—		3,230
Substandard	—		—			—		—		577		2,227		398		3,202
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate - owner occupied	55,167		71,429			46,061		44,204		22,297		79,245		17,255		335,658
Commercial real estate - non-owner occupied
Risk rating
Pass	97,885		122,975			95,268		56,846		81,037		182,664		7,214		643,889
Special mention	—		—			—		—		13,844		4,421		—		18,265
Substandard	—		—			—		—		—		5		—		5
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate - non-owner occupied	97,885		122,975			95,268		56,846		94,881		187,090		7,214		662,159
Multifamily
Risk rating
Pass	10,135		19,985			15,881		8,614		2,796		20,587		2,495		80,493
Special mention	—		—			—		29		—		217		—		246
Substandard	—		—			—		—		—		347		—		347
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total multifamily	10,135		19,985			15,881		8,643		2,796		21,151		2,495		81,086
Total commercial real estate
Risk rating
Pass	$	185,175	$	220,075	—	$	157,441	$	111,335	$	106,645	$	283,672	$	274,755	$	1,339,098
Special mention	—		—			396		447		13,844		7,151		4,677		26,515
Substandard	871		—			—		—		577		2,646		398		4,492
Doubtful	—		—			—		—		—		—		—		—
Loss	—		—			—		—		—		—		—		—
Total commercial real estate	$	186,046	$	220,075		$	157,837	$	111,782	$	121,066	$	293,469	$	279,830	$	1,370,105


	Term Loans By Origination Fiscal Year
June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Commercial and industrial
Risk rating
Pass	$	70,863	$	21,059	$	11,361	$	9,377	$	6,338	$	20,856	$	43,119	$	182,973
Special mention	—		346		260		364		—		—		1,957		2,927
Substandard	—		770		343		1,152		—		52		4,337		6,654
Doubtful	—		98		—		—		—		—		—		98
Loss	—		—		—		—		—		—		—		—
Total commercial and industrial	70,863		22,273		11,964		10,893		6,338		20,908		49,413		192,652
Equipment finance
Risk rating
Pass	186,139		113,363		64,400		26,467		1,755		—		—		392,124
Special mention	200		331		1,002		547		—		—		—		2,080
Substandard	—		123		18		159		—		—		—		300
Doubtful	32		—		—		5		—		—		—		37
Loss	—		—		—		—		—		—		—		—
Total equipment finance	186,371		113,817		65,420		27,178		1,755		—		—		394,541
Municipal leases
Risk rating
Pass	19,425		24,480		8,962		11,034		13,584		39,529		12,715		129,729
Special mention	—		37		—		—		—		—		—		37
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total municipal leases	19,425		24,517		8,962		11,034		13,584		39,529		12,715		129,766
PPP loans
Risk rating
Pass	—		375		286		—		—		—		—		661
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total PPP loans	—		375		286		—		—		—		—		661
Total commercial
Risk rating
Pass	$	276,427	$	159,277	$	85,009	$	46,878	$	21,677	$	60,385	$	55,834	$	705,487
Special mention	200		714		1,262		911		—		—		1,957		5,044
Substandard	—		893		361		1,311		—		52		4,337		6,954
Doubtful	32		98		—		5		—		—		—		135
Loss	—		—		—		—		—		—		—		—
Total commercial	$	276,659	$	160,982	$	86,632	$	49,105	$	21,677	$	60,437	$	62,128	$	717,620


	Term Loans By Origination Fiscal Year
June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	864	$	—	$	53	$	—	$	—	$	1,783	$	78,775	$	81,475
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		372		—		372
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total construction and land development	864		—		53		—		—		2,155		78,775		81,847
One-to-four family
Risk rating
Pass	55,415		74,035		47,364		29,075		23,250		113,307		4,077		346,523
Special mention	—		—		—		—		—		835		—		835
Substandard	128		—		1,002		540		430		4,590		—		6,690
Doubtful	—		—		—		—		—		155		—		155
Loss	—		—		—		—		—		—		—		—
Total one-to-four family	55,543		74,035		48,366		29,615		23,680		118,887		4,077		354,203
HELOCs
Risk rating
Pass	1,466		458		282		901		107		7,441		148,526		159,181
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		879		49		928
Doubtful	—		—		—		—		—		28		—		28
Loss	—		—		—		—		—		—		—		—
Total HELOCs	1,466		458		282		901		107		8,348		148,575		160,137
Total residential real estate
Risk rating
Pass	$	57,745	$	74,493	$	47,699	$	29,976	$	23,357	$	122,531	$	231,378	$	587,179
Special mention	—		—		—		—		—		835		—		835
Substandard	128		—		1,002		540		430		5,841		49		7,990
Doubtful	—		—		—		—		—		183		—		183
Loss	—		—		—		—		—		—		—		—
Total residential real estate	$	57,873	$	74,493	$	48,701	$	30,516	$	23,787	$	129,390	$	231,427	$	596,187


	Term Loans By Origination Fiscal Year
June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Total consumer
Risk rating
Pass	$	25,935	$	20,443	$	15,849	$	11,329	$	8,235	$	2,398	$	277	$	84,466
Special mention	—		—		—		—		—		—		—		—
Substandard	72		169		274		85		182		100		33		915
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		2		—		—		—		2
Total consumer	$	26,007	$	20,612	$	16,123	$	11,416	$	8,417	$	2,498	$	310	$	85,383

Past Due Financing Receivables

The following tables present aging analyses of past due loans (including nonaccrual loans) by segment and class for the periods indicated below:



	Past Due								Total
	30-89 Days		90 Days+		Total		Current		Loans
December 31, 2022
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	328,253	$	328,253
Commercial real estate - owner occupied	503		—		503		340,321		340,824
Commercial real estate - non-owner occupied	—		—		—		690,241		690,241
Multifamily	—		—		—		69,156		69,156
Total commercial real estate	503		—		503		1,427,971		1,428,474
Commercial
Commercial and industrial	87		549		636		193,829		194,465
Equipment finance	392		497		889		425,618		426,507
Municipal leases	83		—		83		135,839		135,922
PPP loans	—		—		—		214		214
Total commercial	562		1,046		1,608		755,500		757,108
Residential real estate
Construction and land development	—		133		133		99,869		100,002
One-to-four family	533		1,554		2,087		398,508		400,595
HELOCs	1,226		979		2,205		192,091		194,296
Total residential real estate	1,759		2,666		4,425		690,468		694,893
Consumer	456		173		629		104,519		105,148
Total loans	$	3,280	$	3,885	$	7,165	$	2,978,458	$	2,985,623


	Past Due								Total
	30-89 Days		90 Days+		Total		Current		Loans
June 30, 2022
Commercial real estate
Construction and land development	$	—	$	—	$	—	$	291,202	$	291,202
Commercial real estate - owner occupied	—		52		52		335,606		335,658
Commercial real estate - non-owner occupied	—		—		—		662,159		662,159
Multifamily	—		—		—		81,086		81,086
Total commercial real estate	—		52		52		1,370,053		1,370,105
Commercial
Commercial and industrial	255		—		255		192,397		192,652
Equipment finance	186		56		242		394,299		394,541
Municipal leases	—		—		—		129,766		129,766
PPP loans	—		—		—		661		661
Total commercial	441		56		497		717,123		717,620
Residential real estate
Construction and land development	115		22		137		81,710		81,847
One-to-four family	910		1,394		2,304		351,899		354,203
HELOCs	283		122		405		159,732		160,137
Total residential real estate	1,308		1,538		2,846		593,341		596,187
Consumer	330		177		507		84,876		85,383
Total loans	$	2,079	$	1,823	$	3,902	$	2,765,393	$	2,769,295

Schedule of Past Due Loans Still Accruing and Nonaccruing Interest


	December 31, 2022		June 30, 2022		90 Days+ & Still Accruing as of December 31, 2022		Nonaccrual With No Allowance as of December 31, 2022		Interest Income Recognized
Commercial real estate
Construction and land development	$	50	$	67	$	—	$	—	$	1
Commercial real estate - owner occupied	621		706		—		—		12
Commercial real estate - non-owner occupied	2		5		—		—		—
Multifamily	94		103		—		—		4
Total commercial real estate	767		881		—		—		17
Commercial
Commercial and industrial	970		1,951		—		151		58
Equipment finance	840		270		—		—		64
Municipal leases	—		—		—		—		5

Total commercial	1,810		2,221		—		151		127
Residential real estate
Construction and land development	133		137		—		—		2
One-to-four family	2,021		1,773		—		—		33
HELOCs	1,130		724		—		—		42
Total residential real estate	3,284		2,634		—		—		77
Consumer	313		384		—		—		8
Total loans	$	6,174	$	6,120	$	—	$	151	$	229

Allowance for Credit Losses on Financing Receivables


	Three Months Ended December 31, 2022
	Commercial Real Estate		Commercial		Residential Real Estate		Consumer		Total
Balance at beginning of period	$	14,680	$	12,978	$	8,383	$	2,260	$	38,301

Provision (benefit) for credit losses	378		1,232		693		122		2,425
Charge-offs	—		(1,859)		(51)		(69)		(1,979)
Recoveries	1		31		23		57		112
Net (charge-offs) recoveries	1		(1,828)		(28)		(12)		(1,867)
Balance at end of period	$	15,059	$	12,382	$	9,048	$	2,370	$	38,859


	Six Months Ended December 31, 2022
	Commercial Real Estate		Commercial		Residential Real Estate		Consumer		Total
Balance at beginning of period	$	13,414	$	12,036	$	7,611	$	1,629	$	34,690

Provision (benefit) for credit losses	1,642		2,296		1,367		814		6,119
Charge-offs	—		(2,133)		(123)		(170)		(2,426)
Recoveries	3		183		193		97		476
Net (charge-offs) recoveries	3		(1,950)		70		(73)		(1,950)
Balance at end of period	$	15,059	$	12,382	$	9,048	$	2,370	$	38,859


	Three Months Ended December 31, 2021
	Commercial Real Estate		Commercial		Residential Real Estate		Consumer		Total
Balance at beginning of period	$	13,994	$	10,211	$	7,601	$	2,600	$	34,406
Provision (benefit) for credit losses	(1,253)		1,113		(1,737)		(563)		(2,440)
Charge-offs	(1)		(1,130)		—		(16)		(1,147)
Recoveries	10		25		53		26		114
Net (charge-offs) recoveries	9		(1,105)		53		10		(1,033)
Balance at end of period	$	12,750	$	10,219	$	5,917	$	2,047	$	30,933


	Six Months Ended December 31, 2021
	Commercial Real Estate		Commercial		Residential Real Estate		Consumer		Total
Balance at beginning of period	$	15,084	$	9,663	$	8,185	$	2,536	$	35,468
Provision (benefit) for credit losses	(2,589)		1,826		(2,526)		(486)		(3,775)
Charge-offs	(439)		(1,311)		(27)		(79)		(1,856)
Recoveries	694		41		285		76		1,096
Net (charge-offs) recoveries	255		(1,270)		258		(3)		(760)
Balance at end of period	$	12,750	$	10,219	$	5,917	$	2,047	$	30,933

Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class

The following tables present ending balances of loans and the related ACL, by segment and class for the periods indicated below:


	Allowance for Credit Losses						Total Loans Receivable
	Loans Individually Evaluated		Loans Collectively Evaluated		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
December 31, 2022
Commercial real estate
Construction and land development	$	—	$	5,893	$	5,893	$	—	$	328,253	$	328,253
Commercial real estate - owner occupied	—		3,042		3,042		—		340,824		340,824
Commercial real estate - non-owner occupied	—		5,803		5,803		—		690,241		690,241
Multifamily	—		321		321		—		69,156		69,156
Total commercial real estate	—		15,059		15,059		—		1,428,474		1,428,474
Commercial
Commercial and industrial	646		3,755		4,401		1,505		192,960		194,465
Equipment finance	—		7,693		7,693		—		426,507		426,507
Municipal leases	—		288		288		—		135,922		135,922
PPP loans	—		—		—		—		214		214
Total commercial	646		11,736		12,382		1,505		755,603		757,108
Residential real estate
Construction and land development	—		1,576		1,576		—		100,002		100,002
One-to-four family	—		4,983		4,983		1,932		398,663		400,595
HELOCs	—		2,489		2,489		—		194,296		194,296
Total residential real estate	—		9,048		9,048		1,932		692,961		694,893
Consumer	—		2,370		2,370		—		105,148		105,148
Total	$	646	$	38,213	$	38,859	$	3,437	$	2,982,186	$	2,985,623


	Allowance for Credit Losses						Total Loans Receivable
	Loans Individually Evaluated		Loans Collectively Evaluated		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
June 30, 2022
Commercial real estate
Construction and land development	$	—	$	4,402	$	4,402	$	—	$	291,202	$	291,202
Commercial real estate - owner occupied	—		3,038		3,038		—		335,658		335,658
Commercial real estate - non-owner occupied	—		5,589		5,589		—		662,159		662,159
Multifamily	—		385		385		—		81,086		81,086
Total commercial real estate	—		13,414		13,414		—		1,370,105		1,370,105
Commercial
Commercial and industrial	2,191		2,892		5,083		2,854		189,798		192,652
Equipment finance	—		6,651		6,651		—		394,541		394,541
Municipal leases	—		302		302		—		129,766		129,766
PPP loans	—		—		—		—		661		661
Total commercial	2,191		9,845		12,036		2,854		714,766		717,620
Residential real estate
Construction and land development	—		1,052		1,052		—		81,847		81,847
One-to-four family	—		4,673		4,673		2,486		351,717		354,203
HELOCs	—		1,886		1,886		—		160,137		160,137
Total residential real estate	—		7,611		7,611		2,486		593,701		596,187
Consumer	—		1,629		1,629		—		85,383		85,383
Total	$	2,191	$	32,499	$	34,690	$	5,340	$	2,763,955	$	2,769,295

Troubled Debt Restructurings on Financing Receivables

The following tables present a breakdown of the types of concessions made on TDRs by loan class for the periods indicated below:


	Three Months Ended December 31,
	2022					2021
	Number of Loans	Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment		Number of Loans	Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment


































Other TDRs









Residential real estate

One-to-four family	—	$	—	$	—	3	$	215	$	212
HELOCs	—	—		—		1	51		51
Consumer	1	11		10		—	—		—
Total other TDRs	1	11		10		4	266		263
Total	1	$	11	$	10	4	$	266	$	263


	Six Months Ended December 31,
	2022					2021
	Number of Loans	Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment		Number of Loans	Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment
Below market interest rate





Commercial loans
Commercial and industrial	5	$	569	$	569	—	$	—	$	—







Total below market interest rate	5	$	569	$	569	—	$	—	$	—


















Other TDRs









Residential real estate loans

One-to-four family	—	$	—	$	—	3	$	215	$	212
HELOCs	—	—		—		2	68		70
Consumer	4	49		41		5	84		80
Total other TDRs	4	49		41		10	367		362
Total	9	$	618	$	610	10	$	367	$	362

Schedule of Trouble Debt Restructurings With Payment Default

The following tables present loans that were modified as TDRs within the previous 12 months and for which there was a payment default during the periods indicated below:


	Three Months Ended December 31,
	2022			2021
	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
Below market interest rate
Commercial loans


Commercial and industrial	1	$	140	—	$	—






















Total	1	$	140	—	$	—


	Six Months Ended December 31,
	2022			2021
	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
Below market interest rate
Commercial loans
Commercial and industrial	1	$	140	—	$	—



Total below market interest rate	1	$	140	—	$	—

Extended payment terms


Residential real estate loans
One-to-four family	1	$	34	—	$	—

Total extended payment terms	1	$	34	—	$	—

Other TDRs













Consumer	1	$	2	2	$	44
Total other TDRs	1	$	2	2	$	44
Total	3	$	176	2	$	44

Leases (Tables)

6 Months Ended

Dec. 31, 2022

Leases [Abstract]

Assets and Liabilities, Lessee

The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities.



Supplemental Balance Sheet Information	December 31, 2022			June 30, 2022
ROU assets	$	7,189		$	5,846

Lease liabilities	8,235			6,641

Weighted-average remaining lease terms (years)	10.7			10.8
Weighted-average discount rate	3.21		%	2.90		%

Lessee, Operating Lease, Liability, Maturity

The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	846
2024	1,247
2025	946
2026	821
2027	838
Thereafter	5,267
Total undiscounted minimum lease payments	9,965
Less: amount representing interest	(1,730)
Total lease liability	$	8,235

Lease, Cost

The following table presents components of operating lease expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease cost (included in occupancy expense, net)	$	345	$	400	$	692	$	867
Variable lease cost (included in occupancy expense, net)	3		—		5		6
Sublease income (included in other, noninterest income)	(28)		(47)		(85)		(94)
Total operating lease expense, net	$	320	$	353	$	612	$	779

Supplemental lease cash flow information for the periods indicated:


	Six Months Ended December 31,
	2022		2021
ROU assets - noncash additions (operating leases)	$	2,108	$	946

Cash paid for amounts included in the measurement of lease liabilities (operating leases)	720		797
Cash paid for amounts included in the measurement of lease liabilities (finance leases)	67		67

Finance Lease, Liability, Maturity

The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at December 31, 2022:


Fiscal year ending June 30
Remaining 2023	$	66
2024	145
2025	146
2026	146
2027	146
Thereafter	1,557
Total undiscounted minimum lease payments	2,206
Less: amount representing interest	(465)
Total lease liability	$	1,741

Schedule of Total Equipment Finance Operating Lease Income and Depreciation Expense

The following table presents total equipment finance operating lease income and depreciation expense for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Operating lease income	$	1,156	$	1,718	$	2,741	$	3,258
Depreciation expense	1,178		1,497		2,343		2,882

Lessor, Operating Lease, Payments to be Received, Maturity

The following schedule summarizes, as of December 31, 2022, aggregate future minimum lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	3,498
2024	5,088
2025	1,869
2026	697
2027	113
Thereafter	—
Total of future minimum lease payments	$	11,265

Sales-type and Direct Financing Leases, Lease Receivable, Maturity

The following schedule summarizes, as of December 31, 2022, aggregate future minimum finance lease payments to be received:


Fiscal year ending June 30
Remaining 2023	$	12,478
2024	20,448
2025	15,905
2026	11,646
2027	6,650
Thereafter	5,658
Total undiscounted minimum lease payments	72,785
Less: amount representing interest	(8,874)
Total lease receivable	$	63,911

Equity Incentive Plan (Tables)

6 Months Ended

Dec. 31, 2022

Share-Based Payment Arrangement [Abstract]

Schedule of Employee Service Share-based Compensation, Allocation of Recognized Period Costs

The table below presents share-based compensation expense and the estimated related tax benefit for stock options and restricted stock for the dates indicated below:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Share-based compensation expense	$	464	$	485	$	1,031	$	900
Tax benefit	110		114		244		212

Equity Incentive Plan Stock Option Activity

The table below presents stock option activity and related information for the six months ended December 31, 2022 and 2021:


	Options	Weighted- Average Exercise Price		Remaining Contractual Life (Years)	Aggregate Intrinsic Value
Options outstanding at June 30, 2021	1,319,456	$	19.07	3.9	$	11,657


Exercised	(347,800)	14.50		—	—
Forfeited	(18,600)	23.06		—	—

Options outstanding at December 31, 2021	953,056	$	20.65	4.1	$	9,840
Exercisable at December 31, 2021	727,506	$	19.12	3.2	$	8,631
Non-vested at December 31, 2021	225,550	$	25.62	6.9	$	1,210

Options outstanding at June 30, 2022	928,870	$	21.49	4.1	$	4,036
Granted	5,000	24.07		—	—

Exercised	(74,047)	14.37		—	—
Forfeited	(10,200)	26.98		—	—

Options outstanding at December 31, 2022	849,623	$	22.06	3.9	$	2,958
Exercisable at December 31, 2022	682,673	$	20.88	3.1	$	2,918
Non-vested at December 31, 2022	166,950	$	26.88	7.1	$	40

Assumptions Used In Estimating the Fair Value of Options Granted


	December 31, 2022
Weighted-average volatility	27.78		%
Expected dividend yield	1.62		%
Risk-free interest rate	3.11		%
Expected life (years)	6.5
Weighted-average fair value of options granted	$	6.77

Schedule of Nonvested Restricted Stock Units Activity

The table below presents restricted stock award activity and related information:


	Restricted Stock Awards	Weighted- Average Grant Date Fair Value		Aggregate Intrinsic Value
Non-vested at June 30, 2021	151,575	$	25.06	$	4,229

Vested	(8,918)	26.93		—
Forfeited	(9,400)	24.57		—
Non-vested at December 31, 2021	133,257	$	25.06	$	4,128

Non-vested at June 30, 2022	135,910	$	27.40	$	2,345
Granted	7,986	25.32		—
Vested	(13,861)	27.11		—
Forfeited	(6,200)	27.64		—
Non-vested at December 31, 2022	123,835	$	27.28	$	2,033

Net Income per Share (Tables)

6 Months Ended

Dec. 31, 2022

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

The following table sets forth the computation of basic and diluted net income per common share for the periods indicated:


	Three Months Ended December 31,				Six Months Ended December 31,
	2022		2021		2022		2021
Numerator
Net income	$	13,658	$	11,078	$	22,857	$	21,605
Allocation of earnings to participating securities	(112)		(94)		(187)		(182)
Numerator for basic EPS - Net income available to common stockholders	$	13,546	$	10,984	$	22,670	$	21,423
Effect of dilutive securities
Dilutive effect of participating securities	—		2		—		4
Numerator for diluted EPS	$	13,546	$	10,986	$	22,670	$	21,427
Denominator
Weighted-average common shares outstanding - basic	15,028,179		15,632,283		15,008,092		15,696,765
Dilutive effect of assumed exercises of stock options	132,974		357,323		137,609		360,842
Weighted-average common shares outstanding - diluted	15,161,153		15,989,606		15,145,701		16,057,607
Net income per share - basic	$	0.90	$	0.70	$	1.51	$	1.36
Net income per share - diluted	$	0.90	$	0.68	$	1.50	$	1.33

Fair Value of Financial Instruments (Tables)

6 Months Ended

Dec. 31, 2022

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

The following table presents financial assets measured at fair value on a recurring basis at the dates indicated:


	December 31, 2022
	Total		Level 1		Level 2		Level 3
Debt securities available for sale
U.S government agencies	$	15,399	$	—	$	15,399	$	—
MBS, residential	84,447		—		84,447		—
Municipal bonds	4,409		—		4,409		—
Corporate bonds	43,687		—		43,687		—
Total debt securities available for sale	$	147,942	$	—	$	147,942	$	—

Loans held for sale	$	518	$	—	$	518	$	—


	June 30, 2022
	Total		Level 1		Level 2		Level 3
Debt securities available for sale
U.S government agencies	$	18,459	$	—	$	18,459	$	—
MBS, residential	47,233		—		47,233		—
Municipal bonds	5,558		—		5,558		—
Corporate bonds	55,728		—		55,728		—
Total debt securities available for sale	$	126,978	$	—	$	126,978	$	—

Fair Value Measurements, Nonrecurring

The following table presents financial assets measured at fair value on a non-recurring basis at the dates indicated:


	December 31, 2022
	Total		Level 1		Level 2		Level 3
Collateral dependent loans

Commercial loans
Commercial and industrial	$	169	$	—	$	—	$	169


	June 30, 2022
	Total		Level 1		Level 2		Level 3
Collateral dependent loans
Commercial loans
Commercial and industrial	$	415	$	—	$	—	$	415

Fair Value, by Balance Sheet Grouping

The stated carrying value and estimated fair value amounts of financial instruments as of December 31, 2022 and June 30, 2022, are summarized below:


	December 31, 2022
	Carrying Value		Fair Value		Level 1		Level 2		Level 3
Assets
Cash and cash equivalents	$	165,034	$	165,034	$	165,034	$	—	$	—

Certificates of deposit in other banks	29,371		29,371		—		29,371		—
Debt securities available for sale, at fair value	147,942		147,942		—		147,942		—
FHLB and FRB stock	13,661		N/A		N/A		N/A		N/A
SBIC investments	12,414		12,414		—		—		12,414
Loans held for sale, at fair value	518		518		—		518		—
Loans held for sale, at the lower of cost or fair value	72,777		74,917		—		—		74,917
Loans, net	2,946,764		2,867,148		—		—		2,867,148
Accrued interest receivable	11,076		11,076		—		642		10,434
Liabilities
Noninterest-bearing and NOW deposits	1,365,312		1,365,312		—		1,365,312		—
Money market accounts	992,083		992,083		—		992,083		—
Savings accounts	230,896		230,896		—		230,896		—
Certificates of deposit	459,729		450,270		—		450,270		—
Borrowings	130,000		130,000		—		130,000		—
Accrued interest payable	358		358		—		358		—


	June 30, 2022
	Carrying Value		Fair Value		Level 1		Level 2		Level 3
Assets
Cash and cash equivalents	$	105,119	$	105,119	$	105,119	$	—	$	—
Commercial paper, net	194,427		194,427		194,427		—		—
Certificates of deposit in other banks	23,551		23,551		—		23,551		—
Debt securities available for sale	126,978		126,978		—		126,978		—
FHLB and FRB stock	9,326		N/A		N/A		N/A		N/A
SBIC investments	12,758		12,758		—		—		12,758
Loans held for sale	79,307		80,489		—		—		80,489
Loans, net	2,734,605		2,687,293		—		—		2,687,293
Accrued interest receivable	8,573		8,573		24		580		7,969
Liabilities
Noninterest-bearing and NOW deposits	1,400,727		1,400,727		—		1,400,727		—
Money market accounts	969,661		969,661		—		969,661		—
Savings accounts	238,197		238,197		—		238,197		—
Certificates of deposit	491,176		485,452		—		485,452		—

Accrued interest payable	80		80		—		80		—

Summary of Significant Accounting Policies (Details)	Dec. 31, 2022
Accounting Policies [Abstract]
Loans held for sale, term	25 years

Debt Securities - Available for Sale Securities Table (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 152,790	$ 130,099
Gross Unrealized Gains	10	40
Gross Unrealized Losses	(4,858)	(3,161)
Estimated Fair Value	147,942	126,978
U.S. government agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	15,998	18,993
Gross Unrealized Gains	0	5
Gross Unrealized Losses	(599)	(539)
Estimated Fair Value	15,399	18,459
MBS, residential
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	87,007	48,377
Gross Unrealized Gains	9	3
Gross Unrealized Losses	(2,569)	(1,147)
Estimated Fair Value	84,447	47,233
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	4,522	5,545
Gross Unrealized Gains	1	31
Gross Unrealized Losses	(114)	(18)
Estimated Fair Value	4,409	5,558
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	45,263	57,184
Gross Unrealized Gains	0	1
Gross Unrealized Losses	(1,576)	(1,457)
Estimated Fair Value	$ 43,687	$ 55,728

Debt Securities - Schedule of Investments Classified by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Amortized Cost
Due within one year	$ 42,262	$ 35,350
Due after one year through five years	18,006	40,325
Due after five years through ten years	5,515	6,047
Due after ten years	0	0
Total	152,790	130,099
Estimated Fair Value
Due within one year	41,448	34,956
Due after one year through five years	17,060	39,018
Due after five years through ten years	4,987	5,771
Due after ten years	0	0
Estimated Fair Value	147,942	126,978
MBS, residential
Amortized Cost
Total	87,007	48,377
Estimated Fair Value
Estimated Fair Value	$ 84,447	$ 47,233

Debt Securities - Narrative (Details)	6 Months Ended
Debt Securities - Narrative (Details)	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($)	Jun. 30, 2022 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 147,942,000		$ 126,978,000
Proceeds from sale of securities available for sale	0	$ 0
Gross realized gain (loss)	0	$ 0
Securities available for sale pledged as collateral market value	$ 80,818,000		$ 41,876,000
Number of securities with unrealized losses \| security	195		177
Accrued interest receivable for investment securities available for sale	$ 552,000
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 83,849,000		$ 43,187,000

Debt Securities - Available for Sale Securities Continuous Unrealized Loss Position Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 147,942	$ 126,978
Less than 12 Months, Fair Value	100,164	97,543
12 Months or Longer, Fair Value	42,959	19,542
Total, Fair Value	143,123	117,085
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(2,465)	(2,281)
12 Months or More, Unrealized Losses	(2,393)	(880)
Total, Unrealized Losses	(4,858)	(3,161)
U.S. government agencies
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	991	14,461
12 Months or Longer, Fair Value	14,408	0
Total, Fair Value	15,399	14,461
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(8)	(539)
12 Months or More, Unrealized Losses	(591)	0
Total, Unrealized Losses	(599)	(539)
MBS, residential
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	73,958	41,658
12 Months or Longer, Fair Value	8,571	5,269
Total, Fair Value	82,529	46,927
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(1,796)	(994)
12 Months or More, Unrealized Losses	(773)	(153)
Total, Unrealized Losses	(2,569)	(1,147)
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	3,408	1,970
12 Months or Longer, Fair Value	0	0
Total, Fair Value	3,408	1,970
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(114)	(18)
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	(114)	(18)
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	21,807	39,454
12 Months or Longer, Fair Value	19,980	14,273
Total, Fair Value	41,787	53,727
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(547)	(730)
12 Months or More, Unrealized Losses	(1,029)	(727)
Total, Unrealized Losses	(1,576)	(1,457)
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 83,849	$ 43,187

Loans Held For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Accounts, Notes, Loans and Financing Receivable
Total loans held for sale, at the lower of cost or fair value	$ 72,777	$ 79,307
Loans held for sale, at fair value	518	0
Amortized cost of loans held for sale	506	0
One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans held for sale, at the lower of cost or fair value	26	4,176
SBA
Accounts, Notes, Loans and Financing Receivable
Total loans held for sale, at the lower of cost or fair value	37,375	14,774
HELOCs
Accounts, Notes, Loans and Financing Receivable
Total loans held for sale, at the lower of cost or fair value	$ 35,376	$ 60,357

Loans and Allowance for Credit Losses on Loans - Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022	Jun. 30, 2022	Sep. 30, 2021	Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	$ 2,985,623		$ 2,985,623			$ 2,769,295
ACL on loans	(38,859)	$ (30,933)	(38,859)	$ (30,933)	$ (38,301)	(34,690)	$ (34,406)	$ (35,468)
Loans, net	2,946,764		2,946,764			2,734,605
Accrued interest receivable	10,434		10,434			7,969
Provision (benefit) for credit losses	2,425	(2,440)	6,119	(3,775)
Charge-offs	(1,979)	(1,147)	(2,426)	(1,856)
Recoveries	112	114	476	1,096
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	(1,867)	(1,033)	(1,950)	(760)
Commercial Real Estate Portfolio Segment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	1,428,474		1,428,474			1,370,105
ACL on loans	(15,059)	(12,750)	(15,059)	(12,750)	(14,680)	(13,414)	(13,994)	(15,084)
Provision (benefit) for credit losses	378	(1,253)	1,642	(2,589)
Charge-offs	0	(1)	0	(439)
Recoveries	1	10	3	694
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	1	9	3	255
Commercial Real Estate Portfolio Segment \| Construction Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	328,253		328,253			291,202
ACL on loans	(5,893)		(5,893)			(4,402)
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Owner Occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	340,824		340,824			335,658
ACL on loans	(3,042)		(3,042)			(3,038)
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Non-Owner Occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	690,241		690,241			662,159
ACL on loans	(5,803)		(5,803)			(5,589)
Commercial Real Estate Portfolio Segment \| Multifamily Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	69,156		69,156			81,086
ACL on loans	(321)		(321)			(385)
Commercial Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	757,108		757,108			717,620
ACL on loans	(12,382)	(10,219)	(12,382)	(10,219)	(12,978)	(12,036)	(10,211)	(9,663)
Provision (benefit) for credit losses	1,232	1,113	2,296	1,826
Charge-offs	(1,859)	(1,130)	(2,133)	(1,311)
Recoveries	31	25	183	41
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	(1,828)	(1,105)	(1,950)	(1,270)
Commercial Loans \| Commercial and Industrial Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	194,465		194,465			192,652
ACL on loans	(4,401)		(4,401)			(5,083)
Commercial Loans \| Equipment Finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	426,507		426,507			394,541
ACL on loans	(7,693)		(7,693)			(6,651)
Commercial Loans \| Municipal Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	135,922		135,922			129,766
ACL on loans	(288)		(288)			(302)
Commercial Loans \| PPP Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	214		214			661
ACL on loans	0		0			0
Residential Portfolio Segment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	694,893		694,893			596,187
ACL on loans	(9,048)	(5,917)	(9,048)	(5,917)	(8,383)	(7,611)	(7,601)	(8,185)
Provision (benefit) for credit losses	693	(1,737)	1,367	(2,526)
Charge-offs	(51)	0	(123)	(27)
Recoveries	23	53	193	285
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	(28)	53	70	258
Residential Portfolio Segment \| Construction Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	100,002		100,002			81,847
ACL on loans	(1,576)		(1,576)			(1,052)
Residential Portfolio Segment \| One-To-Four Family Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	400,595		400,595			354,203
ACL on loans	(4,983)		(4,983)			(4,673)
Retail Consumer Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans, net of deferred loan fees and costs	105,148		105,148			85,383
ACL on loans	(2,370)	(2,047)	(2,370)	(2,047)	$ (2,260)	$ (1,629)	$ (2,600)	$ (2,536)
Provision (benefit) for credit losses	122	(563)	814	(486)
Charge-offs	(69)	(16)	(170)	(79)
Recoveries	57	26	97	76
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	$ (12)	$ 10	$ (73)	$ (3)

Loans and Allowance for Credit Losses on Loans - Schedule of Past Due Loans Still Accruing and Nonaccruing Interest (Details) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2022	Jun. 30, 2022
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	$ 6,174	$ 6,120
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	151
Interest Income Recognized	229
Commercial Real Estate Portfolio Segment
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	767	881
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	17
Commercial Real Estate Portfolio Segment \| Construction Loans
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	50	67
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	1
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Owner Occupied
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	621	706
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	12
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Non-Owner Occupied
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	2	5
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	0
Commercial Real Estate Portfolio Segment \| Multifamily Loan
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	94	103
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	4
Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	1,810	2,221
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	151
Interest Income Recognized	127
Commercial Loans \| Commercial and Industrial Loan
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	970	1,951
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	151
Interest Income Recognized	58
Commercial Loans \| Equipment Finance
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	840	270
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	64
Commercial Loans \| Municipal Loans
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	0	0
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	5
Residential Portfolio Segment
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	3,284	2,634
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	77
Residential Portfolio Segment \| Construction Loans
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	133	137
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	2
Residential Portfolio Segment \| One-To-Four Family Loan
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	2,021	1,773
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	33
Residential Portfolio Segment \| HELOC's Loan
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	1,130	724
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	42
Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Financing Receivable, Excluding Accrued Interest, Nonaccrual	313	$ 384
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0
Interest Income Recognized	$ 8

Loans and Allowance for Credit Losses on Loans - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2022
Accounts, Notes, Loans and Financing Receivable
Off-Balance-Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)	$ (85)	$ (110)	$ 358	$ (235)
Commercial Paper, Credit Loss, Expense (Reversal)	(100)	$ 50	(250)	$ 50
Reserve for credit losses for off-balance sheet credit exposures included in other liabilities	3,662		3,662		$ 3,304
Performing financing receivable
Accounts, Notes, Loans and Financing Receivable
Performing restructured loans included in impaired loans	$ 9,327		$ 9,327		$ 9,818

Loans and Allowance for Credit Losses on Loans - Schedule of Allowance for Credit Losses on Financing Receivables After Adoption of ASU 2016-13 (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 38,301	$ 34,406	$ 34,690	$ 35,468
Provision (benefit) for credit losses	2,425	(2,440)	6,119	(3,775)
Charge-offs	(1,979)	(1,147)	(2,426)	(1,856)
Recoveries	112	114	476	1,096
Net (charge-offs) recoveries	(1,867)	(1,033)	(1,950)	(760)
Balance at end of period	38,859	30,933	38,859	30,933
Commercial Real Estate Portfolio Segment
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	14,680	13,994	13,414	15,084
Provision (benefit) for credit losses	378	(1,253)	1,642	(2,589)
Charge-offs	0	(1)	0	(439)
Recoveries	1	10	3	694
Net (charge-offs) recoveries	1	9	3	255
Balance at end of period	15,059	12,750	15,059	12,750
Commercial Loans
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	12,978	10,211	12,036	9,663
Provision (benefit) for credit losses	1,232	1,113	2,296	1,826
Charge-offs	(1,859)	(1,130)	(2,133)	(1,311)
Recoveries	31	25	183	41
Net (charge-offs) recoveries	(1,828)	(1,105)	(1,950)	(1,270)
Balance at end of period	12,382	10,219	12,382	10,219
Residential Portfolio Segment
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	8,383	7,601	7,611	8,185
Provision (benefit) for credit losses	693	(1,737)	1,367	(2,526)
Charge-offs	(51)	0	(123)	(27)
Recoveries	23	53	193	285
Net (charge-offs) recoveries	(28)	53	70	258
Balance at end of period	9,048	5,917	9,048	5,917
Retail Consumer Loans
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	2,260	2,600	1,629	2,536
Provision (benefit) for credit losses	122	(563)	814	(486)
Charge-offs	(69)	(16)	(170)	(79)
Recoveries	57	26	97	76
Net (charge-offs) recoveries	(12)	10	(73)	(3)
Balance at end of period	$ 2,370	$ 2,047	$ 2,370	$ 2,047

Loans and Allowance for Credit Losses on Loans - Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	$ 646		$ 2,191
Allowance for credit losses, Loans collectively evaluated	38,213		32,499
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	38,859	$ 38,301	34,690	$ 30,933	$ 34,406	$ 35,468
Total loans receivable, Loans individually evaluated for impairment	3,437		5,340
Total loans receivable, Loans collectively evaluated	2,982,186		2,763,955
Total loans, net of deferred loan fees and costs	2,985,623		2,769,295
Commercial Real Estate Portfolio Segment
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	15,059		13,414
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	15,059	14,680	13,414	12,750	13,994	15,084
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	1,428,474		1,370,105
Total loans, net of deferred loan fees and costs	1,428,474		1,370,105
Commercial Real Estate Portfolio Segment \| Construction Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	5,893		4,402
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	5,893		4,402
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	328,253		291,202
Total loans, net of deferred loan fees and costs	328,253		291,202
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Owner Occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	3,042		3,038
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	3,042		3,038
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	340,824		335,658
Total loans, net of deferred loan fees and costs	340,824		335,658
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Non-Owner Occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	5,803		5,589
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	5,803		5,589
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	690,241		662,159
Total loans, net of deferred loan fees and costs	690,241		662,159
Commercial Real Estate Portfolio Segment \| Multifamily Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	321		385
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	321		385
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	69,156		81,086
Total loans, net of deferred loan fees and costs	69,156		81,086
Commercial Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	646		2,191
Allowance for credit losses, Loans collectively evaluated	11,736		9,845
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	12,382	12,978	12,036	10,219	10,211	9,663
Total loans receivable, Loans individually evaluated for impairment	1,505		2,854
Total loans receivable, Loans collectively evaluated	755,603		714,766
Total loans, net of deferred loan fees and costs	757,108		717,620
Commercial Loans \| Commercial and Industrial Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	646		2,191
Allowance for credit losses, Loans collectively evaluated	3,755		2,892
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	4,401		5,083
Total loans receivable, Loans individually evaluated for impairment	1,505		2,854
Total loans receivable, Loans collectively evaluated	192,960		189,798
Total loans, net of deferred loan fees and costs	194,465		192,652
Commercial Loans \| Equipment Finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	7,693		6,651
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	7,693		6,651
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	426,507		394,541
Total loans, net of deferred loan fees and costs	426,507		394,541
Commercial Loans \| Municipal Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	288		302
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	288		302
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	135,922		129,766
Total loans, net of deferred loan fees and costs	135,922		129,766
Commercial Loans \| PPP Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	0		0
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	0		0
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	214		661
Total loans, net of deferred loan fees and costs	214		661
Residential Portfolio Segment
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	9,048		7,611
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	9,048	8,383	7,611	5,917	7,601	8,185
Total loans receivable, Loans individually evaluated for impairment	1,932		2,486
Total loans receivable, Loans collectively evaluated	692,961		593,701
Total loans, net of deferred loan fees and costs	694,893		596,187
Residential Portfolio Segment \| Construction Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	1,576		1,052
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	1,576		1,052
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	100,002		81,847
Total loans, net of deferred loan fees and costs	100,002		81,847
Residential Portfolio Segment \| One-To-Four Family Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	4,983		4,673
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	4,983		4,673
Total loans receivable, Loans individually evaluated for impairment	1,932		2,486
Total loans receivable, Loans collectively evaluated	398,663		351,717
Total loans, net of deferred loan fees and costs	400,595		354,203
Residential Portfolio Segment \| HELOC's Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	2,489		1,886
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	2,489		1,886
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	194,296		160,137
Total loans, net of deferred loan fees and costs	194,296		160,137
Retail Consumer Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	2,370		1,629
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	2,370	$ 2,260	1,629	$ 2,047	$ 2,600	$ 2,536
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	105,148		85,383
Total loans, net of deferred loan fees and costs	$ 105,148		$ 85,383

Loans and Allowance for Credit Losses on Loans - Troubled Debt Restructurings on Financing Receivables (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Financing Receivable, Modifications
Number of loans \| loan	1	4	9	10
Pre-modification outstanding recorded investment	$ 11	$ 266	$ 618	$ 367
Post-modification outstanding recorded investment	$ 10	$ 263	$ 610	$ 362
Below market interest rate
Financing Receivable, Modifications
Number of loans \| loan			5	0
Pre-modification outstanding recorded investment			$ 569	$ 0
Post-modification outstanding recorded investment			$ 569	$ 0
Other TDRs
Financing Receivable, Modifications
Number of loans \| loan	1	4	4	10
Pre-modification outstanding recorded investment	$ 11	$ 266	$ 49	$ 367
Post-modification outstanding recorded investment	$ 10	$ 263	$ 41	$ 362
Commercial Loans \| Commercial and Industrial Loan \| Below market interest rate
Financing Receivable, Modifications
Number of loans \| loan			5	0
Pre-modification outstanding recorded investment			$ 569	$ 0
Post-modification outstanding recorded investment			$ 569	$ 0
Residential Portfolio Segment \| One-To-Four Family Loan \| Other TDRs
Financing Receivable, Modifications
Number of loans \| loan	0	3	0	3
Pre-modification outstanding recorded investment	$ 0	$ 215	$ 0	$ 215
Post-modification outstanding recorded investment	$ 0	$ 212	$ 0	$ 212
Residential Portfolio Segment \| HELOC's Loan \| Other TDRs
Financing Receivable, Modifications
Number of loans \| loan	0	1	0	2
Pre-modification outstanding recorded investment	$ 0	$ 51	$ 0	$ 68
Post-modification outstanding recorded investment	$ 0	$ 51	$ 0	$ 70
Retail Consumer Loans \| Other TDRs
Financing Receivable, Modifications
Number of loans \| loan	1	0	4	5
Pre-modification outstanding recorded investment	$ 11	$ 0	$ 49	$ 84
Post-modification outstanding recorded investment	$ 10	$ 0	$ 41	$ 80

Loans and Allowance for Credit Losses on Loans - Schedule of Troubled Debt Restructurings With Payment Default (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Financing Receivable, Modifications
Number of loans \| loan			3,000	2
Recorded investment \| $			$ 176	$ 44
Below market interest rate
Financing Receivable, Modifications
Number of loans \| loan	1,000	0	1,000	0
Recorded investment \| $	$ 140	$ 0	$ 140	$ 0
Extended payment terms
Financing Receivable, Modifications
Number of loans \| loan			1,000	0
Recorded investment \| $			$ 34	$ 0
Other TDRs
Financing Receivable, Modifications
Number of loans \| loan			1,000	2
Recorded investment \| $			$ 2	$ 44
Commercial Loans \| Below market interest rate \| Commercial and Industrial Loan
Financing Receivable, Modifications
Number of loans \| loan	1,000	0	1,000	0
Recorded investment \| $	$ 140	$ 0	$ 140	$ 0
Residential Portfolio Segment \| Extended payment terms \| One-To-Four Family Loan
Financing Receivable, Modifications
Number of loans \| loan			1,000	0
Recorded investment \| $			$ 34	$ 0
Retail Consumer Loans \| Other TDRs
Financing Receivable, Modifications
Number of loans \| loan			1,000	2
Recorded investment \| $			$ 2	$ 44

Leases - Supplement Balance Sheet (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2022
Leases [Abstract]
Renewal term (in years)	15 years		15 years
ROU assets	$ 7,189		$ 7,189		$ 5,846
Lease liabilities	$ 8,235		$ 8,235		$ 6,641
Weighted-average remaining lease terms (years)	10 years 8 months 12 days		10 years 8 months 12 days		10 years 9 months 18 days
Weighted-average discount rate	3.21%		3.21%		2.90%
Finance lease, right-of-use asset	$ 2,052		$ 2,052		$ 2,052
Finance lease, liability	1,741		1,741		$ 1,763
Finance lease, interest expense	$ 23	$ 24	$ 46	$ 48
Finance lease, discount rate	5.18%		5.18%

Leases - Maturity Schedule for Finance and Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Operating Leases
Remaining 2023	$ 846
2024	1,247
2025	946
2026	821
2027	838
Thereafter	5,267
Total undiscounted minimum lease payments	9,965
Less: amount representing interest	(1,730)
Lease liabilities	8,235	$ 6,641
Finance Leases
Remaining 2023	66
2024	145
2025	146
2026	146
2027	146
Thereafter	1,557
Total undiscounted minimum lease payments	2,206
Less: amount representing interest	(465)
Total lease liability	$ 1,741	$ 1,763

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating lease cost (included in occupancy expense, net)	$ 345	$ 400	$ 692	$ 867
Variable lease cost (included in occupancy expense, net)	3	0	5	6
Sublease income (included in other, noninterest income)	(28)	(47)	(85)	(94)
Total operating lease expense, net	$ 320	$ 353	$ 612	$ 779

Leases - Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
ROU assets - noncash additions (operating leases)	$ 2,108	$ 946
Cash paid for amounts included in the measurement of lease liabilities (operating leases)	720	797
Cash paid for amounts included in the measurement of lease liabilities (finance leases)	$ 67	$ 67

Leases - Lessor, Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2022
Lessor, Lease, Description [Line Items]
Leased asset	$ 20,047		$ 20,047		$ 20,075
Operating lease, residual value of leased asset	13,046		13,046		12,874
Direct financing lease, interest income	818	$ 753	1,575	$ 1,512
Direct financing lease, lease receivable	$ 63,900		$ 63,900		$ 62,200
Minimum
Lessor, Lease, Description [Line Items]
Term of contract	1 year		1 year
Maximum
Lessor, Lease, Description [Line Items]
Term of contract	5 years		5 years

Leases - Total Equipment Finance Operating Lease Income and Depreciation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating lease income	$ 1,156	$ 1,718	$ 2,741	$ 3,258
Depreciation expense	$ 1,178	$ 1,497	$ 2,343	$ 2,882

Leases - Lessor, Fiscal Year Maturity Schedule (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Lessor, Operating Lease, Payments, Fiscal Year Maturity [Abstract]
Remaining 2023	$ 3,498
2024	5,088
2025	1,869
2026	697
2027	113
Thereafter	0
Total of future minimum lease payments	11,265
Financing Leases
Remaining 2023	12,478
2024	20,448
2025	15,905
2026	11,646
2027	6,650
Thereafter	5,658
Total undiscounted minimum lease payments	72,785
Less: amount representing interest	(8,874)
Total lease receivable	$ 63,911

Equity Incentive Plan - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2022	Jun. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Nonvested, number of shares (in shares)	166,950	225,550
Remaining contractual life (years)	3 years 10 months 24 days	4 years 1 month 6 days	4 years 1 month 6 days	3 years 10 months 24 days
Options outstanding (in shares)		225,550
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost not yet recognized	$ 613	$ 894
Remaining contractual life (years)	5 years	5 years
Compensation cost not yet recognized, period for recognition (in years)	1 year 1 month 6 days	1 year 1 month 6 days
Performance Restricted Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	3 years
Non-vested (in shares)	22,843	23,662
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost not yet recognized, period for recognition (in years)	1 year 3 months 18 days	1 year 3 months 18 days
Compensation not yet recognized, share-based awards other than options	$ 2,037	$ 2,043
Non-vested (in shares)	123,835	133,257	135,910	151,575
Restricted Stock \| Vesting Period One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	3 years	3 years
Restricted Stock \| Vesting Period Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	5 years	5 years
2022 Omnibus Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	1,000,000

Equity Incentive Plan Equity Incentive Plan - Share Based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement [Abstract]
Share-based compensation expense	$ 464	$ 485	$ 1,031	$ 900
Tax benefit	$ 110	$ 114	$ 244	$ 212

Equity Incentive Plan - Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	6 Months Ended		12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2022	Jun. 30, 2021
Options
Options Outstanding, Beginning of Period (in shares)	928,870	1,319,456	1,319,456
Granted (in shares)	5,000
Exercised (in shares)	(74,047)	(347,800)
Forfeited (in shares)	(10,200)	(18,600)
Options Outstanding, End of period (in shares)	849,623	953,056	928,870	1,319,456
Exercisable (in shares)	682,673	727,506
Weighted- Average Exercise Price
Options Outstanding, Beginning of Period (in usd per share)	$ 21.49	$ 19.07	$ 19.07
Granted (in usd per share)	24.07
Exercised (in usd per share)	14.37	14.50
Forfeited (in usd per share)	26.98	23.06
Options Outstanding, End of Period (in usd per share)	22.06	20.65	$ 21.49	$ 19.07
Exercisable (in usd per share)	$ 20.88	$ 19.12
Remaining contractual life (years)	3 years 10 months 24 days	4 years 1 month 6 days	4 years 1 month 6 days	3 years 10 months 24 days
Exercisable (in years)	3 years 1 month 6 days	3 years 2 months 12 days
Aggregate intrinsic value	$ 2,958	$ 9,840	$ 4,036	$ 11,657
Aggregate intrinsic value	$ 2,918	$ 8,631
Non-vested Options
Nonvested, number of shares (in shares)	166,950	225,550
Nonvested, weighted average grant date fair value (in dollars per share)	$ 26.88	$ 25.62
Nonvested, contractual term (in years)	7 years 1 month 6 days	6 years 10 months 24 days
Nonvested, intrinsic value	$ 40	$ 1,210

Equity Incentive Plan - Assumptions Used in Estimating Fair Value (Details)	6 Months Ended
	Dec. 31, 2022 $ / shares
Share-Based Payment Arrangement [Abstract]
Weighted-average volatility	27.78%
Expected dividend yield	1.62%
Risk-free interest rate	3.11%
Expected life (years)	6 years 6 months
Weighted-average fair value of options granted (in dollars per share)	$ 6.77

Equity Incentive Plan - Schedule of Nonvested Restricted Stock Units Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2022	Jun. 30, 2021
Weighted- Average Grant Date Fair Value
Aggregate intrinsic value	$ 2,918	$ 8,631
Restricted Stock
Restricted Stock Awards
Non-vested, Beginning Balance (in shares)	135,910	151,575
Granted (in shares)	7,986
Vested (in shares)	(13,861)	(8,918)
Forfeited (in shares)	(6,200)	(9,400)
Non-vested, Ending Balance (in shares)	123,835	133,257
Weighted- Average Grant Date Fair Value
Non-vested, Beginning Balance (in usd per share)	$ 27.40	$ 25.06
Granted (in usd per share)	25.32
Vested (in usd per share)	27.11	26.93
Forfeitures (in dollars per share)	27.64	24.57
Non-vested, Ending Balance (in usd per share)	$ 27.28	$ 25.06
Aggregate intrinsic value	$ 2,033	$ 4,128	$ 2,345	$ 4,229

Net Income per Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Numerator
Net income	$ 13,658	$ 11,078	$ 22,857	$ 21,605
Allocation of earnings to participating securities	(112)	(94)	(187)	(182)
Numerator for basic EPS - Net income available to common stockholders	13,546	10,984	22,670	21,423
Dilutive effect of participating securities	0	2	0	4
Numerator for diluted EPS	$ 13,546	$ 10,986	$ 22,670	$ 21,427
Denominator
Weighted-average common shares outstanding - basic (in shares)	15,028,179	15,632,283	15,008,092	15,696,765
Dilutive effect of assumed exercises of stock options (in shares)	132,974	357,323	137,609	360,842
Weighted-average common shares outstanding - diluted (in shares)	15,161,153	15,989,606	15,145,701	16,057,607
Net income per share - basic (in dollars per share)	$ 0.90	$ 0.70	$ 1.51	$ 1.36
Net income per share - diluted (in dollars per share)	$ 0.90	$ 0.68	$ 1.50	$ 1.33

Net Income per Share - Antidilutive Stock Options (Details) - shares	3 Months Ended		6 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	540,600	41,000	540,600	56,000

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2022	Jun. 30, 2022
Other Commitments
Unused commitments to extend credit	$ 90,214	$ 104,745
Variable rate commitments	11,604	23,159
Fixed rate commitments	78,610	81,586
Remaining borrowing capacity	540,370	485,239
Letters of credit outstanding	$ 19,997	$ 18,362
Minimum
Other Commitments
Fixed interest rate (as a percent)	1.41%	1.41%
Loan Commitments Terms		3 years
Maximum
Other Commitments
Fixed interest rate (as a percent)	9.44%	9.00%
Loan Commitments Terms		30 years
Construction and development
Other Commitments
Unused commitments to extend credit	$ 272,250	$ 312,893

Fair Value of Financial Instruments - Schedule of Fair Value Measurements, Nonrecurring (Details) - Fair Value, Measurements, Nonrecurring - Commercial Loans - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Commercial and Industrial Loan
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 169
Commercial Property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		$ 415
Fair Value, Inputs, Level 1 \| Commercial and Industrial Loan
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0
Fair Value, Inputs, Level 1 \| Commercial Property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		0
Fair Value, Inputs, Level 2 \| Commercial and Industrial Loan
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0
Fair Value, Inputs, Level 2 \| Commercial Property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		0
Fair Value, Inputs, Level 3 \| Commercial and Industrial Loan
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 169
Fair Value, Inputs, Level 3 \| Commercial Property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		$ 415

Fair Value of Financial Instruments - Narrative (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Jun. 30, 2022 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value off-balance sheet risks, amount, liability	$ 922,831	$ 921,239
Minimum \| Fair Value, Inputs, Level 3 \| Real Estate Loans \| Collateral discounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Level 3 fair value measurements during the period	0.08
Minimum \| Fair Value, Inputs, Level 3 \| Real Estate Loans \| Discount Spread
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Level 3 fair value measurements during the period	0.05
Maximum \| Fair Value, Inputs, Level 3 \| Real Estate Loans \| Collateral discounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Level 3 fair value measurements during the period	0.12
Maximum \| Fair Value, Inputs, Level 3 \| Real Estate Loans \| Discount Spread
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Level 3 fair value measurements during the period	0.15

Loans and Allowance for Credit Losses on Loans - Past Due Financing Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	$ 2,985,623	$ 2,769,295
30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	3,280	2,079
90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	3,885	1,823
Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	7,165	3,902
Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	2,978,458	2,765,393
Commercial Real Estate Portfolio Segment
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	1,428,474	1,370,105
Commercial Real Estate Portfolio Segment \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	503	0
Commercial Real Estate Portfolio Segment \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	52
Commercial Real Estate Portfolio Segment \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	503	52
Commercial Real Estate Portfolio Segment \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	1,427,971	1,370,053
Commercial Real Estate Portfolio Segment \| Construction Loans
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	328,253	291,202
Commercial Real Estate Portfolio Segment \| Construction Loans \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Construction Loans \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Construction Loans \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Construction Loans \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	328,253	291,202
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Owner Occupied
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	340,824	335,658
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Owner Occupied \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	503	0
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Owner Occupied \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	52
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Owner Occupied \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	503	52
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Owner Occupied \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	340,321	335,606
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Non-Owner Occupied
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	690,241	662,159
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Non-Owner Occupied \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Non-Owner Occupied \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Non-Owner Occupied \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Commercial Real Estate Loan, Non-Owner Occupied \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	690,241	662,159
Commercial Real Estate Portfolio Segment \| Multifamily Loan
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	69,156	81,086
Commercial Real Estate Portfolio Segment \| Multifamily Loan \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Multifamily Loan \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Multifamily Loan \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Real Estate Portfolio Segment \| Multifamily Loan \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	69,156	81,086
Commercial Loans
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	757,108	717,620
Commercial Loans \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	562	441
Commercial Loans \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	1,046	56
Commercial Loans \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	1,608	497
Commercial Loans \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	755,500	717,123
Commercial Loans \| Commercial and Industrial Loan
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	194,465	192,652
Commercial Loans \| Commercial and Industrial Loan \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	87	255
Commercial Loans \| Commercial and Industrial Loan \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	549	0
Commercial Loans \| Commercial and Industrial Loan \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	636	255
Commercial Loans \| Commercial and Industrial Loan \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	193,829	192,397
Commercial Loans \| Equipment Finance
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	426,507	394,541
Commercial Loans \| Equipment Finance \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	392	186
Commercial Loans \| Equipment Finance \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	497	56
Commercial Loans \| Equipment Finance \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	889	242
Commercial Loans \| Equipment Finance \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	425,618	394,299
Commercial Loans \| Municipal Loans
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	135,922	129,766
Commercial Loans \| Municipal Loans \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	83	0
Commercial Loans \| Municipal Loans \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Loans \| Municipal Loans \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	83	0
Commercial Loans \| Municipal Loans \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	135,839	129,766
Commercial Loans \| PPP Loan
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	214	661
Commercial Loans \| PPP Loan \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Loans \| PPP Loan \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Loans \| PPP Loan \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	0
Commercial Loans \| PPP Loan \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	214	661
Residential Portfolio Segment
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	694,893	596,187
Residential Portfolio Segment \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	1,759	1,308
Residential Portfolio Segment \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	2,666	1,538
Residential Portfolio Segment \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	4,425	2,846
Residential Portfolio Segment \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	690,468	593,341
Residential Portfolio Segment \| Construction Loans
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	100,002	81,847
Residential Portfolio Segment \| Construction Loans \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	0	115
Residential Portfolio Segment \| Construction Loans \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	133	22
Residential Portfolio Segment \| Construction Loans \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	133	137
Residential Portfolio Segment \| Construction Loans \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	99,869	81,710
Residential Portfolio Segment \| One-To-Four Family Loan
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	400,595	354,203
Residential Portfolio Segment \| One-To-Four Family Loan \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	533	910
Residential Portfolio Segment \| One-To-Four Family Loan \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	1,554	1,394
Residential Portfolio Segment \| One-To-Four Family Loan \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	2,087	2,304
Residential Portfolio Segment \| One-To-Four Family Loan \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	398,508	351,899
Residential Portfolio Segment \| HELOC's Loan
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	194,296	160,137
Residential Portfolio Segment \| HELOC's Loan \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	1,226	283
Residential Portfolio Segment \| HELOC's Loan \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	979	122
Residential Portfolio Segment \| HELOC's Loan \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	2,205	405
Residential Portfolio Segment \| HELOC's Loan \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	192,091	159,732
Retail Consumer Loans
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	105,148	85,383
Retail Consumer Loans \| 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	456	330
Retail Consumer Loans \| 90 Days+
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	173	177
Retail Consumer Loans \| Total
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	629	507
Retail Consumer Loans \| Current
Financing Receivable, Past Due [Line Items]
Total loans, net of deferred loan fees and costs	$ 104,519	$ 84,876

Fair Value of Financial Instruments - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Available-for-Sale Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 147,942	$ 126,978
Available-for-Sale Securities \| Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Available-for-Sale Securities \| Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	147,942	126,978
Available-for-Sale Securities \| Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
US Government Agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	15,399	18,459
US Government Agencies \| Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
US Government Agencies \| Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	15,399	18,459
US Government Agencies \| Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
MBS, residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	84,447	47,233
MBS, residential \| Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
MBS, residential \| Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	84,447	47,233
MBS, residential \| Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	4,409	5,558
Municipal bonds \| Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Municipal bonds \| Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	4,409	5,558
Municipal bonds \| Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	43,687	55,728
Corporate bonds \| Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Corporate bonds \| Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	43,687	55,728
Corporate bonds \| Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	$ 0
Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	518
Loans held for sale \| Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0
Loans held for sale \| Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	518
Loans held for sale \| Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 0

Fair Value of Financial Instruments - Schedule of Fair Value, by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
Fair Value, Inputs, Level 1 \| Cash and interest-bearing deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	$ 165,034	$ 105,119
Fair Value, Inputs, Level 1 \| Commercial paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		194,427
Fair Value, Inputs, Level 1 \| Certificates of deposit in other banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 \| Securities available for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 \| Small Business Investment Company Funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 \| Loans held for sale, at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0
Fair Value, Inputs, Level 1 \| Loans held for sale, at the lower of cost or fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0
Fair Value, Inputs, Level 1 \| Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		0
Fair Value, Inputs, Level 1 \| Loans, net
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 \| Accrued interest receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	24
Fair Value, Inputs, Level 1 \| Noninterest-bearing and NOW deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 \| Money market accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 \| Savings accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 \| Certificates of deposit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 \| Other borrowings
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0
Fair Value, Inputs, Level 1 \| Accrued interest payable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 \| Cash and interest-bearing deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 \| Commercial paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		0
Fair Value, Inputs, Level 2 \| Certificates of deposit in other banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	29,371	23,551
Fair Value, Inputs, Level 2 \| Securities available for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	147,942	126,978
Fair Value, Inputs, Level 2 \| Small Business Investment Company Funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 \| Loans held for sale, at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	518
Fair Value, Inputs, Level 2 \| Loans held for sale, at the lower of cost or fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0
Fair Value, Inputs, Level 2 \| Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		0
Fair Value, Inputs, Level 2 \| Loans, net
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 \| Accrued interest receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	642	580
Fair Value, Inputs, Level 2 \| Noninterest-bearing and NOW deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	1,365,312	1,400,727
Fair Value, Inputs, Level 2 \| Money market accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	992,083	969,661
Fair Value, Inputs, Level 2 \| Savings accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	230,896	238,197
Fair Value, Inputs, Level 2 \| Certificates of deposit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	450,270	485,452
Fair Value, Inputs, Level 2 \| Other borrowings
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	130,000
Fair Value, Inputs, Level 2 \| Accrued interest payable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	358	80
Fair Value, Inputs, Level 3 \| Cash and interest-bearing deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 \| Commercial paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		0
Fair Value, Inputs, Level 3 \| Certificates of deposit in other banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 \| Securities available for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 \| Small Business Investment Company Funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	12,414	12,758
Fair Value, Inputs, Level 3 \| Loans held for sale, at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0
Fair Value, Inputs, Level 3 \| Loans held for sale, at the lower of cost or fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	74,917
Fair Value, Inputs, Level 3 \| Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		80,489
Fair Value, Inputs, Level 3 \| Loans, net
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	2,867,148	2,687,293
Fair Value, Inputs, Level 3 \| Accrued interest receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	10,434	7,969
Fair Value, Inputs, Level 3 \| Noninterest-bearing and NOW deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 \| Money market accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 \| Savings accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 \| Certificates of deposit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 \| Other borrowings
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0
Fair Value, Inputs, Level 3 \| Accrued interest payable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	0	0
Carrying Value \| Cash and interest-bearing deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	165,034	105,119
Carrying Value \| Commercial paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		194,427
Carrying Value \| Certificates of deposit in other banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	29,371	23,551
Carrying Value \| Securities available for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	147,942	126,978
Carrying Value \| FHLB Stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	13,661	9,326
Carrying Value \| Small Business Investment Company Funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	12,414	12,758
Carrying Value \| Loans held for sale, at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	518
Carrying Value \| Loans held for sale, at the lower of cost or fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	72,777
Carrying Value \| Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		79,307
Carrying Value \| Loans, net
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	2,946,764	2,734,605
Carrying Value \| Accrued interest receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	11,076	8,573
Carrying Value \| Noninterest-bearing and NOW deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	1,365,312	1,400,727
Carrying Value \| Money market accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	992,083	969,661
Carrying Value \| Savings accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	230,896	238,197
Carrying Value \| Certificates of deposit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	459,729	491,176
Carrying Value \| Other borrowings
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	130,000
Carrying Value \| Accrued interest payable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	358	80
Fair Value \| Cash and interest-bearing deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	165,034	105,119
Fair Value \| Commercial paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		194,427
Fair Value \| Certificates of deposit in other banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	29,371	23,551
Fair Value \| Securities available for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	147,942	126,978
Fair Value \| Small Business Investment Company Funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	12,414	12,758
Fair Value \| Loans held for sale, at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	518
Fair Value \| Loans held for sale, at the lower of cost or fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	74,917
Fair Value \| Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned		80,489
Fair Value \| Loans, net
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	2,867,148	2,687,293
Fair Value \| Accrued interest receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	11,076	8,573
Fair Value \| Noninterest-bearing and NOW deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	1,365,312	1,400,727
Fair Value \| Money market accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	992,083	969,661
Fair Value \| Savings accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	230,896	238,197
Fair Value \| Certificates of deposit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	450,270	485,452
Fair Value \| Other borrowings
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	130,000
Fair Value \| Accrued interest payable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Instruments Owned	$ 358	$ 80