Provident Financial (PROV) 10-Q 4 Nov 22 2023 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Sep. 30, 2022	Oct. 31, 2022
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Document Transition Report	false
Entity File Number	000-28304
Entity Registrant Name	PROVIDENT FINANCIAL HOLDINGS, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	33-0704889
Entity Address, Address Line One	3756 Central Avenue
Entity Address, City or Town	Riverside
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	92506
City Area Code	951
Local Phone Number	686-6060
Title of 12(g) Security	Common stock, par value $0.01 per share
Trading Symbol	PROV
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		7,202,636
Entity Central Index Key	0001010470
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
Amendment Flag	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Assets
Cash and cash equivalents	$ 38,701	$ 23,414
Investment securities - held to maturity, at cost	176,162	185,745
Investment securities - available for sale, at fair value	2,517	2,676
Loans held for investment, net of allowance for loan losses $5,638 and $5,564, respectively; includes $1,350 and $1,396 at fair value, respectively	993,942	939,992
Accrued interest receivable	3,054	2,966
Federal Home Loan Bank ("FHLB") - San Francisco stock	8,239	8,239
Premises and equipment, net	8,707	8,826
Prepaid expenses and other assets	14,593	15,180
Total assets	1,245,915	1,187,038
Liabilities:
Non interest-bearing deposits	123,314	125,089
Interest-bearing deposits	862,010	830,415
Total deposits	985,324	955,504
Borrowings	115,000	85,000
Accounts payable, accrued interest and other liabilities	16,402	17,884
Total liabilities	1,116,726	1,058,388
Commitments and Contingencies
Stockholders' equity:
Preferred stock, $0.01 par value (2,000,000 shares authorized; none issued and outstanding)
Common stock, $.01 par value; (40,000,000 and 40,000,000 shares authorized; 18,229,615 and 18,229,615 shares issued respectively; 7,235,560 and 7,285,184 outstanding, respectively)	183	183
Additional paid-in capital	98,559	98,826
Retained earnings	203,750	202,680
Treasury stock at cost (10,994,055 and 10,944,431 shares, respectively)	(173,286)	(173,041)
Accumulated other comprehensive income, net of tax	(17)	2
Total stockholders' equity	129,189	128,650
Total liabilities and stockholders' equity	$ 1,245,915	$ 1,187,038

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Condensed Consolidated Statements of Financial Condition
Allowance for loan losses on loans held for investment (in dollars)	$ 5,638	$ 5,564
Loans held for investment fair value (in dollars)	$ 1,350	$ 1,396
Preferred stock par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock shares authorized	2,000,000	2,000,000
Preferred stock shares issued	0	0
Preferred stock shares outstanding	0	0
Common stock par value (in dollars per share)	$ 0.01	$ 0.01
Common stock shares authorized	40,000,000	40,000,000
Common stock shares issued	18,229,615	18,229,615
Common stock shares outstanding	7,235,560	7,285,184
Treasury stock shares	10,994,055	10,944,431

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Interest income:
Loans receivable, net	$ 9,100	$ 8,175
Investment securities	536	418
FHLB - San Francisco stock	123	122
Interest-earning deposits	139	31
Total interest income	9,898	8,746
Interest expense:
Checking and money market deposits	60	57
Savings deposits	44	41
Time deposits	213	215
Borrowings	616	545
Total interest expense	933	858
Net interest income	8,965	7,888
Provision (recovery) for loan losses	70	(339)
Net interest income, after provision (recovery) for loan losses	8,895	8,227
Non-interest income:
Loan servicing and other fees	108	186
Other	171	166
Total non-interest income	1,003	1,069
Non-interest expense:
Salaries and employee benefits	4,139	3,120
Premises and occupancy	861	905
Equipment expense	311	288
Professional expense	592	461
Sales and marketing expense	147	142
Deposit insurance premium and regulatory assessments	135	137
Other	756	615
Total non-interest expense	6,941	5,668
Income before income taxes	2,957	3,628
Provision for income taxes	867	961
Net income	$ 2,090	$ 2,667
Basic earnings per share	$ 0.29	$ 0.35
Diluted earnings per share	$ 0.29	$ 0.35
Deposit account fees
Non-interest income:
Total non-interest income	$ 343	$ 312
Card and processing fees
Non-interest income:
Total non-interest income	$ 381	$ 405

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Condensed Consolidated Statements of Comprehensive Income
Net income	$ 2,090	$ 2,667
Change in unrealized holding losses on securities available for sale and interest-only strips	(27)	(9)
Other comprehensive loss, before income tax benefit	(27)	(9)
Income tax benefit	(8)	(3)
Other comprehensive loss	(19)	(6)
Total comprehensive income	$ 2,071	$ 2,661

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands		Common Stock	Additional Paid-In Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income (Loss), Net of Tax.	Total
Balance at Jun. 30, 2021		$ 183	$ 97,978	$ 197,733	$ (168,686)	$ 72	$ 127,280
Balance (in shares) at Jun. 30, 2021		7,541,469
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				2,667			2,667
Other comprehensive loss						(6)	(6)
Purchase of treasury stock					(851)		(851)
Purchase of treasury stock (in shares)		(49,764)
Amortization of restricted stock			189				189
Stock options expense			12				12
Cash dividends	[1]			(1,056)			(1,056)
Balance at Sep. 30, 2021		$ 183	98,179	199,344	(169,537)	66	128,235
Balance (in shares) at Sep. 30, 2021		7,491,705
Balance at Jun. 30, 2022		$ 183	98,826	202,680	(173,041)	2	$ 128,650
Balance (in shares) at Jun. 30, 2022		7,285,184					7,285,184
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				2,090			$ 2,090
Other comprehensive loss						(19)	(19)
Purchase of treasury stock					(724)		(724)
Purchase of treasury stock (in shares)		(49,624)
Awards of restricted stock			(479)		479
Amortization of restricted stock			197				197
Stock options expense			15				15
Cash dividends	[2]			(1,020)			(1,020)
Balance at Sep. 30, 2022		$ 183	$ 98,559	$ 203,750	$ (173,286)	$ (17)	$ 129,189
Balance (in shares) at Sep. 30, 2022		7,235,560					7,235,560
[1] Cash dividends of $0.14 per share were paid in the quarter ended September 30, 2021. Cash dividends of $0.14 per share were paid in the quarter ended September 30, 2022.

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Condensed Consolidated Statements of Stockholders' Equity
Cash dividends per share	$ 0.14	$ 0.14

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net income	$ 2,090	$ 2,667
Adjustments to reconcile net income to net cash provided by operating activities :
Depreciation and amortization	889	1,364
Provision (recovery) for loan losses	70	(339)
Stock-based compensation	212	201
Provision for deferred income taxes	383	261
Decrease in accounts payable, accrued interest and other liabilities	(1,492)	(66)
Decrease (increase) in prepaid expenses and other assets	110	(1,041)
Net cash provided by operating activities	2,262	3,047
Cash flows from investing activities:
Net increase in loans held for investment	(54,316)	(8,177)
Maturity of investment securities - held to maturity	200	200
Principal payments from investment securities - held to maturity	9,145	16,775
Principal payments from investment securities - available for sale	132	263
Purchase of premises and equipment	(212)	(8)
Net cash (used for) provided by investing activities	(45,051)	9,053
Cash flows from financing activities:
Net increase in deposits	29,820	18,769
Repayments of long-term borrowings	(20,000)	(10,983)
Proceeds from short-term borrowings, net	50,000	0
Treasury stock purchases	(724)	(851)
Cash dividends	(1,020)	(1,056)
Net cash provided by financing activities	58,076	5,879
Net increase in cash and cash equivalents	15,287	17,979
Cash and cash equivalents at beginning of period	23,414	70,270
Cash and cash equivalents at end of period	38,701	88,249
Supplemental information:
Cash paid for interest	835	861
Cash paid for income taxes	$ 0	$ 100

Basis of Presentation

Basis of Presentation	3 Months Ended
	Sep. 30, 2022
Basis of Presentation
Basis of Presentation	Note 1: Basis of Presentation The unaudited interim condensed consolidated financial statements included herein reflect all adjustments which are, in the opinion of management, necessary to present a fair statement of the results of operations for the interim periods presented. All such adjustments are of a normal, recurring nature. The condensed consolidated statement of financial condition at June 30, 2022 is derived from the audited consolidated financial statements of Provident Financial Holdings, Inc. and its wholly-owned subsidiary, Provident Savings Bank, F.S.B. (the "Bank") (collectively, the "Corporation"). Certain information and note disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP") have been omitted pursuant to the rules and regulations of the United States Securities and Exchange Commission ("SEC") with respect to interim financial reporting. It is recommended that these unaudited interim condensed consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s Annual Report on Form 10-K for the year ended June 30, 2022 (“2022 Annual Form 10-K”). The results of operations for the quarter ended September 30, 2022 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2023.

Accounting Standard Updates ("A

Accounting Standard Updates ("ASU")	3 Months Ended
	Sep. 30, 2022
Accounting Standard Updates ("ASU")
Accounting Standard Updates ("ASU")	Note 2: Accounting Standard Updates (“ASU”) There have been no accounting standard updates or changes in the status of their adoption that are material to the Corporation as previously disclosed in Note 1 of the Corporation's 2022 Annual Form 10-K, except the following: ASU 2016-13: In June 2016, the Financial Accounting Standards Board (“FASB”) issued ASU 2016-13, “Financial Instruments — Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,” and subsequent amendments to the initial guidance in November 2018, ASU No. 2018-19, April 2019, ASU 2019-04, May 2019, ASU 2019-05, November 2019, ASU 2019-11, February 2020, ASU 2020-02, March 2020, ASU 2020-03 and March 2022, ASU 2022-02, all of which clarifies codification and corrects unintended application of the guidance. In November 2019, the FASB also issued ASU 2019-10, “Financial Instruments — Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842): Effective Dates” extending the adoption date for certain registrants, including the Corporation. These ASUs related to Topic 326 will be effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. The Corporation is evaluating its current expected loss methodology of its loans held for investment and investment securities held to maturity to identify the necessary modifications in accordance with these standards and expects a change in the processes and procedures to calculate the allowance for loan losses, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. The Corporation has established a project team and implementation plan to address the key components to this process. The Corporation has determined its loan segmentation and compiled historical data, which is currently under evaluation. The Corporation is preparing to evaluate the appropriate methodologies for each loan grouping and is beginning testing, parallel runs, and sensitivity analysis on its initial modeling assumptions and results prior to the adoption date of July 1, 2023. The Corporation anticipates the allowance for loan credit losses for loans held for investment to increase through a one-time adjustment to retained earnings and is still evaluating the potential impact upon adoption that these ASUs will have on the Corporation’s Consolidated Financial Statements; however, until the evaluation is complete the magnitude of the potential increase will be unknown. ​ ​

Earnings Per Share

Earnings Per Share	3 Months Ended
	Sep. 30, 2022
Earnings Per Share
Earnings Per Share	Note 3: Earnings Per Share Basic earnings per share (“EPS”) excludes dilution and is computed by dividing income available to common shareholders by the weighted-average number of shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that would then share in the earnings of the Corporation. As of September 30, 2022 and 2021, there were outstanding options to purchase 461,000 shares and 417,000 shares of the Corporation’s common stock, respectively. Of those shares, as of September 30, 2022 and 2021, there were 461,000 shares and 116,000 shares, respectively, that were excluded from the diluted EPS computation as their effect was anti-dilutive. As of September 30, 2022 and 2021, there were outstanding restricted stock awards of 147,750 shares and 101,250 shares, respectively. The following table provides the basic and diluted EPS computations for the quarters ended September 30, 2022 and 2021, respectively. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended ​ ​ September 30, (In Thousands, Except Earnings Per Share) 2022 2021 Numerator: ​ ​ ​ ​ ​ ​ Net income – numerator for basic earnings per share and ​ ​ ​ ​ ​ ​ diluted earnings per share - available to common ​ ​ ​ ​ ​ ​ stockholders ​ $ 2,090 ​ $ 2,667 ​ ​ ​ ​ ​ ​ ​ Denominator: ​ ​ ​ ​ ​ ​ Denominator for basic earnings per share: ​ ​ ​ ​ ​ ​ Weighted-average shares ​ 7,273 ​ 7,530 ​ ​ ​ ​ ​ ​ ​ Effect of dilutive shares: ​ ​ ​ ​ ​ ​ Stock options ​ — ​ 42 Restricted stock ​ 37 ​ 3 ​ ​ ​ ​ ​ ​ ​ Denominator for diluted earnings per share: ​ ​ ​ ​ ​ ​ Adjusted weighted-average shares and assumed ​ ​ ​ ​ ​ ​ conversions ​ ​ 7,310 ​ ​ 7,575 ​ ​ ​ ​ ​ ​ ​ Basic earnings per share $ 0.29 $ 0.35 Diluted earnings per share $ 0.29 $ 0.35 ​

Investment Securities

Investment Securities	3 Months Ended
	Sep. 30, 2022
Investment Securities
Investment Securities	Note 4: Investment Securities The amortized cost and estimated fair value of investment securities as of September 30, 2022 and June 30, 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross Estimated ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Carrying September 30, 2022 ​ Cost ​ Gains ​ (Losses) ​ Value ​ Value (In Thousands) ​ ​ ​ ​ ​ Held to maturity ​ ​ ​ ​ ​ U.S. government sponsored enterprise MBS (1) ​ $ 171,331 ​ $ 6 ​ $ (21,346) ​ $ 149,991 ​ $ 171,331 U.S. government sponsored enterprise CMO (2) ​ ​ 3,911 ​ ​ — ​ ​ (317) ​ ​ 3,594 ​ ​ 3,911 U.S. SBA securities (3) ​ 720 ​ 1 ​ — ​ 721 ​ 720 Certificate of deposits ​ 200 ​ — ​ — ​ 200 ​ 200 Total investment securities - held to maturity ​ $ 176,162 ​ $ 7 ​ $ (21,663) ​ $ 154,506 ​ $ 176,162 ​ ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ ​ U.S. government agency MBS ​ $ 1,629 ​ $ — ​ $ (19) ​ $ 1,610 ​ $ 1,610 U.S. government sponsored enterprise MBS ​ ​ 808 ​ ​ 2 ​ ​ (10) ​ ​ 800 ​ 800 Private issue CMO ​ 112 ​ — ​ (5) ​ 107 ​ 107 Total investment securities - available for sale ​ $ 2,549 ​ $ 2 ​ $ (34) ​ $ 2,517 ​ $ 2,517 Total investment securities ​ $ 178,711 ​ $ 9 ​ $ (21,697) ​ $ 157,023 ​ $ 178,679 ​ (1) (2) (3) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross Estimated ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Carrying June 30, 2022 ​ Cost ​ Gains ​ (Losses) ​ Value ​ Value (In Thousands) ​ ​ ​ ​ ​ Held to maturity ​ ​ ​ ​ ​ U.S. government sponsored enterprise MBS ​ $ 180,492 ​ $ 63 ​ $ (13,945) ​ $ 166,610 ​ $ 180,492 U.S. government sponsored enterprise CMO ​ ​ 3,913 ​ ​ — ​ ​ (150) ​ ​ 3,763 ​ ​ 3,913 U.S. SBA securities ​ 940 ​ 11 ​ — ​ 951 ​ 940 Certificate of deposits ​ 400 ​ — ​ — ​ 400 ​ 400 Total investment securities - held to maturity ​ $ 185,745 ​ $ 74 ​ $ (14,095) ​ $ 171,724 ​ $ 185,745 ​ ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ ​ U.S. government agency MBS ​ $ 1,698 ​ $ 6 ​ $ (6) ​ $ 1,698 ​ $ 1,698 U.S. government sponsored enterprise MBS ​ 865 ​ 4 ​ (4) ​ 865 ​ 865 Private issue CMO ​ 118 ​ — ​ (5) ​ 113 ​ 113 Total investment securities - available for sale ​ $ 2,681 ​ $ 10 ​ $ (15) ​ $ 2,676 ​ $ 2,676 Total investment securities ​ $ 188,426 ​ $ 84 ​ $ (14,110) ​ $ 174,400 ​ $ 188,421 ​ In the first quarter of fiscal 2023 and 2022, the Corporation received MBS principal payments of $9.3 million and $17.0 million, respectively, and there were no sales of investment securities during these periods. The Corporation did not purchase or sell any investment securities in the first quarter of fiscal 2023 and 2022. ​ The Corporation held investments with an unrealized loss position of $21.7 million at September 30, 2022 and $14.1 million at June 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2022 ​ Unrealized Holding Losses ​ Unrealized Holding Losses ​ Unrealized Holding Losses (In Thousands) ​ Less Than 12 Months ​ 12 Months or More ​ Total ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized Description of Securities Value Losses Value Losses Value Losses Held to maturity ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. government sponsored enterprise MBS ​ $ 45,920 ​ $ 4,527 ​ $ 100,612 ​ $ 16,819 ​ $ 146,532 ​ $ 21,346 U.S. government sponsored enterprise CMO ​ ​ 3,594 ​ ​ 317 ​ ​ — ​ ​ — ​ ​ 3,594 ​ ​ 317 Total investment securities - held to maturity ​ $ 49,514 ​ $ 4,844 ​ $ 100,612 ​ $ 16,819 ​ $ 150,126 ​ $ 21,663 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S government agency MBS ​ $ 1,412 ​ $ 19 ​ $ — ​ $ — ​ $ 1,412 ​ $ 19 U.S. government sponsored enterprise MBS ​ ​ 659 ​ ​ 10 ​ ​ — ​ ​ — ​ ​ 659 ​ ​ 10 Private issue CMO ​ ​ 107 ​ ​ 5 ​ ​ — ​ ​ — ​ ​ 107 ​ ​ 5 Total investment securities - available for sale ​ $ 2,178 ​ $ 34 ​ $ — ​ $ — ​ $ 2,178 ​ $ 34 Total investment securities ​ $ 51,692 ​ $ 4,878 ​ ​ 100,612 ​ $ 16,819 ​ $ 152,304 ​ $ 21,697 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of June 30, 2022 ​ Unrealized Holding Losses ​ Unrealized Holding Losses ​ Unrealized Holding Losses (In Thousands) ​ Less Than 12 Months ​ 12 Months or More ​ Total ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized Description of Securities Value Losses Value Losses Value Losses Held to maturity ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. government sponsored enterprise MBS ​ $ 121,844 ​ $ 9,018 ​ $ 35,528 ​ $ 4,927 ​ $ 157,372 ​ $ 13,945 U.S. government sponsored enterprise CMO ​ ​ 3,764 ​ ​ 150 ​ ​ — ​ ​ — ​ ​ 3,764 ​ ​ 150 Total investment securities - held to maturity ​ $ 125,608 ​ $ 9,168 ​ $ 35,528 ​ $ 4,927 ​ $ 161,136 ​ $ 14,095 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S government agency MBS ​ $ 826 ​ $ 6 ​ $ — ​ $ — ​ $ 826 ​ $ 6 U.S. government sponsored enterprise MBS ​ ​ 671 ​ ​ 4 ​ ​ — ​ ​ — ​ ​ 671 ​ ​ 4 Private issue CMO ​ ​ 113 ​ ​ 5 ​ ​ — ​ ​ — ​ ​ 113 ​ ​ 5 Total investment securities - available for sale ​ $ 1,610 ​ $ 15 ​ $ — ​ $ — ​ $ 1,610 ​ $ 15 Total investment securities ​ $ 127,218 ​ $ 9,183 ​ $ 35,528 ​ $ 4,927 ​ $ 162,746 ​ $ 14,110 ​ The Corporation evaluates individual investment securities quarterly for other-than-temporary impairment in market value. At September 30, 2022, $16.8 million of the $21.7 million of unrealized holding losses were 12 months or more; while at June 30, 2022, $4.9 million of the $14.1 million of unrealized holding losses were 12 months or more. The unrealized losses on investment securities were attributable to changes in interest rates, relative to when the investment securities were purchased, and not due to the credit quality of the investment securities. At September 30, 2022 and 2021, the Corporation did not hold any investment securities with the intent to sell and determined it was more likely than not that the Corporation would not be required to sell the securities prior to recovery of the amortized cost basis; therefore, no impairment losses were recorded for the quarters ended September 30, 2022 and 2021. ​ Contractual maturities of investment securities as of September 30, 2022 and June 30, 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022 ​ June 30, 2022 ​ ​ ​ Estimated ​ ​ Estimated ​ ​ Amortized ​ Fair ​ Amortized ​ Fair (In Thousands) ​ Cost ​ Value ​ Cost ​ Value Held to maturity ​ ​ ​ ​ Due in one year or less ​ $ 1,212 ​ $ 1,205 ​ $ 1,427 ​ $ 1,425 Due after one through five years ​ 9,107 ​ 8,806 ​ 10,908 ​ 10,805 Due after five through ten years ​ 73,049 ​ 65,351 ​ 77,167 ​ 72,625 Due after ten years ​ 92,794 ​ 79,144 ​ 96,243 ​ 86,869 Total investment securities - held to maturity ​ $ 176,162 ​ $ 154,506 ​ $ 185,745 ​ $ 171,724 ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ Due in one year or less ​ $ — ​ $ — ​ $ — ​ $ — Due after one through five years ​ — ​ — ​ — ​ — Due after five through ten years ​ 202 ​ 200 ​ 98 ​ 98 Due after ten years ​ 2,347 ​ 2,317 ​ 2,583 ​ 2,578 Total investment securities - available for sale ​ $ 2,549 ​ $ 2,517 ​ $ 2,681 ​ $ 2,676 Total investment securities ​ $ 178,711 ​ $ 157,023 ​ $ 188,426 ​ $ 174,400 ​

Loans Held for Investment

Loans Held for Investment	3 Months Ended
	Sep. 30, 2022
Loans Held for Investment
Loans Held for Investment	Note 5: Loans Held for Investment Loans held for investment, net of fair value adjustments, consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, ​ June 30, ​ (In Thousands) ​ 2022 2022 ​ Mortgage loans: ​ ​ Single-family ​ $ 429,575 ​ $ 378,234 ​ Multi-family ​ 468,031 ​ 464,676 ​ Commercial real estate ​ 89,339 ​ 90,429 ​ Construction ​ 3,151 ​ 3,216 ​ Other ​ 118 ​ 123 ​ Commercial business loans ​ 1,117 ​ 1,206 ​ Consumer loans ​ 70 ​ 86 ​ Total loans held for investment, gross ​ 991,401 ​ 937,970 ​ ​ ​ ​ ​ ​ Advance payments of escrows ​ 20 ​ 47 ​ Deferred loan costs, net ​ 8,159 ​ 7,539 ​ Allowance for loan losses ​ (5,638) ​ (5,564) ​ Total loans held for investment, net ​ $ 993,942 ​ $ 939,992 ​ ​ ​ The following table sets forth information at September 30, 2022 regarding the dollar amount of loans held for investment that are contractually repricing during the periods indicated, segregated between adjustable rate loans and fixed rate loans. Fixed-rate loans comprised 11 percent of loans held for investment at both September 30, 2022 and June 30, 2022. Adjustable rate loans having no stated repricing dates that reprice when the index they are tied to reprices (e.g. prime rate index) and checking account overdrafts are reported as repricing within one year. The table does not include any estimate of prepayments which may cause the Corporation’s actual repricing experience to differ materially from that shown. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Adjustable Rate ​ ​ ​ ​ ​ ​ ​ ​ ​ After After After ​ ​ ​ ​ ​ ​ ​ Within ​ One Year ​ 3 Years ​ 5 Years ​ ​ ​ ​ ​ ​ (In Thousands) ​ One Year ​ Through 3 Years ​ Through 5 Years ​ Through 10 Years ​ Fixed Rate ​ Total Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ $ 51,772 ​ $ 22,388 ​ $ 37,305 ​ $ 211,503 ​ $ 106,607 ​ $ 429,575 Multi-family ​ 134,344 ​ 132,184 ​ 146,691 ​ 54,651 ​ 161 ​ 468,031 Commercial real estate ​ 44,631 ​ 20,582 ​ 22,803 ​ — ​ 1,323 ​ 89,339 Construction ​ 1,803 ​ — ​ — ​ — ​ 1,348 ​ 3,151 Other ​ — ​ — ​ — ​ — ​ 118 ​ 118 Commercial business loans ​ 1,049 ​ — ​ — ​ — ​ 68 ​ 1,117 Consumer loans ​ 70 ​ — ​ — ​ — ​ — ​ 70 Total loans held for investment, gross ​ $ 233,669 ​ $ 175,154 ​ $ 206,799 ​ $ 266,154 ​ $ 109,625 ​ $ 991,401 ​ The Corporation has developed an internal loan grading system to evaluate and quantify the Bank’s loans held for investment portfolio with respect to quality and risk. Management continually evaluates the credit quality of the Corporation’s loan portfolio and conducts a quarterly review of the adequacy of the allowance for loan losses using quantitative and qualitative methods. The Corporation has adopted an internal risk rating policy in which each loan is rated for credit quality with a rating of pass, special mention, substandard, doubtful or loss. The two primary components that are used during the loan review process to determine the proper allowance levels are individually evaluated allowances and collectively evaluated allowances. Quantitative loan loss factors are developed by determining the historical loss experience, expected future cash flows, discount rates and collateral fair values, among others. Qualitative loan loss factors are developed by assessing general economic indicators such as gross domestic product, retail sales, unemployment rates, employment growth, California home sales and median California home prices. The Corporation assigns individual factors for the quantitative and qualitative methods for each loan category and each internal risk rating. The Corporation categorizes all of the loans held for investment into risk categories based on relevant information about the ability of the borrower to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. A description of the general characteristics of the risk grades is as follows: ● Pass - These loans range from minimal credit risk to average, but still acceptable, credit risk. The likelihood of loss is considered remote. ● Special Mention - A special mention loan has potential weaknesses that may be temporary or, if left uncorrected, may result in a loss. While concerns exist, the bank is currently protected and loss is considered unlikely and not imminent. ● Substandard - A substandard loan is inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. ● Doubtful - A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable. ● Loss - A loss loan is considered uncollectible and of such little value that continuance as an asset of the institution is not warranted. ​ The following tables summarize gross loans held for investment, net of fair value adjustments, by loan types and risk category at the dates indicated: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ Commercial ​ ​ ​ ​ Other ​ Commercial ​ ​ ​ ​ ​ (In Thousands) Single-family Multi-family Real Estate Construction Mortgage Business Consumer Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 428,527 ​ $ 468,031 ​ $ 89,339 ​ $ 3,151 ​ $ 118 ​ $ 1,117 ​ $ 70 ​ $ 990,353 Special Mention ​ — ​ — ​ — ​ — ​ ​ — ​ — ​ — ​ — Substandard ​ 1,048 ​ — ​ — ​ — ​ ​ — ​ — ​ — ​ 1,048 Total loans held for investment, gross ​ $ 429,575 ​ $ 468,031 ​ $ 89,339 ​ $ 3,151 ​ $ 118 ​ $ 1,117 ​ $ 70 ​ $ 991,401 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ ​ ​ ​ ​ Commercial ​ ​ ​ Other ​ Commercial ​ ​ ​ ​ (In Thousands) ​ Single-family ​ Multi-family ​ Real Estate ​ Construction ​ ​ Mortgage ​ Business ​ Consumer ​ Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 376,502 ​ $ 464,676 ​ $ 90,429 ​ $ 3,216 ​ $ 123 ​ $ 1,206 ​ $ 86 ​ $ 936,238 Special Mention ​ 224 ​ — ​ — ​ — ​ ​ — ​ — ​ — ​ 224 Substandard ​ 1,508 ​ — ​ — ​ — ​ ​ — ​ — ​ — ​ 1,508 Total loans held for investment, gross ​ $ 378,234 ​ $ 464,676 ​ $ 90,429 ​ $ 3,216 ​ $ 123 ​ $ 1,206 ​ $ 86 ​ $ 937,970 ​ The allowance for loan losses is maintained at a level sufficient to provide for estimated losses based on evaluating known and inherent risks in the loans held for investment and upon management’s continuing analysis of the factors underlying the quality of the loans held for investment. These factors include changes in the size and composition of the loans held for investment, actual loan loss experience, current economic conditions, detailed analysis of individual loans for which full collectability may not be assured, and determination of the realizable value of the collateral securing the loans. The provision (recovery) for (from) the allowance for loan losses is charged (credited) against operations on a quarterly basis, as necessary, to maintain the allowance at appropriate levels. Although management believes it uses the best information available to make such determinations, there can be no assurance that regulators, in reviewing the Corporation’s loans held for investment, will not request a significant increase in its allowance for loan losses. Future adjustments to the allowance for loan losses may be necessary and results of operations could be significantly and adversely affected as a result of economic, operating, regulatory, and other conditions beyond the Corporation’s control. Non-performing loans are charged-off to their fair market values in the period the loans, or portion thereof, are deemed uncollectible, generally after the loan becomes 150 days delinquent for real estate secured first trust deed loans and 120 days delinquent for commercial business or real estate secured second trust deed loans. For loans that were modified from their original terms, were re-underwritten and identified in the Corporation’s asset quality reports as troubled debt restructurings (“restructured loans”), the charge-off occurs when the loan becomes 90 days delinquent; and where borrowers file bankruptcy, the charge-off occurs when the loan becomes 60 days delinquent. The amount of the charge-off is determined by comparing the loan balance to the estimated fair value of the underlying collateral, less disposition costs, with the loan balance in excess of the estimated fair value charged-off against the allowance for loan losses. The allowance for loan losses for non-performing loans is determined by applying ASC 310, “Receivables.” For restructured loans that are less than 90 days delinquent, the allowance for loan losses are segregated into (a) individually evaluated allowances for those loans with applicable discounted cash flow calculations still in their restructuring period, classified lower than pass, and containing an embedded loss component or (b) collectively evaluated allowances based on the aggregated pooling method. For non-performing loans less than 60 days delinquent where the borrower has filed bankruptcy, the collectively evaluated allowances are assigned based on the aggregated pooling method. For non-performing commercial real estate loans, an individually evaluated allowance is derived based on the loan's discounted cash flow fair value (for restructured loans) or collateral fair value less estimated selling costs and if the fair value is higher than the loan balance, no allowance is required. The following table is provided to disclose additional details for the periods indicated on the Corporation’s allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended ​ ​ September 30, ​ (Dollars in Thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ Allowance at beginning of period ​ $ 5,564 ​ $ 7,587 ​ ​ ​ ​ ​ ​ ​ ​ ​ Provision (recovery) for loan losses ​ 70 ​ (339) ​ ​ ​ ​ ​ ​ ​ ​ ​ Recoveries: ​ ​ ​ Mortgage loans: ​ ​ ​ Single-family ​ 4 ​ 165 ​ Total recoveries ​ 4 ​ 165 ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-offs: ​ ​ ​ Consumer loans ​ — ​ — ​ Total charge-offs ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ Net recoveries (charge-offs) ​ 4 ​ 165 ​ Balance at end of period ​ $ 5,638 ​ $ 7,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses as a percentage of gross loans held for investment at the end of the period ​ 0.57 % 0.86 % Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) ​ (0.00) % (0.08) % Allowance for loan losses as a percentage of gross non-performing loans at the end of the period ​ ​ 537.98 % ​ 102.11 % ​ The following tables denote the past due status of the Corporation's gross loans held for investment, net of fair value adjustments, at the dates indicated. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022 ​ ​ ​ ​ ​ 30-89 Days Past ​ ​ ​ ​ Total Loans Held for (In Thousands) Current Due Non-Accrual (1) Investment, Gross ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ $ 428,527 ​ $ — ​ $ 1,048 ​ $ 429,575 Multi-family ​ 468,031 ​ — ​ — ​ 468,031 Commercial real estate ​ 89,339 ​ — ​ — ​ 89,339 Construction ​ 3,151 ​ — ​ — ​ 3,151 Other ​ 118 ​ — ​ — ​ 118 Commercial business loans ​ 1,117 ​ — ​ — ​ 1,117 Consumer loans ​ 69 ​ 1 ​ — ​ 70 Total loans held for investment, gross ​ $ 990,352 ​ $ 1 ​ $ 1,048 ​ $ 991,401 ​ (1) All loans 90 days or greater past due are placed on non-accrual status. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ ​ ​ 30-89 Days Past ​ ​ Total Loans Held for (In Thousands) ​ Current ​ Due ​ Non-Accrual (1) ​ Investment, Gross ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ $ 376,726 ​ $ — ​ $ 1,508 ​ $ 378,234 Multi-family ​ 464,676 ​ — ​ — ​ 464,676 Commercial real estate ​ 90,429 ​ — ​ — ​ 90,429 Construction ​ 3,216 ​ — ​ — ​ 3,216 Other ​ ​ 123 ​ — ​ — ​ 123 Commercial business loans ​ 1,206 ​ — ​ — ​ 1,206 Consumer loans ​ 83 ​ 3 ​ — ​ 86 Total loans held for investment, gross ​ $ 936,459 ​ $ 3 ​ $ 1,508 ​ $ 937,970 ​ (1) All loans 90 days or greater past due are placed on non-accrual status. The following tables summarize the Corporation’s allowance for loan losses and recorded investment in gross loans, by portfolio type, at the dates and for the periods indicated. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended September 30, 2022 ​ ​ Single- ​ Multi- ​ Commercial ​ ​ ​ ​ ​ ​ ​ Commercial ​ ​ ​ ​ ​ ​ ​ (In Thousands) family family Real Estate ​ Construction ​ Other Business ​ Consumer ​ Total ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ Allowance at beginning of period ​ $ 1,383 ​ $ 3,282 ​ $ 816 ​ $ 23 ​ $ 3 ​ $ 52 ​ $ 5 ​ $ 5,564 ​ Provision (recovery) for loan losses ​ 63 ​ 23 ​ (10) ​ (1) ​ — ​ (4) ​ (1) ​ 70 ​ Recoveries ​ 4 ​ — ​ — ​ — ​ — ​ — ​ — ​ 4 ​ Charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ Allowance for loan losses, end of period ​ $ 1,450 ​ $ 3,305 ​ $ 806 ​ $ 22 ​ $ 3 ​ $ 48 ​ $ 4 ​ $ 5,638 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 38 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 38 ​ Collectively evaluated for impairment ​ 1,412 ​ 3,305 ​ 806 ​ 22 ​ 3 ​ 48 ​ 4 ​ 5,600 ​ Allowance for loan losses, end of period ​ $ 1,450 ​ $ 3,305 ​ $ 806 ​ $ 22 ​ $ 3 ​ $ 48 ​ $ 4 ​ $ 5,638 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 819 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 819 ​ Collectively evaluated for impairment ​ 428,756 ​ 468,031 ​ 89,339 ​ 3,151 ​ 118 ​ 1,117 ​ 70 ​ 990,582 ​ Total loans held for investment, gross ​ $ 429,575 ​ $ 468,031 ​ $ 89,339 ​ $ 3,151 ​ $ 118 ​ $ 1,117 ​ $ 70 ​ $ 991,401 ​ Allowance for loan losses as a percentage of gross loans held for investment ​ 0.34 % 0.71 % 0.90 % 0.70 % 2.54 % 4.30 % 5.71 % 0.57 % Net (recoveries) charge-offs to average loans receivable, net during the period ​ ​ (0.00) % ​ — % ​ — % ​ — % ​ — % ​ — % ​ — % ​ (0.00) % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended September 30, 2021 ​ ​ ​ Single- ​ Multi- ​ Commercial ​ ​ ​ ​ ​ ​ ​ Commercial ​ ​ ​ ​ ​ ​ ​ (In Thousands) family family Real Estate ​ Construction ​ Other Business ​ Consumer ​ Total ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance at beginning of period ​ $ 2,000 ​ $ 4,485 ​ $ 1,006 ​ $ 51 ​ $ 3 ​ $ 36 ​ $ 6 ​ $ 7,587 ​ (Recovery) provision for loan losses ​ (338) ​ 40 ​ (39) ​ (2) ​ — ​ 1 ​ (1) ​ (339) ​ Recoveries ​ 165 ​ — ​ — ​ — ​ — ​ — ​ — ​ 165 ​ Charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ Allowance for loan losses, end of period ​ $ 1,827 ​ $ 4,525 ​ $ 967 ​ $ 49 ​ $ 3 ​ $ 37 ​ $ 5 ​ $ 7,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 260 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 260 ​ Collectively evaluated for impairment ​ 1,567 ​ 4,525 ​ 967 ​ 49 ​ 3 ​ 37 ​ 5 ​ 7,153 ​ Allowance for loan losses, end of period ​ $ 1,827 ​ $ 4,525 ​ $ 967 ​ $ 49 ​ $ 3 ​ $ 37 ​ $ 5 ​ $ 7,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment: ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 5,894 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 5,894 ​ Collectively evaluated for impairment ​ 269,076 ​ 489,550 ​ 91,779 ​ 2,574 ​ 137 ​ 865 ​ 84 ​ 854,065 ​ Total loans held for investment, gross ​ $ 274,970 ​ $ 489,550 ​ $ 91,779 ​ $ 2,574 ​ $ 137 ​ $ 865 ​ $ 84 ​ $ 859,959 ​ Allowance for loan losses as a percentage of gross loans held for investment ​ 0.66 % 0.92 % 1.05 % 1.90 % 2.19 % 4.28 % 5.95 % 0.86 % Net (recoveries) charge-offs to average loans receivable, net during the period ​ ​ (0.25) % ​ — % ​ — % ​ — % ​ — % ​ — % ​ — % ​ (0.08) % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ The following tables identify the Corporation’s total recorded investment in non-performing loans by type at the dates and for the periods indicated. Generally, a loan is placed on non-accrual status when it becomes 90 days past due as to principal or interest or if the loan is deemed impaired, after considering economic and business conditions and collection efforts, where the borrower’s financial condition is such that collection of the contractual principal or interest on the loan is doubtful. In addition, interest income is not recognized on any loan where management has determined that collection is not reasonably assured. A non-performing loan may be restored to accrual status when delinquent principal and interest payments are brought current, the borrower(s) has demonstrated sustained payment performance and future monthly principal and interest payments are expected to be collected on a timely basis. Loans with a related allowance reserve have been individually evaluated for impairment using either a discounted cash flow analysis or, for collateral dependent loans, current appraisals less costs to sell, to establish realizable value. This analysis may identify a specific impairment amount needed or may conclude that no reserve is needed. Loans that are not individually evaluated for impairment are included in pools of homogeneous loans for evaluation of related allowance reserves. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2022 ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ Net ​ ​ Principal ​ Related ​ Recorded ​ ​ ​ Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family: ​ ​ ​ ​ ​ With a related allowance ​ $ 988 ​ $ — ​ $ 988 ​ $ (84) ​ $ 904 Without a related allowance (2) ​ 89 ​ (29) ​ 60 ​ — ​ 60 Total single-family loans ​ 1,077 ​ (29) ​ 1,048 ​ (84) ​ 964 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total non-performing loans ​ $ 1,077 ​ $ (29) ​ $ 1,048 ​ $ (84) ​ $ 964 ​ (1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30, 2022 ​ ​ Unpaid ​ Related ​ ​ ​ ​ ​ Net ​ ​ Principal ​ Charge-offs ​ Recorded ​ ​ ​ Recorded (In Thousands) Balance Related Investment Allowance (1) Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ Single-family: ​ ​ ​ ​ ​ With a related allowance ​ $ 993 ​ $ — ​ $ 993 ​ $ (85) ​ $ 908 Without a related allowance (2) ​ 548 ​ (33) ​ 515 ​ — ​ 515 Total single-family loans ​ 1,541 ​ (33) ​ 1,508 ​ (85) ​ 1,423 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total non-performing loans ​ $ 1,541 ​ $ (33) ​ $ 1,508 ​ $ (85) ​ $ 1,423 ​ (1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance. At September 30, 2022, there were no commitments to lend additional funds to those borrowers whose loans were classified as non-performing. For the quarters ended September 30, 2022 and 2021, the Corporation’s average recorded investment in non-performing loans was $1.1 million and $7.8 million, respectively. The Corporation records payments on non-performing loans utilizing the cash basis or cost recovery method of accounting during the periods when the loans are on non-performing status. For the quarter ended September 30, 2022, the Bank received $7,000 in interest payments from non-performing loans, of which $5,000 was recognized as interest income and the remaining $2,000 was applied to reduce the loan balances under the cost recovery method. In comparison, for the quarter ended September 30, 2021, the Bank received $211,000 in interest payments from non-performing loans, of which $202,000 was recognized as interest income and the remaining $9,000 was applied to reduce the loan balances under the cost recovery method. ​ The following tables present the average recorded investment in non-performing loans and the related interest income recognized for the quarters ended September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended September 30, ​ ​ 2022 ​ 2021 ​ ​ ​ Average ​ Interest ​ Average ​ Interest ​ ​ ​ Recorded ​ Income ​ Recorded ​ Income (In Thousands) ​ Investment Recognized Investment Recognized Without related allowances: ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ $ 127 ​ $ — ​ $ 817 $ 140 ​ 127 ​ — ​ 817 140 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ With related allowances: ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ 991 ​ 5 ​ 5,827 47 Multi-family ​ — ​ — ​ 1,114 15 ​ 991 ​ 5 ​ 6,941 62 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,118 ​ $ 5 ​ $ 7,758 $ 202 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the quarter ended September 30, 2022, no loans were restructured, three loans were upgraded to the pass category, while one restructured loan was paid off. For the quarter ended September 30, 2021, one loan was paid off. During both quarters ended September 30, 2022 and 2021, no restructured loans were in default within a 12-month period subsequent to their original restructuring. As of September 30, 2022, the Corporation held nine restructured loans with a net outstanding balance of $2.6 million, of which one loan totaling $721,000 was classified as substandard and on non-accrual status. As of June 30, 2022, the Corporation held 13 restructured loans with a net outstanding balance of $4.5 million, of which one loan totaling $722,000 was classified as substandard on non-accrual status. As of September 30, 2022, a total of $1.9 million or 73% of the restructured loans were current with respect to their modified payment terms, as compared to June 30, 2022 when all $4.5 million or 100% of the restructured loans were current with respect to their modified payment terms. The Corporation upgrades restructured single-family loans to the pass category if the borrower has demonstrated satisfactory contractual payments for at least six consecutive months; 12 months for those loans that were restructured more than once; and if the borrower has demonstrated satisfactory contractual payments beyond 12 consecutive months, the loan is no longer categorized as a restructured loan. In addition to the payment history described above, multi-family, commercial real estate, construction and commercial business loans must also demonstrate a combination of the following characteristics to be upgraded: satisfactory cash flow, satisfactory guarantor support, and additional collateral support, among others. To qualify for restructuring, a borrower must provide evidence of their creditworthiness such as, current financial statements, their most recent income tax returns, current paystubs, current W-2s, and most recent bank statements, among other documents, which are then verified by the Corporation. The Corporation re-underwrites the loan with the borrower’s updated financial information, new credit report, current loan balance, new interest rate, remaining loan term, updated property value and modified payment schedule, among other considerations, to determine if the borrower qualifies. The following table summarizes at the dates indicated the restructured loan balances, net of allowance for loan losses, by loan type: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At ​ At (In Thousands) ​ September 30, 2022 ​ June 30, 2022 ​ Restructured loans on non-accrual status: ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ Single-family ​ $ 721 ​ $ 722 ​ Total ​ 721 ​ 722 ​ ​ ​ ​ ​ ​ ​ ​ ​ Restructured loans on accrual status: ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ Single-family ​ 1,906 ​ 3,748 ​ Total ​ 1,906 ​ 3,748 ​ Total restructured loans ​ $ 2,627 ​ $ 4,470 ​ ​ The following tables identify the Corporation’s total recorded investment in restructured loans by type at the dates and for the periods indicated. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2022 ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net ​ ​ Principal ​ Related ​ Recorded ​ ​ ​ ​ Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ With a related allowance ​ $ 759 ​ $ — ​ $ 759 ​ $ (38) ​ $ 721 Without a related allowance (2) ​ 1,906 ​ — ​ 1,906 ​ — ​ 1,906 Total single-family ​ 2,665 ​ — ​ 2,665 ​ (38) ​ 2,627 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total restructured loans ​ $ 2,665 ​ $ — ​ $ 2,665 ​ $ (38) ​ $ 2,627 ​ (1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30, 2022 ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net ​ ​ Principal ​ Related ​ Recorded ​ ​ ​ ​ Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ Single-family: ​ ​ ​ ​ ​ With a related allowance ​ $ 760 ​ $ — ​ $ 760 ​ $ (38) ​ $ 722 Without a related allowance (2) ​ 3,748 ​ — ​ 3,748 ​ — ​ 3,748 Total single-family ​ 4,508 ​ — ​ 4,508 ​ (38) ​ 4,470 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total restructured loans ​ $ 4,508 ​ $ — ​ $ 4,508 ​ $ (38) ​ $ 4,470 ​ (1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance. During the quarters ended September 30, 2022 and 2021, no properties were acquired in the settlement of loans and no previously foreclosed upon properties were sold. As of both September 30, 2022 and June 30, 2022, there was no real estate owned property. A new appraisal is obtained on each of the properties at the time of foreclosure and fair value is derived by using the lower of the appraised value or the listing price of the property, net of selling costs. Any initial loss is recorded as a charge to the allowance for loan losses before being transferred to real estate owned. Subsequent to transfer to real estate owned, if there is further deterioration in real estate values, specific real estate owned loss reserves are established and charged to the condensed consolidated statements of operations. In addition, the Corporation records costs to carry real estate owned as real estate owned operating expenses as incurred.

Derivative and Other Financial

Derivative and Other Financial Instruments with Off-Balance Sheet Risks	3 Months Ended
	Sep. 30, 2022
Derivative and Other Financial Instruments with Off-Balance Sheet Risks
Derivative and Other Financial Instruments with Off-Balance Sheet Risks	Note 6: Derivative and Other Financial Instruments with Off-Balance Sheet Risks The Corporation is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit in the form of originating loans or providing funds under existing lines of credit, loan sale commitments to third parties and option contracts. These instruments involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the accompanying Condensed Consolidated Statements of Financial Condition. The Corporation’s exposure to credit loss, in the event of non-performance by the counterparty to these financial instruments, is represented by the contractual amount of these instruments. The Corporation uses the same credit policies in entering into financial instruments with off-balance sheet risk as it does for on-balance sheet instruments. As of September 30, 2022 and June 30, 2022, the Corporation had commitments to extend credit on loans to be held for investment of $47.4 million and $43.4 million, respectively. The following table provides information at the dates indicated regarding undisbursed funds on construction loans, undisbursed funds to borrowers on existing lines of credit with the Corporation as well as commitments to originate loans to be held for investment at the dates indicated below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commitments ​ September 30, 2022 ​ June 30, 2022 ​ (In Thousands) ​ ​ Undisbursed loan funds – Construction loans ​ $ 2,776 ​ $ 3,384 ​ Undisbursed lines of credit – Commercial business loans ​ 541 ​ 541 ​ Undisbursed lines of credit – Consumer loans ​ 386 ​ 390 ​ Commitments to extend credit on loans to be held for investment ​ 47,427 ​ 43,386 ​ Total ​ $ 51,130 ​ $ 47,701 ​ ​ The following table provides information regarding the allowance for loan losses for the undisbursed funds and commitments to extend credit on loans to be held for investment for the quarters ended September 30, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended ​ ​ ​ September 30, ​ (In Thousands) 2022 2021 Balance, beginning of the period ​ $ 130 ​ $ 127 ​ Provision (recovery) ​ 7 ​ (23) ​ Balance, end of the period ​ $ 137 ​ $ 104 ​ ​ In accordance with ASC 815, “Derivatives and Hedging,” and interpretations of the Derivatives Implementation Group of the Financial Accounting Standards Board (”FASB”), the fair value of the commitments to extend credit on loans to be held for sale, loan sale commitments, to be announced (“TBA”) MBS trades, put option contracts and call option contracts are recorded at fair value on the Condensed Consolidated Statements of Financial Condition. The Corporation does not apply hedge accounting to its derivative financial instruments; therefore, all changes in fair value are recorded in earnings. As of September 30, 2022 and June 30, 2022, there were no outstanding derivative financial instruments. Loans previously sold to the FHLB – San Francisco under the Mortgage Partnership Finance (“MPF”) program have a recourse liability. The FHLB – San Francisco absorbs the first four basis points of loss by establishing a first loss account and a credit scoring process is used to calculate the maximum recourse amount for the Bank. All losses above the Bank’s maximum recourse amount are the responsibility of the FHLB – San Francisco. The FHLB – San Francisco pays the Bank a credit enhancement fee on a monthly basis to compensate the Bank for accepting the recourse obligation. As of September 30, 2022 and June 30, 2022, the Bank serviced $4.0 million and $4.1 million of loans under this program, respectively, and has established a recourse liability of $10,500 at both dates. Occasionally, the Bank is required to repurchase loans sold to Freddie Mac, Fannie Mae or other investors if it is determined that such loans do not meet the credit requirements of the investor, or if one of the parties involved in the loan misrepresented pertinent facts, committed fraud, or if such loans were 90-days past due within 120 days of the loan funding date. During the quarters ended September 30, 2022 and 2021, the Bank did not repurchase any loans or settle any request to repurchase a loan. In addition to the specific recourse liability for the MPF program, the Bank established a recourse liability of $150,000 for loans sold to other investors at both September 30, 2022 and June 30, 2022. The following table shows the summary of the recourse liability for the quarters ended September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended ​ ​ September 30, ​ Recourse Liability 2022 2021 (In Thousands) ​ ​ ​ ​ ​ ​ ​ Balance, beginning of the period ​ $ 160 ​ $ 200 ​ Provision for recourse liability ​ — ​ — ​ Net settlements in lieu of loan repurchases ​ — ​ — ​ Balance, end of the period ​ $ 160 ​ $ 200 ​ ​

Fair Value of Financial Instrum

Fair Value of Financial Instruments	3 Months Ended
	Sep. 30, 2022
Fair Value of Financial Instruments
Fair Value of Financial Instruments	Note 7: Fair Value of Financial Instruments The Corporation adopted ASC 820, “Fair Value Measurements and Disclosures,” and elected the fair value option pursuant to ASC 825, “Financial Instruments.” ASC 820 defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements. ASC 825 permits entities to elect to measure many financial instruments and certain other assets and liabilities at fair value on an instrument-by-instrument basis (the “Fair Value Option”) at specified election dates. At each subsequent reporting date, an entity is required to report unrealized gains and losses on items in earnings for which the fair value option has been elected. The objective of the Fair Value Option is to improve financial reporting by providing entities with the opportunity to mitigate volatility in reported earnings caused by measuring related assets and liabilities differently without having to apply complex hedge accounting provisions. The following table describes the difference at the dates indicated between the aggregate fair value and the aggregate unpaid principal balance of loans held for investment at fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ Net ​ ​ Aggregate ​ Principal ​ Unrealized (In Thousands) Fair Value Balance Loss As of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, at fair value ​ $ 1,350 ​ $ 1,549 ​ $ (199) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of June 30, 2022: ​ ​ ​ Loans held for investment, at fair value ​ $ 1,396 ​ $ 1,569 ​ $ (173) ​ ASC 820-10-65-4, “Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly,” provides additional guidance for estimating fair value in accordance with ASC 820, “Fair Value Measurements,” when the volume and level of activity for the asset or liability have significantly decreased. ASC 820 establishes a three-level valuation hierarchy that prioritizes inputs to valuation techniques used in fair value calculations. The three levels of inputs are defined as follows: Level 1 - Unadjusted quoted prices in active markets for identical assets or liabilities that the Corporation has the ability to access at the measurement date. Level 2 - Observable inputs other than Level 1 such as: quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or other inputs that are observable or can be corroborated to observable market data for substantially the full term of the asset or liability. Level 3 - Unobservable inputs for the asset or liability that use significant assumptions, including assumptions of risks. These unobservable assumptions reflect the Corporation’s estimate of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include the use of pricing models, discounted cash flow models and similar techniques. ​ ASC 820 requires the Corporation to maximize the use of observable inputs and minimize the use of unobservable inputs. If a financial instrument uses inputs that fall in different levels of the hierarchy, the instrument will be categorized based upon the lowest level of input that is significant to the fair value calculation. The Corporation’s financial assets and liabilities measured at fair value on a recurring basis consist of investment securities available for sale, loans held for investment at fair value and interest-only strips; while non-performing loans, mortgage servicing assets ("MSA") and real estate owned, if any, are measured at fair value on a nonrecurring basis. Investment securities - available for sale are primarily comprised of U.S. government agency MBS, U.S. government sponsored enterprise MBS and privately issued CMO. The Corporation utilizes quoted prices in active markets for similar securities for its fair value measurement of MBS (Level 2) and broker price indications for similar securities in non-active markets for its fair value measurement of the CMO (Level 3). Loans held for investment at fair value are primarily single-family loans which have been transferred from loans held for sale. The fair value is determined by the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan (Level 3). Non-performing loans are loans which are inadequately protected by the current sound worth and paying capacity of the borrowers or of the collateral pledged. The non-performing loans are characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. The fair value of a non-performing loan is determined based on an observable market price or current appraised value of the underlying collateral. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the borrower. For non-performing loans which are restructured loans, the fair value is derived from discounted cash flow analysis (Level 3), except those which are in the process of foreclosure or 90 days delinquent for which the fair value is derived from the appraised value of its collateral (Level 2). For other non-performing loans which are not restructured loans, other than non-performing commercial real estate loans, the fair value is derived from relative value analysis: historical experience and management estimates by loan type for which collectively evaluated allowances are assigned (Level 3); or the appraised value of its collateral for loans which are in the process of foreclosure or where borrowers file bankruptcy (Level 2). For non-performing commercial real estate loans, the fair value is derived from the appraised value of its collateral (Level 2). Non-performing loans are reviewed and evaluated on at least a quarterly basis for additional allowance and adjusted accordingly, based on the same factors identified above. This loss is not recorded directly as an adjustment to current earnings or other comprehensive income (loss), but rather as a component in determining the overall adequacy of the allowance for loan losses. These adjustments to the estimated fair value of non-performing loans may result in increases or decreases to the provision for loan losses recorded in current earnings. The Corporation uses the amortization method for its MSA, which amortizes the MSA in proportion to and over the period of estimated net servicing income and assesses the MSA for impairment based on fair value at each reporting date. The fair value of the MSA is derived using the present value method; which includes a third party’s prepayment projections of similar instruments, weighted-average coupon rates, estimated servicing costs and discount interest rates (Level 3). The rights to future income from serviced loans that exceed contractually specified servicing fees are recorded as interest-only strips. The fair value of interest-only strips is derived using the same assumptions that are used to value the related MSA (Level 3). The Corporation’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Corporation’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. The following fair value hierarchy tables present information at the dates indicated about the Corporation’s assets and liabilities measured at fair value on a recurring basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurement at September 30, 2022 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investment securities - available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. government agency MBS ​ $ — ​ $ 1,610 ​ $ — ​ $ 1,610 U.S. government sponsored enterprise MBS ​ — ​ 800 ​ — ​ 800 Private issue CMO ​ — ​ — ​ 107 ​ 107 Investment securities - available for sale ​ — ​ 2,410 ​ 107 ​ 2,517 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, at fair value ​ — ​ — ​ 1,350 ​ 1,350 Interest-only strips ​ — ​ — ​ 7 ​ 7 Total assets ​ $ — ​ $ 2,410 ​ $ 1,464 ​ $ 3,874 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ $ — ​ $ — ​ $ — ​ $ — Total liabilities ​ $ — ​ $ — ​ $ — ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurement at June 30, 2022 Using: (In Thousands) ​ Level 1 ​ ​ Level 2 ​ Level 3 ​ Total Assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investment securities - available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. government agency MBS ​ $ — ​ $ 1,698 ​ $ — ​ $ 1,698 U.S. government sponsored enterprise MBS ​ — ​ 865 ​ — ​ 865 Private issue CMO ​ — ​ — ​ 113 ​ 113 Investment securities - available for sale ​ — ​ 2,563 ​ 113 ​ 2,676 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, at fair value ​ — ​ — ​ 1,396 ​ 1,396 Interest-only strips ​ — ​ — ​ 7 ​ 7 Total assets ​ $ — ​ $ 2,563 ​ $ 1,516 ​ $ 4,079 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ $ — ​ $ — ​ $ — ​ $ — Total liabilities ​ $ — ​ $ — ​ $ — ​ $ — ​ The following tables summarize reconciliations of the beginning and ending balances during the periods shown of recurring fair value measurements recognized in the Condensed Consolidated Statements of Financial Condition using Level 3 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended September 30, 2022 ​ ​ Fair Value Measurement ​ ​ Using Significant Other Unobservable Inputs ​ ​ (Level 3) ​ ​ Private ​ Loans Held For ​ Interest- ​ ​ ​ ​ Issue ​ Investment, at ​ Only ​ ​ (In Thousands) CMO fair value (1) Strips Total Beginning balance at June 30, 2022 ​ $ 113 ​ $ 1,396 ​ $ 7 ​ $ 1,516 Total gains or losses (realized/unrealized): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Included in earnings ​ — ​ (26) ​ — ​ (26) Included in other comprehensive income (loss) ​ (1) ​ — ​ — ​ (1) Purchases ​ — ​ — ​ — ​ — Issuances ​ — ​ — ​ — ​ — Settlements ​ (5) ​ (20) ​ — ​ (25) Transfers in and/or out of Level 3 ​ — ​ — ​ — ​ — Ending balance at September 30, 2022 ​ $ 107 ​ $ 1,350 ​ $ 7 ​ $ 1,464 ​ (1) The valuation of loans held for investment at fair value includes management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended September 30, 2021 ​ ​ Fair Value Measurement ​ ​ Using Significant Other Unobservable Inputs ​ ​ (Level 3) ​ ​ Private ​ Loans Held For ​ Interest- ​ ​ ​ ​ Issue ​ Investment, at ​ Only ​ ​ (In Thousands) CMO fair value Strips Total Beginning balance at June 30, 2021 ​ $ 154 ​ $ 1,874 ​ $ 10 ​ $ 2,038 Total gains or losses (realized/unrealized): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Included in earnings ​ — ​ 2 ​ — ​ 2 Included in other comprehensive income (loss) ​ 1 ​ — ​ (1) ​ — Purchases ​ — ​ — ​ — ​ — Issuances ​ — ​ — ​ — ​ — Settlements ​ (5) ​ (299) ​ — ​ (304) Transfers in and/or out of Level 3 ​ — ​ — ​ — ​ — Ending balance at September 30, 2021 ​ $ 150 ​ $ 1,577 ​ $ 9 ​ $ 1,736 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ The following fair value hierarchy tables present information about the Corporation’s assets measured at fair value at the dates indicated on a nonrecurring basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurement at September 30, 2022 Using: (In Thousands) Level 1 Level 2 Level 3 Total Non-performing loans ​ $ — ​ $ 60 ​ $ 904 ​ $ 964 Mortgage servicing assets ​ — ​ — ​ 103 ​ 103 Total ​ $ — ​ $ 60 ​ $ 1,007 ​ $ 1,067 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurement at June 30, 2022 Using: (In Thousands) ​ Level 1 ​ Level 2 ​ Level 3 ​ Total Non-performing loans $ — ​ $ 515 ​ $ 908 ​ $ 1,423 Mortgage servicing assets ​ — ​ — ​ 168 ​ 168 Total ​ $ — ​ $ 515 ​ $ 1,076 ​ $ 1,591 ​ The following table presents additional information about valuation techniques and inputs used for assets and liabilities, which are measured at fair value and categorized within Level 3 as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Impact to ​ ​ Fair Value ​ ​ ​ ​ ​ ​ ​ Valuation ​ ​ As of ​ ​ ​ ​ ​ ​ ​ from an ​ ​ September 30, ​ Valuation ​ ​ ​ Range (1) ​ Increase in (Dollars In Thousands) 2022 Techniques Unobservable Inputs (Weighted Average) Inputs (2) Assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities available-for sale: Private issue CMO ​ $ 107 Market comparable pricing Comparability adjustment (4.3%) - (5.1%) (4.9%) Increase ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, at fair value ​ $ 1,350 Relative value analysis Broker quotes 87.1% - 98.0% (90.4%) Increase ​ ​ ​ ​ ​ ​ ​ Credit risk factor 1.2% - 6.6% (3.3%) ​ Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-performing loans (3) ​ $ 720 Discounted cash flow Default rates 5.0% ​ Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-performing loans (4) ​ $ 184 Relative value analysis Credit risk factor 20.0% Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage servicing assets ​ $ 103 Discounted cash flow Prepayment speed (CPR) 4.3% - 60.0% (10.4%) Decrease ​ ​ ​ ​ ​ ​ Discount rate 9.0% - 10.5% (9.1%) Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest-only strips ​ $ 7 Discounted cash flow Prepayment speed (CPR) 7.8% - 28.9% (27.6%) ​ Decrease ​ ​ ​ ​ ​ ​ Discount rate 9.0% Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ None ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (1) The range is based on the historical estimated fair values and management estimates. (2) Unless otherwise noted, this column represents the directional change in the fair value of the Level 3 asset or liability instruments that would result from an increase to the corresponding unobservable input. A decrease to the unobservable input would have the opposite effect. Significant changes in these inputs in isolation could result in significantly higher or lower fair value measurements. (3) Consists of restructured loans . (4) Consists of other non-performing loans, excluding restructured loans. ​ ​ The significant unobservable inputs used in the fair value measurement of the Corporation’s assets and liabilities include the following: prepayment speeds, discount rates and broker quotes, among others. Significant increases or decreases in any of these inputs in isolation could result in significantly lower or higher fair value measurement. The various unobservable inputs used to determine valuations may have similar or diverging impacts on valuation. The carrying amount and fair value of the Corporation’s other financial instruments as of September 30, 2022 and June 30, 2022 was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022 ​ ​ Carrying ​ Fair ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Amount Value Level 1 Level 2 Level 3 Financial assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, not recorded at fair value ​ $ 992,592 ​ $ 921,980 ​ $ — ​ $ — ​ $ 921,980 Investment securities - held to maturity ​ $ 176,162 ​ $ 154,506 ​ $ — ​ $ 154,506 ​ $ — FHLB – San Francisco stock ​ $ 8,239 ​ $ 8,239 ​ $ — ​ $ 8,239 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ $ 985,324 ​ $ 868,587 ​ $ — ​ $ — ​ $ 868,587 Borrowings ​ $ 115,000 ​ $ 113,320 ​ $ — ​ $ — ​ $ 113,320 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ ​ Carrying ​ Fair ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Amount Value Level 1 Level 2 Level 3 Financial assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, not recorded at fair value ​ $ 938,596 ​ $ 892,339 ​ $ — ​ $ — ​ $ 892,339 Investment securities - held to maturity ​ $ 185,745 ​ $ 171,724 ​ $ — ​ $ 171,724 ​ $ — FHLB – San Francisco stock ​ $ 8,239 ​ $ 8,239 ​ $ — ​ $ 8,239 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Deposits ​ $ 955,504 ​ $ 917,220 ​ $ — ​ $ — ​ $ 917,220 Borrowings ​ $ 85,000 ​ $ 84,299 ​ $ — ​ $ — ​ $ 84,299 ​ Loans held for investment, not recorded at fair value: For loans that reprice frequently at market rates, the carrying amount approximates the fair value. For fixed-rate loans, the fair value is determined by either (i) discounting the estimated future cash flows of such loans over their estimated remaining contractual maturities using a current interest rate at which such loans would be made to borrowers, or (ii) quoted market prices. Investment securities - held to maturity: The investment securities - held to maturity consist of time deposits at CRA qualified minority financial institutions, U.S. SBA securities, U.S. government sponsored enterprise CMO and U.S. government sponsored enterprise MBS. Due to the short-term nature of the time deposits, the principal balance approximated fair value (Level 2). For the MBS, CMO and SBA securities, the Corporation utilizes quoted prices in active markets for similar securities for its fair value measurement (Level 2). FHLB – San Francisco stock: The carrying amount reported for FHLB – San Francisco stock approximates fair value. When redeemed, the Corporation will receive an amount equal to the par value of the stock. Deposits: The fair value of time deposits is estimated using a discounted cash flow calculation. The discount rate is based upon rates currently offered for deposits of similar remaining maturities. The fair value of transaction accounts (checking, money market and savings accounts) is estimated using a discounted cash flow calculation and management estimates of current market conditions. Borrowings: The fair value of borrowings has been estimated using a discounted cash flow calculation. The discount rate on such borrowings is based upon rates currently offered for borrowings of similar remaining maturities. The Corporation has various processes and controls in place to ensure that fair value is reasonably estimated. The Corporation generally determines fair value of their Level 3 assets and liabilities by using internally developed models which primarily utilize discounted cash flow techniques and prices obtained from independent management services or brokers. The Corporation performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. While the Corporation believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. During the quarter ended September 30, 2022, there were no significant changes to the Corporation’s valuation techniques that had, or are expected to have, a material impact on its condensed consolidated financial position or results of operations.

Revenue From Contracts With Cus

Revenue From Contracts With Customers	3 Months Ended
	Sep. 30, 2022
Revenue From Contracts With Customers
Revenue From Contracts With Customers	Note 8: Revenue From Contracts With Customers In accordance with ASC 606, revenues are recognized when goods or services are transferred to the customer in exchange for the consideration the Corporation expects to be entitled to receive. The largest portion of the Corporation's revenue is from interest income, which is not in the scope of ASC 606. All of the Corporation's revenue from contracts with customers in the scope of ASC 606 is recognized in non-interest income. If a contract is determined to be within the scope of ASC 606, the Corporation recognizes revenue as it satisfies a performance obligation. Payments from customers are generally collected at the time services are rendered, monthly, quarterly or annually. For contracts with customers within the scope of ASC 606, revenue is either earned at a point in time or revenue is earned over time. Examples of revenue earned at a point in time are automated teller machine ("ATM") transaction fees, wire transfer fees, overdraft fees and interchange fees. Revenue is primarily based on the number and type of transactions that are generally derived from transactional information accumulated by our systems and is recognized immediately as the transactions occur or upon providing the service to complete the customer's transaction. The Corporation is generally the principal in these contracts, with the exception of interchange fees, in which case the Corporation is acting as the agent and records revenue net of expenses paid to the principal. Examples of revenue earned over time, which generally occur on a monthly basis, are deposit account maintenance fees, investment advisory fees, merchant revenue, trust and investment management fees and safe deposit box fees. Revenue is generally derived from transactional information accumulated by our systems or those of third-parties and is recognized as the related transactions occur or services are rendered to the customer. Disaggregation of Revenue: The following table includes the Corporation's non-interest income disaggregated by type of services for the quarters ended September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended ​ ​ September 30, Type of Services 2022 2021 (In Thousands) ​ ​ Loan servicing and other fees (1) ​ $ 108 ​ $ 186 Deposit account fees ​ ​ 343 ​ ​ 312 Card and processing fees ​ ​ 381 ​ ​ 405 Other (2) ​ 171 ​ 166 Total non-interest income ​ $ 1,003 ​ $ 1,069 ​ (1) Not within the scope of ASC 606. (2) Includes BOLI of $46 thousand and $47 thousand for the quarters ended September 30, 2022 and 2021, respectively , which are not within the scope of ASC 606. ​ For both the quarters ended September 30, 2022 and 2021, substantially all of the Corporation's revenues within the scope of ASC 606 are for performance obligations satisfied at a specified date. Revenues recognized within the scope of ASC 606: Deposit account fees Card and processing fees Other loans, prepayment fees, late charges, brokered loan fees, maintenance fees and others. These fees are recognized concurrent with the event on a daily, monthly, quarterly or annual basis, depending on the type of service.

Leases

Leases	3 Months Ended
	Sep. 30, 2022
Leases
Leases	Note 9: Leases The Corporation accounts for its leases in accordance with ASC 842 which requires the Corporation to record liabilities for future lease obligations as well as assets representing the right to use the underlying leased assets. The Corporation's leases primarily represent future obligations to make payments for the use of buildings, space or equipment for its operations. Liabilities to make future lease payments are recorded in accounts payable, accrued interest and other liabilities, while right-of-use assets are recorded in premises and equipment in the Corporation's condensed consolidated statements of financial condition. At September 30, 2022, all of the Corporation's leases were classified as operating leases and the Corporation did not have any operating leases with an initial term of 12 months or less ("short-term leases"). Liabilities to make future lease payments and right of use assets are recorded for operating leases and do not include short-term leases. These liabilities and right-of-use assets are determined based on the total contractual base rents for each lease, which include options to extend or renew each lease, where applicable, and where the Corporation believes it has an economic incentive to extend or renew the lease. Due to the fact that lease extensions are not reasonably certain, the Corporation generally does not recognize payments occurring during option periods in the calculation of its operating right-of-use lease assets and operating lease liabilities. The Corporation utilizes the FHLB – San Francisco rates as a discount rate for each of the remaining contractual terms at the adoption date as well as for future leases if the discount rate is not stated in the lease. For leases that contain variable lease payments, the Corporation assumes future lease payment escalations based on a lease payment escalation rate specified in the lease or the specified index rate observed at the time of lease commencement. Liabilities to make future lease payments are accounted for using the interest method, being reduced by periodic contractual lease payments net of periodic interest accretion. Right-of-use assets for operating leases are amortized over the term of the associated lease by amounts that represent the difference between periodic straight-line lease expense and periodic interest accretion in the related liability to make future lease payments. For the quarters ended September 30, 2022 and 2021, expenses associated with the Corporation’s leases totaled $215,000 and $223,000, respectively, and were recorded in premises and occupancy expenses and equipment expenses in the condensed consolidated statements of operations. The following table presents supplemental information related to operating leases at the date and for the periods indicated: ​ ​ ​ ​ ​ ​ ​ ​ ​ As of (In Thousands) ​ September 30, 2022 ​ ​ June 30, 2022 Condensed Consolidated Statements of Condition: ​ ​ Premises and equipment - Operating lease right of use assets ​ $ 1,764 $ 1,969 Accounts payable, accrued interest and other liabilities – Operating lease liabilities ​ $ 1,789 $ 1,998 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended ​ ​ September 30, (In Thousands) ​ 2022 ​ ​ 2021 ​ Condensed Consolidated Statements of Operations: ​ ​ ​ Premises and occupancy expenses from operating leases (1) ​ $ 193 $ 200 ​ Equipment expenses from operating leases ​ $ 22 $ 23 ​ ​ (1) Includes immaterial variable lease costs. ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended ​ Quarter Ended (In Thousands) ​ September 30, 2022 ​ September 30, 2021 Condensed Consolidated Statements of Cash Flows: ​ ​ Operating cash flows from operating leases, net ​ $ 219 $ 232 ​ ​ The following table provides information related to remaining minimum contractual lease payments and other information associated with the Corporation’s leases as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ Amount (1) Year Ending June 30, (In Thousands) ​ 2023 ​ $ 614 ​ 2024 ​ 555 ​ 2025 ​ 400 ​ 2026 ​ 236 ​ 2027 ​ 39 ​ Thereafter ​ — ​ Total contract lease payments ​ $ 1,844 ​ ​ ​ ​ ​ ​ Total liability to make lease payments ​ $ 1,789 ​ Difference in undiscounted and discounted future lease payments ​ $ 55 ​ Weighted average discount rate ​ 1.97 % Weighted average remaining lease term (years) ​ 2.9 ​ ​ (1) Contractual base rents do not include property taxes and other operating expenses due under respective lease agreements.

Stock Repurchases

Stock Repurchases	3 Months Ended
	Sep. 30, 2022
Stock Repurchases
Stock Repurchases	Note 10: Stock Repurchases ​ On April 28, 2022, Board of Directors of the Corporation authorized the repurchase of up to five percent of the Corporation’s common stock, approximately 364,259 shares (the “April 2022 stock repurchase plan”). The Corporation will purchase the shares from time to time in the open market or through privately negotiated transactions over a one-year period depending on market conditions, the capital requirements of the Corporation, and available cash that can be allocated to the stock repurchase program, among other considerations. The April 2022 stock repurchase plan will continue for a period of one year or until completed, whichever occurs first. ​ During the quarter ended September 30, 2022, the Corporation purchased 49,624 shares of the Corporation’s common stock under the April 2022 stock repurchase plan with a weighted average cost of $14.57 per share. As of September 30, 2022, a total of 314,635 shares or 86 percent of authorized shares under the plan remains available for purchase until the plan expires on April 28, 2023.

Subsequent Event

Subsequent Event	3 Months Ended
	Sep. 30, 2022
Subsequent Event
Subsequent Event	Note 11: Subsequent Events On October 27, 2022, the Corporation announced that the Corporation’s Board of Directors declared a quarterly cash dividend of $0.14 per share. Shareholders of the Corporation’s common stock at the close of business on November 17, 2022 are entitled to receive the cash dividend. The cash dividend will be payable on December 8, 2022. ​ ​

Basis of Presentation (Policies

Basis of Presentation (Policies)	3 Months Ended
	Sep. 30, 2022
Organization and Summary of Significant Accounting Policies
Basis of Presentation	The unaudited interim condensed consolidated financial statements included herein reflect all adjustments which are, in the opinion of management, necessary to present a fair statement of the results of operations for the interim periods presented. All such adjustments are of a normal, recurring nature. The condensed consolidated statement of financial condition at June 30, 2022 is derived from the audited consolidated financial statements of Provident Financial Holdings, Inc. and its wholly-owned subsidiary, Provident Savings Bank, F.S.B. (the "Bank") (collectively, the "Corporation"). Certain information and note disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP") have been omitted pursuant to the rules and regulations of the United States Securities and Exchange Commission ("SEC") with respect to interim financial reporting. It is recommended that these unaudited interim condensed consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s Annual Report on Form 10-K for the year ended June 30, 2022 (“2022 Annual Form 10-K”). The results of operations for the quarter ended September 30, 2022 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2023.
Accounting standard updates ("ASU")	There have been no accounting standard updates or changes in the status of their adoption that are material to the Corporation as previously disclosed in Note 1 of the Corporation's 2022 Annual Form 10-K, except the following: ASU 2016-13: In June 2016, the Financial Accounting Standards Board (“FASB”) issued ASU 2016-13, “Financial Instruments — Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,” and subsequent amendments to the initial guidance in November 2018, ASU No. 2018-19, April 2019, ASU 2019-04, May 2019, ASU 2019-05, November 2019, ASU 2019-11, February 2020, ASU 2020-02, March 2020, ASU 2020-03 and March 2022, ASU 2022-02, all of which clarifies codification and corrects unintended application of the guidance. In November 2019, the FASB also issued ASU 2019-10, “Financial Instruments — Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842): Effective Dates” extending the adoption date for certain registrants, including the Corporation. These ASUs related to Topic 326 will be effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. The Corporation is evaluating its current expected loss methodology of its loans held for investment and investment securities held to maturity to identify the necessary modifications in accordance with these standards and expects a change in the processes and procedures to calculate the allowance for loan losses, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. The Corporation has established a project team and implementation plan to address the key components to this process. The Corporation has determined its loan segmentation and compiled historical data, which is currently under evaluation. The Corporation is preparing to evaluate the appropriate methodologies for each loan grouping and is beginning testing, parallel runs, and sensitivity analysis on its initial modeling assumptions and results prior to the adoption date of July 1, 2023. The Corporation anticipates the allowance for loan credit losses for loans held for investment to increase through a one-time adjustment to retained earnings and is still evaluating the potential impact upon adoption that these ASUs will have on the Corporation’s Consolidated Financial Statements; however, until the evaluation is complete the magnitude of the potential increase will be unknown. ​

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Sep. 30, 2022
Earnings Per Share
Schedule of earnings per share, basic and diluted	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended ​ ​ September 30, (In Thousands, Except Earnings Per Share) 2022 2021 Numerator: ​ ​ ​ ​ ​ ​ Net income – numerator for basic earnings per share and ​ ​ ​ ​ ​ ​ diluted earnings per share - available to common ​ ​ ​ ​ ​ ​ stockholders ​ $ 2,090 ​ $ 2,667 ​ ​ ​ ​ ​ ​ ​ Denominator: ​ ​ ​ ​ ​ ​ Denominator for basic earnings per share: ​ ​ ​ ​ ​ ​ Weighted-average shares ​ 7,273 ​ 7,530 ​ ​ ​ ​ ​ ​ ​ Effect of dilutive shares: ​ ​ ​ ​ ​ ​ Stock options ​ — ​ 42 Restricted stock ​ 37 ​ 3 ​ ​ ​ ​ ​ ​ ​ Denominator for diluted earnings per share: ​ ​ ​ ​ ​ ​ Adjusted weighted-average shares and assumed ​ ​ ​ ​ ​ ​ conversions ​ ​ 7,310 ​ ​ 7,575 ​ ​ ​ ​ ​ ​ ​ Basic earnings per share $ 0.29 $ 0.35 Diluted earnings per share $ 0.29 $ 0.35

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Sep. 30, 2022
Investment Securities
Schedule of available-for-sale securities reconciliation	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross Estimated ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Carrying September 30, 2022 ​ Cost ​ Gains ​ (Losses) ​ Value ​ Value (In Thousands) ​ ​ ​ ​ ​ Held to maturity ​ ​ ​ ​ ​ U.S. government sponsored enterprise MBS (1) ​ $ 171,331 ​ $ 6 ​ $ (21,346) ​ $ 149,991 ​ $ 171,331 U.S. government sponsored enterprise CMO (2) ​ ​ 3,911 ​ ​ — ​ ​ (317) ​ ​ 3,594 ​ ​ 3,911 U.S. SBA securities (3) ​ 720 ​ 1 ​ — ​ 721 ​ 720 Certificate of deposits ​ 200 ​ — ​ — ​ 200 ​ 200 Total investment securities - held to maturity ​ $ 176,162 ​ $ 7 ​ $ (21,663) ​ $ 154,506 ​ $ 176,162 ​ ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ ​ U.S. government agency MBS ​ $ 1,629 ​ $ — ​ $ (19) ​ $ 1,610 ​ $ 1,610 U.S. government sponsored enterprise MBS ​ ​ 808 ​ ​ 2 ​ ​ (10) ​ ​ 800 ​ 800 Private issue CMO ​ 112 ​ — ​ (5) ​ 107 ​ 107 Total investment securities - available for sale ​ $ 2,549 ​ $ 2 ​ $ (34) ​ $ 2,517 ​ $ 2,517 Total investment securities ​ $ 178,711 ​ $ 9 ​ $ (21,697) ​ $ 157,023 ​ $ 178,679 ​ (1) (2) (3) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross Estimated ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Carrying June 30, 2022 ​ Cost ​ Gains ​ (Losses) ​ Value ​ Value (In Thousands) ​ ​ ​ ​ ​ Held to maturity ​ ​ ​ ​ ​ U.S. government sponsored enterprise MBS ​ $ 180,492 ​ $ 63 ​ $ (13,945) ​ $ 166,610 ​ $ 180,492 U.S. government sponsored enterprise CMO ​ ​ 3,913 ​ ​ — ​ ​ (150) ​ ​ 3,763 ​ ​ 3,913 U.S. SBA securities ​ 940 ​ 11 ​ — ​ 951 ​ 940 Certificate of deposits ​ 400 ​ — ​ — ​ 400 ​ 400 Total investment securities - held to maturity ​ $ 185,745 ​ $ 74 ​ $ (14,095) ​ $ 171,724 ​ $ 185,745 ​ ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ ​ U.S. government agency MBS ​ $ 1,698 ​ $ 6 ​ $ (6) ​ $ 1,698 ​ $ 1,698 U.S. government sponsored enterprise MBS ​ 865 ​ 4 ​ (4) ​ 865 ​ 865 Private issue CMO ​ 118 ​ — ​ (5) ​ 113 ​ 113 Total investment securities - available for sale ​ $ 2,681 ​ $ 10 ​ $ (15) ​ $ 2,676 ​ $ 2,676 Total investment securities ​ $ 188,426 ​ $ 84 ​ $ (14,110) ​ $ 174,400 ​ $ 188,421
Schedule of investments with unrealized loss position	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2022 ​ Unrealized Holding Losses ​ Unrealized Holding Losses ​ Unrealized Holding Losses (In Thousands) ​ Less Than 12 Months ​ 12 Months or More ​ Total ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized Description of Securities Value Losses Value Losses Value Losses Held to maturity ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. government sponsored enterprise MBS ​ $ 45,920 ​ $ 4,527 ​ $ 100,612 ​ $ 16,819 ​ $ 146,532 ​ $ 21,346 U.S. government sponsored enterprise CMO ​ ​ 3,594 ​ ​ 317 ​ ​ — ​ ​ — ​ ​ 3,594 ​ ​ 317 Total investment securities - held to maturity ​ $ 49,514 ​ $ 4,844 ​ $ 100,612 ​ $ 16,819 ​ $ 150,126 ​ $ 21,663 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S government agency MBS ​ $ 1,412 ​ $ 19 ​ $ — ​ $ — ​ $ 1,412 ​ $ 19 U.S. government sponsored enterprise MBS ​ ​ 659 ​ ​ 10 ​ ​ — ​ ​ — ​ ​ 659 ​ ​ 10 Private issue CMO ​ ​ 107 ​ ​ 5 ​ ​ — ​ ​ — ​ ​ 107 ​ ​ 5 Total investment securities - available for sale ​ $ 2,178 ​ $ 34 ​ $ — ​ $ — ​ $ 2,178 ​ $ 34 Total investment securities ​ $ 51,692 ​ $ 4,878 ​ ​ 100,612 ​ $ 16,819 ​ $ 152,304 ​ $ 21,697 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of June 30, 2022 ​ Unrealized Holding Losses ​ Unrealized Holding Losses ​ Unrealized Holding Losses (In Thousands) ​ Less Than 12 Months ​ 12 Months or More ​ Total ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized Description of Securities Value Losses Value Losses Value Losses Held to maturity ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. government sponsored enterprise MBS ​ $ 121,844 ​ $ 9,018 ​ $ 35,528 ​ $ 4,927 ​ $ 157,372 ​ $ 13,945 U.S. government sponsored enterprise CMO ​ ​ 3,764 ​ ​ 150 ​ ​ — ​ ​ — ​ ​ 3,764 ​ ​ 150 Total investment securities - held to maturity ​ $ 125,608 ​ $ 9,168 ​ $ 35,528 ​ $ 4,927 ​ $ 161,136 ​ $ 14,095 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S government agency MBS ​ $ 826 ​ $ 6 ​ $ — ​ $ — ​ $ 826 ​ $ 6 U.S. government sponsored enterprise MBS ​ ​ 671 ​ ​ 4 ​ ​ — ​ ​ — ​ ​ 671 ​ ​ 4 Private issue CMO ​ ​ 113 ​ ​ 5 ​ ​ — ​ ​ — ​ ​ 113 ​ ​ 5 Total investment securities - available for sale ​ $ 1,610 ​ $ 15 ​ $ — ​ $ — ​ $ 1,610 ​ $ 15 Total investment securities ​ $ 127,218 ​ $ 9,183 ​ $ 35,528 ​ $ 4,927 ​ $ 162,746 ​ $ 14,110
Schedule of investments classified by contractual maturity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022 ​ June 30, 2022 ​ ​ ​ Estimated ​ ​ Estimated ​ ​ Amortized ​ Fair ​ Amortized ​ Fair (In Thousands) ​ Cost ​ Value ​ Cost ​ Value Held to maturity ​ ​ ​ ​ Due in one year or less ​ $ 1,212 ​ $ 1,205 ​ $ 1,427 ​ $ 1,425 Due after one through five years ​ 9,107 ​ 8,806 ​ 10,908 ​ 10,805 Due after five through ten years ​ 73,049 ​ 65,351 ​ 77,167 ​ 72,625 Due after ten years ​ 92,794 ​ 79,144 ​ 96,243 ​ 86,869 Total investment securities - held to maturity ​ $ 176,162 ​ $ 154,506 ​ $ 185,745 ​ $ 171,724 ​ ​ ​ ​ ​ Available for sale ​ ​ ​ ​ Due in one year or less ​ $ — ​ $ — ​ $ — ​ $ — Due after one through five years ​ — ​ — ​ — ​ — Due after five through ten years ​ 202 ​ 200 ​ 98 ​ 98 Due after ten years ​ 2,347 ​ 2,317 ​ 2,583 ​ 2,578 Total investment securities - available for sale ​ $ 2,549 ​ $ 2,517 ​ $ 2,681 ​ $ 2,676 Total investment securities ​ $ 178,711 ​ $ 157,023 ​ $ 188,426 ​ $ 174,400

Loans Held for Investment (Tabl

Loans Held for Investment (Tables)	3 Months Ended
	Sep. 30, 2022
Loans Held for Investment
Schedule of loans held for investment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, ​ June 30, ​ (In Thousands) ​ 2022 2022 ​ Mortgage loans: ​ ​ Single-family ​ $ 429,575 ​ $ 378,234 ​ Multi-family ​ 468,031 ​ 464,676 ​ Commercial real estate ​ 89,339 ​ 90,429 ​ Construction ​ 3,151 ​ 3,216 ​ Other ​ 118 ​ 123 ​ Commercial business loans ​ 1,117 ​ 1,206 ​ Consumer loans ​ 70 ​ 86 ​ Total loans held for investment, gross ​ 991,401 ​ 937,970 ​ ​ ​ ​ ​ ​ Advance payments of escrows ​ 20 ​ 47 ​ Deferred loan costs, net ​ 8,159 ​ 7,539 ​ Allowance for loan losses ​ (5,638) ​ (5,564) ​ Total loans held for investment, net ​ $ 993,942 ​ $ 939,992 ​ ​
Schedule of loans held for investment, contractual repricing	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Adjustable Rate ​ ​ ​ ​ ​ ​ ​ ​ ​ After After After ​ ​ ​ ​ ​ ​ ​ Within ​ One Year ​ 3 Years ​ 5 Years ​ ​ ​ ​ ​ ​ (In Thousands) ​ One Year ​ Through 3 Years ​ Through 5 Years ​ Through 10 Years ​ Fixed Rate ​ Total Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ $ 51,772 ​ $ 22,388 ​ $ 37,305 ​ $ 211,503 ​ $ 106,607 ​ $ 429,575 Multi-family ​ 134,344 ​ 132,184 ​ 146,691 ​ 54,651 ​ 161 ​ 468,031 Commercial real estate ​ 44,631 ​ 20,582 ​ 22,803 ​ — ​ 1,323 ​ 89,339 Construction ​ 1,803 ​ — ​ — ​ — ​ 1,348 ​ 3,151 Other ​ — ​ — ​ — ​ — ​ 118 ​ 118 Commercial business loans ​ 1,049 ​ — ​ — ​ — ​ 68 ​ 1,117 Consumer loans ​ 70 ​ — ​ — ​ — ​ — ​ 70 Total loans held for investment, gross ​ $ 233,669 ​ $ 175,154 ​ $ 206,799 ​ $ 266,154 ​ $ 109,625 ​ $ 991,401
Schedule of gross loans held for investment by loan types and risk category	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ Commercial ​ ​ ​ ​ Other ​ Commercial ​ ​ ​ ​ ​ (In Thousands) Single-family Multi-family Real Estate Construction Mortgage Business Consumer Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 428,527 ​ $ 468,031 ​ $ 89,339 ​ $ 3,151 ​ $ 118 ​ $ 1,117 ​ $ 70 ​ $ 990,353 Special Mention ​ — ​ — ​ — ​ — ​ ​ — ​ — ​ — ​ — Substandard ​ 1,048 ​ — ​ — ​ — ​ ​ — ​ — ​ — ​ 1,048 Total loans held for investment, gross ​ $ 429,575 ​ $ 468,031 ​ $ 89,339 ​ $ 3,151 ​ $ 118 ​ $ 1,117 ​ $ 70 ​ $ 991,401 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ ​ ​ ​ ​ Commercial ​ ​ ​ Other ​ Commercial ​ ​ ​ ​ (In Thousands) ​ Single-family ​ Multi-family ​ Real Estate ​ Construction ​ ​ Mortgage ​ Business ​ Consumer ​ Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 376,502 ​ $ 464,676 ​ $ 90,429 ​ $ 3,216 ​ $ 123 ​ $ 1,206 ​ $ 86 ​ $ 936,238 Special Mention ​ 224 ​ — ​ — ​ — ​ ​ — ​ — ​ — ​ 224 Substandard ​ 1,508 ​ — ​ — ​ — ​ ​ — ​ — ​ — ​ 1,508 Total loans held for investment, gross ​ $ 378,234 ​ $ 464,676 ​ $ 90,429 ​ $ 3,216 ​ $ 123 ​ $ 1,206 ​ $ 86 ​ $ 937,970
Schedule of allowance for loan losses and recorded investment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended September 30, 2022 ​ ​ Single- ​ Multi- ​ Commercial ​ ​ ​ ​ ​ ​ ​ Commercial ​ ​ ​ ​ ​ ​ ​ (In Thousands) family family Real Estate ​ Construction ​ Other Business ​ Consumer ​ Total ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ Allowance at beginning of period ​ $ 1,383 ​ $ 3,282 ​ $ 816 ​ $ 23 ​ $ 3 ​ $ 52 ​ $ 5 ​ $ 5,564 ​ Provision (recovery) for loan losses ​ 63 ​ 23 ​ (10) ​ (1) ​ — ​ (4) ​ (1) ​ 70 ​ Recoveries ​ 4 ​ — ​ — ​ — ​ — ​ — ​ — ​ 4 ​ Charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ Allowance for loan losses, end of period ​ $ 1,450 ​ $ 3,305 ​ $ 806 ​ $ 22 ​ $ 3 ​ $ 48 ​ $ 4 ​ $ 5,638 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 38 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 38 ​ Collectively evaluated for impairment ​ 1,412 ​ 3,305 ​ 806 ​ 22 ​ 3 ​ 48 ​ 4 ​ 5,600 ​ Allowance for loan losses, end of period ​ $ 1,450 ​ $ 3,305 ​ $ 806 ​ $ 22 ​ $ 3 ​ $ 48 ​ $ 4 ​ $ 5,638 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 819 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 819 ​ Collectively evaluated for impairment ​ 428,756 ​ 468,031 ​ 89,339 ​ 3,151 ​ 118 ​ 1,117 ​ 70 ​ 990,582 ​ Total loans held for investment, gross ​ $ 429,575 ​ $ 468,031 ​ $ 89,339 ​ $ 3,151 ​ $ 118 ​ $ 1,117 ​ $ 70 ​ $ 991,401 ​ Allowance for loan losses as a percentage of gross loans held for investment ​ 0.34 % 0.71 % 0.90 % 0.70 % 2.54 % 4.30 % 5.71 % 0.57 % Net (recoveries) charge-offs to average loans receivable, net during the period ​ ​ (0.00) % ​ — % ​ — % ​ — % ​ — % ​ — % ​ — % ​ (0.00) % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended September 30, 2021 ​ ​ ​ Single- ​ Multi- ​ Commercial ​ ​ ​ ​ ​ ​ ​ Commercial ​ ​ ​ ​ ​ ​ ​ (In Thousands) family family Real Estate ​ Construction ​ Other Business ​ Consumer ​ Total ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance at beginning of period ​ $ 2,000 ​ $ 4,485 ​ $ 1,006 ​ $ 51 ​ $ 3 ​ $ 36 ​ $ 6 ​ $ 7,587 ​ (Recovery) provision for loan losses ​ (338) ​ 40 ​ (39) ​ (2) ​ — ​ 1 ​ (1) ​ (339) ​ Recoveries ​ 165 ​ — ​ — ​ — ​ — ​ — ​ — ​ 165 ​ Charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ Allowance for loan losses, end of period ​ $ 1,827 ​ $ 4,525 ​ $ 967 ​ $ 49 ​ $ 3 ​ $ 37 ​ $ 5 ​ $ 7,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 260 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 260 ​ Collectively evaluated for impairment ​ 1,567 ​ 4,525 ​ 967 ​ 49 ​ 3 ​ 37 ​ 5 ​ 7,153 ​ Allowance for loan losses, end of period ​ $ 1,827 ​ $ 4,525 ​ $ 967 ​ $ 49 ​ $ 3 ​ $ 37 ​ $ 5 ​ $ 7,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment: ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 5,894 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 5,894 ​ Collectively evaluated for impairment ​ 269,076 ​ 489,550 ​ 91,779 ​ 2,574 ​ 137 ​ 865 ​ 84 ​ 854,065 ​ Total loans held for investment, gross ​ $ 274,970 ​ $ 489,550 ​ $ 91,779 ​ $ 2,574 ​ $ 137 ​ $ 865 ​ $ 84 ​ $ 859,959 ​ Allowance for loan losses as a percentage of gross loans held for investment ​ 0.66 % 0.92 % 1.05 % 1.90 % 2.19 % 4.28 % 5.95 % 0.86 % Net (recoveries) charge-offs to average loans receivable, net during the period ​ ​ (0.25) % ​ — % ​ — % ​ — % ​ — % ​ — % ​ — % ​ (0.08) % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Schedule of allowance for loan losses	The following table is provided to disclose additional details for the periods indicated on the Corporation’s allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended ​ ​ September 30, ​ (Dollars in Thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ Allowance at beginning of period ​ $ 5,564 ​ $ 7,587 ​ ​ ​ ​ ​ ​ ​ ​ ​ Provision (recovery) for loan losses ​ 70 ​ (339) ​ ​ ​ ​ ​ ​ ​ ​ ​ Recoveries: ​ ​ ​ Mortgage loans: ​ ​ ​ Single-family ​ 4 ​ 165 ​ Total recoveries ​ 4 ​ 165 ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-offs: ​ ​ ​ Consumer loans ​ — ​ — ​ Total charge-offs ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ Net recoveries (charge-offs) ​ 4 ​ 165 ​ Balance at end of period ​ $ 5,638 ​ $ 7,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses as a percentage of gross loans held for investment at the end of the period ​ 0.57 % 0.86 % Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) ​ (0.00) % (0.08) % Allowance for loan losses as a percentage of gross non-performing loans at the end of the period ​ ​ 537.98 % ​ 102.11 %
Schedule of recorded investment in non-performing loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2022 ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ Net ​ ​ Principal ​ Related ​ Recorded ​ ​ ​ Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family: ​ ​ ​ ​ ​ With a related allowance ​ $ 988 ​ $ — ​ $ 988 ​ $ (84) ​ $ 904 Without a related allowance (2) ​ 89 ​ (29) ​ 60 ​ — ​ 60 Total single-family loans ​ 1,077 ​ (29) ​ 1,048 ​ (84) ​ 964 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total non-performing loans ​ $ 1,077 ​ $ (29) ​ $ 1,048 ​ $ (84) ​ $ 964 ​ (1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30, 2022 ​ ​ Unpaid ​ Related ​ ​ ​ ​ ​ Net ​ ​ Principal ​ Charge-offs ​ Recorded ​ ​ ​ Recorded (In Thousands) Balance Related Investment Allowance (1) Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ Single-family: ​ ​ ​ ​ ​ With a related allowance ​ $ 993 ​ $ — ​ $ 993 ​ $ (85) ​ $ 908 Without a related allowance (2) ​ 548 ​ (33) ​ 515 ​ — ​ 515 Total single-family loans ​ 1,541 ​ (33) ​ 1,508 ​ (85) ​ 1,423 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total non-performing loans ​ $ 1,541 ​ $ (33) ​ $ 1,508 ​ $ (85) ​ $ 1,423 ​ (1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
Schedule of past due status of gross loans held for investment, net of fair value adjustments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022 ​ ​ ​ ​ ​ 30-89 Days Past ​ ​ ​ ​ Total Loans Held for (In Thousands) Current Due Non-Accrual (1) Investment, Gross ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ $ 428,527 ​ $ — ​ $ 1,048 ​ $ 429,575 Multi-family ​ 468,031 ​ — ​ — ​ 468,031 Commercial real estate ​ 89,339 ​ — ​ — ​ 89,339 Construction ​ 3,151 ​ — ​ — ​ 3,151 Other ​ 118 ​ — ​ — ​ 118 Commercial business loans ​ 1,117 ​ — ​ — ​ 1,117 Consumer loans ​ 69 ​ 1 ​ — ​ 70 Total loans held for investment, gross ​ $ 990,352 ​ $ 1 ​ $ 1,048 ​ $ 991,401 ​ (1) All loans 90 days or greater past due are placed on non-accrual status. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ ​ ​ 30-89 Days Past ​ ​ Total Loans Held for (In Thousands) ​ Current ​ Due ​ Non-Accrual (1) ​ Investment, Gross ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ $ 376,726 ​ $ — ​ $ 1,508 ​ $ 378,234 Multi-family ​ 464,676 ​ — ​ — ​ 464,676 Commercial real estate ​ 90,429 ​ — ​ — ​ 90,429 Construction ​ 3,216 ​ — ​ — ​ 3,216 Other ​ ​ 123 ​ — ​ — ​ 123 Commercial business loans ​ 1,206 ​ — ​ — ​ 1,206 Consumer loans ​ 83 ​ 3 ​ — ​ 86 Total loans held for investment, gross ​ $ 936,459 ​ $ 3 ​ $ 1,508 ​ $ 937,970 ​ (1) All loans 90 days or greater past due are placed on non-accrual status.
Schedule of troubled debt restructurings by nonaccrual versus accrual status	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At ​ At (In Thousands) ​ September 30, 2022 ​ June 30, 2022 ​ Restructured loans on non-accrual status: ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ Single-family ​ $ 721 ​ $ 722 ​ Total ​ 721 ​ 722 ​ ​ ​ ​ ​ ​ ​ ​ ​ Restructured loans on accrual status: ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ Single-family ​ 1,906 ​ 3,748 ​ Total ​ 1,906 ​ 3,748 ​ Total restructured loans ​ $ 2,627 ​ $ 4,470 ​
Schedule of recorded investment in restructured loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2022 ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net ​ ​ Principal ​ Related ​ Recorded ​ ​ ​ ​ Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ With a related allowance ​ $ 759 ​ $ — ​ $ 759 ​ $ (38) ​ $ 721 Without a related allowance (2) ​ 1,906 ​ — ​ 1,906 ​ — ​ 1,906 Total single-family ​ 2,665 ​ — ​ 2,665 ​ (38) ​ 2,627 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total restructured loans ​ $ 2,665 ​ $ — ​ $ 2,665 ​ $ (38) ​ $ 2,627 ​ (1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30, 2022 ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net ​ ​ Principal ​ Related ​ Recorded ​ ​ ​ ​ Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ Single-family: ​ ​ ​ ​ ​ With a related allowance ​ $ 760 ​ $ — ​ $ 760 ​ $ (38) ​ $ 722 Without a related allowance (2) ​ 3,748 ​ — ​ 3,748 ​ — ​ 3,748 Total single-family ​ 4,508 ​ — ​ 4,508 ​ (38) ​ 4,470 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total restructured loans ​ $ 4,508 ​ $ — ​ $ 4,508 ​ $ (38) ​ $ 4,470 ​ (1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
Schedule of Nonperforming Loans on Interest Income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended September 30, ​ ​ 2022 ​ 2021 ​ ​ ​ Average ​ Interest ​ Average ​ Interest ​ ​ ​ Recorded ​ Income ​ Recorded ​ Income (In Thousands) ​ Investment Recognized Investment Recognized Without related allowances: ​ ​ ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ $ 127 ​ $ — ​ $ 817 $ 140 ​ 127 ​ — ​ 817 140 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ With related allowances: ​ ​ ​ ​ ​ ​ Mortgage loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single-family ​ 991 ​ 5 ​ 5,827 47 Multi-family ​ — ​ — ​ 1,114 15 ​ 991 ​ 5 ​ 6,941 62 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,118 ​ $ 5 ​ $ 7,758 $ 202 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Derivative and Other Financia_2

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Tables)	3 Months Ended
	Sep. 30, 2022
Derivative and Other Financial Instruments with Off-Balance Sheet Risks
Schedule of undisbursed funds commitments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commitments ​ September 30, 2022 ​ June 30, 2022 ​ (In Thousands) ​ ​ Undisbursed loan funds – Construction loans ​ $ 2,776 ​ $ 3,384 ​ Undisbursed lines of credit – Commercial business loans ​ 541 ​ 541 ​ Undisbursed lines of credit – Consumer loans ​ 386 ​ 390 ​ Commitments to extend credit on loans to be held for investment ​ 47,427 ​ 43,386 ​ Total ​ $ 51,130 ​ $ 47,701 ​
Schedule of allowance for loan losses of undisbursed funds and commitments on loans held for investment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended ​ ​ ​ September 30, ​ (In Thousands) 2022 2021 Balance, beginning of the period ​ $ 130 ​ $ 127 ​ Provision (recovery) ​ 7 ​ (23) ​ Balance, end of the period ​ $ 137 ​ $ 104 ​
Schedule of summary of recourse liability	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended ​ ​ September 30, ​ Recourse Liability 2022 2021 (In Thousands) ​ ​ ​ ​ ​ ​ ​ Balance, beginning of the period ​ $ 160 ​ $ 200 ​ Provision for recourse liability ​ — ​ — ​ Net settlements in lieu of loan repurchases ​ — ​ — ​ Balance, end of the period ​ $ 160 ​ $ 200 ​

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Sep. 30, 2022
Fair Value of Financial Instruments
Schedule of aggregate fair value and aggregate unpaid principal balance of loans held for sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ Net ​ ​ Aggregate ​ Principal ​ Unrealized (In Thousands) Fair Value Balance Loss As of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, at fair value ​ $ 1,350 ​ $ 1,549 ​ $ (199) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of June 30, 2022: ​ ​ ​ Loans held for investment, at fair value ​ $ 1,396 ​ $ 1,569 ​ $ (173)
Schedule of fair value, assets and liabilities measured on recurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurement at September 30, 2022 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investment securities - available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. government agency MBS ​ $ — ​ $ 1,610 ​ $ — ​ $ 1,610 U.S. government sponsored enterprise MBS ​ — ​ 800 ​ — ​ 800 Private issue CMO ​ — ​ — ​ 107 ​ 107 Investment securities - available for sale ​ — ​ 2,410 ​ 107 ​ 2,517 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, at fair value ​ — ​ — ​ 1,350 ​ 1,350 Interest-only strips ​ — ​ — ​ 7 ​ 7 Total assets ​ $ — ​ $ 2,410 ​ $ 1,464 ​ $ 3,874 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ $ — ​ $ — ​ $ — ​ $ — Total liabilities ​ $ — ​ $ — ​ $ — ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurement at June 30, 2022 Using: (In Thousands) ​ Level 1 ​ ​ Level 2 ​ Level 3 ​ Total Assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investment securities - available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. government agency MBS ​ $ — ​ $ 1,698 ​ $ — ​ $ 1,698 U.S. government sponsored enterprise MBS ​ — ​ 865 ​ — ​ 865 Private issue CMO ​ — ​ — ​ 113 ​ 113 Investment securities - available for sale ​ — ​ 2,563 ​ 113 ​ 2,676 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, at fair value ​ — ​ — ​ 1,396 ​ 1,396 Interest-only strips ​ — ​ — ​ 7 ​ 7 Total assets ​ $ — ​ $ 2,563 ​ $ 1,516 ​ $ 4,079 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ $ — ​ $ — ​ $ — ​ $ — Total liabilities ​ $ — ​ $ — ​ $ — ​ $ —
Schedule for reconciliation of recurring fair value measurements using level 3 inputs	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended September 30, 2022 ​ ​ Fair Value Measurement ​ ​ Using Significant Other Unobservable Inputs ​ ​ (Level 3) ​ ​ Private ​ Loans Held For ​ Interest- ​ ​ ​ ​ Issue ​ Investment, at ​ Only ​ ​ (In Thousands) CMO fair value (1) Strips Total Beginning balance at June 30, 2022 ​ $ 113 ​ $ 1,396 ​ $ 7 ​ $ 1,516 Total gains or losses (realized/unrealized): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Included in earnings ​ — ​ (26) ​ — ​ (26) Included in other comprehensive income (loss) ​ (1) ​ — ​ — ​ (1) Purchases ​ — ​ — ​ — ​ — Issuances ​ — ​ — ​ — ​ — Settlements ​ (5) ​ (20) ​ — ​ (25) Transfers in and/or out of Level 3 ​ — ​ — ​ — ​ — Ending balance at September 30, 2022 ​ $ 107 ​ $ 1,350 ​ $ 7 ​ $ 1,464 ​ (1) The valuation of loans held for investment at fair value includes management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Quarter Ended September 30, 2021 ​ ​ Fair Value Measurement ​ ​ Using Significant Other Unobservable Inputs ​ ​ (Level 3) ​ ​ Private ​ Loans Held For ​ Interest- ​ ​ ​ ​ Issue ​ Investment, at ​ Only ​ ​ (In Thousands) CMO fair value Strips Total Beginning balance at June 30, 2021 ​ $ 154 ​ $ 1,874 ​ $ 10 ​ $ 2,038 Total gains or losses (realized/unrealized): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Included in earnings ​ — ​ 2 ​ — ​ 2 Included in other comprehensive income (loss) ​ 1 ​ — ​ (1) ​ — Purchases ​ — ​ — ​ — ​ — Issuances ​ — ​ — ​ — ​ — Settlements ​ (5) ​ (299) ​ — ​ (304) Transfers in and/or out of Level 3 ​ — ​ — ​ — ​ — Ending balance at September 30, 2021 ​ $ 150 ​ $ 1,577 ​ $ 9 ​ $ 1,736 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Schedule of fair value assets measured on nonrecurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurement at September 30, 2022 Using: (In Thousands) Level 1 Level 2 Level 3 Total Non-performing loans ​ $ — ​ $ 60 ​ $ 904 ​ $ 964 Mortgage servicing assets ​ — ​ — ​ 103 ​ 103 Total ​ $ — ​ $ 60 ​ $ 1,007 ​ $ 1,067 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurement at June 30, 2022 Using: (In Thousands) ​ Level 1 ​ Level 2 ​ Level 3 ​ Total Non-performing loans $ — ​ $ 515 ​ $ 908 ​ $ 1,423 Mortgage servicing assets ​ — ​ — ​ 168 ​ 168 Total ​ $ — ​ $ 515 ​ $ 1,076 ​ $ 1,591
Schedule of additional information about valuation techniques and inputs used for assets and liabilities	The following table presents additional information about valuation techniques and inputs used for assets and liabilities, which are measured at fair value and categorized within Level 3 as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Impact to ​ ​ Fair Value ​ ​ ​ ​ ​ ​ ​ Valuation ​ ​ As of ​ ​ ​ ​ ​ ​ ​ from an ​ ​ September 30, ​ Valuation ​ ​ ​ Range (1) ​ Increase in (Dollars In Thousands) 2022 Techniques Unobservable Inputs (Weighted Average) Inputs (2) Assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities available-for sale: Private issue CMO ​ $ 107 Market comparable pricing Comparability adjustment (4.3%) - (5.1%) (4.9%) Increase ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, at fair value ​ $ 1,350 Relative value analysis Broker quotes 87.1% - 98.0% (90.4%) Increase ​ ​ ​ ​ ​ ​ ​ Credit risk factor 1.2% - 6.6% (3.3%) ​ Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-performing loans (3) ​ $ 720 Discounted cash flow Default rates 5.0% ​ Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-performing loans (4) ​ $ 184 Relative value analysis Credit risk factor 20.0% Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Mortgage servicing assets ​ $ 103 Discounted cash flow Prepayment speed (CPR) 4.3% - 60.0% (10.4%) Decrease ​ ​ ​ ​ ​ ​ Discount rate 9.0% - 10.5% (9.1%) Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest-only strips ​ $ 7 Discounted cash flow Prepayment speed (CPR) 7.8% - 28.9% (27.6%) ​ Decrease ​ ​ ​ ​ ​ ​ Discount rate 9.0% Decrease ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ None ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (1) The range is based on the historical estimated fair values and management estimates. (2) Unless otherwise noted, this column represents the directional change in the fair value of the Level 3 asset or liability instruments that would result from an increase to the corresponding unobservable input. A decrease to the unobservable input would have the opposite effect. Significant changes in these inputs in isolation could result in significantly higher or lower fair value measurements. (3) Consists of restructured loans . (4) Consists of other non-performing loans, excluding restructured loans.
Schedule of carrying amount and fair value of financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022 ​ ​ Carrying ​ Fair ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Amount Value Level 1 Level 2 Level 3 Financial assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, not recorded at fair value ​ $ 992,592 ​ $ 921,980 ​ $ — ​ $ — ​ $ 921,980 Investment securities - held to maturity ​ $ 176,162 ​ $ 154,506 ​ $ — ​ $ 154,506 ​ $ — FHLB – San Francisco stock ​ $ 8,239 ​ $ 8,239 ​ $ — ​ $ 8,239 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ $ 985,324 ​ $ 868,587 ​ $ — ​ $ — ​ $ 868,587 Borrowings ​ $ 115,000 ​ $ 113,320 ​ $ — ​ $ — ​ $ 113,320 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ ​ Carrying ​ Fair ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Amount Value Level 1 Level 2 Level 3 Financial assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans held for investment, not recorded at fair value ​ $ 938,596 ​ $ 892,339 ​ $ — ​ $ — ​ $ 892,339 Investment securities - held to maturity ​ $ 185,745 ​ $ 171,724 ​ $ — ​ $ 171,724 ​ $ — FHLB – San Francisco stock ​ $ 8,239 ​ $ 8,239 ​ $ — ​ $ 8,239 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Deposits ​ $ 955,504 ​ $ 917,220 ​ $ — ​ $ — ​ $ 917,220 Borrowings ​ $ 85,000 ​ $ 84,299 ​ $ — ​ $ — ​ $ 84,299

Revenue From Contracts With C_2

Revenue From Contracts With Customers (Tables)	3 Months Ended
	Sep. 30, 2022
Revenue From Contracts With Customers
Schedule of non-interest income disaggregated by type of service	The following table includes the Corporation's non-interest income disaggregated by type of services for the quarters ended September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended ​ ​ September 30, Type of Services 2022 2021 (In Thousands) ​ ​ Loan servicing and other fees (1) ​ $ 108 ​ $ 186 Deposit account fees ​ ​ 343 ​ ​ 312 Card and processing fees ​ ​ 381 ​ ​ 405 Other (2) ​ 171 ​ 166 Total non-interest income ​ $ 1,003 ​ $ 1,069 ​ (1) Not within the scope of ASC 606. (2) Includes BOLI of $46 thousand and $47 thousand for the quarters ended September 30, 2022 and 2021, respectively , which are not within the scope of ASC 606.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Sep. 30, 2022
Leases
Schedule of supplemental information related to operating leases	​ ​ ​ ​ ​ ​ ​ ​ ​ As of (In Thousands) ​ September 30, 2022 ​ ​ June 30, 2022 Condensed Consolidated Statements of Condition: ​ ​ Premises and equipment - Operating lease right of use assets ​ $ 1,764 $ 1,969 Accounts payable, accrued interest and other liabilities – Operating lease liabilities ​ $ 1,789 $ 1,998 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended ​ ​ September 30, (In Thousands) ​ 2022 ​ ​ 2021 ​ Condensed Consolidated Statements of Operations: ​ ​ ​ Premises and occupancy expenses from operating leases (1) ​ $ 193 $ 200 ​ Equipment expenses from operating leases ​ $ 22 $ 23 ​ ​ (1) Includes immaterial variable lease costs. ​ ​ ​ ​ ​ ​ ​ ​ Quarter Ended ​ Quarter Ended (In Thousands) ​ September 30, 2022 ​ September 30, 2021 Condensed Consolidated Statements of Cash Flows: ​ ​ Operating cash flows from operating leases, net ​ $ 219 $ 232 ​ ​
Schedule of remaining minimum contractual lease payments and other information associated with leases	​ ​ ​ ​ ​ ​ ​ Amount (1) Year Ending June 30, (In Thousands) ​ 2023 ​ $ 614 ​ 2024 ​ 555 ​ 2025 ​ 400 ​ 2026 ​ 236 ​ 2027 ​ 39 ​ Thereafter ​ — ​ Total contract lease payments ​ $ 1,844 ​ ​ ​ ​ ​ ​ Total liability to make lease payments ​ $ 1,789 ​ Difference in undiscounted and discounted future lease payments ​ $ 55 ​ Weighted average discount rate ​ 1.97 % Weighted average remaining lease term (years) ​ 2.9 ​ ​ (1) Contractual base rents do not include property taxes and other operating expenses due under respective lease agreements.

Earnings Per Share - Summary of

Earnings Per Share - Summary of Earnings Per Share Basic and Diluted (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Numerator:
Net income - numerator for basic earnings per share and diluted earnings per share - available to common stockholders	$ 2,090	$ 2,667
Denominator for basic earnings per share:
Weighted-average shares	7,273	7,530
Denominator for diluted earnings per share:
Adjusted weighted-average shares and assumed conversions	7,310	7,575
Basic earnings per share	$ 0.29	$ 0.35
Diluted earnings per share	$ 0.29	$ 0.35
Stock Option
Denominator for basic earnings per share:
Effect of dilutive shares		42
Restricted Stock
Denominator for basic earnings per share:
Effect of dilutive shares	37	3

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Details) - shares	Sep. 30, 2022	Sep. 30, 2021
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options, outstanding	461,000	417,000
Restricted stock, outstanding	147,750	101,250
Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options exercisable	461,000	116,000

Investment Securities - Schedul

Investment Securities - Schedule of amortized cost and estimated fair value of Held to maturity investments (Details) - USD ($) $ in Thousands	Sep. 30, 2022		Jun. 30, 2022
Held to maturity
Amortized Cost	$ 176,162		$ 185,745
Gross Unrealized Gains	7		74
Gross Unrealized (Losses)	(21,663)		(14,095)
Estimated Fair Value	154,506		171,724
Carrying Value	176,162		185,745
U.S. government sponsored enterprise MBS
Held to maturity
Amortized Cost	171,331	[1]	180,492
Gross Unrealized Gains	6	[1]	63
Gross Unrealized (Losses)	(21,346)	[1]	(13,945)
Estimated Fair Value	149,991	[1]	166,610
U.S. government sponsored enterprise CMO
Held to maturity
Amortized Cost	3,911	[2]	3,913
Gross Unrealized Gains	0	[2]	0
Gross Unrealized (Losses)	(317)	[2]	(150)
Estimated Fair Value	3,594	[2]	3,763
U.S. SBA securities
Held to maturity
Amortized Cost	720	[3]	940
Gross Unrealized Gains	1	[3]	11
Gross Unrealized (Losses)	0	[3]	0
Estimated Fair Value	721	[3]	951
Certificate of deposits
Held to maturity
Amortized Cost	200		400
Gross Unrealized Gains	0		0
Gross Unrealized (Losses)	0		0
Estimated Fair Value	$ 200		$ 400
[1]Mortgage-Backed Securities (“MBS”).[2]Collateralized Mortgage Obligations (“CMO”).[3]Small Business Administration (“SBA”).

Investment Securities - Sched_2

Investment Securities - Schedule of amortized cost and estimated fair value of Available for sale securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022		Jun. 30, 2022
Available for sale
Amortized Cost	$ 2,549		$ 2,681
Gross Unrealized Gains	2		10
Gross Unrealized (Losses)	(34)		(15)
Estimated Fair Value	2,517		2,676
U.S. government agency MBS
Available for sale
Amortized Cost	1,629		1,698
Gross Unrealized Gains	0		6
Gross Unrealized (Losses)	(19)		(6)
Estimated Fair Value	1,610		1,698
U.S. government sponsored enterprise MBS
Available for sale
Amortized Cost	808		865
Gross Unrealized Gains	2		4
Gross Unrealized (Losses)	(10)		(4)
Estimated Fair Value	800		865
Private issue CMO
Available for sale
Amortized Cost	112	[1]	118
Gross Unrealized Gains	0	[1]	0
Gross Unrealized (Losses)	(5)	[1]	(5)
Estimated Fair Value	$ 107	[1]	$ 113
[1]Collateralized Mortgage Obligations (“CMO”).

Investment Securities - Total i

Investment Securities - Total investment securities for amortized cost and estimated fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Investment Securities
Amortized Cost	$ 178,711	$ 188,426
Gross Unrealized Gains	9	84
Gross Unrealized (Losses)	(21,697)	(14,110)
Estimated Fair Value	157,023	174,400
Carrying Value	$ 178,679	$ 188,421

Investment Securities - Investm

Investment Securities - Investments with Unrealized Loss Positions for Held to maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Schedule of Held-to-maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	$ 49,514	$ 125,608
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	4,844	9,168
Unrealized Holding Losses 12 Months or More, Fair Value	100,612	35,528
Unrealized Holding Losses 12 Months or More, Unrealized Losses	16,819	4,927
Unrealized Holding Losses Total, Fair Value	150,126	161,136
Unrealized Holding Losses Total, Unrealized Losses	21,663	14,095
U.S. government sponsored enterprise MBS
Schedule of Held-to-maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	45,920	121,844
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	4,527	9,018
Unrealized Holding Losses 12 Months or More, Fair Value	100,612	35,528
Unrealized Holding Losses 12 Months or More, Unrealized Losses	16,819	4,927
Unrealized Holding Losses Total, Fair Value	146,532	157,372
Unrealized Holding Losses Total, Unrealized Losses	21,346	13,945
U.S. government sponsored enterprise CMO
Schedule of Held-to-maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	3,594	3,764
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	317	150
Unrealized Holding Losses Total, Fair Value	3,594	3,764
Unrealized Holding Losses Total, Unrealized Losses	$ 317	$ 150

Investment Securities - Inves_2

Investment Securities - Investments with Unrealized Loss Positions for Available for sale (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, Less Than 12 Months, Fair Value	2,178	1,610
Unrealized Holding Losses, Less Than 12 Months, Unrealized Losses	$ 34	$ 15
Unrealized Holding Losses Total, Fair Value	2,178	1,610
Unrealized Holding Losses Total, Unrealized Losses	$ 34	$ 15
Private Issue CMO
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, Less Than 12 Months, Fair Value		113
Unrealized Holding Losses, Less Than 12 Months, Unrealized Losses		$ 5
Unrealized Holding Losses Total, Fair Value		113
Unrealized Holding Losses Total, Unrealized Losses		$ 5
U.S. government agency MBS
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, Less Than 12 Months, Fair Value	1,412	826
Unrealized Holding Losses, Less Than 12 Months, Unrealized Losses	$ 19	$ 6
Unrealized Holding Losses Total, Fair Value	1,412	826
Unrealized Holding Losses Total, Unrealized Losses	$ 19	$ 6
U.S. government sponsored enterprise MBS
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, Less Than 12 Months, Fair Value	659	671
Unrealized Holding Losses, Less Than 12 Months, Unrealized Losses	$ 10	$ 4
Unrealized Holding Losses Total, Fair Value	659	671
Unrealized Holding Losses Total, Unrealized Losses	$ 10	$ 4
Private issue CMO
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, Less Than 12 Months, Fair Value	107
Unrealized Holding Losses, Less Than 12 Months, Unrealized Losses	$ 5
Unrealized Holding Losses Total, Fair Value	107
Unrealized Holding Losses Total, Unrealized Losses	$ 5

Investment Securities - Inves_3

Investment Securities - Investments with Unrealized Loss Positions for total investment securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Investment Securities
Unrealized Holding Losses Less Than 12 Months, Fair Value	$ 51,692	$ 127,218
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	4,878	9,183
Unrealized Holding Losses 12 Months or More, Fair Value	100,612	35,528
Unrealized Holding Losses 12 Months or More, Unrealized Losses	16,819	4,927
Unrealized Holding Losses Total, Fair Value	152,304	162,746
Unrealized Holding Losses Total, Unrealized Losses	$ 21,697	$ 14,110

Investment Securities - Sched_3

Investment Securities - Schedule of Held to maturity Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Held to maturity, Amortized Cost
Due in one year or less	$ 1,212	$ 1,427
Due after one through five years	9,107	10,908
Due after five through ten years	73,049	77,167
Due after ten years	92,794	96,243
Total investment securities - held to maturity, Amortized Cost	176,162	185,745
Held to maturity, Estimated Fair Value
Due in one year or less	1,205	1,425
Due after one through five years	8,806	10,805
Due after five through ten years	65,351	72,625
Due after ten years	79,144	86,869
Total investment securities - held to maturity, Estimated Fair Value	$ 154,506	$ 171,724

Investment Securities - Sched_4

Investment Securities - Schedule of Available for Sale Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Available for sale, Amortized Cost
Due in one year or less	$ 0	$ 0
Due after one through five years	0	0
Due after five through ten years	202	98
Due after ten years	2,347	2,583
Total investment securities - available for sale, Amortized Cost	2,549	2,681
Amortized Cost	178,711	188,426
Available for sale, Estimated Fair Value
Due in one year or less	0	0
Due after one through five years	0	0
Due after five through ten years	200	98
Due after ten years	2,317	2,578
Total investment securities - available for sale, Estimated Fair Value	2,517	2,676
Estimated Fair Value	$ 157,023	$ 174,400

Investment Securities - Mortgag

Investment Securities - Mortgage Backed Securities Policy (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses Total, Unrealized Losses	$ 21,697		$ 14,110
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	4,878		9,183
Unrealized Holding Losses 12 Months or More, Unrealized Losses	16,819		4,927
U.S. government sponsored enterprise MBS
Schedule of Available-for-sale Securities [Line Items]
Principal payments from investment securities available for sale	9,300	$ 17,000
Proceeds from sale of investment securities available for sale	0	$ 0
Unrealized Holding Losses 12 Months or More, Unrealized Losses	$ 16,819		$ 4,927

Investment Securities - Additio

Investment Securities - Additional Information (Details) - USD ($)	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Debt Securities, Available-for-sale [Line Items]
Investments with an unrealized loss position	$ 21,663,000		$ 14,095,000
Unrealized holding losses, 12 months or more	16,819,000		4,927,000
Unrealized Holding Losses Total, Unrealized Losses	21,697,000		14,110,000
Impairment loss	0	$ 0
U.S. government sponsored enterprise CMO
Debt Securities, Available-for-sale [Line Items]
Investments with an unrealized loss position	317,000		150,000
U.S. government sponsored enterprise MBS
Debt Securities, Available-for-sale [Line Items]
Principal payments from investment securities available for sale	9,300,000	$ 17,000,000
Investments with an unrealized loss position	21,346,000		13,945,000
Unrealized holding losses, 12 months or more	$ 16,819,000		$ 4,927,000

Loans Held for Investment - Sch

Loans Held for Investment - Schedule of Loans Held for Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022	Sep. 30, 2021	Jun. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	$ 991,401	$ 937,970
Advance payments of escrows	20	47
Deferred loan costs, net	8,159	7,539
Allowance for loan losses	(5,638)	(5,564)	$ (7,413)	$ (7,587)
Total loans held for investment, net	993,942	939,992
Undisbursed loan funds	4,000	4,100
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses	(806)	(816)	(967)	(1,006)
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses	(22)	(23)	$ (49)	$ (51)
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	429,575	378,234
Mortgage Loans, Multi Family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	468,031	464,676
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	89,339	90,429
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	3,151	3,216
Mortgage Loans Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	118	123
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	70	86
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	$ 1,117	$ 1,206

Loans Held for Investment - S_2

Loans Held for Investment - Schedule of Loans Held for Investment Contractually Repricing (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	$ 109,625
Total loans held for investment, gross	991,401	$ 937,970
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	106,607
Total loans held for investment, gross	429,575	378,234
Mortgage Loans, Multi Family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	161
Total loans held for investment, gross	468,031	464,676
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	1,323
Total loans held for investment, gross	89,339	90,429
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	1,348
Total loans held for investment, gross	3,151	3,216
Mortgage Loans Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	118
Total loans held for investment, gross	118	123
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	68
Total loans held for investment, gross	1,117	1,206
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	0
Total loans held for investment, gross	70	$ 86
Within One Year [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	233,669
Within One Year [Member] | Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	51,772
Within One Year [Member] | Mortgage Loans, Multi Family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	134,344
Within One Year [Member] | Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	44,631
Within One Year [Member] | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	1,803
Within One Year [Member] | Mortgage Loans Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
Within One Year [Member] | Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	1,049
Within One Year [Member] | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	70
After One Year Through 3 Years [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	175,154
After One Year Through 3 Years [Member] | Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	22,388
After One Year Through 3 Years [Member] | Mortgage Loans, Multi Family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	132,184
After One Year Through 3 Years [Member] | Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	20,582
After One Year Through 3 Years [Member] | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After One Year Through 3 Years [Member] | Mortgage Loans Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After One Year Through 3 Years [Member] | Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After One Year Through 3 Years [Member] | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 3 Years Through 5 Years [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	206,799
After 3 Years Through 5 Years [Member] | Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	37,305
After 3 Years Through 5 Years [Member] | Mortgage Loans, Multi Family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	146,691
After 3 Years Through 5 Years [Member] | Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	22,803
After 3 Years Through 5 Years [Member] | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 3 Years Through 5 Years [Member] | Mortgage Loans Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 3 Years Through 5 Years [Member] | Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 3 Years Through 5 Years [Member] | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 5 Years Through 10 Years [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	266,154
After 5 Years Through 10 Years [Member] | Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	211,503
After 5 Years Through 10 Years [Member] | Mortgage Loans, Multi Family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	54,651
After 5 Years Through 10 Years [Member] | Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 5 Years Through 10 Years [Member] | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 5 Years Through 10 Years [Member] | Mortgage Loans Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 5 Years Through 10 Years [Member] | Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	0
After 5 Years Through 10 Years [Member] | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	$ 0

Loans Held for Investment - S_3

Loans Held for Investment - Schedule of Gross Loans Held for Investment by Loan Types and Risk Category (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Loans and Leases Receivable, Gross	$ 991,401	$ 937,970
Mortgage loans, Single-family
Loans and Leases Receivable, Gross	429,575	378,234
Mortgage Loans, Multi Family
Loans and Leases Receivable, Gross	468,031	464,676
Mortgage loans, Commercial real estate
Loans and Leases Receivable, Gross	89,339	90,429
Construction
Loans and Leases Receivable, Gross	3,151	3,216
Mortgage Loans Other
Loans and Leases Receivable, Gross	118	123
Commercial business loans
Loans and Leases Receivable, Gross	1,117	1,206
Consumer loans
Loans and Leases Receivable, Gross	70	86
Pass
Loans and Leases Receivable, Gross	990,353	936,238
Pass | Mortgage loans, Single-family
Loans and Leases Receivable, Gross	428,527	376,502
Pass | Mortgage Loans, Multi Family
Loans and Leases Receivable, Gross	468,031	464,676
Pass | Mortgage loans, Commercial real estate
Loans and Leases Receivable, Gross	89,339	90,429
Pass | Construction
Loans and Leases Receivable, Gross	3,151	3,216
Pass | Mortgage Loans Other
Loans and Leases Receivable, Gross	118	123
Pass | Commercial business loans
Loans and Leases Receivable, Gross	1,117	1,206
Pass | Consumer loans
Loans and Leases Receivable, Gross	70	86
Special Mention
Loans and Leases Receivable, Gross		224
Special Mention | Mortgage loans, Single-family
Loans and Leases Receivable, Gross		224
Special Mention | Mortgage Loans, Multi Family
Loans and Leases Receivable, Gross		0
Special Mention | Mortgage loans, Commercial real estate
Loans and Leases Receivable, Gross		0
Special Mention | Construction
Loans and Leases Receivable, Gross		0
Special Mention | Mortgage Loans Other
Loans and Leases Receivable, Gross		0
Special Mention | Commercial business loans
Loans and Leases Receivable, Gross		0
Special Mention | Consumer loans
Loans and Leases Receivable, Gross		0
Substandard
Loans and Leases Receivable, Gross	1,048	1,508
Substandard | Mortgage loans, Single-family
Loans and Leases Receivable, Gross	1,048	1,508
Substandard | Mortgage Loans, Multi Family
Loans and Leases Receivable, Gross	0	0
Substandard | Mortgage loans, Commercial real estate
Loans and Leases Receivable, Gross	0	0
Substandard | Construction
Loans and Leases Receivable, Gross	0	0
Substandard | Mortgage Loans Other
Loans and Leases Receivable, Gross	0	0
Substandard | Commercial business loans
Loans and Leases Receivable, Gross	0	0
Substandard | Consumer loans
Loans and Leases Receivable, Gross	$ 0	$ 0

Loans Held for Investment - S_4

Loans Held for Investment - Schedule of Allowance For Loan Losses and Recorded Investment in Gross Loans, by Portfolio Type (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning of the year	$ 5,564	$ 7,587
Provision (recovery) for loan losses	70	(339)
Recoveries	4	165
Charge-offs	0	0
Net recoveries (charge-offs)	4	165
Allowance for loan losses, end of the year	5,638	7,413
Individually evaluated for allowances	38	260
Collectively evaluated for allowances	5,600	7,153
Individually evaluated for allowances	819	5,894
Collectively evaluated for allowances	990,582	854,065
Total Loans Held for Investment, Gross	$ 991,401	$ 859,959
Allowance for loan losses as a percentage of gross loans held for investment	0.57%	0.86%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period	0%	(0.08%)
Allowance for loan losses as a percentage of gross non-performing loans	537.98%	102.11%
Mortgage loans, Single-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning of the year	$ 1,383	$ 2,000
Provision (recovery) for loan losses	63	(338)
Recoveries	4	165
Charge-offs	0	0
Allowance for loan losses, end of the year	1,450	1,827
Individually evaluated for allowances	38	260
Collectively evaluated for allowances	1,412	1,567
Individually evaluated for allowances	819	5,894
Collectively evaluated for allowances	428,756	269,076
Total Loans Held for Investment, Gross	$ 429,575	$ 274,970
Allowance for loan losses as a percentage of gross loans held for investment	0.34%	0.66%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period	0%	(0.25%)
Mortgage Loans, Multi Family
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning of the year	$ 3,282	$ 4,485
Provision (recovery) for loan losses	23	40
Recoveries	0	0
Charge-offs	0	0
Allowance for loan losses, end of the year	3,305	4,525
Collectively evaluated for allowances	3,305	4,525
Collectively evaluated for allowances	468,031	489,550
Total Loans Held for Investment, Gross	$ 468,031	$ 489,550
Allowance for loan losses as a percentage of gross loans held for investment	0.71%	0.92%
Mortgage loans, Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning of the year	$ 816	$ 1,006
Provision (recovery) for loan losses	(10)	(39)
Recoveries	0	0
Charge-offs	0	0
Allowance for loan losses, end of the year	806	967
Collectively evaluated for allowances	806	967
Collectively evaluated for allowances	89,339	91,779
Total Loans Held for Investment, Gross	$ 89,339	$ 91,779
Allowance for loan losses as a percentage of gross loans held for investment	0.90%	1.05%
Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning of the year	$ 23	$ 51
Provision (recovery) for loan losses	(1)	(2)
Recoveries	0	0
Charge-offs	0	0
Allowance for loan losses, end of the year	22	49
Collectively evaluated for allowances	22	49
Collectively evaluated for allowances	3,151	2,574
Total Loans Held for Investment, Gross	$ 3,151	$ 2,574
Allowance for loan losses as a percentage of gross loans held for investment	0.70%	1.90%
Mortgage Loans Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning of the year	$ 3	$ 3
Provision (recovery) for loan losses	0
Recoveries	0	0
Charge-offs	0	0
Allowance for loan losses, end of the year	3	3
Collectively evaluated for allowances	3	3
Collectively evaluated for allowances	118	137
Total Loans Held for Investment, Gross	$ 118	$ 137
Allowance for loan losses as a percentage of gross loans held for investment	2.54%	2.19%
Commercial business loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning of the year	$ 52	$ 36
Provision (recovery) for loan losses	(4)	1
Recoveries	0	0
Charge-offs	0	0
Allowance for loan losses, end of the year	48	37
Collectively evaluated for allowances	48	37
Collectively evaluated for allowances	1,117	865
Total Loans Held for Investment, Gross	$ 1,117	$ 865
Allowance for loan losses as a percentage of gross loans held for investment	4.30%	4.28%
Consumer loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, beginning of the year	$ 5	$ 6
Provision (recovery) for loan losses	(1)	(1)
Recoveries	0	0
Charge-offs	0	0
Allowance for loan losses, end of the year	4	5
Collectively evaluated for allowances	4	5
Collectively evaluated for allowances	70	84
Total Loans Held for Investment, Gross	$ 70	$ 84
Allowance for loan losses as a percentage of gross loans held for investment	5.71%	5.95%

Loans Held for Investment - S_5

Loans Held for Investment - Schedule of Past Due Status of Loans Held for Investment, Gross (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2022	Jun. 30, 2022
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans deemed uncollectible, period of delinquency	90 days	90 days
Non-accrual	$ 1,048	$ 1,508
Total loans held for investment, gross	991,401	937,970
Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	990,352	936,459
30 To 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	1	3
Mortgage loans, Single-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	1,048	1,508
Total loans held for investment, gross	429,575	378,234
Mortgage loans, Single-family | Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	428,527	376,726
Mortgage loans, Single-family | 30 To 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	0	0
Mortgage Loans, Multi Family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Total loans held for investment, gross	468,031	464,676
Mortgage Loans, Multi Family | Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	468,031	464,676
Mortgage Loans, Multi Family | 30 To 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	0	0
Mortgage loans, Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Total loans held for investment, gross	89,339	90,429
Mortgage loans, Commercial real estate | Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	89,339	90,429
Mortgage loans, Commercial real estate | 30 To 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	0	0
Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Total loans held for investment, gross	3,151	3,216
Construction | Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	3,151	3,216
Construction | 30 To 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	0	0
Mortgage Loans Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Total loans held for investment, gross	118	123
Mortgage Loans Other | Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	118	123
Mortgage Loans Other | 30 To 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	0	0
Commercial business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Total loans held for investment, gross	1,117	1,206
Commercial business loans | Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	1,117	1,206
Commercial business loans | 30 To 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	0	0
Consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Total loans held for investment, gross	70	86
Consumer loans | Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	69	83
Consumer loans | 30 To 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans held for investment, gross	$ 1	$ 3
Bankruptcy [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans deemed uncollectible, period of delinquency	60 days
Troubled Debt Restructurings [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans deemed uncollectible, period of delinquency	90 days
Commercial Real Estate Or Second Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans deemed uncollectible, period of delinquency	120 days

Loans Held For Investment - All

Loans Held For Investment - Allowance Roll-forward (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Loans Held for Investment
Allowance for loan losses, beginning of the year	$ 5,564	$ 7,587
Provision (recovery)	70	(339)
Total recoveries	4	165
Total charge-offs	0	0
Allowance for loan losses, end of the year	$ 5,638	$ 7,413

Loans Held for Investment - S_6

Loans Held for Investment - Schedule of Total Recorded Investment in Non-Performing Loans by Type (Details) - USD ($)	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid Principal Balance	$ 1,077,000		$ 1,541,000
Related Charge-Offs	(29,000)		(33,000)
Recorded Investment	1,048,000		1,508,000
Related Allowance	(84,000)		(85,000)
Recorded Investment, Net of Allowance	964,000		1,423,000
With related allowances, Average Recorded Investment	991,000	$ 6,941,000
Without related allowances, Average Recorded Investment	127,000	817,000
Average Recorded Investment	1,118,000	7,758,000
Interest income recognized with a related allowance	5,000	62,000
Interest income recognized without a related allowance	0	140,000
Total interest income recognized	5,000	202,000
Mortgage loans, Single-family
Financing Receivable, Allowance for Credit Losses [Line Items]
With related allowances, Average Recorded Investment	991,000	5,827,000
Without related allowances, Average Recorded Investment	127,000	817,000
Interest income recognized with a related allowance	5,000	47,000
Interest income recognized without a related allowance	0	140,000
Mortgage loans, Single-family
Financing Receivable, Allowance for Credit Losses [Line Items]
With a related allowance Unpaid Principal Balance	988,000		993,000
Without a related allowance, Unpaid Principal Balance	89,000		548,000
Unpaid Principal Balance	1,077,000		1,541,000
With Related Allowance, Related Charge-Offs	0		0
With No Related Allowance, Related Charge-Offs	(29,000)		(33,000)
Related Charge-Offs	(29,000)		(33,000)
With Related Allowance, Recorded Investment	988,000		993,000
With No Related Allowance, Recorded Investment	60,000		515,000
Recorded Investment	1,048,000		1,508,000
Related Allowance	(84,000)		(85,000)
Recorded Investment, with Related Allowance, Net	904,000		908,000
Recorded Investment, with No Related Allowance, Net	60,000		515,000
Recorded Investment, Net of Allowance	964,000		$ 1,423,000
Mortgage Loans, Multi Family
Financing Receivable, Allowance for Credit Losses [Line Items]
With related allowances, Average Recorded Investment	0	1,114,000
Interest income recognized with a related allowance	$ 0	$ 15,000

Loans Held for Investment - S_7

Loans Held for Investment - Schedule of Restructured Loan Balances, Net of Allowance for Loan Losses, by Loan type and by Nonaccrual Versus Accrual Status (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2022	Jun. 30, 2022
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	$ 721	$ 722
Restructured loans on accrual status	1,906	3,748
Total restructured loans	2,627	4,470
Mortgage loans, Single-family
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	721	722
Restructured loans on accrual status	$ 1,906	$ 3,748

Loans Held for Investment - S_8

Loans Held for Investment - Schedule of Restructured Loans by Type, Net of Individually Evaluated Allowances (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Financing Receivable, Impaired [Line Items]
Restructured Loans, Allowance for Loan Losses	$ (38)	$ (38)
Restructured Loans, Unpaid Principal Balance	2,665	4,508
Restructured Loans, Related Charge-offs	0	0
Restructured Loans, Recorded Investment	2,665	4,508
Restructured loans, net investment	2,627	4,470
Mortgage loans, Single-family
Financing Receivable, Impaired [Line Items]
Restructured Loans, With Related Allowance, Unpaid Principal Balance	759	760
Restructured Loans, With Related Allowance, Related Charge-offs	0	0
Restructured Loans, With a Related Allowance, Recorded Investment	759	760
Restructured Loans, Allowance for Loan Losses	(38)	(38)
Restructured loans, with a related allowance, net investment	721	722
Restructured Loans, Without a Related Allowance, Unpaid Principal Balance	1,906	3,748
Restructured Loans, Without a Related Allowance, Related Charge-offs	0	0
Restructured Loans, Without a Related Allowance, Recorded Investment	1,906	3,748
Restructured Loans, Without a Related Allowance, Net Investment	1,906	3,748
Restructured Loans, Unpaid Principal Balance	2,665	4,508
Restructured Loans, Related Charge-offs	0	0
Restructured Loans, Recorded Investment	2,665	4,508
Restructured loans, net investment	$ 2,627	$ 4,470

Loans Held for Investment - Add

Loans Held for Investment - Additional Information (Details)	3 Months Ended		12 Months Ended
	Sep. 30, 2022 USD ($) loan property	Sep. 30, 2021 USD ($) property	Jun. 30, 2022 USD ($) loan
Fixed-rate loans as a percentage of total loans held for investment	11%		11%
Loans deemed uncollectible, period of delinquency	90 days		90 days
Restructured loans amount	$ 2,627,000		$ 4,470,000
Loans held for investment	991,401,000		$ 937,970,000
Total interest payments received	7,000	$ 211,000
Non-performing loans interest recognized as principal payments, cost basis	2,000	9,000
Interest income, non-performing loans, cash basis	5,000	202,000
Average investment in non-performing loans	$ 1,118,000	$ 7,758,000
Number of loans newly restructured	0	1
Number of modified loans | loan	9		13
Number of restructured loans	0	0
Restructured loans on non-accrual status	$ 1,048,000		$ 1,508,000
Number of Properties Acquired in Settlement of Loans | property	0	0
Number of Previously Foreclosed Properties Sold | property	0	0
First Trust Deed Loans
Loans deemed uncollectible, period of delinquency	150 days
Mortgage loans, Commercial real estate
Restructured loans on non-accrual status	$ 0		0
Mortgage loans, Single-family
Restructured loans on non-accrual status	1,048,000		1,508,000
Commercial business loans
Restructured loans on non-accrual status	$ 0		0
Bankruptcy [Member]
Loans deemed uncollectible, period of delinquency	60 days
Troubled Debt Restructurings [Member]
Loans deemed uncollectible, period of delinquency	90 days
Loans held for investment			4,500,000
Commercial Real Estate Or Second Mortgage [Member]
Loans deemed uncollectible, period of delinquency	120 days
Restructured loans on accrual status
Loans held for investment	$ 2,600,000
Maximum
Segregated restructured loans, period of delinquency	90 days
Maximum | Bankruptcy [Member]
Allowance for loan losses, pooling method, period of delinquency	60 days
Substandard
Loans held for investment	$ 1,048,000		1,508,000
Substandard | Restructured loans on non-accrual status
Loans held for investment	$ 721,000		$ 722,000,000,000
Number of modified loans | loan	1		1
Pass
Loans held for investment	$ 990,353,000		$ 936,238,000
Special Mention
Loans held for investment			224,000
Number of loans downgraded | loan	3
Restructured Loans, Number of Loans Paid off | loan	1
Current Payment Status
Loans held for investment	$ 1,900,000		$ 4,500,000
Percent of total restructured loans on current status	73%		100%
Interest income
Interest income, non-performing loans, cash basis		$ 202,000
Mortgage loans, Single-family
Loans held for investment	$ 429,575,000		$ 378,234,000
Mortgage loans, Single-family | Substandard
Loans held for investment	1,048,000		1,508,000
Mortgage loans, Single-family | Pass
Loans held for investment	428,527,000		376,502,000
Mortgage loans, Single-family | Special Mention
Loans held for investment			224,000
Mortgage Loans, Multi Family
Loans held for investment	468,031,000		464,676,000
Mortgage Loans, Multi Family | Substandard
Loans held for investment	0		0
Mortgage Loans, Multi Family | Pass
Loans held for investment	$ 468,031,000		464,676,000
Mortgage Loans, Multi Family | Special Mention
Loans held for investment			$ 0

Derivative and Other Financia_3

Derivative and Other Financial Instruments with Off-Balance Sheet Risks - Schedule of Undisbursed Funds Commitments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Derivative [Line Items]
Total	$ 51,130	$ 47,701
Undisbursed loan funds - Construction loans
Derivative [Line Items]
Total	2,776	3,384
Undisbursed lines of credit - Commercial business loans
Derivative [Line Items]
Total	541	541
Undisbursed lines of credit - Consumer loans
Derivative [Line Items]
Total	386	390
Commitments to extend credit on loans to be held for investment
Derivative [Line Items]
Total	$ 47,427	$ 43,386

Derivative and Other Financia_4

Derivative and Other Financial Instruments with Off-Balance Sheet Risks - Schedule of Allowance for Loan Losses of Undisbursed Funds and Commitments on Loans Held for Investment (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for loan losses, beginning of the year	$ 5,564	$ 7,587
Provision (recovery)	70	(339)
Allowance for loan losses, end of the year	5,638	7,413
Commitments to extend credit on loans to be held for sale
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for loan losses, beginning of the year	130	127
Provision (recovery)	7	(23)
Allowance for loan losses, end of the year	$ 137	$ 104

Derivative and Other Financia_5

Derivative and Other Financial Instruments with Off-Balance Sheet Risks - Summary of the recourse liability (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Summary Of Recourse Liability [Roll Forward]
Balance, beginning of the period	$ 160	$ 200
Provision for recourse liability	0	0
Net settlements in lieu of loan repurchases	0	0
Balance, end of the period	$ 160	$ 200

Derivative and Other Financia_6

Derivative and Other Financial Instruments with Off-Balance Sheet Risks - Additional Information (Details)	3 Months Ended
	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 USD ($) loan	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)
Derivative [Line Items]
Outstanding derivative financial instruments	$ 0		$ 0
Number Of Loans Repurchased | loan	0	0
Recourse Liability	$ 160,000	$ 200,000	160,000	$ 200,000
Mortgage Partnership Finance (MPF) Program
Derivative [Line Items]
Basis point of loss absorbed by first loss account	4
Other Investors | Mortgage Partnership Finance (MPF) Program
Derivative [Line Items]
Recourse Liability	$ 150,000
FHLB - San Francisco [Member]
Derivative [Line Items]
Recourse Liability	$ 10,500		$ 10,500

Fair Value of Financial Instr_3

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2022	Jun. 30, 2022
Fair Value of Financial Instruments
Loans held for investment, Aggregate Fair Value	$ 1,350	$ 1,396
Loans held for investment, Aggregate Unpaid Principal Balance	1,549	1,569
Loans held for investment, Net Unrealized Loss	$ (199)	$ (173)

Fair Value of Financial Instr_4

Fair Value of Financial Instruments - Corporations assets measured at fair value on a recurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment, at fair value	$ 1,350	$ 1,396
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	2,517	2,676
Loans held for investment, at fair value	1,350	1,396
Interest-only strips	7	7
Total assets	3,874	4,079
Liabilities	0
Total liabilities	0
Recurring | U.S. government agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	1,610	1,698
Recurring | U.S. government sponsored enterprise MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	800	865
Recurring | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	107	113
Recurring | Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Loans held for investment, at fair value	0	0
Interest-only strips	0	0
Total assets	0	0
Liabilities	0	0
Total liabilities	0	0
Recurring | Fair Value, Inputs, Level 1 | U.S. government agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Fair Value, Inputs, Level 1 | U.S. government sponsored enterprise MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Fair Value, Inputs, Level 1 | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	2,410	2,563
Loans held for investment, at fair value	0	0
Interest-only strips	0	0
Total assets	2,410	2,563
Liabilities	0	0
Total liabilities	0	0
Recurring | Fair Value, Inputs, Level 2 | U.S. government agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	1,610	1,698
Recurring | Fair Value, Inputs, Level 2 | U.S. government sponsored enterprise MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	800	865
Recurring | Fair Value, Inputs, Level 2 | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	107	113
Loans held for investment, at fair value	1,350	1,396
Interest-only strips	7	7
Total assets	1,464	1,516
Liabilities	0	0
Total liabilities	0	0
Recurring | Fair Value, Inputs, Level 3 | U.S. government agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Fair Value, Inputs, Level 3 | U.S. government sponsored enterprise MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Fair Value, Inputs, Level 3 | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	$ 107	$ 113

Fair Value of Financial Instr_5

Fair Value of Financial Instruments - Schedule of Reconciliation of Beginning and Ending Balances of Recurring Fair Value Measurements Using Level 3 Inputs (Details) - Fair Value, Inputs, Level 3 - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 1,516	$ 2,038
Total gains or losses (realized/unrealized) Included in earnings	(26)	2
Total gains or losses (realized/unrealized) Included in other comprehensive income (loss)	(1)	0
Purchases	0	0
Issuances	0	0
Settlements	(25)	(304)
Transfers in and/or out of Level 3	0	0
Ending balance	1,464	1,736
Private issue CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	113	154
Total gains or losses (realized/unrealized) Included in earnings	0	0
Total gains or losses (realized/unrealized) Included in other comprehensive income (loss)	(1)	1
Purchases	0	0
Issuances	0	0
Settlements	(5)	(5)
Transfers in and/or out of Level 3	0	0
Ending balance	107	150
Loans Held For Investment at Fair Value
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	1,396	1,874
Total gains or losses (realized/unrealized) Included in earnings	(26)	2
Total gains or losses (realized/unrealized) Included in other comprehensive income (loss)	0	0
Purchases	0	0
Issuances	0	0
Settlements	(20)	(299)
Transfers in and/or out of Level 3	0	0
Ending balance	1,350	1,577
Interest-Only Strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	7	10
Total gains or losses (realized/unrealized) Included in earnings	0	0
Total gains or losses (realized/unrealized) Included in other comprehensive income (loss)	0	(1)
Purchases	0	0
Issuances	0	0
Settlements	0	0
Transfers in and/or out of Level 3	0	0
Ending balance	$ 7	$ 9

Fair Value of Financial Instr_6

Fair Value of Financial Instruments - Corporations assets measured at fair value at the dates indicated on a nonrecurring basis (Details) - Nonrecurring - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	$ 964	$ 1,423
Mortgage servicing assets	103	168
Total assets	1,067	1,591
Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	0	0
Mortgage servicing assets	0	0
Total assets	0	0
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	60	515
Mortgage servicing assets	0	0
Total assets	60	515
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	904	908
Mortgage servicing assets	103	168
Total assets	$ 1,007	$ 1,076

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Valuation techniques and inputs used (Details) - Fair Value, Inputs, Level 3 $ in Thousands	3 Months Ended
	Sep. 30, 2022 USD ($)
Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 107
Private issue CMO | Market comparable pricing | Comparability adjustment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Increase
Private issue CMO | Minimum | Market comparable pricing | Comparability adjustment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	4.30%
Private issue CMO | Maximum | Market comparable pricing | Comparability adjustment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	5.10%
Private issue CMO | Weighted Average | Market comparable pricing | Comparability adjustment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	4.90%
Loans Held For Investment at Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 1,350
Loans Held For Investment at Fair Value | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Increase
Loans Held For Investment at Fair Value | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease
Loans Held For Investment at Fair Value | Minimum | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	87.10%
Loans Held For Investment at Fair Value | Minimum | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	1.20%
Loans Held For Investment at Fair Value | Maximum | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	98%
Loans Held For Investment at Fair Value | Maximum | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	6.60%
Loans Held For Investment at Fair Value | Weighted Average | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	90.40%
Loans Held For Investment at Fair Value | Weighted Average | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	3.30%
Non-performing loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 720
Non-performing loans | Discounted cash flow | Default rates.
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease
Assets Fair Value Measurement Input	5%
Non-performing loans | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	5%
Non-performing loans one
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 184
Non-performing loans one | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease
Non-performing loans one | Minimum | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	20%
Mortgage servicing assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 103
Mortgage servicing assets | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease
Mortgage servicing assets | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease
Mortgage servicing assets | Minimum | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	4.30%
Mortgage servicing assets | Minimum | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	9%
Mortgage servicing assets | Maximum | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	60%
Mortgage servicing assets | Maximum | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	10.50%
Mortgage servicing assets | Weighted Average | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	10.40%
Mortgage servicing assets | Weighted Average | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	9.10%
Interest-Only Strips
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 7
Interest-Only Strips | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease
Interest-Only Strips | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease
Assets Fair Value Measurement Input	9%
Interest-Only Strips | Minimum | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	7.80%
Interest-Only Strips | Maximum | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	28.90%
Interest-Only Strips | Weighted Average | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	27.60%

Fair Value of Financial Instr_8

Fair Value of Financial Instruments - Carrying amount and fair value of the Corporations other financial instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity, at cost	$ 176,162	$ 185,745
Investment securities - held to maturity	176,162	185,745
Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for investment, not recorded at fair value	992,592	938,596
Investment securities - held to maturity, at cost	176,162	185,745
FHLB - San Francisco stock	8,239	8,239
Deposits	985,324	955,504
Borrowings	115,000	85,000
Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for investment, not recorded at fair value	921,980	892,339
Investment securities - held to maturity, at cost	154,506	171,724
FHLB - San Francisco stock	8,239	8,239
Deposits	868,587	917,220
Borrowings	113,320	84,299
Fair Value | Fair Value, Inputs, Level 1
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for investment, not recorded at fair value	0	0
Investment securities - held to maturity, at cost	0	0
FHLB - San Francisco stock	0	0
Deposits	0	0
Borrowings	0	0
Fair Value | Fair Value, Inputs, Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for investment, not recorded at fair value	0	0
Investment securities - held to maturity, at cost	154,506	171,724
FHLB - San Francisco stock	8,239	8,239
Deposits	0	0
Borrowings	0	0
Fair Value | Fair Value, Inputs, Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for investment, not recorded at fair value	921,980	892,339
Investment securities - held to maturity, at cost	0	0
FHLB - San Francisco stock	0	0
Deposits	868,587	917,220
Borrowings	$ 113,320	$ 84,299

Revenue From Contracts With C_3

Revenue From Contracts With Customers (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Loan servicing and other fees	$ 108	$ 186
Other	171	166
Total non-interest income	1,003	1,069
Deposit account fees
Revenue within the scope of ASC 606	343	312
Card and processing fees
Revenue within the scope of ASC 606	381	405
BOLI
Other	$ 46	$ 47

Leases - Supplemental informati

Leases - Supplemental information (Details) - USD ($)	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Leases
Lease expense	$ 215,000	$ 223,000
Consolidated Statements of Condition:
Premises and equipment - Operating lease right of use assets	1,764,000		$ 1,969,000
Accounts payable, accrued interest and other liabilities - Operating lease liabilities	1,789,000		$ 1,998,000
Consolidated Statements of Operations:
Premises and occupancy expenses from operating leases	193,000	200,000
Equipment expenses from operating leases	22,000	23,000
Consolidated Statements of Cash Flows:
Operating cash flows for operating leases, net	$ 219,000	$ 232,000

Leases - Remaining minimum cont

Leases - Remaining minimum contractual lease payments and other information (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Remaining minimum contractual lease payments and other information associated with the leases
2023	$ 614
2024	555
2025	400
2026	236
2027	39
Total contract lease payments	1,844
Total liability to make lease payments	1,789
Difference in undiscounted and discounted future lease payments	$ 55
Weighted average discount rate	1.97%
Weighted average remaining lease term (years)	2 years 10 months 24 days

Stock Repurchases (Details)

Stock Repurchases (Details) - April 2022 stock repurchase plan - $ / shares		3 Months Ended
	Apr. 28, 2022	Sep. 30, 2022
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program authorized percentage	5%	86%
Stock Repurchase program, remaining authorized shares	364,259	314,635
Stock repurchase plan period	1 year
Shares acquired		49,624
Shares repurchased weighted average cost per share		$ 14.57

Subsequent Event (Details)

Subsequent Event (Details) - Subsequent event.	Oct. 27, 2022 $ / shares
Subsequent Event [Line Items]
Dividends declared date	Oct. 27, 2022
Quarterly cash dividend declared, common stock	$ 0.14
Dividend, date of record	Nov. 17, 2022
Dividends payable, date	Dec. 08, 2022