Provident Financial (PROV) 10-Q7 Nov 242025 Q1 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Sep. 30, 2024	Oct. 31, 2024
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Securities Act 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(b) 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		6,762,999
Entity Central Index Key	0001010470
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	Q1
Amendment Flag	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Assets
Cash and cash equivalents	$ 48,193	$ 51,376
Investment securities - held to maturity, at cost with no allowance for credit losses	124,268	130,051
Investment securities - available for sale, at fair value	1,809	1,849
Loans held for investment, net of allowance for credit losses of $6,329 and $7,065, respectively; includes $1,082 and $1,047 of loans held at fair value, respectively; $774.1 million and $861.1 million pledged to Federal Home Loan Bank ("FHLB") - San Francisco, respectively; $174.4 million and $178.6 million pledged to Federal Reserve Bank ("FRB") - San Francisco, respectively	1,048,633	1,052,979
Accrued interest receivable	4,287	4,287
FHLB - San Francisco stock and other equity investments, includes $565 and $540 of other equity investments at fair value, respectively	10,133	10,108
Premises and equipment, net	9,615	9,313
Prepaid expenses and other assets	10,442	12,237
Total assets	1,257,380	1,272,200
Liabilities:
Noninterest-bearing deposits	86,458	95,627
Interest-bearing deposits	777,406	792,721
Total deposits	863,864	888,348
Borrowings	249,500	238,500
Accounts payable, accrued interest and other liabilities	14,410	15,411
Total liabilities	1,127,774	1,142,259
Commitments and Contingencies (Notes 6 and 9)
Stockholders' equity:
Preferred stock, $0.01 par value (2,000,000 shares authorized; none issued and outstanding)
Common stock, $0.01 par value, (40,000,000 and 40,000,000 shares authorized, 18,229,615 and 18,229,615 shares issued, and 6,769,247 and 6,847,821 outstanding, respectively)	183	183
Additional paid-in capital	98,711	98,532
Retained earnings	210,853	209,914
Treasury stock at cost (11,460,368 and 11,381,794 shares, respectively)	(180,155)	(178,685)
Accumulated other comprehensive income (loss), net of tax	14	(3)
Total stockholders' equity	129,606	129,941
Total liabilities and stockholders' equity	$ 1,257,380	$ 1,272,200

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Investment securities - held to maturity, allowance for credit losses	$ 0	$ 0
Allowance for credit losses on loans held for investment	6,329	7,065
Loans held for investment fair value	1,100	1,000
Collateral pledged on Federal Home Loan Bank advances	774,100	861,100
Equity investments at fair value	$ 565	$ 540
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	6,769,247	6,847,821
Treasury stock shares	11,460,368	11,381,794
Pledged as Collateral \| Pledged to FRB
Loans held for investment	$ 174,400	$ 178,600

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Interest income:
Loans receivable, net	$ 13,023	$ 12,176
Investment securities	482	524
FHLB - San Francisco stock and other equity investments	210	179
Interest-earning deposits	360	463
Total interest income	14,075	13,342
Interest expense:
Checking and money market deposits	53	57
Savings deposits	112	38
Time deposits	2,659	1,790
Borrowings	2,635	2,318
Total interest expense	5,459	4,203
Net interest income	8,616	9,139
(Recovery of) provision for credit losses	(697)	545
Net interest income, after (recovery of) provision for credit losses	9,313	8,594
Non-interest income:
Loan servicing and other fees	104	(21)
Other	177	131
Total non-interest income	899	751
Non-interest expense:
Salaries and employee benefits	4,633	4,114
Premises and occupancy	951	903
Equipment	343	287
Professional	426	472
Sales and marketing	173	168
Deposit insurance premium and regulatory assessments	183	197
Other	814	715
Total non-interest expense	7,523	6,856
Income before income taxes	2,689	2,489
Provision for income taxes	789	727
Net income	$ 1,900	$ 1,762
Basic earnings per share ( in dollars per share)	$ 0.28	$ 0.25
Diluted earnings per share ( in dollars per share)	$ 0.28	$ 0.25
Deposit account fees
Non-interest income:
Non-interest income	$ 298	$ 288
Card and processing fees
Non-interest income:
Non-interest income	$ 320	$ 353

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Condensed Consolidated Statements of Comprehensive Income
Net Income (Loss)	$ 1,900	$ 1,762
Change in unrealized holding income on securities available for sale and interest-only strips	24	10
Income tax expense	(7)	(3)
Other comprehensive income	17	7
Total comprehensive income	$ 1,917	$ 1,769

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands		Common Stock	Additional Paid-In Capital	Retained Earnings Impact of ASU adoption	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive (Loss) Income, Net of Tax	Impact of ASU adoption	Total
Balance at Jun. 30, 2023		$ 183	$ 99,505		$ 207,274	$ (177,237)	$ (38)		$ 129,687
Balance (in shares) at Jun. 30, 2023		7,043,170
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)					1,762				1,762
Other comprehensive income							7		7
Purchase of treasury stock						(495)			(495)
Purchase of treasury stock (in shares)		(36,112)
Amortization of restricted stock			43						43
Stock options expense			6						6
Cash dividends	[1]				(981)				(981)
Balance (ASC 326) at Sep. 30, 2023				$ (824)				$ (824)
Balance at Sep. 30, 2023		$ 183	99,554		207,231	(177,732)	(31)		129,205
Balance (in shares) at Sep. 30, 2023		7,007,058
Balance at Jun. 30, 2024		$ 183	98,532		209,914	(178,685)	(3)		$ 129,941
Balance (in shares) at Jun. 30, 2024		6,847,821							6,847,821
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)					1,900				$ 1,900
Other comprehensive income							17		17
Purchase of treasury stock						(1,464)			(1,464)
Purchase of treasury stock (in shares)		(102,399)
Distribution of restricted stock (in shares)		23,825
Forfeiture of restricted stock			6			(6)
Amortization of restricted stock			155						155
Stock options expense			18						18
Cash dividends					(961)				(961)
Balance at Sep. 30, 2024		$ 183	$ 98,711		$ 210,853	$ (180,155)	$ 14		$ 129,606
Balance (in shares) at Sep. 30, 2024		6,769,247							6,769,247

[1] Cash dividends of $0.14 per share were paid in the quarter ended September 30, 2023.

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Stockholders' Equity (Parenthetical) - Restricted Stock - $ / shares	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Number of shares repurchase of distributed restricted stock in settlement of employees' withholding tax obligations	8,758
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, 2024	Sep. 30, 2023
Cash flows from operating activities:
Net income	$ 1,900	$ 1,762
Adjustments to reconcile net income to net cash provided by operating activities :
Depreciation and amortization	902	757
(Recovery of) provision for credit losses	(697)	545
Net unrealized gain on other equity investments	(25)
Stock-based compensation	173	49
Provision for deferred income taxes	626	96
(Decrease) increase in accounts payable, accrued interest and other liabilities	(1,009)	64
Decrease in prepaid expenses and other assets	689	91
Net cash provided by operating activities	2,559	3,364
Cash flows from investing activities:
Net increase in loans held for investment	4,727	3,562
Principal payments from investment securities - held to maturity	5,673	6,608
Principal payments from investment securities - available for sale	66	75
Purchase of premises and equipment	(171)	(564)
Net cash provided by investing activities	10,295	9,681
Cash flows from financing activities:
Net decrease in deposits	(24,484)	(19,440)
Proceeds from long-term borrowings	44,000	25,000
Repayments of long-term borrowings	(5,000)	(10,000)
Repayments of short-term borrowings, net	(28,000)	(15,000)
Treasury stock purchases	(1,464)	(495)
Withholding taxes on stock-based compensation	(128)
Cash dividends	(961)	(981)
Net cash used for financing activities	(16,037)	(20,916)
Net decrease in cash and cash equivalents	(3,183)	(7,871)
Cash and cash equivalents at beginning of period	51,376	65,849
Cash and cash equivalents at end of period	48,193	57,978
Supplemental information:
Cash paid for interest	$ 5,608	$ 3,808

Basis of Presentation

Basis of Presentation	3 Months Ended
Basis of Presentation	Sep. 30, 2024
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, 2024 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 fiscal year ended June 30, 2024 (“2024 Annual Form 10-K”). The results of operations for the quarter ended September 30, 2024 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2025.

Accounting Standard Updates ("A

Accounting Standard Updates ("ASU")	3 Months Ended
Accounting Standard Updates ("ASU")	Sep. 30, 2024
Accounting Standard Updates ("ASU")
Accounting Standard Updates ("ASU")	Note 2: Accounting Standard Updates (“ASU”) ASU 2023-09: In December 2023, the Financial Accounting Standards Board (“FASB”) issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. This ASU requires public business entities to annually (a) disclose specific categories in the rate reconciliation and (b) provide additional information for reconciling items that meet a quantitative threshold of equal to or greater than five percent of the amount computed by multiplying pretax income or loss by the applicable statutory income tax rate. This ASU is effective for annual periods beginning after December 15, 2024. Early adoption is permitted. The Corporation is in the process of reviewing the impact of this ASU and has not yet determined the impact of the adoption of this ASU on its consolidated financial statements. ASU 2023-07: In November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. This ASU improves reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. The key amendments include: (a) introduce a new requirement to disclose significant segment expenses regularly provided to the chief operating decision maker (“CODM”), (b) extend  certain annual disclosures to interim periods, (c) clarify single reportable segment entities must apply ASC 280 in its entirety, (d) permit more than one measure of segment profit or loss to be reported under certain conditions, and (e) require disclosure of the title and position of the CODM. This ASU is effective for public entities fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The Corporation is in the process of reviewing the impact of this ASU and has not yet determined the impact of the adoption of this ASU on its consolidated financial statements.

Earnings Per Share

Earnings Per Share	3 Months Ended
Earnings Per Share	Sep. 30, 2024
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, 2024 and 2023, there were outstanding stock options to purchase 238,000 shares and 434,500 shares of the Corporation’s common stock, respectively. As of September 30, 2024 and 2023, there were 140,000 and 434,500 outstanding stock options, respectively, excluded from the diluted EPS computation as their effect was anti-dilutive. As of September 30, 2024 and 2023, there were outstanding restricted stock awards of 152,200 shares and 51,000 shares, respectively. The following table provides the basic and diluted EPS computations for the quarters ended September 30, 2024 and 2023, respectively. For the Quarter Ended September 30, (In Thousands, Except Earnings Per Share) 2024 2023 Numerator: Net income – numerator for basic earnings per share and diluted earnings per share - available to common stockholders $ 1,900 $ 1,762 Denominator: Denominator for basic earnings per share: Weighted-average shares 6,833 7,017 Less effect of dilutive shares: Stock options — — Restricted stock 30 10 Denominator for diluted earnings per share: Adjusted weighted-average shares and assumed conversions 6,863 7,027 Basic earnings per share $ 0.28 $ 0.25 Diluted earnings per share $ 0.28 $ 0.25

Investment Securities

Investment Securities	3 Months Ended
Investment Securities	Sep. 30, 2024
Investment Securities
Investment Securities	Note 4: Investment Securities The amortized cost and estimated fair value of investment securities as of September 30, 2024 and June 30, 2024 were as follows: Gross Gross Estimated Amortized Unrealized Unrealized Fair Carrying September 30, 2024 Cost Gains (Losses) Value Value (In Thousands) Held to maturity U.S. government sponsored enterprise MBS (1) $ 120,128 $ 123 $ (11,264) $ 108,987 $ 120,128 U.S. government sponsored enterprise CMO (2) 3,700 — (157) 3,543 3,700 U.S. SBA securities (3) 440 — (1) 439 440 Total investment securities - held to maturity 124,268 123 (11,422) 112,969 124,268 Available for sale U.S. government agency MBS (1) 1,183 4 (2) 1,185 1,185 U.S. government sponsored enterprise MBS (1) 526 13 — 539 539 Private issue CMO (2) 86 — (1) 85 85 Total investment securities - available for sale 1,795 17 (3) 1,809 1,809 Total investment securities $ 126,063 $ 140 $ (11,425) $ 114,778 $ 126,077 (1) (2) (3) Gross Gross Estimated Amortized Unrealized Unrealized Fair Carrying June 30, 2024 Cost Gains (Losses) Value Value (In Thousands) Held to maturity U.S. government sponsored enterprise MBS $ 125,883 $ 76 $ (15,481) $ 110,478 $ 125,883 U.S. government sponsored enterprise CMO 3,713 — (253) 3,460 3,713 U.S. SBA securities 455 — — 455 455 Total investment securities - held to maturity 130,051 76 (15,734) 114,393 130,051 Available for sale U.S. government agency MBS 1,222 — (14) 1,208 1,208 U.S. government sponsored enterprise MBS 548 5 — 553 553 Private issue CMO 91 — (3) 88 88 Total investment securities - available for sale 1,861 5 (17) 1,849 1,849 Total investment securities $ 131,912 $ 81 $ (15,751) $ 116,242 $ 131,900 In the first quarter of fiscal 2025 and 2024, the Corporation received MBS principal payments of $5.7 million and $6.7 million, respectively, and there were no purchases or sales of investment securities during these periods. The Corporation held investments with an unrealized loss position of $11.4 million at September 30, 2024 and $15.8 million at June 30, 2024 as follows: As of September 30, 2024 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 $ — $ — $ 104,182 $ 11,264 $ 104,182 $ 11,264 U.S. government sponsored enterprise CMO — — 3,543 157 3,543 157 U.S. SBA securities 439 1 — — 439 1 Total investment securities - held to maturity 439 1 107,725 11,421 108,164 11,422 Available for sale U.S government agency MBS — — 389 2 389 2 Private issue CMO — — 16 1 16 1 Total investment securities - available for sale — — 405 3 405 3 Total investment securities $ 439 $ 1 108,130 $ 11,424 $ 108,569 $ 11,425 As of June 30, 2024 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 $ — $ — $ 105,530 $ 15,481 $ 105,530 $ 15,481 U.S. government sponsored enterprise CMO — — 3,460 253 3,460 253 U.S. SBA securities 455 — — — 455 — Total investment securities - held to maturity 455 — 108,990 15,734 109,445 15,734 Available for sale U.S government agency MBS 91 — 1,117 14 1,208 14 U.S. government sponsored enterprise MBS — — 8 — 8 — Private issue CMO — — 88 3 88 3 Total investment securities - available for sale 91 — 1,213 17 1,304 17 Total investment securities $ 546 $ — $ 110,203 $ 15,751 $ 110,749 $ 15,751 The Corporation evaluates individual investment securities quarterly for impairment based on the adoption of ASC 326 on July 1, 2023. At September 30, 2024, most of the $11.4 million of unrealized holding losses were in a loss position for 12 months or more, except $1,000 of unrealized holding losses were in a loss position for less than 12 months; while at June 30, 2024, all $15.8 million of unrealized holding losses were in a loss position for 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, which are predominately U.S. government sponsored enterprise securities that are either explicitly or implicitly guaranteed by the U.S. government and have a long history of no credit losses. Therefore, the Corporation has determined that the unrealized losses are due to the fluctuating nature of interest rates, and not related to any potential credit risks within the investment portfolio. The Bank does not currently intend to sell any investment securities classified as held to maturity recorded at amortized cost or available for sale recorded at fair market value as prescribed by GAAP. As a part of the Corporation’s monthly risk assessment, the Corporation runs a number of stressed liquidity scenarios to determine if it is more likely than not that the Bank will be required to sell the investment securities before the recovery of its amortized cost basis. These liquidity scenarios support the Corporation’s assessment that the Corporation has the ability to hold these held to maturity securities until maturity or available for sale securities until recovery of the amortized cost is realized and it is not more likely than not that the Corporation will be required to sell the securities prior to recovery of the amortized cost. There was no allowance for credit losses (“ACL”) on or impairment of investment securities held to maturity and there was no impairment of investment securities available for sale at September 30, 2024 and June 30, 2024. In order to maintain adequate liquidity, the Bank has established borrowing facilities with various counterparties. The Bank had a remaining borrowing capacity of $249.2 million as of September 30, 2024 at the FHLB of San Francisco. In addition, the Bank has secured an estimated $211.5 million discount window facility at the FRB of San Francisco collateralized by investment securities totaling $120.8 million and loans held for investment totaling $174.4 million as of September 30, 2024. As of September 30, 2024, the Bank also has an unsecured borrowing arrangement in the form of a federal funds facility with its correspondent bank for $50.0 million. The Bank had no advances under the Federal Reserve discount window or correspondent bank facility as of September 30, 2024. The total remaining available borrowing capacity across all sources totaled approximately $510.7 million at September 30, 2024. At June 30, 2024, the Bank had a remaining borrowing capacity of $261.3 million at the FHLB of San Francisco. In addition, the Bank had secured an estimated $208.6 million discount window facility at the FRB of San Francisco collateralized by investment securities totaling $126.6 million and loans held for investment totaling $178.6 million at June 30, 2024. As of June 30, 2024, the Bank also had an unsecured borrowing arrangement in the form of a federal funds facility with its correspondent bank for $50.0 million. The Bank had no advances under the Federal Reserve discount window or the correspondent bank facility as of June 30, 2024. The total remaining available borrowing capacity across all sources totaled approximately $519.9 million at June 30, 2024. At September 30, 2024 and 2023, the Corporation did not hold any investment securities held to maturity or investment securities available for sale with the intent to sell and determined it had the ability to hold these investment securities until maturity. It also determined that 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. Contractual maturities of investment securities as of September 30, 2024 and June 30, 2024 were as follows: September 30, 2024 June 30, 2024 Estimated Estimated Amortized Fair Amortized Fair (In Thousands) Cost Value Cost Value Held to maturity Due in one year or less $ 355 $ 352 $ 349 $ 343 Due after one through five years 3,710 3,628 4,328 4,167 Due after five through ten years 46,492 43,415 49,331 44,830 Due after ten years 73,711 65,574 76,043 65,053 Total investment securities - held to maturity 124,268 112,969 130,051 114,393 Available for sale Due in one year or less — — — — Due after one through five years — — — — Due after five through ten years 1,386 1,399 1,055 1,053 Due after ten years 409 410 806 796 Total investment securities - available for sale 1,795 1,809 1,861 1,849 Total investment securities $ 126,063 $ 114,778 $ 131,912 $ 116,242

Loans Held for Investment

Loans Held for Investment	3 Months Ended
Loans Held for Investment	Sep. 30, 2024
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) 2024 2024 Mortgage loans: Single-family $ 524,235 $ 518,091 Multi-family 435,782 445,182 Commercial real estate 81,169 83,349 Construction 2,816 2,692 Other 92 95 Commercial business loans 1,510 1,372 Consumer loans 63 65 Total loans held for investment, gross 1,045,667 1,050,846 Advance payments of escrows 127 102 Deferred loan costs, net 9,168 9,096 ACL on loans (6,329) (7,065) Total loans held for investment, net $ 1,048,633 $ 1,052,979 The following table sets forth information at September 30, 2024 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. At September 30, 2024 and June 30, 2024, fixed rate loans comprised 11 percent and 10 percent of loans held for investment, respectively. Adjustable rate loans 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 $ 49,597 $ 32,129 $ 122,075 $ 210,289 $ 110,145 $ 524,235 Multi-family 180,273 153,535 100,760 1,121 93 435,782 Commercial real estate 33,528 26,248 21,009 — 384 81,169 Construction 2,816 — — — — 2,816 Other — — — — 92 92 Commercial business loans 1,362 — — — 148 1,510 Consumer loans 63 — — — — 63 Total loans held for investment, gross $ 267,639 $ 211,912 $ 243,844 $ 211,410 $ 110,862 $ 1,045,667 The following tables present the Corporation’s commercial real estate loans by property types and LTVs as of September 30, 2024 and June 30, 2024: Owner Non-Owner % of Total Weighted September 30, 2024 Occupied Loan Occupied Loan Total Commercial Average (Dollars in Thousands) Balance Balance Balance Real Estate LTV (1) Office $ 5,818 $ 20,931 $ 26,749 33 % 42 % Mixed use (2) 289 15,673 15,962 20 35 % Retail — 11,108 11,108 14 31 % Warehouse 2,063 9,649 11,712 14 29 % Medical/dental office 2,426 4,576 7,002 9 46 % Mobile home park — 6,873 6,873 8 38 % Restaurant/fast food 688 498 1,186 1 40 % Automotive - non gasoline — 577 577 1 26 % Total commercial real estate $ 11,284 $ 69,885 $ 81,169 100 % 37 % (1) (2) Mixed use includes $6.9 million in Office/Retail, $4.7 million in Multi-family/Retail, $3.0 million in Other Mixed Use, $750,000 in Multi-family/Commercial and $679,000 in Multi-family/Office. Owner Non-Owner % of Total Weighted June 30, 2024 Occupied Loan Occupied Loan Total Commercial Average (Dollars in Thousands) Balance Balance Balance Real Estate LTV (1) Office $ 6,690 $ 20,084 $ 26,774 32 % 43 % Mixed use (2) 293 15,797 16,090 19 35 % Retail — 12,501 12,501 15 30 % Warehouse 2,076 9,848 11,924 14 31 % Mobile home park — 6,909 6,909 8 38 % Medical/dental office 2,439 4,645 7,084 9 44 % Restaurant/fast food 690 500 1,190 2 46 % Automotive - non gasoline — 578 578 1 26 % Live/work — 299 299 — 13 % Total commercial real estate $ 12,188 $ 71,161 $ 83,349 100 % 37 % (1) Current loan balance as a percentage of the original appraised value. (2) Mixed use includes $6.9 million in Office/Retail, $4.7 million in Multi-family/Retail, $3.0 million in Other Mixed Use, $754,000 in Multi-family/Commercial and $685,000 in Multi-family/Office. . The following tables present the Corporation’s commercial real estate loans by geographic concentration as of September 30, 2024 and June 30, 2024: Inland Southern Other September 30, 2024 Empire (1) California (2) California Total (Dollars in Thousands) Balance % Balance % Balance % Balance % Owner occupied: Office $ 696 12 % $ 4,933 85 % $ 189 3 % $ 5,818 100 % Mixed use — — % — — % 289 100 % 289 100 % Warehouse — — % 1,679 81 % 384 19 % 2,063 100 % Medical/dental office 275 11 % 1,782 74 % 369 15 % 2,426 100 % Restaurant/fast food — — % 688 100 % — — % 688 100 % Total owner occupied 971 9 % 9,082 80 % 1,231 11 % 11,284 100 % Non-owner occupied: Office 3,914 19 % 13,753 66 % 3,264 15 % 20,931 100 % Mixed use 473 3 % 6,209 40 % 8,991 57 % 15,673 100 % Retail 1,043 9 % 6,503 59 % 3,562 32 % 11,108 100 % Warehouse 600 6 % 4,749 49 % 4,300 45 % 9,649 100 % Mobile home park 4,834 70 % 356 5 % 1,683 25 % 6,873 100 % Medical/dental office 1,765 39 % 2,126 46 % 685 15 % 4,576 100 % Restaurant/fast food — — % 498 100 % — — % 498 100 % Automotive - non gasoline — — % 577 100 % — — % 577 100 % Total non-owner occupied 12,629 18 % 34,771 50 % 22,485 32 % 69,885 100 % Total commercial real estate $ 13,600 17 % $ 43,853 54 % $ 23,716 29 % $ 81,169 100 % (1) (2) Inland Southern Other June 30, 2024 Empire (1) California (2) California Total (Dollars in Thousands) Balance % Balance % Balance % Balance % Owner occupied: Office $ 1,540 23 % $ 4,959 74 % $ 191 3 % $ 6,690 100 % Mixed use — — % — — % 293 100 % 293 100 % Warehouse — — % 1,689 81 % 387 19 % 2,076 100 % Medical/dental office 276 11 % 1,791 74 % 372 15 % 2,439 100 % Restaurant/fast food — — 690 100 % — — % 690 100 % Total owner occupied 1,816 15 % 9,129 75 % 1,243 10 % 12,188 100 % Non-owner occupied: Office 2,951 15 % 13,837 69 % 3,296 16 % 20,084 100 % Mixed use 505 3 % 6,243 40 % 9,049 57 % 15,797 100 % Retail 1,050 8 % 6,996 56 % 4,455 36 % 12,501 100 % Warehouse 605 6 % 4,774 49 % 4,469 45 % 9,848 100 % Mobile home park 4,859 70 % 358 5 % 1,692 25 % 6,909 100 % Medical/dental office 1,797 39 % 2,159 46 % 689 15 % 4,645 100 % Restaurant/fast food — — % 500 100 % — — % 500 100 % Automotive - non gasoline — — % 578 100 % — — % 578 100 % Live/work — — % — — % 299 100 % 299 100 % Total non-owner occupied 11,767 16 % 35,445 50 % 23,949 34 % 71,161 100 % Total commercial real estate $ 13,583 16 % $ 44,574 54 % $ 25,192 30 % $ 83,349 100 % (1) Inland Empire comprised of San Bernardino and Riverside counties. (2) The Corporation has developed an internal loan grading system to evaluate and quantify loans held for investment with respect to quality and risk. Management continually evaluates the credit quality of the loan portfolio and conducts a quarterly review of the adequacy of the ACL. 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. The collectively evaluated allowance is based on a pooling method for groups of homogeneous loans sharing similar loan characteristics to calculate an allowance which reflects an estimate of lifetime expected credit losses using historical experience, current conditions, and reasonable and supportable forecasts. Loans identified to be individually evaluated have an allowance that is based upon the appraised value of the collateral, less selling costs or discounted cash flow with an appropriate default factor. The Corporation categorizes all 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 – A pass loan ranges 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 Corporation 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 Corporation 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 Corporation is not warranted. The following table presents the Corporation’s recorded investment in loans by risk categories and gross charge-offs by year of origination as of September 30, 2024: September 30, 2024 Term Loans by Year of Origination Revolving (In Thousands) 2024 2023 2022 2021 2020 Prior Loans Total Mortgage loans: Single-family: Pass $ 41,843 $ 57,053 $ 203,838 $ 146,983 $ 17,315 $ 55,137 $ 11 $ 522,180 Special Mention - - - - - - - - Substandard - - - - - 2,055 - 2,055 Total single-family 41,843 57,053 203,838 146,983 17,315 57,192 11 524,235 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Multi-family: Pass 15,539 28,819 75,389 85,494 59,775 168,609 - 433,625 Special Mention - - - - - 635 - 635 Substandard - - - 475 - 1,047 - 1,522 Total multi-family 15,539 28,819 75,389 85,969 59,775 170,291 - 435,782 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate: Pass 4,853 13,234 23,165 3,984 5,414 30,101 - 80,751 Special Mention - - - - - - - - Substandard - 418 - - - - - 418 Total commercial real estate 4,853 13,652 23,165 3,984 5,414 30,101 - 81,169 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Construction: Pass 1,480 236 1,100 - - - - 2,816 Special Mention - - - - - - - - Substandard - - - - - - - - Total construction 1,480 236 1,100 - - - - 2,816 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Other: Pass - - - - 92 - - 92 Special Mention - - - - - - - - Substandard - - - - - - - - Total other - - - - 92 - - 92 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Commercial business loans: Pass - - 124 - - - 1,386 1,510 Special Mention - - - - - - - - Substandard - - - - - - - - Total commercial business loans - - 124 - - - 1,386 1,510 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Consumer loans: Not graded 22 - - - - - - 22 Pass - - - - - - 41 41 Special Mention - - - - - - - - Substandard - - - - - - - - Total consumer loans 22 - - - - - 41 63 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Total loans held for investment, gross $ 63,737 $ 99,760 $ 303,616 $ 236,936 $ 82,596 $ 257,584 $ 1,438 $ 1,045,667 Total current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — The following table presents the Corporation’s recorded investment in loans by risk categories by year of origination as of June 30, 2024: June 30, 2024 Term Loans by Year of Origination Revolving (In Thousands) 2024 2023 2022 2021 2020 Prior Loans Total Mortgage loans: Single-family: Pass $ 19,476 $ 60,688 $ 205,817 $ 149,084 $ 19,606 $ 59,702 $ 14 $ 514,387 Special Mention - - - - - 1,111 - 1,111 Substandard - - - - - 2,593 - 2,593 Total single-family 19,476 60,688 205,817 149,084 19,606 63,406 14 518,091 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Multi-family: Pass 10,374 28,892 75,876 86,916 60,938 180,119 - 443,115 Special Mention - - - - - - - - Substandard - - - 478 - 1,589 - 2,067 Total multi-family 10,374 28,892 75,876 87,394 60,938 181,708 - 445,182 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate: Pass 3,874 13,763 23,298 4,018 5,450 32,946 - 83,349 Special Mention - - - - - - - - Substandard - - - - - - - - Total commercial real estate 3,874 13,763 23,298 4,018 5,450 32,946 - 83,349 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Construction: Pass 1,480 228 984 - - - - 2,692 Special Mention - - - - - - - - Substandard - - - - - - - - Total construction 1,480 228 984 - - - - 2,692 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Other: Pass - - - - 95 - - 95 Special Mention - - - - - - - - Substandard - - - - - - - - Total other - - - - 95 - - 95 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Commercial business loans: Pass - - 133 - - - 1,239 1,372 Special Mention - - - - - - - - Substandard - - - - - - - - Total commercial business loans - - 133 - - - 1,239 1,372 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Consumer loans: Not graded 23 - - - - - - 23 Pass - - - - - - 42 42 Special Mention - - - - - - - - Substandard - - - - - - - - Total consumer loans 23 - - - - - 42 65 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Total loans held for investment, gross $ 35,227 $ 103,571 $ 306,108 $ 240,496 $ 86,089 $ 278,060 $ 1,295 $ 1,050,846 Total current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — The ACL is a valuation account that is deducted from the related loans’ amortized cost basis to present the net amount expected to be collected on the loans. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. The Corporation’s ACL is calculated quarterly, with changes in the ACL recorded through an entry to the provision for (recovery of) credit losses. Management calculates the quantitative portion of the collectively evaluated allowance for all loan categories using an average charge-off or loss rate methodology and generally evaluates collectively evaluated loans by the Office of Comptroller of the Currency’s Call Report code in order to group and determine portfolio loan segments with similar risk characteristics. The Corporation primarily utilizes historical loss rates for the CECL calculation based on its own specific historical losses and/or with peer loss history where applicable. The expected loss rates are applied to expected monthly loan balances estimated through the consideration of contractual repayment terms and expected prepayments. The prepayment assumptions applied to expected cash flow over the contractual life of the loans are estimated based on historical and bank-specific experience and the consideration of current and expected conditions and circumstances including the level of interest rates. The prepayment assumptions may be updated by management in the event that changing conditions impact management’s estimate or additional historical data gathered has resulted in the need for a reevaluation. For its reasonable and supportable forecasting of current expected credit losses, the Corporation utilizes a regression model using forecasted economic metrics and historical loss data. The regression model utilized relies upon reasonable and supportable 12-month forecasts of the National Unemployment Rate and change in the Real Gross Domestic Product, after which it reverts to a historical loss rate. Management selected the National Unemployment Rate and the Real Gross Domestic Product as the drivers of the forward look component of the collectively evaluated allowance, primarily as a result of high correlation coefficients identified in regression modeling, the availability of forecasts, including the quarterly Federal Open Market Committee forecast, and the widespread familiarity of these economic metrics. Management recognizes that there are additional factors impacting risk of loss in the loan portfolio beyond what is captured in the quantitative portion of the allowance on collectively evaluated loans. As current and expected conditions may ● Changes in the experience, ability, and depth of lending management and other relevant staff. ● Changes in the value of underlying collateral for collateral-dependent loans. ● The existence and effect of any concentrations of credit, and changes in the level of such concentrations. ● Changes in international, national, regional, and local economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments. ● The effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the institution's existing portfolio. ● Changes in the volume and severity of past due loans, the volume of non-performing loans, and the volume and severity of adversely classified or graded loans. ● Changes in the quality of the Corporation’s loan review system. ● Changes in the nature, volume and terms of loans in the portfolio. ● Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses. The qualitative portion of the Corporation’s allowance on collectively evaluated loans are calculated using management judgment, to determine risk categorizations in each of the Q-factors presented above. The amount of qualitative allowance is also contingent upon the relative weighting of the Q-factors according to management’s judgment. Loans that do not share similar risk characteristics are evaluated on an individual basis. When management determines that foreclosure is probable or the borrower is experiencing financial difficulty, the expected credit losses are based on the fair value of collateral at the reporting date, less selling costs. Accrued interest receivable for loans is included in accrued interest receivable in the Condensed Consolidated Statements of Financial Condition. The Corporation elected not Pursuant to ASU 2022-02, “Troubled Debt Restructurings and Vintage Disclosures,” the Corporation may agree to different types of modifications, including principal forgiveness, interest rate reductions, term extension, significant payment delay or any combination of modifications noted above. During the quarters ended September 30, 2024 and 2023, there were no loan modifications to borrowers experiencing financial difficulties. Management believes the ACL on loans held for investment is maintained at a level sufficient to provide for expected losses on the Corporation’s loans held for investment based on historical loss experience, current conditions, and reasonable and supportable forecasts. The provision for (recovery of) credit losses is charged (credited) against operations on a quarterly basis, as necessary, to maintain the ACL at appropriate levels. Future adjustments to the ACL 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 previously modified from their original terms, were re-underwritten and identified as modified 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 ACL. For modified loans that are less than 90 days delinquent, the ACL is segregated into (a) individually evaluated allowances for those loans with applicable discounted cash flow calculations still in their modification 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 modified loans) or collateral fair value less estimated selling costs and if the fair value is higher than the loan balance, no allowance is required. A non-performing loan can be restored to accrual status when a borrower is current in payments for six consecutive months. The following table discloses additional details for the periods indicated on the Corporation’s ACL on loans held for investment: For the Quarter Ended September 30, (Dollars in Thousands) 2024 2023 ACL, beginning of period $ 7,065 $ 5,946 Impact of ASC 326 CECL adoption (1) — 1,197 (Recovery of) provision for credit losses (736) 536 Total recoveries — — Total charge-offs — — Net recoveries (charge-offs) — — ACL, end of period $ 6,329 $ 7,679 ACL on loans as a percentage of gross loans held for investment 0.61 % 0.72 % Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) — % — % ACL on loans as a percentage of gross non-performing loans at the end of the period 297.00 % 545.38 % (1) Represents the impact of adopting ASC 326 on July 1, 2023. Since that date, as a result of adopting ASC 326, the methodology to compute the ACL has been based on CECL methodology, rather than the previously applied incurred loss methodology. 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, 2024 30-89 Days Past Total Loans Held for (In Thousands) Current Due Non-Performing Investment, Gross Mortgage loans: Single-family $ 522,180 $ — $ 2,055 $ 524,235 Multi-family 435,782 — — 435,782 Commercial real estate 81,169 — — 81,169 Construction 2,816 — — 2,816 Other 92 — — 92 Commercial business loans 1,510 — — 1,510 Consumer loans 61 2 — 63 Total loans held for investment, gross $ 1,043,610 $ 2 $ 2,055 $ 1,045,667 June 30, 2024 30-89 Days Past Total Loans Held for (In Thousands) Current Due Non-Performing Investment, Gross Mortgage loans: Single-family $ 515,498 $ — $ 2,593 $ 518,091 Multi-family 445,182 — — 445,182 Commercial real estate 83,349 — — 83,349 Construction 2,692 — — 2,692 Other 95 — — 95 Commercial business loans 1,372 — — 1,372 Consumer loans 64 1 — 65 Total loans held for investment, gross $ 1,048,252 $ 1 $ 2,593 $ 1,050,846 The following tables summarize the Corporation’s ACL and recorded investment in gross loans, by portfolio type, at the dates and for the periods indicated. Quarter Ended September 30, 2024 Single- Multi- Commercial Commercial (Dollars In Thousands) family family Real Estate Construction Other Business Consumer Total ACL: ACL, beginning of period $ 6,295 $ 595 $ 66 $ 97 $ 1 $ 11 $ — $ 7,065 Recovery of credit losses (616) (92) (8) (19) — (1) — (736) Recoveries — — — — — — — — Charge-offs — — — — — — — — ACL, end of period $ 5,679 $ 503 $ 58 $ 78 $ 1 $ 10 $ — $ 6,329 ACL: Individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ — Collectively evaluated for impairment 5,679 503 58 78 1 10 — 6,329 ACL, end of period $ 5,679 $ 503 $ 58 $ 78 $ 1 $ 10 $ — $ 6,329 Loans held for investment: Individually evaluated for impairment $ 732 $ — $ — $ — $ — $ — $ — $ 732 Collectively evaluated for impairment 523,503 435,782 81,169 2,816 92 1,510 63 1,044,935 Total loans held for investment, gross $ 524,235 $ 435,782 $ 81,169 $ 2,816 $ 92 $ 1,510 $ 63 $ 1,045,667 ACL on loans as a percentage of gross loans held for investment 1.08 % 0.12 % 0.07 % 2.77 % 1.09 % 0.66 % — % 0.61 % Net (recoveries) charge-offs to average loans receivable, net during the period — % — % — % — % — % — % — % — % Quarter Ended September 30, 2023 Single- Multi- Commercial Commercial (Dollars In Thousands) family family Real Estate Construction Other Business Consumer Total ACL: ACL, beginning of period $ 1,720 $ 3,270 $ 868 $ 15 $ 2 $ 67 $ 4 $ 5,946 Adjustment to allowance for adoption of ASC 326 4,605 (2,614) (786) 47 3 (54) (4) 1,197 Provision for (recovery of) credit losses 550 3 (6) (8) (1) (2) — 536 Recoveries — — — — — — — — Charge-offs — — — — — — — — ACL, end of period $ 6,875 $ 659 $ 76 $ 54 $ 4 $ 11 $ — $ 7,679 ACL: Individually evaluated for impairment $ 37 $ — $ — $ — $ — $ — $ — $ 37 Collectively evaluated for impairment 6,838 659 76 54 4 11 — 7,642 ACL, end of period $ 6,875 $ 659 $ 76 $ 54 $ 4 $ 11 $ — $ 7,679 Loans held for investment: Individually evaluated for impairment $ 990 $ — $ — $ — $ — $ — $ — $ 990 Collectively evaluated for impairment 520,586 457,351 87,954 2,100 104 1,321 62 1,069,478 Total loans held for investment, gross $ 521,576 $ 457,351 $ 87,954 $ 2,100 $ 104 $ 1,321 $ 62 $ 1,070,468 ACL on loans as a percentage of gross loans held for investment 1.32 % 0.14 % 0.09 % 2.57 % 3.85 % 0.83 % — % 0.72 % Net (recoveries) charge-offs to average loans receivable, net during the

Derivative and Other Financial

Derivative and Other Financial Instruments with Off-Balance Sheet Risks	3 Months Ended
	Sep. 30, 2024
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, 2024 and June 30, 2024, the Corporation had commitments to extend credit on loans to be held for investment of $15.3 million and $9.4 million, respectively. The following table provides information regarding unfunded loan commitments, which are comprised of undisbursed funds on construction loans, undisbursed funds to borrowers on existing lines of credit with the Corporation and commitments to originate loans to be held for investment at the dates indicated below. Commitments September 30, 2024 June 30, 2024 (In Thousands) Undisbursed loan funds – Construction loans $ 311 $ 435 Undisbursed lines of credit – Mortgage loans 270 — Undisbursed lines of credit – Commercial business loans 2,889 2,936 Undisbursed lines of credit – Consumer loans 337 341 Commitments to extend credit on loans to be held for investment 15,252 9,387 Total $ 19,059 $ 13,099 In accordance with ASC 815, “Derivatives and Hedging,” and interpretations of the Derivatives Implementation Group of the 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, 2024 and June 30, 2024, 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 monthly to compensate the Bank for accepting the recourse obligation. As of September 30, 2024 and June 30, 2024, the Bank serviced $3.0 million and $3.1 million of loans under this program, respectively, and has established a recourse liability of $7,000 and $8,000, respectively. 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, 2024 and 2023, 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 $16,000 and $18,000 for loans sold to other investors at September 30, 2024 and June 30, 2024, respectively. The following table shows the summary of the recourse liability for the quarters ended September 30, 2024 and 2023: For the Quarter Ended September 30, Recourse Liability 2024 2023 (In Thousands) Balance, beginning of the period $ 26 $ 33 (Recovery) provision for recourse liability (3) — Net settlements in lieu of loan repurchases — — Balance, end of the period $ 23 $ 33

Fair Value of Financial Instrum

Fair Value of Financial Instruments	3 Months Ended
Fair Value of Financial Instruments	Sep. 30, 2024
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. The Corporation elected the fair value option on loans held for investment which were previously originated for sale. 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, 2024: Loans held for investment, at fair value $ 1,082 $ 1,190 $ (108) As of June 30, 2024: Loans held for investment, at fair value $ 1,047 $ 1,200 $ (153) 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. Valuation techniques may include the use of discounted cash flow models and similar techniques. 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, other equity investments and interest-only strips; while loans with individually evaluated allowances and mortgage servicing assets (“MSA”) 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 private issue 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 private issue 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 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). Loans with an individually evaluated allowance that are recorded at fair value on a nonrecurring basis are loans which are inadequately protected by the current sound worth and paying capacity of the borrower(s) or of the collateral pledged. These 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 loan with an individually evaluated allowance is determined based on the discounted cash flow 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 collateral. For commercial real estate loans with an individually evaluated allowance, the fair value is derived from the appraised value of its collateral. Loans with an individually evaluated allowance are reviewed and evaluated on at least a quarterly basis for additional allowance and adjusted accordingly, based on the same factors identified above (Level 3). 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 ACL. These adjustments to the estimated fair value of loans with an individually evaluated allowance may result in increases or decreases to the provision for (recovery of) credit losses recorded in current earnings. The fair value of other equity investments is derived from quoted prices in active markets for the equivalent or similar investments (Level 2). The Corporation uses the amortization method for its MSA, which amortizes the MSA in proportion to the current MSA balance to the original MSA balance 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 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, 2024 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 1,185 $ — $ 1,185 U.S. government sponsored enterprise MBS — 539 — 539 Private issue CMO — — 85 85 Investment securities - available for sale — 1,724 85 1,809 Loans held for investment, at fair value — — 1,082 1,082 Other equity investments, fair value — 565 — 565 Interest-only strips — — 6 6 Total assets $ — $ 2,289 $ 1,173 $ 3,462 Liabilities: $ — $ — $ — $ — Total liabilities $ — $ — $ — $ — Fair Value Measurement at June 30, 2024 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 1,208 $ — $ 1,208 U.S. government sponsored enterprise MBS — 553 — 553 Private issue CMO — — 88 88 Investment securities - available for sale — 1,761 88 1,849 Loans held for investment, at fair value — — 1,047 1,047 Other equity investments, fair value — 540 — 540 Interest-only strips — — 8 8 Total assets $ — $ 2,301 $ 1,143 $ 3,444 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, 2024 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, 2024 $ 88 $ 1,047 $ 8 $ 1,143 Total gains or losses (realized/unrealized): Included in earnings — 45 — 45 Included in other comprehensive income 2 — (2) — Purchases — — — — Issuances — — — — Settlements (5) (10) — (15) Transfers in and/or out of Level 3 — — — — Ending balance at September 30, 2024 $ 85 $ 1,082 $ 6 $ 1,173 (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, 2023 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, 2023 $ 102 $ 1,312 $ 9 $ 1,423 Adjustment due to ASC 326 CECL adoption — 28 — 28 Total gains or losses (realized/unrealized): Included in earnings — (52) — (52) Included in other comprehensive loss (1) — — (1) Purchases — — — — Issuances — — — — Settlements (3) (227) — (230) Transfers in and/or out of Level 3 — — — — Ending balance at September 30, 2023 $ 98 $ 1,061 $ 9 $ 1,168 (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. 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, 2024 Using: (In Thousands) Level 1 Level 2 Level 3 Total Loans with individually evaluated allowance $ — $ — $ — $ — Mortgage servicing assets — — 101 101 Total $ — $ — $ 101 $ 101 Fair Value Measurement at June 30, 2024 Using: (In Thousands) Level 1 Level 2 Level 3 Total Loans with individually evaluated allowance $ — $ — $ 695 $ 695 Mortgage servicing assets — — 87 87 Total $ — $ — $ 782 $ 782 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, 2024: Impact to Fair Value Valuation As of from an September 30, Valuation Range (1) Increase in (Dollars In Thousands) 2024 Techniques Unobservable Inputs (Weighted Average) Inputs (2) Assets: Securities available-for sale: Private issue CMO $ 85 Market comparable pricing Comparability adjustment 0.4% - (3.6%) (0.4%) Increase Loans held for investment, at fair value $ 1,082 Relative value analysis Broker quotes 90.3% - 92.8% (91.9%) Increase ACL factors 0.8% - 1.1% (1.0%) Decrease Mortgage servicing assets $ 101 Discounted cash flow Prepayment speed (CPR) 6.2% - 60.0% (14.9%) Decrease Discount rate 9.0% - 10.5% (9.1%) Decrease Interest-only strips $ 6 Discounted cash flow Prepayment speed (CPR) 11.2% - 25.7% (20.9%) 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 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. 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, 2024 and June 30, 2024 was as follows: September 30, 2024 Carrying Fair (In Thousands) Amount Value Level 1 Level 2 Level 3 Financial assets: Loans held for investment, not recorded at fair value $ 1,047,551 $ 1,000,376 $ — $ — $ 1,000,376 Investment securities - held to maturity $ 124,268 $ 112,969 $ — $ 112,969 $ — FHLB – San Francisco stock $ 9,568 $ 9,568 $ — $ 9,568 $ — Financial liabilities: Deposits $ 863,864 $ 864,774 $ — $ 864,774 $ — Borrowings $ 249,500 $ 250,401 $ — $ 250,401 $ — June 30, 2024 Carrying Fair (In Thousands) Amount Value Level 1 Level 2 Level 3 Financial assets: Loans held for investment, not recorded at fair value $ 1,051,932 $ 973,453 $ — $ — $ 973,453 Investment securities - held to maturity $ 130,051 $ 114,393 $ — $ 114,393 $ — FHLB – San Francisco stock $ 9,568 $ 9,568 $ — $ 9,568 $ — Financial liabilities: Deposits $ 888,348 $ 888,527 $ — $ 888,527 $ — Borrowings $ 238,500 $ 237,691 $ — $ 237,691 $ — 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 similar loans would be made to borrowers, or (ii) quoted market prices. Investment securities - held to maturity: The investment securities - held to maturity consist of U.S. SBA securities, U.S. government sponsored enterprise MBS and U.S. government sponsored enterprise CMO. For the U.S. SBA securities and U.S. government sponsored enterprise MBS and CMO, the Corporation utilizes quoted prices in active markets for similar securities for its fair value measurement. 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 observable inputs, including rates currently offered for deposits of similar remaining maturities. The fair value of transaction accounts (checking, money market and savings accounts) is equal to the carrying amounts payable on demand. 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. For the first quarter of fiscal 2025, 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
Revenue From Contracts With Customers	Sep. 30, 2024
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, except for 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 monthly, 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, 2024 and 2023: Quarter Ended September 30, Type of Services 2024 2023 (In Thousands) Loan servicing and other fees (1) $ 104 $ (21) Deposit account fees 298 288 Card and processing fees 320 353 Other (2) 177 131 Total non-interest income $ 899 $ 751 (1) Not within the scope of ASC 606. (2) Includes net BOLI income of $46 thousand and $46 thousand, net loss on sale of loans of $21 thousand and $0 , and net unrealized gain on other equity investments of $25 thousand and $0 for the quarters ended September 30, 2024 and 2023 , which are not within the scope of ASC 606. For both the quarters ended September 30, 2024 and 2023, 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 fees

Leases

Leases	3 Months Ended
Leases	Sep. 30, 2024
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, 2024, 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. Since 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, 2024 and 2023, expenses associated with the Corporation’s leases totaled $217,000 and $247,000, respectively. Expenses associated with the Corporation’s leases are recorded in either premises and occupancy or equipment, as applicable, in the Condensed Consolidated Statements of Operations. The following tables present supplemental information related to operating leases at the date and for the periods indicated: As of (In Thousands) September 30, 2024 June 30, 2024 Condensed Consolidated Statements of Condition: Premises and equipment - Operating lease right-of-use assets $ 1,697 $ 1,356 Accounts payable, accrued interest and other liabilities – Operating lease liabilities $ 1,747 $ 1,407 Quarter Ended September 30, (In Thousands) 2024 2023 Condensed Consolidated Statements of Operations: Premises and occupancy expenses from operating leases (1) $ 182 $ 213 Equipment expenses from operating leases 35 34 Total lease expense $ 217 $ 247 (1) Includes immaterial variable lease costs. Quarter Ended Quarter Ended (In Thousands) September 30, 2024 September 30, 2023 Condensed Consolidated Statements of Cash Flows: Operating cash flows from operating leases, net $ 213 $ 231 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, 2024: Amount (1) Fiscal Year Ending June 30, (In Thousands) Remainder of fiscal 2025 $ 536 Fiscal 2026 538 Fiscal 2027 347 Fiscal 2028 291 Fiscal 2029 141 Thereafter 11 Total contract lease payments $ 1,864 Total liability to make lease payments $ 1,747 Difference in undiscounted and discounted future lease payments $ 117 Weighted average discount rate 3.47 % Weighted average remaining lease term (years) 3.3 (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
Stock Repurchases	Sep. 30, 2024
Stock Repurchases
Stock Repurchases	Note 10: Stock Repurchases On September 28, 2023, the Corporation’s Board of Directors announced a stock repurchase plan, authorizing the purchase of up to 350,353 shares of the Corporation’s outstanding common stock over a one-year period. On September 26, 2024, the Board extended the existing stock repurchase plan, which had 99,968 shares remaining available for purchase as of that date, until September 26, 2025 or until completion, whichever occurs first. During the quarter ended September 30, 2024, the Corporation purchased 93,641 shares of its common stock under the existing stock repurchase plan with a weighted average cost of $14.26 per share. As of September 30, 2024, 95,475 shares or 27 percent of authorized common stock under the existing plan remain available for purchase.

Subsequent Events

Subsequent Events	3 Months Ended
Subsequent Events	Sep. 30, 2024
Subsequent Events
Subsequent Events	Note 11: Subsequent Events On October 24, 2024, the Corporation announced that the 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 14, 2024 are entitled to receive the cash dividend. The cash dividend will be payable on December 5, 2024.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 1,900	$ 1,762

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Basis of Presentation (Policies

Basis of Presentation (Policies)	3 Months Ended
Basis of Presentation (Policies)	Sep. 30, 2024
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, 2024 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 fiscal year ended June 30, 2024 (“2024 Annual Form 10-K”). The results of operations for the quarter ended September 30, 2024 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2025.
Accounting Standard Updates ("ASU")	ASU 2023-09: In December 2023, the Financial Accounting Standards Board (“FASB”) issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. This ASU requires public business entities to annually (a) disclose specific categories in the rate reconciliation and (b) provide additional information for reconciling items that meet a quantitative threshold of equal to or greater than five percent of the amount computed by multiplying pretax income or loss by the applicable statutory income tax rate. This ASU is effective for annual periods beginning after December 15, 2024. Early adoption is permitted. The Corporation is in the process of reviewing the impact of this ASU and has not yet determined the impact of the adoption of this ASU on its consolidated financial statements. ASU 2023-07: In November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. This ASU improves reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. The key amendments include: (a) introduce a new requirement to disclose significant segment expenses regularly provided to the chief operating decision maker (“CODM”), (b) extend  certain annual disclosures to interim periods, (c) clarify single reportable segment entities must apply ASC 280 in its entirety, (d) permit more than one measure of segment profit or loss to be reported under certain conditions, and (e) require disclosure of the title and position of the CODM. This ASU is effective for public entities fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The Corporation is in the process of reviewing the impact of this ASU and has not yet determined the impact of the adoption of this ASU on its consolidated financial statements.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
Earnings Per Share (Tables)	Sep. 30, 2024
Earnings Per Share
Schedule of earnings per share, basic and diluted	For the Quarter Ended September 30, (In Thousands, Except Earnings Per Share) 2024 2023 Numerator: Net income – numerator for basic earnings per share and diluted earnings per share - available to common stockholders $ 1,900 $ 1,762 Denominator: Denominator for basic earnings per share: Weighted-average shares 6,833 7,017 Less effect of dilutive shares: Stock options — — Restricted stock 30 10 Denominator for diluted earnings per share: Adjusted weighted-average shares and assumed conversions 6,863 7,027 Basic earnings per share $ 0.28 $ 0.25 Diluted earnings per share $ 0.28 $ 0.25

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
Investment Securities (Tables)	Sep. 30, 2024
Investment Securities
Schedule of available-for-sale securities reconciliation	Gross Gross Estimated Amortized Unrealized Unrealized Fair Carrying September 30, 2024 Cost Gains (Losses) Value Value (In Thousands) Held to maturity U.S. government sponsored enterprise MBS (1) $ 120,128 $ 123 $ (11,264) $ 108,987 $ 120,128 U.S. government sponsored enterprise CMO (2) 3,700 — (157) 3,543 3,700 U.S. SBA securities (3) 440 — (1) 439 440 Total investment securities - held to maturity 124,268 123 (11,422) 112,969 124,268 Available for sale U.S. government agency MBS (1) 1,183 4 (2) 1,185 1,185 U.S. government sponsored enterprise MBS (1) 526 13 — 539 539 Private issue CMO (2) 86 — (1) 85 85 Total investment securities - available for sale 1,795 17 (3) 1,809 1,809 Total investment securities $ 126,063 $ 140 $ (11,425) $ 114,778 $ 126,077 (1) (2) (3) Gross Gross Estimated Amortized Unrealized Unrealized Fair Carrying June 30, 2024 Cost Gains (Losses) Value Value (In Thousands) Held to maturity U.S. government sponsored enterprise MBS $ 125,883 $ 76 $ (15,481) $ 110,478 $ 125,883 U.S. government sponsored enterprise CMO 3,713 — (253) 3,460 3,713 U.S. SBA securities 455 — — 455 455 Total investment securities - held to maturity 130,051 76 (15,734) 114,393 130,051 Available for sale U.S. government agency MBS 1,222 — (14) 1,208 1,208 U.S. government sponsored enterprise MBS 548 5 — 553 553 Private issue CMO 91 — (3) 88 88 Total investment securities - available for sale 1,861 5 (17) 1,849 1,849 Total investment securities $ 131,912 $ 81 $ (15,751) $ 116,242 $ 131,900
Schedule of investments with unrealized loss position	As of September 30, 2024 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 $ — $ — $ 104,182 $ 11,264 $ 104,182 $ 11,264 U.S. government sponsored enterprise CMO — — 3,543 157 3,543 157 U.S. SBA securities 439 1 — — 439 1 Total investment securities - held to maturity 439 1 107,725 11,421 108,164 11,422 Available for sale U.S government agency MBS — — 389 2 389 2 Private issue CMO — — 16 1 16 1 Total investment securities - available for sale — — 405 3 405 3 Total investment securities $ 439 $ 1 108,130 $ 11,424 $ 108,569 $ 11,425 As of June 30, 2024 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 $ — $ — $ 105,530 $ 15,481 $ 105,530 $ 15,481 U.S. government sponsored enterprise CMO — — 3,460 253 3,460 253 U.S. SBA securities 455 — — — 455 — Total investment securities - held to maturity 455 — 108,990 15,734 109,445 15,734 Available for sale U.S government agency MBS 91 — 1,117 14 1,208 14 U.S. government sponsored enterprise MBS — — 8 — 8 — Private issue CMO — — 88 3 88 3 Total investment securities - available for sale 91 — 1,213 17 1,304 17 Total investment securities $ 546 $ — $ 110,203 $ 15,751 $ 110,749 $ 15,751
Schedule of investments classified by contractual maturity	September 30, 2024 June 30, 2024 Estimated Estimated Amortized Fair Amortized Fair (In Thousands) Cost Value Cost Value Held to maturity Due in one year or less $ 355 $ 352 $ 349 $ 343 Due after one through five years 3,710 3,628 4,328 4,167 Due after five through ten years 46,492 43,415 49,331 44,830 Due after ten years 73,711 65,574 76,043 65,053 Total investment securities - held to maturity 124,268 112,969 130,051 114,393 Available for sale Due in one year or less — — — — Due after one through five years — — — — Due after five through ten years 1,386 1,399 1,055 1,053 Due after ten years 409 410 806 796 Total investment securities - available for sale 1,795 1,809 1,861 1,849 Total investment securities $ 126,063 $ 114,778 $ 131,912 $ 116,242

Loans Held for Investment (Tabl

Loans Held for Investment (Tables)	3 Months Ended
Loans Held for Investment (Tables)	Sep. 30, 2024
Loans Held for Investment
Schedule of loans held for investment	September 30, June 30, (In Thousands) 2024 2024 Mortgage loans: Single-family $ 524,235 $ 518,091 Multi-family 435,782 445,182 Commercial real estate 81,169 83,349 Construction 2,816 2,692 Other 92 95 Commercial business loans 1,510 1,372 Consumer loans 63 65 Total loans held for investment, gross 1,045,667 1,050,846 Advance payments of escrows 127 102 Deferred loan costs, net 9,168 9,096 ACL on loans (6,329) (7,065) Total loans held for investment, net $ 1,048,633 $ 1,052,979
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 $ 49,597 $ 32,129 $ 122,075 $ 210,289 $ 110,145 $ 524,235 Multi-family 180,273 153,535 100,760 1,121 93 435,782 Commercial real estate 33,528 26,248 21,009 — 384 81,169 Construction 2,816 — — — — 2,816 Other — — — — 92 92 Commercial business loans 1,362 — — — 148 1,510 Consumer loans 63 — — — — 63 Total loans held for investment, gross $ 267,639 $ 211,912 $ 243,844 $ 211,410 $ 110,862 $ 1,045,667
Schedule of commercial real estate loans by property types and LTVs	Owner Non-Owner % of Total Weighted September 30, 2024 Occupied Loan Occupied Loan Total Commercial Average (Dollars in Thousands) Balance Balance Balance Real Estate LTV (1) Office $ 5,818 $ 20,931 $ 26,749 33 % 42 % Mixed use (2) 289 15,673 15,962 20 35 % Retail — 11,108 11,108 14 31 % Warehouse 2,063 9,649 11,712 14 29 % Medical/dental office 2,426 4,576 7,002 9 46 % Mobile home park — 6,873 6,873 8 38 % Restaurant/fast food 688 498 1,186 1 40 % Automotive - non gasoline — 577 577 1 26 % Total commercial real estate $ 11,284 $ 69,885 $ 81,169 100 % 37 % (1) (2) Mixed use includes $6.9 million in Office/Retail, $4.7 million in Multi-family/Retail, $3.0 million in Other Mixed Use, $750,000 in Multi-family/Commercial and $679,000 in Multi-family/Office. Owner Non-Owner % of Total Weighted June 30, 2024 Occupied Loan Occupied Loan Total Commercial Average (Dollars in Thousands) Balance Balance Balance Real Estate LTV (1) Office $ 6,690 $ 20,084 $ 26,774 32 % 43 % Mixed use (2) 293 15,797 16,090 19 35 % Retail — 12,501 12,501 15 30 % Warehouse 2,076 9,848 11,924 14 31 % Mobile home park — 6,909 6,909 8 38 % Medical/dental office 2,439 4,645 7,084 9 44 % Restaurant/fast food 690 500 1,190 2 46 % Automotive - non gasoline — 578 578 1 26 % Live/work — 299 299 — 13 % Total commercial real estate $ 12,188 $ 71,161 $ 83,349 100 % 37 % (1) Current loan balance as a percentage of the original appraised value. (2) Mixed use includes $6.9 million in Office/Retail, $4.7 million in Multi-family/Retail, $3.0 million in Other Mixed Use, $754,000 in Multi-family/Commercial and $685,000 in Multi-family/Office. .
Schedule of commercial real estate loans by geographic concentration	Inland Southern Other September 30, 2024 Empire (1) California (2) California Total (Dollars in Thousands) Balance % Balance % Balance % Balance % Owner occupied: Office $ 696 12 % $ 4,933 85 % $ 189 3 % $ 5,818 100 % Mixed use — — % — — % 289 100 % 289 100 % Warehouse — — % 1,679 81 % 384 19 % 2,063 100 % Medical/dental office 275 11 % 1,782 74 % 369 15 % 2,426 100 % Restaurant/fast food — — % 688 100 % — — % 688 100 % Total owner occupied 971 9 % 9,082 80 % 1,231 11 % 11,284 100 % Non-owner occupied: Office 3,914 19 % 13,753 66 % 3,264 15 % 20,931 100 % Mixed use 473 3 % 6,209 40 % 8,991 57 % 15,673 100 % Retail 1,043 9 % 6,503 59 % 3,562 32 % 11,108 100 % Warehouse 600 6 % 4,749 49 % 4,300 45 % 9,649 100 % Mobile home park 4,834 70 % 356 5 % 1,683 25 % 6,873 100 % Medical/dental office 1,765 39 % 2,126 46 % 685 15 % 4,576 100 % Restaurant/fast food — — % 498 100 % — — % 498 100 % Automotive - non gasoline — — % 577 100 % — — % 577 100 % Total non-owner occupied 12,629 18 % 34,771 50 % 22,485 32 % 69,885 100 % Total commercial real estate $ 13,600 17 % $ 43,853 54 % $ 23,716 29 % $ 81,169 100 % (1) (2) Inland Southern Other June 30, 2024 Empire (1) California (2) California Total (Dollars in Thousands) Balance % Balance % Balance % Balance % Owner occupied: Office $ 1,540 23 % $ 4,959 74 % $ 191 3 % $ 6,690 100 % Mixed use — — % — — % 293 100 % 293 100 % Warehouse — — % 1,689 81 % 387 19 % 2,076 100 % Medical/dental office 276 11 % 1,791 74 % 372 15 % 2,439 100 % Restaurant/fast food — — 690 100 % — — % 690 100 % Total owner occupied 1,816 15 % 9,129 75 % 1,243 10 % 12,188 100 % Non-owner occupied: Office 2,951 15 % 13,837 69 % 3,296 16 % 20,084 100 % Mixed use 505 3 % 6,243 40 % 9,049 57 % 15,797 100 % Retail 1,050 8 % 6,996 56 % 4,455 36 % 12,501 100 % Warehouse 605 6 % 4,774 49 % 4,469 45 % 9,848 100 % Mobile home park 4,859 70 % 358 5 % 1,692 25 % 6,909 100 % Medical/dental office 1,797 39 % 2,159 46 % 689 15 % 4,645 100 % Restaurant/fast food — — % 500 100 % — — % 500 100 % Automotive - non gasoline — — % 578 100 % — — % 578 100 % Live/work — — % — — % 299 100 % 299 100 % Total non-owner occupied 11,767 16 % 35,445 50 % 23,949 34 % 71,161 100 % Total commercial real estate $ 13,583 16 % $ 44,574 54 % $ 25,192 30 % $ 83,349 100 % (1) Inland Empire comprised of San Bernardino and Riverside counties. (2)
Schedule of gross loans held for investment by loan types and risk category	September 30, 2024 Term Loans by Year of Origination Revolving (In Thousands) 2024 2023 2022 2021 2020 Prior Loans Total Mortgage loans: Single-family: Pass $ 41,843 $ 57,053 $ 203,838 $ 146,983 $ 17,315 $ 55,137 $ 11 $ 522,180 Special Mention - - - - - - - - Substandard - - - - - 2,055 - 2,055 Total single-family 41,843 57,053 203,838 146,983 17,315 57,192 11 524,235 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Multi-family: Pass 15,539 28,819 75,389 85,494 59,775 168,609 - 433,625 Special Mention - - - - - 635 - 635 Substandard - - - 475 - 1,047 - 1,522 Total multi-family 15,539 28,819 75,389 85,969 59,775 170,291 - 435,782 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate: Pass 4,853 13,234 23,165 3,984 5,414 30,101 - 80,751 Special Mention - - - - - - - - Substandard - 418 - - - - - 418 Total commercial real estate 4,853 13,652 23,165 3,984 5,414 30,101 - 81,169 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Construction: Pass 1,480 236 1,100 - - - - 2,816 Special Mention - - - - - - - - Substandard - - - - - - - - Total construction 1,480 236 1,100 - - - - 2,816 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Other: Pass - - - - 92 - - 92 Special Mention - - - - - - - - Substandard - - - - - - - - Total other - - - - 92 - - 92 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Commercial business loans: Pass - - 124 - - - 1,386 1,510 Special Mention - - - - - - - - Substandard - - - - - - - - Total commercial business loans - - 124 - - - 1,386 1,510 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Consumer loans: Not graded 22 - - - - - - 22 Pass - - - - - - 41 41 Special Mention - - - - - - - - Substandard - - - - - - - - Total consumer loans 22 - - - - - 41 63 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Total loans held for investment, gross $ 63,737 $ 99,760 $ 303,616 $ 236,936 $ 82,596 $ 257,584 $ 1,438 $ 1,045,667 Total current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — June 30, 2024 Term Loans by Year of Origination Revolving (In Thousands) 2024 2023 2022 2021 2020 Prior Loans Total Mortgage loans: Single-family: Pass $ 19,476 $ 60,688 $ 205,817 $ 149,084 $ 19,606 $ 59,702 $ 14 $ 514,387 Special Mention - - - - - 1,111 - 1,111 Substandard - - - - - 2,593 - 2,593 Total single-family 19,476 60,688 205,817 149,084 19,606 63,406 14 518,091 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Multi-family: Pass 10,374 28,892 75,876 86,916 60,938 180,119 - 443,115 Special Mention - - - - - - - - Substandard - - - 478 - 1,589 - 2,067 Total multi-family 10,374 28,892 75,876 87,394 60,938 181,708 - 445,182 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate: Pass 3,874 13,763 23,298 4,018 5,450 32,946 - 83,349 Special Mention - - - - - - - - Substandard - - - - - - - - Total commercial real estate 3,874 13,763 23,298 4,018 5,450 32,946 - 83,349 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Construction: Pass 1,480 228 984 - - - - 2,692 Special Mention - - - - - - - - Substandard - - - - - - - - Total construction 1,480 228 984 - - - - 2,692 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Other: Pass - - - - 95 - - 95 Special Mention - - - - - - - - Substandard - - - - - - - - Total other - - - - 95 - - 95 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Commercial business loans: Pass - - 133 - - - 1,239 1,372 Special Mention - - - - - - - - Substandard - - - - - - - - Total commercial business loans - - 133 - - - 1,239 1,372 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Consumer loans: Not graded 23 - - - - - - 23 Pass - - - - - - 42 42 Special Mention - - - - - - - - Substandard - - - - - - - - Total consumer loans 23 - - - - - 42 65 Current period gross charge-off $ - $ - $ - $ - $ - $ - $ - $ - Total loans held for investment, gross $ 35,227 $ 103,571 $ 306,108 $ 240,496 $ 86,089 $ 278,060 $ 1,295 $ 1,050,846 Total current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ —
Schedule of allowance for credit losses	For the Quarter Ended September 30, (Dollars in Thousands) 2024 2023 ACL, beginning of period $ 7,065 $ 5,946 Impact of ASC 326 CECL adoption (1) — 1,197 (Recovery of) provision for credit losses (736) 536 Total recoveries — — Total charge-offs — — Net recoveries (charge-offs) — — ACL, end of period $ 6,329 $ 7,679 ACL on loans as a percentage of gross loans held for investment 0.61 % 0.72 % Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) — % — % ACL on loans as a percentage of gross non-performing loans at the end of the period 297.00 % 545.38 % (1) Represents the impact of adopting ASC 326 on July 1, 2023. Since that date, as a result of adopting ASC 326, the methodology to compute the ACL has been based on CECL methodology, rather than the previously applied incurred loss methodology.
Schedule of past due status of gross loans held for investment, net of fair value adjustments	September 30, 2024 30-89 Days Past Total Loans Held for (In Thousands) Current Due Non-Performing Investment, Gross Mortgage loans: Single-family $ 522,180 $ — $ 2,055 $ 524,235 Multi-family 435,782 — — 435,782 Commercial real estate 81,169 — — 81,169 Construction 2,816 — — 2,816 Other 92 — — 92 Commercial business loans 1,510 — — 1,510 Consumer loans 61 2 — 63 Total loans held for investment, gross $ 1,043,610 $ 2 $ 2,055 $ 1,045,667 June 30, 2024 30-89 Days Past Total Loans Held for (In Thousands) Current Due Non-Performing Investment, Gross Mortgage loans: Single-family $ 515,498 $ — $ 2,593 $ 518,091 Multi-family 445,182 — — 445,182 Commercial real estate 83,349 — — 83,349 Construction 2,692 — — 2,692 Other 95 — — 95 Commercial business loans 1,372 — — 1,372 Consumer loans 64 1 — 65 Total loans held for investment, gross $ 1,048,252 $ 1 $ 2,593 $ 1,050,846
Schedule of allowance for loan losses and recorded investment	Quarter Ended September 30, 2024 Single- Multi- Commercial Commercial (Dollars In Thousands) family family Real Estate Construction Other Business Consumer Total ACL: ACL, beginning of period $ 6,295 $ 595 $ 66 $ 97 $ 1 $ 11 $ — $ 7,065 Recovery of credit losses (616) (92) (8) (19) — (1) — (736) Recoveries — — — — — — — — Charge-offs — — — — — — — — ACL, end of period $ 5,679 $ 503 $ 58 $ 78 $ 1 $ 10 $ — $ 6,329 ACL: Individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ — Collectively evaluated for impairment 5,679 503 58 78 1 10 — 6,329 ACL, end of period $ 5,679 $ 503 $ 58 $ 78 $ 1 $ 10 $ — $ 6,329 Loans held for investment: Individually evaluated for impairment $ 732 $ — $ — $ — $ — $ — $ — $ 732 Collectively evaluated for impairment 523,503 435,782 81,169 2,816 92 1,510 63 1,044,935 Total loans held for investment, gross $ 524,235 $ 435,782 $ 81,169 $ 2,816 $ 92 $ 1,510 $ 63 $ 1,045,667 ACL on loans as a percentage of gross loans held for investment 1.08 % 0.12 % 0.07 % 2.77 % 1.09 % 0.66 % — % 0.61 % Net (recoveries) charge-offs to average loans receivable, net during the period — % — % — % — % — % — % — % — % Quarter Ended September 30, 2023 Single- Multi- Commercial Commercial (Dollars In Thousands) family family Real Estate Construction Other Business Consumer Total ACL: ACL, beginning of period $ 1,720 $ 3,270 $ 868 $ 15 $ 2 $ 67 $ 4 $ 5,946 Adjustment to allowance for adoption of ASC 326 4,605 (2,614) (786) 47 3 (54) (4) 1,197 Provision for (recovery of) credit losses 550 3 (6) (8) (1) (2) — 536 Recoveries — — — — — — — — Charge-offs — — — — — — — — ACL, end of period $ 6,875 $ 659 $ 76 $ 54 $ 4 $ 11 $ — $ 7,679 ACL: Individually evaluated for impairment $ 37 $ — $ — $ — $ — $ — $ — $ 37 Collectively evaluated for impairment 6,838 659 76 54 4 11 — 7,642 ACL, end of period $ 6,875 $ 659 $ 76 $ 54 $ 4 $ 11 $ — $ 7,679 Loans held for investment: Individually evaluated for impairment $ 990 $ — $ — $ — $ — $ — $ — $ 990 Collectively evaluated for impairment 520,586 457,351 87,954 2,100 104 1,321 62 1,069,478 Total loans held for investment, gross $ 521,576 $ 457,351 $ 87,954 $ 2,100 $ 104 $ 1,321 $ 62 $ 1,070,468 ACL on loans as a percentage of gross loans held for investment 1.32 % 0.14 % 0.09 % 2.57 % 3.85 % 0.83 % — % 0.72 % Net (recoveries) charge-offs to average loans receivable, net during the period — % — % — % — % — % — % — % — %
Schedule of recorded investment in restructured loans	At September 30, 2024 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment ACL (1) Investment Mortgage loans: Single-family: With a related allowance $ 1,399 $ — $ 1,399 $ (25) $ 1,374 Without a related allowance (2) 757 (25) 732 — 732 Total single-family loans 2,156 (25) 2,131 (25) 2,106 Total non-performing loans $ 2,156 $ (25) $ 2,131 $ (25) $ 2,106 (1) ACL, specifically assigned to the individual loan. (2) There was no related ACL because the loans were charged-off to their fair value or the fair value of the collateral was higher than the loan balance. At June 30, 2024 Unpaid Related Net Principal Charge-offs Recorded Recorded (In Thousands) Balance Related Investment ACL (1) Investment Mortgage loans: Single-family: With a related allowance $ 2,267 $ — $ 2,267 $ (73) $ 2,194 Without a related allowance (2) 427 (25) 402 — 402 Total single-family loans 2,694 (25) 2,669 (73) 2,596 Total non-performing loans $ 2,694 $ (25) $ 2,669 $ (73) $ 2,596 (1) ACL, specifically assigned to the individual loan. (2) There was no related ACL because the loans were charged-off to their fair value or the fair value of the collateral was higher than the loan balance.
Schedule of recorded investment in non-performing loans	Quarter Ended September 30, 2024 2023 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related ACL: Mortgage loans: Single-family $ 843 $ 5 $ 250 $ — 843 5 250 — With related ACL: Mortgage loans: Single-family 1,582 34 1,163 18 1,582 34 1,163 18 Total $ 2,425 $ 39 $ 1,413 $ 18
Schedule of allowance for credit losses of undisbursed funds and commitments on loans held for investment	For the Quarter Ended September 30, (In Thousands) 2024 2023 Balance, beginning of the period $ 57 $ 42 Provision for credit losses 39 9 Balance, end of the period $ 96 $ 51

Derivative and Other Financia_2

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Tables)	3 Months Ended
	Sep. 30, 2024
Derivative and Other Financial Instruments with Off-Balance Sheet Risks
Schedule of undisbursed funds commitments	Commitments September 30, 2024 June 30, 2024 (In Thousands) Undisbursed loan funds – Construction loans $ 311 $ 435 Undisbursed lines of credit – Mortgage loans 270 — Undisbursed lines of credit – Commercial business loans 2,889 2,936 Undisbursed lines of credit – Consumer loans 337 341 Commitments to extend credit on loans to be held for investment 15,252 9,387 Total $ 19,059 $ 13,099
Schedule of summary of recourse liability	For the Quarter Ended September 30, Recourse Liability 2024 2023 (In Thousands) Balance, beginning of the period $ 26 $ 33 (Recovery) provision for recourse liability (3) — Net settlements in lieu of loan repurchases — — Balance, end of the period $ 23 $ 33

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	3 Months Ended
Fair Value of Financial Instruments (Tables)	Sep. 30, 2024
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, 2024: Loans held for investment, at fair value $ 1,082 $ 1,190 $ (108) As of June 30, 2024: Loans held for investment, at fair value $ 1,047 $ 1,200 $ (153)
Schedule of fair value, assets and liabilities measured on recurring basis	Fair Value Measurement at September 30, 2024 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 1,185 $ — $ 1,185 U.S. government sponsored enterprise MBS — 539 — 539 Private issue CMO — — 85 85 Investment securities - available for sale — 1,724 85 1,809 Loans held for investment, at fair value — — 1,082 1,082 Other equity investments, fair value — 565 — 565 Interest-only strips — — 6 6 Total assets $ — $ 2,289 $ 1,173 $ 3,462 Liabilities: $ — $ — $ — $ — Total liabilities $ — $ — $ — $ — Fair Value Measurement at June 30, 2024 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 1,208 $ — $ 1,208 U.S. government sponsored enterprise MBS — 553 — 553 Private issue CMO — — 88 88 Investment securities - available for sale — 1,761 88 1,849 Loans held for investment, at fair value — — 1,047 1,047 Other equity investments, fair value — 540 — 540 Interest-only strips — — 8 8 Total assets $ — $ 2,301 $ 1,143 $ 3,444 Liabilities: $ — $ — $ — $ — Total liabilities $ — $ — $ — $ —
Schedule for reconciliation of recurring fair value measurements using level 3 inputs	For the Quarter Ended September 30, 2024 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, 2024 $ 88 $ 1,047 $ 8 $ 1,143 Total gains or losses (realized/unrealized): Included in earnings — 45 — 45 Included in other comprehensive income 2 — (2) — Purchases — — — — Issuances — — — — Settlements (5) (10) — (15) Transfers in and/or out of Level 3 — — — — Ending balance at September 30, 2024 $ 85 $ 1,082 $ 6 $ 1,173 (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, 2023 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, 2023 $ 102 $ 1,312 $ 9 $ 1,423 Adjustment due to ASC 326 CECL adoption — 28 — 28 Total gains or losses (realized/unrealized): Included in earnings — (52) — (52) Included in other comprehensive loss (1) — — (1) Purchases — — — — Issuances — — — — Settlements (3) (227) — (230) Transfers in and/or out of Level 3 — — — — Ending balance at September 30, 2023 $ 98 $ 1,061 $ 9 $ 1,168 (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.
Schedule of fair value assets measured on nonrecurring basis	Fair Value Measurement at September 30, 2024 Using: (In Thousands) Level 1 Level 2 Level 3 Total Loans with individually evaluated allowance $ — $ — $ — $ — Mortgage servicing assets — — 101 101 Total $ — $ — $ 101 $ 101 Fair Value Measurement at June 30, 2024 Using: (In Thousands) Level 1 Level 2 Level 3 Total Loans with individually evaluated allowance $ — $ — $ 695 $ 695 Mortgage servicing assets — — 87 87 Total $ — $ — $ 782 $ 782
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, 2024: Impact to Fair Value Valuation As of from an September 30, Valuation Range (1) Increase in (Dollars In Thousands) 2024 Techniques Unobservable Inputs (Weighted Average) Inputs (2) Assets: Securities available-for sale: Private issue CMO $ 85 Market comparable pricing Comparability adjustment 0.4% - (3.6%) (0.4%) Increase Loans held for investment, at fair value $ 1,082 Relative value analysis Broker quotes 90.3% - 92.8% (91.9%) Increase ACL factors 0.8% - 1.1% (1.0%) Decrease Mortgage servicing assets $ 101 Discounted cash flow Prepayment speed (CPR) 6.2% - 60.0% (14.9%) Decrease Discount rate 9.0% - 10.5% (9.1%) Decrease Interest-only strips $ 6 Discounted cash flow Prepayment speed (CPR) 11.2% - 25.7% (20.9%) 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 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.
Schedule of carrying amount and fair value of financial instruments	September 30, 2024 Carrying Fair (In Thousands) Amount Value Level 1 Level 2 Level 3 Financial assets: Loans held for investment, not recorded at fair value $ 1,047,551 $ 1,000,376 $ — $ — $ 1,000,376 Investment securities - held to maturity $ 124,268 $ 112,969 $ — $ 112,969 $ — FHLB – San Francisco stock $ 9,568 $ 9,568 $ — $ 9,568 $ — Financial liabilities: Deposits $ 863,864 $ 864,774 $ — $ 864,774 $ — Borrowings $ 249,500 $ 250,401 $ — $ 250,401 $ — June 30, 2024 Carrying Fair (In Thousands) Amount Value Level 1 Level 2 Level 3 Financial assets: Loans held for investment, not recorded at fair value $ 1,051,932 $ 973,453 $ — $ — $ 973,453 Investment securities - held to maturity $ 130,051 $ 114,393 $ — $ 114,393 $ — FHLB – San Francisco stock $ 9,568 $ 9,568 $ — $ 9,568 $ — Financial liabilities: Deposits $ 888,348 $ 888,527 $ — $ 888,527 $ — Borrowings $ 238,500 $ 237,691 $ — $ 237,691 $ —

Revenue From Contracts With C_2

Revenue From Contracts With Customers (Tables)	3 Months Ended
Revenue From Contracts With Customers (Tables)	Sep. 30, 2024
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, 2024 and 2023: Quarter Ended September 30, Type of Services 2024 2023 (In Thousands) Loan servicing and other fees (1) $ 104 $ (21) Deposit account fees 298 288 Card and processing fees 320 353 Other (2) 177 131 Total non-interest income $ 899 $ 751 (1) Not within the scope of ASC 606. (2) Includes net BOLI income of $46 thousand and $46 thousand, net loss on sale of loans of $21 thousand and $0 , and net unrealized gain on other equity investments of $25 thousand and $0 for the quarters ended September 30, 2024 and 2023 , which are not within the scope of ASC 606.

Leases (Tables)

Leases (Tables)	3 Months Ended
Leases (Tables)	Sep. 30, 2024
Leases
Schedule of supplemental information related to operating leases	As of (In Thousands) September 30, 2024 June 30, 2024 Condensed Consolidated Statements of Condition: Premises and equipment - Operating lease right-of-use assets $ 1,697 $ 1,356 Accounts payable, accrued interest and other liabilities – Operating lease liabilities $ 1,747 $ 1,407 Quarter Ended September 30, (In Thousands) 2024 2023 Condensed Consolidated Statements of Operations: Premises and occupancy expenses from operating leases (1) $ 182 $ 213 Equipment expenses from operating leases 35 34 Total lease expense $ 217 $ 247 (1) Includes immaterial variable lease costs. Quarter Ended Quarter Ended (In Thousands) September 30, 2024 September 30, 2023 Condensed Consolidated Statements of Cash Flows: Operating cash flows from operating leases, net $ 213 $ 231
Schedule of remaining minimum contractual lease payments and other information associated with leases	Amount (1) Fiscal Year Ending June 30, (In Thousands) Remainder of fiscal 2025 $ 536 Fiscal 2026 538 Fiscal 2027 347 Fiscal 2028 291 Fiscal 2029 141 Thereafter 11 Total contract lease payments $ 1,864 Total liability to make lease payments $ 1,747 Difference in undiscounted and discounted future lease payments $ 117 Weighted average discount rate 3.47 % Weighted average remaining lease term (years) 3.3 (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, 2024	Sep. 30, 2023
Numerator:
Net income - numerator for basic earnings per share and diluted earnings per share - available to common stockholders	$ 1,900	$ 1,762
Denominator for basic earnings per share:
Weighted-average shares	6,833	7,017
Denominator for diluted earnings per share:
Adjusted weighted-average shares and assumed conversions	6,863	7,027
Basic earnings per share ( in dollars per share)	$ 0.28	$ 0.25
Diluted earnings per share ( in dollars per share)	$ 0.28	$ 0.25
Restricted stock
Denominator for basic earnings per share:
Less effect of dilutive shares	30	10

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Details) - shares	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share
Stock options, outstanding	238,000	434,500
Antidilutive securities excluded from computation of earnings per share	140,000	434,500
Restricted stock, outstanding	152,200	51,000

Investment Securities - Schedul

Investment Securities - Schedule of amortized cost and estimated fair value of Held to maturity investments (Details) - USD ($) $ in Thousands	Sep. 30, 2024		Jun. 30, 2024
Held to maturity
Amortized Cost	$ 124,268		$ 130,051
Gross Unrealized Gains	123		76
Gross Unrealized (Losses)	(11,422)		(15,734)
Estimated Fair Value	112,969		114,393
Carrying Value	124,268		130,051
U.S. government sponsored enterprise MBS
Held to maturity
Amortized Cost	120,128	[1]	125,883
Gross Unrealized Gains	123	[1]	76
Gross Unrealized (Losses)	(11,264)	[1]	(15,481)
Estimated Fair Value	108,987	[1]	110,478
Carrying Value	120,128	[1]	125,883
U.S. government sponsored enterprise CMO
Held to maturity
Amortized Cost	3,700	[2]	3,713
Gross Unrealized Gains	0	[2]	0
Gross Unrealized (Losses)	(157)	[2]	(253)
Estimated Fair Value	3,543	[2]	3,460
Carrying Value	3,700	[2]	3,713
U.S. SBA securities
Held to maturity
Amortized Cost	440	[3]	455
Gross Unrealized Gains	0	[3]	0
Gross Unrealized (Losses)	(1)	[3]	0
Estimated Fair Value	439	[3]	455
Carrying Value	$ 440	[3]	$ 455

[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, 2024		Jun. 30, 2024
Available for sale
Amortized Cost	$ 1,795		$ 1,861
Gross Unrealized Gains	17		5
Gross Unrealized (Losses)	(3)		(17)
Estimated Fair Value	1,809		1,849
U.S. government agency MBS
Available for sale
Amortized Cost	1,183	[1]	1,222
Gross Unrealized Gains	4	[1]	0
Gross Unrealized (Losses)	(2)	[1]	(14)
Estimated Fair Value	1,185	[1]	1,208
U.S. government sponsored enterprise MBS
Available for sale
Amortized Cost	526	[1]	548
Gross Unrealized Gains	13	[1]	5
Gross Unrealized (Losses)	0	[1]	0
Estimated Fair Value	539	[1]	553
Private issue CMO
Available for sale
Amortized Cost	86	[2]	91
Gross Unrealized Gains	0	[2]	0
Gross Unrealized (Losses)	(1)	[2]	(3)
Estimated Fair Value	$ 85	[2]	$ 88

[1]Mortgage-Backed Securities (“MBS”).[2]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, 2024	Jun. 30, 2024
Investment Securities
Amortized Cost	$ 126,063	$ 131,912
Gross Unrealized Gains	140	81
Gross Unrealized (Losses)	(11,425)	(15,751)
Estimated Fair Value	114,778	116,242
Carrying Value	$ 126,077	$ 131,900

Investment Securities - Investm

Investment Securities - Investments with Unrealized Loss Positions for Held to maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Schedule of Held-to-Maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	$ 439	$ 455
Unrealized Holding Losses Less Than 12 Months, Accumulated Loss	1
Unrealized Holding Losses 12 Months or More, Fair Value	107,725	108,990
Unrealized Holding Losses 12 Months or More, Unrealized Losses	11,421	15,734
Unrealized Holding Losses Total, Fair Value	108,164	109,445
Unrealized Holding Losses Total, Unrealized Losses	11,422	15,734
U.S. government sponsored enterprise MBS
Schedule of Held-to-Maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	0
Unrealized Holding Losses Less Than 12 Months, Accumulated Loss	0
Unrealized Holding Losses 12 Months or More, Fair Value	104,182	105,530
Unrealized Holding Losses 12 Months or More, Unrealized Losses	11,264	15,481
Unrealized Holding Losses Total, Fair Value	104,182	105,530
Unrealized Holding Losses Total, Unrealized Losses	11,264	15,481
U.S. government sponsored enterprise CMO
Schedule of Held-to-Maturity Securities [Line Items]
Unrealized Holding Losses 12 Months or More, Fair Value	3,543	3,460
Unrealized Holding Losses 12 Months or More, Unrealized Losses	157	253
Unrealized Holding Losses Total, Fair Value	3,543	3,460
Unrealized Holding Losses Total, Unrealized Losses	157	253
U.S. SBA securities
Schedule of Held-to-Maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	439	455
Unrealized Holding Losses Less Than 12 Months, Accumulated Loss	1
Unrealized Holding Losses Total, Fair Value	439	$ 455
Unrealized Holding Losses Total, Unrealized Losses	$ 1

Investment Securities - Inves_2

Investment Securities - Investments with Unrealized Loss Positions for Available for sale (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, Less Than 12 Months, Fair Value		$ 91
Unrealized Holding Losses, 12 Months or More, Fair Value	$ 405	1,213
Unrealized Holding Losses, 12 Months or More, Unrealized Losses	3	17
Unrealized Holding Losses Total, Fair Value	405	1,304
Unrealized Holding Losses Total, Unrealized Losses	3	17
U.S. government agency MBS
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, Less Than 12 Months, Fair Value		91
Unrealized Holding Losses, 12 Months or More, Fair Value	389	1,117
Unrealized Holding Losses, 12 Months or More, Unrealized Losses	2	14
Unrealized Holding Losses Total, Fair Value	389	1,208
Unrealized Holding Losses Total, Unrealized Losses	2	14
U.S. government sponsored enterprise MBS
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, 12 Months or More, Fair Value		8
Unrealized Holding Losses Total, Fair Value		8
Private issue CMO
Schedule of Available-for-sale Securities [Line Items]
Unrealized Holding Losses, 12 Months or More, Fair Value	16	88
Unrealized Holding Losses, 12 Months or More, Unrealized Losses	1	3
Unrealized Holding Losses Total, Fair Value	16	88
Unrealized Holding Losses Total, Unrealized Losses	$ 1	$ 3

Investment Securities - Inves_3

Investment Securities - Investments with Unrealized Loss Positions for total investment securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Investment Securities
Unrealized Holding Losses Less Than 12 Months, Fair Value	$ 439	$ 546
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	1
Unrealized Holding Losses 12 Months or More, Fair Value	108,130	110,203
Unrealized Holding Losses 12 Months or More, Unrealized Losses	11,424	15,751
Unrealized Holding Losses Total, Fair Value	108,569	110,749
Unrealized Holding Losses Total, Unrealized Losses	$ 11,425	$ 15,751

Investment Securities - Borrowi

Investment Securities - Borrowings (Details) - USD ($) $ in Millions	Sep. 30, 2024	Jun. 30, 2024
Short-Term Debt [Line Items]
Total available borrowing capacity across all sources	$ 510.7	$ 519.9
Pledged as Collateral \| Pledged to FRB
Short-Term Debt [Line Items]
Loans held for investment	174.4	178.6
Federal Home Loan Bank Advances
Short-Term Debt [Line Items]
Federal Home Loan Bank advances, unused borrowing facility	249.2	261.3
Pledged to FRB \| Discount window facility
Short-Term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	211.5	208.6
Securities held as collateral	120.8	126.6
Advances outstanding	0	0
Federal funds facility
Short-Term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 50	$ 50

Investment Securities - Sched_3

Investment Securities - Schedule of Available for Sale Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
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	1,386	1,055
Due after ten years	409	806
Total investment securities - available for sale, Amortized Cost	1,795	1,861
Amortized Cost	126,063	131,912
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	1,399	1,053
Due after ten years	410	796
Total investment securities - available for sale, Estimated Fair Value	1,809	1,849
Estimated Fair Value	$ 114,778	$ 116,242

Investment Securities - Sched_4

Investment Securities - Schedule of Held to maturity Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Held to maturity, Amortized Cost
Due in one year or less	$ 355	$ 349
Due after one through five years	3,710	4,328
Due after five through ten years	46,492	49,331
Due after ten years	73,711	76,043
Total investment securities - held to maturity, Amortized Cost	124,268	130,051
Held to maturity, Estimated Fair Value
Due in one year or less	352	343
Due after one through five years	3,628	4,167
Due after five through ten years	43,415	44,830
Due after ten years	65,574	65,053
Total investment securities - held to maturity, Estimated Fair Value	$ 112,969	$ 114,393

Investment Securities - Additio

Investment Securities - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024
Debt Securities, Available-for-Sale [Line Items]
Unrealized Holding Losses 12 Months or More, Unrealized Losses	$ 11,424		$ 15,751
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	1
Investment securities - held to maturity, allowance for credit losses	0		0
Impairment loss on held to maturity securities	0		0
Impairment loss on available for sale securities	0		$ 0
U.S. government sponsored enterprise MBS
Debt Securities, Available-for-Sale [Line Items]
Principal payments from investment securities	5,700	$ 6,700
Proceeds from sale of investment securities available for sale	0	$ 0
U.S. Government sponsored enterprise securities
Debt Securities, Available-for-Sale [Line Items]
Allowance for credit losses on investment securities	$ 0

Loans Held for Investment - Sch

Loans Held for Investment - Schedule of Loans Held for Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Loans Held for Investment
Total loans held for investment, gross	$ 1,045,667	$ 1,050,846	$ 1,070,468
Advance payments of escrows	127	102
Deferred loan costs, net	9,168	9,096
ACL on loans	(6,329)	(7,065)	(7,679)
Total loans held for investment, net	1,048,633	1,052,979
Mortgage loans \| Single-family
Loans Held for Investment
Total loans held for investment, gross	524,235	518,091	521,576
ACL on loans	(5,679)	(6,295)	(6,875)
Mortgage loans \| Multi-family
Loans Held for Investment
Total loans held for investment, gross	435,782	445,182	457,351
ACL on loans	(503)	(595)	(659)
Mortgage loans \| Commercial real estate
Loans Held for Investment
Total loans held for investment, gross	81,169	83,349	87,954
ACL on loans	(58)	(66)	(76)
Mortgage loans \| Construction
Loans Held for Investment
Total loans held for investment, gross	2,816	2,692	2,100
ACL on loans	(78)	(97)	(54)
Mortgage loans \| Other
Loans Held for Investment
Total loans held for investment, gross	92	95	104
ACL on loans	(1)	(1)	(4)
Commercial business loans
Loans Held for Investment
Total loans held for investment, gross	1,510	1,372	1,321
ACL on loans	(10)	(11)	(11)
Consumer loans
Loans Held for Investment
Total loans held for investment, gross	$ 63	$ 65	$ 62

Loans Held for Investment - S_2

Loans Held for Investment - Schedule of Loans Held for Investment Contractually Repricing (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	$ 110,862
Total	1,045,667	$ 1,050,846	$ 1,070,468
Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	267,639
After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	211,912
After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	243,844
After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	211,410
Mortgage loans \| Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	110,145
Total	524,235	518,091	521,576
Mortgage loans \| Single-family \| Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	49,597
Mortgage loans \| Single-family \| After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	32,129
Mortgage loans \| Single-family \| After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	122,075
Mortgage loans \| Single-family \| After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	210,289
Mortgage loans \| Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	93
Total	435,782	445,182	457,351
Mortgage loans \| Multi-family \| Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	180,273
Mortgage loans \| Multi-family \| After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	153,535
Mortgage loans \| Multi-family \| After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	100,760
Mortgage loans \| Multi-family \| After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	1,121
Mortgage loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	384
Total	81,169	83,349	87,954
Mortgage loans \| Commercial real estate \| Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	33,528
Mortgage loans \| Commercial real estate \| After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	26,248
Mortgage loans \| Commercial real estate \| After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	21,009
Mortgage loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,816	2,692	2,100
Mortgage loans \| Construction \| Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	2,816
Mortgage loans \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	92
Total	92	95	104
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate	148
Total	1,510	1,372	1,321
Commercial business loans \| Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	1,362
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	63	$ 65	$ 62
Consumer loans \| Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate	$ 63

Loans Held for Investment - S_3

Loans Held for Investment - Schedule of Commercial real estate loans by property types and LTV (Details) - USD ($)	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Loans Held for Investment
Total commercial real estate	$ 1,045,667,000	$ 1,050,846,000	$ 1,070,468,000
Mortgage loans \| Commercial real estate
Loans Held for Investment
Total commercial real estate	$ 81,169,000	$ 83,349,000	$ 87,954,000
Percentage of Total commercial Real Estate	100%	100%
Weighted Average LTV	37	37
Mortgage loans \| Commercial real estate \| Office
Loans Held for Investment
Total commercial real estate	$ 26,749,000	$ 26,774,000
Percentage of Total commercial Real Estate	33%	32%
Weighted Average LTV	42	43
Mortgage loans \| Commercial real estate \| Mixed use
Loans Held for Investment
Total commercial real estate	$ 15,962,000	$ 16,090,000
Percentage of Total commercial Real Estate	20%	19%
Weighted Average LTV	35	35
Mortgage loans \| Commercial real estate \| Office/Retail
Loans Held for Investment
Total commercial real estate	$ 6,900,000	$ 6,900,000
Mortgage loans \| Commercial real estate \| Multi-family/Retail
Loans Held for Investment
Total commercial real estate	4,700,000	4,700,000
Mortgage loans \| Commercial real estate \| Other Mixed Use
Loans Held for Investment
Total commercial real estate	3,000,000	3,000,000
Mortgage loans \| Commercial real estate \| Multi-family/Commercial
Loans Held for Investment
Total commercial real estate	750,000	754,000
Mortgage loans \| Commercial real estate \| Multi-family/Office
Loans Held for Investment
Total commercial real estate	679,000	685,000
Mortgage loans \| Commercial real estate \| Retail
Loans Held for Investment
Total commercial real estate	$ 11,108,000	$ 12,501,000
Percentage of Total commercial Real Estate	14%	15%
Weighted Average LTV	31	30
Mortgage loans \| Commercial real estate \| Warehouse
Loans Held for Investment
Total commercial real estate	$ 11,712,000	$ 11,924,000
Percentage of Total commercial Real Estate	14%	14%
Weighted Average LTV	29	31
Mortgage loans \| Commercial real estate \| Medical/dental office
Loans Held for Investment
Total commercial real estate	$ 7,002,000	$ 7,084,000
Percentage of Total commercial Real Estate	9%	9%
Weighted Average LTV	46	44
Mortgage loans \| Commercial real estate \| Mobile home park
Loans Held for Investment
Total commercial real estate	$ 6,873,000	$ 6,909,000
Percentage of Total commercial Real Estate	8%	8%
Weighted Average LTV	38	38
Mortgage loans \| Commercial real estate \| Restaurant/Fast Food
Loans Held for Investment
Total commercial real estate	$ 1,186,000	$ 1,190,000
Percentage of Total commercial Real Estate	1%	2%
Weighted Average LTV	40	46
Mortgage loans \| Commercial real estate \| Automotive - non gasoline
Loans Held for Investment
Total commercial real estate	$ 577,000	$ 578,000
Percentage of Total commercial Real Estate	1%	1%
Weighted Average LTV	26	26
Mortgage loans \| Commercial real estate \| Live/work
Loans Held for Investment
Total commercial real estate		$ 299,000
Weighted Average LTV		13
Mortgage loans \| Owner Occupied Loan Balance
Loans Held for Investment
Total commercial real estate	$ 11,284,000	$ 12,188,000
Mortgage loans \| Owner Occupied Loan Balance \| Office
Loans Held for Investment
Total commercial real estate	5,818,000	6,690,000
Mortgage loans \| Owner Occupied Loan Balance \| Mixed use
Loans Held for Investment
Total commercial real estate	289,000	293,000
Mortgage loans \| Owner Occupied Loan Balance \| Warehouse
Loans Held for Investment
Total commercial real estate	2,063,000	2,076,000
Mortgage loans \| Owner Occupied Loan Balance \| Medical/dental office
Loans Held for Investment
Total commercial real estate	2,426,000	2,439,000
Mortgage loans \| Owner Occupied Loan Balance \| Restaurant/Fast Food
Loans Held for Investment
Total commercial real estate	688,000	690,000
Mortgage loans \| Non Owner Occupied Loan Balance
Loans Held for Investment
Total commercial real estate	69,885,000	71,161,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Office
Loans Held for Investment
Total commercial real estate	20,931,000	20,084,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Mixed use
Loans Held for Investment
Total commercial real estate	15,673,000	15,797,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Retail
Loans Held for Investment
Total commercial real estate	11,108,000	12,501,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Warehouse
Loans Held for Investment
Total commercial real estate	9,649,000	9,848,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Medical/dental office
Loans Held for Investment
Total commercial real estate	4,576,000	4,645,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Mobile home park
Loans Held for Investment
Total commercial real estate	6,873,000	6,909,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Restaurant/Fast Food
Loans Held for Investment
Total commercial real estate	498,000	500,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Automotive - non gasoline
Loans Held for Investment
Total commercial real estate	$ 577,000	578,000
Mortgage loans \| Non Owner Occupied Loan Balance \| Live/work
Loans Held for Investment
Total commercial real estate		$ 299,000

Loans Held for Investment - S_4

Loans Held for Investment - Schedule of commercial real estate loans by geographic concentration (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Loans Held for Investment
Total commercial real estate	$ 1,045,667	$ 1,050,846	$ 1,070,468
Mortgage loans \| Commercial real estate
Loans Held for Investment
Total commercial real estate	$ 81,169	$ 83,349	$ 87,954
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Commercial real estate \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 13,600	$ 13,583
Percentage of commercial real estate loan	17%	16%
Mortgage loans \| Commercial real estate \| Southern California
Loans Held for Investment
Total commercial real estate	$ 43,853	$ 44,574
Percentage of commercial real estate loan	54%	54%
Mortgage loans \| Commercial real estate \| Other California
Loans Held for Investment
Total commercial real estate	$ 23,716	$ 25,192
Percentage of commercial real estate loan	29%	30%
Mortgage loans \| Commercial real estate \| Office
Loans Held for Investment
Total commercial real estate	$ 26,749	$ 26,774
Mortgage loans \| Commercial real estate \| Mixed use
Loans Held for Investment
Total commercial real estate	15,962	16,090
Mortgage loans \| Commercial real estate \| Retail
Loans Held for Investment
Total commercial real estate	11,108	12,501
Mortgage loans \| Commercial real estate \| Warehouse
Loans Held for Investment
Total commercial real estate	11,712	11,924
Mortgage loans \| Commercial real estate \| Medical/dental office
Loans Held for Investment
Total commercial real estate	7,002	7,084
Mortgage loans \| Commercial real estate \| Mobile home park
Loans Held for Investment
Total commercial real estate	6,873	6,909
Mortgage loans \| Commercial real estate \| Restaurant/Fast Food
Loans Held for Investment
Total commercial real estate	1,186	1,190
Mortgage loans \| Commercial real estate \| Automotive - non gasoline
Loans Held for Investment
Total commercial real estate	577	578
Mortgage loans \| Commercial real estate \| Live/work
Loans Held for Investment
Total commercial real estate		299
Mortgage loans \| Owner Occupied Loan Balance
Loans Held for Investment
Total commercial real estate	$ 11,284	$ 12,188
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Owner Occupied Loan Balance \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 971	$ 1,816
Percentage of commercial real estate loan	9%	15%
Mortgage loans \| Owner Occupied Loan Balance \| Southern California
Loans Held for Investment
Total commercial real estate	$ 9,082	$ 9,129
Percentage of commercial real estate loan	80%	75%
Mortgage loans \| Owner Occupied Loan Balance \| Other California
Loans Held for Investment
Total commercial real estate	$ 1,231	$ 1,243
Percentage of commercial real estate loan	11%	10%
Mortgage loans \| Owner Occupied Loan Balance \| Office
Loans Held for Investment
Total commercial real estate	$ 5,818	$ 6,690
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Owner Occupied Loan Balance \| Office \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 696	$ 1,540
Percentage of commercial real estate loan	12%	23%
Mortgage loans \| Owner Occupied Loan Balance \| Office \| Southern California
Loans Held for Investment
Total commercial real estate	$ 4,933	$ 4,959
Percentage of commercial real estate loan	85%	74%
Mortgage loans \| Owner Occupied Loan Balance \| Office \| Other California
Loans Held for Investment
Total commercial real estate	$ 189	$ 191
Percentage of commercial real estate loan	3%	3%
Mortgage loans \| Owner Occupied Loan Balance \| Mixed use
Loans Held for Investment
Total commercial real estate	$ 289	$ 293
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Owner Occupied Loan Balance \| Mixed use \| Other California
Loans Held for Investment
Total commercial real estate	$ 289	$ 293
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Owner Occupied Loan Balance \| Warehouse
Loans Held for Investment
Total commercial real estate	$ 2,063	$ 2,076
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Owner Occupied Loan Balance \| Warehouse \| Southern California
Loans Held for Investment
Total commercial real estate	$ 1,679	$ 1,689
Percentage of commercial real estate loan	81%	81%
Mortgage loans \| Owner Occupied Loan Balance \| Warehouse \| Other California
Loans Held for Investment
Total commercial real estate	$ 384	$ 387
Percentage of commercial real estate loan	19%	19%
Mortgage loans \| Owner Occupied Loan Balance \| Medical/dental office
Loans Held for Investment
Total commercial real estate	$ 2,426	$ 2,439
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Owner Occupied Loan Balance \| Medical/dental office \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 275	$ 276
Percentage of commercial real estate loan	11%	11%
Mortgage loans \| Owner Occupied Loan Balance \| Medical/dental office \| Southern California
Loans Held for Investment
Total commercial real estate	$ 1,782	$ 1,791
Percentage of commercial real estate loan	74%	74%
Mortgage loans \| Owner Occupied Loan Balance \| Medical/dental office \| Other California
Loans Held for Investment
Total commercial real estate	$ 369	$ 372
Percentage of commercial real estate loan	15%	15%
Mortgage loans \| Owner Occupied Loan Balance \| Restaurant/Fast Food
Loans Held for Investment
Total commercial real estate	$ 688	$ 690
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Owner Occupied Loan Balance \| Restaurant/Fast Food \| Southern California
Loans Held for Investment
Total commercial real estate	$ 688	$ 690
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance
Loans Held for Investment
Total commercial real estate	$ 69,885	$ 71,161
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 12,629	$ 11,767
Percentage of commercial real estate loan	18%	16%
Mortgage loans \| Non Owner Occupied Loan Balance \| Southern California
Loans Held for Investment
Total commercial real estate	$ 34,771	$ 35,445
Percentage of commercial real estate loan	50%	50%
Mortgage loans \| Non Owner Occupied Loan Balance \| Other California
Loans Held for Investment
Total commercial real estate	$ 22,485	$ 23,949
Percentage of commercial real estate loan	32%	34%
Mortgage loans \| Non Owner Occupied Loan Balance \| Office
Loans Held for Investment
Total commercial real estate	$ 20,931	$ 20,084
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Office \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 3,914	$ 2,951
Percentage of commercial real estate loan	19%	15%
Mortgage loans \| Non Owner Occupied Loan Balance \| Office \| Southern California
Loans Held for Investment
Total commercial real estate	$ 13,753	$ 13,837
Percentage of commercial real estate loan	66%	69%
Mortgage loans \| Non Owner Occupied Loan Balance \| Office \| Other California
Loans Held for Investment
Total commercial real estate	$ 3,264	$ 3,296
Percentage of commercial real estate loan	15%	16%
Mortgage loans \| Non Owner Occupied Loan Balance \| Mixed use
Loans Held for Investment
Total commercial real estate	$ 15,673	$ 15,797
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Mixed use \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 473	$ 505
Percentage of commercial real estate loan	3%	3%
Mortgage loans \| Non Owner Occupied Loan Balance \| Mixed use \| Southern California
Loans Held for Investment
Total commercial real estate	$ 6,209	$ 6,243
Percentage of commercial real estate loan	40%	40%
Mortgage loans \| Non Owner Occupied Loan Balance \| Mixed use \| Other California
Loans Held for Investment
Total commercial real estate	$ 8,991	$ 9,049
Percentage of commercial real estate loan	57%	57%
Mortgage loans \| Non Owner Occupied Loan Balance \| Retail
Loans Held for Investment
Total commercial real estate	$ 11,108	$ 12,501
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Retail \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 1,043	$ 1,050
Percentage of commercial real estate loan	9%	8%
Mortgage loans \| Non Owner Occupied Loan Balance \| Retail \| Southern California
Loans Held for Investment
Total commercial real estate	$ 6,503	$ 6,996
Percentage of commercial real estate loan	59%	56%
Mortgage loans \| Non Owner Occupied Loan Balance \| Retail \| Other California
Loans Held for Investment
Total commercial real estate	$ 3,562	$ 4,455
Percentage of commercial real estate loan	32%	36%
Mortgage loans \| Non Owner Occupied Loan Balance \| Warehouse
Loans Held for Investment
Total commercial real estate	$ 9,649	$ 9,848
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Warehouse \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 600	$ 605
Percentage of commercial real estate loan	6%	6%
Mortgage loans \| Non Owner Occupied Loan Balance \| Warehouse \| Southern California
Loans Held for Investment
Total commercial real estate	$ 4,749	$ 4,774
Percentage of commercial real estate loan	49%	49%
Mortgage loans \| Non Owner Occupied Loan Balance \| Warehouse \| Other California
Loans Held for Investment
Total commercial real estate	$ 4,300	$ 4,469
Percentage of commercial real estate loan	45%	45%
Mortgage loans \| Non Owner Occupied Loan Balance \| Medical/dental office
Loans Held for Investment
Total commercial real estate	$ 4,576	$ 4,645
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Medical/dental office \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 1,765	$ 1,797
Percentage of commercial real estate loan	39%	39%
Mortgage loans \| Non Owner Occupied Loan Balance \| Medical/dental office \| Southern California
Loans Held for Investment
Total commercial real estate	$ 2,126	$ 2,159
Percentage of commercial real estate loan	46%	46%
Mortgage loans \| Non Owner Occupied Loan Balance \| Medical/dental office \| Other California
Loans Held for Investment
Total commercial real estate	$ 685	$ 689
Percentage of commercial real estate loan	15%	15%
Mortgage loans \| Non Owner Occupied Loan Balance \| Mobile home park
Loans Held for Investment
Total commercial real estate	$ 6,873	$ 6,909
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Mobile home park \| Inland empire
Loans Held for Investment
Total commercial real estate	$ 4,834	$ 4,859
Percentage of commercial real estate loan	70%	70%
Mortgage loans \| Non Owner Occupied Loan Balance \| Mobile home park \| Southern California
Loans Held for Investment
Total commercial real estate	$ 356	$ 358
Percentage of commercial real estate loan	5%	5%
Mortgage loans \| Non Owner Occupied Loan Balance \| Mobile home park \| Other California
Loans Held for Investment
Total commercial real estate	$ 1,683	$ 1,692
Percentage of commercial real estate loan	25%	25%
Mortgage loans \| Non Owner Occupied Loan Balance \| Restaurant/Fast Food
Loans Held for Investment
Total commercial real estate	$ 498	$ 500
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Restaurant/Fast Food \| Southern California
Loans Held for Investment
Total commercial real estate	$ 498	$ 500
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Automotive - non gasoline
Loans Held for Investment
Total commercial real estate	$ 577	$ 578
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Automotive - non gasoline \| Southern California
Loans Held for Investment
Total commercial real estate	$ 577	$ 578
Percentage of commercial real estate loan	100%	100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Live/work
Loans Held for Investment
Total commercial real estate		$ 299
Percentage of commercial real estate loan		100%
Mortgage loans \| Non Owner Occupied Loan Balance \| Live/work \| Other California
Loans Held for Investment
Total commercial real estate		$ 299
Percentage of commercial real estate loan		100%

Loans Held for Investment - S_5

Loans Held for Investment - Schedule of Gross Loans Held for Investment by Loan Types and Risk Category (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Investment in loans by risk categories by year of origination
Year 1	$ 63,737	$ 35,227
Year 2	99,760	103,571
Year 3	303,616	306,108
Year 4	236,936	240,496
Year 5	82,596	86,089
Prior	257,584	278,060
Revolving Loans	1,438	1,295
Total	1,045,667	1,050,846	$ 1,070,468
Mortgage loans \| Single-family
Investment in loans by risk categories by year of origination
Year 1	41,843	19,476
Year 2	57,053	60,688
Year 3	203,838	205,817
Year 4	146,983	149,084
Year 5	17,315	19,606
Prior	57,192	63,406
Revolving Loans	11	14
Total	524,235	518,091	521,576
Mortgage loans \| Single-family \| Pass
Investment in loans by risk categories by year of origination
Year 1	41,843	19,476
Year 2	57,053	60,688
Year 3	203,838	205,817
Year 4	146,983	149,084
Year 5	17,315	19,606
Prior	55,137	59,702
Revolving Loans	11	14
Total	522,180	514,387
Mortgage loans \| Single-family \| Special Mention
Investment in loans by risk categories by year of origination
Prior		1,111
Total		1,111
Mortgage loans \| Single-family \| Substandard
Investment in loans by risk categories by year of origination
Prior	2,055	2,593
Total	2,055	2,593
Mortgage loans \| Multi-family
Investment in loans by risk categories by year of origination
Year 1	15,539	10,374
Year 2	28,819	28,892
Year 3	75,389	75,876
Year 4	85,969	87,394
Year 5	59,775	60,938
Prior	170,291	181,708
Total	435,782	445,182	457,351
Mortgage loans \| Multi-family \| Pass
Investment in loans by risk categories by year of origination
Year 1	15,539	10,374
Year 2	28,819	28,892
Year 3	75,389	75,876
Year 4	85,494	86,916
Year 5	59,775	60,938
Prior	168,609	180,119
Total	433,625	443,115
Mortgage loans \| Multi-family \| Special Mention
Investment in loans by risk categories by year of origination
Prior	635
Total	635
Mortgage loans \| Multi-family \| Substandard
Investment in loans by risk categories by year of origination
Year 4	475	478
Prior	1,047	1,589
Total	1,522	2,067
Mortgage loans \| Commercial real estate
Investment in loans by risk categories by year of origination
Year 1	4,853	3,874
Year 2	13,652	13,763
Year 3	23,165	23,298
Year 4	3,984	4,018
Year 5	5,414	5,450
Prior	30,101	32,946
Total	81,169	83,349	87,954
Mortgage loans \| Commercial real estate \| Pass
Investment in loans by risk categories by year of origination
Year 1	4,853	3,874
Year 2	13,234	13,763
Year 3	23,165	23,298
Year 4	3,984	4,018
Year 5	5,414	5,450
Prior	30,101	32,946
Total	80,751	83,349
Mortgage loans \| Commercial real estate \| Substandard
Investment in loans by risk categories by year of origination
Year 2	418
Total	418
Mortgage loans \| Construction
Investment in loans by risk categories by year of origination
Year 1	1,480	1,480
Year 2	236	228
Year 3	1,100	984
Total	2,816	2,692	2,100
Mortgage loans \| Construction \| Pass
Investment in loans by risk categories by year of origination
Year 1	1,480	1,480
Year 2	236	228
Year 3	1,100	984
Total	2,816	2,692
Mortgage loans \| Other
Investment in loans by risk categories by year of origination
Year 5	92	95
Total	92	95	104
Mortgage loans \| Other \| Pass
Investment in loans by risk categories by year of origination
Year 5	92	95
Total	92	95
Commercial business loans
Investment in loans by risk categories by year of origination
Year 3	124	133
Revolving Loans	1,386	1,239
Total	1,510	1,372	1,321
Commercial business loans \| Pass
Investment in loans by risk categories by year of origination
Year 3	124	133
Revolving Loans	1,386	1,239
Total	1,510	1,372
Consumer loans
Investment in loans by risk categories by year of origination
Year 1	22	23
Revolving Loans	41	42
Total	63	65	$ 62
Consumer loans \| Not graded
Investment in loans by risk categories by year of origination
Year 1	22	23
Total	22	23
Consumer loans \| Pass
Investment in loans by risk categories by year of origination
Revolving Loans	41	42
Total	$ 41	$ 42

Loans Held For Investment - All

Loans Held For Investment - Allowance Roll-forward (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		$ 5,946
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, beginning of period	$ 7,065
(Recovery of) provision for credit losses	(736)	536
ACL, end of period	$ 6,329	$ 7,679
ACL on loans as a percentage of gross loans held for investment at the end of the period	0.61%	0.72%
ACL on loans as a percentage of gross non-performing loans at the end of the period	297%	545.38%
Impact of ASC 326 CECL adoption \| ASC 326
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ 1,197

Loans Held for Investment - S_6

Loans Held for Investment - Schedule of Past Due Status of Loans Held for Investment, Gross (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	$ 1,045,667	$ 1,050,846	$ 1,070,468
Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	1,043,610	1,048,252
30 to 89 days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	2	1
Non-Performing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	$ 2,055	2,593
Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans deemed uncollectible, period of delinquency	120 days
Mortgage loans \| Single-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	$ 524,235	518,091	521,576
Mortgage loans \| Single-family \| Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	522,180	515,498
Mortgage loans \| Single-family \| Non-Performing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	2,055	2,593
Mortgage loans \| Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	435,782	445,182	457,351
Mortgage loans \| Multi-family \| Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	435,782	445,182
Mortgage loans \| Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	81,169	83,349
Mortgage loans \| Commercial real estate \| Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	81,169	83,349
Mortgage loans \| Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	2,816	2,692	2,100
Mortgage loans \| Construction \| Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	2,816	2,692
Mortgage loans \| Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	92	95	104
Mortgage loans \| Other \| Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	92	95
Commercial business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	1,510	1,372	1,321
Commercial business loans \| Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	1,510	1,372
Consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	63	65	$ 62
Consumer loans \| Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	61	64
Consumer loans \| 30 to 89 days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans held for investment, gross	$ 2	$ 1

Loans Held for Investment - S_7

Loans Held for Investment - Schedule of Allowance For Credit Losses and Recorded Investment in Gross Loans, by Portfolio Type (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		$ 5,946
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, beginning of period	$ 7,065
(Recovery of) provision for credit losses	(736)	536
ACL, end of period	6,329	7,679
Allowance for credit losses: Individually evaluated for impairment		37
Allowance for credit losses: Collectively evaluated for impairment	6,329	7,642
Loans held for investment: Individually evaluated for allowances	732	990
Loans held for investment: Collectively evaluated for allowances	1,044,935	1,069,478
Total loans held for investment, gross	$ 1,045,667	$ 1,070,468	$ 1,050,846
ACL on loans as a percentage of gross loans held for investment	0.61%	0.72%
ASC 326 \| Impact of ASU adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ 1,197
Mortgage loans \| Single-family
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		1,720
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, beginning of period	$ 6,295
(Recovery of) provision for credit losses	(616)	550
ACL, end of period	5,679	6,875
Allowance for credit losses: Individually evaluated for impairment		37
Allowance for credit losses: Collectively evaluated for impairment	5,679	6,838
Loans held for investment: Individually evaluated for allowances	732	990
Loans held for investment: Collectively evaluated for allowances	523,503	520,586
Total loans held for investment, gross	$ 524,235	$ 521,576	518,091
ACL on loans as a percentage of gross loans held for investment	1.08%	1.32%
Mortgage loans \| Single-family \| ASC 326 \| Impact of ASU adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ 4,605
Mortgage loans \| Multi-family
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		3,270
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, beginning of period	$ 595
(Recovery of) provision for credit losses	(92)	3
ACL, end of period	503	659
Allowance for credit losses: Collectively evaluated for impairment	503	659
Loans held for investment: Collectively evaluated for allowances	435,782	457,351
Total loans held for investment, gross	$ 435,782	$ 457,351	445,182
ACL on loans as a percentage of gross loans held for investment	0.12%	0.14%
Mortgage loans \| Multi-family \| ASC 326 \| Impact of ASU adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ (2,614)
Mortgage loans \| Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		868
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, beginning of period	$ 66
(Recovery of) provision for credit losses	(8)	(6)
ACL, end of period	58	76
Allowance for credit losses: Collectively evaluated for impairment	58	76
Loans held for investment: Collectively evaluated for allowances	81,169	87,954
Total loans held for investment, gross	$ 81,169	$ 87,954	83,349
ACL on loans as a percentage of gross loans held for investment	0.07%	0.09%
Mortgage loans \| Commercial real estate \| ASC 326 \| Impact of ASU adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ (786)
Mortgage loans \| Construction
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		15
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, beginning of period	$ 97
(Recovery of) provision for credit losses	(19)	(8)
ACL, end of period	78	54
Allowance for credit losses: Collectively evaluated for impairment	78	54
Loans held for investment: Collectively evaluated for allowances	2,816	2,100
Total loans held for investment, gross	$ 2,816	$ 2,100	2,692
ACL on loans as a percentage of gross loans held for investment	2.77%	2.57%
Mortgage loans \| Construction \| ASC 326 \| Impact of ASU adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ 47
Mortgage loans \| Other
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		2
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, beginning of period	$ 1
(Recovery of) provision for credit losses		(1)
ACL, end of period	1	4
Allowance for credit losses: Collectively evaluated for impairment	1	4
Loans held for investment: Collectively evaluated for allowances	92	104
Total loans held for investment, gross	$ 92	$ 104	95
ACL on loans as a percentage of gross loans held for investment	1.09%	3.85%
Mortgage loans \| Other \| ASC 326 \| Impact of ASU adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ 3
Commercial business loans
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		67
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, beginning of period	$ 11
(Recovery of) provision for credit losses	(1)	(2)
ACL, end of period	10	11
Allowance for credit losses: Collectively evaluated for impairment	10	11
Loans held for investment: Collectively evaluated for allowances	1,510	1,321
Total loans held for investment, gross	$ 1,510	$ 1,321	1,372
ACL on loans as a percentage of gross loans held for investment	0.66%	0.83%
Commercial business loans \| ASC 326 \| Impact of ASU adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ (54)
Consumer loans
Allowance for Loan and Lease Losses [Roll Forward]
ACL, beginning of the period		4
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Loans held for investment: Collectively evaluated for allowances	$ 63	62
Total loans held for investment, gross	$ 63	62	$ 65
Consumer loans \| ASC 326 \| Impact of ASU adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ACL, end of period		$ (4)

Loans Held for Investment - S_8

Loans Held for Investment - Schedule of Total Recorded Investment in Non-Performing Loans by Type (Details) - USD ($)	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid Principal Balance	$ 2,156,000		$ 2,694,000
Related Charge-Offs	(25,000)		(25,000)
Recorded Investment	2,131,000		2,669,000
Related Allowance	(25,000)		(73,000)
Recorded Investment, Net of Allowance	2,106,000		2,596,000
Average Recorded Investment	2,425,000	$ 1,400,000
Average Recorded Investment		1,413,000
Total interest income recognized	39,000
Total interest income recognized		18,000
Mortgage loans
Financing Receivable, Allowance for Credit Losses [Line Items]
With related allowances, Average Recorded Investment	1,582,000
With related allowances, Average Recorded Investment		1,163,000
Without related allowances, Average Recorded Investment	843,000
Without related allowances, Average Recorded Investment		250,000
Interest income recognized with a related allowance	34,000
Interest income recognized with a related allowance		18,000
Interest income recognized without a related allowance	5,000
Single-family \| Mortgage loans
Financing Receivable, Allowance for Credit Losses [Line Items]
With a related allowance Unpaid Principal Balance	1,399,000		2,267,000
Without a related allowance, Unpaid Principal Balance	757,000		427,000
Unpaid Principal Balance	2,156,000		2,694,000
With No Related Allowance, Related Charge-Offs	(25,000)		(25,000)
Related Charge-Offs	(25,000)		(25,000)
With Related Allowance, Recorded Investment	1,399,000		2,267,000
With No Related Allowance, Recorded Investment	732,000		402,000
Recorded Investment	2,131,000		2,669,000
Related Allowance	(25,000)		(73,000)
Recorded Investment, with Related Allowance, Net	1,374,000		2,194,000
Recorded Investment, with No Related Allowance, Net	732,000		402,000
Recorded Investment, Net of Allowance	2,106,000		$ 2,596,000
With related allowances, Average Recorded Investment	1,582,000
With related allowances, Average Recorded Investment		1,163,000
Without related allowances, Average Recorded Investment	843,000
Without related allowances, Average Recorded Investment		250,000
Interest income recognized with a related allowance	34,000
Interest income recognized with a related allowance		$ 18,000
Interest income recognized without a related allowance	$ 5,000

Loans Held for Investment - Add

Loans Held for Investment - Additional Information (Details)	3 Months Ended
	Sep. 30, 2024 USD ($) loan property	Sep. 30, 2023 USD ($) property loan	Jun. 30, 2024
Fixed-rate loans as a percentage of total loans held for investment	11%		10%
Loan interest income added to negative amortization loan balance	$ 0
Commitments to lend additional funds	$ 0
Number of Contracts \| loan	0	0
Interest received on non-performing loans	$ 39,000	$ 18,000
Non-performing loans interest recognized as principal payments, cost basis	0	0
Interest income, non-performing loans, cash basis		18,000
Total interest income recognized	$ 39,000
Average investment in non-performing loans		$ 1,413,000
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
Commercial real estate
Loans deemed uncollectible, period of delinquency	120 days
Bankruptcy
Loans deemed uncollectible, period of delinquency	60 days
Troubled Debt Restructurings
Loans deemed uncollectible, period of delinquency	90 days
Maximum
Segregated restructured loans, period of delinquency	90 days
Maximum \| Bankruptcy
Allowance for loan losses, pooling method, period of delinquency	60 days

Loans Held for Investment - S_9

Loans Held for Investment - Schedule of Allowance for Credit Losses of Undisbursed Funds and Commitments on Loans Held for Investment (Details) - Commitments to extend credit on loans to be held for sale - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Allowance for Credit Losses [Roll Forward]
Balance, beginning of the period	$ 57	$ 42
Provision for credit losses	39	9
Balance, end of the period	$ 96	$ 51

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, 2024	Jun. 30, 2024
Derivative [Line Items]
Total	$ 19,059	$ 13,099
Undisbursed Lines of Credit - Mortgage Loans
Derivative [Line Items]
Total	270
Undisbursed loan funds - Construction loans
Derivative [Line Items]
Total	311	435
Undisbursed lines of credit - Commercial business loans
Derivative [Line Items]
Total	2,889	2,936
Undisbursed lines of credit - Consumer loans
Derivative [Line Items]
Total	337	341
Commitments to extend credit on loans to be held for investment
Derivative [Line Items]
Total	$ 15,252	$ 9,387

Derivative and Other Financia_4

Derivative and Other Financial Instruments with Off-Balance Sheet Risks - Summary of the recourse liability (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Summary Of Recourse Liability [Roll Forward]
Balance, beginning of the period	$ 26	$ 33
(Recovery) provision for recourse liability	(3)	0
Net settlements in lieu of loan repurchases	0	0
Balance, end of the period	$ 23	$ 33

Derivative and Other Financia_5

Derivative and Other Financial Instruments with Off-Balance Sheet Risks - Additional Information (Details)	3 Months Ended
	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($) loan	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)
Derivative [Line Items]
Outstanding derivative financial instruments	$ 0		$ 0
Number of loans repurchased \| loan	0	0
Recourse liability	$ 23,000	$ 33,000	26,000	$ 33,000
Mortgage Partnership Finance (MPF) Program
Derivative [Line Items]
Basis point of loss absorbed by first loss account	0.04
Loans serviced for FHLB-SF under MPF program	$ 3,000,000		3,100,000
Recourse liability	7,000		8,000
Other Investors \| Mortgage Partnership Finance (MPF) Program
Derivative [Line Items]
Recourse liability	$ 16,000		$ 18,000

Fair Value of Financial Instr_3

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024
Fair Value of Financial Instruments
Loans held for investment, Aggregate Fair Value	$ 1,082	$ 1,047
Loans held for investment, Aggregate Unpaid Principal Balance	1,190	1,200
Loans held for investment, Net Unrealized Loss	$ (108)	$ (153)

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, 2024	Jun. 30, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment, at fair value	$ 1,082	$ 1,047
Other equity investments, fair value	565	540
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	1,809	1,849
Loans held for investment, at fair value	1,082	1,047
Other equity investments, fair value	565	540
Interest-only strips	6	8
Total assets	3,462	3,444
Liabilities	0	0
Total liabilities	0	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	1,185	1,208
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	539	553
Recurring \| Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	85	88
Recurring \| 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
Other equity investments, fair value	0	0
Interest-only strips	0	0
Total assets	0	0
Liabilities	0	0
Total liabilities	0	0
Recurring \| 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 \| 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 \| 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 \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	1,724	1,761
Loans held for investment, at fair value	0	0
Other equity investments, fair value	565	540
Interest-only strips	0	0
Total assets	2,289	2,301
Liabilities	0	0
Total liabilities	0	0
Recurring \| 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	1,185	1,208
Recurring \| 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	539	553
Recurring \| 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 \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	85	88
Loans held for investment, at fair value	1,082	1,047
Other equity investments, fair value	0	0
Interest-only strips	6	8
Total assets	1,173	1,143
Liabilities	0	0
Total liabilities	0	0
Recurring \| 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 \| 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 \| Level 3 \| Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	$ 85	$ 88

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) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Including Assessed Tax	Revenue from Contract with Customer, Including Assessed Tax
Fair Value, Liability, Recurring Basis, Unobservable Input Reconciliation, Liability, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]	OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax	OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax
Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 1,143	$ 1,423
Settlements	(15)	(230)
Ending balance	1,173	1,168
Level 3 \| Impact of ASU adoption \| ASC 326
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance		28
Private issue CMO \| Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	88	102
Settlements	(5)	(3)
Ending balance	85	98
Loans Held For Investment, at fair value \| Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	1,047	1,312
Settlements	(10)	(227)
Ending balance	1,082	1,061
Loans Held For Investment, at fair value \| Level 3 \| Impact of ASU adoption \| ASC 326
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance		28
Interest-only strips \| Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	8	9
Ending balance	$ 6	$ 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, 2024	Jun. 30, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans with individually evaluated allowance	$ 0	$ 695
Mortgage servicing assets	101	87
Total assets	101	782
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans with individually evaluated allowance	0	0
Mortgage servicing assets	0	0
Total assets	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans with individually evaluated allowance	0	0
Mortgage servicing assets	0	0
Total assets	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans with individually evaluated allowance	0	695
Mortgage servicing assets	101	87
Total assets	$ 101	$ 782

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Valuation techniques and inputs used (Details) - Level 3 $ in Thousands	3 Months Ended
	Sep. 30, 2024 USD ($)
Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 85
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	0.40%
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	(3.60%)
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	(0.40%)
Loans held for Investment, at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 1,082
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 \| ACL 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	90.30%
Loans held for Investment, at fair value \| Minimum \| Relative value analysis \| ACL factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	0.80%
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	92.80%
Loans held for Investment, at fair value \| Maximum \| Relative value analysis \| ACL factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	1.10%
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	(91.90%)
Loans held for Investment, at fair value \| Weighted Average \| Relative value analysis \| ACL factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	(1.00%)
Mortgage servicing assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 101
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	6.20%
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	(14.90%)
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	$ 6
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]
Assets Fair Value Measurement Input	9%
Impact to valuation from an increase in inputs on assets	Decrease
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	11.20%
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	25.70%
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	(20.90%)

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, 2024	Jun. 30, 2024
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	$ 124,268	$ 130,051
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for investment, not recorded at fair value	1,047,551	1,051,932
Investment securities - held to maturity	124,268	130,051
FHLB - San Francisco stock	9,568	9,568
Deposits	863,864	888,348
Borrowings	249,500	238,500
Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for investment, not recorded at fair value	1,000,376	973,453
Investment securities - held to maturity	112,969	114,393
FHLB - San Francisco stock	9,568	9,568
Deposits	864,774	888,527
Borrowings	250,401	237,691
Fair Value \| 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	0	0
FHLB - San Francisco stock	0	0
Deposits	0	0
Borrowings	0	0
Fair Value \| 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	112,969	114,393
FHLB - San Francisco stock	9,568	9,568
Deposits	864,774	888,527
Borrowings	250,401	237,691
Fair Value \| Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for investment, not recorded at fair value	1,000,376	973,453
Investment securities - held to maturity	0	0
FHLB - San Francisco stock	0	0
Deposits	0	0
Borrowings	$ 0	$ 0

Revenue From Contracts With C_3

Revenue From Contracts With Customers (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Loan servicing and other fees	$ 104	$ (21)
Other	177	131
Total non-interest income	899	751
Net gain on other equity investments	25
Deposit account fees
Revenue within the scope of ASC 606	298	288
Card and processing fees
Revenue within the scope of ASC 606	320	353
BOLI
Other	46	46
Gain (loss) on sale of loans	(21)	0
Net gain on other equity investments	$ 25	$ 0

Leases - Supplemental informati

Leases - Supplemental information (Details) - USD ($)	3 Months Ended
Leases - Supplemental information (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024
Leases
Lease expense	$ 217,000	$ 247,000
Condensed Consolidated Statements of Condition:
Premises and equipment - Operating lease right-of-use assets	1,697,000		$ 1,356,000
Accounts payable, accrued interest and other liabilities - Operating lease liabilities	1,747,000		$ 1,407,000
Condensed Consolidated Statements of Operations:
Premises and occupancy expenses from operating leases	182,000	213,000
Equipment expenses from operating leases	35,000	34,000
Total lease expense	217,000	247,000
Condensed Consolidated Statements of Cash Flows:
Operating cash flows from operating leases, net	$ 213,000	$ 231,000

Leases - Remaining minimum cont

Leases - Remaining minimum contractual lease payments and other information (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Remaining minimum contractual lease payments and other information associated with the leases
Remainder of fiscal 2025	$ 536
Fiscal 2026	538
Fiscal 2027	347
Fiscal 2028	291
Fiscal 2029	141
Thereafter	11
Total contract lease payments	1,864
Total liability to make lease payments	1,747
Difference in undiscounted and discounted future lease payments	$ 117
Weighted average discount rate	3.47%
Weighted average remaining lease term (years)	3 years 3 months 18 days

Stock Repurchases (Details)

Stock Repurchases (Details) - September 2023 Stock Repurchase Plan - $ / shares		3 Months Ended
	Sep. 28, 2023	Sep. 30, 2024	Sep. 26, 2024
Equity, Class of Treasury Stock [Line Items]
Shares authorized for repurchase remaining available to purchase under the plan	350,353	95,475	99,968
Stock repurchase plan period	1 year
Number of shares repurchased		93,641
Percentage of authorized stock		27%
Shares repurchased weighted average cost per share		$ 14.26

Subsequent Events (Details)

Subsequent Events (Details) - Subsequent event - First quarter's ordinary dividends for 2025	Oct. 24, 2024 $ / shares
Subsequent Event [Line Items]
Dividends declared date	Oct. 24, 2024
Quarterly cash dividend declared, common stock	$ 0.14
Dividend, date of record	Nov. 14, 2024
Dividends payable, date	Dec. 05, 2024