Axos Financial (AX) 10-Q 26 Oct 23 2024 Q1 Quarterly report Financial data

Cover Page

Cover Page - shares	3 Months Ended
	Sep. 30, 2023	Oct. 16, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
Document Transition Report	false
Entity File Number	001-37709
Entity Registrant Name	AXOS FINANCIAL, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	33-0867444
Entity Address, Address Line One	9205 West Russell Road, Suite 400
Entity Address, City or Town	Las Vegas
Entity Address, State or Province	NV
Entity Address, Postal Zip Code	89148
City Area Code	858
Local Phone Number	649-2218
Title of 12(b) Security	Common stock, $0.01 par value
Trading Symbol	AX
Security Exchange Name	NYSE
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		57,732,167
Entity Central Index Key	0001299709
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Amendment Flag	false

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
ASSETS
Cash and cash equivalents	$ 2,161,762	$ 2,233,027
Cash segregated for regulatory purposes	252,007	149,059
Total cash, cash equivalents and cash segregated	2,413,769	2,382,086
Securities:
Trading	640	758
Securities—available-for-sale	236,726	232,350
Stock of regulatory agencies	21,533	21,510
Loans held for sale, carried at fair value	8,014	23,203
Loans held for sale, lower of cost or fair value	0	776
Loans—net of allowance for credit losses of $170,870 as of September 30, 2023 and $166,680 as of June 30, 2023	16,955,041	16,456,728
Servicing rights, carried at fair value	29,338	25,443
Securities borrowed	96,424	134,339
Customer, broker-dealer and clearing receivables	285,423	374,074
Goodwill and other intangible assets—net	149,572	152,149
Other assets	628,726	545,053
TOTAL ASSETS	20,825,206	20,348,469
Deposits:
Non-interest bearing	2,875,432	2,898,150
Interest bearing	14,690,309	14,224,958
Total deposits	17,565,741	17,123,108
Advances from the Federal Home Loan Bank	90,000	90,000
Borrowings, subordinated notes and debentures	447,733	361,779
Securities loaned	116,446	159,832
Customer, broker-dealer and clearing payables	341,915	445,477
Accounts payable and other liabilities	287,163	251,114
Total liabilities	18,848,998	18,431,310
COMMITMENTS AND CONTINGENCIES (Note 8)
STOCKHOLDERS’ EQUITY:
Common stock—$0.01 par value; 150,000,000 shares authorized; 69,826,263 shares issued and 58,503,976 shares outstanding as of September 30, 2023; 69,465,446 shares issued and 58,943,035 shares outstanding as of June 30, 2023	698	695
Additional paid-in capital	486,676	479,878
Accumulated other comprehensive income (loss)—net of tax	(6,388)	(6,610)
Retained earnings	1,818,254	1,735,609
Treasury stock, at cost; 11,322,287 shares as of September 30, 2023 and 10,522,411 shares as of June 30, 2023	(323,032)	(292,413)
Total stockholders’ equity	1,976,208	1,917,159
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 20,825,206	$ 20,348,469

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
ASSETS
Allowance for loan and lease losses	$ 170,870	$ 166,680
STOCKHOLDERS’ EQUITY:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	150,000,000	150,000,000
Common stock, issued (in shares)	69,826,263	69,465,446
Common stock, shares outstanding (in shares)	58,503,976	58,943,035
Treasury stock, at cost (in shares)	11,322,287

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$ 326,974	$ 208,338
Securities borrowed and customer receivables	4,995	4,384
Investments and other	31,983	11,064
Total interest and dividend income	363,952	223,786
INTEREST EXPENSE:
Deposits	146,110	32,505
Advances from the Federal Home Loan Bank	529	5,163
Securities loaned	449	943
Other borrowings	5,709	4,700
Total interest expense	152,797	43,311
Net interest income	211,155	180,475
Total provision for credit losses	7,000	8,750
Net interest income, after provision for credit losses	204,155	171,725
NON-INTEREST INCOME:
Broker-dealer fee income	12,477	9,178
Advisory fee income	8,219	6,959
Banking and service fees	8,350	6,514
Mortgage banking and servicing rights income	3,878	3,365
Prepayment penalty fee income	1,583	1,192
Total non-interest income	34,507	27,208
NON-INTEREST EXPENSE:
Salaries and related costs	55,811	46,996
Data and operational processing	16,084	14,022
Depreciation and amortization	5,878	6,094
Advertising and promotional	10,375	6,370
Professional services	9,811	8,087
Occupancy and equipment	3,846	4,054
FDIC and regulatory fees	4,449	3,735
Broker-dealer clearing charges	4,012	2,829
General and administrative expense	10,240	23,900
Total non-interest expense	120,506	116,087
INCOME BEFORE INCOME TAXES	118,156	82,846
INCOME TAXES	35,511	24,439
NET INCOME	82,645	58,407
COMPREHENSIVE INCOME	$ 82,867	$ 55,570
Basic earnings per common share (in dollars per share)	$ 1.40	$ 0.98
Diluted earnings per common share (in dollars per share)	$ 1.38	$ 0.97

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 82,645	$ 58,407
Net unrealized gain (loss) from available-for-sale securities, net of income tax expense (benefit) of $112 and $(1,215) for the three months ended September 30, 2023 and 2022, respectively.	222	(2,837)
Other comprehensive income (loss)	222	(2,837)
Comprehensive income	$ 82,867	$ 55,570

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
Net unrealized gain (loss) from available-for-sale securities, tax expense (benefit)	$ 112	$ (1,215)

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Treasury Stock	Additional Paid-in Capital	Accumulated Other Comprehensive Income (Loss), Net of Income Tax	Retained Earnings
Common stock, issued and treasury, beginning balance (in shares) at Jun. 30, 2022		68,859,722
Common stock, treasury, beginning balance (in shares) at Jun. 30, 2022			(9,081,773)
Common stock, outstanding, beginning balance (in shares) at Jun. 30, 2022		59,777,949
Stockholder's equity, beginning balance at Jun. 30, 2022	$ 1,642,973	$ 689	$ (237,011)	$ 453,784	$ (2,933)	$ 1,428,444
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	58,407					58,407
Other comprehensive income (loss)	(2,837)				(2,837)
Stock-based compensation activity, issued (in shares)		291,430
Stock-based compensation activity, treasury stock (in shares)			(70,706)
Stock-based compensation activity, outstanding (in shares)		220,724
Stock-based compensation activity	2,429	$ 3	$ (2,891)	5,317
Common stock, issued and treasury, ending balance (in shares) at Sep. 30, 2022		69,151,152
Common stock, treasury, ending balance (in shares) at Sep. 30, 2022			(9,152,479)
Common stock, outstanding, ending balance (in shares) at Sep. 30, 2022		59,998,673
Stockholder's equity, ending balance at Sep. 30, 2022	$ 1,700,972	$ 692	$ (239,902)	459,101	(5,770)	1,486,851
Common stock, issued and treasury, beginning balance (in shares) at Jun. 30, 2023	69,465,446	69,465,446
Common stock, treasury, beginning balance (in shares) at Jun. 30, 2023			(10,522,411)
Common stock, outstanding, beginning balance (in shares) at Jun. 30, 2023	58,943,035	58,943,035
Stockholder's equity, beginning balance at Jun. 30, 2023	$ 1,917,159	$ 695	$ (292,413)	479,878	(6,610)	1,735,609
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	82,645					82,645
Other comprehensive income (loss)	222				222
Purchase of treasury stock (in shares)		(648,208)	(648,208)
Purchase of treasury stock	(24,536)		$ (24,536)
Stock-based compensation activity, issued (in shares)		360,817
Stock-based compensation activity, treasury stock (in shares)			(151,668)
Stock-based compensation activity, outstanding (in shares)		209,149
Stock-based compensation activity	$ 718	$ 3	$ (6,083)	6,798
Common stock, issued and treasury, ending balance (in shares) at Sep. 30, 2023	69,826,263	69,826,263
Common stock, treasury, ending balance (in shares) at Sep. 30, 2023	(11,322,287)		(11,322,287)
Common stock, outstanding, ending balance (in shares) at Sep. 30, 2023	58,503,976	58,503,976
Stockholder's equity, ending balance at Sep. 30, 2023	$ 1,976,208	$ 698	$ (323,032)	$ 486,676	$ (6,388)	$ 1,818,254

CONDENSED CONSOLIDATED STATEM_5

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 82,645	$ 58,407
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation and amortization	5,878	6,094
Other accretion and amortization	(3,101)	707
Stock-based compensation expense	6,802	5,320
Trading activity	118	1,683
Provision (benefit) for credit losses - loans	7,000	8,750
Deferred income taxes	3,526	(3,807)
Origination of loans held for sale	(50,607)	(70,073)
Unrealized and realized gains on loans held for sale	(1,796)	(2,433)
Proceeds from sale of loans held for sale	65,138	67,610
Changes in servicing rights	(3,448)	(953)
Net change in assets and liabilities which provide (use) cash:
Securities borrowed	37,915	251,358
Customer, broker-dealer and clearing receivables	88,651	61,015
Other Assets	(86,123)	(6,347)
Securities loaned	(43,386)	(267,511)
Customer, broker-dealer and clearing payables	(103,562)	(65,484)
Accounts payable and other liabilities	28,220	26,485
Net cash provided by operating activities	33,870	70,821
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of available-for-sale investment securities	(4,796)	0
Proceeds from sale and repayment of available-for-sale investment securities	718	1,029
Purchase of stock of regulatory agencies	0	(54,964)
Proceeds from redemption of stock of regulatory agencies	0	54,964
Origination of loans held for investment	(2,560,043)	(2,486,224)
Proceeds from sale of loans originally classified as held for investment	0	13,965
Mortgage warehouse loan activity, net	(45,289)	103,812
Proceeds from sale of other real estate owned and repossessed assets	918	719
Acquisition of business activity, net of cash acquired	0	(5,009)
Purchase of loans and leases, net of discounts and premiums	(51,892)	(51)
Principal repayments on loans	2,160,911	1,229,390
Purchases of furniture, equipment, software and intangibles	(6,492)	(7,921)
Net cash used in investing activities	(505,965)	(1,150,290)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	442,633	1,230,209
Repayments of the Federal Home Loan Bank term advances	0	(5,000)
Net (repayment) proceeds of other borrowings	85,700	(19,500)
Tax payments related to settlement of restricted stock units	(6,083)	(2,891)
Purchase of treasury stock	(18,472)	0
Net cash provided by financing activities	503,778	1,202,818
NET CHANGE IN CASH AND CASH EQUIVALENTS	31,683	123,349
CASH AND CASH EQUIVALENTS—Beginning of year	2,382,086	1,574,699
CASH AND CASH EQUIVALENTS—End of period	2,413,769	1,698,048
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest paid on interest-bearing liabilities	152,359	42,429
Income taxes paid	52,664	37,277
Transfers to other real estate and repossessed vehicles from loans held for investment	1,847	5,522
Transfers from loans held for sale to loans and leases held for investment	$ 2,783	$ 682

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation The condensed consolidated financial statements include the accounts of Axos Financial, Inc. (“Axos”) and its wholly owned subsidiaries, Axos Bank (the “Bank”) and Axos Nevada Holding, LLC (“Axos Nevada Holding” and collectively, the “Company”). Axos, the Bank and Axos Nevada Holding comprise substantially all of the Company’s assets and liabilities and revenues and expenses. Axos Bank and its wholly owned subsidiaries constitute the Banking Business segment and Axos Nevada Holding and its wholly owns the subsidiaries constitute the Securities Business segment. All significant intercompany balances and transactions have been eliminated in consolidation. The Notes to the Consolidated Financial Statements are an integral part of the Company’s financial statements. The accompanying interim condensed consolidated financial statements, presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”), are unaudited and reflect all adjustments which, in the opinion of management, are necessary for a fair statement of financial condition and results of operations for the interim periods. All adjustments are of a normal and recurring nature. Certain amounts reported in prior periods have been reclassified to conform with the current presentation. Results for the three months ended September 30, 2023 are not necessarily indicative of results that may be expected for any other interim period or for the year as a whole. Certain information and note disclosures normally included in the audited annual financial statements prepared in accordance with GAAP have been condensed or not repeated herein pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”) with respect to interim financial reporting. The accompanying unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and accompanying notes for the year ended June 30, 2023 included in our Annual Report on Form 10-K for the fiscal year ended June 30, 2023 (“2023 Form 10-K”) filed with the SEC. Significant Accounting Policies For further information regarding the Company’s significant accounting policies see Note 1 — “Organizations and Summary of Significant Accounting Policies” in the 2023 Form 10-K. During the three months ended September 30, 2023 there were no significant updates to the Company’s significant accounting policies, other than as described below and for the adoption of the accounting standards noted herein. New Accounting Standards The Financial Accounting Standards Board (“FASB”) issued three Accounting Standards Updates (“ASUs”) (2020-04, 2021-04 and 2022-06) all of which provide guidance to alleviate the burden in accounting for reference rate reform by allowing certain expedients and exceptions in applying generally accepted accounting principles to contracts, hedging relationships, and other transactions impacted by reference rate reform. The provisions apply only to those transactions that reference London Interbank Offered Rate (“LIBOR”) or another reference rate expected to be discontinued due to reference rate reform. Adoption of the provisions are optional and are effective from March 12, 2020 through December 31, 2024. The Company adopted these ASUs on July 1, 2023, and there was no impact on its financial condition or results of operations upon adoption. In March 2022, the FASB issued ASU 2022-02 which eliminates the accounting guidance for troubled debt restructurings by creditors that have adopted the current expected credit losses (“CECL”) model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The Company adopted this ASU on a prospective basis on July 1, 2023, and there was no impact on its financial condition or results of operations upon adoption. See Note 5 — “Loans & Allowance for Credit Losses” for the new disclosures as a result of the adoption of this accounting guidance.

ACQUISITIONS

ACQUISITIONS	3 Months Ended
	Sep. 30, 2023
Business Combination and Asset Acquisition [Abstract]
ACQUISITIONS	ACQUISITIONSOn August 23, 2023, the Company agreed to acquire approximately $52 million of marine floor financing loans at par value along with other assets for an additional $2 million, primarily consisting of servicing rights as well as certain employees. The transaction was accounted for as an asset acquisition and such assets are included in the Company’s unaudited Condensed Consolidated Balance Sheets as of September 30, 2023.

FAIR VALUE

FAIR VALUE	3 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE The following tables sets forth the Company’s financial assets and liabilities measured at fair value on a recurring basis at September 30, 2023 and June 30, 2023. Assets and liabilities are classified in their entirety based on the lowest level of input significant to the fair value measurement: September 30, 2023 (Dollars in thousands) Significant Other Significant Total ASSETS: Securities—Trading $ 640 $ — $ 640 Securities—Available-for-sale: Agency MBS 1 27,624 — 27,624 Non-Agency MBS 2 — 206,076 206,076 Municipal 3,026 — 3,026 Total—Securities—Available-for-sale $ 30,650 $ 206,076 $ 236,726 Loans held for sale $ 8,014 $ — $ 8,014 Servicing rights $ — $ 29,338 $ 29,338 Other assets—Derivative instruments $ 1,295 $ — $ 1,295 LIABILITIES: Accrued expense and other liabilities—Derivative instruments $ 934 $ — $ 934 June 30, 2023 (Dollars in thousands) Significant Other Significant Total ASSETS: Securities—Trading $ 758 $ — $ 758 Securities—Available-for-sale: Agency MBS 1 23,947 — 23,947 Non-Agency MBS 2 — 205,005 205,005 Municipal 3,398 — 3,398 Total—Securities—Available-for-sale $ 27,345 $ 205,005 $ 232,350 Loans held for sale $ 23,203 $ — $ 23,203 Servicing rights $ — $ 25,443 $ 25,443 Other assets—Derivative instruments $ 919 $ — $ 919 LIABILITIES: Accrued expense and other liabilities—Derivative instruments $ 691 $ — $ 691 1 Includes securities guaranteed by Ginnie Mae, a U.S. government agency, and the government sponsored enterprises Fannie Mae and Freddie Mac. 2 Private sponsors of securities collateralized primarily by first-lien mortgage loans on commercial properties or by pools of 1-4 family residential first mortgages. Primarily super senior securities secured by Alt-A or pay-option adjustable rate mortgages (“ARMs”). The following tables present additional information about assets measured at fair value on a recurring basis and for which the Company has utilized Level 3 inputs to determine fair value: For the Three Months Ended September 30, 2023 (Dollars in thousands) Securities – Available-for-Sale: Non-Agency RMBS Servicing Rights 1 Total Opening Balance $ 205,005 $ 25,443 $ 230,448 Total gains or losses for the period: Included in earnings—Mortgage banking and servicing rights income — 1,858 1,858 Included in other comprehensive income 1,316 — 1,316 Purchases, retentions, issues, sales and settlements: Purchases/Retentions — 2,037 2,037 Settlements (245) — (245) Closing balance $ 206,076 $ 29,338 $ 235,414 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ — $ 1,858 $ 1,858 1 Earnings from servicing rights were attributable to: time and payoffs, representing a decrease in servicing rights value due to passage of time, including the impact from both regularly scheduled loan principal payments and loans that were paid down or paid off during the period of $0.2 million for the three months ended September 30, 2023 and an increase in servicing rights value resulting from market-driven changes in interest rates of $2.1 million for the three months ended September 30, 2023. Additions to servicing rights were related to purchases and servicing rights retained upon sale of loans held for sale. For the Three Months Ended September 30, 2022 (Dollars in thousands) Securities – Available-for-Sale: Non-Agency RMBS Servicing Rights 1 Derivative Instruments, net Total Opening Balance $ 186,814 $ 25,213 $ 464 $ 212,491 Total gains or losses for the period: Included in earnings—Mortgage banking and servicing rights income — 953 71 1,024 Included in other comprehensive income (2,473) — — (2,473) Purchases, retentions, issues, sales and settlements: Purchases/Retentions — 207 — 207 Settlements (329) — — (329) Closing balance $ 184,012 $ 26,373 $ 535 $ 210,920 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ — $ 953 $ 71 $ 1,024 1 Earnings from servicing rights were attributable to: time and payoffs, representing a decrease in servicing rights value due to passage of time, including the impact from both regularly scheduled loan principal payments and loans that were paid down or paid off during the period of $0.4 million for the three months ended September 30, 2022 and an increase in servicing rights value resulting from market-driven changes in interest rates of $1.4 million for the three months ended September 30, 2022. Additions to servicing rights were retained upon sale of loans held for sale. The table below summarizes the quantitative information about Level 3 fair value measurements as of the dates indicated: September 30, 2023 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) Securities – Non-agency MBS $ 206,076 Discounted Cash Flow Projected Constant Prepayment Rate, Projected Constant Default Rate, Projected Loss Severity, Discount Rate over SOFR Swaps 0.0 to 58.1% (34.9%) 0.0 to 7.6% (2.4%) 0.0 to 68.7% (28.5%) 2.6 to 6.5% (2.6%) Servicing Rights $ 29,338 Discounted Cash Flow Projected Constant Prepayment Rate, 4.8 to 39.9% (13.0%) 1.7 to 15.8 (7.4) 9.5 to 11.5% (9.8%) June 30, 2023 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) Securities – Non-agency MBS $ 205,005 Discounted Cash Flow Projected Constant Prepayment Rate, 0.0 to 59.7% (32.0%) 0.0 to 7.5% (2.4%) 0.0 to 68.7% (28.5%) 2.6 to 7.5% (2.7%) Servicing Rights $ 25,443 Discounted Cash Flow Projected Constant Prepayment Rate, 6.1 to 40.1% (12.6%) 1.8 to 10.9 (7.7) 9.5 to 11.5% (9.6%) For mortgage-backed securities, significant increases (decreases) in any of those inputs in isolation would result in a significantly lower (higher) fair value measurement. Generally, a change in the assumption used for the probability of default is accompanied by a directionally similar change in the assumption used for the projected loss severity and a directionally opposite change in the assumption used for projected prepayment rates. For servicing rights, significant increases in projected prepayment rates or discount rates in isolation would result in a significantly lower fair value measurement, while a significant increase in expected life in isolation would result in a significantly higher fair value measurement. Generally, a change in the projected prepayment rates is accompanied by a directionally opposite change in expected life. The aggregate fair value of loans held for sale, carried at fair value, contractual balance (including accrued interest), and unrealized gain were: (Dollars in thousands) September 30, 2023 June 30, 2023 Aggregate fair value $ 8,014 $ 23,203 Contractual balance 7,878 22,844 Unrealized gain $ 136 $ 359 The total interest income and amount of gains and losses from changes in fair value included in earnings for loans held for sale were: For the Three Months Ended September 30, (Dollars in thousands) 2023 2022 Interest income $ 189 $ 50 Change in fair value (129) 91 Total $ 60 $ 141 The table below summarizes assets measured for impairment on a non-recurring basis: September 30, 2023 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Other real estate owned and repossessed vehicles: Single family real estate $ — $ — $ 5,574 $ 5,574 Multifamily real estate — — 1,392 1,392 Autos $ — $ — $ 1,813 $ 1,813 Total $ — $ — $ 8,779 $ 8,779 June 30, 2023 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Other real estate owned and repossessed vehicles: Single family real estate $ — $ — $ 5,574 $ 5,574 Multifamily real estate — — 1,392 1,392 Autos — — 1,133 1,133 Total $ — $ — $ 8,099 $ 8,099 Other real estate owned and foreclosed assets, which are measured at the lower of carrying value or fair value less costs to sell, had a net carrying amount of $8.8 million at September 30, 2023, after write-downs of $0.4 million, and a net carrying amount of $8.1 million at June 30, 2023, after write-downs of $1.7 million. The following table presents quantitative information about Level 3 fair value measurements for other real estate owned and repossessed vehicles measured at fair value on a non-recurring basis at the periods indicated: September 30, 2023 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) 1 Other real estate owned and repossessed vehicles 2 : Single family real estate $ 5,574 Sales comparison approach Differences between the comparable sales 62.1 to 93.6% (62.1%) Multifamily real estate $ 1,392 Sales comparison approach and income approach Differences between the comparable sales and differences in net operating income expectations, capitalization rate 49.8% to 54.5% (49.8%) June 30, 2023 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) 1 Other real estate owned and repossessed vehicles 2 : Single family real estate $ 5,574 Sales comparison approach Differences between the comparable sales 62.1 to 93.6% (62.1%) Multifamily real estate $ 1,392 Sales comparison approach and income approach Differences between the comparable sales and differences in net operating income expectations, capitalization rate 49.8 to 54.5%% (49.8%) 1 For other real estate owned and repossessed vehicles the ranges shown may vary positively or negatively based on the comparable sales reported in the current appraisal. In certain instances, the range can be significant due to small sample sizes and in some cases the asset being valued having limited comparable sales with similar characteristics at the time the current appraisal is conducted. 2 Repossessed vehicles are valued using third-party pricing information of comparable vehicle sales without adjustment. Fair Value of Financial Instruments Carrying amounts and estimated fair values of financial instruments at September 30, 2023 and June 30, 2023 were: September 30, 2023 Fair Value (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 2,413,769 $ 2,413,769 $ — $ — $ 2,413,769 Securities—trading 640 — 640 — 640 Securities—available-for-sale 236,726 — 30,650 206,076 236,726 Stock of regulatory agencies 21,533 — 21,533 — 21,533 Loans held for sale, at fair value 8,014 — 8,014 — 8,014 Loans held for investment—net 16,955,041 — — 16,935,835 16,935,835 Securities borrowed 96,424 — — 102,084 102,084 Customer, broker-dealer and clearing receivables 285,423 — — 294,499 294,499 Servicing rights 29,338 — — 29,338 29,338 Other assets - derivative instruments 1,295 — 1,295 — 1,295 Financial liabilities: Total deposits 17,565,741 — 17,481,019 — 17,481,019 Advances from the Federal Home Loan Bank 90,000 — 82,234 — 82,234 Borrowings, subordinated notes and debentures 447,733 — 414,462 — 414,462 Securities loaned 116,446 — — 116,097 116,097 Customer, broker-dealer and clearing payables 341,915 — — 341,915 341,915 Accrued expense and other liabilities - derivative instruments 934 — 934 — 934 June 30, 2023 Fair Value (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 2,382,086 $ 2,382,086 $ — $ — $ 2,382,086 Securities—trading 758 — 758 — 758 Securities—available-for-sale 232,350 — 27,345 205,005 232,350 Stock of regulatory agencies 21,510 — 21,510 — 21,510 Loans held for sale, at fair value 23,203 — 23,203 — 23,203 Loans held for sale, at lower of cost or fair value 776 — — 780 780 Loans held for investment—net 16,456,728 — — 16,417,183 16,417,183 Securities borrowed 134,339 — — 143,461 143,461 Customer, broker-dealer and clearing receivables 374,074 — — 386,082 386,082 Servicing rights 25,443 — — 25,443 25,443 Other assets - derivative instruments 919 — 919 — 919 Financial liabilities: Total deposits 17,123,108 — 17,064,084 — 17,064,084 Advances from the Federal Home Loan Bank 90,000 — 83,192 — 83,192 Borrowings, subordinated notes and debentures 361,779 — 327,564 — 327,564 Securities loaned 159,832 — — 159,416 159,416 Customer, broker-dealer and clearing payables 445,477 — — 445,447 445,447 Accrued expense and other liabilities - derivative instruments 691 — 691 — 691 Carrying amount is the estimated fair value for cash and cash equivalents, stock of regulatory agencies, interest bearing deposits, accrued interest receivable and payable, demand deposits, short-term debt, and variable rate loans or deposits that reprice frequently and fully. For fixed rate loans, deposits, borrowings or subordinated debt and for variable rate loans, deposits, borrowings or subordinated debt with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk. A discussion of the methods of valuing trading securities, available for sale securities, loans held for sale and derivatives can be found in Note 3 — “Fair Value” of the 2023 Form 10-K. The fair value of off-balance sheet items is not material.

SECURITIES

SECURITIES	3 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The amortized cost, carrying amount and fair value for the securities available-for-sale for the following periods were: September 30, 2023 Trading Available-for-sale (Dollars in thousands) Fair Amortized Unrealized Unrealized Fair Mortgage-backed securities (MBS): U.S. agencies 1 $ — $ 31,277 $ 1 $ (3,654) $ 27,624 Non-agency 2 — 210,027 723 (4,674) 206,076 Total mortgage-backed securities — 241,304 724 (8,328) 233,700 Non-MBS: Municipal 640 3,689 — (663) 3,026 Total Non-MBS 640 3,689 — (663) 3,026 Total debt securities $ 640 $ 244,993 $ 724 $ (8,991) $ 236,726 June 30, 2023 Trading Available-for-sale (Dollars in thousands) Fair Amortized Unrealized Unrealized Fair Mortgage-backed securities (MBS): U.S. agencies 1 $ — $ 27,024 $ — $ (3,077) $ 23,947 Non-agency 2 — 210,271 711 (5,977) 205,005 Total mortgage-backed securities — 237,295 711 (9,054) 228,952 Non-MBS: Municipal 758 3,656 — (258) 3,398 Total Non-MBS 758 3,656 — (258) 3,398 Total debt securities $ 758 $ 240,951 $ 711 $ (9,312) $ 232,350 1 Includes securities guaranteed by Ginnie Mae, a U.S. government agency, and the government sponsored enterprises Fannie Mae and Freddie Mac. 2 Private sponsors of securities collateralized primarily by first-lien mortgage loans on commercial properties or by pools of 1-4 family residential first mortgages. Primarily super senior securities secured by Alt-A or pay-option ARM mortgages. No credit losses were recognized on available-for-sale securities in the three months ended September 30, 2023 and September 30, 2022. Based on the underlying government guarantees and other credit protection supporting our securities, no allowance for credit losses for available-for-sale debt securities was recorded at September 30, 2023 and June 30, 2023. The Company has no allowance for the available-for-sale debt securities in an unrealized loss position based on an analysis of: (1) the credit characteristics of the securities, including the forecasted cash flows, credit ratings, credit enhancement, and external government backing, as applicable, and (2) whether the Company is intending to sell or is required to sell any securities before recovering the amortized cost basis of the securities. The unrealized losses on available-for-sale securities are primarily driven by the increase in interest rates since the securities were purchased. The face amounts of available-for-sale debt securities pledged to secure borrowings at both September 30, 2023 and June 30, 2023 were $0.9 million. During the three months ended September 30, 2023 and 2022, the Company sold no available-for-sale securities. Securities with unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were: September 30, 2023 Available-for-sale securities in loss position for Less Than More Than Total (Dollars in thousands) Fair Gross Fair Gross Fair Gross MBS: U.S. agencies $ 7,321 $ (174) $ 20,134 $ (3,480) $ 27,455 $ (3,654) Non-agency 72,567 (53) 131,874 (4,621) 204,441 (4,674) Total MBS 79,888 (227) 152,008 (8,101) 231,896 (8,328) Non-MBS: Municipal — — 3,026 (663) 3,026 (663) Total Non-MBS — — 3,026 (663) 3,026 (663) Total debt securities $ 79,888 $ (227) $ 155,034 $ (8,764) $ 234,922 $ (8,991) June 30, 2023 Available-for-sale securities in loss position for Less Than More Than Total (Dollars in thousands) Fair Gross Fair Gross Fair Gross MBS: U.S. agencies $ 3,182 $ (16) $ 20,642 $ (3,061) $ 23,824 $ (3,077) Non-agency 107,982 (1,808) 95,385 (4,169) 203,367 (5,977) Total MBS 111,164 (1,824) 116,027 (7,230) 227,191 (9,054) Non-MBS: Municipal — — 3,398 (258) 3,398 (258) Total Non-MBS — — 3,398 (258) 3,398 (258) Total debt securities $ 111,164 $ (1,824) $ 119,425 $ (7,488) $ 230,589 $ (9,312) The components of the Company’s accumulated other comprehensive income (loss) are as follows: (Dollars in thousands) September 30, June 30, Available-for-sale debt securities—net unrealized gains (losses) $ (8,266) $ (8,601) Available-for-sale debt securities—non-credit related (845) (845) Subtotal (9,111) (9,446) Tax benefit (expense) 2,723 2,836 Net unrealized gain (loss) on investment securities in accumulated other comprehensive income (loss) $ (6,388) $ (6,610) The following table sets forth the expected maturity distribution of our mortgage-backed securities, which is based on assumed prepayment rates, and the contractual maturity distribution of our non-MBS securities: At September 30, 2023 (Dollars in thousands) Total Amount Due Within One Year Due after One but within Five Years Due after Five but within Ten Years Due After Ten Years MBS: Agency 1 $ 31,277 $ 6,444 $ 14,821 $ 7,460 $ 2,552 Non-Agency 2 $ 210,027 $ 127,741 $ 79,585 $ 1,640 $ 1,061 Total MBS $ 241,304 $ 134,185 $ 94,406 $ 9,100 $ 3,613 Non-MBS: Municipal $ 3,689 $ — $ — $ — $ 3,689 Total Non-MBS $ 3,689 $ — $ — $ — $ 3,689 Available-for-sale—Amortized Cost $ 244,993 $ 134,185 $ 94,406 $ 9,100 $ 7,302 Available-for-sale—Fair value $ 236,726 $ 130,977 $ 91,040 $ 8,203 $ 6,506 1 Includes securities guaranteed by Ginnie Mae, a U.S. government agency, and the government sponsored enterprises Fannie Mae and Freddie Mac. 2 Private sponsors of securities collateralized primarily by pools of 1-4 family residential, Alt-A or pay-option ARM mortgages and commercial mortgages.

LOANS & ALLOWANCE FOR CREDIT LO

LOANS & ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
LOANS & ALLOWANCE FOR CREDIT LOSSES	LOANS & ALLOWANCE FOR CREDIT LOSSES The Company categorizes the loan portfolio into six segments: Single Family - Mortgage & Warehouse, Multifamily and Commercial Mortgage, Commercial Real Estate, Commercial & Industrial - Non Real Estate, Auto & Consumer and Other. For further detail of the segments of the Company’s loan portfolio, refer to Note 1 — “Organizations and Summary of Significant Accounting Policies” within the 2023 Form 10-K. The following table sets forth the composition of the loan portfolio as of the dates indicated: (Dollars in thousands) September 30, 2023 June 30, 2023 Single Family - Mortgage & Warehouse $ 4,313,906 $ 4,173,833 Multifamily and Commercial Mortgage 2,961,981 3,082,225 Commercial Real Estate 6,168,626 6,199,818 Commercial & Industrial - Non-RE 3,208,969 2,639,650 Auto & Consumer 506,011 546,264 Other 2,438 10,236 Total gross loans and leases 17,161,931 16,652,026 Allowance for credit losses - loans (170,870) (166,680) Unaccreted premiums (discounts) and loan fees (36,020) (28,618) Total net loans and leases $ 16,955,041 $ 16,456,728 Accrued interest receivable on loans held for investments totaled $90.8 million and $77.9 million as of September 30, 2023 and June 30, 2023, respectively. At September 30, 2023 and June 30, 2023, the Company has pledged certain loans totaling $5,172.6 million and $5,128.4 million, respectively, to the Federal Home Loan Bank (“FHLB”) and $3,642.6 million and $3,689.5 million, respectively, to the Federal Reserve Bank of San Francisco (“FRBSF”). The following table presents the components of the provision for credit losses: For the Three Months Ended September 30, (Dollars in thousands) 2023 2022 Provision for credit losses - loans $ 5,750 $ 8,750 Provision for credit losses - unfunded lending commitments 1,250 — Total provision for credit losses $ 7,000 $ 8,750 The following tables summarize activity in the allowance for credit losses - loans by portfolio segment for the periods indicated. For the Three Months Ended September 30, 2023 (Dollars in thousands) Single Family-Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Commercial & Industrial - Non-RE Auto & Consumer Other Total Balance at July 1, 2023 $ 17,503 $ 16,848 $ 72,755 $ 46,347 $ 13,212 $ 15 $ 166,680 Provision (benefit) for credit losses - loans (10) (974) (1,400) 8,245 (105) (6) 5,750 Charge-offs (80) — — — (2,281) — (2,361) Recoveries 13 — — — 788 — 801 Balance at September 30, 2023 $ 17,426 $ 15,874 $ 71,355 $ 54,592 $ 11,614 $ 9 $ 170,870 For the Three Months Ended September 30, 2022 (Dollars in thousands) Single Family-Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Commercial & Industrial - Non-RE Auto & Consumer Other Total Balance at July 1, 2022 $ 19,670 $ 14,655 $ 69,339 $ 30,808 $ 14,114 $ 31 $ 148,617 Provision (benefit) for credit losses - loans (1,642) (6) 4,437 3,557 2,405 (1) 8,750 Charge-offs (4) — — — (2,362) — (2,366) Recoveries 15 — — 18 438 — 471 Balance at September 30, 2022 $ 18,039 $ 14,649 $ 73,776 $ 34,383 $ 14,595 $ 30 $ 155,472 For the three months ended September 30, 2023, the allowance for credit losses for loans increased primarily due to net loan growth, mainly in the Commercial & Industrial - Non-RE portfolio, and a shift in weighting towards the more adverse forecast scenarios reflecting uncertainty in the economic environment. L oan products within each portfolio contain varying collateral types which impact the estimate of the loss given default utilized in the calculation of the allowance. For further discussion of the model method of estimating expected lifetime credit losses to Note 1 — “Organizations and Summary of Significant Accounting Policies” within the 2023 Form 10-K. The following tables present a summary of the activity in the allowance for credit losses for off-balance sheet lending commitments for the periods indicated: Three Months Ended September 30, (Dollars in thousands) 2023 2022 BALANCE—beginning June 30 $ 10,473 $ 10,973 Provision for credit losses - unfunded lending commitments 1,250 — BALANCE—end September 30 $ 11,723 $ 10,973 The increase in the allowance for off-balance sheet lending commitments at September 30, 2023 compared to June 30, 2023, was primarily driven by an increase in the amount of Commercial & Industrial - Non-RE unfunded commitments. The following table presents loan-to-value (“LTV”) for the Company’s real estate loans outstanding as of September 30, 2023: Total Real Estate Loans Single Family - Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Weighted-Average LTV 48.9 % 57.3 % 53.6 % 40.7 % Median LTV 54.0 % 56.9 % 50.0 % 41.6 % The Company’s effective weighted-average LTV was 48.7% for real estate loans originated during the three months ended September 30, 2023. Credit Quality Disclosures. The following tables provide the composition of loans that are performing and nonaccrual by portfolio segment as of the dates indicated: September 30, 2023 (Dollars in thousands) Single Family-Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Commercial & Industrial - Non-RE Auto & Consumer Other Total Performing $ 4,277,324 $ 2,923,154 $ 6,142,524 $ 3,205,980 $ 503,625 $ 2,398 $ 17,055,005 Nonaccrual $ 36,582 $ 38,827 $ 26,102 $ 2,989 $ 2,386 $ 40 $ 106,926 Total $ 4,313,906 $ 2,961,981 $ 6,168,626 $ 3,208,969 $ 506,011 $ 2,438 $ 17,161,931 Non accrual loans to total loans 0.62 % June 30, 2023 (Dollars in thousands) Single Family-Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Commercial & Industrial - Non-RE Auto & Consumer Other Total Performing $ 4,143,119 $ 3,047,122 $ 6,184,966 $ 2,636,661 $ 544,807 $ 8,191 $ 16,564,866 Nonaccrual 30,714 35,103 14,852 2,989 1,457 2,045 87,160 Total $ 4,173,833 $ 3,082,225 $ 6,199,818 $ 2,639,650 $ 546,264 $ 10,236 $ 16,652,026 Non accrual loans to total loans 0.52 % There were no nonaccrual loans without an allowance for credit losses as of September 30, 2023 and June 30, 2023. There was no interest income recognized on nonaccrual loans in the three months ended September 30, 2023 and 2022. Credit Quality Indicators. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends. The Company analyzes loans individually by classifying the loans based on credit risk. The Company uses the following definitions for risk ratings. Pass. Loans classified as pass are well protected by the current net worth and paying capacity of the obligor or by the fair value of any underlying collateral, less cost to acquire and sell in a timely manner. Special Mention . Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Substandard . Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The Company reviews and grades loans following a continuous review process, featuring coverage of all loan types and business lines at least quarterly. Continuous reviewing provides more effective risk monitoring because it immediately tests for potential impacts caused by changes in personnel, policy, products or underwriting standards. The following tables presents the composition of loans by portfolio segment, fiscal year of origination and credit quality indicator, and the amount of gross charge-offs for the three months ended September 30, 2023 : September 30, 2023 Loans Held for Investment Origination Year Revolving Loans Total (Dollars in thousands) 2024 2023 2022 2021 2020 Prior Single Family-Mortgage & Warehouse Pass $ 209,544 $ 673,266 $ 1,306,937 $ 514,928 $ 313,863 $ 848,948 $ 295,078 $ 4,162,564 Special Mention — 19,368 18,998 6,468 11,028 36,745 — 92,607 Substandard — — 8,965 4,590 14,345 30,835 — 58,735 Doubtful — — — — — — — — Total 209,544 692,634 1,334,900 525,986 339,236 916,528 295,078 4,313,906 Gross charge-offs — — — — — 80 — 80 Multifamily and Commercial Mortgage Pass 9,328 478,469 974,390 479,725 299,551 597,311 — 2,838,774 Special Mention — 10,719 — 2,000 1,358 — — 14,077 Substandard — — 13,618 17,707 35,019 42,786 — 109,130 Doubtful — — — — — — — — Total 9,328 489,188 988,008 499,432 335,928 640,097 — 2,961,981 Gross charge-offs — — — — — — — — Commercial Real Estate Pass 501,339 1,867,923 2,113,338 563,541 20,737 62,928 840,449 5,970,255 Special Mention — — 45,130 — 7,871 15,887 — 68,888 Substandard — — 45,242 38,902 15,000 30,339 — 129,483 Doubtful — — — — — — — — Total 501,339 1,867,923 2,203,710 602,443 43,608 109,154 840,449 6,168,626 Gross charge-offs — — — — — — — — Commercial & Industrial - Non-RE Pass 248,136 416,819 287,067 28,675 9,041 5,866 2,129,452 3,125,056 Special Mention — 6,806 35,430 — 10,986 — 12,046 65,268 Substandard — — 14,624 1,032 — 2,989 — 18,645 Doubtful — — — — — — — — Total 248,136 423,625 337,121 29,707 20,027 8,855 2,141,498 3,208,969 Gross charge-offs — — — — — — — — Auto & Consumer Pass 10,130 148,607 234,996 62,579 21,381 24,704 — 502,397 Special Mention — 338 576 69 26 58 — 1,067 Substandard — 579 1,191 385 153 239 — 2,547 Doubtful — — — — — — — — Total 10,130 149,524 236,763 63,033 21,560 25,001 — 506,011 Gross charge-offs — 711 1,093 378 73 26 — 2,281 Other Pass 905 — — 1,190 — 303 — 2,398 Special Mention — — — — — — — — Substandard — — — 40 — — — 40 Doubtful — — — — — — — — Total 905 — — 1,230 — 303 — 2,438 Gross charge-offs — — — — — — — — Total Pass 979,382 3,585,084 4,916,728 1,650,638 664,573 1,540,060 3,264,979 16,601,444 Special Mention — 37,231 100,134 8,537 31,269 52,690 12,046 241,907 Substandard — 579 83,640 62,656 64,517 107,188 — 318,580 Doubtful — — — — — — — — Total $ 979,382 $ 3,622,894 $ 5,100,502 $ 1,721,831 $ 760,359 $ 1,699,938 $ 3,277,025 $ 17,161,931 As a % of total gross loans 5.71% 21.11% 29.72% 10.03% 4.43% 9.91% 19.09% 100.0% Total gross charge-offs $ — $ 711 $ 1,093 $ 378 $ 73 $ 106 $ — $ 2,361 June 30, 2023 Loans Held for Investment Origination Year Revolving Loans Total (Dollars in thousands) 2023 2022 2021 2020 2019 Prior Single Family-Mortgage & Warehouse Pass $ 730,498 $ 1,346,804 $ 522,873 $ 324,458 $ 255,547 $ 639,401 $ 243,175 $ 4,062,756 Special Mention — 7,280 7,026 8,303 12,942 18,244 6,614 60,409 Substandard — 5,188 4,686 14,384 2,024 24,386 — 50,668 Doubtful — — — — — — — — Total 730,498 1,359,272 534,585 347,145 270,513 682,031 249,789 4,173,833 Multifamily and Commercial Mortgage Pass 558,787 975,186 498,744 314,383 224,592 404,222 — 2,975,914 Special Mention — 9,691 4,636 1,360 7,705 — — 23,392 Substandard — 3,145 5,686 38,857 6,181 29,050 — 82,919 Doubtful — — — — — — — — Total 558,787 988,022 509,066 354,600 238,478 433,272 — 3,082,225 Commercial Real Estate Pass 1,867,476 2,323,095 631,500 87,059 117,928 — 960,024 5,987,082 Special Mention 29,000 43,427 — 8,457 800 15,062 96,746 Substandard — 29,200 37,951 18,500 15,487 14,852 — 115,990 Doubtful — — — — — — — — Total 1,896,476 2,395,722 669,451 114,016 134,215 29,914 960,024 6,199,818 Commercial & Industrial - Non-RE Pass 488,120 358,214 29,777 14,794 2,098 — 1,707,619 2,600,622 Special Mention — 8,221 — 11,413 — — 600 20,234 Substandard — 17,762 1,032 — — — — 18,794 Doubtful — — — — — — — — Total 488,120 384,197 30,809 26,207 2,098 — 1,708,219 2,639,650 Auto & Consumer Pass 161,831 256,154 70,223 24,906 19,897 9,929 — 542,940 Special Mention 423 632 453 60 14 6 — 1,588 Substandard 350 785 233 133 162 73 — 1,736 Doubtful — — — — — — — — Total 162,604 257,571 70,909 25,099 20,073 10,008 — 546,264 Other Pass 5,721 — 1,306 — — 1,164 — 8,191 Special Mention — — — — — — — — Substandard — 2,000 45 — — — — 2,045 Doubtful — — — — — — — — Total 5,721 2,000 1,351 — — 1,164 — 10,236 Total Pass 3,812,433 5,259,453 1,754,423 765,600 620,062 1,054,716 2,910,818 16,177,505 Special Mention 29,423 69,251 12,115 29,593 21,461 33,312 7,214 202,369 Substandard 350 58,080 49,633 71,874 23,854 68,361 — 272,152 Doubtful — — — — — — — — Total $ 3,842,206 $ 5,386,784 $ 1,816,171 $ 867,067 $ 665,377 $ 1,156,389 $ 2,918,032 $ 16,652,026 As a % of total gross loans 23.07% 32.35% 10.91% 5.21% 4.00% 6.94% 17.52% 100.0% The Company considers the performance of the loan portfolio and its impact on the allowance for credit losses and evaluates credit quality based on the aging status of its loans. Certain short-term loans do not have a fixed maturity date and are treated as delinquent if not paid in full 90 days after the origination date. The following tables provide the aging of loans by portfolio segment as of the dates indicated: September 30, 2023 (Dollars in thousands) Current 30-59 Days 60-89 Days 90+ Days Total Single Family-Mortgage & Warehouse $ 4,227,936 $ 26,362 $ 11,118 $ 48,490 $ 4,313,906 Multifamily and Commercial Mortgage 2,921,752 6,307 — 33,922 2,961,981 Commercial Real Estate 6,126,237 800 — 41,589 6,168,626 Commercial & Industrial - Non-RE 3,208,969 — — — 3,208,969 Auto & Consumer 498,370 4,815 1,289 1,537 506,011 Other 2,227 211 — — 2,438 Total $ 16,985,491 $ 38,495 $ 12,407 $ 125,538 $ 17,161,931 As a % of total gross loans 98.98 % 0.22 % 0.07 % 0.73 % 100.00 % June 30, 2023 (Dollars in thousands) Current 30-59 Days 60-89 Days 90+ Days Total Single Family-Mortgage & Warehouse $ 4,102,150 $ 20,832 $ 7,971 $ 42,880 $ 4,173,833 Multifamily and Commercial Mortgage 3,048,217 2,705 1,124 30,179 3,082,225 Commercial Real Estate 6,173,716 11,250 — 14,852 6,199,818 Commercial & Industrial - Non-RE 2,639,650 — — — 2,639,650 Auto & Consumer 537,181 6,529 1,707 847 546,264 Other 8,024 68 1 2,143 10,236 Total $ 16,508,938 $ 41,384 $ 10,803 $ 90,901 $ 16,652,026 As a % of total gross loans 99.14 % 0.25 % 0.06 % 0.55 % 100.00 % Loans reaching 90+ days past due are generally placed on non-accrual. As of September 30, 2023 and June 30, 2023, there were loans of $29.8 million and $14.1 million, respectively, over 90 days past due and still accruing interest as the Company expects to collect the principal and interest amounts due. Single family mortgage loans in process of foreclosure were $18.0 million and $17.7 million as of September 30, 2023 and June 30, 2023, respectively. Loan Modifications to Borrowers Experiencing Financial Difficulty. The Company may grant certain modifications of loans to borrowers experiencing financial difficulty, which effective July 1, 2023, are reported as financial difficulty modifications (“FDMs”). The Company’s modification programs provide various modifications to borrowers experiencing financial difficulty which may include interest rate reductions, term extensions, payment delays and/or principal forgiveness. There were no FDMs during the three months ended September 30, 2023. Prior to adoption of ASU 2022-02, the Company accounted for certain modifications as troubled debt restructurings (“TDRs”). Approximately 1.77% of our nonaccrual loans were considered TDRs at June 30, 2023. Borrowers that made timely payments after TDRs were considered non-performing for at least six months. Generally, after six months of timely payments, those TDRs were reclassified from the nonaccrual loan category to the performing loan category and any previously deferred interest income was recognized. The Company had no TDRs classified as performing loans at June 30, 2023.

STOCKHOLDERS_ EQUITY AND STOCK-

STOCKHOLDERS’ EQUITY AND STOCK-BASED COMPENSATION	3 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
STOCKHOLDERS’ EQUITY AND STOCK-BASED COMPENSATION	STOCKHOLDERS’ EQUITY AND STOCK-BASED COMPENSATION The Company has an equity incentive plan, the Amended and Restated 2014 Stock Incentive Plan (the “2014 Plan”), which provides for the granting of non-qualified and incentive stock options, restricted stock and restricted stock units, stock appreciation rights and other awards to employees, directors and consultants. The 2014 Plan is designed to encourage selected employees and directors to improve operations and increase profits, and to accept or continue employment or association with the Company through participation in the growth in the value of the Company’s common stock. The Company also has an employment agreement with its Chief Executive Officer that authorizes an award of restricted stock units (the “RSU award”). For additional information regarding the Company’s stock-based compensation plans, see Note 16 — “Stock-based Compensation” in the 2023 Form 10-K. At September 30, 2023, 915,865 shares of common stock remained available for issuance pursuant to grant awards under the 2014 Plan and unrecognized compensation expense related to non-vested awards aggregated to $53.1 million and is expected to be recognized in future periods as follows: (Dollars in thousands) Stock Award For the fiscal year remainder: Remainder of fiscal year 2024 $ 21,320 2025 19,416 2026 10,256 2027 1,879 2028 237 Total $ 53,108 The following table presents the status and changes in RSUs for the periods indicated: RSUs Weighted-Average Non-vested balance at June 30, 2023 1,407,882 $ 41.53 Granted 631,577 42.60 Vested (360,817) 37.62 Forfeited (12,781) 39.57 Non-vested balance at September 30, 2023 1,665,861 $ 42.80 The total fair value of shares vested for the three months ended September 30, 2023 was $14.8 million. The total fair value of shares vested for the three months ended September 30, 2022 was $12.0 million. The weighted-average remaining time period until vesting for restricted stock units as of September 30, 2023 was 1.5 years. Common Stock Repurchases . During the three months ended September 30, 2023, the Company repurchased a total of $24.5 million, or 648,208 common shares at an average price of $37.85 per share. $6.0 million of such repurchases, or 159,297 common shares, were traded prior to September 30, 2023 but settled in October 2023. The Company repurchased an additional 963,640 shares for approximately $35 million from October 1, 2023 through October 20, 2023. The Company did not repurchase common stock during the three months ended September 30, 2022. For additional information regarding the Company’s share repurchase program see Note 15 — “Stockholders’ Equity” in the 2023 Form 10-K.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	3 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE The following table presents the calculation of basic and diluted earnings per common share (“EPS”): Three Months Ended September 30, (Dollars in thousands, except per share data) 2023 2022 Earnings Per Common Share Net income $ 82,645 $ 58,407 Average common shares issued and outstanding 58,949,038 59,854,584 Earnings per common share $ 1.40 $ 0.98 Diluted Earnings Per Common Share Net income $ 82,645 $ 58,407 Average common shares issued and outstanding 58,949,038 59,854,584 Dilutive effect of average unvested RSUs 859,284 631,810 Average dilutive common shares outstanding 59,808,322 60,486,394 Diluted earnings per common share $ 1.38 $ 0.97 For further information regarding the Company’s EPS calculation see Note 17 — “Earnings per Common Share” in the 2023 Form 10-K. For the three months ended September 30, 2023 and 2022, the number of weighted average antidilutive common stock equivalents that were not included in the computation of diluted EPS, because they would have been antidilutive, was 5,348 and 251,841 respectively.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Sep. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	COMMITMENTS AND CONTINGENCIES Operating Leases. The Company leases office space under operating lease agreements scheduled to expire at various dates. The following table represents maturities of lease liabilities as of September 30, 2023: (Dollars in thousands) As of September 30, Within one year $ 11,635 After one year and within two years 11,833 After two years and within three years 11,409 After three years and within four years 11,504 After four years within five years 9,869 After five years 17,841 Total lease payments 74,091 Less: amount representing interest (6,847) Total lease liability $ 67,244 Credit-Related Financial Instruments . The Company is a party to credit-related financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments are commitments to extend credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the unaudited condensed consolidated balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making commitments as it does for on-balance-sheet instruments. At September 30, 2023, the Company had unfunded commitments to originate $99.0 million million in fixed rate loans and $3,119.3 million million in variable rate loans, totaling an aggregate outstanding principal balance of $3,218.3 million million. For September 30, 2023, the Company’s fixed rate commitments to originate had a weighted-average rate of 8.44%. At September 30, 2023, the Company also had fixed rate commitments to sell loans with an aggregate outstanding principal balance of $13.2 million. At September 30, 2023, 36.0% of the commitments to originate loans are matched with commitments to sell related to conforming single family loans classified as held for sale, respectively. Commitments to extend credit are agreements to lend to a customer so long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The commitments for equity lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management’s credit evaluation of the customer. In the normal course of business, Axos Clearing LLC.’s (“Axos Clearing”) customer activities involve the execution, settlement, and financing of various customer securities transactions. These activities may expose Axos Clearing to off-balance-sheet risk in the event the customer or other broker is unable to fulfill its contracted obligations and Axos Clearing has to purchase or sell the financial instrument underlying the contract at a loss. Axos Clearing’s clearing agreements with broker-dealers for which it provides clearing services requires them to indemnify Axos Clearing if customers fail to satisfy their contractual obligation. Litigation . A consolidated derivative action, In re BofI Holding, Inc., Case No. 15cv2722 GPC (KSC), is pending before the United States District Court for the Southern District of California (the “Derivative Action”). The complaint in the Derivative Action sets forth allegations made in a related employment action, Erhart v. BofI Holding Inc., No. 15cv2287 BAS (NLS) (S.D. Cal.) (the “Employment Action”) brought by a former employee of the Company. The Derivative Action plaintiff seeks damages on behalf of the Company should an adverse judgment be entered in the Employment Action, and also seeks damages on behalf of the Company in connection with a now settled securities class action that was also based upon allegations made in the Employment Action and settled within available insurance coverage without attribution of wrongdoing to the Company, its management, or its directors. The Derivative Action has been stayed pending resolution of the Employment Action. On October 26, 2022, a jury verdict was reached in the case of MUFG Union Bank, N.A. v. Axos Bank, et al, awarding damages to Union Bank. Judgment on such verdict was initially entered on June 5, 2023, and a corrected judgment was entered on June 20, 2023. The Company filed a Notice of Appeal on July 6, 2023, and the plaintiff filed a Notice of Cross-Appeal on July 20, 2023. The Company recorded a $16 million accrued expense in “Accounts payable and other liabilities” on the condensed consolidated balance sheet and in “General and administrative expense” on the condensed consolidated statement of income as of and for the year ended June 30, 2023, respectively. Given the uncertainty of the appellate process and other factors that are unknown or currently unquantifiable, the Company maintained its accrual at September 30, 2023. In view of the inherent difficulty of predicting the outcome of each legal action it is not possible to reasonably predict or estimate the eventual loss or range of loss, if any, related to each legal action.

SEGMENT REPORTING AND REVENUE I

SEGMENT REPORTING AND REVENUE INFORMATION	3 Months Ended
	Sep. 30, 2023
Segment Reporting [Abstract]
SEGMENT REPORTING AND REVENUE INFORMATION	SEGMENT REPORTING AND REVENUE INFORMATION Segment Reporting. The operating segments reported below are the segments of the Company for which separate financial information is available and for which segment results are evaluated regularly by the Chief Executive Officer in deciding how to allocate resources and in assessing performance. The operating segments and segment results of the Company are determined based upon the management reporting system, which assigns balance sheet and income statement items to each of the business segments and by which segment results are evaluated by the Chief Executive Officer in deciding how to allocate resources and in assessing performance. The Company evaluates performance and allocates resources based on pre-tax profit or loss from operations. Certain corporate administration costs have not been allocated to the reportable segments. The Company operates through two operating segments: Banking Business and Securities Business. Inter-segment transactions are eliminated in consolidation and primarily include non-interest income earned by the Securities Business segment and non-interest expense incurred by the Banking Business segment for cash sorting fees related to deposits sourced from Securities Business segment customers, as well as interest expense paid by the Banking Business segment to each of the wholly-owned subsidiaries of the Company and to the Company itself for their operating cash held on deposit with the Business Banking segment. For more information on the Company’s operating segments, see Note 23 — “Segment Reporting” in the Company’s 2023 Form 10-K. In order to reconcile the two segments to the consolidated totals, the Company includes parent-only activities and intercompany eliminations. The following tables present the operating results, goodwill, and assets of the segments: For the Three Months Ended September 30, 2023 (Dollars in thousands) Banking Securities Business Corporate/Eliminations Axos Consolidated Net interest income $ 209,219 $ 5,542 $ (3,606) $ 211,155 Provision for credit losses 7,000 — — 7,000 Non-interest income 12,557 34,555 (12,605) 34,507 Non-interest expense 100,786 27,523 (7,803) 120,506 Income before taxes $ 113,990 $ 12,574 $ (8,408) $ 118,156 For the Three Months Ended September 30, 2022 (Dollars in thousands) Banking Securities Business Corporate/Eliminations Axos Consolidated Net interest income $ 179,730 $ 4,275 $ (3,530) $ 180,475 Provision for credit losses 8,750 — — 8,750 Non-interest income 10,712 29,165 (12,669) 27,208 Non-interest expense 100,796 24,515 (9,224) 116,087 Income before taxes $ 80,896 $ 8,925 $ (6,975) $ 82,846 As of September 30, 2023 (Dollars in thousands) Banking Securities Business Corporate/Eliminations Axos Consolidated Goodwill $ 35,721 $ 61,952 $ — $ 97,673 Total Assets $ 19,929,316 $ 858,141 $ 37,749 $ 20,825,206 As of June 30, 2023 (Dollars in thousands) Banking Securities Business Corporate/Eliminations Axos Consolidated Goodwill $ 35,721 $ 61,952 $ — $ 97,673 Total Assets $ 19,396,167 $ 899,496 $ 52,806 $ 20,348,469 Revenue Information. The following presents non-interest income, segregated by revenue streams in-scope and out-of-scope of Accounting Standards Codification (“ASC”) 606 for the periods indicated. For further information of the Company’s recognition of revenue and ASC 606 see Note 1 — “Organizations and Summary of Significant Accounting Policies” in the 2023 Form 10-K. For the Three Months Ended September 30, (Dollars in thousands) 2023 2022 Advisory fee income $ 8,219 $ 6,959 Broker-dealer clearing fees 5,535 5,233 Deposit service fees 680 1,106 Card fees 682 789 Bankruptcy trustee and fiduciary service fees 1,394 773 Non-interest income (in-scope ASC 606) 16,510 14,860 Non-interest income (out-of-scope ASC 606) 17,997 12,348 Total non-interest income $ 34,507 $ 27,208

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
Consolidation	The condensed consolidated financial statements include the accounts of Axos Financial, Inc. (“Axos”) and its wholly owned subsidiaries, Axos Bank (the “Bank”) and Axos Nevada Holding, LLC (“Axos Nevada Holding” and collectively, the “Company”). Axos, the Bank and Axos Nevada Holding comprise substantially all of the Company’s assets and liabilities and revenues and expenses. Axos Bank and its wholly owned subsidiaries constitute the Banking Business segment and Axos Nevada Holding and its wholly owns the subsidiaries constitute the Securities Business segment. All significant intercompany balances and transactions have been eliminated in consolidation. The Notes to the Consolidated Financial Statements are an integral part of the Company’s financial statements.
Basis of Presentation	The accompanying interim condensed consolidated financial statements, presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”), are unaudited and reflect all adjustments which, in the opinion of management, are necessary for a fair statement of financial condition and results of operations for the interim periods. All adjustments are of a normal and recurring nature. Certain amounts reported in prior periods have been reclassified to conform with the current presentation. Results for the three months ended September 30, 2023 are not necessarily indicative of results that may be expected for any other interim period or for the year as a whole. Certain information and note disclosures normally included in the audited annual financial statements prepared in accordance with GAAP have been condensed or not repeated herein pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”) with respect to interim financial reporting. The accompanying unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and accompanying notes for the year ended June 30, 2023 included in our Annual Report on Form 10-K for the fiscal year ended June 30, 2023 (“2023 Form 10-K”) filed with the SEC.
Significant Accounting Policies	Significant Accounting Policies For further information regarding the Company’s significant accounting policies see Note 1 — “Organizations and Summary of Significant Accounting Policies” in the 2023 Form 10-K. During the three months ended September 30, 2023 there were no significant updates to the Company’s significant accounting policies, other than as described below and for the adoption of the accounting standards noted herein. New Accounting Standards The Financial Accounting Standards Board (“FASB”) issued three Accounting Standards Updates (“ASUs”) (2020-04, 2021-04 and 2022-06) all of which provide guidance to alleviate the burden in accounting for reference rate reform by allowing certain expedients and exceptions in applying generally accepted accounting principles to contracts, hedging relationships, and other transactions impacted by reference rate reform. The provisions apply only to those transactions that reference London Interbank Offered Rate (“LIBOR”) or another reference rate expected to be discontinued due to reference rate reform. Adoption of the provisions are optional and are effective from March 12, 2020 through December 31, 2024. The Company adopted these ASUs on July 1, 2023, and there was no impact on its financial condition or results of operations upon adoption. In March 2022, the FASB issued ASU 2022-02 which eliminates the accounting guidance for troubled debt restructurings by creditors that have adopted the current expected credit losses (“CECL”) model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The Company adopted this ASU on a prospective basis on July 1, 2023, and there was no impact on its financial condition or results of operations upon adoption. See Note 5 — “Loans & Allowance for Credit Losses” for the new disclosures as a result of the adoption of this accounting guidance.
Credit Quality Indicators	Credit Quality Indicators. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends. The Company analyzes loans individually by classifying the loans based on credit risk. The Company uses the following definitions for risk ratings. Pass. Loans classified as pass are well protected by the current net worth and paying capacity of the obligor or by the fair value of any underlying collateral, less cost to acquire and sell in a timely manner. Special Mention . Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Substandard . Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The Company reviews and grades loans following a continuous review process, featuring coverage of all loan types and business lines at least quarterly. Continuous reviewing provides more effective risk monitoring because it immediately tests for potential impacts caused by changes in personnel, policy, products or underwriting standards.

FAIR VALUE (Tables)

FAIR VALUE (Tables)	3 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value on Recurring Basis	The following tables sets forth the Company’s financial assets and liabilities measured at fair value on a recurring basis at September 30, 2023 and June 30, 2023. Assets and liabilities are classified in their entirety based on the lowest level of input significant to the fair value measurement: September 30, 2023 (Dollars in thousands) Significant Other Significant Total ASSETS: Securities—Trading $ 640 $ — $ 640 Securities—Available-for-sale: Agency MBS 1 27,624 — 27,624 Non-Agency MBS 2 — 206,076 206,076 Municipal 3,026 — 3,026 Total—Securities—Available-for-sale $ 30,650 $ 206,076 $ 236,726 Loans held for sale $ 8,014 $ — $ 8,014 Servicing rights $ — $ 29,338 $ 29,338 Other assets—Derivative instruments $ 1,295 $ — $ 1,295 LIABILITIES: Accrued expense and other liabilities—Derivative instruments $ 934 $ — $ 934 June 30, 2023 (Dollars in thousands) Significant Other Significant Total ASSETS: Securities—Trading $ 758 $ — $ 758 Securities—Available-for-sale: Agency MBS 1 23,947 — 23,947 Non-Agency MBS 2 — 205,005 205,005 Municipal 3,398 — 3,398 Total—Securities—Available-for-sale $ 27,345 $ 205,005 $ 232,350 Loans held for sale $ 23,203 $ — $ 23,203 Servicing rights $ — $ 25,443 $ 25,443 Other assets—Derivative instruments $ 919 $ — $ 919 LIABILITIES: Accrued expense and other liabilities—Derivative instruments $ 691 $ — $ 691 1 Includes securities guaranteed by Ginnie Mae, a U.S. government agency, and the government sponsored enterprises Fannie Mae and Freddie Mac. 2 Private sponsors of securities collateralized primarily by first-lien mortgage loans on commercial properties or by pools of 1-4 family residential first mortgages. Primarily super senior securities secured by Alt-A or pay-option adjustable rate mortgages (“ARMs”).
Schedule of Additional Information About Assets Measured at Fair Value on a Recurring Basis and for which the Company has Utilized Level 3 Inputs to Determine Fair Value	The following tables present additional information about assets measured at fair value on a recurring basis and for which the Company has utilized Level 3 inputs to determine fair value: For the Three Months Ended September 30, 2023 (Dollars in thousands) Securities – Available-for-Sale: Non-Agency RMBS Servicing Rights 1 Total Opening Balance $ 205,005 $ 25,443 $ 230,448 Total gains or losses for the period: Included in earnings—Mortgage banking and servicing rights income — 1,858 1,858 Included in other comprehensive income 1,316 — 1,316 Purchases, retentions, issues, sales and settlements: Purchases/Retentions — 2,037 2,037 Settlements (245) — (245) Closing balance $ 206,076 $ 29,338 $ 235,414 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ — $ 1,858 $ 1,858 1 Earnings from servicing rights were attributable to: time and payoffs, representing a decrease in servicing rights value due to passage of time, including the impact from both regularly scheduled loan principal payments and loans that were paid down or paid off during the period of $0.2 million for the three months ended September 30, 2023 and an increase in servicing rights value resulting from market-driven changes in interest rates of $2.1 million for the three months ended September 30, 2023. Additions to servicing rights were related to purchases and servicing rights retained upon sale of loans held for sale. For the Three Months Ended September 30, 2022 (Dollars in thousands) Securities – Available-for-Sale: Non-Agency RMBS Servicing Rights 1 Derivative Instruments, net Total Opening Balance $ 186,814 $ 25,213 $ 464 $ 212,491 Total gains or losses for the period: Included in earnings—Mortgage banking and servicing rights income — 953 71 1,024 Included in other comprehensive income (2,473) — — (2,473) Purchases, retentions, issues, sales and settlements: Purchases/Retentions — 207 — 207 Settlements (329) — — (329) Closing balance $ 184,012 $ 26,373 $ 535 $ 210,920 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ — $ 953 $ 71 $ 1,024 1 Earnings from servicing rights were attributable to: time and payoffs, representing a decrease in servicing rights value due to passage of time, including the impact from both regularly scheduled loan principal payments and loans that were paid down or paid off during the period of $0.4 million for the three months ended September 30, 2022 and an increase in servicing rights value resulting from market-driven changes in interest rates of $1.4 million for the three months ended September 30, 2022. Additions to servicing rights were retained upon sale of loans held for sale.
Schedule of Quantitative Information About Level 3 Fair Value Measurements	The table below summarizes the quantitative information about Level 3 fair value measurements as of the dates indicated: September 30, 2023 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) Securities – Non-agency MBS $ 206,076 Discounted Cash Flow Projected Constant Prepayment Rate, Projected Constant Default Rate, Projected Loss Severity, Discount Rate over SOFR Swaps 0.0 to 58.1% (34.9%) 0.0 to 7.6% (2.4%) 0.0 to 68.7% (28.5%) 2.6 to 6.5% (2.6%) Servicing Rights $ 29,338 Discounted Cash Flow Projected Constant Prepayment Rate, 4.8 to 39.9% (13.0%) 1.7 to 15.8 (7.4) 9.5 to 11.5% (9.8%) June 30, 2023 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) Securities – Non-agency MBS $ 205,005 Discounted Cash Flow Projected Constant Prepayment Rate, 0.0 to 59.7% (32.0%) 0.0 to 7.5% (2.4%) 0.0 to 68.7% (28.5%) 2.6 to 7.5% (2.7%) Servicing Rights $ 25,443 Discounted Cash Flow Projected Constant Prepayment Rate, 6.1 to 40.1% (12.6%) 1.8 to 10.9 (7.7) 9.5 to 11.5% (9.6%) The following table presents quantitative information about Level 3 fair value measurements for other real estate owned and repossessed vehicles measured at fair value on a non-recurring basis at the periods indicated: September 30, 2023 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) 1 Other real estate owned and repossessed vehicles 2 : Single family real estate $ 5,574 Sales comparison approach Differences between the comparable sales 62.1 to 93.6% (62.1%) Multifamily real estate $ 1,392 Sales comparison approach and income approach Differences between the comparable sales and differences in net operating income expectations, capitalization rate 49.8% to 54.5% (49.8%) June 30, 2023 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) 1 Other real estate owned and repossessed vehicles 2 : Single family real estate $ 5,574 Sales comparison approach Differences between the comparable sales 62.1 to 93.6% (62.1%) Multifamily real estate $ 1,392 Sales comparison approach and income approach Differences between the comparable sales and differences in net operating income expectations, capitalization rate 49.8 to 54.5%% (49.8%) 1 For other real estate owned and repossessed vehicles the ranges shown may vary positively or negatively based on the comparable sales reported in the current appraisal. In certain instances, the range can be significant due to small sample sizes and in some cases the asset being valued having limited comparable sales with similar characteristics at the time the current appraisal is conducted. 2 Repossessed vehicles are valued using third-party pricing information of comparable vehicle sales without adjustment.
Schedule of Aggregate Fair Value, Contractual Balance, and Gains of Loans Held For Sale	The aggregate fair value of loans held for sale, carried at fair value, contractual balance (including accrued interest), and unrealized gain were: (Dollars in thousands) September 30, 2023 June 30, 2023 Aggregate fair value $ 8,014 $ 23,203 Contractual balance 7,878 22,844 Unrealized gain $ 136 $ 359 The total interest income and amount of gains and losses from changes in fair value included in earnings for loans held for sale were: For the Three Months Ended September 30, (Dollars in thousands) 2023 2022 Interest income $ 189 $ 50 Change in fair value (129) 91 Total $ 60 $ 141
Schedule of Fair Value Assets Measured on Nonrecurring Basis	The table below summarizes assets measured for impairment on a non-recurring basis: September 30, 2023 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Other real estate owned and repossessed vehicles: Single family real estate $ — $ — $ 5,574 $ 5,574 Multifamily real estate — — 1,392 1,392 Autos $ — $ — $ 1,813 $ 1,813 Total $ — $ — $ 8,779 $ 8,779 June 30, 2023 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Other real estate owned and repossessed vehicles: Single family real estate $ — $ — $ 5,574 $ 5,574 Multifamily real estate — — 1,392 1,392 Autos — — 1,133 1,133 Total $ — $ — $ 8,099 $ 8,099
Schedule of Carrying Amounts and Estimated Fair Values of Financial Instruments at Period-end	Carrying amounts and estimated fair values of financial instruments at September 30, 2023 and June 30, 2023 were: September 30, 2023 Fair Value (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 2,413,769 $ 2,413,769 $ — $ — $ 2,413,769 Securities—trading 640 — 640 — 640 Securities—available-for-sale 236,726 — 30,650 206,076 236,726 Stock of regulatory agencies 21,533 — 21,533 — 21,533 Loans held for sale, at fair value 8,014 — 8,014 — 8,014 Loans held for investment—net 16,955,041 — — 16,935,835 16,935,835 Securities borrowed 96,424 — — 102,084 102,084 Customer, broker-dealer and clearing receivables 285,423 — — 294,499 294,499 Servicing rights 29,338 — — 29,338 29,338 Other assets - derivative instruments 1,295 — 1,295 — 1,295 Financial liabilities: Total deposits 17,565,741 — 17,481,019 — 17,481,019 Advances from the Federal Home Loan Bank 90,000 — 82,234 — 82,234 Borrowings, subordinated notes and debentures 447,733 — 414,462 — 414,462 Securities loaned 116,446 — — 116,097 116,097 Customer, broker-dealer and clearing payables 341,915 — — 341,915 341,915 Accrued expense and other liabilities - derivative instruments 934 — 934 — 934 June 30, 2023 Fair Value (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 2,382,086 $ 2,382,086 $ — $ — $ 2,382,086 Securities—trading 758 — 758 — 758 Securities—available-for-sale 232,350 — 27,345 205,005 232,350 Stock of regulatory agencies 21,510 — 21,510 — 21,510 Loans held for sale, at fair value 23,203 — 23,203 — 23,203 Loans held for sale, at lower of cost or fair value 776 — — 780 780 Loans held for investment—net 16,456,728 — — 16,417,183 16,417,183 Securities borrowed 134,339 — — 143,461 143,461 Customer, broker-dealer and clearing receivables 374,074 — — 386,082 386,082 Servicing rights 25,443 — — 25,443 25,443 Other assets - derivative instruments 919 — 919 — 919 Financial liabilities: Total deposits 17,123,108 — 17,064,084 — 17,064,084 Advances from the Federal Home Loan Bank 90,000 — 83,192 — 83,192 Borrowings, subordinated notes and debentures 361,779 — 327,564 — 327,564 Securities loaned 159,832 — — 159,416 159,416 Customer, broker-dealer and clearing payables 445,477 — — 445,447 445,447 Accrued expense and other liabilities - derivative instruments 691 — 691 — 691

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Cost, Carrying Amount and Fair Value of Available-for-sale Securities	The amortized cost, carrying amount and fair value for the securities available-for-sale for the following periods were: September 30, 2023 Trading Available-for-sale (Dollars in thousands) Fair Amortized Unrealized Unrealized Fair Mortgage-backed securities (MBS): U.S. agencies 1 $ — $ 31,277 $ 1 $ (3,654) $ 27,624 Non-agency 2 — 210,027 723 (4,674) 206,076 Total mortgage-backed securities — 241,304 724 (8,328) 233,700 Non-MBS: Municipal 640 3,689 — (663) 3,026 Total Non-MBS 640 3,689 — (663) 3,026 Total debt securities $ 640 $ 244,993 $ 724 $ (8,991) $ 236,726 June 30, 2023 Trading Available-for-sale (Dollars in thousands) Fair Amortized Unrealized Unrealized Fair Mortgage-backed securities (MBS): U.S. agencies 1 $ — $ 27,024 $ — $ (3,077) $ 23,947 Non-agency 2 — 210,271 711 (5,977) 205,005 Total mortgage-backed securities — 237,295 711 (9,054) 228,952 Non-MBS: Municipal 758 3,656 — (258) 3,398 Total Non-MBS 758 3,656 — (258) 3,398 Total debt securities $ 758 $ 240,951 $ 711 $ (9,312) $ 232,350 1 Includes securities guaranteed by Ginnie Mae, a U.S. government agency, and the government sponsored enterprises Fannie Mae and Freddie Mac. 2 Private sponsors of securities collateralized primarily by first-lien mortgage loans on commercial properties or by pools of 1-4 family residential first mortgages. Primarily super senior securities secured by Alt-A or pay-option ARM mortgages. The following table sets forth the expected maturity distribution of our mortgage-backed securities, which is based on assumed prepayment rates, and the contractual maturity distribution of our non-MBS securities: At September 30, 2023 (Dollars in thousands) Total Amount Due Within One Year Due after One but within Five Years Due after Five but within Ten Years Due After Ten Years MBS: Agency 1 $ 31,277 $ 6,444 $ 14,821 $ 7,460 $ 2,552 Non-Agency 2 $ 210,027 $ 127,741 $ 79,585 $ 1,640 $ 1,061 Total MBS $ 241,304 $ 134,185 $ 94,406 $ 9,100 $ 3,613 Non-MBS: Municipal $ 3,689 $ — $ — $ — $ 3,689 Total Non-MBS $ 3,689 $ — $ — $ — $ 3,689 Available-for-sale—Amortized Cost $ 244,993 $ 134,185 $ 94,406 $ 9,100 $ 7,302 Available-for-sale—Fair value $ 236,726 $ 130,977 $ 91,040 $ 8,203 $ 6,506 1 Includes securities guaranteed by Ginnie Mae, a U.S. government agency, and the government sponsored enterprises Fannie Mae and Freddie Mac. 2 Private sponsors of securities collateralized primarily by pools of 1-4 family residential, Alt-A or pay-option ARM mortgages and commercial mortgages.
Schedule of Securities in a Continuous Unrealized Loss Position	Securities with unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were: September 30, 2023 Available-for-sale securities in loss position for Less Than More Than Total (Dollars in thousands) Fair Gross Fair Gross Fair Gross MBS: U.S. agencies $ 7,321 $ (174) $ 20,134 $ (3,480) $ 27,455 $ (3,654) Non-agency 72,567 (53) 131,874 (4,621) 204,441 (4,674) Total MBS 79,888 (227) 152,008 (8,101) 231,896 (8,328) Non-MBS: Municipal — — 3,026 (663) 3,026 (663) Total Non-MBS — — 3,026 (663) 3,026 (663) Total debt securities $ 79,888 $ (227) $ 155,034 $ (8,764) $ 234,922 $ (8,991) June 30, 2023 Available-for-sale securities in loss position for Less Than More Than Total (Dollars in thousands) Fair Gross Fair Gross Fair Gross MBS: U.S. agencies $ 3,182 $ (16) $ 20,642 $ (3,061) $ 23,824 $ (3,077) Non-agency 107,982 (1,808) 95,385 (4,169) 203,367 (5,977) Total MBS 111,164 (1,824) 116,027 (7,230) 227,191 (9,054) Non-MBS: Municipal — — 3,398 (258) 3,398 (258) Total Non-MBS — — 3,398 (258) 3,398 (258) Total debt securities $ 111,164 $ (1,824) $ 119,425 $ (7,488) $ 230,589 $ (9,312)
Schedule of Components of Other Comprehensive Income (Loss)	The components of the Company’s accumulated other comprehensive income (loss) are as follows: (Dollars in thousands) September 30, June 30, Available-for-sale debt securities—net unrealized gains (losses) $ (8,266) $ (8,601) Available-for-sale debt securities—non-credit related (845) (845) Subtotal (9,111) (9,446) Tax benefit (expense) 2,723 2,836 Net unrealized gain (loss) on investment securities in accumulated other comprehensive income (loss) $ (6,388) $ (6,610)

LOANS & ALLOWANCE FOR CREDIT _2

LOANS & ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Schedule of Composition of the Loan Portfolio	The following table sets forth the composition of the loan portfolio as of the dates indicated: (Dollars in thousands) September 30, 2023 June 30, 2023 Single Family - Mortgage & Warehouse $ 4,313,906 $ 4,173,833 Multifamily and Commercial Mortgage 2,961,981 3,082,225 Commercial Real Estate 6,168,626 6,199,818 Commercial & Industrial - Non-RE 3,208,969 2,639,650 Auto & Consumer 506,011 546,264 Other 2,438 10,236 Total gross loans and leases 17,161,931 16,652,026 Allowance for credit losses - loans (170,870) (166,680) Unaccreted premiums (discounts) and loan fees (36,020) (28,618) Total net loans and leases $ 16,955,041 $ 16,456,728
Schedule of Allowance for Credit Losses on Financing Receivables	The following table presents the components of the provision for credit losses: For the Three Months Ended September 30, (Dollars in thousands) 2023 2022 Provision for credit losses - loans $ 5,750 $ 8,750 Provision for credit losses - unfunded lending commitments 1,250 — Total provision for credit losses $ 7,000 $ 8,750 The following tables summarize activity in the allowance for credit losses - loans by portfolio segment for the periods indicated. For the Three Months Ended September 30, 2023 (Dollars in thousands) Single Family-Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Commercial & Industrial - Non-RE Auto & Consumer Other Total Balance at July 1, 2023 $ 17,503 $ 16,848 $ 72,755 $ 46,347 $ 13,212 $ 15 $ 166,680 Provision (benefit) for credit losses - loans (10) (974) (1,400) 8,245 (105) (6) 5,750 Charge-offs (80) — — — (2,281) — (2,361) Recoveries 13 — — — 788 — 801 Balance at September 30, 2023 $ 17,426 $ 15,874 $ 71,355 $ 54,592 $ 11,614 $ 9 $ 170,870 For the Three Months Ended September 30, 2022 (Dollars in thousands) Single Family-Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Commercial & Industrial - Non-RE Auto & Consumer Other Total Balance at July 1, 2022 $ 19,670 $ 14,655 $ 69,339 $ 30,808 $ 14,114 $ 31 $ 148,617 Provision (benefit) for credit losses - loans (1,642) (6) 4,437 3,557 2,405 (1) 8,750 Charge-offs (4) — — — (2,362) — (2,366) Recoveries 15 — — 18 438 — 471 Balance at September 30, 2022 $ 18,039 $ 14,649 $ 73,776 $ 34,383 $ 14,595 $ 30 $ 155,472 The following tables present a summary of the activity in the allowance for credit losses for off-balance sheet lending commitments for the periods indicated: Three Months Ended September 30, (Dollars in thousands) 2023 2022 BALANCE—beginning June 30 $ 10,473 $ 10,973 Provision for credit losses - unfunded lending commitments 1,250 — BALANCE—end September 30 $ 11,723 $ 10,973
Schedule of Real Estate Loans, Loan-to-Value Ratio	The following table presents loan-to-value (“LTV”) for the Company’s real estate loans outstanding as of September 30, 2023: Total Real Estate Loans Single Family - Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Weighted-Average LTV 48.9 % 57.3 % 53.6 % 40.7 % Median LTV 54.0 % 56.9 % 50.0 % 41.6 %
Schedule of Outstanding Principal Balance on Loans Performing and Nonaccrual	September 30, 2023 (Dollars in thousands) Single Family-Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Commercial & Industrial - Non-RE Auto & Consumer Other Total Performing $ 4,277,324 $ 2,923,154 $ 6,142,524 $ 3,205,980 $ 503,625 $ 2,398 $ 17,055,005 Nonaccrual $ 36,582 $ 38,827 $ 26,102 $ 2,989 $ 2,386 $ 40 $ 106,926 Total $ 4,313,906 $ 2,961,981 $ 6,168,626 $ 3,208,969 $ 506,011 $ 2,438 $ 17,161,931 Non accrual loans to total loans 0.62 % June 30, 2023 (Dollars in thousands) Single Family-Mortgage & Warehouse Multifamily and Commercial Mortgage Commercial Real Estate Commercial & Industrial - Non-RE Auto & Consumer Other Total Performing $ 4,143,119 $ 3,047,122 $ 6,184,966 $ 2,636,661 $ 544,807 $ 8,191 $ 16,564,866 Nonaccrual 30,714 35,103 14,852 2,989 1,457 2,045 87,160 Total $ 4,173,833 $ 3,082,225 $ 6,199,818 $ 2,639,650 $ 546,264 $ 10,236 $ 16,652,026 Non accrual loans to total loans 0.52 %
Schedule of Composition of Loan and Lease Portfolio by Credit Quality Indicators	The following tables presents the composition of loans by portfolio segment, fiscal year of origination and credit quality indicator, and the amount of gross charge-offs for the three months ended September 30, 2023 : September 30, 2023 Loans Held for Investment Origination Year Revolving Loans Total (Dollars in thousands) 2024 2023 2022 2021 2020 Prior Single Family-Mortgage & Warehouse Pass $ 209,544 $ 673,266 $ 1,306,937 $ 514,928 $ 313,863 $ 848,948 $ 295,078 $ 4,162,564 Special Mention — 19,368 18,998 6,468 11,028 36,745 — 92,607 Substandard — — 8,965 4,590 14,345 30,835 — 58,735 Doubtful — — — — — — — — Total 209,544 692,634 1,334,900 525,986 339,236 916,528 295,078 4,313,906 Gross charge-offs — — — — — 80 — 80 Multifamily and Commercial Mortgage Pass 9,328 478,469 974,390 479,725 299,551 597,311 — 2,838,774 Special Mention — 10,719 — 2,000 1,358 — — 14,077 Substandard — — 13,618 17,707 35,019 42,786 — 109,130 Doubtful — — — — — — — — Total 9,328 489,188 988,008 499,432 335,928 640,097 — 2,961,981 Gross charge-offs — — — — — — — — Commercial Real Estate Pass 501,339 1,867,923 2,113,338 563,541 20,737 62,928 840,449 5,970,255 Special Mention — — 45,130 — 7,871 15,887 — 68,888 Substandard — — 45,242 38,902 15,000 30,339 — 129,483 Doubtful — — — — — — — — Total 501,339 1,867,923 2,203,710 602,443 43,608 109,154 840,449 6,168,626 Gross charge-offs — — — — — — — — Commercial & Industrial - Non-RE Pass 248,136 416,819 287,067 28,675 9,041 5,866 2,129,452 3,125,056 Special Mention — 6,806 35,430 — 10,986 — 12,046 65,268 Substandard — — 14,624 1,032 — 2,989 — 18,645 Doubtful — — — — — — — — Total 248,136 423,625 337,121 29,707 20,027 8,855 2,141,498 3,208,969 Gross charge-offs — — — — — — — — Auto & Consumer Pass 10,130 148,607 234,996 62,579 21,381 24,704 — 502,397 Special Mention — 338 576 69 26 58 — 1,067 Substandard — 579 1,191 385 153 239 — 2,547 Doubtful — — — — — — — — Total 10,130 149,524 236,763 63,033 21,560 25,001 — 506,011 Gross charge-offs — 711 1,093 378 73 26 — 2,281 Other Pass 905 — — 1,190 — 303 — 2,398 Special Mention — — — — — — — — Substandard — — — 40 — — — 40 Doubtful — — — — — — — — Total 905 — — 1,230 — 303 — 2,438 Gross charge-offs — — — — — — — — Total Pass 979,382 3,585,084 4,916,728 1,650,638 664,573 1,540,060 3,264,979 16,601,444 Special Mention — 37,231 100,134 8,537 31,269 52,690 12,046 241,907 Substandard — 579 83,640 62,656 64,517 107,188 — 318,580 Doubtful — — — — — — — — Total $ 979,382 $ 3,622,894 $ 5,100,502 $ 1,721,831 $ 760,359 $ 1,699,938 $ 3,277,025 $ 17,161,931 As a % of total gross loans 5.71% 21.11% 29.72% 10.03% 4.43% 9.91% 19.09% 100.0% Total gross charge-offs $ — $ 711 $ 1,093 $ 378 $ 73 $ 106 $ — $ 2,361 June 30, 2023 Loans Held for Investment Origination Year Revolving Loans Total (Dollars in thousands) 2023 2022 2021 2020 2019 Prior Single Family-Mortgage & Warehouse Pass $ 730,498 $ 1,346,804 $ 522,873 $ 324,458 $ 255,547 $ 639,401 $ 243,175 $ 4,062,756 Special Mention — 7,280 7,026 8,303 12,942 18,244 6,614 60,409 Substandard — 5,188 4,686 14,384 2,024 24,386 — 50,668 Doubtful — — — — — — — — Total 730,498 1,359,272 534,585 347,145 270,513 682,031 249,789 4,173,833 Multifamily and Commercial Mortgage Pass 558,787 975,186 498,744 314,383 224,592 404,222 — 2,975,914 Special Mention — 9,691 4,636 1,360 7,705 — — 23,392 Substandard — 3,145 5,686 38,857 6,181 29,050 — 82,919 Doubtful — — — — — — — — Total 558,787 988,022 509,066 354,600 238,478 433,272 — 3,082,225 Commercial Real Estate Pass 1,867,476 2,323,095 631,500 87,059 117,928 — 960,024 5,987,082 Special Mention 29,000 43,427 — 8,457 800 15,062 96,746 Substandard — 29,200 37,951 18,500 15,487 14,852 — 115,990 Doubtful — — — — — — — — Total 1,896,476 2,395,722 669,451 114,016 134,215 29,914 960,024 6,199,818 Commercial & Industrial - Non-RE Pass 488,120 358,214 29,777 14,794 2,098 — 1,707,619 2,600,622 Special Mention — 8,221 — 11,413 — — 600 20,234 Substandard — 17,762 1,032 — — — — 18,794 Doubtful — — — — — — — — Total 488,120 384,197 30,809 26,207 2,098 — 1,708,219 2,639,650 Auto & Consumer Pass 161,831 256,154 70,223 24,906 19,897 9,929 — 542,940 Special Mention 423 632 453 60 14 6 — 1,588 Substandard 350 785 233 133 162 73 — 1,736 Doubtful — — — — — — — — Total 162,604 257,571 70,909 25,099 20,073 10,008 — 546,264 Other Pass 5,721 — 1,306 — — 1,164 — 8,191 Special Mention — — — — — — — — Substandard — 2,000 45 — — — — 2,045 Doubtful — — — — — — — — Total 5,721 2,000 1,351 — — 1,164 — 10,236 Total Pass 3,812,433 5,259,453 1,754,423 765,600 620,062 1,054,716 2,910,818 16,177,505 Special Mention 29,423 69,251 12,115 29,593 21,461 33,312 7,214 202,369 Substandard 350 58,080 49,633 71,874 23,854 68,361 — 272,152 Doubtful — — — — — — — — Total $ 3,842,206 $ 5,386,784 $ 1,816,171 $ 867,067 $ 665,377 $ 1,156,389 $ 2,918,032 $ 16,652,026 As a % of total gross loans 23.07% 32.35% 10.91% 5.21% 4.00% 6.94% 17.52% 100.0%
Schedule of Past Due Loan and Leases	The following tables provide the aging of loans by portfolio segment as of the dates indicated: September 30, 2023 (Dollars in thousands) Current 30-59 Days 60-89 Days 90+ Days Total Single Family-Mortgage & Warehouse $ 4,227,936 $ 26,362 $ 11,118 $ 48,490 $ 4,313,906 Multifamily and Commercial Mortgage 2,921,752 6,307 — 33,922 2,961,981 Commercial Real Estate 6,126,237 800 — 41,589 6,168,626 Commercial & Industrial - Non-RE 3,208,969 — — — 3,208,969 Auto & Consumer 498,370 4,815 1,289 1,537 506,011 Other 2,227 211 — — 2,438 Total $ 16,985,491 $ 38,495 $ 12,407 $ 125,538 $ 17,161,931 As a % of total gross loans 98.98 % 0.22 % 0.07 % 0.73 % 100.00 % June 30, 2023 (Dollars in thousands) Current 30-59 Days 60-89 Days 90+ Days Total Single Family-Mortgage & Warehouse $ 4,102,150 $ 20,832 $ 7,971 $ 42,880 $ 4,173,833 Multifamily and Commercial Mortgage 3,048,217 2,705 1,124 30,179 3,082,225 Commercial Real Estate 6,173,716 11,250 — 14,852 6,199,818 Commercial & Industrial - Non-RE 2,639,650 — — — 2,639,650 Auto & Consumer 537,181 6,529 1,707 847 546,264 Other 8,024 68 1 2,143 10,236 Total $ 16,508,938 $ 41,384 $ 10,803 $ 90,901 $ 16,652,026 As a % of total gross loans 99.14 % 0.25 % 0.06 % 0.55 % 100.00 %

STOCKHOLDERS_ EQUITY AND STOC_2

STOCKHOLDERS’ EQUITY AND STOCK-BASED COMPENSATION (Tables)	3 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
Schedule of Unrecognized Compensation Expense Related to Non-vested Awards To be Recognized in the Future	At September 30, 2023, 915,865 shares of common stock remained available for issuance pursuant to grant awards under the 2014 Plan and unrecognized compensation expense related to non-vested awards aggregated to $53.1 million and is expected to be recognized in future periods as follows: (Dollars in thousands) Stock Award For the fiscal year remainder: Remainder of fiscal year 2024 $ 21,320 2025 19,416 2026 10,256 2027 1,879 2028 237 Total $ 53,108
Schedule of Status and Changes in Restricted Stock Grants	The following table presents the status and changes in RSUs for the periods indicated: RSUs Weighted-Average Non-vested balance at June 30, 2023 1,407,882 $ 41.53 Granted 631,577 42.60 Vested (360,817) 37.62 Forfeited (12,781) 39.57 Non-vested balance at September 30, 2023 1,665,861 $ 42.80

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	3 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Schedule of Calculation of Basic and Diluted EPS	The following table presents the calculation of basic and diluted earnings per common share (“EPS”): Three Months Ended September 30, (Dollars in thousands, except per share data) 2023 2022 Earnings Per Common Share Net income $ 82,645 $ 58,407 Average common shares issued and outstanding 58,949,038 59,854,584 Earnings per common share $ 1.40 $ 0.98 Diluted Earnings Per Common Share Net income $ 82,645 $ 58,407 Average common shares issued and outstanding 58,949,038 59,854,584 Dilutive effect of average unvested RSUs 859,284 631,810 Average dilutive common shares outstanding 59,808,322 60,486,394 Diluted earnings per common share $ 1.38 $ 0.97

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Sep. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule of Maturities of Lease Liabilities	The following table represents maturities of lease liabilities as of September 30, 2023: (Dollars in thousands) As of September 30, Within one year $ 11,635 After one year and within two years 11,833 After two years and within three years 11,409 After three years and within four years 11,504 After four years within five years 9,869 After five years 17,841 Total lease payments 74,091 Less: amount representing interest (6,847) Total lease liability $ 67,244

SEGMENT REPORTING AND REVENUE_2

SEGMENT REPORTING AND REVENUE INFORMATION (Tables)	3 Months Ended
	Sep. 30, 2023
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following tables present the operating results, goodwill, and assets of the segments: For the Three Months Ended September 30, 2023 (Dollars in thousands) Banking Securities Business Corporate/Eliminations Axos Consolidated Net interest income $ 209,219 $ 5,542 $ (3,606) $ 211,155 Provision for credit losses 7,000 — — 7,000 Non-interest income 12,557 34,555 (12,605) 34,507 Non-interest expense 100,786 27,523 (7,803) 120,506 Income before taxes $ 113,990 $ 12,574 $ (8,408) $ 118,156 For the Three Months Ended September 30, 2022 (Dollars in thousands) Banking Securities Business Corporate/Eliminations Axos Consolidated Net interest income $ 179,730 $ 4,275 $ (3,530) $ 180,475 Provision for credit losses 8,750 — — 8,750 Non-interest income 10,712 29,165 (12,669) 27,208 Non-interest expense 100,796 24,515 (9,224) 116,087 Income before taxes $ 80,896 $ 8,925 $ (6,975) $ 82,846 As of September 30, 2023 (Dollars in thousands) Banking Securities Business Corporate/Eliminations Axos Consolidated Goodwill $ 35,721 $ 61,952 $ — $ 97,673 Total Assets $ 19,929,316 $ 858,141 $ 37,749 $ 20,825,206 As of June 30, 2023 (Dollars in thousands) Banking Securities Business Corporate/Eliminations Axos Consolidated Goodwill $ 35,721 $ 61,952 $ — $ 97,673 Total Assets $ 19,396,167 $ 899,496 $ 52,806 $ 20,348,469
Schedule of Other Nonoperating Income (Expense)	The following presents non-interest income, segregated by revenue streams in-scope and out-of-scope of Accounting Standards Codification (“ASC”) 606 for the periods indicated. For further information of the Company’s recognition of revenue and ASC 606 see Note 1 — “Organizations and Summary of Significant Accounting Policies” in the 2023 Form 10-K. For the Three Months Ended September 30, (Dollars in thousands) 2023 2022 Advisory fee income $ 8,219 $ 6,959 Broker-dealer clearing fees 5,535 5,233 Deposit service fees 680 1,106 Card fees 682 789 Bankruptcy trustee and fiduciary service fees 1,394 773 Non-interest income (in-scope ASC 606) 16,510 14,860 Non-interest income (out-of-scope ASC 606) 17,997 12,348 Total non-interest income $ 34,507 $ 27,208

ACQUISITIONS (Details)

ACQUISITIONS (Details) $ in Millions	Aug. 23, 2023 USD ($)
Marine Floor Financing Loans
Business Acquisition [Line Items]
Consideration transferred	$ 52
Intangible and Other Assets
Business Acquisition [Line Items]
Consideration transferred	$ 2

FAIR VALUE - ASSETS AND LIABILI

FAIR VALUE - ASSETS AND LIABILITIES MEASURED ON RECURRING BASIS (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
ASSETS:
Trading	$ 640	$ 758
Fair Value	236,726	232,350
Loans held for sale	8,014	23,203
Agency MBS
ASSETS:
Trading	0	0
Fair Value	27,624	23,947
Non-Agency MBS
ASSETS:
Trading	0	0
Fair Value	206,076	205,005
Municipal
ASSETS:
Trading	640	758
Fair Value	3,026	3,398
Significant Other Observable Inputs (Level 2)
ASSETS:
Trading	640	758
Fair Value	30,650	27,345
Loans held for sale	8,014	23,203
Servicing rights	0	0
Other assets—Derivative instruments	1,295	919
LIABILITIES:
Accrued expense and other liabilities—Derivative instruments	934	691
Significant Unobservable Inputs (Level 3)
ASSETS:
Trading	0	0
Fair Value	206,076	205,005
Loans held for sale	0	0
Servicing rights	29,338	25,443
Other assets—Derivative instruments	0	0
LIABILITIES:
Accrued expense and other liabilities—Derivative instruments	0	0
Recurring
ASSETS:
Trading	640	758
Fair Value	236,726	232,350
Loans held for sale	8,014	23,203
Servicing rights	29,338	25,443
Other assets—Derivative instruments	1,295	919
LIABILITIES:
Accrued expense and other liabilities—Derivative instruments	934	691
Recurring | Agency MBS
ASSETS:
Fair Value	27,624	23,947
Recurring | Non-Agency MBS
ASSETS:
Fair Value	206,076	205,005
Recurring | Municipal
ASSETS:
Fair Value	3,026	3,398
Recurring | Significant Other Observable Inputs (Level 2)
ASSETS:
Trading	640	758
Fair Value	30,650	27,345
Loans held for sale	8,014	23,203
Servicing rights	0	0
Other assets—Derivative instruments	1,295	919
LIABILITIES:
Accrued expense and other liabilities—Derivative instruments	934	691
Recurring | Significant Other Observable Inputs (Level 2) | Agency MBS
ASSETS:
Fair Value	27,624	23,947
Recurring | Significant Other Observable Inputs (Level 2) | Non-Agency MBS
ASSETS:
Fair Value	0	0
Recurring | Significant Other Observable Inputs (Level 2) | Municipal
ASSETS:
Fair Value	3,026	3,398
Recurring | Significant Unobservable Inputs (Level 3)
ASSETS:
Trading	0	0
Fair Value	206,076	205,005
Loans held for sale	0	0
Servicing rights	29,338	25,443
Other assets—Derivative instruments	0	0
LIABILITIES:
Accrued expense and other liabilities—Derivative instruments	0	0
Recurring | Significant Unobservable Inputs (Level 3) | Agency MBS
ASSETS:
Fair Value	0	0
Recurring | Significant Unobservable Inputs (Level 3) | Non-Agency MBS
ASSETS:
Fair Value	206,076	205,005
Recurring | Significant Unobservable Inputs (Level 3) | Municipal
ASSETS:
Fair Value	$ 0	$ 0

FAIR VALUE - LEVEL 3 ASSETS MEA

FAIR VALUE - LEVEL 3 ASSETS MEASURED ON RECURRING BASIS (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Included in earnings—Mortgage banking income [Extensible Enumeration]	Mortgage banking and servicing rights income	Mortgage banking and servicing rights income
Included in other comprehensive income [Extensible Enumeration]	Other comprehensive income (loss)	Other comprehensive income (loss)
Recurring | Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance	$ 230,448	$ 212,491
Included in earnings—Mortgage banking and servicing rights income	1,858	1,024
Included in other comprehensive income	1,316	(2,473)
Purchases, retentions, issues, sales and settlements:
Purchases/Retentions	2,037	207
Settlements	(245)	(329)
Closing balance	235,414	210,920
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	1,858	1,024
Principal payments and loans that were paid down or paid off	200	400
Market-driven changes in interest rates	2,100	1,400
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance	205,005	186,814
Included in earnings—Mortgage banking and servicing rights income	0	0
Included in other comprehensive income	1,316	(2,473)
Purchases, retentions, issues, sales and settlements:
Purchases/Retentions	0	0
Settlements	(245)	(329)
Closing balance	206,076	184,012
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	0	0
Recurring | Level 3 | Servicing Rights
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance	25,443	25,213
Included in earnings—Mortgage banking and servicing rights income	1,858	953
Included in other comprehensive income	0	0
Purchases, retentions, issues, sales and settlements:
Purchases/Retentions	2,037	207
Settlements	0	0
Closing balance	29,338	26,373
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	$ 1,858	953
Recurring | Level 3 | Derivative Instruments, net
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance		464
Included in earnings—Mortgage banking and servicing rights income		71
Included in other comprehensive income		0
Purchases, retentions, issues, sales and settlements:
Purchases/Retentions		0
Settlements		0
Closing balance		535
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period		$ 71

FAIR VALUE - QUANTITATIVE INFOR

FAIR VALUE - QUANTITATIVE INFORMATION ABOUT LEVEL 3 FAIR VALUE MEASURMENTS (RECURRING) (Details) $ in Thousands	Sep. 30, 2023 USD ($) year	Jun. 30, 2023 USD ($) year
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities – Non-agency MBS	$ 236,726	$ 232,350
Securities – Available-for-Sale: Non-Agency RMBS
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities – Non-agency MBS	206,076	205,005
Level 3
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities – Non-agency MBS	206,076	205,005
Servicing rights	29,338	25,443
Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities – Non-agency MBS	236,726	232,350
Servicing rights	29,338	25,443
Recurring | Securities – Available-for-Sale: Non-Agency RMBS
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities – Non-agency MBS	206,076	205,005
Recurring | Level 3
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities – Non-agency MBS	206,076	205,005
Servicing rights	29,338	25,443
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities – Non-agency MBS	$ 206,076	$ 205,005
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Constant Prepayment Rate | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0	0
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Constant Prepayment Rate | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.581	0.597
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Constant Prepayment Rate | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.349	0.320
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Constant Default Rate | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0	0
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Constant Default Rate | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.076	0.075
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Constant Default Rate | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.024	0.024
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Loss Severity | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0	0
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Loss Severity | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.687	0.687
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Projected Loss Severity | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.285	0.285
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Discount Rate | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.026	0.026
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Discount Rate | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.065	0.075
Recurring | Level 3 | Securities – Available-for-Sale: Non-Agency RMBS | Discount Rate | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale, measurement input	0.026	0.027
Recurring | Level 3 | Servicing Rights
Fair Value, Option, Quantitative Disclosures [Line Items]
Servicing rights	$ 29,338	$ 25,443
Recurring | Level 3 | Servicing Rights | Projected Constant Prepayment Rate | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input	0.048	0.061
Recurring | Level 3 | Servicing Rights | Projected Constant Prepayment Rate | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input	0.399	0.401
Recurring | Level 3 | Servicing Rights | Projected Constant Prepayment Rate | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input	0.130	0.126
Recurring | Level 3 | Servicing Rights | Discount Rate | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input	0.095	0.095
Recurring | Level 3 | Servicing Rights | Discount Rate | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input	0.115	0.115
Recurring | Level 3 | Servicing Rights | Discount Rate | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input	0.098	0.096
Recurring | Level 3 | Servicing Rights | Life (in years) | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input | year	1.7	1.8
Recurring | Level 3 | Servicing Rights | Life (in years) | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input | year	15.8	10.9
Recurring | Level 3 | Servicing Rights | Life (in years) | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage servicing right, measurement input | year	7.4	7.7

FAIR VALUE - LOANS HELD-FOR-SAL

FAIR VALUE - LOANS HELD-FOR-SALE (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Jun. 30, 2023
Fair Value Disclosures [Abstract]
Aggregate fair value	$ 8,014		$ 23,203
Contractual balance	7,878		22,844
Unrealized gain	136		$ 359
Interest income	189	$ 50
Change in fair value	(129)	91
Total	$ 60	$ 141

FAIR VALUE - ASSETS MEASURED FO

FAIR VALUE - ASSETS MEASURED FOR IMPAIRMENT ON NONRECURRING BASIS (Details) - Nonrecurring - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 8,779	$ 8,099
Single family real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	5,574	5,574
Multifamily real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	1,392	1,392
Autos
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	1,813	1,133
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Single family real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Multifamily real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Autos
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Significant Other Observable Inputs (Level 2) | Single family real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Significant Other Observable Inputs (Level 2) | Multifamily real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Significant Other Observable Inputs (Level 2) | Autos
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	8,779	8,099
Significant Unobservable Inputs (Level 3) | Single family real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	5,574	5,574
Significant Unobservable Inputs (Level 3) | Multifamily real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	1,392	1,392
Significant Unobservable Inputs (Level 3) | Autos
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 1,813	$ 1,133

FAIR VALUE - NARRATIVE (Details

FAIR VALUE - NARRATIVE (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2023	Jun. 30, 2023
Nonrecurring
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 8,779	$ 8,099
Other Real Estate Owned
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned, valuation allowance	$ 400	$ 1,700

FAIR VALUE - QUANTITATIVE INF_2

FAIR VALUE - QUANTITATIVE INFORMATION ABOUT LEVEL 3 FAIR VALUE MEASURMENTS (NONRECURRING) (Details) - Nonrecurring $ in Thousands	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 8,779	$ 8,099
Single family real estate
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	5,574	5,574
Multifamily real estate
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	1,392	1,392
Level 3
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	8,779	8,099
Level 3 | Single family real estate
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 5,574	$ 5,574
Level 3 | Single family real estate | Differences between the comparable sales | Minimum
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned, measurement input	0.621	0.621
Level 3 | Single family real estate | Differences between the comparable sales | Maximum
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned, measurement input	0.936	0.936
Level 3 | Single family real estate | Differences between the comparable sales | Weighted Average
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned, measurement input	0.621	0.621
Level 3 | Multifamily real estate
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 1,392	$ 1,392
Level 3 | Multifamily real estate | Differences between the comparable sales | Minimum
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned, measurement input	0.498	0.498
Level 3 | Multifamily real estate | Differences between the comparable sales | Maximum
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned, measurement input	0.545	0.545
Level 3 | Multifamily real estate | Differences between the comparable sales | Weighted Average
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Other real estate owned, measurement input	0.498	0.498

FAIR VALUE - ESTIMATED FAIR VAL

FAIR VALUE - ESTIMATED FAIR VALUES OF FINANCIAL INSTRUMENTS AT PERIOD-END (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
Financial assets:
Securities—trading	$ 640	$ 758
Securities—available-for-sale	236,726	232,350
Stock of regulatory agencies	21,533	21,510
Loans held for sale, at fair value	8,014	23,203
Loans held for sale, lower of cost or fair value	0	776
Securities borrowed	96,424	134,339
Financial liabilities:
Securities loaned	116,446	159,832
Carrying Amount
Financial assets:
Cash and cash equivalents	2,413,769	2,382,086
Securities—trading	640	758
Securities—available-for-sale	236,726	232,350
Stock of regulatory agencies	21,533	21,510
Loans held for sale, at fair value	8,014	23,203
Loans held for sale, lower of cost or fair value		776
Loans held for investment—net	16,955,041	16,456,728
Securities borrowed	96,424	134,339
Customer, broker-dealer and clearing receivables	285,423	374,074
Servicing rights	29,338	25,443
Other assets—Derivative instruments	1,295	919
Financial liabilities:
Total deposits	17,565,741	17,123,108
Advances from the Federal Home Loan Bank	90,000	90,000
Borrowings, subordinated notes and debentures	447,733	361,779
Securities loaned	116,446	159,832
Customer, broker-dealer and clearing payables	341,915	445,477
Accrued expense and other liabilities—Derivative instruments	934	691
Total Fair Value
Financial assets:
Cash and cash equivalents	2,413,769	2,382,086
Securities—trading	640	758
Securities—available-for-sale	236,726	232,350
Stock of regulatory agencies	21,533	21,510
Loans held for sale, at fair value	8,014	23,203
Loans held for sale, lower of cost or fair value		780
Loans held for investment—net	16,935,835	16,417,183
Securities borrowed	102,084	143,461
Customer, broker-dealer and clearing receivables	294,499	386,082
Servicing rights	29,338	25,443
Other assets—Derivative instruments	1,295	919
Financial liabilities:
Total deposits	17,481,019	17,064,084
Advances from the Federal Home Loan Bank	82,234	83,192
Borrowings, subordinated notes and debentures	414,462	327,564
Securities loaned	116,097	159,416
Customer, broker-dealer and clearing payables	341,915	445,447
Accrued expense and other liabilities—Derivative instruments	934	691
Level 1
Financial assets:
Cash and cash equivalents	2,413,769	2,382,086
Securities—trading	0	0
Securities—available-for-sale	0	0
Stock of regulatory agencies	0	0
Loans held for sale, at fair value	0	0
Loans held for sale, lower of cost or fair value		0
Loans held for investment—net	0	0
Securities borrowed	0	0
Customer, broker-dealer and clearing receivables	0	0
Servicing rights	0	0
Other assets—Derivative instruments	0	0
Financial liabilities:
Total deposits	0	0
Advances from the Federal Home Loan Bank	0	0
Borrowings, subordinated notes and debentures	0	0
Securities loaned	0	0
Customer, broker-dealer and clearing payables	0	0
Accrued expense and other liabilities—Derivative instruments	0	0
Level 2
Financial assets:
Cash and cash equivalents	0	0
Securities—trading	640	758
Securities—available-for-sale	30,650	27,345
Stock of regulatory agencies	21,533	21,510
Loans held for sale, at fair value	8,014	23,203
Loans held for sale, lower of cost or fair value		0
Loans held for investment—net	0	0
Securities borrowed	0	0
Customer, broker-dealer and clearing receivables	0	0
Servicing rights	0	0
Other assets—Derivative instruments	1,295	919
Financial liabilities:
Total deposits	17,481,019	17,064,084
Advances from the Federal Home Loan Bank	82,234	83,192
Borrowings, subordinated notes and debentures	414,462	327,564
Securities loaned	0	0
Customer, broker-dealer and clearing payables	0	0
Accrued expense and other liabilities—Derivative instruments	934	691
Level 3
Financial assets:
Cash and cash equivalents	0	0
Securities—trading	0	0
Securities—available-for-sale	206,076	205,005
Stock of regulatory agencies	0	0
Loans held for sale, at fair value	0	0
Loans held for sale, lower of cost or fair value		780
Loans held for investment—net	16,935,835	16,417,183
Securities borrowed	102,084	143,461
Customer, broker-dealer and clearing receivables	294,499	386,082
Servicing rights	29,338	25,443
Other assets—Derivative instruments	0	0
Financial liabilities:
Total deposits	0	0
Advances from the Federal Home Loan Bank	0	0
Borrowings, subordinated notes and debentures	0	0
Securities loaned	116,097	159,416
Customer, broker-dealer and clearing payables	341,915	445,447
Accrued expense and other liabilities—Derivative instruments	$ 0	$ 0

SECURITIES - AMORTIZED COST, CA

SECURITIES - AMORTIZED COST, CARRYING AMOUNT AND FAIR VALUE DISCLOSURES (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
Debt Securities, Available-for-sale [Line Items]
Trading - Fair Value	$ 640	$ 758
Amortized Cost	244,993	240,951
Unrealized Gains	724	711
Unrealized Losses	(8,991)	(9,312)
Fair Value	236,726	232,350
U.S. agencies
Debt Securities, Available-for-sale [Line Items]
Trading - Fair Value	0	0
Amortized Cost	31,277	27,024
Unrealized Gains	1	0
Unrealized Losses	(3,654)	(3,077)
Fair Value	27,624	23,947
Non-agency
Debt Securities, Available-for-sale [Line Items]
Trading - Fair Value	0	0
Amortized Cost	210,027	210,271
Unrealized Gains	723	711
Unrealized Losses	(4,674)	(5,977)
Fair Value	206,076	205,005
Total mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Trading - Fair Value	0	0
Amortized Cost	241,304	237,295
Unrealized Gains	724	711
Unrealized Losses	(8,328)	(9,054)
Fair Value	233,700	228,952
Municipal
Debt Securities, Available-for-sale [Line Items]
Trading - Fair Value	640	758
Amortized Cost	3,689	3,656
Unrealized Gains	0	0
Unrealized Losses	(663)	(258)
Fair Value	3,026	3,398
Total Non-MBS
Debt Securities, Available-for-sale [Line Items]
Trading - Fair Value	640	758
Amortized Cost	3,689	3,656
Unrealized Gains	0	0
Unrealized Losses	(663)	(258)
Fair Value	$ 3,026	$ 3,398

SECURITIES - NARRATIVE (Details

SECURITIES - NARRATIVE (Details) - USD ($)	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Jun. 30, 2023
Debt Securities, Available-for-sale [Line Items]
Available-for-sale securities, credit losses	$ 0	$ 0
Proceeds from sale and repayment of available-for-sale investment securities	0	$ 0
Asset Pledged as Collateral
Debt Securities, Available-for-sale [Line Items]
Available-for-sale securities pledged as collateral	$ 900,000		$ 900,000

SECURITIES - SCHEDULE OF UNREAL

SECURITIES - SCHEDULE OF UNREALIZED LOSS ON INVESTMENTS (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
Fair Value
Less Than 12 Months	$ 79,888	$ 111,164
More Than 12 Months	155,034	119,425
Total	234,922	230,589
Gross Unrealized Losses
Less Than 12 Months	(227)	(1,824)
More Than 12 Months	(8,764)	(7,488)
Total	(8,991)	(9,312)
U.S. agencies
Fair Value
Less Than 12 Months	7,321	3,182
More Than 12 Months	20,134	20,642
Total	27,455	23,824
Gross Unrealized Losses
Less Than 12 Months	(174)	(16)
More Than 12 Months	(3,480)	(3,061)
Total	(3,654)	(3,077)
Non-agency
Fair Value
Less Than 12 Months	72,567	107,982
More Than 12 Months	131,874	95,385
Total	204,441	203,367
Gross Unrealized Losses
Less Than 12 Months	(53)	(1,808)
More Than 12 Months	(4,621)	(4,169)
Total	(4,674)	(5,977)
Total MBS
Fair Value
Less Than 12 Months	79,888	111,164
More Than 12 Months	152,008	116,027
Total	231,896	227,191
Gross Unrealized Losses
Less Than 12 Months	(227)	(1,824)
More Than 12 Months	(8,101)	(7,230)
Total	(8,328)	(9,054)
Municipal
Fair Value
Less Than 12 Months	0	0
More Than 12 Months	3,026	3,398
Total	3,026	3,398
Gross Unrealized Losses
Less Than 12 Months	0	0
More Than 12 Months	(663)	(258)
Total	(663)	(258)
Total Non-MBS
Fair Value
Less Than 12 Months	0	0
More Than 12 Months	3,026	3,398
Total	3,026	3,398
Gross Unrealized Losses
Less Than 12 Months	0	0
More Than 12 Months	(663)	(258)
Total	$ (663)	$ (258)

SECURITIES - UNREALIZED GAIN (L

SECURITIES - UNREALIZED GAIN (LOSS) ON INVESTMENTS (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Available-for-sale debt securities—net unrealized gains (losses)	$ (8,266)	$ (8,601)
Available-for-sale debt securities—non-credit related	(845)	(845)
Subtotal	(9,111)	(9,446)
Tax benefit (expense)	2,723	2,836
Net unrealized gain (loss) on investment securities in accumulated other comprehensive income (loss)	$ (6,388)	$ (6,610)

SECURITIES - INVESTMENTS CLASSI

SECURITIES - INVESTMENTS CLASSIFIED BY CONTRACTUAL MATURITY DATE (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
Available-for-Sale, Fair Value
Amortized Cost	$ 244,993	$ 240,951
Available-for-Sale Amortized Cost
Total Amount	244,993
Due Within One Year	134,185
Due after One but within Five Years	94,406
Due after Five but within Ten Years	9,100
Due After Ten Years	7,302
Fair Value
Available-for-Sale, Fair Value
Amortized Cost	236,726
Due Within One Year	130,977
Due after One but within Five Years	91,040
Due after Five but within Ten Years	8,203
Due After Ten Years	6,506
U.S. agencies
Available-for-Sale, Fair Value
Amortized Cost	31,277	27,024
Due Within One Year	6,444
Due after One but within Five Years	14,821
Due after Five but within Ten Years	7,460
Due After Ten Years	2,552
Non-agency
Available-for-Sale, Fair Value
Amortized Cost	210,027	210,271
Due Within One Year	127,741
Due after One but within Five Years	79,585
Due after Five but within Ten Years	1,640
Due After Ten Years	1,061
Total mortgage-backed securities
Available-for-Sale, Fair Value
Amortized Cost	241,304	237,295
Due Within One Year	134,185
Due after One but within Five Years	94,406
Due after Five but within Ten Years	9,100
Due After Ten Years	3,613
Municipal
Available-for-Sale, Fair Value
Amortized Cost	3,689	3,656
Due Within One Year	0
Due after One but within Five Years	0
Due after Five but within Ten Years	0
Due After Ten Years	3,689
Total Non-MBS
Available-for-Sale, Fair Value
Amortized Cost	3,689	$ 3,656
Due Within One Year	0
Due after One but within Five Years	0
Due after Five but within Ten Years	0
Due After Ten Years	$ 3,689

LOANS & ALLOWANCE FOR CREDIT _3

LOANS & ALLOWANCE FOR CREDIT LOSSES - NARRATIVE (Details)	3 Months Ended
	Sep. 30, 2023 USD ($) segment	Sep. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) loan
Financing Receivable, Impaired [Line Items]
Number of loan portfolio segments | segment	6
Accrued interest receivable on loans held for investments	$ 90,800,000		$ 77,900,000
Advances, collateral pledged	5,172,600,000		5,128,400,000
FRBSF and FRB, loans pledged	3,642,600,000		3,689,500,000
Nonaccrual loans	0		0
Interest income recognized on nonaccrual loans	0	$ 0
Loans past due ninety days or more and still accruing	29,800,000		14,100,000
Mortgage loans in process of foreclosure, amount	$ 18,000,000		$ 17,700,000
Nonaccrual
Financing Receivable, Impaired [Line Items]
Ratio of nonaccrual loans and leases considered TDRs			1.77%
Period over which borrowers can make timely payments after TDR considered non-performing (in months)	6 months
Performing
Financing Receivable, Impaired [Line Items]
Number or TDRs classified as performing | loan			0

LOANS & ALLOWANCE FOR CREDIT _4

LOANS & ALLOWANCE FOR CREDIT LOSSES - LOAN PORTFOLIO COMPOSITION (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Sep. 30, 2022	Jun. 30, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 17,161,931	$ 16,652,026
Allowance for credit losses - loans	(170,870)	(166,680)	$ (155,472)	$ (148,617)
Unaccreted premiums (discounts) and loan fees	(36,020)	(28,618)
Total net loans and leases	16,955,041	16,456,728
Single Family - Mortgage & Warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	4,313,906	4,173,833
Allowance for credit losses - loans	(17,426)	(17,503)	(18,039)	(19,670)
Multifamily and Commercial Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,961,981	3,082,225
Allowance for credit losses - loans	(15,874)	(16,848)	(14,649)	(14,655)
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	6,168,626	6,199,818
Allowance for credit losses - loans	(71,355)	(72,755)	(73,776)	(69,339)
Commercial & Industrial - Non-RE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	3,208,969	2,639,650
Allowance for credit losses - loans	(54,592)	(46,347)	(34,383)	(30,808)
Auto & Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	506,011	546,264
Allowance for credit losses - loans	(11,614)	(13,212)	(14,595)	(14,114)
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,438	10,236
Allowance for credit losses - loans	$ (9)	$ (15)	$ (30)	$ (31)

LOANS & ALLOWANCE FOR CREDIT _5

LOANS & ALLOWANCE FOR CREDIT LOSSES - COMPONENTS OF THE PROVISION FOR CREDIT LOSSES (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total provision for credit losses	$ 7,000	$ 8,750
Provision for credit losses - loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total provision for credit losses	5,750	8,750
Provision for credit losses - unfunded lending commitments
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total provision for credit losses	$ 1,250	$ 0

LOANS & ALLOWANCE FOR CREDIT _6

LOANS & ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE FOR LOAN LOSS BY PORTFOLIO CLASS (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	$ 166,680	$ 148,617
Provision (benefit) for credit losses - loans	7,000	8,750
Charge-offs	(2,361)	(2,366)
Recoveries	801	471
Balance, end of period	170,870	155,472
Provision (benefit) for credit losses - loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision (benefit) for credit losses - loans	5,750	8,750
Single Family - Mortgage & Warehouse
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	17,503	19,670
Provision (benefit) for credit losses - loans		(1,642)
Charge-offs	(80)	(4)
Recoveries	13	15
Balance, end of period	17,426	18,039
Single Family - Mortgage & Warehouse | Provision (benefit) for credit losses - loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision (benefit) for credit losses - loans	(10)
Multifamily and Commercial Mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	16,848	14,655
Provision (benefit) for credit losses - loans		(6)
Charge-offs	0	0
Recoveries	0	0
Balance, end of period	15,874	14,649
Multifamily and Commercial Mortgage | Provision (benefit) for credit losses - loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision (benefit) for credit losses - loans	(974)
Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	72,755	69,339
Provision (benefit) for credit losses - loans		4,437
Charge-offs	0	0
Recoveries	0	0
Balance, end of period	71,355	73,776
Commercial Real Estate | Provision (benefit) for credit losses - loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision (benefit) for credit losses - loans	(1,400)
Commercial & Industrial - Non-RE
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	46,347	30,808
Provision (benefit) for credit losses - loans		3,557
Charge-offs	0	0
Recoveries	0	18
Balance, end of period	54,592	34,383
Commercial & Industrial - Non-RE | Provision (benefit) for credit losses - loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision (benefit) for credit losses - loans	8,245
Auto & Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	13,212	14,114
Provision (benefit) for credit losses - loans		2,405
Charge-offs	(2,281)	(2,362)
Recoveries	788	438
Balance, end of period	11,614	14,595
Auto & Consumer | Provision (benefit) for credit losses - loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision (benefit) for credit losses - loans	(105)
Other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	15	31
Provision (benefit) for credit losses - loans		(1)
Charge-offs	0	0
Recoveries	0	0
Balance, end of period	9	$ 30
Other | Provision (benefit) for credit losses - loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision (benefit) for credit losses - loans	$ (6)

LOANS & ALLOWANCE FOR CREDIT _7

LOANS & ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE FOR LOAN LOSS AND RESERVE FOR UNFUNDED LOAN COMMITMENTS (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Off-Balance-Sheet, Credit Loss, Liability [Roll Forward]
Balance, beginning of period	$ 10,473	$ 10,973
Provision for credit losses - unfunded lending commitments	1,250	0
Balance, end of period	$ 11,723	$ 10,973

LOANS & ALLOWANCE FOR CREDIT _8

LOANS & ALLOWANCE FOR CREDIT LOSSES - REAL ESTATE LOANS, LTV RATIO (Details)	3 Months Ended
	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted-Average LTV	48.90%
Median LTV	54%
Effective weighted-average LTV	48.70%
Single Family - Mortgage & Warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted-Average LTV	57.30%
Median LTV	56.90%
Multifamily and Commercial Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted-Average LTV	53.60%
Median LTV	50%
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted-Average LTV	40.70%
Median LTV	41.60%

LOANS & ALLOWANCE FOR CREDIT _9

LOANS & ALLOWANCE FOR CREDIT LOSSES - UNPAID PRINCIPAL BALANCE FOR PERFORMING AND NONACCRUAL (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Total	$ 17,161,931	$ 16,652,026
Non accrual loans to total loans	0.62%	0.52%
Single Family - Mortgage & Warehouse
Financing Receivable, Credit Quality Indicator [Line Items]
Total	$ 4,313,906	$ 4,173,833
Multifamily and Commercial Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,961,981	3,082,225
Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
Total	6,168,626	6,199,818
Commercial & Industrial - Non-RE
Financing Receivable, Credit Quality Indicator [Line Items]
Total	3,208,969	2,639,650
Auto & Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	506,011	546,264
Other
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,438	10,236
Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Total	17,055,005	16,564,866
Performing | Single Family - Mortgage & Warehouse
Financing Receivable, Credit Quality Indicator [Line Items]
Total	4,277,324	4,143,119
Performing | Multifamily and Commercial Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,923,154	3,047,122
Performing | Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
Total	6,142,524	6,184,966
Performing | Commercial & Industrial - Non-RE
Financing Receivable, Credit Quality Indicator [Line Items]
Total	3,205,980	2,636,661
Performing | Auto & Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	503,625	544,807
Performing | Other
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,398	8,191
Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Total	106,926	87,160
Nonaccrual | Single Family - Mortgage & Warehouse
Financing Receivable, Credit Quality Indicator [Line Items]
Total	36,582	30,714
Nonaccrual | Multifamily and Commercial Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Total	38,827	35,103
Nonaccrual | Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
Total	26,102	14,852
Nonaccrual | Commercial & Industrial - Non-RE
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,989	2,989
Nonaccrual | Auto & Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,386	1,457
Nonaccrual | Other
Financing Receivable, Credit Quality Indicator [Line Items]
Total	$ 40	$ 2,045

LOANS & ALLOWANCE FOR CREDIT_10

LOANS & ALLOWANCE FOR CREDIT LOSSES - LOANS BY AMORTIZED COST BASIS BY YEAR OF ORIGINATION AND CREDIT QUALITY INDICATOR (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Jun. 30, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
2024	$ 979,382	$ 3,842,206
2023	3,622,894	5,386,784
2022	5,100,502	1,816,171
2021	1,721,831	867,067
2020	760,359	665,377
Prior	1,699,938	1,156,389
Revolving Loans	3,277,025	2,918,032
Total	17,161,931	$ 16,652,026
Gross charge-offs
2024	0
2023	711
2022	1,093
2021	378
2020	73
Prior	106
Revolving Loans	0
Total	$ 2,361
As a % of total gross loans
2024	5.71%	23.07%
2023	21.11%	32.35%
2022	29.72%	10.91%
2021	10.03%	5.21%
2020	4.43%	4%
Prior	9.91%	6.94%
Revolving Loans	19.09%	17.52%
Total	100%	100%
Single Family - Mortgage & Warehouse
Financing Receivable, Credit Quality Indicator [Line Items]
2024	$ 209,544	$ 730,498
2023	692,634	1,359,272
2022	1,334,900	534,585
2021	525,986	347,145
2020	339,236	270,513
Prior	916,528	682,031
Revolving Loans	295,078	249,789
Total	4,313,906	4,173,833
Gross charge-offs
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	80
Revolving Loans	0
Total	80
Multifamily and Commercial Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2024	9,328	558,787
2023	489,188	988,022
2022	988,008	509,066
2021	499,432	354,600
2020	335,928	238,478
Prior	640,097	433,272
Revolving Loans	0	0
Total	2,961,981	3,082,225
Gross charge-offs
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	0
Revolving Loans	0
Total	0
Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
2024	501,339	1,896,476
2023	1,867,923	2,395,722
2022	2,203,710	669,451
2021	602,443	114,016
2020	43,608	134,215
Prior	109,154	29,914
Revolving Loans	840,449	960,024
Total	6,168,626	6,199,818
Gross charge-offs
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	0
Revolving Loans	0
Total	0
Commercial & Industrial - Non-RE
Financing Receivable, Credit Quality Indicator [Line Items]
2024	248,136	488,120
2023	423,625	384,197
2022	337,121	30,809
2021	29,707	26,207
2020	20,027	2,098
Prior	8,855	0
Revolving Loans	2,141,498	1,708,219
Total	3,208,969	2,639,650
Gross charge-offs
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	0
Revolving Loans	0
Total	0
Auto & Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	10,130	162,604
2023	149,524	257,571
2022	236,763	70,909
2021	63,033	25,099
2020	21,560	20,073
Prior	25,001	10,008
Revolving Loans	0	0
Total	506,011	546,264
Gross charge-offs
2024	0
2023	711
2022	1,093
2021	378
2020	73
Prior	26
Revolving Loans	0
Total	2,281
Other
Financing Receivable, Credit Quality Indicator [Line Items]
2024	905	5,721
2023	0	2,000
2022	0	1,351
2021	1,230	0
2020	0	0
Prior	303	1,164
Revolving Loans	0	0
Total	2,438	10,236
Gross charge-offs
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	0
Revolving Loans	0
Total	0
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2024	979,382	3,812,433
2023	3,585,084	5,259,453
2022	4,916,728	1,754,423
2021	1,650,638	765,600
2020	664,573	620,062
Prior	1,540,060	1,054,716
Revolving Loans	3,264,979	2,910,818
Total	16,601,444	16,177,505
Pass | Single Family - Mortgage & Warehouse
Financing Receivable, Credit Quality Indicator [Line Items]
2024	209,544	730,498
2023	673,266	1,346,804
2022	1,306,937	522,873
2021	514,928	324,458
2020	313,863	255,547
Prior	848,948	639,401
Revolving Loans	295,078	243,175
Total	4,162,564	4,062,756
Pass | Multifamily and Commercial Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2024	9,328	558,787
2023	478,469	975,186
2022	974,390	498,744
2021	479,725	314,383
2020	299,551	224,592
Prior	597,311	404,222
Revolving Loans	0	0
Total	2,838,774	2,975,914
Pass | Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
2024	501,339	1,867,476
2023	1,867,923	2,323,095
2022	2,113,338	631,500
2021	563,541	87,059
2020	20,737	117,928
Prior	62,928	0
Revolving Loans	840,449	960,024
Total	5,970,255	5,987,082
Pass | Commercial & Industrial - Non-RE
Financing Receivable, Credit Quality Indicator [Line Items]
2024	248,136	488,120
2023	416,819	358,214
2022	287,067	29,777
2021	28,675	14,794
2020	9,041	2,098
Prior	5,866	0
Revolving Loans	2,129,452	1,707,619
Total	3,125,056	2,600,622
Pass | Auto & Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	10,130	161,831
2023	148,607	256,154
2022	234,996	70,223
2021	62,579	24,906
2020	21,381	19,897
Prior	24,704	9,929
Revolving Loans	0	0
Total	502,397	542,940
Pass | Other
Financing Receivable, Credit Quality Indicator [Line Items]
2024	905	5,721
2023	0	0
2022	0	1,306
2021	1,190	0
2020	0	0
Prior	303	1,164
Revolving Loans	0	0
Total	2,398	8,191
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	29,423
2023	37,231	69,251
2022	100,134	12,115
2021	8,537	29,593
2020	31,269	21,461
Prior	52,690	33,312
Revolving Loans	12,046	7,214
Total	241,907	202,369
Special Mention | Single Family - Mortgage & Warehouse
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	19,368	7,280
2022	18,998	7,026
2021	6,468	8,303
2020	11,028	12,942
Prior	36,745	18,244
Revolving Loans	0	6,614
Total	92,607	60,409
Special Mention | Multifamily and Commercial Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	10,719	9,691
2022	0	4,636
2021	2,000	1,360
2020	1,358	7,705
Prior	0	0
Revolving Loans	0	0
Total	14,077	23,392
Special Mention | Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	29,000
2023	0	43,427
2022	45,130	0
2021	0	8,457
2020	7,871	800
Prior	15,887	15,062
Revolving Loans	0
Total	68,888	96,746
Special Mention | Commercial & Industrial - Non-RE
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	6,806	8,221
2022	35,430	0
2021	0	11,413
2020	10,986	0
Prior	0	0
Revolving Loans	12,046	600
Total	65,268	20,234
Special Mention | Auto & Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	423
2023	338	632
2022	576	453
2021	69	60
2020	26	14
Prior	58	6
Revolving Loans	0	0
Total	1,067	1,588
Special Mention | Other
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	350
2023	579	58,080
2022	83,640	49,633
2021	62,656	71,874
2020	64,517	23,854
Prior	107,188	68,361
Revolving Loans	0	0
Total	318,580	272,152
Substandard | Single Family - Mortgage & Warehouse
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	5,188
2022	8,965	4,686
2021	4,590	14,384
2020	14,345	2,024
Prior	30,835	24,386
Revolving Loans	0	0
Total	58,735	50,668
Substandard | Multifamily and Commercial Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	3,145
2022	13,618	5,686
2021	17,707	38,857
2020	35,019	6,181
Prior	42,786	29,050
Revolving Loans	0	0
Total	109,130	82,919
Substandard | Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	29,200
2022	45,242	37,951
2021	38,902	18,500
2020	15,000	15,487
Prior	30,339	14,852
Revolving Loans	0	0
Total	129,483	115,990
Substandard | Commercial & Industrial - Non-RE
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	17,762
2022	14,624	1,032
2021	1,032	0
2020	0	0
Prior	2,989	0
Revolving Loans	0	0
Total	18,645	18,794
Substandard | Auto & Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	350
2023	579	785
2022	1,191	233
2021	385	133
2020	153	162
Prior	239	73
Revolving Loans	0	0
Total	2,547	1,736
Substandard | Other
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	2,000
2022	0	45
2021	40	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	40	2,045
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Doubtful | Single Family - Mortgage & Warehouse
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Doubtful | Multifamily and Commercial Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Doubtful | Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Doubtful | Commercial & Industrial - Non-RE
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Doubtful | Auto & Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Doubtful | Other
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	0	0
Total	$ 0	$ 0

LOANS & ALLOWANCE FOR CREDIT_11

LOANS & ALLOWANCE FOR CREDIT LOSSES - PAST DUE LOANS (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
Financing Receivable, Past Due [Line Items]
Total	$ 17,161,931	$ 16,652,026
Single Family - Mortgage & Warehouse
Financing Receivable, Past Due [Line Items]
Total	4,313,906	4,173,833
Multifamily and Commercial Mortgage
Financing Receivable, Past Due [Line Items]
Total	2,961,981	3,082,225
Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total	6,168,626	6,199,818
Commercial & Industrial - Non-RE
Financing Receivable, Past Due [Line Items]
Total	3,208,969	2,639,650
Auto & Consumer
Financing Receivable, Past Due [Line Items]
Total	506,011	546,264
Other
Financing Receivable, Past Due [Line Items]
Total	2,438	10,236
Current
Financing Receivable, Past Due [Line Items]
Total	$ 16,985,491	$ 16,508,938
As a % of total gross loans	98.98%	99.14%
Current | Single Family - Mortgage & Warehouse
Financing Receivable, Past Due [Line Items]
Total	$ 4,227,936	$ 4,102,150
Current | Multifamily and Commercial Mortgage
Financing Receivable, Past Due [Line Items]
Total	2,921,752	3,048,217
Current | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total	6,126,237	6,173,716
Current | Commercial & Industrial - Non-RE
Financing Receivable, Past Due [Line Items]
Total	3,208,969	2,639,650
Current | Auto & Consumer
Financing Receivable, Past Due [Line Items]
Total	498,370	537,181
Current | Other
Financing Receivable, Past Due [Line Items]
Total	2,227	8,024
30-59 Days
Financing Receivable, Past Due [Line Items]
Total	$ 38,495	$ 41,384
As a % of total gross loans	0.22%	0.25%
30-59 Days | Single Family - Mortgage & Warehouse
Financing Receivable, Past Due [Line Items]
Total	$ 26,362	$ 20,832
30-59 Days | Multifamily and Commercial Mortgage
Financing Receivable, Past Due [Line Items]
Total	6,307	2,705
30-59 Days | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total	800	11,250
30-59 Days | Commercial & Industrial - Non-RE
Financing Receivable, Past Due [Line Items]
Total	0	0
30-59 Days | Auto & Consumer
Financing Receivable, Past Due [Line Items]
Total	4,815	6,529
30-59 Days | Other
Financing Receivable, Past Due [Line Items]
Total	211	68
60-89 Days
Financing Receivable, Past Due [Line Items]
Total	$ 12,407	$ 10,803
As a % of total gross loans	0.07%	0.06%
60-89 Days | Single Family - Mortgage & Warehouse
Financing Receivable, Past Due [Line Items]
Total	$ 11,118	$ 7,971
60-89 Days | Multifamily and Commercial Mortgage
Financing Receivable, Past Due [Line Items]
Total	0	1,124
60-89 Days | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total	0	0
60-89 Days | Commercial & Industrial - Non-RE
Financing Receivable, Past Due [Line Items]
Total	0	0
60-89 Days | Auto & Consumer
Financing Receivable, Past Due [Line Items]
Total	1,289	1,707
60-89 Days | Other
Financing Receivable, Past Due [Line Items]
Total	0	1
90+ Days
Financing Receivable, Past Due [Line Items]
Total	$ 125,538	$ 90,901
As a % of total gross loans	0.73%	0.55%
90+ Days | Single Family - Mortgage & Warehouse
Financing Receivable, Past Due [Line Items]
Total	$ 48,490	$ 42,880
90+ Days | Multifamily and Commercial Mortgage
Financing Receivable, Past Due [Line Items]
Total	33,922	30,179
90+ Days | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total	41,589	14,852
90+ Days | Commercial & Industrial - Non-RE
Financing Receivable, Past Due [Line Items]
Total	0	0
90+ Days | Auto & Consumer
Financing Receivable, Past Due [Line Items]
Total	1,537	847
90+ Days | Other
Financing Receivable, Past Due [Line Items]
Total	$ 0	2,143
Total
Financing Receivable, Past Due [Line Items]
Total		$ 16,652,026
As a % of total gross loans	100%	100%

STOCKHOLDERS_ EQUITY AND STOC_3

STOCKHOLDERS’ EQUITY AND STOCK-BASED COMPENSATION - NARRATIVE (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended
	Oct. 20, 2023	Sep. 30, 2023	Sep. 30, 2022
Stock Award Compensation Expense
Stock repurchase amount		$ 24,536
RSUs
Stock Award Compensation Expense
Total fair value of shares vested		$ 14,800	$ 12,000
Weighted-average remaining time period		1 year 6 months
Common Stock
Stock Award Compensation Expense
Stock repurchase amount		$ 24,500	$ 6,000
Purchase of treasury stock (in shares)		648,208	159,297
Repurchased stock, average price per share (in dollars per share)		$ 37.85
Common Stock | Subsequent Event
Stock Award Compensation Expense
Stock repurchase amount	$ 35,000
Purchase of treasury stock (in shares)	963,640

STOCKHOLDERS_ EQUITY AND STOC_4

STOCKHOLDERS’ EQUITY AND STOCK-BASED COMPENSATION - UNRECOGNIZED COMPENSATION EXPENSE RELATED TO NON-VESTED AWARDS (Details) - RSUs $ in Thousands	Sep. 30, 2023 USD ($) shares
Stock Award Compensation Expense
Remainder of fiscal year 2024	$ 21,320
2025	19,416
2026	10,256
2027	1,879
2028	237
Total	$ 53,108
A2014 Stock Incentive Plan
Stock Award Compensation Expense
Share-based compensation arrangement by share-based payment award, number of shares available for grant | shares	915,865
Unrecognized compensation expense	$ 53,100

STOCKHOLDERS_ EQUITY AND STOC_5

STOCKHOLDERS’ EQUITY AND STOCK-BASED COMPENSATION - CHANGES IN RESTRICTED STOCK UNIT GRANTS (Details) - RSUs	3 Months Ended
	Sep. 30, 2023 $ / shares shares
RSUs
Non-vested balance, beginning (in shares) | shares	1,407,882
Granted (in shares) | shares	631,577
Vested (in shares) | shares	(360,817)
Forfeited (in shares) | shares	(12,781)
Non-vested balance, ending (in shares) | shares	1,665,861
Weighted-Average Grant-Date Fair Value
Non-vested balance, beginning (in dollars per share) | $ / shares	$ 41.53
Granted (in dollars per share) | $ / shares	42.60
Vested (in dollars per share) | $ / shares	37.62
Forfeited (in dollars per share) | $ / shares	39.57
Non-vested balance, ending (in dollars per share) | $ / shares	$ 42.80

EARNINGS PER COMMON SHARE (Deta

EARNINGS PER COMMON SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Earnings Per Common Share
Net income		$ 58,407
Average common shares outstanding (in shares)	58,949,038	59,854,584
Basic earnings per common share (in dollars per share)	$ 1.40	$ 0.98
Diluted Earnings Per Common Share
Net income	$ 82,645	$ 58,407
Average common shares issued and outstanding (in shares)	58,949,038	59,854,584
Total dilutive common shares outstanding (in shares)	59,808,322	60,486,394
Diluted earnings per common share (in dollars per share)	$ 1.38	$ 0.97
Weighted average antidilutive common stock equivalents (in shares)	5,348	251,841
RSUs
Diluted Earnings Per Common Share
Dilutive effect of average unvested RSUs (in shares)	859,284	631,810

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - SCHEDULE OF MATURITIES OF LEASE LIABILITIES (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Within one year	$ 11,635
After one year and within two years	11,833
After two years and within three years	11,409
After three years and within four years	11,504
After four years within five years	9,869
After five years	17,841
Total lease payments	74,091
Less: amount representing interest	(6,847)
Total lease liability	$ 67,244

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES - NARRATIVE (Details) - USD ($) $ in Millions	12 Months Ended
	Jun. 30, 2023	Sep. 30, 2023
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet risk, ratio of commitments to originate loans to commitments to sell		3,600%
MUFG Union Bank v. Axos Bank
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Accrued litigation expense	$ 16
General and administrative expense	$ 16
Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment		$ 3,218.3
Loan Origination Commitments | Fixed Interest Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment		$ 99
Weighted average fixed interest rate on commitments to extend credit		8.44%
Loan Origination Commitments | Fixed Interest Rate | Sales commitment
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, commitment		$ 13.2
Loan Origination Commitments | Variable Interest Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment		$ 3,119.3

SEGMENT REPORTING AND REVENUE_3

SEGMENT REPORTING AND REVENUE INFORMATION - SEGMENT REPORTING INFORMATION, BY SEGMENT (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2023 USD ($) segment	Sep. 30, 2022 USD ($)	Jun. 30, 2023 USD ($)
Segment Reporting [Abstract]
Number of operating segments | segment	2
Segment Reporting Information [Line Items]
Net interest income	$ 211,155	$ 180,475
Provision for credit losses	7,000	8,750
Non-interest income	34,507	27,208
Non-interest expense	120,506	116,087
INCOME BEFORE INCOME TAXES	118,156	82,846
Goodwill	97,673		$ 97,673
Total Assets	20,825,206		20,348,469
Operating segments | Banking Business
Segment Reporting Information [Line Items]
Net interest income	209,219	179,730
Provision for credit losses	7,000	8,750
Non-interest income	12,557	10,712
Non-interest expense	100,786	100,796
INCOME BEFORE INCOME TAXES	113,990	80,896
Goodwill	35,721		35,721
Total Assets	19,929,316		19,396,167
Operating segments | Securities Business
Segment Reporting Information [Line Items]
Net interest income	5,542	4,275
Provision for credit losses	0	0
Non-interest income	34,555	29,165
Non-interest expense	27,523	24,515
INCOME BEFORE INCOME TAXES	12,574	8,925
Goodwill	61,952		61,952
Total Assets	858,141		899,496
Corporate/Eliminations
Segment Reporting Information [Line Items]
Net interest income	(3,606)	(3,530)
Provision for credit losses	0	0
Non-interest income	(12,605)	(12,669)
Non-interest expense	(7,803)	(9,224)
INCOME BEFORE INCOME TAXES	(8,408)	$ (6,975)
Goodwill	0		0
Total Assets	$ 37,749		$ 52,806

SEGMENT REPORTING AND REVENUE_4

SEGMENT REPORTING AND REVENUE INFORMATION - NON-INTEREST INCOME (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Segment Reporting [Abstract]
Advisory fee income	$ 8,219	$ 6,959
Broker-dealer clearing fees	5,535	5,233
Deposit service fees	680	1,106
Card fees	682	789
Bankruptcy trustee and fiduciary service fees	1,394	773
Non-interest income (in-scope ASC 606)	16,510	14,860
Non-interest income (out-of-scope ASC 606)	17,997	12,348
Total non-interest income	$ 34,507	$ 27,208