HomeTrust Bancshares (HTBI) 10-Q 6 Nov 20 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Sep. 30, 2020	Nov. 05, 2020
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2020
Document Transition Report	false
Entity File Number	001-35593
Entity Registrant Name	HOMETRUST BANCSHARES, INC.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	45-5055422
Entity Address, Address Line One	10 Woodfin Street
Entity Address, City or Town	Asheville
Entity Address, State or Province	NC
Entity Address, Postal Zip Code	28801
City Area Code	828
Local Phone Number	259-3939
Title of 12(b) Security	Common Stock, par value $.01 per share
Trading Symbol	HTBI
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		17,020,724
Entity Central Index Key	0001538263
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Assets
Cash	$ 29,472	$ 31,908
Interest-bearing deposits	141,672	89,714
Cash and cash equivalents	171,144	121,622
Commercial paper, net	204,867	304,967
Certificates of deposit in other banks	52,361	55,689
Debt securities available for sale, at fair value (amortized cost of $93,342 and $124,918 at September 30, 2020 and June 30, 2020, respectively)	96,159	127,537
Other investments, at cost	38,949	38,946
Loans held for sale	124,985	77,177
Total loans, net of deferred loan costs	2,769,396	2,769,119
Allowance for credit losses	(43,132)	(28,072)
Total loans	2,726,264	2,741,047
Premises and equipment, net	59,418	58,462
Accrued interest receivable	10,648	12,312
REO	144	337
Deferred income taxes	19,209	16,334
BOLI	92,775	92,187
Goodwill	25,638	25,638
Core deposit intangibles	840	1,078
Other assets	50,633	49,519
Total assets acquired	3,674,034	3,722,852
Liabilities
Deposits	2,742,046	2,785,756
Borrowings	475,000	475,000
Other liabilities	56,637	53,833
Total liabilities assumed	3,273,683	3,314,589
Stockholders' Equity
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value, 60,000,000 shares authorized, 17,020,724 shares     issued and outstanding at September 30, 2020; 17,021,357 at June 30, 2020	170	170
Additional paid in capital	170,204	169,648
Retained earnings	234,023	242,776
Unearned ESOP shares	(6,216)	(6,348)
Accumulated other comprehensive income	2,170	2,017
Total stockholders' equity	400,351	408,263
Total Liabilities and Stockholders' Equity	$ 3,674,034	$ 3,722,852

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Statement of Financial Position [Abstract]
Debt securities available for sale, at fair value, amortized cost	$ 93,342	$ 124,918
Preferred stock par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock authorized shares	10,000,000	10,000,000
Preferred stock issued shares	0	0
Preferred stock shares outstanding	0	0
Common stock par value (in dollars per share)	$ 0.01	$ 0.01
Common stock shares authorized	60,000,000	60,000,000
Common stock shares issued	17,020,724	17,021,357
Common stock shares outstanding	17,020,724	17,021,357

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Interest and Dividend Income
Loans	$ 28,592	$ 32,266
Commercial paper and interest-bearing deposits	881	2,253
Securities available for sale	528	896
Other investments	448	832
Total interest and dividend income	30,449	36,247
Interest Expense
Deposits	3,253	5,853
Borrowings	1,687	3,321
Total interest expense	4,940	9,174
Net Interest Income	25,509	27,073
Provision for Credit Losses	950	0
Net Interest Income after Provision for Credit Losses	24,559	27,073
Noninterest Income
Service charges and fees on deposit accounts	2,097	2,443
Loan income and fees	474	882
Gain on sale of loans held for sale	3,344	2,299
BOLI income	532	697
Other, net	2,192	1,339
Total noninterest income	8,639	7,660
Noninterest Expense
Salaries and employee benefits	15,207	13,912
Net occupancy expense	2,293	2,342
Computer services	2,307	2,024
Telephone, postage, and supplies	662	802
Marketing and advertising	325	679
Deposit insurance premiums	511	0
Gain on sale and impairment of REO	(35)	(19)
REO expense	248	258
Core deposit intangible amortization	238	411
Other	4,244	3,124
Total noninterest expense	26,000	23,533
Income Before Income Taxes	7,198	11,200
Income Tax Expense	1,445	2,396
Net Income	$ 5,753	$ 8,804
Net income per common share:
Basic (in dollars per share)	$ 0.35	$ 0.51
Diluted (in dollars per share)	$ 0.35	$ 0.49
Average shares outstanding:
Basic (in shares)	16,230,990	17,097,647
Diluted (in shares)	16,469,242	17,753,657

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Statement of Comprehensive Income [Abstract]
Net Income	$ 5,753	$ 8,804
Other Comprehensive Income
Gains arising during the period	199	295
Deferred income tax expense	(46)	(68)
Total other comprehensive income	153	227
Comprehensive Income	$ 5,906	$ 9,031

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Cumulative-effect adjustment due to the adoption of ASU 2016-13	Common Stock	Additional Paid In Capital	Retained Earnings	Retained EarningsCumulative-effect adjustment due to the adoption of ASU 2016-13	Unearned ESOP Shares	Accumulated Other Comprehensive Income
Balance at beginning of period (in shares) at Jun. 30, 2019			17,984,105
Balance at beginning of period at Jun. 30, 2019	$ 408,896		$ 180	$ 190,315	$ 224,545		$ (6,877)	$ 733
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	8,804				8,804
Cash dividends declared on common stock, $0.07/common share	(1,034)				(1,034)
Shares repurchased (in shares)			(189,160)
Stock repurchased	$ (4,800)		$ (2)	(4,798)
Forfeited restricted stock (in shares)			(3,200)
Granted restricted stock (in shares)			13,000
Exercised stock options (in shares)	13,400		13,400
Exercised stock options	$ 194			194
Stock option expense	198			198
Restricted stock expense	245			245
ESOP shares allocated	338			205			133
Other comprehensive income	227							227
Balance at end of period (in shares) at Sep. 30, 2019			17,818,145
Balance at end of period at Sep. 30, 2019	413,068		$ 178	186,359	232,315		(6,744)	960
Balance at beginning of period (in shares) at Jun. 30, 2019			17,984,105
Balance at beginning of period at Jun. 30, 2019	$ 408,896		$ 180	190,315	224,545		(6,877)	733
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member
Balance at end of period (in shares) at Jun. 30, 2020	17,021,357		17,021,357
Balance at end of period at Jun. 30, 2020	$ 408,263	$ (13,358)	$ 170	169,648	242,776	$ (13,358)	(6,348)	2,017
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 5,753				5,753
Accounting Standards Update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member
Cash dividends declared on common stock, $0.07/common share	$ (1,148)				(1,148)
Retired stock (in shares)			(633)
Retired stock	(9)			(9)
Stock option expense	164			164
Restricted stock expense	342			342
ESOP shares allocated	191			59			132
Other comprehensive income	$ 153							153
Balance at end of period (in shares) at Sep. 30, 2020	17,020,724		17,020,724
Balance at end of period at Sep. 30, 2020	$ 400,351		$ 170	$ 170,204	$ 234,023		$ (6,216)	$ 2,170

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Statement of Stockholders' Equity [Abstract]
Common stock, dividends, declared (in dollars per share)	$ 70	$ 60

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Operating Activities:
Net income	$ 5,753	$ 8,804
Adjustments to reconcile net income to net cash used in operating activities:
Provision for credit losses	950	0
Depreciation	2,392	1,223
Deferred income tax expense	1,070	2,198
Net amortization and accretion	(442)	(1,705)
Gain on sale and impairment of REO	(35)	(19)
Gain on sale of loans held for sale	(3,344)	(2,299)
Origination of loans held for sale	(221,404)	(77,778)
Proceeds from sales of loans held for sale	158,185	62,122
Increase in deferred loan costs, net	(1,753)	(250)
Decrease in accrued interest receivable and other assets	1,926	419
Amortization of core deposit intangibles	238	411
BOLI income	(532)	(697)
ESOP compensation expense	191	338
Restricted stock and stock option expense	506	443
Increase (decrease) in other liabilities	516	(2,274)
Net cash used in operating activities	(55,783)	(9,064)
Investing Activities:
Purchase of securities available for sale	(500)	(49,375)
Proceeds from maturities of securities available for sale	27,285	1,900
Net proceeds (purchases) of commercial paper	100,397	(11,159)
Purchase of certificates of deposit in other banks	(996)	(5,130)
Maturities of certificates of deposit in other banks	4,324	7,018
Principal repayments of mortgage-backed securities	4,635	3,748
Net purchases of other investments	(3)	(522)
Net decrease (increase) in loans	19,583	(56,538)
Purchase of BOLI	(56)	(25)
Proceeds from redemption of BOLI	0	477
Purchase of premises and equipment	(1,807)	(383)
Purchase of operating lease equipment	(2,918)	(1,606)
Proceeds from sale of REO	228	412
Net cash provided by (used in) investing activities	150,172	(111,183)
Financing Activities:
Net increase (decrease) in deposits	(43,710)	166,937
Net increase in other borrowings	0	5,000
Common stock repurchased	0	(4,800)
Cash dividends paid	(1,148)	(1,034)
Retired stock	(9)	0
Exercised stock options	0	194
Net cash provided by (used in) financing activities	(44,867)	166,297
Net Increase in Cash and Cash Equivalents	49,522	46,050
Cash and Cash Equivalents at Beginning of Period	121,622	71,043
Cash and Cash Equivalents at End of Period	171,144	117,093
Cash paid during the period for:
Interest	5,308	9,011
Income taxes	1,686	5
Noncash transactions:
Unrealized gain in value of securities available for sale, net of income taxes	153	227
Transfer of loans to REO	0	46
Transfer of loans held for sale to total loans	17,754	3,614
Transfer of one-to-four family loans to held for sale	0	256,803
Transfer of land from property and equipment to other assets for new finance lease accounting	0	2,052
New ROU asset and lease liabilities for new operating lease accounting	$ 533	$ 5,296

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies The consolidated financial statements presented in this report include the accounts of HomeTrust Bancshares, Inc., a Maryland corporation ("HomeTrust"), and its wholly-owned subsidiary, HomeTrust Bank (the "Bank"). As used throughout this report, the term the "Company" refers to HomeTrust and the Bank, its consolidated subsidiary, unless the context otherwise requires. The accompanying unaudited consolidated financial statements have been prepared in accordance with GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended June 30, 2020 ("2020 Form 10-K") filed with the SEC on September 11, 2020. The results of operations for the three months ended September 30, 2020 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2021. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions, and other subjective assessments. In particular, management has identified several accounting policies that, due to the judgments, estimates and assumptions inherent in those policies, are critical to an understanding of the Company's financial statements. These policies relate to (i) the determination of the provision and the allowance for credit losses on loans and (ii) the valuation of goodwill and other intangible assets. These policies and judgments, estimates and assumptions are described in greater detail in notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in the Company's 2020 Form 10-K. Management believes that the judgments, estimates and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to these critical accounting policies, the use of other judgments, estimates and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on these estimates and the Company's financial condition and operating results in future periods. Operating, Accounting and Reporting Considerations related to COVID-19 The COVID-19 pandemic has negatively impacted the global economy. In response to this crisis, the CARES Act was passed by Congress and signed into law on March 27, 2020. The CARES Act provides an estimated $2.2 trillion to fight the COVID-19 pandemic and stimulate the economy by supporting individuals and businesses through loans, grants, tax changes, and other types of relief. Some of the provisions applicable to the Company include, but are not limited to: • Accounting for Loan Modifications - The CARES Act provides that a financial institution may elect to suspend (1) the requirements under GAAP for certain loan modifications that would otherwise be categorized as a TDR and (2) any determination that such loan modifications would be considered a TDR, including the related impairment for accounting purposes. The Bank has elected this as a policy change. • PPP - The CARES Act established the PPP, an expansion of the SBA's 7(a) loan program and the Economic Injury Disaster Loan Program, administered directly by the SBA. Also in response to the COVID-19 pandemic, the Board of Governors of the Federal Reserve System, the FDIC, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Consumer Financial Protection Bureau, in consultation with the state financial regulators (collectively, the “agencies”) issued a joint interagency statement (issued March 22, 2020; revised statement issued April 7, 2020). Some of the provisions applicable to the Company include, but are not limited to: • Accounting for Loan Modifications - A loan modification that does not meet the conditions of the CARES Act may still qualify as a modification that does not need to be accounted for as a TDR. The agencies confirmed with FASB staff that short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not TDRs. This includes short-term (e.g., six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or insignificant delays in payment. • Past Due Reporting - With regard to loans not otherwise reportable as past due, financial institutions are not expected to designate loans with deferrals granted due to COVID-19 as past due because of the deferral. A loan’s payment date is governed by the due date stipulated in the legal agreement. If a financial institution agrees to a payment deferral, these loans would not be considered past due during the period of the deferral. • Nonaccrual Status and Charge-offs - While short-term COVID-19 modifications are in effect, these loans generally should not be reported as nonaccrual or as classified. See Note 6 Loans for more information on COVID-19 specific loans that have been modified or in deferral. Adoption of CECL standard On July 1, 2020, the Company adopted ASU No. 2016-13, "Financial Instruments-Credit Losses ("Topic 326"): Measurement of Credit Losses on Financial Instruments" , sometimes referred to herein as ASU 2016-13. Topic 326 was subsequently amended by ASU No. 2019-11, Codification Improvements to Topic 326, Financial Instruments-Credit Losses; ASU No. 2019-05, Codification Improvements to Topic 326, Financial Instruments-Credit Losses; and ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This standard applies to all financial assets measured at amortized cost and off balance sheet credit exposures, including loans, investment securities and unfunded commitments. The Company applied the standard’s provisions using the modified retrospective method as a cumulative effect adjustment to retained earnings as of July 1, 2020. With this transition method, the Company did not have to restate comparative prior periods presented in the financial statements related to Topic 326, but will present comparative prior period disclosures using the previous accounting guidance for the allowance for loan losses. This adoption method is considered a change in accounting principle requiring additional disclosure of the nature of and reason for the change, which is solely a result of the adoption of the required standard. ACL – Investment Securities Management uses a systematic methodology to determine its ACL for investment securities held to maturity. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the held-to-maturity portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. Management monitors the held-to-maturity portfolio to determine whether a valuation account would need to be recorded. The Company currently has no investment securities held to maturity. Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of September 30, 2020, the accrued interest receivable for investment securities available for sale was $453. The Company’s estimate of expected credit losses includes a measure of the expected risk of credit loss even if that risk is remote. However, the Company does not measure expected credit losses on an investment security in which historical credit loss information adjusted for current conditions and reasonable and supportable forecast results in an expectation that nonpayment of the amortized cost basis is zero. Management does not expect nonpayment of the amortized cost basis to be zero solely on the basis of the current value of collateral securing the security but, instead, also considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral. The Company performed an analysis that determined that the following securities have a zero expected credit loss: U.S. government agencies, residential MBS of U.S. government agencies and GSEs, and municipal bonds. All of the U.S. government agencies and U.S. government agency backed securities have the full faith and credit backing of the United States Government or one of its agencies. Municipal bonds that do not have a zero expected credit loss will be evaluated quarterly to determine whether there is a credit loss associated with a decline in fair value. Management no longer evaluates securities for OTTI, as ASC Subtopic 326-30, "Financial Instruments—Credit Losses—Available-for-Sale Debt Securities," changes the accounting for recognizing impairment on available-for-sale debt securities. Each quarter management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value. Management considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral among other factors. Credit losses are calculated individually, rather than collectively, using a DCF method, whereby management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the provision for credit losses in the Consolidated Statements of Income. ACL - Loans and leases The ACL reflects management’s estimate of losses that will result from the inability of its borrowers to make required loan payments. The Company established the incremental increase in the ACL at adoption of the CECL standard through the cumulative effect adjustment to equity and subsequent adjustments will be made through a provision for credit losses charged against earnings. Management records loans charged off against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. Management uses a systematic methodology to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. The Company’s ACL recorded in the balance sheet reflects management’s best estimate within the range of expected credit losses. The Company recognizes in net income the amount needed to adjust the ACL for management’s current estimate of expected credit losses. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. The Company collectively evaluates loans that share similar risk characteristics. In general, management has segmented loans by regulatory call code category and collectively evaluates loans within the retail and commercial categories. Loans within the retail consumer category include: 1-4 family, HELOCs - originated, HELOCs - purchased, construction and land/lots, indirect auto finance, and consumer. Loans within the commercial category include: commercial real estate, construction and development, commercial and industrial, equipment finance, and municipal leases . For collectively evaluated loans, the Company uses a DCF method for each loan in a pool, and the results are aggregated at the pool level. A periodic tendency to default and absolute loss given default are applied to a projective model of the loan’s cash flow while considering prepayment and principal curtailment effects. The analysis produces expected cash flows for each instrument in the pool by pairing loan-level term information (maturity date, payment amount, interest rate, etc.) with top-down pool assumptions (default rates, prepayment speeds). The Company has identified the following portfolio segments for the current calculation: 1-4 family construction, 1-4 family mortgage – jr. lien, 1-4 family mortgage – sr. lien, commercial and industrial, commercial leases, construction – multi-family, construction – non-owner occupied, construction – owner occupied, consumer – auto, consumer – other, consumer – revolving, farmland, land and lot, multifamily, municipal leases, non-owner occupied CRE, owner occupied CRE, and HELOCs. PPP loans are fully guaranteed by the SBA; therefore, management estimates a zero reserve for PPP loans within its allowance for credit losses. Management has determined that the peer loss experience provides the best basis for its assessment of expected credit losses to determine the ACL. The Company utilized peer call report data to measure historical credit loss experience with similar risk characteristics within the segments over an economic cycle. Management reviewed the historical loss information to appropriately adjust for differences in current asset specific risk characteristics. Management also considered further adjustments to historical loss information for current conditions and reasonable and supportable forecasts that differ from the conditions that existed for the period over which historical information was evaluated. For all segment models for collectively evaluated loans (except for HELOCs), the Company incorporated one macroeconomic driver using a statistical regression modeling methodology. The HELOC segment incorporated two macroeconomic drivers. Due to the low loss rates of municipal leases and the expectation of them remaining low, management has elected to separately pool these loans. Management has elected to use readily available municipal default rates and loss given defaults in order to calculate expected credit losses. Management considers forward-looking information in estimating expected credit losses. The Company uses the Fannie Mae quarterly economic forecast which is a baseline outlook for the United States economy. Management has evaluated the appropriateness of the reasonable and supportable forecast for the current period along with the inputs used in the estimation of expected credit losses. For the contractual term that extends beyond the reasonable and supportable forecast period, the Company reverts to historical loss information within four quarters using a straight-line approach. Management may apply different reversion techniques depending on the economic environment for the financial asset portfolio and as of the current period has utilized a linear reversion technique. Management has evaluated the appropriateness of a reversion period for the current period and noted that it was reasonable. Included in its systematic methodology to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures, management considers the need to qualitatively adjust expected credit losses for information not already captured in the loss estimation process. These qualitative adjustments can either increase or decrease the quantitative model estimation (i.e. formulaic model results). Each period the Company considers qualitative factors that are relevant within the qualitative framework that include the following: 1) lending policies and procedures, 2) credit review function, 3) experience and depth of management and staff, 4) external factors, and 5) actual and expected changes in economic and business conditions. When a loan no longer shares similar risk characteristics with its segment, the asset is assessed to determine whether it should be included in another pool or should be individually evaluated. For these individually evaluated loans, the Company maintains specific book balance thresholds for retail or consumer loans, commercial loans, municipal and equipment leases, and unsecured commercial loans. Management would adjust these thresholds if future analysis suggests a change is needed based on the credit environment at that time. Generally, individually evaluated loans other than TDRs are on nonaccrual status. Based on the thresholds above, financial assets will generally remain in pools unless they meet the dollar threshold or foreclosure is probable. The expected credit losses on individually evaluated loans will be estimated based on DCF analysis unless the loan meets the criteria for use of the fair value of collateral, either by virtue of an expected foreclosure or through meeting the definition of collateral dependent. Financial assets that have been individually evaluated can be returned to a pool for purposes of estimating the expected credit loss insofar as their credit profile improves and that the repayment terms are not considered to be unique to the asset. Management measures expected credit losses over the contractual term of the loans. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expects it will execute a TDR with a borrower. In the event of a reasonably-expected TDR, the Company factors the reasonably-expected TDR into the current expected credit losses estimate. The effects of a TDR are recorded when an individual asset is specifically identified as a reasonably-expected TDR. The Company identifies the point at which it offers the modification to the borrower as the point at which the TDR is reasonably expected for both commercial and consumer loans. The Company uses a DCF methodology to calculate the effect of the concession provided to the borrower in TDR within the ACL. PCD assets are defined as acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The Company records acquired PCD loans by adding the expected credit losses (i.e., ACL) to the purchase price of the financial assets rather than recording through the provision for credit losses in the income statement. The expected credit loss, as of the acquisition day, of a PCD loan is added to the ACL. The non-credit discount or premium is the difference between the unpaid principal balance and the amortized cost basis as of the acquisition date. Subsequent to the acquisition date, the change in the ACL on PCD loans is recognized through the provision for credit losses. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. In accordance with the transition requirements within the standard, the Company’s PCI loans were treated as PCD loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an ACL on accrued interest receivable. As of September 30, 2020, the accrued interest receivable for loans was $9,859. The Company has a variety of assets that have a component that qualifies as an off-balance sheet exposure. These primarily include undrawn portions of revolving lines of credit and standby letters of credit. The expected losses associated with these exposures within the unfunded portion of the expected credit loss will be recorded as a liability on the balance sheet with an offsetting income statement expense. Management has determined that a majority of the Company’s off-balance-sheet credit exposures are not unconditionally cancellable. See "Note 6 - Loans" for additional details related to the Company's off-balance-sheet credit exposure. The current adjustment to the ACL for unfunded commitments would be recognized through the provision for credit losses in the Statement of Income.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Sep. 30, 2020
Accounting Changes and Error Corrections [Abstract]
Recent Accounting Pronouncements	Recent Accounting Pronouncements In June 2016, the FASB issued ASU No. 2016-13 See table below for impact of this ASU on the Company's consolidated balance sheet: July 1, 2020 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption Assets: ACL on commercial paper $ (250) $ — $ (250) ACL on loans: Retail consumer loans $ (17,692) $ (6,956) $ (10,736) Commercial loans (25,189) (21,116) (4,073) Total ACL on loans $ (42,881) $ (28,072) $ (14,809) Deferred income taxes $ 20,323 $ 16,334 $ 3,989 Liabilities: Liability for credit losses on off-balance sheet credit exposures $ 2,288 $ — $ 2,288 Equity: Retained earnings $ 229,418 $ 242,776 $ (13,358) In August 2018, the FASB issued ASU 2018-13, "Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement." The amendments in this ASU remove, modify, and add certain disclosure requirements related to fair value measurements in ASC 820. The Company adopted this ASU on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In November 2018, the FASB issued ASU 2018-19, "Codification Improvements to Topic 326, Financial Instruments—Credit Losses." This update clarifies that receivables arising from operating leases are not within the scope of Subtopic 326-20. Instead, impairment of receivables arising from operating leases should be accounted for in accordance with Topic 842, Leases. The Company adopted this ASU on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In April 2019, the FASB issued ASU 2019-04, "Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments." The amendments in this update are part of the FASB's ongoing project to improve codification and correcting unintended application. The items within this ASU are not expected to have a significant effect on current accounting practice. The Company adopted the amendments to Financial Instruments (ASU 2016-01) on July 1, 2020 . The Company adopted the amendments to Financial Instruments-Credit Losses (ASU 2016-13) on July 1, 2020 . The Company adopted the amendments to Derivatives and Hedging (ASU 2017-12) on July 1, 2019 . The adoption did not have a material effect on the Company's Consolidated Financial Statements. In May 2019, the FASB issued ASU 2019-05, "Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief." The amendments in this update allow companies to irrevocably elect, upon the adoption of ASU 2016-13, the fair value option for financial instruments that i) were previously recorded at amortized cost and ii) are within the scope of the credit losses guidance in ASC 326-20, iii) are eligible for the fair value option under ASC 825-10, and iv) are not held-to-maturity debt securities. The Company adopted this ASU on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In November 2019, the FASB issued ASU 2019-11, "Codification Improvements to Topic 326, Financial Instruments-Credit Losses." This ASU clarifies certain aspects of the amendments in ASU 2016-13 and is part of the FASB's ongoing project to improve codification and correcting unintended application. The items within this ASU are not expected to have a significant effect on current accounting practice. The Company adopted this ASU on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In December 2019, the FASB issued ASU 2019-12, "Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes." This ASU is part of the FASB's simplification initiative to reduce complexity in accounting standards. The items within this ASU are not expected to have a significant effect on current accounting practice. The effective date and transition requirements for the first and second items of this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2020 and early adoption is permitted. The adoption of ASU No. 2019-12 is not expected to have a material impact on the Company's Consolidated Financial Statements. In January 2020, the FASB issued ASU 2020-01, "Investment—Equity Securities (Topic 321), Investments—Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815): Clarifying the Interactions between Topic 321, Topic 323, and Topic 815." This ASU clarified the interaction of the accounting for equity securities under Topic 321 and investments accounted for under the equity method of accounting in Topic 323 and the accounting for certain forward contracts and purchased options accounted for under Topic 815. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2021 and early adoption is permitted. The adoption of ASU No. 2020-01 is not expected to have a material impact on the Company's Consolidated Financial Statements. In March 2020, the FASB issued ASU 2020-03, "Codification Improvements to Financial Instruments." This ASU makes certain narrow-scope amendments to the following: i) clarified that all entities are required to provide fair value option disclosures; ii) clarified the applicability of the portfolio exception in ASC 820 to nonfinancial items; iii) aligned disclosures for depository and lending institutions (Topic 942) with guidance in Topic 320; iv) added cross-references to guidance in ASC 470-50 on line-of-credit or revolving-debt arrangements; v) added cross-references to net asset value practical expedient in ASC 820-10; vi) clarified the interaction between ASC 842 and ASC 326; and vii) clarified the interaction between ASC 326 and ASC 860-20. The amendments for issues i, ii, iv, and v became effective upon issuance and did not have a material effect on the Company's Consolidated Financial Statements. The Company adopted the amendments related to issue iii, vi, and vii on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements.

Debt Securities

Debt Securities	3 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Debt Securities	Debt Securities Securities available for sale consist of the following at the dates indicated: September 30, 2020 Amortized Gross Gross Estimated U.S. Government Agencies $ 3,961 $ 203 $ — $ 4,164 Residential MBS of U.S. Government Agencies and GSEs 42,438 1,785 (42) 44,181 Municipal Bonds 14,252 589 — 14,841 Corporate Bonds 32,691 284 (2) 32,973 Total $ 93,342 $ 2,861 $ (44) $ 96,159 June 30, 2020 Amortized Gross Gross Estimated U.S. Government Agencies $ 3,957 $ 216 $ — $ 4,173 Residential MBS of U.S. Government Agencies and GSEs 46,629 1,776 (50) 48,355 Municipal Bonds 16,090 541 — 16,631 Corporate Bonds 58,242 270 (134) 58,378 Total $ 124,918 $ 2,803 $ (184) $ 127,537 Debt securities available for sale by contractual maturity at September 30, 2020 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule. September 30, 2020 Amortized Estimated Due within one year $ 28,086 $ 28,188 Due after one year through five years 18,910 19,640 Due after five years through ten years 3,176 3,418 Due after ten years 732 732 Mortgage-backed securities 42,438 44,181 Total $ 93,342 $ 96,159 The Company had no sales of securities available for sale during the three months ended September 30, 2020 and 2019. There were no gross realized gains or losses for the three months ended September 30, 2020 and 2019. Securities available for sale with costs totaling $86,804 and $82,888 and market values of $88,134 and $84,456 at September 30, 2020 and June 30, 2020, respectively, were pledged as collateral to secure various public deposits and other borrowings. The gross unrealized losses and the fair value for securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of September 30, 2020 and June 30, 2020 were as follows: September 30, 2020 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Residential MBS of U.S. Government Agencies and GSEs $ 64 $ (8) $ 2,100 $ (34) $ 2,164 $ (42) Corporate Bonds 6,453 (2) — — 6,453 (2) Total $ 6,517 $ (10) $ 2,100 $ (34) $ 8,617 $ (44) June 30, 2020 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Residential MBS of U.S. Government Agencies and GSEs 227 (10) 2,435 (40) 2,662 (50) Corporate Bonds 11,779 (134) — — 11,779 (134) Total $ 12,006 $ (144) $ 2,435 $ (40) $ 14,441 $ (184) The total number of securities with unrealized losses at September 30, 2020, and June 30, 2020 were 20 and 24, respectively. Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. All debt securities available for sale in an unrealized loss position as of September 30, 2020 continue to perform as scheduled and we do not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of our evaluation of our intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, we consider our investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. We do not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that we will be required to sell the debt securities. See Note 1 – Summary of Significant Account Policies for further discussion. Management continues to monitor all of our securities with a high degree of scrutiny. There can be no assurance that we will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.

Other Investments

Other Investments	3 Months Ended
	Sep. 30, 2020
Investments, All Other Investments [Abstract]
Other Investments	Other Investments Other investments, at cost consist of the following at the dates indicated: September 30, 2020 June 30, 2020 FHLB of Atlanta stock $ 23,309 $ 23,309 FRB stock 7,371 7,368 SBIC investments 8,269 8,269 Total $ 38,949 $ 38,946

Loans Held For Sale

Loans Held For Sale	3 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Loans Held For Sale	Loans Held For Sale Loans held for sale as of the dates indicated consist of the following: September 30, 2020 June 30, 2020 One-to-four family $ 42,271 $ 28,152 SBA 6,289 1,240 HELOCs 76,425 47,785 Total $ 124,985 $ 77,177

Loans

Loans	3 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Loans	Loans and Allowance for Credit Losses on Loans Loans consist of the following at the dates indicated: September 30, 2020 June 30, Commercial loans: Commercial real estate $ 1,068,255 $ 1,052,906 Construction and development 216,757 215,934 Commercial and industrial 148,413 154,825 Equipment finance 250,813 229,239 Municipal finance 130,337 127,987 Paycheck Protection Program 80,816 80,697 Total commercial loans 1,895,391 1,861,588 Retail consumer loans: One-to-four family 459,285 473,693 HELOCs - originated 135,885 137,447 HELOCs - purchased 61,535 71,781 Construction and land/lots 78,799 81,859 Indirect auto finance 128,466 132,303 Consumer 10,035 10,259 Total retail consumer loans 874,005 907,342 Total loans 2,769,396 2,768,930 Deferred loan costs, net — 189 Total loans, net of deferred loan costs 2,769,396 2,769,119 Allowance for credit losses (43,132) (28,072) Loans, net $ 2,726,264 $ 2,741,047 All qualifying one-to-four family first mortgage loans, HELOCs, commercial real estate loans, and FHLB Stock are pledged as collateral by a blanket pledge to secure any outstanding FHLB advances. In accordance with the adoption of ASU 2016-13 The June 30, 2020 information in the above table reflects the loan portfolio prior to the adoption of ASU 2016-13. This information was reported as shown in the below tables under "Loans and Allowance for Loan Losses - Pre ASU 2016-13", with the acquired loans being net of earned income and of related discounts, which includes the credit discount on the acquired credit impaired loans. Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows: Pass —A pass rated asset is not adversely classified because it does not display any of the characteristics for adverse classification. Special Mention —A special mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification. Substandard —A substandard asset is inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged, if any. Assets classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These assets are characterized by the distinct possibility of loss if the deficiencies are not corrected. Doubtful —An asset classified doubtful has all the weaknesses inherent in an asset classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions, and values. Loss —Assets classified loss are considered uncollectible and of such little value that their continuing to be carried as an asset is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future. The following table presents the credit risk profile by risk grade for commercial loans by origination year: Term Loans By Origination Year September 30, 2020 2021 2020 2019 2018 2017 Prior Revolving Total Commercial real estate Risk rating: Pass $ 39,049 $ 178,905 $ 136,267 $ 205,282 $ 179,598 $ 244,649 $ 65,271 $ 1,049,021 Special mention — — — 1,300 4,419 3,134 149 9,002 Substandard — — — — 5,368 4,848 — 10,216 Doubtful — — — — — — — — Loss — 16 — — — — — 16 Total commercial real estate $ 39,049 $ 178,921 $ 136,267 $ 206,582 $ 189,385 $ 252,631 $ 65,420 $ 1,068,255 Construction and development Risk rating: Pass $ 4,304 $ 12,761 $ 19,144 $ 9,042 $ 2,481 $ 9,010 $ 158,838 $ 215,580 Special mention — — — — — 624 — 624 Substandard — — — — — 553 — 553 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and development $ 4,304 $ 12,761 $ 19,144 $ 9,042 $ 2,481 $ 10,187 $ 158,838 $ 216,757 Commercial and industrial Risk rating: Pass $ 7,657 $ 14,411 $ 23,496 $ 20,091 $ 19,799 $ 13,747 $ 28,483 $ 127,684 Special mention — — 1,116 — 9,624 193 9,494 20,427 Substandard — — — 133 65 104 — 302 Doubtful — — — — — — — — Loss — — — — — — — — Total commercial and industrial $ 7,657 $ 14,411 $ 24,612 $ 20,224 $ 29,488 $ 14,044 $ 37,977 $ 148,413 Equipment finance Risk rating: Pass $ 34,390 $ 131,227 $ 76,761 $ 7,057 $ — $ — $ — $ 249,435 Special mention — 131 406 — — — — 537 Substandard — 174 667 — — — — 841 Doubtful — — — — — — — — Loss — — — — — — — — Total equipment finance $ 34,390 $ 131,532 $ 77,834 $ 7,057 $ — $ — $ — $ 250,813 Municipal leases Risk rating: Pass $ — $ 21,521 $ 15,102 $ 20,487 $ 10,731 $ 58,216 $ 4,009 $ 130,066 Special mention — — — — — 271 — 271 Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total municipal leases $ — $ 21,521 $ 15,102 $ 20,487 $ 10,731 $ 58,487 $ 4,009 $ 130,337 Paycheck protection program Risk rating: Pass $ — $ 80,816 $ — $ — $ — $ — $ — $ 80,816 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total paycheck protection program $ — $ 80,816 $ — $ — $ — $ — $ — $ 80,816 Total commercial loans Risk rating: Pass $ 85,400 $ 439,641 $ 270,770 $ 261,959 $ 212,609 $ 325,622 $ 256,601 $ 1,852,602 Special mention — 131 1,522 1,300 14,043 4,222 9,643 30,861 Substandard — 174 667 133 5,433 5,505 — 11,912 Doubtful — — — — — — — — Loss — 16 — — — — — 16 Total commercial loans $ 85,400 $ 439,962 $ 272,959 $ 263,392 $ 232,085 $ 335,349 $ 266,244 $ 1,895,391 The following table presents the credit risk profile by risk grade for consumer loans by origination year: Term Loans By Origination Year September 30, 2020 2021 2020 2019 2018 2017 Prior Revolving Total One-to-four family Risk rating: Pass $ 20,156 $ 49,079 $ 66,389 $ 64,066 $ 51,948 $ 191,398 $ 4,700 $ 447,736 Special mention — — — — 29 2,017 — 2,046 Substandard — 1,008 — 219 206 7,868 — 9,301 Doubtful — — — — — 202 — 202 Loss — — — — — — — — Total one-to-four family $ 20,156 $ 50,087 $ 66,389 $ 64,285 $ 52,183 $ 201,485 $ 4,700 $ 459,285 HELOCs - originated Risk rating: Pass $ 1,021 $ 1,565 $ 1,638 $ 691 $ 751 $ 9,656 $ 117,713 $ 133,035 Special mention — — — — — 807 — 807 Substandard — — — — 39 1,800 204 2,043 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - originated $ 1,021 $ 1,565 $ 1,638 $ 691 $ 790 $ 12,263 $ 117,917 $ 135,885 HELOCs - purchased Risk rating: Pass $ — $ — $ — $ — $ — $ — $ 60,875 $ 60,875 Special mention — — — — — — — — Substandard — — — — — — 660 660 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - purchased $ — $ — $ — $ — $ — $ — $ 61,535 $ 61,535 Construction and land/lots Risk rating: Pass $ 103 $ 17,279 $ 5,105 $ 2,025 $ — $ 5,874 $ 47,790 $ 78,176 Special mention — — — — — — — — Substandard — — — 105 — 518 — 623 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and land/lots $ 103 $ 17,279 $ 5,105 $ 2,130 $ — $ 6,392 $ 47,790 $ 78,799 Indirect auto finance Risk rating: Pass $ 11,876 $ 38,790 $ 25,030 $ 30,623 $ 14,176 $ 6,446 $ — $ 126,941 Special mention — — — — — — — — Substandard — 121 405 565 255 179 — 1,525 Doubtful — — — — — — — — Loss — — — — — — — — Total indirect auto finance $ 11,876 $ 38,911 $ 25,435 $ 31,188 $ 14,431 $ 6,625 $ — $ 128,466 Total consumer loans Risk rating: Pass $ 563 $ 1,469 $ 6,432 $ 439 $ 202 $ 246 $ 369 $ 9,720 Special mention — — — 4 — — — 4 Substandard 223 18 11 18 6 25 10 311 Doubtful — — — — — — — — Loss — — — — — — — — Total consumer loans $ 786 $ 1,487 $ 6,443 $ 461 $ 208 $ 271 $ 379 $ 10,035 Total retail consumer loans Risk rating: Pass $ 33,719 $ 108,182 $ 104,594 $ 97,844 $ 67,077 $ 213,620 $ 231,447 $ 856,483 Special mention — — — 4 29 2,824 — 2,857 Substandard 223 1,147 416 907 506 10,390 874 14,463 Doubtful — — — — — 202 — 202 Loss — — — — — — — — Total retail consumer loans $ 33,942 $ 109,329 $ 105,010 $ 98,755 $ 67,612 $ 227,036 $ 232,321 $ 874,005 The following table presents the credit risk profile by risk grade for consumer and commercial loans, prior to the adoption of ASU 2016-13: Pass Special Substandard Doubtful Loss Total June 30, 2020 Commercial loans: Commercial real estate $ 1,028,709 $ 7,580 $ 10,779 $ — $ 16 $ 1,047,084 Construction and development 212,370 2,723 250 1 — 215,344 Commercial and industrial 130,202 20,439 2,622 — — 153,263 Equipment finance 228,288 150 801 — — 229,239 Municipal finance 127,706 281 — — — 127,987 Paycheck Protection Program 80,697 — — — — 80,697 Retail consumer loans: One-to-four family 458,248 1,724 9,042 206 — 469,220 HELOCs - originated 134,697 902 1,848 — — 137,447 HELOCs - purchased 71,119 — 662 — — 71,781 Construction and land/lots 81,112 — 402 — — 81,514 Indirect auto finance 130,975 — 1,328 — — 132,303 Consumer 9,894 4 361 — — 10,259 Total loans $ 2,694,017 $ 33,803 $ 28,095 $ 207 $ 16 $ 2,756,138 The following table presents the credit risk profile by risk grade for PCI consumer and commercial loans, prior to the adoption of ASU 2016-13: Pass Special Substandard Doubtful Loss Total June 30, 2020 Commercial loans: Commercial real estate $ 3,181 $ 1,742 $ 899 $ — $ — $ 5,822 Construction and development 271 — 319 — — 590 Commercial and industrial 1,556 — 3 — 3 1,562 Retail consumer loans: One-to-four family 2,994 465 1,014 — — 4,473 Construction and land/lots 108 — 237 — — 345 Total loans $ 8,110 $ 2,207 $ 2,472 $ — $ 3 $ 12,792 The following table presents an aging analysis of past due loans (includes nonaccrual loans) by segment and class: Past Due Total 30-89 Days 90 Days+ Total Current Loans September 30, 2020 Commercial loans: Commercial real estate $ — $ 2,108 $ 2,108 $ 1,066,147 $ 1,068,255 Construction and development — 361 361 216,396 216,757 Commercial and industrial 29 90 119 148,294 148,413 Equipment finance — 580 580 250,233 250,813 Municipal finance — — — 130,337 130,337 Paycheck Protection Program — — — 80,816 80,816 Retail consumer loans: One-to-four family 2,248 2,127 4,375 454,910 459,285 HELOCs - originated 297 384 681 135,204 135,885 HELOCs - purchased 145 47 192 61,343 61,535 Construction and land/lots — 249 249 78,550 78,799 Indirect auto finance 454 482 936 127,530 128,466 Consumer 227 33 260 9,775 10,035 Total loans $ 3,400 $ 6,461 $ 9,861 $ 2,759,535 $ 2,769,396 The following table presents an aging analysis of past due loans by segment and class, prior to the adoption of ASU 2016-13: Past Due Total 30-89 Days 90 Days+ Total Current Loans June 30, 2020 Commercial loans: Commercial real estate $ 4,528 $ 2,892 $ 7,420 $ 1,045,486 $ 1,052,906 Construction and development 293 341 634 215,300 215,934 Commercial and industrial — 91 91 154,734 154,825 Equipment finance 303 498 801 228,438 229,239 Municipal finance — — — 127,987 127,987 Paycheck Protection Program — — — 80,697 80,697 Retail consumer loans: One-to-four family 1,679 3,147 4,826 468,867 473,693 HELOCs - originated 442 310 752 136,695 137,447 HELOCs - purchased 214 47 261 71,520 71,781 Construction and land/lots — 252 252 81,607 81,859 Indirect auto finance 756 285 1,041 131,262 132,303 Consumer 30 25 55 10,204 10,259 Total loans $ 8,245 $ 7,888 $ 16,133 $ 2,752,797 $ 2,768,930 The following table presents recorded investment in loans on nonaccrual status, by segment and class, including restructured loans. It also includes interest income recognized on nonaccrual loans for the three months ended September 30, 2020. September 30, 2020 June 30, 2020 90 Days + & Nonaccrual with no allowance as of September 30, 2020 Interest income recognized Commercial loans: Commercial real estate $ 7,841 $ 8,869 $ — $ 4,665 $ 232 Construction and development 554 465 — 78 29 Commercial and industrial 250 259 — 26 38 Equipment finance 668 801 — 516 — Retail consumer loans: One-to-four family 2,746 3,582 — 784 99 HELOCs - originated 619 531 — — 34 HELOCs - purchased 660 662 — — 7 Construction and land/lots 249 37 — — 6 Indirect auto finance 797 668 — — 32 Consumer 36 49 — — 6 Total loans $ 14,420 $ 15,923 $ — $ 6,069 $ 483 The decrease in the nonaccrual balance in the above schedule, compared to June 30, 2020, is mainly due to one large commercial nonaccrual loan paying off partially offset by the addition of nonaccrual loans of $965 of PCI loans, formerly accounted for as credit impaired loans, prior to the adoption of ASU 2016-13. These loans were previously excluded from nonaccrual loans. The adoption of CECL resulted in the discontinuation of the pool-level accounting for acquired credit impaired loans and replaced it with loan-level evaluation for nonaccrual status. The following table presents an analysis of the ACL by segment: Three Months Ended September 30, 2020 Commercial Retail Total Balance at beginning of period $ 21,116 $ 6,956 $ 28,072 Impact of adoption ASU 2016-13 4,073 10,736 14,809 Provision for credit losses 292 658 950 Charge-offs (1,095) (682) (1,777) Recoveries 813 265 1,078 Net charge-offs (282) (417) (699) Balance at end of period $ 25,199 $ 17,933 $ 43,132 The following table presents an analysis of the allowance for loan losses by segment, prior to the adoption of ASU 2016-13: Three Months Ended September 30, 2019 PCI Commercial Retail Total Balance at beginning of period $ 201 $ 14,809 $ 6,419 $ 21,429 Provision for (recovery of) loan losses (7) 455 (448) — Charge-offs — (35) (395) (430) Recoveries — 163 152 315 Balance at end of period $ 194 $ 15,392 $ 5,728 $ 21,314 The following table presents ending balances of loans and the related ACL, by segment and class: Allowance for Credit Losses Total Loans Receivable Loans Loans Total Loans Loans Total September 30, 2020 Commercial loans: Commercial real estate $ 90 $ 11,915 $ 12,005 $ 6,552 $ 1,061,703 $ 1,068,255 Construction and development — 2,736 2,736 80 216,677 216,757 Commercial and industrial 16 3,564 3,580 839 147,574 148,413 Equipment finance 84 6,355 6,439 606 250,207 250,813 Municipal finance — 438 438 — 130,337 130,337 Paycheck Protection Program — — — — 80,816 80,816 Retail consumer loans: One-to-four family 16 9,953 9,969 3,269 456,016 459,285 HELOCs - originated — 2,016 2,016 — 135,885 135,885 HELOCs - purchased — 932 932 — 61,535 61,535 Construction and land/lots — 1,599 1,599 32 78,767 78,799 Indirect auto finance — 3,139 3,139 — 128,466 128,466 Consumer — 279 279 — 10,035 10,035 Total $ 206 $ 42,926 $ 43,132 $ 11,378 $ 2,758,018 $ 2,769,396 The following table presents ending balances of loans and the related allowance, by segment and class, prior to the adoption of ASU 2016-13: Allowance for Loan Losses Total Loans Receivable PCI Loans Loans Total PCI Loans Loans Total June 30, 2020 Commercial loans: Commercial real estate $ 113 $ 961 $ 10,731 $ 11,805 $ 5,822 $ 7,924 $ 1,039,160 $ 1,052,906 Construction and development 4 5 3,599 3,608 590 299 215,045 215,934 Commercial and industrial 15 31 2,153 2,199 1,562 852 152,411 154,825 Equipment finance — 209 2,598 2,807 — 801 228,438 229,239 Municipal finance — — 697 697 — — 127,987 127,987 Paycheck Protection Program — — — — — — 80,697 80,697 Retail consumer loans: One-to-four family 17 52 2,400 2,469 4,473 4,304 464,916 473,693 HELOCs - originated — — 1,344 1,344 — — 137,447 137,447 HELOCs - purchased — — 430 430 — — 71,781 71,781 Construction and land/lots 33 — 1,409 1,442 345 296 81,218 81,859 Indirect auto finance — — 1,136 1,136 — 10 132,293 132,303 Consumer — — 135 135 — — 10,259 10,259 Total $ 182 $ 1,258 $ 26,632 $ 28,072 $ 12,792 $ 14,486 $ 2,741,652 $ 2,768,930 Prior to the adoption of ASU 2016-13, loans acquired through acquisitions were initially excluded from the allowance for loan losses in accordance with the acquisition method of accounting for business combinations. The Company recorded these loans at fair value, which includes a credit discount, therefore, no allowance for loan losses was established for these acquired loans at acquisition. A provision for loan losses was recorded for any further deterioration in these acquired loans subsequent to the acquisition. The following table presents impaired loans and the related allowance, by segment and class, excluding PCI loans, prior to the adoption of ASU 2016-13: Total Impaired Loans Unpaid Recorded Recorded Total Related June 30, 2020 Commercial loans: Commercial real estate $ 10,401 $ 8,062 $ 1,068 $ 9,130 $ 976 Construction and development 1,785 818 80 898 11 Commercial and industrial 9,782 1,058 26 1,084 34 Equipment finance 2,631 303 498 801 209 Retail consumer loans: One-to-four family 16,560 10,805 3,374 14,179 412 HELOCs - originated 2,087 1,585 53 1,638 43 HELOCs - purchased 662 662 — 662 3 Construction and land/lots 1,585 749 296 1,045 13 Indirect auto finance 1,075 486 241 727 5 Consumer 297 38 27 65 2 Total impaired loans $ 46,865 $ 24,566 $ 5,663 $ 30,229 $ 1,708 The table above includes $15,743, of impaired loans that were not individually evaluated because these loans did not meet the Company's threshold for individual impairment evaluation. The recorded allowance above includes $450 related to these loans that were not individually evaluated. The following table present average recorded investments in impaired loans and interest income recognized on impaired loans, prior to the adoption of ASU 2016-13: Three Months Ended September 30, 2019 Average Interest Commercial loans: Commercial real estate $ 9,614 $ 77 Construction and development 1,686 14 Commercial and industrial 734 10 Equipment finance 703 8 Retail consumer loans: One-to-four family 15,338 206 HELOCs - originated 1,873 29 HELOCs - purchased 571 3 Construction and land/lots 1,195 24 Indirect auto finance 448 5 Consumer 47 3 Total loans $ 32,209 $ 379 The following table presents a summary of changes in the accretable yield for PCI loans, prior to the adoption of ASU 2016-13: Three Months Ended September 30, 2019 Accretable yield, beginning of period $ 5,259 Reclass from nonaccretable yield (1) 115 Other changes, net (2) (14) Interest income (444) Accretable yield, end of period $ 4,916 ______________________________________ (1) Represents changes attributable to expected loss assumptions. (2) Represents changes in cash flows expected to be collected due to the impact of modifications, changes in prepayment assumptions, and changes in interest rates. In estimating ECL, ASC 326 prescribes that if foreclosure is probable, a CDA is required to be measured at the fair value of collateral, but as a practical expedient, if foreclosure is not probable, fair value measurement is optional. For those CDA loans measured at the fair value of collateral, a credit loss expense is recorded for loan amounts in excess of fair value. The following table provides a breakdown between loans identified as CDAs and non-CDAs, by segment and class, and securing collateral, as well as collateral coverage for those loans at September 30, 2020: Type of Collateral and Extent to Which Collateral Secures Financial Assets Residential Property Investment Property Commercial Property Business Assets Other Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,798 $ 2,468 $ — $ — $ 1,061,989 1,068,255 Construction and development — 78 — — — 216,679 216,757 Commercial and industrial — — — 25 — 148,388 148,413 Equipment finance — — — 516 — 250,297 250,813 Municipal finance — — — — — 130,337 130,337 Paycheck Protection Program — — — — — 80,816 80,816 Retail consumer loans: One-to-four family 1,085 — — — — 458,200 459,285 HELOCs - originated — — — — — 135,885 135,885 HELOCs - purchased — — — — — 61,535 61,535 Construction and land/lots — — — — — 78,799 78,799 Indirect auto finance — — — — — 128,466 128,466 Consumer — — — — — 10,035 10,035 Total $ 1,085 $ 3,876 $ 2,468 $ 541 $ — $ 2,761,426 $ 2,769,396 Total Collateral Value $ 1,205 $ 3,924 $ 2,732 $ 565 $ — For the three months ended September 30, 2020 and 2019, the following table presents a breakdown of the types of concessions made on TDRs by loan class: Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Number Pre Post Number Pre Post Extended payment terms: Retail consumer: One-to-four family — $ — $ — 1 $ 14 $ 14 Other TDRs: Commercial: Commercial and industrial 1 4,407 3,800 — — — Retail consumer: One-to-four family — — — 3 35 34 Indirect auto finance 6 105 78 4 68 65 Total 7 $ 4,512 $ 3,878 8 $ 117 $ 113 Other TDRs include TDRs that have a below market interest rate and extended payment terms. The Company does not typically forgive principal when restructuring troubled debt. The following table presents loans that were modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended September 30, 2020 and 2019: Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Number of Recorded Number of Recorded Other TDRs: Retail consumer: One-to-four family — $ — 2 $ 122 Indirect auto finance 1 11 — — Consumer — — 1 2 Total 1 $ 11 3 $ 124 In the determination of the ACL, management considers TDRs for all loan classes, and the subsequent nonperformance in accordance with their modified terms, by measuring impairment on a loan-by-loan basis based on either the value of the loan's expected future cash flows discounted at the loan's original effective interest rate or on the collateral value, net of the estimated costs of disposal, if the loan is collateral dependent. Off-Balance-Sheet Credit Exposure The Company maintains a separate reserve for credit losses from off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the consolidated balance sheets. The reserve for credit losses on off-balance-sheet credit exposures is adjusted as a provision for credit losses in the consolidated statements of income. The estimate includes consideration of the likelihood that funding will occur and an estimate of ECLs on commitments expected to be funded over its estimated life, utilizing the same models and approaches for the Company's other loan portfolio segments described above, as these unfunded commitments share similar risk characteristics as our loan portfolio segments. The Company has identified the unfunded portion of certain lines of credit as unconditionally cancellable credit exposures, meaning the Company can cancel the unfunded commitment at any time. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company or for undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. At September 30, 2020, the liability for credit losses on off-balance-sheet credit exposures included in other liabilities was $2,288. Modifications in response to COVID-19 Beginning in March 2020, the Company began offering short-term loan modifications to assist borrowers during the COVID-19 pandemic. The CARES Act along with a joint agency statement issued by banking agencies and confirmed by FASB staff that short-term modifications made in response to COVID-19 are not TDRs. Accordingly, the Company does not account for such loan modifications as TDRs. As of September 30, 2020, modifications totaling $1,106 and $90,138 had been granted in retail consumer loans and commercial loans, respectively. The Bank is offering payment and financial relief programs for borrowers impacted by COVID-19. These programs include loan payment deferrals for up to 90 days (which can be renewed for another 90 days under certain circumstances) waived late fees, and suspension of foreclosure proceedings and repossessions. Since March, we have received numerous requests from borrowers for some type of payment relief; however, the majority of these payment deferrals have ended and borrowers are again making regular loan payments. The breakout of loans deferred by loan type as of the dates indicated is as follows: Payment Deferrals by Loan Types (1) September 30, 2020 August 31, 2020 June 30, 2020 Deferral Percent of Total Loan Portfolio Deferral Percent of Total Loan Portfolio Deferral Percent of Total Loan Portfolio Lodging $ 60,782 2.2 % $ 64,686 2.4 % $ 108,171 4.0 % Other commercial real estate, construction and development, and commercial and industrial 27,169 1.0 43,056 1.6 367,443 13.7 Equipment finance 2,187 0.1 4,547 0.2 33,693 1.3 One-to-four family 684 — 2,360 0.1 36,821 1.4 Other consumer loans 422 — 589 — 5,203 0.2 Total $ 91,244 3.3 % $ 115,238 4.3 % $ 551,331 20.6 % __________________________ (1) Modified loans are not included in classified assets or nonperforming assets.

Real Estate Owned

Real Estate Owned	3 Months Ended
	Sep. 30, 2020
Real Estate Owned [Abstract]
Real Estate Owned	Real Estate Owned The activity within REO for the periods shown is as follows: Three Months Ended September 30, 2020 2019 Balance at beginning of period $ 337 $ 2,929 Transfers from loans — 46 Sales, net of gain or loss (193) (381) Writedowns — (12) Balance at end of period $ 144 $ 2,582 At September 30, 2020 and June 30, 2020, the Bank had $0 and $97, respectively, of foreclosed residential real estate property in REO. The recorded investment in consumer mortgage loans collateralized by residential real estate in the process of foreclosure totaled $555 and $1,318 at September 30, 2020 and June 30, 2020, respectively.

Net Income per Share

Net Income per Share	3 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Net Income per Share	Net Income per Share The following is a reconciliation of the numerator and denominator of basic and diluted net income per share of common stock as of the dates indicated: Three Months Ended September 30, 2020 2019 Numerator: Net income $ 5,753 $ 8,804 Allocation of earnings to participating securities (50) (68) Numerator for basic EPS - Net income available to common stockholders $ 5,703 $ 8,736 Effect of dilutive securities: Dilutive effect to participating securities 6 8 Numerator for diluted EPS $ 5,709 $ 8,744 Denominator: Weighted-average common shares outstanding - basic 16,230,990 17,097,647 Effect of dilutive shares 238,252 656,010 Weighted-average common shares outstanding - diluted 16,469,242 17,753,657 Net income per share - basic $ 0.35 $ 0.51 Net income per share - diluted $ 0.35 $ 0.49

Equity Incentive Plan

Equity Incentive Plan	3 Months Ended
	Sep. 30, 2020
Share-based Payment Arrangement [Abstract]
Equity Incentive Plan	Equity Incentive Plan The Company provides stock-based awards through the 2013 Omnibus Incentive Plan, which provides for awards of restricted stock, restricted stock units, stock options, stock appreciation rights and cash awards to directors, directors emeritus, officers, employees and advisory directors. The cost of equity-based awards under the 2013 Omnibus Incentive Plan generally is based on the fair value of the awards on their grant date. The maximum number of shares that may be utilized for awards under the plan is 2,962,400, including 2,116,000 for stock options and stock appreciation rights and 846,400 for awards of restricted stock and restricted stock units. Shares of common stock issued under the 2013 Omnibus Incentive Plan may be authorized but unissued shares or, in the case of restricted stock awards, may be repurchased shares. The table below presents share-based compensation expense and the estimated related tax benefit for stock options and restricted stock for the three months ended September 30, 2020 and 2019, respectively: Three Months Ended September 30, 2020 2019 Share-based compensation expense $ 506 $ 443 Tax benefit $ 119 $ 104 The table below presents stock option activity for the three months ended September 30, 2020 and 2019: Options Weighted- Remaining Aggregate Options outstanding at June 30, 2019 1,657,214 $ 17.59 5.0 $ 12,909 Granted 25,000 25.37 — — Exercised 13,400 14.50 — — Forfeited 800 17.35 — — Options outstanding at September 30, 2019 1,668,014 $ 17.73 4.9 $ 13,969 Exercisable at September 30, 2019 1,266,214 $ 15.40 3.8 $ 13,509 Non-vested at September 30, 2019 401,800 $ 25.07 8.1 $ 460 Options outstanding at June 30, 2020 1,615,500 $ 18.12 4.4 $ 1,711 Forfeited 200 24.95 — — Options outstanding at September 30, 2020 1,615,300 $ 18.12 4.1 $ — Exercisable at September 30, 2020 1,303,000 $ 16.31 3.3 $ — Non-vested at September 30, 2020 312,300 $ 25.68 7.6 $ — There were no options granted during the three months ended September 30, 2020. Assumptions used in estimating the fair value of options granted during the three months ended September 30, 2019 are presented below: September 30, 2019 Weighted-average volatility 17.84 % Expected dividend yield 0.95 % Risk-free interest rate 1.55 % Expected life (years) 6.5 Weighted-average fair value of options granted $ 4.67 At September 30, 2020, the Company had $1,535 of unrecognized compensation expense related to 312,300 stock options originally scheduled to vest over a five-year vesting period. The weighted average period over which compensation cost related to non-vested awards expected to be recognized was 1.5 years at September 30, 2020. At September 30, 2019, the Company had $2,052 of unrecognized compensation expense related to 401,800 stock options originally scheduled to vest over five The table below presents restricted stock award activity for the three months ended September 30, 2020 and 2019: Restricted Weighted- Aggregate Non-vested at June 30, 2019 123,800 $ 24.65 $ 2,258 Granted 13,000 25.37 — Vested 400 19.02 — Forfeited 3,200 20.62 — Non-vested at September 30, 2019 133,200 $ 24.83 $ 2,256 Non-vested at June 30, 2020 144,046 $ 25.89 $ 2,305 Vested 2,600 25.37 — Forfeited 200 24.95 — Non-vested at September 30, 2020 141,246 $ 25.90 $ 1,918 The table above includes nonvested performance-based restrictive stock units totaling 16,440 and 10,375 at September 30, 2020 and 2019, respectively. Each issuance of these stock units are scheduled to vest over 3.0 years assuming certain performance metrics are met. At September 30, 2020, unrecognized compensation expense was $2,715 related to 141,246 shares of restricted stock originally scheduled to vest over three three five

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Sep. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Loan Commitments – Legally binding commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. In the normal course of business, there are various outstanding commitments to extend credit that are not reflected in the consolidated financial statements. At September 30, 2020 and June 30, 2020, respectively, loan commitments (excluding $130,561 and $141,557 of undisbursed portions of construction loans) totaled $104,441 and $57,798 of which $31,266 and $10,678 were variable rate commitments and $73,175 and $47,120 were fixed rate commitments. The fixed rate loans had interest rates ranging from 1.09% to 8.28% at September 30, 2020 and 1.74% to 8.54% at June 30, 2020, and terms ranging from three The Company grants construction and permanent loans collateralized primarily by residential and commercial real estate to customers throughout its primary market areas. In addition, the Company grants equipment financing throughout the eastern United States and municipal financing to customers throughout North and South Carolina. The Company’s loan portfolio can be affected by the general economic conditions within these market areas. Management believes that the Company has no significant concentration of credit in the loan portfolio. Restrictions on Cash – In response to COVID-19, the FRB reduced the reserve requirements to zero on March 15, 2020. Prior to this change the Bank was required by regulation to maintain a varying cash reserve balance with the FRB. Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower's failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of September 30, 2020 and June 30, 2020 were $7,768 and $7,766, respectively. There was no liability recorded for these letters of credit at September 30, 2020 or June 30, 2020, respectively. Litigation – From time to time, t he Company is involved in litigation matters in the ordinary course of business. These proceedings and the associated legal claims are often contested, and the outcome of individual matters is not always predictable. These claims and counter claims typically arise during the course of collection efforts on problem loans or with respect to actions to enforce liens on properties in which the Company holds a security interest. The Company is not a party to any pending legal proceedings that management believes would have a material adverse effect on the Company’s financial condition or results of operations .

Fair Value of Financial Instrum

Fair Value of Financial Instruments	3 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Fair Value of Financial Instruments The Company utilizes fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Securities available for sale are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such as impaired loans. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets. The fair value of financial instruments presented in this note are based on the same methodology as presented in Note 21 of the Notes to Consolidated Financial Statements contained in the Company’s 2020 Form 10-K. Fair Value Hierarchy The Company groups assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are: Level 1: Valuation is based upon quoted prices for identical instruments traded in active markets. Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3: Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. Following is a description of valuation methodologies used for assets recorded at fair value. The Company does not have any liabilities recorded at fair value. Investment Securities Available for Sale Securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities and debentures issued by government sponsored enterprises, municipal bonds, and corporate debt securities. The Company has no Level 3 securities. Individually Evaluated Loans The Company does not record loans at fair value on a recurring basis. From time to time, however, a loan is individually evaluated and an allowance for credit loss is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are individually evaluated. Once a loan is identified, the fair value is estimated using one of two ways, which include collateral value and discounted cash flows. The Company reviews all individually evaluated loans each quarter to determine if an allowance is necessary. Those individually evaluated loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Loans are considered collateral dependent if repayment is expected solely from the collateral. For these collateral dependent loans, the Company obtains updated appraisals at least annually. These appraisals are reviewed for appropriateness and then discounted for estimated closing costs to determine if an allowance is necessary. As part of the quarterly review of individually evaluated loans, the Company reviews these appraisals to determine if any additional discounts to the fair value are necessary. If a current appraisal is not obtained, the Company determines whether a discount is needed to the value from the original appraisal based on the decline in value of similar properties with recent appraisals. For loans that are not collateral dependent, estimated fair value is based on the present value of expected future cash flows using the interest rate implicit in the original agreement. Impaired loans where a charge-off has occurred or an allowance is established during the period being reported require classification in the fair value hierarchy. The Company records such loans as a nonrecurring Level 3 in the fair value hierarchy. Loans Held for Sale Loans held for sale are adjusted to lower of cost or fair value. Fair value is based on commitments on hand from investors or, if commitments have not yet been obtained, what investors are currently offering for loans with similar characteristics. The Company considers all loans held for sale carried at fair value as nonrecurring Level 3. Real Estate Owned REO is considered held for sale and is adjusted to fair value less estimated selling costs upon transfer of the loan to foreclosed assets. Fair value is based upon independent market prices, appraised value of the collateral or management's estimation of the value of the collateral. The Company considers all REO that has been charged off or received an allowance during the period as nonrecurring Level 3. Financial Assets Recorded at Fair Value on a Recurring Basis The following table presents financial assets measured at fair value on a recurring basis at the dates indicated: September 30, 2020 Description Total Level 1 Level 2 Level 3 U.S Government Agencies $ 4,164 $ — $ 4,164 $ — Residential MBS of U.S. Government Agencies and GSEs 44,181 — 44,181 — Municipal Bonds 14,841 — 14,841 — Corporate Bonds 32,973 — 32,973 — Total $ 96,159 $ — $ 96,159 $ — June 30, 2020 Description Total Level 1 Level 2 Level 3 U.S Government Agencies $ 4,173 $ — $ 4,173 $ — Residential MBS of U.S. Government Agencies and GSEs 48,335 — 48,335 — Municipal Bonds 16,631 — 16,631 — Corporate Bonds 58,378 — 58,378 — Total $ 127,517 $ — $ 127,517 $ — There were no transfers between levels during the three months ended September 30, 2020. The following table presents financial assets measured at fair value on a non-recurring basis at the dates indicated: September 30, 2020 Description Total Level 1 Level 2 Level 3 Individually evaluated loans $ 5,150 $ — $ — $ 5,150 June 30, 2020 Description Total Level 1 Level 2 Level 3 Individually evaluated loans $ 9,168 $ — $ — $ 9,168 REO 97 — — 97 Total $ 9,265 $ — $ — $ 9,265 Quantitative information about Level 3 fair value measurements during the period ended September 30, 2020 is shown in the table below: Nonrecurring measurements: Fair Value at September 30, 2020 Valuation Unobservable Range Weighted Individually evaluated loans $ 5,150 Discounted appraisals and discounted cash flows Collateral discounts 0% - 63% 2% - 3% 12% The stated carrying value and estimated fair value amounts of financial instruments as of September 30, 2020 and June 30, 2020, are summarized below: September 30, 2020 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and interest-bearing deposits $ 171,144 $ 171,144 $ 171,144 $ — $ — Commercial paper 204,867 204,867 204,867 — — Certificates of deposit in other banks 52,361 52,361 — 52,361 — Securities available for sale 96,159 96,159 — 96,159 — Loans, net 2,726,264 2,688,377 — — 2,688,377 Loans held for sale 124,985 126,670 — — 126,670 FHLB stock 23,309 23,309 23,309 — — FRB stock 7,371 7,371 7,371 — — SBIC investments 8,269 8,269 — — 8,269 Accrued interest receivable 10,648 10,648 — 789 9,859 Liabilities: Noninterest-bearing and NOW deposits 1,067,125 1,067,125 — 1,067,125 — Money market accounts 826,970 826,970 — 826,970 — Savings accounts 202,787 202,787 — 202,787 — Certificates of deposit 645,164 649,685 — 649,685 — Borrowings 475,000 490,822 — 490,822 — Accrued interest payable 719 719 — 719 — June 30, 2020 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and interest-bearing deposits $ 121,622 $ 121,622 $ 121,622 $ — $ — Commercial paper 304,967 304,967 304,967 — — Certificates of deposit in other banks 55,689 55,689 — 55,689 — Securities available for sale 127,537 127,537 — 127,537 — Loans, net 2,741,047 2,692,265 — — 2,692,265 Loans held for sale 77,177 78,129 — — 78,129 FHLB stock 23,309 23,309 23,309 — — FRB stock 7,368 7,368 7,368 — — SBIC investments 8,269 8,269 — — 8,269 Accrued interest receivable 12,312 12,312 208 744 11,360 Liabilities: Noninterest-bearing and NOW deposits 1,012,200 1,012,200 — 1,012,200 — Money market accounts 836,738 836,738 — 836,738 — Savings accounts 197,676 197,676 — 197,676 — Certificates of deposit 739,142 745,078 — 745,078 — Borrowings 475,000 511,529 — 511,529 — Accrued interest payable 1,087 1,087 — 1,087 — The Company had off-balance sheet financial commitments, which included approximately $631,469 and $598,136 of commitments to originate loans, undisbursed portions of interim construction loans, and unused lines of credit at September 30, 2020 and June 30, 2020, respectively (see Note 10). Since these commitments are based on current rates, the carrying amount approximates the fair value. Estimated fair values were determined using the following methods and assumptions: Cash and interest-bearing deposits – The stated amounts approximate fair values as maturities are less than 90 days. Commercial paper – The stated amounts approximate fair value due to the short-term nature of these investments. Certificates of deposit in other banks – The stated amounts approximate fair values. Securities available for sale – Fair values are based on quoted market prices where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments. Loans held for sale – The fair value of mortgage loans held for sale is determined by outstanding commitments from investors on a "best efforts" basis or current investor yield requirements, calculated on the aggregate loan basis. The fair value of SBA loans and HELOCs held for sale is based on what investors are currently offering for loans with similar characteristics. Loans, net – Fair values for loans are estimated by segregating the portfolio by type of loan and discounting scheduled cash flows using current market interest rates for loans with similar terms and credit quality. A prepayment assumption is used as an estimate of the portion of loans that will be repaid prior to their scheduled maturity. A liquidity premium assumption is used as an estimate for the additional return required by an investor of assets that are potentially considered illiquid. FHLB and FRB stock – No ready market exists for these stocks and they have no quoted market value. However, redemptions of these securities have historically been at par value. Accordingly, cost is deemed to be a reasonable estimate of fair value. SBIC investments – No ready market exists for these investments and they have no quoted market value. SBIC investments are valued at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions of identical or similar investments. Accordingly, cost is deemed to be a reasonable estimate of fair value. Deposits – Fair values for demand deposits, money market accounts, and savings accounts are the amounts payable on demand. The fair value of certificates of deposit is estimated by discounting the contractual cash flows using current market interest rates for accounts with similar maturities. Borrowings – The fair value of advances from the FHLB is estimated based on current rates for borrowings with similar terms. Accrued interest receivable and payable – The stated amounts of accrued interest receivable and payable approximate the fair value. Limitations – Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on-and-off balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, a significant asset not considered a financial asset is premises and equipment. In addition, tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.

Leases

Leases	3 Months Ended
	Sep. 30, 2020
Leases [Abstract]
Leases	Leases As Lessee - Operating Leases Company operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at our sole discretion. When it is reasonably certain that we will exercise our option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. At September 30, 2020, we did not have any leases that had not yet commenced for which we had created a ROU asset and a lease liability. Our lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of our lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on our Consolidated Balance Sheets; we recognize lease expenses for these leases over the lease term. The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: September 30, 2020 June 30, 2020 ROU assets $ 4,827 $ 4,601 Lease liabilities 4,824 4,590 Weighted-average remaining lease terms 4.79 5.02 Weighted-average discount rate 2.81 % 2.97 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 987 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 5,195 The following table presents components of operating lease expense for the three months ended September 30, 2020 and 2019: 2020 2019 Operating lease cost (included in occupancy expense) $ 439 $ 473 Sublease income (included in other, net noninterest income) (61) (64) Total operating lease expense, net 378 409 As Lessee - Finance Lease The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at September 30, 2020 and June 30, 2020 and is included in other assets. The corresponding lease liability totaled $1,833 and $1,843 at September 30, 2020 and June 30, 2020, respectively, and is included in other liabilities. For the three months ended September 30, 2020 and 2019, interest expense on the lease liability totaled $24 and $24, respectively. The finance lease has a maturity date of July 2028 and a discount rate of 5.18%. The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 100 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,507 Less: amount representing interest (674) Present value of net minimum lease payments $ 1,833 Supplemental lease cash flow information for the three months ended September 30, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 533 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 524 558 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 33 33 As Lessor - General The Company leases equipment to commercial end users under operating and finance lease arrangements. Our equipment finance leases consist mainly of transportation, medical, and agricultural equipment. Many of our operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. Our leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease. As Lessor - Operating Leases Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from 1 to 5 years. Assets related to operating leases are included in other assets and the corresponding depreciation expense is recorded on a straight-line basis as a component of other noninterest expense. The net book value of leased assets totaled $22,540 and $21,595 with a residual value of $10,971 and $12,370 as of September 30, 2020 and June 30, 2020, respectively. For the three months ended September 30, 2020 and 2019, total equipment finance operating lease income totaled $1,325 and $568, respectively. For the three months ended September 30, 2020 and 2019, depreciation expense totaled $1,541 and $350, respectively. The following schedule summarizes aggregate future minimum operating lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 5,295 2022 4,002 2023 2,366 2024 709 2025 180 Thereafter 13 Total of future minimum payments $ 12,565 As Lessor - Finance Leases Finance lease income is recognized as a component of loan interest income over the lease term. The finance leases are included as a component of the equipment finance class of financing receivables under the commercial loan segment. For the three months ended September 30, 2020 and 2019, total interest income on equipment finance leases totaled $530 and $319, respectively. The following table presents components of finance lease net investment included within equipment finance class of financing receivables: September 30, 2020 June 30, 2020 Lease receivables $ 48,358 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 9,457 2022 12,324 2023 12,084 2024 10,385 2025 7,195 Thereafter 1,676 Total minimum payments 53,121 Less: amount representing interest (4,763) Total $ 48,358
Leases	Leases As Lessee - Operating Leases Company operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at our sole discretion. When it is reasonably certain that we will exercise our option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. At September 30, 2020, we did not have any leases that had not yet commenced for which we had created a ROU asset and a lease liability. Our lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of our lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on our Consolidated Balance Sheets; we recognize lease expenses for these leases over the lease term. The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: September 30, 2020 June 30, 2020 ROU assets $ 4,827 $ 4,601 Lease liabilities 4,824 4,590 Weighted-average remaining lease terms 4.79 5.02 Weighted-average discount rate 2.81 % 2.97 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 987 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 5,195 The following table presents components of operating lease expense for the three months ended September 30, 2020 and 2019: 2020 2019 Operating lease cost (included in occupancy expense) $ 439 $ 473 Sublease income (included in other, net noninterest income) (61) (64) Total operating lease expense, net 378 409 As Lessee - Finance Lease The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at September 30, 2020 and June 30, 2020 and is included in other assets. The corresponding lease liability totaled $1,833 and $1,843 at September 30, 2020 and June 30, 2020, respectively, and is included in other liabilities. For the three months ended September 30, 2020 and 2019, interest expense on the lease liability totaled $24 and $24, respectively. The finance lease has a maturity date of July 2028 and a discount rate of 5.18%. The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 100 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,507 Less: amount representing interest (674) Present value of net minimum lease payments $ 1,833 Supplemental lease cash flow information for the three months ended September 30, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 533 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 524 558 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 33 33 As Lessor - General The Company leases equipment to commercial end users under operating and finance lease arrangements. Our equipment finance leases consist mainly of transportation, medical, and agricultural equipment. Many of our operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. Our leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease. As Lessor - Operating Leases Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from 1 to 5 years. Assets related to operating leases are included in other assets and the corresponding depreciation expense is recorded on a straight-line basis as a component of other noninterest expense. The net book value of leased assets totaled $22,540 and $21,595 with a residual value of $10,971 and $12,370 as of September 30, 2020 and June 30, 2020, respectively. For the three months ended September 30, 2020 and 2019, total equipment finance operating lease income totaled $1,325 and $568, respectively. For the three months ended September 30, 2020 and 2019, depreciation expense totaled $1,541 and $350, respectively. The following schedule summarizes aggregate future minimum operating lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 5,295 2022 4,002 2023 2,366 2024 709 2025 180 Thereafter 13 Total of future minimum payments $ 12,565 As Lessor - Finance Leases Finance lease income is recognized as a component of loan interest income over the lease term. The finance leases are included as a component of the equipment finance class of financing receivables under the commercial loan segment. For the three months ended September 30, 2020 and 2019, total interest income on equipment finance leases totaled $530 and $319, respectively. The following table presents components of finance lease net investment included within equipment finance class of financing receivables: September 30, 2020 June 30, 2020 Lease receivables $ 48,358 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 9,457 2022 12,324 2023 12,084 2024 10,385 2025 7,195 Thereafter 1,676 Total minimum payments 53,121 Less: amount representing interest (4,763) Total $ 48,358
Leases	Leases As Lessee - Operating Leases Company operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at our sole discretion. When it is reasonably certain that we will exercise our option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. At September 30, 2020, we did not have any leases that had not yet commenced for which we had created a ROU asset and a lease liability. Our lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of our lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on our Consolidated Balance Sheets; we recognize lease expenses for these leases over the lease term. The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: September 30, 2020 June 30, 2020 ROU assets $ 4,827 $ 4,601 Lease liabilities 4,824 4,590 Weighted-average remaining lease terms 4.79 5.02 Weighted-average discount rate 2.81 % 2.97 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 987 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 5,195 The following table presents components of operating lease expense for the three months ended September 30, 2020 and 2019: 2020 2019 Operating lease cost (included in occupancy expense) $ 439 $ 473 Sublease income (included in other, net noninterest income) (61) (64) Total operating lease expense, net 378 409 As Lessee - Finance Lease The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at September 30, 2020 and June 30, 2020 and is included in other assets. The corresponding lease liability totaled $1,833 and $1,843 at September 30, 2020 and June 30, 2020, respectively, and is included in other liabilities. For the three months ended September 30, 2020 and 2019, interest expense on the lease liability totaled $24 and $24, respectively. The finance lease has a maturity date of July 2028 and a discount rate of 5.18%. The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 100 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,507 Less: amount representing interest (674) Present value of net minimum lease payments $ 1,833 Supplemental lease cash flow information for the three months ended September 30, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 533 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 524 558 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 33 33 As Lessor - General The Company leases equipment to commercial end users under operating and finance lease arrangements. Our equipment finance leases consist mainly of transportation, medical, and agricultural equipment. Many of our operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. Our leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease. As Lessor - Operating Leases Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from 1 to 5 years. Assets related to operating leases are included in other assets and the corresponding depreciation expense is recorded on a straight-line basis as a component of other noninterest expense. The net book value of leased assets totaled $22,540 and $21,595 with a residual value of $10,971 and $12,370 as of September 30, 2020 and June 30, 2020, respectively. For the three months ended September 30, 2020 and 2019, total equipment finance operating lease income totaled $1,325 and $568, respectively. For the three months ended September 30, 2020 and 2019, depreciation expense totaled $1,541 and $350, respectively. The following schedule summarizes aggregate future minimum operating lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 5,295 2022 4,002 2023 2,366 2024 709 2025 180 Thereafter 13 Total of future minimum payments $ 12,565 As Lessor - Finance Leases Finance lease income is recognized as a component of loan interest income over the lease term. The finance leases are included as a component of the equipment finance class of financing receivables under the commercial loan segment. For the three months ended September 30, 2020 and 2019, total interest income on equipment finance leases totaled $530 and $319, respectively. The following table presents components of finance lease net investment included within equipment finance class of financing receivables: September 30, 2020 June 30, 2020 Lease receivables $ 48,358 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 9,457 2022 12,324 2023 12,084 2024 10,385 2025 7,195 Thereafter 1,676 Total minimum payments 53,121 Less: amount representing interest (4,763) Total $ 48,358
Leases	Leases As Lessee - Operating Leases Company operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at our sole discretion. When it is reasonably certain that we will exercise our option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. At September 30, 2020, we did not have any leases that had not yet commenced for which we had created a ROU asset and a lease liability. Our lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of our lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on our Consolidated Balance Sheets; we recognize lease expenses for these leases over the lease term. The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: September 30, 2020 June 30, 2020 ROU assets $ 4,827 $ 4,601 Lease liabilities 4,824 4,590 Weighted-average remaining lease terms 4.79 5.02 Weighted-average discount rate 2.81 % 2.97 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 987 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 5,195 The following table presents components of operating lease expense for the three months ended September 30, 2020 and 2019: 2020 2019 Operating lease cost (included in occupancy expense) $ 439 $ 473 Sublease income (included in other, net noninterest income) (61) (64) Total operating lease expense, net 378 409 As Lessee - Finance Lease The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at September 30, 2020 and June 30, 2020 and is included in other assets. The corresponding lease liability totaled $1,833 and $1,843 at September 30, 2020 and June 30, 2020, respectively, and is included in other liabilities. For the three months ended September 30, 2020 and 2019, interest expense on the lease liability totaled $24 and $24, respectively. The finance lease has a maturity date of July 2028 and a discount rate of 5.18%. The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 100 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,507 Less: amount representing interest (674) Present value of net minimum lease payments $ 1,833 Supplemental lease cash flow information for the three months ended September 30, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 533 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 524 558 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 33 33 As Lessor - General The Company leases equipment to commercial end users under operating and finance lease arrangements. Our equipment finance leases consist mainly of transportation, medical, and agricultural equipment. Many of our operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. Our leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease. As Lessor - Operating Leases Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from 1 to 5 years. Assets related to operating leases are included in other assets and the corresponding depreciation expense is recorded on a straight-line basis as a component of other noninterest expense. The net book value of leased assets totaled $22,540 and $21,595 with a residual value of $10,971 and $12,370 as of September 30, 2020 and June 30, 2020, respectively. For the three months ended September 30, 2020 and 2019, total equipment finance operating lease income totaled $1,325 and $568, respectively. For the three months ended September 30, 2020 and 2019, depreciation expense totaled $1,541 and $350, respectively. The following schedule summarizes aggregate future minimum operating lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 5,295 2022 4,002 2023 2,366 2024 709 2025 180 Thereafter 13 Total of future minimum payments $ 12,565 As Lessor - Finance Leases Finance lease income is recognized as a component of loan interest income over the lease term. The finance leases are included as a component of the equipment finance class of financing receivables under the commercial loan segment. For the three months ended September 30, 2020 and 2019, total interest income on equipment finance leases totaled $530 and $319, respectively. The following table presents components of finance lease net investment included within equipment finance class of financing receivables: September 30, 2020 June 30, 2020 Lease receivables $ 48,358 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 9,457 2022 12,324 2023 12,084 2024 10,385 2025 7,195 Thereafter 1,676 Total minimum payments 53,121 Less: amount representing interest (4,763) Total $ 48,358

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Basis of Accounting	The accompanying unaudited consolidated financial statements have been prepared in accordance with GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended June 30, 2020 ("2020 Form 10-K") filed with the SEC on September 11, 2020. The results of operations for the three months ended September 30, 2020 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2021.
Use of Estimates	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions, and other subjective assessments. In particular, management has identified several accounting policies that, due to the judgments, estimates and assumptions inherent in those policies, are critical to an understanding of the Company's financial statements. These policies relate to (i) the determination of the provision and the allowance for credit losses on loans and (ii) the valuation of goodwill and other intangible assets. These policies and judgments, estimates and assumptions are described in greater detail in notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in the Company's 2020 Form 10-K. Management believes that the judgments, estimates and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to these critical accounting policies, the use of other judgments, estimates and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on these estimates and the Company's financial condition and operating results in future periods.
Adoption of CECL Standard	Adoption of CECL standard On July 1, 2020, the Company adopted ASU No. 2016-13, "Financial Instruments-Credit Losses ("Topic 326"): Measurement of Credit Losses on Financial Instruments" , sometimes referred to herein as ASU 2016-13. Topic 326 was subsequently amended by ASU No. 2019-11, Codification Improvements to Topic 326, Financial Instruments-Credit Losses; ASU No. 2019-05, Codification Improvements to Topic 326, Financial Instruments-Credit Losses; and ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This standard applies to all financial assets measured at amortized cost and off balance sheet credit exposures, including loans, investment securities and unfunded commitments. The Company applied the standard’s provisions using the modified retrospective method as a cumulative effect adjustment to retained earnings as of July 1, 2020. With this transition method, the Company did not have to restate comparative prior periods presented in the financial statements related to Topic 326, but will present comparative prior period disclosures using the previous accounting guidance for the allowance for loan losses. This adoption method is considered a change in accounting principle requiring additional disclosure of the nature of and reason for the change, which is solely a result of the adoption of the required standard. ACL – Investment Securities Management uses a systematic methodology to determine its ACL for investment securities held to maturity. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the held-to-maturity portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. Management monitors the held-to-maturity portfolio to determine whether a valuation account would need to be recorded. The Company currently has no investment securities held to maturity. Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of September 30, 2020, the accrued interest receivable for investment securities available for sale was $453. The Company’s estimate of expected credit losses includes a measure of the expected risk of credit loss even if that risk is remote. However, the Company does not measure expected credit losses on an investment security in which historical credit loss information adjusted for current conditions and reasonable and supportable forecast results in an expectation that nonpayment of the amortized cost basis is zero. Management does not expect nonpayment of the amortized cost basis to be zero solely on the basis of the current value of collateral securing the security but, instead, also considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral. The Company performed an analysis that determined that the following securities have a zero expected credit loss: U.S. government agencies, residential MBS of U.S. government agencies and GSEs, and municipal bonds. All of the U.S. government agencies and U.S. government agency backed securities have the full faith and credit backing of the United States Government or one of its agencies. Municipal bonds that do not have a zero expected credit loss will be evaluated quarterly to determine whether there is a credit loss associated with a decline in fair value. Management no longer evaluates securities for OTTI, as ASC Subtopic 326-30, "Financial Instruments—Credit Losses—Available-for-Sale Debt Securities," changes the accounting for recognizing impairment on available-for-sale debt securities. Each quarter management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value. Management considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral among other factors. Credit losses are calculated individually, rather than collectively, using a DCF method, whereby management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the provision for credit losses in the Consolidated Statements of Income. ACL - Loans and leases The ACL reflects management’s estimate of losses that will result from the inability of its borrowers to make required loan payments. The Company established the incremental increase in the ACL at adoption of the CECL standard through the cumulative effect adjustment to equity and subsequent adjustments will be made through a provision for credit losses charged against earnings. Management records loans charged off against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. Management uses a systematic methodology to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. The Company’s ACL recorded in the balance sheet reflects management’s best estimate within the range of expected credit losses. The Company recognizes in net income the amount needed to adjust the ACL for management’s current estimate of expected credit losses. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. The Company collectively evaluates loans that share similar risk characteristics. In general, management has segmented loans by regulatory call code category and collectively evaluates loans within the retail and commercial categories. Loans within the retail consumer category include: 1-4 family, HELOCs - originated, HELOCs - purchased, construction and land/lots, indirect auto finance, and consumer. Loans within the commercial category include: commercial real estate, construction and development, commercial and industrial, equipment finance, and municipal leases . For collectively evaluated loans, the Company uses a DCF method for each loan in a pool, and the results are aggregated at the pool level. A periodic tendency to default and absolute loss given default are applied to a projective model of the loan’s cash flow while considering prepayment and principal curtailment effects. The analysis produces expected cash flows for each instrument in the pool by pairing loan-level term information (maturity date, payment amount, interest rate, etc.) with top-down pool assumptions (default rates, prepayment speeds). The Company has identified the following portfolio segments for the current calculation: 1-4 family construction, 1-4 family mortgage – jr. lien, 1-4 family mortgage – sr. lien, commercial and industrial, commercial leases, construction – multi-family, construction – non-owner occupied, construction – owner occupied, consumer – auto, consumer – other, consumer – revolving, farmland, land and lot, multifamily, municipal leases, non-owner occupied CRE, owner occupied CRE, and HELOCs. PPP loans are fully guaranteed by the SBA; therefore, management estimates a zero reserve for PPP loans within its allowance for credit losses. Management has determined that the peer loss experience provides the best basis for its assessment of expected credit losses to determine the ACL. The Company utilized peer call report data to measure historical credit loss experience with similar risk characteristics within the segments over an economic cycle. Management reviewed the historical loss information to appropriately adjust for differences in current asset specific risk characteristics. Management also considered further adjustments to historical loss information for current conditions and reasonable and supportable forecasts that differ from the conditions that existed for the period over which historical information was evaluated. For all segment models for collectively evaluated loans (except for HELOCs), the Company incorporated one macroeconomic driver using a statistical regression modeling methodology. The HELOC segment incorporated two macroeconomic drivers. Due to the low loss rates of municipal leases and the expectation of them remaining low, management has elected to separately pool these loans. Management has elected to use readily available municipal default rates and loss given defaults in order to calculate expected credit losses. Management considers forward-looking information in estimating expected credit losses. The Company uses the Fannie Mae quarterly economic forecast which is a baseline outlook for the United States economy. Management has evaluated the appropriateness of the reasonable and supportable forecast for the current period along with the inputs used in the estimation of expected credit losses. For the contractual term that extends beyond the reasonable and supportable forecast period, the Company reverts to historical loss information within four quarters using a straight-line approach. Management may apply different reversion techniques depending on the economic environment for the financial asset portfolio and as of the current period has utilized a linear reversion technique. Management has evaluated the appropriateness of a reversion period for the current period and noted that it was reasonable. Included in its systematic methodology to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures, management considers the need to qualitatively adjust expected credit losses for information not already captured in the loss estimation process. These qualitative adjustments can either increase or decrease the quantitative model estimation (i.e. formulaic model results). Each period the Company considers qualitative factors that are relevant within the qualitative framework that include the following: 1) lending policies and procedures, 2) credit review function, 3) experience and depth of management and staff, 4) external factors, and 5) actual and expected changes in economic and business conditions. When a loan no longer shares similar risk characteristics with its segment, the asset is assessed to determine whether it should be included in another pool or should be individually evaluated. For these individually evaluated loans, the Company maintains specific book balance thresholds for retail or consumer loans, commercial loans, municipal and equipment leases, and unsecured commercial loans. Management would adjust these thresholds if future analysis suggests a change is needed based on the credit environment at that time. Generally, individually evaluated loans other than TDRs are on nonaccrual status. Based on the thresholds above, financial assets will generally remain in pools unless they meet the dollar threshold or foreclosure is probable. The expected credit losses on individually evaluated loans will be estimated based on DCF analysis unless the loan meets the criteria for use of the fair value of collateral, either by virtue of an expected foreclosure or through meeting the definition of collateral dependent. Financial assets that have been individually evaluated can be returned to a pool for purposes of estimating the expected credit loss insofar as their credit profile improves and that the repayment terms are not considered to be unique to the asset. Management measures expected credit losses over the contractual term of the loans. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expects it will execute a TDR with a borrower. In the event of a reasonably-expected TDR, the Company factors the reasonably-expected TDR into the current expected credit losses estimate. The effects of a TDR are recorded when an individual asset is specifically identified as a reasonably-expected TDR. The Company identifies the point at which it offers the modification to the borrower as the point at which the TDR is reasonably expected for both commercial and consumer loans. The Company uses a DCF methodology to calculate the effect of the concession provided to the borrower in TDR within the ACL. PCD assets are defined as acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The Company records acquired PCD loans by adding the expected credit losses (i.e., ACL) to the purchase price of the financial assets rather than recording through the provision for credit losses in the income statement. The expected credit loss, as of the acquisition day, of a PCD loan is added to the ACL. The non-credit discount or premium is the difference between the unpaid principal balance and the amortized cost basis as of the acquisition date. Subsequent to the acquisition date, the change in the ACL on PCD loans is recognized through the provision for credit losses. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. In accordance with the transition requirements within the standard, the Company’s PCI loans were treated as PCD loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an ACL on accrued interest receivable. As of September 30, 2020, the accrued interest receivable for loans was $9,859. The Company has a variety of assets that have a component that qualifies as an off-balance sheet exposure. These primarily include undrawn portions of revolving lines of credit and standby letters of credit. The expected losses associated with these exposures within the unfunded portion of the expected credit loss will be recorded as a liability on the balance sheet with an offsetting income statement expense. Management has determined that a majority of the Company’s off-balance-sheet credit exposures are not unconditionally cancellable. See "Note 6 - Loans" for additional details related to the Company's off-balance-sheet credit exposure. The current adjustment to the ACL for unfunded commitments would be recognized through the provision for credit losses in the Statement of Income.
Recent Accounting Pronouncements	In June 2016, the FASB issued ASU No. 2016-13 See table below for impact of this ASU on the Company's consolidated balance sheet: July 1, 2020 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption Assets: ACL on commercial paper $ (250) $ — $ (250) ACL on loans: Retail consumer loans $ (17,692) $ (6,956) $ (10,736) Commercial loans (25,189) (21,116) (4,073) Total ACL on loans $ (42,881) $ (28,072) $ (14,809) Deferred income taxes $ 20,323 $ 16,334 $ 3,989 Liabilities: Liability for credit losses on off-balance sheet credit exposures $ 2,288 $ — $ 2,288 Equity: Retained earnings $ 229,418 $ 242,776 $ (13,358) In August 2018, the FASB issued ASU 2018-13, "Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement." The amendments in this ASU remove, modify, and add certain disclosure requirements related to fair value measurements in ASC 820. The Company adopted this ASU on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In November 2018, the FASB issued ASU 2018-19, "Codification Improvements to Topic 326, Financial Instruments—Credit Losses." This update clarifies that receivables arising from operating leases are not within the scope of Subtopic 326-20. Instead, impairment of receivables arising from operating leases should be accounted for in accordance with Topic 842, Leases. The Company adopted this ASU on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In April 2019, the FASB issued ASU 2019-04, "Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments." The amendments in this update are part of the FASB's ongoing project to improve codification and correcting unintended application. The items within this ASU are not expected to have a significant effect on current accounting practice. The Company adopted the amendments to Financial Instruments (ASU 2016-01) on July 1, 2020 . The Company adopted the amendments to Financial Instruments-Credit Losses (ASU 2016-13) on July 1, 2020 . The Company adopted the amendments to Derivatives and Hedging (ASU 2017-12) on July 1, 2019 . The adoption did not have a material effect on the Company's Consolidated Financial Statements. In May 2019, the FASB issued ASU 2019-05, "Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief." The amendments in this update allow companies to irrevocably elect, upon the adoption of ASU 2016-13, the fair value option for financial instruments that i) were previously recorded at amortized cost and ii) are within the scope of the credit losses guidance in ASC 326-20, iii) are eligible for the fair value option under ASC 825-10, and iv) are not held-to-maturity debt securities. The Company adopted this ASU on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In November 2019, the FASB issued ASU 2019-11, "Codification Improvements to Topic 326, Financial Instruments-Credit Losses." This ASU clarifies certain aspects of the amendments in ASU 2016-13 and is part of the FASB's ongoing project to improve codification and correcting unintended application. The items within this ASU are not expected to have a significant effect on current accounting practice. The Company adopted this ASU on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In December 2019, the FASB issued ASU 2019-12, "Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes." This ASU is part of the FASB's simplification initiative to reduce complexity in accounting standards. The items within this ASU are not expected to have a significant effect on current accounting practice. The effective date and transition requirements for the first and second items of this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2020 and early adoption is permitted. The adoption of ASU No. 2019-12 is not expected to have a material impact on the Company's Consolidated Financial Statements. In January 2020, the FASB issued ASU 2020-01, "Investment—Equity Securities (Topic 321), Investments—Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815): Clarifying the Interactions between Topic 321, Topic 323, and Topic 815." This ASU clarified the interaction of the accounting for equity securities under Topic 321 and investments accounted for under the equity method of accounting in Topic 323 and the accounting for certain forward contracts and purchased options accounted for under Topic 815. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2021 and early adoption is permitted. The adoption of ASU No. 2020-01 is not expected to have a material impact on the Company's Consolidated Financial Statements. In March 2020, the FASB issued ASU 2020-03, "Codification Improvements to Financial Instruments." This ASU makes certain narrow-scope amendments to the following: i) clarified that all entities are required to provide fair value option disclosures; ii) clarified the applicability of the portfolio exception in ASC 820 to nonfinancial items; iii) aligned disclosures for depository and lending institutions (Topic 942) with guidance in Topic 320; iv) added cross-references to guidance in ASC 470-50 on line-of-credit or revolving-debt arrangements; v) added cross-references to net asset value practical expedient in ASC 820-10; vi) clarified the interaction between ASC 842 and ASC 326; and vii) clarified the interaction between ASC 326 and ASC 860-20. The amendments for issues i, ii, iv, and v became effective upon issuance and did not have a material effect on the Company's Consolidated Financial Statements. The Company adopted the amendments related to issue iii, vi, and vii on July 1, 2020. The adoption did not have a material effect on the Company's Consolidated Financial Statements. In September 2020, the FASB issued ASU 2020-06, "Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging-Contracts in Entity's Own Equity (Subtopic 815-40)." This ASU simplifies the accounting for certain financial instruments with characteristics of liabilities and equity, including convertible instruments and contracts on an entity's own equity. Specifically the ASU removes: i) major separation models required under GAAP and ii) certain settlement conditions that are required for equity contracts to qualify for the derivative scope exception, which will permit more equity contract to qualify for the exception. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2021 and early adoption is permitted.The adoption of ASU No. 2020-06 is not expected to have a material impact on the Company's Consolidated Financial Statements.

Accounting Changes and Error Co

Accounting Changes and Error Corrections (Tables)	3 Months Ended
	Sep. 30, 2020
Accounting Changes and Error Corrections [Abstract]
Impact of ASU on Consolidated Balance Sheet	See table below for impact of this ASU on the Company's consolidated balance sheet: July 1, 2020 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption Assets: ACL on commercial paper $ (250) $ — $ (250) ACL on loans: Retail consumer loans $ (17,692) $ (6,956) $ (10,736) Commercial loans (25,189) (21,116) (4,073) Total ACL on loans $ (42,881) $ (28,072) $ (14,809) Deferred income taxes $ 20,323 $ 16,334 $ 3,989 Liabilities: Liability for credit losses on off-balance sheet credit exposures $ 2,288 $ — $ 2,288 Equity: Retained earnings $ 229,418 $ 242,776 $ (13,358)

Debt Securities (Tables)

Debt Securities (Tables)	3 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation	Securities available for sale consist of the following at the dates indicated: September 30, 2020 Amortized Gross Gross Estimated U.S. Government Agencies $ 3,961 $ 203 $ — $ 4,164 Residential MBS of U.S. Government Agencies and GSEs 42,438 1,785 (42) 44,181 Municipal Bonds 14,252 589 — 14,841 Corporate Bonds 32,691 284 (2) 32,973 Total $ 93,342 $ 2,861 $ (44) $ 96,159 June 30, 2020 Amortized Gross Gross Estimated U.S. Government Agencies $ 3,957 $ 216 $ — $ 4,173 Residential MBS of U.S. Government Agencies and GSEs 46,629 1,776 (50) 48,355 Municipal Bonds 16,090 541 — 16,631 Corporate Bonds 58,242 270 (134) 58,378 Total $ 124,918 $ 2,803 $ (184) $ 127,537
Investments Classified by Contractual Maturity Date	Debt securities available for sale by contractual maturity at September 30, 2020 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule. September 30, 2020 Amortized Estimated Due within one year $ 28,086 $ 28,188 Due after one year through five years 18,910 19,640 Due after five years through ten years 3,176 3,418 Due after ten years 732 732 Mortgage-backed securities 42,438 44,181 Total $ 93,342 $ 96,159
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	The gross unrealized losses and the fair value for securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of September 30, 2020 and June 30, 2020 were as follows: September 30, 2020 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Residential MBS of U.S. Government Agencies and GSEs $ 64 $ (8) $ 2,100 $ (34) $ 2,164 $ (42) Corporate Bonds 6,453 (2) — — 6,453 (2) Total $ 6,517 $ (10) $ 2,100 $ (34) $ 8,617 $ (44) June 30, 2020 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Residential MBS of U.S. Government Agencies and GSEs 227 (10) 2,435 (40) 2,662 (50) Corporate Bonds 11,779 (134) — — 11,779 (134) Total $ 12,006 $ (144) $ 2,435 $ (40) $ 14,441 $ (184)

Other Investments (Tables)

Other Investments (Tables)	3 Months Ended
	Sep. 30, 2020
Investments, All Other Investments [Abstract]
Investment	Other investments, at cost consist of the following at the dates indicated: September 30, 2020 June 30, 2020 FHLB of Atlanta stock $ 23,309 $ 23,309 FRB stock 7,371 7,368 SBIC investments 8,269 8,269 Total $ 38,949 $ 38,946

Loans Held For Sale (Tables)

Loans Held For Sale (Tables)	3 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Schedule of Loans Held for Sale	Loans held for sale as of the dates indicated consist of the following: September 30, 2020 June 30, 2020 One-to-four family $ 42,271 $ 28,152 SBA 6,289 1,240 HELOCs 76,425 47,785 Total $ 124,985 $ 77,177 Loans consist of the following at the dates indicated: September 30, 2020 June 30, Commercial loans: Commercial real estate $ 1,068,255 $ 1,052,906 Construction and development 216,757 215,934 Commercial and industrial 148,413 154,825 Equipment finance 250,813 229,239 Municipal finance 130,337 127,987 Paycheck Protection Program 80,816 80,697 Total commercial loans 1,895,391 1,861,588 Retail consumer loans: One-to-four family 459,285 473,693 HELOCs - originated 135,885 137,447 HELOCs - purchased 61,535 71,781 Construction and land/lots 78,799 81,859 Indirect auto finance 128,466 132,303 Consumer 10,035 10,259 Total retail consumer loans 874,005 907,342 Total loans 2,769,396 2,768,930 Deferred loan costs, net — 189 Total loans, net of deferred loan costs 2,769,396 2,769,119 Allowance for credit losses (43,132) (28,072) Loans, net $ 2,726,264 $ 2,741,047 Type of Collateral and Extent to Which Collateral Secures Financial Assets Residential Property Investment Property Commercial Property Business Assets Other Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,798 $ 2,468 $ — $ — $ 1,061,989 1,068,255 Construction and development — 78 — — — 216,679 216,757 Commercial and industrial — — — 25 — 148,388 148,413 Equipment finance — — — 516 — 250,297 250,813 Municipal finance — — — — — 130,337 130,337 Paycheck Protection Program — — — — — 80,816 80,816 Retail consumer loans: One-to-four family 1,085 — — — — 458,200 459,285 HELOCs - originated — — — — — 135,885 135,885 HELOCs - purchased — — — — — 61,535 61,535 Construction and land/lots — — — — — 78,799 78,799 Indirect auto finance — — — — — 128,466 128,466 Consumer — — — — — 10,035 10,035 Total $ 1,085 $ 3,876 $ 2,468 $ 541 $ — $ 2,761,426 $ 2,769,396 Total Collateral Value $ 1,205 $ 3,924 $ 2,732 $ 565 $ —

Loans (Tables)

Loans (Tables)	3 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable	Loans held for sale as of the dates indicated consist of the following: September 30, 2020 June 30, 2020 One-to-four family $ 42,271 $ 28,152 SBA 6,289 1,240 HELOCs 76,425 47,785 Total $ 124,985 $ 77,177 Loans consist of the following at the dates indicated: September 30, 2020 June 30, Commercial loans: Commercial real estate $ 1,068,255 $ 1,052,906 Construction and development 216,757 215,934 Commercial and industrial 148,413 154,825 Equipment finance 250,813 229,239 Municipal finance 130,337 127,987 Paycheck Protection Program 80,816 80,697 Total commercial loans 1,895,391 1,861,588 Retail consumer loans: One-to-four family 459,285 473,693 HELOCs - originated 135,885 137,447 HELOCs - purchased 61,535 71,781 Construction and land/lots 78,799 81,859 Indirect auto finance 128,466 132,303 Consumer 10,035 10,259 Total retail consumer loans 874,005 907,342 Total loans 2,769,396 2,768,930 Deferred loan costs, net — 189 Total loans, net of deferred loan costs 2,769,396 2,769,119 Allowance for credit losses (43,132) (28,072) Loans, net $ 2,726,264 $ 2,741,047 Type of Collateral and Extent to Which Collateral Secures Financial Assets Residential Property Investment Property Commercial Property Business Assets Other Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,798 $ 2,468 $ — $ — $ 1,061,989 1,068,255 Construction and development — 78 — — — 216,679 216,757 Commercial and industrial — — — 25 — 148,388 148,413 Equipment finance — — — 516 — 250,297 250,813 Municipal finance — — — — — 130,337 130,337 Paycheck Protection Program — — — — — 80,816 80,816 Retail consumer loans: One-to-four family 1,085 — — — — 458,200 459,285 HELOCs - originated — — — — — 135,885 135,885 HELOCs - purchased — — — — — 61,535 61,535 Construction and land/lots — — — — — 78,799 78,799 Indirect auto finance — — — — — 128,466 128,466 Consumer — — — — — 10,035 10,035 Total $ 1,085 $ 3,876 $ 2,468 $ 541 $ — $ 2,761,426 $ 2,769,396 Total Collateral Value $ 1,205 $ 3,924 $ 2,732 $ 565 $ —
Financing Receivable Credit Quality Indicators	The following table presents the credit risk profile by risk grade for commercial loans by origination year: Term Loans By Origination Year September 30, 2020 2021 2020 2019 2018 2017 Prior Revolving Total Commercial real estate Risk rating: Pass $ 39,049 $ 178,905 $ 136,267 $ 205,282 $ 179,598 $ 244,649 $ 65,271 $ 1,049,021 Special mention — — — 1,300 4,419 3,134 149 9,002 Substandard — — — — 5,368 4,848 — 10,216 Doubtful — — — — — — — — Loss — 16 — — — — — 16 Total commercial real estate $ 39,049 $ 178,921 $ 136,267 $ 206,582 $ 189,385 $ 252,631 $ 65,420 $ 1,068,255 Construction and development Risk rating: Pass $ 4,304 $ 12,761 $ 19,144 $ 9,042 $ 2,481 $ 9,010 $ 158,838 $ 215,580 Special mention — — — — — 624 — 624 Substandard — — — — — 553 — 553 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and development $ 4,304 $ 12,761 $ 19,144 $ 9,042 $ 2,481 $ 10,187 $ 158,838 $ 216,757 Commercial and industrial Risk rating: Pass $ 7,657 $ 14,411 $ 23,496 $ 20,091 $ 19,799 $ 13,747 $ 28,483 $ 127,684 Special mention — — 1,116 — 9,624 193 9,494 20,427 Substandard — — — 133 65 104 — 302 Doubtful — — — — — — — — Loss — — — — — — — — Total commercial and industrial $ 7,657 $ 14,411 $ 24,612 $ 20,224 $ 29,488 $ 14,044 $ 37,977 $ 148,413 Equipment finance Risk rating: Pass $ 34,390 $ 131,227 $ 76,761 $ 7,057 $ — $ — $ — $ 249,435 Special mention — 131 406 — — — — 537 Substandard — 174 667 — — — — 841 Doubtful — — — — — — — — Loss — — — — — — — — Total equipment finance $ 34,390 $ 131,532 $ 77,834 $ 7,057 $ — $ — $ — $ 250,813 Municipal leases Risk rating: Pass $ — $ 21,521 $ 15,102 $ 20,487 $ 10,731 $ 58,216 $ 4,009 $ 130,066 Special mention — — — — — 271 — 271 Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total municipal leases $ — $ 21,521 $ 15,102 $ 20,487 $ 10,731 $ 58,487 $ 4,009 $ 130,337 Paycheck protection program Risk rating: Pass $ — $ 80,816 $ — $ — $ — $ — $ — $ 80,816 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total paycheck protection program $ — $ 80,816 $ — $ — $ — $ — $ — $ 80,816 Total commercial loans Risk rating: Pass $ 85,400 $ 439,641 $ 270,770 $ 261,959 $ 212,609 $ 325,622 $ 256,601 $ 1,852,602 Special mention — 131 1,522 1,300 14,043 4,222 9,643 30,861 Substandard — 174 667 133 5,433 5,505 — 11,912 Doubtful — — — — — — — — Loss — 16 — — — — — 16 Total commercial loans $ 85,400 $ 439,962 $ 272,959 $ 263,392 $ 232,085 $ 335,349 $ 266,244 $ 1,895,391 The following table presents the credit risk profile by risk grade for consumer loans by origination year: Term Loans By Origination Year September 30, 2020 2021 2020 2019 2018 2017 Prior Revolving Total One-to-four family Risk rating: Pass $ 20,156 $ 49,079 $ 66,389 $ 64,066 $ 51,948 $ 191,398 $ 4,700 $ 447,736 Special mention — — — — 29 2,017 — 2,046 Substandard — 1,008 — 219 206 7,868 — 9,301 Doubtful — — — — — 202 — 202 Loss — — — — — — — — Total one-to-four family $ 20,156 $ 50,087 $ 66,389 $ 64,285 $ 52,183 $ 201,485 $ 4,700 $ 459,285 HELOCs - originated Risk rating: Pass $ 1,021 $ 1,565 $ 1,638 $ 691 $ 751 $ 9,656 $ 117,713 $ 133,035 Special mention — — — — — 807 — 807 Substandard — — — — 39 1,800 204 2,043 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - originated $ 1,021 $ 1,565 $ 1,638 $ 691 $ 790 $ 12,263 $ 117,917 $ 135,885 HELOCs - purchased Risk rating: Pass $ — $ — $ — $ — $ — $ — $ 60,875 $ 60,875 Special mention — — — — — — — — Substandard — — — — — — 660 660 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - purchased $ — $ — $ — $ — $ — $ — $ 61,535 $ 61,535 Construction and land/lots Risk rating: Pass $ 103 $ 17,279 $ 5,105 $ 2,025 $ — $ 5,874 $ 47,790 $ 78,176 Special mention — — — — — — — — Substandard — — — 105 — 518 — 623 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and land/lots $ 103 $ 17,279 $ 5,105 $ 2,130 $ — $ 6,392 $ 47,790 $ 78,799 Indirect auto finance Risk rating: Pass $ 11,876 $ 38,790 $ 25,030 $ 30,623 $ 14,176 $ 6,446 $ — $ 126,941 Special mention — — — — — — — — Substandard — 121 405 565 255 179 — 1,525 Doubtful — — — — — — — — Loss — — — — — — — — Total indirect auto finance $ 11,876 $ 38,911 $ 25,435 $ 31,188 $ 14,431 $ 6,625 $ — $ 128,466 Total consumer loans Risk rating: Pass $ 563 $ 1,469 $ 6,432 $ 439 $ 202 $ 246 $ 369 $ 9,720 Special mention — — — 4 — — — 4 Substandard 223 18 11 18 6 25 10 311 Doubtful — — — — — — — — Loss — — — — — — — — Total consumer loans $ 786 $ 1,487 $ 6,443 $ 461 $ 208 $ 271 $ 379 $ 10,035 Total retail consumer loans Risk rating: Pass $ 33,719 $ 108,182 $ 104,594 $ 97,844 $ 67,077 $ 213,620 $ 231,447 $ 856,483 Special mention — — — 4 29 2,824 — 2,857 Substandard 223 1,147 416 907 506 10,390 874 14,463 Doubtful — — — — — 202 — 202 Loss — — — — — — — — Total retail consumer loans $ 33,942 $ 109,329 $ 105,010 $ 98,755 $ 67,612 $ 227,036 $ 232,321 $ 874,005 The following table presents the credit risk profile by risk grade for consumer and commercial loans, prior to the adoption of ASU 2016-13: Pass Special Substandard Doubtful Loss Total June 30, 2020 Commercial loans: Commercial real estate $ 1,028,709 $ 7,580 $ 10,779 $ — $ 16 $ 1,047,084 Construction and development 212,370 2,723 250 1 — 215,344 Commercial and industrial 130,202 20,439 2,622 — — 153,263 Equipment finance 228,288 150 801 — — 229,239 Municipal finance 127,706 281 — — — 127,987 Paycheck Protection Program 80,697 — — — — 80,697 Retail consumer loans: One-to-four family 458,248 1,724 9,042 206 — 469,220 HELOCs - originated 134,697 902 1,848 — — 137,447 HELOCs - purchased 71,119 — 662 — — 71,781 Construction and land/lots 81,112 — 402 — — 81,514 Indirect auto finance 130,975 — 1,328 — — 132,303 Consumer 9,894 4 361 — — 10,259 Total loans $ 2,694,017 $ 33,803 $ 28,095 $ 207 $ 16 $ 2,756,138 The following table presents the credit risk profile by risk grade for PCI consumer and commercial loans, prior to the adoption of ASU 2016-13: Pass Special Substandard Doubtful Loss Total June 30, 2020 Commercial loans: Commercial real estate $ 3,181 $ 1,742 $ 899 $ — $ — $ 5,822 Construction and development 271 — 319 — — 590 Commercial and industrial 1,556 — 3 — 3 1,562 Retail consumer loans: One-to-four family 2,994 465 1,014 — — 4,473 Construction and land/lots 108 — 237 — — 345 Total loans $ 8,110 $ 2,207 $ 2,472 $ — $ 3 $ 12,792
Past Due Financing Receivables	The following table presents an aging analysis of past due loans (includes nonaccrual loans) by segment and class: Past Due Total 30-89 Days 90 Days+ Total Current Loans September 30, 2020 Commercial loans: Commercial real estate $ — $ 2,108 $ 2,108 $ 1,066,147 $ 1,068,255 Construction and development — 361 361 216,396 216,757 Commercial and industrial 29 90 119 148,294 148,413 Equipment finance — 580 580 250,233 250,813 Municipal finance — — — 130,337 130,337 Paycheck Protection Program — — — 80,816 80,816 Retail consumer loans: One-to-four family 2,248 2,127 4,375 454,910 459,285 HELOCs - originated 297 384 681 135,204 135,885 HELOCs - purchased 145 47 192 61,343 61,535 Construction and land/lots — 249 249 78,550 78,799 Indirect auto finance 454 482 936 127,530 128,466 Consumer 227 33 260 9,775 10,035 Total loans $ 3,400 $ 6,461 $ 9,861 $ 2,759,535 $ 2,769,396 The following table presents an aging analysis of past due loans by segment and class, prior to the adoption of ASU 2016-13: Past Due Total 30-89 Days 90 Days+ Total Current Loans June 30, 2020 Commercial loans: Commercial real estate $ 4,528 $ 2,892 $ 7,420 $ 1,045,486 $ 1,052,906 Construction and development 293 341 634 215,300 215,934 Commercial and industrial — 91 91 154,734 154,825 Equipment finance 303 498 801 228,438 229,239 Municipal finance — — — 127,987 127,987 Paycheck Protection Program — — — 80,697 80,697 Retail consumer loans: One-to-four family 1,679 3,147 4,826 468,867 473,693 HELOCs - originated 442 310 752 136,695 137,447 HELOCs - purchased 214 47 261 71,520 71,781 Construction and land/lots — 252 252 81,607 81,859 Indirect auto finance 756 285 1,041 131,262 132,303 Consumer 30 25 55 10,204 10,259 Total loans $ 8,245 $ 7,888 $ 16,133 $ 2,752,797 $ 2,768,930
Schedule of Past Due Loans Still Accruing and Nonaccruing Interest	The following table presents recorded investment in loans on nonaccrual status, by segment and class, including restructured loans. It also includes interest income recognized on nonaccrual loans for the three months ended September 30, 2020. September 30, 2020 June 30, 2020 90 Days + & Nonaccrual with no allowance as of September 30, 2020 Interest income recognized Commercial loans: Commercial real estate $ 7,841 $ 8,869 $ — $ 4,665 $ 232 Construction and development 554 465 — 78 29 Commercial and industrial 250 259 — 26 38 Equipment finance 668 801 — 516 — Retail consumer loans: One-to-four family 2,746 3,582 — 784 99 HELOCs - originated 619 531 — — 34 HELOCs - purchased 660 662 — — 7 Construction and land/lots 249 37 — — 6 Indirect auto finance 797 668 — — 32 Consumer 36 49 — — 6 Total loans $ 14,420 $ 15,923 $ — $ 6,069 $ 483
Allowance for Credit Losses on Financing Receivables	The following table presents an analysis of the ACL by segment: Three Months Ended September 30, 2020 Commercial Retail Total Balance at beginning of period $ 21,116 $ 6,956 $ 28,072 Impact of adoption ASU 2016-13 4,073 10,736 14,809 Provision for credit losses 292 658 950 Charge-offs (1,095) (682) (1,777) Recoveries 813 265 1,078 Net charge-offs (282) (417) (699) Balance at end of period $ 25,199 $ 17,933 $ 43,132 The following table presents an analysis of the allowance for loan losses by segment, prior to the adoption of ASU 2016-13: Three Months Ended September 30, 2019 PCI Commercial Retail Total Balance at beginning of period $ 201 $ 14,809 $ 6,419 $ 21,429 Provision for (recovery of) loan losses (7) 455 (448) — Charge-offs — (35) (395) (430) Recoveries — 163 152 315 Balance at end of period $ 194 $ 15,392 $ 5,728 $ 21,314
Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class	The following table presents ending balances of loans and the related ACL, by segment and class: Allowance for Credit Losses Total Loans Receivable Loans Loans Total Loans Loans Total September 30, 2020 Commercial loans: Commercial real estate $ 90 $ 11,915 $ 12,005 $ 6,552 $ 1,061,703 $ 1,068,255 Construction and development — 2,736 2,736 80 216,677 216,757 Commercial and industrial 16 3,564 3,580 839 147,574 148,413 Equipment finance 84 6,355 6,439 606 250,207 250,813 Municipal finance — 438 438 — 130,337 130,337 Paycheck Protection Program — — — — 80,816 80,816 Retail consumer loans: One-to-four family 16 9,953 9,969 3,269 456,016 459,285 HELOCs - originated — 2,016 2,016 — 135,885 135,885 HELOCs - purchased — 932 932 — 61,535 61,535 Construction and land/lots — 1,599 1,599 32 78,767 78,799 Indirect auto finance — 3,139 3,139 — 128,466 128,466 Consumer — 279 279 — 10,035 10,035 Total $ 206 $ 42,926 $ 43,132 $ 11,378 $ 2,758,018 $ 2,769,396 The following table presents ending balances of loans and the related allowance, by segment and class, prior to the adoption of ASU 2016-13: Allowance for Loan Losses Total Loans Receivable PCI Loans Loans Total PCI Loans Loans Total June 30, 2020 Commercial loans: Commercial real estate $ 113 $ 961 $ 10,731 $ 11,805 $ 5,822 $ 7,924 $ 1,039,160 $ 1,052,906 Construction and development 4 5 3,599 3,608 590 299 215,045 215,934 Commercial and industrial 15 31 2,153 2,199 1,562 852 152,411 154,825 Equipment finance — 209 2,598 2,807 — 801 228,438 229,239 Municipal finance — — 697 697 — — 127,987 127,987 Paycheck Protection Program — — — — — — 80,697 80,697 Retail consumer loans: One-to-four family 17 52 2,400 2,469 4,473 4,304 464,916 473,693 HELOCs - originated — — 1,344 1,344 — — 137,447 137,447 HELOCs - purchased — — 430 430 — — 71,781 71,781 Construction and land/lots 33 — 1,409 1,442 345 296 81,218 81,859 Indirect auto finance — — 1,136 1,136 — 10 132,293 132,303 Consumer — — 135 135 — — 10,259 10,259 Total $ 182 $ 1,258 $ 26,632 $ 28,072 $ 12,792 $ 14,486 $ 2,741,652 $ 2,768,930
Schedule of Impaired Loans and Related Allowance by Segment and Class	The following table presents impaired loans and the related allowance, by segment and class, excluding PCI loans, prior to the adoption of ASU 2016-13: Total Impaired Loans Unpaid Recorded Recorded Total Related June 30, 2020 Commercial loans: Commercial real estate $ 10,401 $ 8,062 $ 1,068 $ 9,130 $ 976 Construction and development 1,785 818 80 898 11 Commercial and industrial 9,782 1,058 26 1,084 34 Equipment finance 2,631 303 498 801 209 Retail consumer loans: One-to-four family 16,560 10,805 3,374 14,179 412 HELOCs - originated 2,087 1,585 53 1,638 43 HELOCs - purchased 662 662 — 662 3 Construction and land/lots 1,585 749 296 1,045 13 Indirect auto finance 1,075 486 241 727 5 Consumer 297 38 27 65 2 Total impaired loans $ 46,865 $ 24,566 $ 5,663 $ 30,229 $ 1,708
Schedule of Average Recorded Investment in Loans, Unpaid Principal Balance and Interest Income Recognized	The following table present average recorded investments in impaired loans and interest income recognized on impaired loans, prior to the adoption of ASU 2016-13: Three Months Ended September 30, 2019 Average Interest Commercial loans: Commercial real estate $ 9,614 $ 77 Construction and development 1,686 14 Commercial and industrial 734 10 Equipment finance 703 8 Retail consumer loans: One-to-four family 15,338 206 HELOCs - originated 1,873 29 HELOCs - purchased 571 3 Construction and land/lots 1,195 24 Indirect auto finance 448 5 Consumer 47 3 Total loans $ 32,209 $ 379
Impaired Financing Receivable	The following table presents a summary of changes in the accretable yield for PCI loans, prior to the adoption of ASU 2016-13: Three Months Ended September 30, 2019 Accretable yield, beginning of period $ 5,259 Reclass from nonaccretable yield (1) 115 Other changes, net (2) (14) Interest income (444) Accretable yield, end of period $ 4,916 ______________________________________ (1) Represents changes attributable to expected loss assumptions. (2) Represents changes in cash flows expected to be collected due to the impact of modifications, changes in prepayment assumptions, and changes in interest rates.
Troubled Debt Restructurings on Financing Receivables	For the three months ended September 30, 2020 and 2019, the following table presents a breakdown of the types of concessions made on TDRs by loan class: Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Number Pre Post Number Pre Post Extended payment terms: Retail consumer: One-to-four family — $ — $ — 1 $ 14 $ 14 Other TDRs: Commercial: Commercial and industrial 1 4,407 3,800 — — — Retail consumer: One-to-four family — — — 3 35 34 Indirect auto finance 6 105 78 4 68 65 Total 7 $ 4,512 $ 3,878 8 $ 117 $ 113
Schedule of Trouble Debt Restructurings With Payment Default	The following table presents loans that were modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended September 30, 2020 and 2019: Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Number of Recorded Number of Recorded Other TDRs: Retail consumer: One-to-four family — $ — 2 $ 122 Indirect auto finance 1 11 — — Consumer — — 1 2 Total 1 $ 11 3 $ 124
Financing Receivable, Payment Deferral	The breakout of loans deferred by loan type as of the dates indicated is as follows: Payment Deferrals by Loan Types (1) September 30, 2020 August 31, 2020 June 30, 2020 Deferral Percent of Total Loan Portfolio Deferral Percent of Total Loan Portfolio Deferral Percent of Total Loan Portfolio Lodging $ 60,782 2.2 % $ 64,686 2.4 % $ 108,171 4.0 % Other commercial real estate, construction and development, and commercial and industrial 27,169 1.0 43,056 1.6 367,443 13.7 Equipment finance 2,187 0.1 4,547 0.2 33,693 1.3 One-to-four family 684 — 2,360 0.1 36,821 1.4 Other consumer loans 422 — 589 — 5,203 0.2 Total $ 91,244 3.3 % $ 115,238 4.3 % $ 551,331 20.6 % __________________________ (1) Modified loans are not included in classified assets or nonperforming assets.

Real Estate Owned (Tables)

Real Estate Owned (Tables)	3 Months Ended
	Sep. 30, 2020
Real Estate Owned [Abstract]
Schedule of Real Estate Properties	The activity within REO for the periods shown is as follows: Three Months Ended September 30, 2020 2019 Balance at beginning of period $ 337 $ 2,929 Transfers from loans — 46 Sales, net of gain or loss (193) (381) Writedowns — (12) Balance at end of period $ 144 $ 2,582

Net Income per Share (Tables)

Net Income per Share (Tables)	3 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The following is a reconciliation of the numerator and denominator of basic and diluted net income per share of common stock as of the dates indicated: Three Months Ended September 30, 2020 2019 Numerator: Net income $ 5,753 $ 8,804 Allocation of earnings to participating securities (50) (68) Numerator for basic EPS - Net income available to common stockholders $ 5,703 $ 8,736 Effect of dilutive securities: Dilutive effect to participating securities 6 8 Numerator for diluted EPS $ 5,709 $ 8,744 Denominator: Weighted-average common shares outstanding - basic 16,230,990 17,097,647 Effect of dilutive shares 238,252 656,010 Weighted-average common shares outstanding - diluted 16,469,242 17,753,657 Net income per share - basic $ 0.35 $ 0.51 Net income per share - diluted $ 0.35 $ 0.49

Equity Incentive Plan (Tables)

Equity Incentive Plan (Tables)	3 Months Ended
	Sep. 30, 2020
Share-based Payment Arrangement [Abstract]
Schedule of Employee Service Share-based Compensation, Allocation of Recognized Period Costs	The table below presents share-based compensation expense and the estimated related tax benefit for stock options and restricted stock for the three months ended September 30, 2020 and 2019, respectively: Three Months Ended September 30, 2020 2019 Share-based compensation expense $ 506 $ 443 Tax benefit $ 119 $ 104
Equity Incentive Plan Stock Option Activity	The table below presents stock option activity for the three months ended September 30, 2020 and 2019: Options Weighted- Remaining Aggregate Options outstanding at June 30, 2019 1,657,214 $ 17.59 5.0 $ 12,909 Granted 25,000 25.37 — — Exercised 13,400 14.50 — — Forfeited 800 17.35 — — Options outstanding at September 30, 2019 1,668,014 $ 17.73 4.9 $ 13,969 Exercisable at September 30, 2019 1,266,214 $ 15.40 3.8 $ 13,509 Non-vested at September 30, 2019 401,800 $ 25.07 8.1 $ 460 Options outstanding at June 30, 2020 1,615,500 $ 18.12 4.4 $ 1,711 Forfeited 200 24.95 — — Options outstanding at September 30, 2020 1,615,300 $ 18.12 4.1 $ — Exercisable at September 30, 2020 1,303,000 $ 16.31 3.3 $ — Non-vested at September 30, 2020 312,300 $ 25.68 7.6 $ —
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions	Assumptions used in estimating the fair value of options granted during the three months ended September 30, 2019 are presented below: September 30, 2019 Weighted-average volatility 17.84 % Expected dividend yield 0.95 % Risk-free interest rate 1.55 % Expected life (years) 6.5 Weighted-average fair value of options granted $ 4.67
Schedule of Nonvested Restricted Stock Units Activity	The table below presents restricted stock award activity for the three months ended September 30, 2020 and 2019: Restricted Weighted- Aggregate Non-vested at June 30, 2019 123,800 $ 24.65 $ 2,258 Granted 13,000 25.37 — Vested 400 19.02 — Forfeited 3,200 20.62 — Non-vested at September 30, 2019 133,200 $ 24.83 $ 2,256 Non-vested at June 30, 2020 144,046 $ 25.89 $ 2,305 Vested 2,600 25.37 — Forfeited 200 24.95 — Non-vested at September 30, 2020 141,246 $ 25.90 $ 1,918

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	The following table presents financial assets measured at fair value on a recurring basis at the dates indicated: September 30, 2020 Description Total Level 1 Level 2 Level 3 U.S Government Agencies $ 4,164 $ — $ 4,164 $ — Residential MBS of U.S. Government Agencies and GSEs 44,181 — 44,181 — Municipal Bonds 14,841 — 14,841 — Corporate Bonds 32,973 — 32,973 — Total $ 96,159 $ — $ 96,159 $ — June 30, 2020 Description Total Level 1 Level 2 Level 3 U.S Government Agencies $ 4,173 $ — $ 4,173 $ — Residential MBS of U.S. Government Agencies and GSEs 48,335 — 48,335 — Municipal Bonds 16,631 — 16,631 — Corporate Bonds 58,378 — 58,378 — Total $ 127,517 $ — $ 127,517 $ —
Fair Value Measurements, Nonrecurring	The following table presents financial assets measured at fair value on a non-recurring basis at the dates indicated: September 30, 2020 Description Total Level 1 Level 2 Level 3 Individually evaluated loans $ 5,150 $ — $ — $ 5,150 June 30, 2020 Description Total Level 1 Level 2 Level 3 Individually evaluated loans $ 9,168 $ — $ — $ 9,168 REO 97 — — 97 Total $ 9,265 $ — $ — $ 9,265
Schedule of Quantitative Information About Level 3 Fair Value Measurements	Quantitative information about Level 3 fair value measurements during the period ended September 30, 2020 is shown in the table below: Nonrecurring measurements: Fair Value at September 30, 2020 Valuation Unobservable Range Weighted Individually evaluated loans $ 5,150 Discounted appraisals and discounted cash flows Collateral discounts 0% - 63% 2% - 3% 12%
Fair Value, by Balance Sheet Grouping	The stated carrying value and estimated fair value amounts of financial instruments as of September 30, 2020 and June 30, 2020, are summarized below: September 30, 2020 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and interest-bearing deposits $ 171,144 $ 171,144 $ 171,144 $ — $ — Commercial paper 204,867 204,867 204,867 — — Certificates of deposit in other banks 52,361 52,361 — 52,361 — Securities available for sale 96,159 96,159 — 96,159 — Loans, net 2,726,264 2,688,377 — — 2,688,377 Loans held for sale 124,985 126,670 — — 126,670 FHLB stock 23,309 23,309 23,309 — — FRB stock 7,371 7,371 7,371 — — SBIC investments 8,269 8,269 — — 8,269 Accrued interest receivable 10,648 10,648 — 789 9,859 Liabilities: Noninterest-bearing and NOW deposits 1,067,125 1,067,125 — 1,067,125 — Money market accounts 826,970 826,970 — 826,970 — Savings accounts 202,787 202,787 — 202,787 — Certificates of deposit 645,164 649,685 — 649,685 — Borrowings 475,000 490,822 — 490,822 — Accrued interest payable 719 719 — 719 — June 30, 2020 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and interest-bearing deposits $ 121,622 $ 121,622 $ 121,622 $ — $ — Commercial paper 304,967 304,967 304,967 — — Certificates of deposit in other banks 55,689 55,689 — 55,689 — Securities available for sale 127,537 127,537 — 127,537 — Loans, net 2,741,047 2,692,265 — — 2,692,265 Loans held for sale 77,177 78,129 — — 78,129 FHLB stock 23,309 23,309 23,309 — — FRB stock 7,368 7,368 7,368 — — SBIC investments 8,269 8,269 — — 8,269 Accrued interest receivable 12,312 12,312 208 744 11,360 Liabilities: Noninterest-bearing and NOW deposits 1,012,200 1,012,200 — 1,012,200 — Money market accounts 836,738 836,738 — 836,738 — Savings accounts 197,676 197,676 — 197,676 — Certificates of deposit 739,142 745,078 — 745,078 — Borrowings 475,000 511,529 — 511,529 — Accrued interest payable 1,087 1,087 — 1,087 —

Leases (Tables)

Leases (Tables)	3 Months Ended
	Sep. 30, 2020
Leases [Abstract]
Assets and Liabilities, Lessee	The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: September 30, 2020 June 30, 2020 ROU assets $ 4,827 $ 4,601 Lease liabilities 4,824 4,590 Weighted-average remaining lease terms 4.79 5.02 Weighted-average discount rate 2.81 % 2.97 %
Lessee, Operating Lease, Liability, Maturity	The following schedule summarizes aggregate future minimum lease payments under these operating leases at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 987 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 5,195
Lease, Cost	The following table presents components of operating lease expense for the three months ended September 30, 2020 and 2019: 2020 2019 Operating lease cost (included in occupancy expense) $ 439 $ 473 Sublease income (included in other, net noninterest income) (61) (64) Total operating lease expense, net 378 409 Supplemental lease cash flow information for the three months ended September 30, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 533 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 524 558 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 33 33
Finance Lease, Liability, Maturity	The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 100 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,507 Less: amount representing interest (674) Present value of net minimum lease payments $ 1,833
Lessor, Operating Lease, Payments to be Received, Maturity	The following schedule summarizes aggregate future minimum operating lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 5,295 2022 4,002 2023 2,366 2024 709 2025 180 Thereafter 13 Total of future minimum payments $ 12,565
Sales-type and Direct Financing Leases, Lease Receivable, Maturity	The following table presents components of finance lease net investment included within equipment finance class of financing receivables: September 30, 2020 June 30, 2020 Lease receivables $ 48,358 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at September 30, 2020: Fiscal year ending June 30: Remaining 2021 $ 9,457 2022 12,324 2023 12,084 2024 10,385 2025 7,195 Thereafter 1,676 Total minimum payments 53,121 Less: amount representing interest (4,763) Total $ 48,358

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jul. 01, 2020
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accrued interest receivable for investment securities available for sale	$ 453
Accrued interest receivable	9,859
Liability recorded for expected credit losses on unfunded commitments in Other Liabilities	$ 2,288	$ 0

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Jul. 01, 2020	Sep. 30, 2019	Jun. 30, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accounting Standards Update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member	us-gaap:AccountingStandardsUpdate201613Member
Assets
ACL on commercial paper			$ 0
ACL on loans	$ (43,132)	$ (28,072)	(28,072)	$ (21,314)	$ (21,429)
Deferred income taxes	19,209	16,334	16,334
Liabilities
Liability for credit losses on off-balance sheet credit exposures	2,288		0
Equity:
Retained earnings	234,023	242,776	242,776
Cumulative Effect, Period of Adoption, Adjusted Balance
Assets
ACL on commercial paper			(250)
ACL on loans			(42,881)
Deferred income taxes			20,323
Liabilities
Liability for credit losses on off-balance sheet credit exposures			2,288
Equity:
Retained earnings			229,418
Cumulative-effect adjustment due to the adoption of ASU 2016-13
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Additional ACL on financial instruments			15,059
Assets
ACL on commercial paper			(250)
ACL on loans		(14,809)	(14,809)
Deferred income taxes			3,989
Liabilities
Liability for credit losses on off-balance sheet credit exposures			2,288
Equity:
Retained earnings			(13,358)
Retail Consumer Loans
Assets
ACL on loans	(17,933)	(6,956)	(6,956)	(5,728)	(6,419)
Retail Consumer Loans | Cumulative Effect, Period of Adoption, Adjusted Balance
Assets
ACL on loans			(17,692)
Retail Consumer Loans | Cumulative-effect adjustment due to the adoption of ASU 2016-13
Assets
ACL on loans		(10,736)	(10,736)
Commercial Loans
Assets
ACL on loans	$ (25,199)	(21,116)	(21,116)	$ (15,392)	$ (14,809)
Commercial Loans | Cumulative Effect, Period of Adoption, Adjusted Balance
Assets
ACL on loans			(25,189)
Commercial Loans | Cumulative-effect adjustment due to the adoption of ASU 2016-13
Assets
ACL on loans		$ (4,073)	$ (4,073)

Debt Securities - Available for

Debt Securities - Available for Sale Securities Table (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 93,342	$ 124,918
Gross Unrealized Gains	2,861	2,803
Gross Unrealized Losses	(44)	(184)
Estimated Fair Value	96,159	127,537
U.S. Government Agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	3,961	3,957
Gross Unrealized Gains	203	216
Gross Unrealized Losses	0	0
Estimated Fair Value	4,164	4,173
Residential MBS of U.S. Government Agencies and GSEs
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	42,438	46,629
Gross Unrealized Gains	1,785	1,776
Gross Unrealized Losses	(42)	(50)
Estimated Fair Value	44,181	48,355
Municipal Bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	14,252	16,090
Gross Unrealized Gains	589	541
Gross Unrealized Losses	0	0
Estimated Fair Value	14,841	16,631
Corporate Bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	32,691	58,242
Gross Unrealized Gains	284	270
Gross Unrealized Losses	(2)	(134)
Estimated Fair Value	$ 32,973	$ 58,378

Debt Securities - Schedule of I

Debt Securities - Schedule of Investments Classified by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Amortized Cost
Due within one year	$ 28,086
Due after one year through five years	18,910
Due after five years through ten years	3,176
Due after ten years	732
Total	93,342
Estimated Fair Value
Due within one year	28,188
Due after one year through five years	19,640
Due after five years through ten years	3,418
Due after ten years	732
Estimated Fair Value	96,159	$ 127,537
Residential MBS of U.S. Government Agencies and GSEs
Amortized Cost
Total	42,438
Estimated Fair Value
Estimated Fair Value	$ 44,181	$ 48,355

Debt Securities - Narrative (De

Debt Securities - Narrative (Details)	3 Months Ended
	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)	Jun. 30, 2020USD ($)security
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 96,159,000		$ 127,537,000
Proceeds from sale of securities available for sale	0	$ 0
Gross realized gain (loss)	0	$ 0
Securities available for sale pledged as collateral market value	$ 88,134,000		$ 84,456,000
Number of securities with unrealized losses | security	20		24
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 86,804,000		$ 82,888,000

Debt Securities - Available f_2

Debt Securities - Available for Sale Securities Continuous Unrealized Loss Position Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 96,159	$ 127,537
Less than 12 Months, Fair Value	6,517	12,006
12 Months or Longer, Fair Value	2,100	2,435
Total, Fair Value	8,617	14,441
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(10)	(144)
12 Months or More, Unrealized Losses	(34)	(40)
Total, Unrealized Losses	(44)	(184)
Residential MBS of U.S. Government Agencies and GSEs
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	44,181	48,355
Less than 12 Months, Fair Value	64	227
12 Months or Longer, Fair Value	2,100	2,435
Total, Fair Value	2,164	2,662
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(8)	(10)
12 Months or More, Unrealized Losses	(34)	(40)
Total, Unrealized Losses	(42)	(50)
Corporate Bonds
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	32,973	58,378
Less than 12 Months, Fair Value	6,453	11,779
12 Months or Longer, Fair Value	0	0
Total, Fair Value	6,453	11,779
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(2)	(134)
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	(2)	(134)
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 86,804	$ 82,888

Other Investments (Details)

Other Investments (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Other Investment Not Readily Marketable [Line Items]
FHLB of Atlanta	$ 23,309	$ 23,309
Federal Reserve Bank of Richmond (FRB)	7,371	7,368
Other investments, at cost	38,949	38,946
Small Business Investment Companies (SBIC)
Other Investment Not Readily Marketable [Line Items]
Nonmarketable Investment Securities	$ 8,269	$ 8,269

Loans Held For Sale (Details)

Loans Held For Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Total	$ 124,985	$ 77,177
One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total	42,271	28,152
SBA
Accounts, Notes, Loans and Financing Receivable
Total	6,289	1,240
HELOCs
Accounts, Notes, Loans and Financing Receivable
Total	$ 76,425	$ 47,785

Loans - Schedule of Accounts, N

Loans - Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jul. 01, 2020	Jun. 30, 2020	Sep. 30, 2019	Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable
Total loans	$ 2,769,396		$ 2,768,930
Deferred loan fees, net	0		189
Total loans, net of deferred loan costs	2,769,396		2,769,119
Allowance for credit losses	(43,132)	$ (28,072)	(28,072)	$ (21,314)	$ (21,429)
Total loans	2,726,264		2,741,047
Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Total loans	1,895,391		1,861,588
Total loans, net of deferred loan costs	1,895,391
Allowance for credit losses	(25,199)	(21,116)	(21,116)	(15,392)	(14,809)
Commercial Loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable
Total loans	80,816		80,697
Total loans, net of deferred loan costs	80,816
Allowance for credit losses	0		0
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans	1,068,255		1,052,906
Total loans, net of deferred loan costs	1,068,255
Allowance for credit losses	(12,005)		(11,805)
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans	216,757		215,934
Total loans, net of deferred loan costs	216,757
Allowance for credit losses	(2,736)		(3,608)
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans	148,413		154,825
Total loans, net of deferred loan costs	148,413
Allowance for credit losses	(3,580)		(2,199)
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans	250,813		229,239
Total loans, net of deferred loan costs	250,813
Allowance for credit losses	(6,439)		(2,807)
Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans	130,337		127,987
Total loans, net of deferred loan costs	130,337
Allowance for credit losses	(438)		(697)
Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Total loans	874,005		907,342
Total loans, net of deferred loan costs	874,005
Allowance for credit losses	(17,933)	$ (6,956)	(6,956)	$ (5,728)	$ (6,419)
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans	459,285		473,693
Total loans, net of deferred loan costs	459,285
Allowance for credit losses	(9,969)		(2,469)
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans	135,885		137,447
Total loans, net of deferred loan costs	135,885
Allowance for credit losses	(2,016)		(1,344)
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans	61,535		71,781
Total loans, net of deferred loan costs	61,535
Allowance for credit losses	(932)		(430)
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans	78,799		81,859
Total loans, net of deferred loan costs	78,799
Allowance for credit losses	(1,599)		(1,442)
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans	128,466		132,303
Total loans, net of deferred loan costs	128,466
Allowance for credit losses	(3,139)		(1,136)
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans	10,035		10,259
Total loans, net of deferred loan costs	10,035
Allowance for credit losses	$ (279)		$ (135)

Loans Loans - Narrative (Detail

Loans Loans - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Jul. 01, 2020	Sep. 30, 2019	Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable
Accounting Standards Update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member	us-gaap:AccountingStandardsUpdate201613Member
Deferred cost	$ 1,941
Unamortized discount total related to loans acquired	5,126
Accrued interest receivable	9,859
Allowance for credit losses	43,132	$ 28,072	$ 28,072	$ 21,314	$ 21,429
Nonaccrual loans	14,420	15,923
Reserve for credit losses for off-balance sheet credit exposures included in other liabilities	2,288		0
PCI
Accounts, Notes, Loans and Financing Receivable
Allowance for credit losses		182		194	201
Nonaccrual loans	965
Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Allowance for credit losses	17,933	6,956	6,956	5,728	6,419
Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Allowance for credit losses	25,199	$ 21,116	$ 21,116	$ 15,392	$ 14,809
Coronavirus Aid, Relief, And Economic Securities Act, Short-Term Modifications | Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Total modifications	1,106
Coronavirus Aid, Relief, And Economic Securities Act, Short-Term Modifications | Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Total modifications	$ 90,138

Loans - Financing Receivable Cr

Loans - Financing Receivable Credit Quality Indicators, After Adoption of ASU 2016-13 (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Financing Receivable, Recorded Investment
Total loans, net of deferred loan costs	$ 2,769,396	$ 2,769,119
Commercial Loans
Financing Receivable, Recorded Investment
2021	85,400
2020	439,962
2019	272,959
2018	263,392
2017	232,085
Prior	335,349
Revolving	266,244
Total loans, net of deferred loan costs	1,895,391
Commercial Loans | Paycheck Protection Program
Financing Receivable, Recorded Investment
2021	0
2020	80,816
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	80,816
Commercial Loans | Pass
Financing Receivable, Recorded Investment
2021	85,400
2020	439,641
2019	270,770
2018	261,959
2017	212,609
Prior	325,622
Revolving	256,601
Total loans, net of deferred loan costs	1,852,602
Commercial Loans | Pass | Paycheck Protection Program
Financing Receivable, Recorded Investment
2021	0
2020	80,816
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	80,816
Commercial Loans | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	131
2019	1,522
2018	1,300
2017	14,043
Prior	4,222
Revolving	9,643
Total loans, net of deferred loan costs	30,861
Commercial Loans | Special Mention | Paycheck Protection Program
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	174
2019	667
2018	133
2017	5,433
Prior	5,505
Revolving	0
Total loans, net of deferred loan costs	11,912
Commercial Loans | Substandard | Paycheck Protection Program
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Doubtful | Paycheck Protection Program
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Loss
Financing Receivable, Recorded Investment
2021	0
2020	16
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	16
Commercial Loans | Loss | Paycheck Protection Program
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Commercial real estate
Financing Receivable, Recorded Investment
2021	39,049
2020	178,921
2019	136,267
2018	206,582
2017	189,385
Prior	252,631
Revolving	65,420
Total loans, net of deferred loan costs	1,068,255
Commercial Loans | Commercial real estate | Pass
Financing Receivable, Recorded Investment
2021	39,049
2020	178,905
2019	136,267
2018	205,282
2017	179,598
Prior	244,649
Revolving	65,271
Total loans, net of deferred loan costs	1,049,021
Commercial Loans | Commercial real estate | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	1,300
2017	4,419
Prior	3,134
Revolving	149
Total loans, net of deferred loan costs	9,002
Commercial Loans | Commercial real estate | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	5,368
Prior	4,848
Revolving	0
Total loans, net of deferred loan costs	10,216
Commercial Loans | Commercial real estate | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Commercial real estate | Loss
Financing Receivable, Recorded Investment
2021	0
2020	16
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	16
Commercial Loans | Construction and development
Financing Receivable, Recorded Investment
2021	4,304
2020	12,761
2019	19,144
2018	9,042
2017	2,481
Prior	10,187
Revolving	158,838
Total loans, net of deferred loan costs	216,757
Commercial Loans | Construction and development | Pass
Financing Receivable, Recorded Investment
2021	4,304
2020	12,761
2019	19,144
2018	9,042
2017	2,481
Prior	9,010
Revolving	158,838
Total loans, net of deferred loan costs	215,580
Commercial Loans | Construction and development | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	624
Revolving	0
Total loans, net of deferred loan costs	624
Commercial Loans | Construction and development | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	553
Revolving	0
Total loans, net of deferred loan costs	553
Commercial Loans | Construction and development | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Construction and development | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Commercial and industrial
Financing Receivable, Recorded Investment
2021	7,657
2020	14,411
2019	24,612
2018	20,224
2017	29,488
Prior	14,044
Revolving	37,977
Total loans, net of deferred loan costs	148,413
Commercial Loans | Commercial and industrial | Pass
Financing Receivable, Recorded Investment
2021	7,657
2020	14,411
2019	23,496
2018	20,091
2017	19,799
Prior	13,747
Revolving	28,483
Total loans, net of deferred loan costs	127,684
Commercial Loans | Commercial and industrial | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	1,116
2018	0
2017	9,624
Prior	193
Revolving	9,494
Total loans, net of deferred loan costs	20,427
Commercial Loans | Commercial and industrial | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	133
2017	65
Prior	104
Revolving	0
Total loans, net of deferred loan costs	302
Commercial Loans | Commercial and industrial | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Commercial and industrial | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Equipment finance
Financing Receivable, Recorded Investment
2021	34,390
2020	131,532
2019	77,834
2018	7,057
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	250,813
Commercial Loans | Equipment finance | Pass
Financing Receivable, Recorded Investment
2021	34,390
2020	131,227
2019	76,761
2018	7,057
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	249,435
Commercial Loans | Equipment finance | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	131
2019	406
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	537
Commercial Loans | Equipment finance | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	174
2019	667
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	841
Commercial Loans | Equipment finance | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Equipment finance | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Municipal finance
Financing Receivable, Recorded Investment
2021	0
2020	21,521
2019	15,102
2018	20,487
2017	10,731
Prior	58,487
Revolving	4,009
Total loans, net of deferred loan costs	130,337
Commercial Loans | Municipal finance | Pass
Financing Receivable, Recorded Investment
2021	0
2020	21,521
2019	15,102
2018	20,487
2017	10,731
Prior	58,216
Revolving	4,009
Total loans, net of deferred loan costs	130,066
Commercial Loans | Municipal finance | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	271
Revolving	0
Total loans, net of deferred loan costs	271
Commercial Loans | Municipal finance | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Municipal finance | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Commercial Loans | Municipal finance | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans
Financing Receivable, Recorded Investment
2021	33,942
2020	109,329
2019	105,010
2018	98,755
2017	67,612
Prior	227,036
Revolving	232,321
Total loans, net of deferred loan costs	874,005
Retail Consumer Loans | Pass
Financing Receivable, Recorded Investment
2021	33,719
2020	108,182
2019	104,594
2018	97,844
2017	67,077
Prior	213,620
Revolving	231,447
Total loans, net of deferred loan costs	856,483
Retail Consumer Loans | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	4
2017	29
Prior	2,824
Revolving	0
Total loans, net of deferred loan costs	2,857
Retail Consumer Loans | Substandard
Financing Receivable, Recorded Investment
2021	223
2020	1,147
2019	416
2018	907
2017	506
Prior	10,390
Revolving	874
Total loans, net of deferred loan costs	14,463
Retail Consumer Loans | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	202
Revolving	0
Total loans, net of deferred loan costs	202
Retail Consumer Loans | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | One-to-four family
Financing Receivable, Recorded Investment
2021	20,156
2020	50,087
2019	66,389
2018	64,285
2017	52,183
Prior	201,485
Revolving	4,700
Total loans, net of deferred loan costs	459,285
Retail Consumer Loans | One-to-four family | Pass
Financing Receivable, Recorded Investment
2021	20,156
2020	49,079
2019	66,389
2018	64,066
2017	51,948
Prior	191,398
Revolving	4,700
Total loans, net of deferred loan costs	447,736
Retail Consumer Loans | One-to-four family | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	29
Prior	2,017
Revolving	0
Total loans, net of deferred loan costs	2,046
Retail Consumer Loans | One-to-four family | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	1,008
2019	0
2018	219
2017	206
Prior	7,868
Revolving	0
Total loans, net of deferred loan costs	9,301
Retail Consumer Loans | One-to-four family | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	202
Revolving	0
Total loans, net of deferred loan costs	202
Retail Consumer Loans | One-to-four family | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Recorded Investment
2021	1,021
2020	1,565
2019	1,638
2018	691
2017	790
Prior	12,263
Revolving	117,917
Total loans, net of deferred loan costs	135,885
Retail Consumer Loans | HELOCs - originated | Pass
Financing Receivable, Recorded Investment
2021	1,021
2020	1,565
2019	1,638
2018	691
2017	751
Prior	9,656
Revolving	117,713
Total loans, net of deferred loan costs	133,035
Retail Consumer Loans | HELOCs - originated | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	807
Revolving	0
Total loans, net of deferred loan costs	807
Retail Consumer Loans | HELOCs - originated | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	39
Prior	1,800
Revolving	204
Total loans, net of deferred loan costs	2,043
Retail Consumer Loans | HELOCs - originated | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | HELOCs - originated | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	61,535
Total loans, net of deferred loan costs	61,535
Retail Consumer Loans | HELOCs - purchased | Pass
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	60,875
Total loans, net of deferred loan costs	60,875
Retail Consumer Loans | HELOCs - purchased | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | HELOCs - purchased | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	660
Total loans, net of deferred loan costs	660
Retail Consumer Loans | HELOCs - purchased | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | HELOCs - purchased | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Recorded Investment
2021	103
2020	17,279
2019	5,105
2018	2,130
2017	0
Prior	6,392
Revolving	47,790
Total loans, net of deferred loan costs	78,799
Retail Consumer Loans | Construction and land/lots | Pass
Financing Receivable, Recorded Investment
2021	103
2020	17,279
2019	5,105
2018	2,025
2017	0
Prior	5,874
Revolving	47,790
Total loans, net of deferred loan costs	78,176
Retail Consumer Loans | Construction and land/lots | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | Construction and land/lots | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	105
2017	0
Prior	518
Revolving	0
Total loans, net of deferred loan costs	623
Retail Consumer Loans | Construction and land/lots | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | Construction and land/lots | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Recorded Investment
2021	11,876
2020	38,911
2019	25,435
2018	31,188
2017	14,431
Prior	6,625
Revolving	0
Total loans, net of deferred loan costs	128,466
Retail Consumer Loans | Indirect auto finance | Pass
Financing Receivable, Recorded Investment
2021	11,876
2020	38,790
2019	25,030
2018	30,623
2017	14,176
Prior	6,446
Revolving	0
Total loans, net of deferred loan costs	126,941
Retail Consumer Loans | Indirect auto finance | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | Indirect auto finance | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	121
2019	405
2018	565
2017	255
Prior	179
Revolving	0
Total loans, net of deferred loan costs	1,525
Retail Consumer Loans | Indirect auto finance | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | Indirect auto finance | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | Consumer
Financing Receivable, Recorded Investment
2021	786
2020	1,487
2019	6,443
2018	461
2017	208
Prior	271
Revolving	379
Total loans, net of deferred loan costs	10,035
Retail Consumer Loans | Consumer | Pass
Financing Receivable, Recorded Investment
2021	563
2020	1,469
2019	6,432
2018	439
2017	202
Prior	246
Revolving	369
Total loans, net of deferred loan costs	9,720
Retail Consumer Loans | Consumer | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	4
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	4
Retail Consumer Loans | Consumer | Substandard
Financing Receivable, Recorded Investment
2021	223
2020	18
2019	11
2018	18
2017	6
Prior	25
Revolving	10
Total loans, net of deferred loan costs	311
Retail Consumer Loans | Consumer | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	0
Retail Consumer Loans | Consumer | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	$ 0

Loans - Financing Receivable _2

Loans - Financing Receivable Credit Quality Indicators, Prior to Adoption of ASU 2016-13 (Details) $ in Thousands	Jun. 30, 2020USD ($)
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	$ 2,756,138
Pass
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	2,694,017
Special Mention
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	33,803
Substandard
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	28,095
Doubtful
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	207
Loss
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	16
Commercial Loans | Paycheck Protection Program
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	80,697
Commercial Loans | Commercial real estate
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	1,047,084
Commercial Loans | Construction and development
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	215,344
Commercial Loans | Commercial and industrial
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	153,263
Commercial Loans | Equipment finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	229,239
Commercial Loans | Municipal finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	127,987
Commercial Loans | Pass | Paycheck Protection Program
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	80,697
Commercial Loans | Pass | Commercial real estate
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	1,028,709
Commercial Loans | Pass | Construction and development
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	212,370
Commercial Loans | Pass | Commercial and industrial
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	130,202
Commercial Loans | Pass | Equipment finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	228,288
Commercial Loans | Pass | Municipal finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	127,706
Commercial Loans | Special Mention | Paycheck Protection Program
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	7,580
Commercial Loans | Special Mention | Construction and development
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	2,723
Commercial Loans | Special Mention | Commercial and industrial
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	20,439
Commercial Loans | Special Mention | Equipment finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	150
Commercial Loans | Special Mention | Municipal finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	281
Commercial Loans | Substandard | Paycheck Protection Program
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Substandard | Commercial real estate
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	10,779
Commercial Loans | Substandard | Construction and development
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	250
Commercial Loans | Substandard | Commercial and industrial
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	2,622
Commercial Loans | Substandard | Equipment finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	801
Commercial Loans | Substandard | Municipal finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Doubtful | Paycheck Protection Program
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Doubtful | Commercial real estate
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Doubtful | Construction and development
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	1
Commercial Loans | Doubtful | Commercial and industrial
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Doubtful | Equipment finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Doubtful | Municipal finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Loss | Paycheck Protection Program
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Loss | Commercial real estate
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	16
Commercial Loans | Loss | Construction and development
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Loss | Commercial and industrial
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Loss | Equipment finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Commercial Loans | Loss | Municipal finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | One-to-four family
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	469,220
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	137,447
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	71,781
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	81,514
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	132,303
Retail Consumer Loans | Consumer
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	10,259
Retail Consumer Loans | Pass | One-to-four family
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	458,248
Retail Consumer Loans | Pass | HELOCs - originated
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	134,697
Retail Consumer Loans | Pass | HELOCs - purchased
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	71,119
Retail Consumer Loans | Pass | Construction and land/lots
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	81,112
Retail Consumer Loans | Pass | Indirect auto finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	130,975
Retail Consumer Loans | Pass | Consumer
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	9,894
Retail Consumer Loans | Special Mention | One-to-four family
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	1,724
Retail Consumer Loans | Special Mention | HELOCs - originated
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	902
Retail Consumer Loans | Special Mention | HELOCs - purchased
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Special Mention | Construction and land/lots
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Special Mention | Indirect auto finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Special Mention | Consumer
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	4
Retail Consumer Loans | Substandard | One-to-four family
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	9,042
Retail Consumer Loans | Substandard | HELOCs - originated
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	1,848
Retail Consumer Loans | Substandard | HELOCs - purchased
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	662
Retail Consumer Loans | Substandard | Construction and land/lots
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	402
Retail Consumer Loans | Substandard | Indirect auto finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	1,328
Retail Consumer Loans | Substandard | Consumer
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	361
Retail Consumer Loans | Doubtful | One-to-four family
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	206
Retail Consumer Loans | Doubtful | HELOCs - originated
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Doubtful | HELOCs - purchased
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Doubtful | Construction and land/lots
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Doubtful | Indirect auto finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Doubtful | Consumer
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Loss | One-to-four family
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Loss | HELOCs - originated
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Loss | HELOCs - purchased
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Loss | Construction and land/lots
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Loss | Indirect auto finance
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	0
Retail Consumer Loans | Loss | Consumer
Financing Receivable, Recorded Investment
Non-purchased and purchased performing loans	$ 0

Loans - Schedule of PCI Loans C

Loans - Schedule of PCI Loans Credit Quality Indicators (Details) $ in Thousands	Jun. 30, 2020USD ($)
Financing Receivable, Recorded Investment
Total loans	$ 2,756,138
Pass
Financing Receivable, Recorded Investment
Total loans	2,694,017
Special Mention
Financing Receivable, Recorded Investment
Total loans	33,803
Substandard
Financing Receivable, Recorded Investment
Total loans	28,095
Doubtful
Financing Receivable, Recorded Investment
Total loans	207
Loss
Financing Receivable, Recorded Investment
Total loans	16
Commercial Loans | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	1,047,084
Commercial Loans | Construction and development
Financing Receivable, Recorded Investment
Total loans	215,344
Commercial Loans | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	153,263
Commercial Loans | Pass | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	1,028,709
Commercial Loans | Pass | Construction and development
Financing Receivable, Recorded Investment
Total loans	212,370
Commercial Loans | Pass | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	130,202
Commercial Loans | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	7,580
Commercial Loans | Special Mention | Construction and development
Financing Receivable, Recorded Investment
Total loans	2,723
Commercial Loans | Special Mention | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	20,439
Commercial Loans | Substandard | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	10,779
Commercial Loans | Substandard | Construction and development
Financing Receivable, Recorded Investment
Total loans	250
Commercial Loans | Substandard | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	2,622
Commercial Loans | Doubtful | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	0
Commercial Loans | Doubtful | Construction and development
Financing Receivable, Recorded Investment
Total loans	1
Commercial Loans | Doubtful | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	0
Commercial Loans | Loss | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	16
Commercial Loans | Loss | Construction and development
Financing Receivable, Recorded Investment
Total loans	0
Commercial Loans | Loss | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	0
Retail Consumer Loans | One-to-four family
Financing Receivable, Recorded Investment
Total loans	469,220
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Recorded Investment
Total loans	137,447
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	81,514
Retail Consumer Loans | Pass | One-to-four family
Financing Receivable, Recorded Investment
Total loans	458,248
Retail Consumer Loans | Pass | HELOCs - originated
Financing Receivable, Recorded Investment
Total loans	134,697
Retail Consumer Loans | Pass | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	81,112
Retail Consumer Loans | Special Mention | One-to-four family
Financing Receivable, Recorded Investment
Total loans	1,724
Retail Consumer Loans | Special Mention | HELOCs - originated
Financing Receivable, Recorded Investment
Total loans	902
Retail Consumer Loans | Special Mention | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	0
Retail Consumer Loans | Substandard | One-to-four family
Financing Receivable, Recorded Investment
Total loans	9,042
Retail Consumer Loans | Substandard | HELOCs - originated
Financing Receivable, Recorded Investment
Total loans	1,848
Retail Consumer Loans | Substandard | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	402
Retail Consumer Loans | Doubtful | One-to-four family
Financing Receivable, Recorded Investment
Total loans	206
Retail Consumer Loans | Doubtful | HELOCs - originated
Financing Receivable, Recorded Investment
Total loans	0
Retail Consumer Loans | Doubtful | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	0
Retail Consumer Loans | Loss | One-to-four family
Financing Receivable, Recorded Investment
Total loans	0
Retail Consumer Loans | Loss | HELOCs - originated
Financing Receivable, Recorded Investment
Total loans	0
Retail Consumer Loans | Loss | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans
Financing Receivable, Recorded Investment
Total loans	12,792
Purchased Credit Impaired (PCI) Loans | Pass
Financing Receivable, Recorded Investment
Total loans	8,110
Purchased Credit Impaired (PCI) Loans | Special Mention
Financing Receivable, Recorded Investment
Total loans	2,207
Purchased Credit Impaired (PCI) Loans | Substandard
Financing Receivable, Recorded Investment
Total loans	2,472
Purchased Credit Impaired (PCI) Loans | Doubtful
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Loss
Financing Receivable, Recorded Investment
Total loans	3
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	5,822
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Construction and development
Financing Receivable, Recorded Investment
Total loans	590
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	1,562
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Pass | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	3,181
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Pass | Construction and development
Financing Receivable, Recorded Investment
Total loans	271
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Pass | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	1,556
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	1,742
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Special Mention | Construction and development
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Special Mention | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Substandard | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	899
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Substandard | Construction and development
Financing Receivable, Recorded Investment
Total loans	319
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Substandard | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	3
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Doubtful | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Doubtful | Construction and development
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Doubtful | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Loss | Commercial real estate
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Loss | Construction and development
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Commercial Loans | Loss | Commercial and industrial
Financing Receivable, Recorded Investment
Total loans	3
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | One-to-four family
Financing Receivable, Recorded Investment
Total loans	4,473
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	345
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Pass | One-to-four family
Financing Receivable, Recorded Investment
Total loans	2,994
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Pass | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	108
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Special Mention | One-to-four family
Financing Receivable, Recorded Investment
Total loans	465
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Special Mention | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Substandard | One-to-four family
Financing Receivable, Recorded Investment
Total loans	1,014
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Substandard | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	237
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Doubtful | One-to-four family
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Doubtful | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Loss | One-to-four family
Financing Receivable, Recorded Investment
Total loans	0
Purchased Credit Impaired (PCI) Loans | Retail Consumer Loans | Loss | Construction and land/lots
Financing Receivable, Recorded Investment
Total loans	$ 0

Loans - Schedule of Past Due Fi

Loans - Schedule of Past Due Financing Receivables (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Financing Receivable, Past Due [Line Items]
Past Due	$ 9,861	$ 16,133
Current	2,759,535	2,752,797
Total Loans	2,769,396	2,768,930
30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	3,400	8,245
90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	6,461	7,888
Commercial Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,895,391	1,861,588
Commercial Loans | Paycheck Protection Program
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Current	80,816	80,697
Total Loans	80,816	80,697
Commercial Loans | 30-89 Days | Paycheck Protection Program
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Commercial Loans | 90 Days+ | Paycheck Protection Program
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Commercial Loans | Commercial real estate
Financing Receivable, Past Due [Line Items]
Past Due	2,108	7,420
Current	1,066,147	1,045,486
Total Loans	1,068,255	1,052,906
Commercial Loans | Commercial real estate | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	0	4,528
Commercial Loans | Commercial real estate | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	2,108	2,892
Commercial Loans | Construction and development
Financing Receivable, Past Due [Line Items]
Past Due	361	634
Current	216,396	215,300
Total Loans	216,757	215,934
Commercial Loans | Construction and development | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	0	293
Commercial Loans | Construction and development | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	361	341
Commercial Loans | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Past Due	119	91
Current	148,294	154,734
Total Loans	148,413	154,825
Commercial Loans | Commercial and industrial | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	29	0
Commercial Loans | Commercial and industrial | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	90	91
Commercial Loans | Equipment finance
Financing Receivable, Past Due [Line Items]
Past Due	580	801
Current	250,233	228,438
Total Loans	250,813	229,239
Commercial Loans | Equipment finance | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	0	303
Commercial Loans | Equipment finance | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	580	498
Commercial Loans | Municipal finance
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Current	130,337	127,987
Total Loans	130,337	127,987
Commercial Loans | Municipal finance | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Commercial Loans | Municipal finance | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Retail Consumer Loans
Financing Receivable, Past Due [Line Items]
Total Loans	874,005	907,342
Retail Consumer Loans | One-to-four family
Financing Receivable, Past Due [Line Items]
Past Due	4,375	4,826
Current	454,910	468,867
Total Loans	459,285	473,693
Retail Consumer Loans | One-to-four family | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	2,248	1,679
Retail Consumer Loans | One-to-four family | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	2,127	3,147
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Past Due [Line Items]
Past Due	681	752
Current	135,204	136,695
Total Loans	135,885	137,447
Retail Consumer Loans | HELOCs - originated | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	297	442
Retail Consumer Loans | HELOCs - originated | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	384	310
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Past Due [Line Items]
Past Due	192	261
Current	61,343	71,520
Total Loans	61,535	71,781
Retail Consumer Loans | HELOCs - purchased | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	145	214
Retail Consumer Loans | HELOCs - purchased | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	47	47
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Past Due [Line Items]
Past Due	249	252
Current	78,550	81,607
Total Loans	78,799	81,859
Retail Consumer Loans | Construction and land/lots | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Retail Consumer Loans | Construction and land/lots | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	249	252
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Past Due [Line Items]
Past Due	936	1,041
Current	127,530	131,262
Total Loans	128,466	132,303
Retail Consumer Loans | Indirect auto finance | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	454	756
Retail Consumer Loans | Indirect auto finance | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	482	285
Retail Consumer Loans | Consumer
Financing Receivable, Past Due [Line Items]
Past Due	260	55
Current	9,775	10,204
Total Loans	10,035	10,259
Retail Consumer Loans | Consumer | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	227	30
Retail Consumer Loans | Consumer | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	$ 33	$ 25

Loans - Schedule of Past Due Lo

Loans - Schedule of Past Due Loans Still Accruing and Nonaccruing Interest (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	$ 14,420	$ 15,923
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	6,069
Interest income recognized	483
Purchased Credit Impaired (PCI) Loans
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	965
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	7,841	8,869
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	4,665
Interest income recognized	232
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	554	465
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	78
Interest income recognized	29
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	250	259
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	26
Interest income recognized	38
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	668	801
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	516
Interest income recognized	0
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	2,746	3,582
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	784
Interest income recognized	99
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	619	531
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	0
Interest income recognized	34
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	660	662
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	0
Interest income recognized	7
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	249	37
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	0
Interest income recognized	6
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	797	668
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	0
Interest income recognized	32
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	36	$ 49
90 Days + & still accruing as of September 30, 2020	0
Nonaccrual with no allowance as of September 30, 2020	0
Interest income recognized	$ 6

Loans - Schedule of Allowance f

Loans - Schedule of Allowance for Credit Losses on Financing Receivables Table (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 28,072	$ 21,429	$ 21,429
Accounting Standards Update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member		us-gaap:AccountingStandardsUpdate201613Member
Provision for credit losses	$ 950	0
Charge-offs	(1,777)	(430)
Recoveries	1,078	315
Net charge-offs	(699)
Balance at end of period	43,132	21,314	$ 28,072
Impact of adoption ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	14,809
Balance at end of period			14,809
Retail Consumer Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	6,956	6,419	6,419
Provision for credit losses	658	(448)
Charge-offs	(682)	(395)
Recoveries	265	152
Net charge-offs	(417)
Balance at end of period	17,933	5,728	6,956
Retail Consumer Loans | Impact of adoption ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	10,736
Balance at end of period			10,736
Commercial Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	21,116	14,809	14,809
Provision for credit losses	292	455
Charge-offs	(1,095)	(35)
Recoveries	813	163
Net charge-offs	(282)
Balance at end of period	25,199	15,392	21,116
Commercial Loans | Impact of adoption ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	4,073
Balance at end of period			4,073
Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 182	201	201
Provision for credit losses		(7)
Charge-offs		0
Recoveries		0
Balance at end of period		$ 194	$ 182

Loans - Schedule of Ending Bala

Loans - Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jul. 01, 2020	Jun. 30, 2020	Sep. 30, 2019	Jun. 30, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	$ 206		$ 1,258
Allowance for credit losses, Loans collectively evaluated	42,926		26,632
Allowance for credit losses, Total	43,132	$ 28,072	28,072	$ 21,314	$ 21,429
Total loans receivable, Loans individually evaluated for impairment	11,378		14,486
Total loans receivable, Loans collectively evaluated	2,758,018		2,741,652
Total loans receivable	2,769,396		2,768,930
Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			182	194	201
Total loans receivable			12,792
Retail Consumer Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total	17,933	6,956	6,956	5,728	6,419
Total loans receivable	874,005		907,342
Retail Consumer Loans | One-to-four family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	16		52
Allowance for credit losses, Loans collectively evaluated	9,953		2,400
Allowance for credit losses, Total	9,969		2,469
Total loans receivable, Loans individually evaluated for impairment	3,269		4,304
Total loans receivable, Loans collectively evaluated	456,016		464,916
Total loans receivable	459,285		473,693
Retail Consumer Loans | One-to-four family | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			17
Total loans receivable			4,473
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	2,016		1,344
Allowance for credit losses, Total	2,016		1,344
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	135,885		137,447
Total loans receivable	135,885		137,447
Retail Consumer Loans | HELOCs - originated | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			0
Total loans receivable			0
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	932		430
Allowance for credit losses, Total	932		430
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	61,535		71,781
Total loans receivable	61,535		71,781
Retail Consumer Loans | HELOCs - purchased | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			0
Total loans receivable			0
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	1,599		1,409
Allowance for credit losses, Total	1,599		1,442
Total loans receivable, Loans individually evaluated for impairment	32		296
Total loans receivable, Loans collectively evaluated	78,767		81,218
Total loans receivable	78,799		81,859
Retail Consumer Loans | Construction and land/lots | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			33
Total loans receivable			345
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	3,139		1,136
Allowance for credit losses, Total	3,139		1,136
Total loans receivable, Loans individually evaluated for impairment	0		10
Total loans receivable, Loans collectively evaluated	128,466		132,293
Total loans receivable	128,466		132,303
Retail Consumer Loans | Indirect auto finance | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			0
Total loans receivable			0
Retail Consumer Loans | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	279		135
Allowance for credit losses, Total	279		135
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	10,035		10,259
Total loans receivable	10,035		10,259
Retail Consumer Loans | Consumer | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			0
Total loans receivable			0
Commercial Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total	25,199	$ 21,116	21,116	$ 15,392	$ 14,809
Total loans receivable	1,895,391		1,861,588
Commercial Loans | Paycheck Protection Program
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	0		0
Allowance for credit losses, Total	0		0
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	80,816		80,697
Total loans receivable	80,816		80,697
Commercial Loans | Purchased Credit Impaired (PCI) Loans | Paycheck Protection Program
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			0
Total loans receivable			0
Commercial Loans | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	90		961
Allowance for credit losses, Loans collectively evaluated	11,915		10,731
Allowance for credit losses, Total	12,005		11,805
Total loans receivable, Loans individually evaluated for impairment	6,552		7,924
Total loans receivable, Loans collectively evaluated	1,061,703		1,039,160
Total loans receivable	1,068,255		1,052,906
Commercial Loans | Commercial real estate | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			113
Total loans receivable			5,822
Commercial Loans | Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		5
Allowance for credit losses, Loans collectively evaluated	2,736		3,599
Allowance for credit losses, Total	2,736		3,608
Total loans receivable, Loans individually evaluated for impairment	80		299
Total loans receivable, Loans collectively evaluated	216,677		215,045
Total loans receivable	216,757		215,934
Commercial Loans | Construction and development | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			4
Total loans receivable			590
Commercial Loans | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	16		31
Allowance for credit losses, Loans collectively evaluated	3,564		2,153
Allowance for credit losses, Total	3,580		2,199
Total loans receivable, Loans individually evaluated for impairment	839		852
Total loans receivable, Loans collectively evaluated	147,574		152,411
Total loans receivable	148,413		154,825
Commercial Loans | Commercial and industrial | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			15
Total loans receivable			1,562
Commercial Loans | Equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	84		209
Allowance for credit losses, Loans collectively evaluated	6,355		2,598
Allowance for credit losses, Total	6,439		2,807
Total loans receivable, Loans individually evaluated for impairment	606		801
Total loans receivable, Loans collectively evaluated	250,207		228,438
Total loans receivable	250,813		229,239
Commercial Loans | Equipment finance | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			0
Total loans receivable			0
Commercial Loans | Municipal finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	0		0
Allowance for credit losses, Loans collectively evaluated	438		697
Allowance for credit losses, Total	438		697
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	130,337		127,987
Total loans receivable	$ 130,337		127,987
Commercial Loans | Municipal finance | Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total			0
Total loans receivable			$ 0

Loans - Schedule of Impaired Lo

Loans - Schedule of Impaired Loans and Related Allowance by Segment and Class (Details) $ in Thousands	Jun. 30, 2020USD ($)
Financing Receivable, Impaired
Unpaid principal balance	$ 46,865
Recorded investment with a recorded allowance	24,566
Recorded investment with no recorded allowance	5,663
Total	30,229
Related recorded allowance	1,708
Impaired loans not individually evaluated	15,743
Recorded allowance of impaired loans not individually evaluated	450
Commercial Loans | Commercial real estate
Financing Receivable, Impaired
Unpaid principal balance	10,401
Recorded investment with a recorded allowance	8,062
Recorded investment with no recorded allowance	1,068
Total	9,130
Related recorded allowance	976
Commercial Loans | Construction and development
Financing Receivable, Impaired
Unpaid principal balance	1,785
Recorded investment with a recorded allowance	818
Recorded investment with no recorded allowance	80
Total	898
Related recorded allowance	11
Commercial Loans | Commercial and industrial
Financing Receivable, Impaired
Unpaid principal balance	9,782
Recorded investment with a recorded allowance	1,058
Recorded investment with no recorded allowance	26
Total	1,084
Related recorded allowance	34
Commercial Loans | Equipment finance
Financing Receivable, Impaired
Unpaid principal balance	2,631
Recorded investment with a recorded allowance	303
Recorded investment with no recorded allowance	498
Total	801
Related recorded allowance	209
Retail Consumer Loans | One-to-four family
Financing Receivable, Impaired
Unpaid principal balance	16,560
Recorded investment with a recorded allowance	10,805
Recorded investment with no recorded allowance	3,374
Total	14,179
Related recorded allowance	412
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Impaired
Unpaid principal balance	2,087
Recorded investment with a recorded allowance	1,585
Recorded investment with no recorded allowance	53
Total	1,638
Related recorded allowance	43
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Impaired
Unpaid principal balance	662
Recorded investment with a recorded allowance	662
Recorded investment with no recorded allowance	0
Total	662
Related recorded allowance	3
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Impaired
Unpaid principal balance	1,585
Recorded investment with a recorded allowance	749
Recorded investment with no recorded allowance	296
Total	1,045
Related recorded allowance	13
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Impaired
Unpaid principal balance	1,075
Recorded investment with a recorded allowance	486
Recorded investment with no recorded allowance	241
Total	727
Related recorded allowance	5
Retail Consumer Loans | Consumer
Financing Receivable, Impaired
Unpaid principal balance	297
Recorded investment with a recorded allowance	38
Recorded investment with no recorded allowance	27
Total	65
Related recorded allowance	$ 2

Loans - Schedule of Average Rec

Loans - Schedule of Average Recorded Investment in Loans, Interest Income Recognized (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2019USD ($)
Financing Receivable, Impaired
Average recorded investment	$ 32,209
Interest income recognized	379
Retail Consumer Loans | One-to-four family
Financing Receivable, Impaired
Average recorded investment	15,338
Interest income recognized	206
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Impaired
Average recorded investment	1,873
Interest income recognized	29
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Impaired
Average recorded investment	571
Interest income recognized	3
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Impaired
Average recorded investment	1,195
Interest income recognized	24
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Impaired
Average recorded investment	448
Interest income recognized	5
Retail Consumer Loans | Consumer
Financing Receivable, Impaired
Average recorded investment	47
Interest income recognized	3
Commercial Loans | Commercial real estate
Financing Receivable, Impaired
Average recorded investment	9,614
Interest income recognized	77
Commercial Loans | Construction and development
Financing Receivable, Impaired
Average recorded investment	1,686
Interest income recognized	14
Commercial Loans | Commercial and industrial
Financing Receivable, Impaired
Average recorded investment	734
Interest income recognized	10
Commercial Loans | Equipment finance
Financing Receivable, Impaired
Average recorded investment	703
Interest income recognized	$ 8

Loans - Schedule of Changes in

Loans - Schedule of Changes in Accretable Yield for Purchased Impaired Loans (Details) - Purchased Credit Impaired (PCI) Loans $ in Thousands	3 Months Ended
	Sep. 30, 2019USD ($)
Changes in Accretable Yield [Roll Forward]
Accretable yield, beginning of period	$ 5,259
Reclass from nonaccretable yield	115
Other changes, net	(14)
Interest income	(444)
Accretable yield, end of period	$ 4,916

Loans - Breakdown Between Loans

Loans - Breakdown Between Loans Identified as CDAs and Non-CDAs (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	$ 2,769,396	$ 2,768,930
Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,895,391	1,861,588
Commercial Loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	80,816	80,697
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,068,255	1,052,906
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	216,757	215,934
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	148,413	154,825
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	250,813	229,239
Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	130,337	127,987
Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	874,005	907,342
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	459,285	473,693
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	135,885	137,447
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	61,535	71,781
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	78,799	81,859
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	128,466	132,303
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	10,035	$ 10,259
Residential Property
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,085
Total Collateral Value	1,205
Residential Property | Commercial Loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,085
Residential Property | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Residential Property | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	3,876
Total Collateral Value	3,924
Investment Property | Commercial Loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	3,798
Investment Property | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	78
Investment Property | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Investment Property | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	2,468
Total Collateral Value	2,732
Commercial Property | Commercial Loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	2,468
Commercial Property | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Commercial Property | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	541
Total Collateral Value	565
Business Assets | Commercial Loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	25
Business Assets | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	516
Business Assets | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Business Assets | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Total Collateral Value	0
Other | Commercial Loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Other | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0
Financial Assets Not Considered Collateral Dependent
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	2,761,426
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	80,816
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,061,989
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	216,679
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	148,388
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	250,297
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	130,337
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	458,200
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	135,885
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	61,535
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	78,799
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	128,466
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	$ 10,035

Loans - Schedule of Debt Restru

Loans - Schedule of Debt Restructurings on Financing Receivables (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan
Financing Receivable, Modifications
Number of loans | loan	7	8
Pre-modification outstanding recorded investment	$ 4,512	$ 117
Post-modification outstanding recorded investment	$ 3,878	$ 113
Commercial Loans | Other TDR | Commercial and industrial
Financing Receivable, Modifications
Number of loans | loan	1	0
Pre-modification outstanding recorded investment	$ 4,407	$ 0
Post-modification outstanding recorded investment	$ 3,800	$ 0
Retail Consumer Loans | Extended Maturity | One-to-four family
Financing Receivable, Modifications
Number of loans | loan	0	1
Pre-modification outstanding recorded investment	$ 0	$ 14
Post-modification outstanding recorded investment	$ 0	$ 14
Retail Consumer Loans | Other TDR | One-to-four family
Financing Receivable, Modifications
Number of loans | loan	0	3
Pre-modification outstanding recorded investment	$ 0	$ 35
Post-modification outstanding recorded investment	$ 0	$ 34
Retail Consumer Loans | Other TDR | Indirect auto finance
Financing Receivable, Modifications
Number of loans | loan	6	4
Pre-modification outstanding recorded investment	$ 105	$ 68
Post-modification outstanding recorded investment	$ 78	$ 65

Loans - Schedule of Troubled De

Loans - Schedule of Troubled Debt Restructurings With Payment Default (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan
Financing Receivable, Modifications
Number of loans | loan	1	3
Recorded investment | $	$ 11	$ 124
Retail Consumer Loans | Other TDR | One-to-four family
Financing Receivable, Modifications
Number of loans | loan	0	2
Recorded investment | $	$ 0	$ 122
Retail Consumer Loans | Other TDR | Indirect auto finance
Financing Receivable, Modifications
Number of loans | loan	1	0
Recorded investment | $	$ 11	$ 0
Retail Consumer Loans | Other TDR | Consumer
Financing Receivable, Modifications
Number of loans | loan	0	1
Recorded investment | $	$ 0	$ 2

Loans Loans - Schedule of Payme

Loans Loans - Schedule of Payment Deferrals by Loan Type (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Aug. 31, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 91,244	$ 115,238	$ 551,331
Percent of Total Loan Portfolio	3.30%	4.30%	20.60%
Lodging
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 60,782	$ 64,686	$ 108,171
Percent of Total Loan Portfolio	2.20%	2.40%	4.00%
Other commercial real estate, construction and development, and commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 27,169	$ 43,056	$ 367,443
Percent of Total Loan Portfolio	1.00%	1.60%	13.70%
Equipment finance
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 2,187	$ 4,547	$ 33,693
Percent of Total Loan Portfolio	0.10%	0.20%	1.30%
One-to-four family
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 684	$ 2,360	$ 36,821
Percent of Total Loan Portfolio	0.00%	0.10%	1.40%
Other consumer loans
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 422	$ 589	$ 5,203
Percent of Total Loan Portfolio	0.00%	0.00%	0.20%

Real Estate Owned (Details)

Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020
Real Estate Properties [Line Items]
Balance at beginning of period	$ 337	$ 2,929
Transfers from loans	0	46
Sales, net of gain or loss	(193)	(381)
Writedowns	0	(12)
Balance at end of period	144	$ 2,582
Consumer | Retail Consumer Loans
Real Estate Properties [Line Items]
Balance at beginning of period	97
Balance at end of period	0
Residential real estate in the process of foreclosure	$ 555		$ 1,318

Net Income per Share - Schedule

Net Income per Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Numerator:
Net income	$ 5,753	$ 8,804
Allocation of earnings to participating securities	(50)	(68)
Numerator for basic EPS - Net income available to common stockholders	5,703	8,736
Dilutive effect to participating securities	6	8
Numerator for diluted EPS	$ 5,709	$ 8,744
Denominator:
Weighted-average common shares outstanding - basic	16,230,990	17,097,647
Effect of dilutive shares	238,252	656,010
Weighted-average common shares outstanding - diluted	16,469,242	17,753,657
Net income per share - basic (in dollars per share)	$ 0.35	$ 0.51
Net income per share - diluted (in dollars per share)	$ 0.35	$ 0.49

Net Income per Share - Antidilu

Net Income per Share - Antidilutive Stock Options (Details) - shares	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	573,900	470,800

Equity Incentive Plan - Narrati

Equity Incentive Plan - Narrative (Details) - USD ($) $ in Thousands	Jan. 17, 2013	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Equity incentive plan name	2013 Omnibus Incentive Plan
Nonvested, number of shares (in shares)		312,300	401,800
Remaining contractual life (years)		4 years 1 month 6 days	4 years 10 months 24 days	4 years 4 months 24 days	5 years
Options outstanding (in shares)			401,800
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost not yet recognized		$ 1,535	$ 2,052
Compensation cost not yet recognized, period for recognition (in years)		1 year 6 months	1 year 8 months 12 days
Stock Options | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Remaining contractual life (years)			5 years
Stock Options | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Remaining contractual life (years)		5 years	7 years
Performance Restricted Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested (in shares)		16,440	10,375
Vesting period		3 years
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost not yet recognized, period for recognition (in years)		1 year 7 months 6 days	1 year 8 months 12 days
Compensation not yet recognized, share-based awards other than options		$ 2,715	$ 2,579
Non-vested (in shares)		141,246	133,200	144,046	123,800
Restricted Stock | Vesting Period One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		3 years	3 years
Restricted Stock | Vesting Period Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		5 years	5 years
Restricted Stock | Vesting Period Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			7 years
2013 Omnibus Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Equity incentive plan description	provides for awards of restricted stock, restricted stock units, stock options, stock appreciation rights and cash awards to directors, directors emeritus, officers, employees and advisory directors
Number of shares authorized (in shares)	2,962,400
Shares held for awards of stock options and stock appreciation rights (in shares)	2,116,000
Shares held for awards of restricted stock and restricted stock units (in shares)	846,400

Equity Incentive Plan Equity In

Equity Incentive Plan Equity Incentive Plan - Share Based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Share-based Payment Arrangement [Abstract]
Share-based compensation expense	$ 506	$ 443
Share-based compensation expense, tax related benefit	$ 119	$ 104

Equity Incentive Plan - Stock O

Equity Incentive Plan - Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Options
Options Outstanding, Beginning of Period (in shares)	1,615,500	1,657,214	1,657,214
Granted (in shares)		25,000
Exercised (in shares)		13,400
Forfeited (in shares)	200	800
Options Outstanding, End of period (in shares)	1,615,300	1,668,014	1,615,500	1,657,214
Exercisable (in shares)	1,303,000	1,266,214
Weighted- average exercise price
Options Outstanding, Beginning of Period (in usd per share)	$ 18.12	$ 17.59	$ 17.59
Granted (in usd per share)		25.37
Exercised (in usd per share)		14.50
Forfeited (in usd per share)	24.95	17.35
Options Outstanding, End of Period (in usd per share)	18.12	17.73	$ 18.12	$ 17.59
Exercisable (in usd per share)	$ 16.31	$ 15.40
Remaining contractual life (years)	4 years 1 month 6 days	4 years 10 months 24 days	4 years 4 months 24 days	5 years
Exercisable (in years)	3 years 3 months 18 days	3 years 9 months 18 days
Aggregate intrinsic value	$ 0	$ 13,969	$ 1,711	$ 12,909
Aggregate intrinsic value	$ 0	$ 13,509
Non-vested Options
Nonvested, number of shares (in shares)	312,300	401,800
Nonvested, weighted average grant date fair value (in dollars per share)	$ 25.68	$ 25.07
Nonvested, contractual term (in years)	7 years 7 months 6 days	8 years 1 month 6 days
Nonvested, intrinsic value	$ 0	$ 460

Equity Incentive Plan - Assumpt

Equity Incentive Plan - Assumptions Used in Estimating Fair Value (Details)	3 Months Ended
	Sep. 30, 2019$ / shares
Share-based Payment Arrangement [Abstract]
Weighted-average volatility	17.84%
Expected dividend yield	0.95%
Risk-free interest rate	1.55%
Expected life (years)	6 years 6 months
Weighted-average fair value of options granted (in dollars per share)	$ 4.67

Equity Incentive Plan - Schedul

Equity Incentive Plan - Schedule of Nonvested Restricted Stock Units Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Weighted- average grant date fair value
Aggregate intrinsic value	$ 0	$ 13,509
Restricted Stock
Restricted stock awards
Non-vested, Beginning Balance (in shares)	144,046	123,800
Granted (in shares)		13,000
Vested (in shares)	2,600	400
Forfeited (in shares)	200	3,200
Non-vested, Ending Balance (in shares)	141,246	133,200
Weighted- average grant date fair value
Non-vested, Beginning Balance (in usd per share)	$ 25.89	$ 24.65
Granted (in usd per share)		25.37
Vested (in usd per share)	25.37	19.02
Forfeitures (in dollars per share)	24.95	20.62
Non-vested, Ending Balance (in usd per share)	$ 25.90	$ 24.83
Aggregate intrinsic value	$ 1,918	$ 2,256	$ 2,305	$ 2,258

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Sep. 30, 2020	Dec. 31, 2019	Jun. 30, 2020
Other Commitments
Unused commitments to extend credit	$ 104,441		$ 57,798
Variable rate commitments	31,266	$ 10,678
Fixed rate commitments	73,175	$ 47,120
Remaining borrowing capacity	396,467		398,781
Letters of credit outstanding	$ 7,768		7,766
Minimum
Other Commitments
Fixed interest rate (as a percent)	1.09%	1.74%
Loan Commitments Terms		3 years
Maximum
Other Commitments
Fixed interest rate (as a percent)	8.28%	8.54%
Loan Commitments Terms		30 years
Construction and development
Other Commitments
Unused commitments to extend credit	$ 130,561		$ 141,557

Fair Value of Financial Instr_3

Fair Value of Financial Instruments - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 96,159	$ 127,517
Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	96,159	127,517
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
US Government Agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	4,164	4,173
US Government Agencies | Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
US Government Agencies | Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	4,164	4,173
US Government Agencies | Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Residential MBS of U.S. Government Agencies and GSEs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	44,181	48,335
Residential MBS of U.S. Government Agencies and GSEs | Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Residential MBS of U.S. Government Agencies and GSEs | Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	44,181	48,335
Residential MBS of U.S. Government Agencies and GSEs | Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	14,841	16,631
Municipal Bonds | Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Municipal Bonds | Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	14,841	16,631
Municipal Bonds | Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Corporate Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	32,973	58,378
Corporate Bonds | Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Corporate Bonds | Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	32,973	58,378
Corporate Bonds | Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 0	$ 0

Fair Value of Financial Instr_4

Fair Value of Financial Instruments - Schedule of Fair Value Measurements, Nonrecurring (Details) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		$ 9,265
Individually evaluated loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 5,150	9,168
REO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		97
Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		0
Fair Value, Inputs, Level 1 | Individually evaluated loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Fair Value, Inputs, Level 1 | REO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		0
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		0
Fair Value, Inputs, Level 2 | Individually evaluated loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	0	0
Fair Value, Inputs, Level 2 | REO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		0
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		9,265
Fair Value, Inputs, Level 3 | Individually evaluated loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 5,150	9,168
Fair Value, Inputs, Level 3 | REO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis		$ 97

Fair Value of Financial Instr_5

Fair Value of Financial Instruments - Schedule of Quantitative Information About Level 3 Fair Value Measurements (Details) $ in Thousands	Sep. 30, 2020USD ($)	Jun. 30, 2020USD ($)
Minimum | Fair Value, Inputs, Level 3 | Individually evaluated loans | Collateral discounts
Level 3 fair value measurements during the period	0
Minimum | Fair Value, Inputs, Level 3 | Individually evaluated loans | Discount Spread
Level 3 fair value measurements during the period	0.02
Maximum | Fair Value, Inputs, Level 3 | Individually evaluated loans | Collateral discounts
Level 3 fair value measurements during the period	0.63
Maximum | Fair Value, Inputs, Level 3 | Individually evaluated loans | Discount Spread
Level 3 fair value measurements during the period	0.03
Weighted Average | Fair Value, Inputs, Level 3 | Individually evaluated loans | Collateral discounts and discount spread
Level 3 fair value measurements during the period	0.12
Fair Value, Measurements, Nonrecurring
Fair value		$ 9,265
Fair Value, Measurements, Nonrecurring | Individually evaluated loans
Fair value	$ 5,150	9,168
Fair Value, Measurements, Nonrecurring | REO
Fair value		97
Fair Value, Measurements, Nonrecurring | Fair Value, Inputs, Level 3
Fair value		9,265
Fair Value, Measurements, Nonrecurring | Fair Value, Inputs, Level 3 | Individually evaluated loans
Fair value	$ 5,150	9,168
Fair Value, Measurements, Nonrecurring | Fair Value, Inputs, Level 3 | REO
Fair value		$ 97

Fair Value of Financial Instr_6

Fair Value of Financial Instruments - Schedule of Fair Value, by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Fair Value, Inputs, Level 1 | Cash and interest-bearing deposits
Financial Instruments Owned	$ 171,144	$ 121,622
Fair Value, Inputs, Level 1 | Commercial paper
Financial Instruments Owned	204,867	304,967
Fair Value, Inputs, Level 1 | Certificates of deposit in other banks
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Securities available for sale
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Loans, net
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Loans held for sale
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | FHLB Stock
Financial Instruments Owned	23,309	23,309
Fair Value, Inputs, Level 1 | FRB Stock
Financial Instruments Owned	7,371	7,368
Fair Value, Inputs, Level 1 | Small Business Investment Company Funds
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Accrued interest receivable
Financial Instruments Owned	0	208
Fair Value, Inputs, Level 1 | Noninterest-bearing and NOW deposits
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Money market accounts
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Savings accounts
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Certificates of deposit
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Other borrowings
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Accrued interest payable
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | Cash and interest-bearing deposits
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | Commercial paper
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | Certificates of deposit in other banks
Financial Instruments Owned	52,361	55,689
Fair Value, Inputs, Level 2 | Securities available for sale
Financial Instruments Owned	96,159	127,537
Fair Value, Inputs, Level 2 | Loans, net
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | Loans held for sale
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | FHLB Stock
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | FRB Stock
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | Small Business Investment Company Funds
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | Accrued interest receivable
Financial Instruments Owned	789	744
Fair Value, Inputs, Level 2 | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,067,125	1,012,200
Fair Value, Inputs, Level 2 | Money market accounts
Financial Instruments Owned	826,970	836,738
Fair Value, Inputs, Level 2 | Savings accounts
Financial Instruments Owned	202,787	197,676
Fair Value, Inputs, Level 2 | Certificates of deposit
Financial Instruments Owned	649,685	745,078
Fair Value, Inputs, Level 2 | Other borrowings
Financial Instruments Owned	490,822	511,529
Fair Value, Inputs, Level 2 | Accrued interest payable
Financial Instruments Owned	719	1,087
Fair Value, Inputs, Level 3 | Cash and interest-bearing deposits
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Commercial paper
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Certificates of deposit in other banks
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Securities available for sale
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Loans, net
Financial Instruments Owned	2,688,377	2,692,265
Fair Value, Inputs, Level 3 | Loans held for sale
Financial Instruments Owned	126,670	78,129
Fair Value, Inputs, Level 3 | FHLB Stock
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | FRB Stock
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Small Business Investment Company Funds
Financial Instruments Owned	8,269	8,269
Fair Value, Inputs, Level 3 | Accrued interest receivable
Financial Instruments Owned	9,859	11,360
Fair Value, Inputs, Level 3 | Noninterest-bearing and NOW deposits
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Money market accounts
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Savings accounts
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Certificates of deposit
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Other borrowings
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 3 | Accrued interest payable
Financial Instruments Owned	0	0
Carrying Value | Cash and interest-bearing deposits
Financial Instruments Owned	171,144	121,622
Carrying Value | Commercial paper
Financial Instruments Owned	204,867	304,967
Carrying Value | Certificates of deposit in other banks
Financial Instruments Owned	52,361	55,689
Carrying Value | Securities available for sale
Financial Instruments Owned	96,159	127,537
Carrying Value | Loans, net
Financial Instruments Owned	2,726,264	2,741,047
Carrying Value | Loans held for sale
Financial Instruments Owned	124,985	77,177
Carrying Value | FHLB Stock
Financial Instruments Owned	23,309	23,309
Carrying Value | FRB Stock
Financial Instruments Owned	7,371	7,368
Carrying Value | Small Business Investment Company Funds
Financial Instruments Owned	8,269	8,269
Carrying Value | Accrued interest receivable
Financial Instruments Owned	10,648	12,312
Carrying Value | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,067,125	1,012,200
Carrying Value | Money market accounts
Financial Instruments Owned	826,970	836,738
Carrying Value | Savings accounts
Financial Instruments Owned	202,787	197,676
Carrying Value | Certificates of deposit
Financial Instruments Owned	645,164	739,142
Carrying Value | Other borrowings
Financial Instruments Owned	475,000	475,000
Carrying Value | Accrued interest payable
Financial Instruments Owned	719	1,087
Fair Value | Cash and interest-bearing deposits
Financial Instruments Owned	171,144	121,622
Fair Value | Commercial paper
Financial Instruments Owned	204,867	304,967
Fair Value | Certificates of deposit in other banks
Financial Instruments Owned	52,361	55,689
Fair Value | Securities available for sale
Financial Instruments Owned	96,159	127,537
Fair Value | Loans, net
Financial Instruments Owned	2,688,377	2,692,265
Fair Value | Loans held for sale
Financial Instruments Owned	126,670	78,129
Fair Value | FHLB Stock
Financial Instruments Owned	23,309	23,309
Fair Value | FRB Stock
Financial Instruments Owned	7,371	7,368
Fair Value | Small Business Investment Company Funds
Financial Instruments Owned	8,269	8,269
Fair Value | Accrued interest receivable
Financial Instruments Owned	10,648	12,312
Fair Value | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,067,125	1,012,200
Fair Value | Money market accounts
Financial Instruments Owned	826,970	836,738
Fair Value | Savings accounts
Financial Instruments Owned	202,787	197,676
Fair Value | Certificates of deposit
Financial Instruments Owned	649,685	745,078
Fair Value | Other borrowings
Financial Instruments Owned	490,822	511,529
Fair Value | Accrued interest payable
Financial Instruments Owned	$ 719	$ 1,087

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value off-balance sheet risks, amount, liability	$ 631,469	$ 598,136

Leases - Supplement Balance She

Leases - Supplement Balance Sheet (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020
Leases [Abstract]
Renewal term (in years)	15 years
ROU assets	$ 4,827		$ 4,601
Lease liabilities	$ 4,824		$ 4,590
Weighted-average remaining lease terms	4 years 9 months 14 days		5 years 7 days
Weighted-average discount rate	2.81%		2.97%
Finance lease, right-of-use asset	$ 2,052		$ 2,052
Finance lease, liability	1,833		$ 1,843
Finance lease, interest expense	$ 24	$ 24
Finance lease, discount rate	5.18%

Leases - Maturity Schedule for

Leases - Maturity Schedule for Finance and Operating Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
Operating Leases
Remaining 2021	$ 987
2022	1,248
2023	1,200
2024	735
2025	349
Thereafter	676
Total of future minimum payments	5,195
Finance Leases
Remaining 2021	100
2022	134
2023	134
2024	145
2025	146
Thereafter	1,848
Total minimum lease payments	2,507
Less: amount representing interest	(674)
Present value of net minimum lease payments	$ 1,833	$ 1,843

Leases - Schedule of Lease Cost

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Leases [Abstract]
Operating lease cost (included in occupancy expense)	$ 439	$ 473
Total operating lease expense, net	(61)	(64)
Total operating lease expense, net	$ 378	$ 409

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Leases [Abstract]
ROU assets - noncash additions (operating leases)	$ 533	$ 5,296
ROU assets - noncash addition (finance lease)	0	2,052
Cash paid for amounts included in the measurement of lease liabilities (operating leases)	524	558
Cash paid for amounts included in the measurement of lease liabilities (finance leases)	$ 33	$ 33

Leases - Lessor, Lease Income (

Leases - Lessor, Lease Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020
Lessor, Lease, Description [Line Items]
Leased asset	$ 22,540		$ 21,595
Operating lease, residual value of leased asset	10,971		12,370
Operating lease, lease income	1,325	$ 568
Depreciation expense	1,541	350
Direct financing lease, interest income	530	$ 319
Lease receivables	$ 48,358		$ 44,927
Minimum
Lessor, Lease, Description [Line Items]
Term of contract	1 year
Maximum
Lessor, Lease, Description [Line Items]
Term of contract	5 years

Leases - Lessor, Fiscal Year Ma

Leases - Lessor, Fiscal Year Maturity Schedule (Details) $ in Thousands	Sep. 30, 2020USD ($)
Lessor, Operating Lease, Payments, Fiscal Year Maturity [Abstract]
Remaining 2021	$ 5,295
2022	4,002
2023	2,366
2024	709
2025	180
Thereafter	13
Total of future minimum payments	12,565
Financing Leases
Remaining 2021	9,457
2022	12,324
2023	12,084
2024	10,385
2025	7,195
Thereafter	1,676
Total minimum payments	53,121
Less: amount representing interest	(4,763)
Total	$ 48,358