HomeTrust Bancshares (HTBI) 10-Q 5 Feb 21 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Dec. 31, 2020	Feb. 03, 2021
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Dec. 31, 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		16,686,601
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	Dec. 31, 2020	Jun. 30, 2020	[1]
Assets
Cash	$ 27,365	$ 31,908
Interest-bearing deposits	198,979	89,714
Cash and cash equivalents	226,344	121,622
Commercial paper, net	183,778	304,967
Certificates of deposit in other banks	48,637	55,689
Debt securities available for sale, at fair value (amortized cost of $150,807 and $124,918 at December 31, 2020 and June 30, 2020, respectively)	153,540	127,537
Other investments, at cost	39,572	38,946
Loans held for sale	118,439	77,177
Total loans, net of deferred loan costs	2,678,624	2,769,119
Allowance for credit losses	(39,844)	(28,072)
Total loans	2,638,780	2,741,047
Premises and equipment, net	70,104	58,462
Accrued interest receivable	9,796	12,312
REO	252	337
Deferred income taxes	18,626	16,334
BOLI	93,326	92,187
Goodwill	25,638	25,638
Core deposit intangibles	638	1,078
Other assets	52,501	49,519
Total assets acquired	3,679,971	3,722,852
Liabilities
Deposits	2,743,269	2,785,756
Borrowings	475,000	475,000
Other liabilities	56,978	53,833
Total liabilities assumed	3,275,247	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, 16,791,027 shares     issued and outstanding at December 31, 2020; 17,021,357 at June 30, 2020	168	170
Additional paid in capital	166,352	169,648
Retained earnings	242,182	242,776
Unearned ESOP shares	(6,083)	(6,348)
Accumulated other comprehensive income	2,105	2,017
Total stockholders' equity	404,724	408,263
Total Liabilities and Stockholders' Equity	$ 3,679,971	$ 3,722,852
[1]	Derived from audited financial statements.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Statement of Financial Position [Abstract]
Debt securities available for sale, at fair value, amortized cost	$ 150,807	$ 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	16,791,027	17,021,357
Common stock shares outstanding	16,791,027	17,021,357

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Interest and Dividend Income
Loans	$ 28,343	$ 32,119	$ 56,935	$ 64,385
Commercial paper and interest-bearing deposits	614	1,912	1,495	4,165
Securities available for sale	504	1,093	1,032	1,989
Other investments	696	772	1,144	1,604
Total interest and dividend income	30,157	35,896	60,606	72,143
Interest Expense
Deposits	2,347	6,321	5,600	12,174
Borrowings	1,688	2,541	3,375	5,862
Total interest expense	4,035	8,862	8,975	18,036
Net Interest Income	26,122	27,034	51,631	54,107
Total provision (benefit) for credit losses	(3,030)	400	(2,080)	400
Net Interest Income after Provision (Benefit) for Credit Losses	29,152	26,634	53,711	53,707
Noninterest Income
Service charges and fees on deposit accounts	2,416	2,605	4,513	5,048
Loan income and fees	569	871	1,043	1,753
Gain on sale of loans held for sale	3,704	3,775	7,048	6,074
BOLI income	511	509	1,043	1,206
Other, net	2,144	1,314	4,336	2,653
Total noninterest income	9,344	9,074	17,983	16,734
Noninterest Expense
Salaries and employee benefits	15,700	14,170	30,907	28,082
Net occupancy expense	2,261	2,384	4,554	4,726
Computer services	2,220	1,985	4,527	4,009
Telephone, postage, and supplies	871	798	1,533	1,600
Marketing and advertising	327	641	652	1,320
Deposit insurance premiums	487	12	998	12
Loss (gain) on sale and impairment of REO	0	122	(35)	103
REO expense	165	238	413	496
Core deposit intangible amortization	202	373	440	784
Other	4,210	3,318	8,454	6,442
Total noninterest expense	26,443	24,041	52,443	47,574
Income Before Income Taxes	12,053	11,667	19,251	22,867
Income Tax Expense	2,592	2,476	4,037	4,872
Net Income	$ 9,461	$ 9,191	$ 15,214	$ 17,995
Net income per common share:
Basic (in dollars per share)	$ 0.58	$ 0.54	$ 0.93	$ 1.05
Diluted (in dollars per share)	$ 0.57	$ 0.52	$ 0.92	$ 1.01
Average shares outstanding:
Basic (in shares)	16,202,844	16,906,457	16,216,917	17,002,052
Diluted (in shares)	16,563,359	17,567,680	16,514,831	17,660,687

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net Income	$ 9,461	$ 9,191	$ 15,214	$ 17,995
Other Comprehensive Income (Loss)
Gains (losses) arising during the period	(84)	(270)	114	25
Deferred income tax benefit (expense)	19	62	(26)	(6)
Total other comprehensive income (loss)	(65)	(208)	88	19
Comprehensive Income	$ 9,396	$ 8,983	$ 15,302	$ 18,014

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 (loss)
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	17,995				17,995
Cash dividends declared on common stock, $0.15/common share	(2,228)				(2,228)
Shares repurchased (in shares)			(396,421)
Stock repurchased	$ (10,219)		$ (4)	(10,215)
Forfeited restricted stock (in shares)			(3,200)
Granted restricted stock (in shares)			13,000
Exercised stock options (in shares)	66,900		66,900
Exercised stock options	$ 963			962
Stock option expense	388			388
Restricted stock expense	495			495
ESOP shares allocated	686			421			265
Other comprehensive loss	19							19
Balance at end of period (in shares) at Dec. 31, 2019			17,664,384
Balance at end of period at Dec. 31, 2019	416,995		$ 177	182,366	240,312		(6,612)	752
Balance at beginning of period (in shares) at Sep. 30, 2019			17,818,145
Balance at beginning of period at Sep. 30, 2019	413,068		$ 178	186,359	232,315		(6,744)	960
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	9,191				9,191
Cash dividends declared on common stock, $0.15/common share	(1,194)				(1,194)
Shares repurchased (in shares)			(207,261)
Stock repurchased	(5,419)		$ (2)	(5,417)
Exercised stock options (in shares)			53,500
Exercised stock options	769			768
Stock option expense	190			190
Restricted stock expense	250			250
ESOP shares allocated	348			216			132
Other comprehensive loss	(208)							(208)
Balance at end of period (in shares) at Dec. 31, 2019			17,664,384
Balance at end of period at Dec. 31, 2019	$ 416,995		$ 177	182,366	240,312		(6,612)	752
Balance at beginning of period (in shares) at Jun. 30, 2020	17,021,357		17,021,357
Balance at beginning 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]
Accounting Standards Update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member
Balance at end of period (in shares) at Sep. 30, 2020			17,020,724
Balance at end of period at Sep. 30, 2020	$ 400,351		$ 170	170,204	234,023		(6,216)	2,170
Balance at beginning of period (in shares) at Jun. 30, 2020	17,021,357		17,021,357
Balance at beginning 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	15,214				15,214
Cash dividends declared on common stock, $0.15/common share	(2,450)				(2,450)
Shares repurchased (in shares)			(277,122)
Stock repurchased	(5,179)		$ (3)	(5,176)
Forfeited restricted stock (in shares)			(6,575)
Retired stock (in shares)			(633)
Retired stock	$ (9)			(9)
Exercised stock options (in shares)	54,000		54,000
Exercised stock options	$ 776		$ 1	775
Stock option expense	317			317
Restricted stock expense	643			643
ESOP shares allocated	419			154			265
Other comprehensive loss	$ 88							88
Balance at end of period (in shares) at Dec. 31, 2020	16,791,027		16,791,027
Balance at end of period at Dec. 31, 2020	$ 404,724		$ 168	166,352	242,182		(6,083)	2,105
Balance at beginning of period (in shares) at Sep. 30, 2020			17,020,724
Balance at beginning of period at Sep. 30, 2020	400,351		$ 170	170,204	234,023		(6,216)	2,170
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	9,461				9,461
Cash dividends declared on common stock, $0.15/common share	(1,302)				(1,302)
Shares repurchased (in shares)			(277,122)
Stock repurchased	(5,179)		$ (3)	(5,176)
Forfeited restricted stock (in shares)			(6,575)
Exercised stock options (in shares)			54,000
Exercised stock options	776		$ 1	775
Stock option expense	153			153
Restricted stock expense	301			301
ESOP shares allocated	228			95			133
Other comprehensive loss	$ (65)							(65)
Balance at end of period (in shares) at Dec. 31, 2020	16,791,027		16,791,027
Balance at end of period at Dec. 31, 2020	$ 404,724		$ 168	$ 166,352	$ 242,182		$ (6,083)	$ 2,105

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Common stock, dividends, declared (in dollars per share)	$ 80	$ 70	$ 150	$ 130

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Operating Activities:
Net income	$ 15,214	$ 17,995
Adjustments to reconcile net income to net cash used in operating activities:
Provision (benefit) for credit losses	(2,080)	400
Depreciation	3,885	2,564
Deferred income tax expense	1,671	4,451
Net amortization and accretion	(342)	(2,991)
Loss (gain) on sale and impairment of REO	(35)	103
Gain on sale of loans held for sale	(7,048)	(6,074)
Origination of loans held for sale	(312,627)	(156,416)
Proceeds from sales of loans held for sale	264,325	138,457
Increase in deferred loan costs, net	(316)	(1,082)
Decrease (increase) in accrued interest receivable and other assets	4,328	(670)
Amortization of core deposit intangibles	440	784
BOLI income	(1,043)	(1,206)
ESOP compensation expense	419	686
Restricted stock and stock option expense	960	883
Increase (decrease) in other liabilities	717	(4,853)
Net cash used in operating activities	(31,532)	(6,969)
Investing Activities:
Purchase of securities available for sale	(73,690)	(56,430)
Proceeds from maturities of securities available for sale	38,720	24,860
Net proceeds (purchases) of commercial paper	120,983	(9,187)
Purchase of certificates of deposit in other banks	(1,245)	(8,616)
Maturities of certificates of deposit in other banks	8,297	12,993
Principal repayments of mortgage-backed securities	8,173	7,090
Net redemptions (purchases) of other investments	(626)	8,480
Proceeds from sale of loans not originated for sale	0	154,870
Net decrease (increase) in loans	105,181	(78,731)
Purchase of BOLI	(96)	(65)
Proceeds from redemption of BOLI	0	477
Purchase of premises and equipment	(13,382)	(777)
Purchase of operating lease equipment	(6,940)	(5,569)
Proceeds from sale of REO	228	1,421
Net cash provided by investing activities	185,603	50,816
Financing Activities:
Net increase (decrease) in deposits	(42,487)	230,512
Net increase in other borrowings	0	(245,000)
Common stock repurchased	(5,179)	(10,219)
Cash dividends paid	(2,450)	(2,228)
Retired stock	(9)	0
Exercised stock options	776	963
Net cash used in financing activities	(49,349)	(25,972)
Net Increase in Cash and Cash Equivalents	104,722	17,875
Cash and Cash Equivalents at Beginning of Period	121,622	71,043
Cash and Cash Equivalents at End of Period	226,344	88,918
Cash paid during the period for:
Interest	5,404	18,771
Income taxes	1,686	1,300
Noncash transactions:
Unrealized gain in value of securities available for sale, net of income taxes	88	19
Transfer of loans to REO	108	46
Transfer of loans held for sale to total loans	10,496	9,736
Transfer of one-to-four family loans to held for sale	0	240,453
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	$ 597	$ 5,296

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
	Dec. 31, 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 December 31, 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. On December 27, 2020, the 2021 Consolidated Appropriations Act was signed into law combining $900 billion in stimulus relief for the COVID-19 pandemic. The legislation extends certain relief provisions from the March CARES Act that were set to expire at the end of 2020. This new legislation extends the relief to financial institutions to suspend TDR assessment and reporting requirements under GAAP for loan modifications to the earlier of 60 days after the national emergency termination date or January 1, 2022. The legislation includes additional funding for businesses that did not receive PPP funds under the CARES Act, especially minority- and women-owned businesses. In addition, it allows businesses another opportunity to borrow PPP funds if they can show losses of 25% or more in 2020 based on their 2019 revenue. The Company expects a smaller number of applications to be made by its customers for these additional PPP funds. 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 regarding 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 investment securities and does not record an allowance for credit losses on accrued interest receivable. As of December 31, 2020, the accrued interest receivable for investment securities available for sale was $926. 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 December 31, 2020, the accrued interest receivable for loans was $8,612. 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 offset to the provision for credit losses. 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	6 Months Ended
	Dec. 31, 2020
Accounting Changes and Error Corrections [Abstract]
Recent Accounting Pronouncements	Recent Accounting Pronouncements In June 2016, the FASB issued ASU No. 2016-13, "Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." The ASU significantly changes the impairment model for most financial assets that are measured at amortized cost and certain other instruments from an incurred loss model to an expected loss model. The Company adopted this ASU on July 1, 2020, applying the modified-retrospective method. Related to the implementation of this ASU, the Company recorded additional ACL on financial instruments of $15,059, additional deferred tax assets of $3,989, additional reserve for unfunded commitments of $2,288, and a reduction to retained earnings of $13,358. The adoption of this ASU did not have an effect on AFS debt securities. See "Note 1 - Summary of Significant Accounting Policies" and "Note 6 - Loans" for additional details related to the adoption of this ASU. 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 this ASU 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 this ASU is not expected to have a material impact on the Company's Consolidated Financial Statements. In October 2020, the FASB issued ASU 2020-08, "Codification Improvements to Subtopic 310-20, Receivables—Nonrefundable Fees and Other Costs." This ASU clarified that entities should reevaluate whether a callable debt security is within the scope of paragraph 310-20-35-33 for each reporting period. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2020. The adoption of this ASU is not expected to have a material impact on the Company's Consolidated Financial Statements. In October 2020, the FASB issued ASU 2020-09, "Debt (Topic 470): Amendments to SEC Paragraphs Pursuant to SEC Release No. 33-10762." This ASU updates financial disclosure requirements for subsidiary issuers and guarantors of registered debt securities and affinities whose securities are pledged as collateral for registered securities. The amendments in this ASU are effective January 4, 2021.The adoption did not have an effect on the Company's Consolidated Financial Statements. In October 2020, the FASB issued ASU 2020-10, "Codification Improvements." The amendments in this update are part of the FASB's ongoing project to improve codification and correcting unintended application. This ASU, i) removes references to various FASB Concepts Statements, ii) situates all disclosure guidance in the appropriate disclosure section of the Codification, and iii) makes other improvements and technical corrections to the Codification. The items within this ASU are not expected to have a significant effect on current accounting practice. The amendments in 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 this ASU is not expected to have a material impact on the Company's Consolidated Financial Statements.

Debt Securities

Debt Securities	6 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Debt Securities	Debt Securities Securities available for sale consist of the following at the dates indicated: December 31, 2020 Amortized Gross Gross Estimated U.S. government agencies $ 18,966 $ 176 $ (4) $ 19,138 Residential MBS of U.S. government agencies and GSEs 39,357 1,693 (37) 41,013 Municipal bonds 10,333 566 — 10,899 Corporate bonds 82,151 342 (3) 82,490 Total $ 150,807 $ 2,777 $ (44) $ 153,540 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 December 31, 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. December 31, 2020 Amortized Estimated Due within one year $ 29,178 $ 29,250 Due after one year through five years 80,252 81,016 Due after five years through ten years 2,020 2,261 Due after ten years — — Mortgage-backed securities 39,357 41,013 Total $ 150,807 $ 153,540 The Company had no sales of securities available for sale during the three and six months ended December 31, 2020 and 2019. There were no gross realized gains or losses for the three and six months ended December 31, 2020 and 2019. Securities available for sale with costs totaling $53,433 and $82,888 and market values of $54,780 and $84,456 at December 31, 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 December 31, 2020 and June 30, 2020 were as follows: December 31, 2020 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government agencies $ 14,996 $ (4) $ — $ — $ 14,996 $ (4) Residential MBS of U.S. government agencies and GSEs 115 (7) 1,922 (30) 2,037 (37) Corporate bonds 16,941 (3) — — 16,941 (3) Total $ 32,052 $ (14) $ 1,922 $ (30) $ 33,974 $ (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 December 31, 2020, and June 30, 2020 were 21 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 December 31, 2020 continue to perform as scheduled and management does not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of management's evaluation of its intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, management considers its investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. Management does not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that securities will be required to be sold. See Note 1 – Summary of Significant Account Policies for further discussion. Management continues to monitor all of its securities with a high degree of scrutiny. There can be no assurance that management will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.

Other Investments

Other Investments	6 Months Ended
	Dec. 31, 2020
Investments, All Other Investments [Abstract]
Other Investments	Other Investments Other investments, at cost consist of the following at the dates indicated: December 31, 2020 June 30, 2020 FHLB of Atlanta stock $ 23,309 $ 23,309 FRB stock 7,374 7,368 SBIC investments 8,889 8,269 Total $ 39,572 $ 38,946

Loans Held For Sale

Loans Held For Sale	6 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Loans Held For Sale	Loans Held For Sale Loans held for sale as of the dates indicated consist of the following: December 31, 2020 June 30, 2020 One-to-four family $ 45,998 $ 28,152 SBA 8,319 1,240 HELOCs 64,122 47,785 Total $ 118,439 $ 77,177

Loans

Loans	6 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Loans	Loans and Allowance for Credit Losses on Loans Loans consist of the following at the dates indicated: December 31, 2020 June 30, 2020 (1) Commercial loans: Commercial real estate $ 1,056,971 $ 1,052,906 Construction and development 172,892 215,934 Commercial and industrial 138,761 154,825 Equipment finance 272,761 229,239 Municipal finance 128,549 127,987 PPP 64,845 80,697 Total commercial loans 1,834,779 1,861,588 Retail consumer loans: One-to-four family 452,421 473,693 HELOCs - originated 125,397 137,447 HELOCs - purchased 58,640 71,781 Construction and land/lots 75,108 81,859 Indirect auto finance 122,947 132,303 Consumer 9,332 10,259 Total retail consumer loans 843,845 907,342 Total loans 2,678,624 2,768,930 Deferred loan costs, net (2) — 189 Total loans, net of deferred loan costs 2,678,624 2,769,119 Allowance for credit losses (39,844) (28,072) Loans, net $ 2,638,780 $ 2,741,047 ___________ (1) 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 related discounts, which includes the credit discount on the acquired credit impaired loans. (2) In accordance with the adoption of ASU 2016-13, the loan portfolio is shown at the amortized cost basis as of December 31, 2020, to include net deferred cost of $1,941 and unamortized discount total related to loans acquired of $5,126. Accrued interest receivable at December 31, 2020 of $8,612 is accounted for separately from the amortized cost basis. The ACL at June 30, 2020 includes the valuation allowance on PCI loans of $182. All qualifying one-to-four family first mortgage loans, HELOCs, commercial real estate loans, and FHLB of Atlanta stock are pledged as collateral by a blanket pledge to secure any outstanding FHLB advances. Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows: Pass —A pass rated asset is not adversely classified because it does not display any of the characteristics for adverse classification. Special Mention —A special mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification. Substandard —A substandard asset is inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged, if any. Assets classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These assets are characterized by the distinct possibility of loss if the deficiencies are not corrected. Doubtful —An asset classified doubtful has all the weaknesses inherent in an asset classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions, and values. Loss —Assets classified loss are considered uncollectible and of such little value that their continuing to be carried as an asset is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future. The following table presents the credit risk profile by risk grade for commercial loans by origination year: Term Loans By Origination Year December 31, 2020 2021 2020 2019 2018 2017 Prior Revolving Total Commercial real estate Risk rating: Pass $ 84,992 $ 180,257 $ 146,108 $ 175,521 $ 166,606 $ 241,865 $ 32,112 $ 1,027,461 Special mention — — — 14,407 1,281 3,245 295 19,228 Substandard — — — 653 5,412 4,206 — 10,271 Doubtful — — — — — — — — Loss — 11 — — — — — 11 Total commercial real estate $ 84,992 $ 180,268 $ 146,108 $ 190,581 $ 173,299 $ 249,316 $ 32,407 $ 1,056,971 Construction and development Risk rating: Pass $ 8,366 $ 17,695 $ 10,527 $ 8,345 $ 1,621 $ 8,164 $ 114,970 $ 169,688 Special mention — — — — — 534 2,133 2,667 Substandard — — — — — 537 — 537 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and development $ 8,366 $ 17,695 $ 10,527 $ 8,345 $ 1,621 $ 9,235 $ 117,103 $ 172,892 Commercial and industrial Risk rating: Pass $ 12,949 $ 14,603 $ 22,120 $ 17,797 $ 17,448 $ 12,347 $ 33,356 $ 130,620 Special mention — — 794 — 952 171 5,656 7,573 Substandard — — 299 117 64 86 — 566 Doubtful — — — — — — — — Loss — 1 — — — 1 — 2 Total commercial and industrial $ 12,949 $ 14,604 $ 23,213 $ 17,914 $ 18,464 $ 12,605 $ 39,012 $ 138,761 Equipment finance Risk rating: Pass $ 73,835 $ 121,829 $ 69,830 $ 6,407 $ — $ — $ — $ 271,901 Special mention — 440 78 — — — — 518 Substandard — — 46 — — — — 46 Doubtful — — 296 — — — — 296 Loss — — — — — — — — Total equipment finance $ 73,835 $ 122,269 $ 70,250 $ 6,407 $ — $ — $ — $ 272,761 Municipal leases Risk rating: Pass $ 1,178 $ 21,158 $ 14,812 $ 19,662 $ 10,411 $ 54,947 $ 5,762 $ 127,930 Special mention — — — — — 271 — 271 Substandard — — — — — 348 — 348 Doubtful — — — — — — — — Loss — — — — — — — — Total municipal leases $ 1,178 $ 21,158 $ 14,812 $ 19,662 $ 10,411 $ 55,566 $ 5,762 $ 128,549 PPP Risk rating: Pass $ — $ 64,845 $ — $ — $ — $ — $ — $ 64,845 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total PPP $ — $ 64,845 $ — $ — $ — $ — $ — $ 64,845 Total commercial loans Risk rating: Pass $ 181,320 $ 420,387 $ 263,397 $ 227,732 $ 196,086 $ 317,323 $ 186,200 $ 1,792,445 Special mention — 440 872 14,407 2,233 4,221 8,084 30,257 Substandard — — 345 770 5,476 5,177 — 11,768 Doubtful — — 296 — — — — 296 Loss — 12 — — — 1 — 13 Total commercial loans $ 181,320 $ 420,839 $ 264,910 $ 242,909 $ 203,795 $ 326,722 $ 194,284 $ 1,834,779 The following table presents the credit risk profile by risk grade for consumer loans by origination year: Term Loans By Origination Year December 31, 2020 2021 2020 2019 2018 2017 Prior Revolving Total One-to-four family Risk rating: Pass $ 43,718 $ 55,592 $ 61,576 $ 55,305 $ 46,841 $ 175,540 $ 2,464 $ 441,036 Special mention — — — — 29 1,523 — 1,552 Substandard — 999 — 218 201 8,217 — 9,635 Doubtful — — — — — 197 — 197 Loss — — — 1 — — — 1 Total one-to-four family $ 43,718 $ 56,591 $ 61,576 $ 55,524 $ 47,071 $ 185,477 $ 2,464 $ 452,421 HELOCs - originated Risk rating: Pass $ 1,654 $ 1,066 $ 1,495 $ 455 $ 671 $ 8,619 $ 108,828 $ 122,788 Special mention — — — — — 769 — 769 Substandard — — — — 38 1,603 199 1,840 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - originated $ 1,654 $ 1,066 $ 1,495 $ 455 $ 709 $ 10,991 $ 109,027 $ 125,397 HELOCs - purchased Risk rating: Pass $ — $ — $ — $ — $ — $ — $ 57,799 $ 57,799 Special mention — — — — — — — — Substandard — — — — — — 841 841 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - purchased $ — $ — $ — $ — $ — $ — $ 58,640 $ 58,640 Construction and land/lots Risk rating: Pass $ 428 $ 23,130 $ 8,311 $ 1,270 $ — $ 4,948 $ 36,414 $ 74,501 Special mention — — — — — — — — Substandard — — — 102 — 505 — 607 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and land/lots $ 428 $ 23,130 $ 8,311 $ 1,372 $ — $ 5,453 $ 36,414 $ 75,108 Indirect auto finance Risk rating: Pass $ 22,171 $ 34,993 $ 21,944 $ 26,196 $ 11,684 $ 4,554 $ — $ 121,542 Special mention — — — — — — — — Substandard 8 208 386 436 217 147 — 1,402 Doubtful — — — — — — — — Loss — 2 1 — — — — 3 Total indirect auto finance $ 22,179 $ 35,203 $ 22,331 $ 26,632 $ 11,901 $ 4,701 $ — $ 122,947 Total consumer loans Risk rating: Pass $ 740 $ 1,213 $ 5,952 $ 363 $ 157 $ 159 $ 429 $ 9,013 Special mention — — — 4 — — — 4 Substandard 243 16 11 7 — 18 20 315 Doubtful — — — — — — — — Loss — — — — — — — — Total consumer loans $ 983 $ 1,229 $ 5,963 $ 374 $ 157 $ 177 $ 449 $ 9,332 Total retail consumer loans Risk rating: Pass $ 68,711 $ 115,994 $ 99,278 $ 83,589 $ 59,353 $ 193,820 $ 205,934 $ 826,679 Special mention — — — 4 29 2,292 — 2,325 Substandard 251 1,223 397 763 456 10,490 1,060 14,640 Doubtful — — — — — 197 — 197 Loss — 2 1 1 — — — 4 Total retail consumer loans $ 68,962 $ 117,219 $ 99,676 $ 84,357 $ 59,838 $ 206,799 $ 206,994 $ 843,845 The following table presents the credit risk profile by risk grade for total non-purchased and purchased performing 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 PPP 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 December 31, 2020 Commercial loans: Commercial real estate $ 45 $ 2,060 $ 2,105 $ 1,054,866 $ 1,056,971 Construction and development — 361 361 172,531 172,892 Commercial and industrial — 91 91 138,670 138,761 Equipment finance 286 68 354 272,407 272,761 Municipal finance — 352 352 128,197 128,549 PPP — — — 64,845 64,845 Retail consumer loans: One-to-four family 1,431 2,874 4,305 448,116 452,421 HELOCs - originated 98 248 346 125,051 125,397 HELOCs - purchased 147 145 292 58,348 58,640 Construction and land/lots — 22 22 75,086 75,108 Indirect auto finance 395 405 800 122,147 122,947 Consumer 256 17 273 9,059 9,332 Total loans $ 2,658 $ 6,643 $ 9,301 $ 2,669,323 $ 2,678,624 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 PPP — — — 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 six months ended December 31, 2020. December 31, 2020 June 30, 2020 90 Days + & Nonaccrual with no allowance as of December 31, 2020 Interest income recognized Commercial loans: Commercial real estate $ 7,751 $ 8,869 $ — $ 4,576 $ 290 Construction and development 537 465 — 80 39 Commercial and industrial 234 259 — 92 62 Equipment finance 354 801 — 293 14 Municipal finance 352 — 352 — Retail consumer loans: One-to-four family 3,425 3,582 — 1,085 129 HELOCs - originated 344 531 — — 34 HELOCs - purchased 841 662 — — 12 Construction and land/lots 22 37 — — — Indirect auto finance 661 668 — — 56 Consumer 18 49 — — 6 Total loans $ 14,539 $ 15,923 $ — $ 6,478 $ 642 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 to nonaccrual loans of $486 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 which was replaced with a loan-level evaluation for nonaccrual status. The following table presents a breakdown of the provision (benefit) for credit losses included in our Consolidated Statements of Income: Three Months Ended Six Months Ended December 31, December 31, 2020 2019 2020 2019 Provision (benefit) for credit losses: Loans $ (3,350) $ 400 $ (2,400) $ 400 Off-balance-sheet credit exposure 140 — 140 — Commercial paper 180 — 180 — Total provision (benefit) for credit losses $ (3,030) $ 400 $ (2,080) $ 400 The following table presents an analysis of the ACL on loans by segment: Three Months Ended Six Months Ended December 31, 2020 December 31, 2020 Commercial Retail Total Commercial Retail Total Balance at beginning of period $ 25,199 $ 17,933 $ 43,132 $ 21,116 $ 6,956 $ 28,072 Impact of adoption ASU 2016-13 — — — 4,073 10,736 14,809 Provision (benefit) for credit losses (292) (3,058) (3,350) — (2,400) (2,400) Charge-offs (308) (253) (561) (1,403) (935) (2,338) Recoveries 300 323 623 1,113 588 1,701 Net charge-offs (8) 70 62 (290) (347) (637) Balance at end of period $ 24,899 $ 14,945 $ 39,844 $ 24,899 $ 14,945 $ 39,844 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 Six Months Ended December 31, 2019 December 31, 2019 PCI Commercial Retail Total PCI Commercial Retail Total Balance at beginning of period $ 194 $ 15,392 $ 5,728 $ 21,314 $ 201 $ 14,809 $ 6,419 $ 21,429 Provision for (recovery of) loan losses (42) 1,485 (1,043) 400 (49) 2,048 (1,599) 400 Charge-offs — (599) (96) (695) — (742) (383) (1,125) Recoveries — 201 811 1,012 — 364 963 1,327 Balance at end of period $ 152 $ 16,479 $ 5,400 $ 22,031 $ 152 $ 16,479 $ 5,400 $ 22,031 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 December 31, 2020 Commercial loans: Commercial real estate $ 86 $ 12,841 $ 12,927 $ 6,463 $ 1,050,508 $ 1,056,971 Construction and development — 2,385 2,385 80 172,812 172,892 Commercial and industrial 16 2,874 2,890 887 137,874 138,761 Equipment finance 76 6,179 6,255 373 272,388 272,761 Municipal finance — 442 442 352 128,197 128,549 PPP — — — — 64,845 64,845 Retail consumer loans: One-to-four family 11 7,800 7,811 3,266 449,155 452,421 HELOCs - originated — 1,680 1,680 — 125,397 125,397 HELOCs - purchased — 784 784 — 58,640 58,640 Construction and land/lots — 1,456 1,456 — 75,108 75,108 Indirect auto finance — 2,978 2,978 — 122,947 122,947 Consumer — 236 236 — 9,332 9,332 Total $ 189 $ 39,655 $ 39,844 $ 11,421 $ 2,667,203 $ 2,678,624 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 PPP — — — — — — 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 presents average recorded investments in impaired loans and interest income recognized on impaired loans, prior to the adoption of ASU 2016-13: Three Months Ended Six Months Ended December 31, 2019 December 31, 2019 Average Interest Average Interest Commercial loans: Commercial real estate $ 8,665 $ 76 $ 8,419 $ 144 Construction and development 1,181 11 1,527 26 Commercial and industrial 742 14 710 90 Equipment finance 1,032 — 643 3 Retail consumer loans: One-to-four family 14,276 192 15,085 378 HELOCs - originated 1,862 26 1,700 53 HELOCs - purchased 476 3 540 6 Construction and land/lots 1,117 20 1,201 44 Indirect auto finance 483 6 467 15 Consumer 53 3 288 6 Total loans $ 29,887 $ 351 $ 30,580 $ 765 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 Six Months Ended December 31, 2019 December 31, 2019 Accretable yield, beginning of period $ 4,916 $ 5,259 Reclass from nonaccretable yield (1) 135 250 Other changes, net (2) (295) (309) Interest income (401) (845) Accretable yield, end of period $ 4,355 $ 4,355 ______________________________________ (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 December 31, 2020: Type of Collateral and Extent to Which Collateral Secures Financial Assets Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,800 $ 2,460 $ — $ 1,050,711 $ 1,056,971 Construction and development — 80 — — 172,812 172,892 Commercial and industrial — — — 90 138,671 138,761 Equipment finance — — — 87 272,674 272,761 Municipal finance — — — 352 128,197 128,549 PPP — — — — 64,845 64,845 Retail consumer loans: One-to-four family 1,085 — — — 451,336 452,421 HELOCs - originated — — — — 125,397 125,397 HELOCs - purchased — — — — 58,640 58,640 Construction and land/lots — — — — 75,108 75,108 Indirect auto finance — — — — 122,947 122,947 Consumer — — — — 9,332 9,332 Total $ 1,085 $ 3,880 $ 2,460 $ 529 $ 2,670,670 $ 2,678,624 Total Collateral Value $ 1,257 $ 3,924 $ 2,732 $ 2,506 For the three and six months ended December 31, 2020 and 2019, the following table presents a breakdown of the types of concessions made on TDRs by loan class: Three Months Ended December 31, 2020 Three Months Ended December 31, 2019 Number Pre Post Number Pre Post Below market interest rate: Commercial: Commercial real estate — $ — $ — 1 $ 88 $ 88 Extended payment terms: Commercial: Commercial and industrial — — — 1 826 826 Retail consumer: One-to-four family — — — 1 56 53 Other TDRs: Commercial: Construction and development — — — 1 182 79 Retail consumer: One-to-four family 1 19 16 2 11 10 Construction and land/lots 1 225 223 — — — Indirect auto finance 3 45 43 — — — Total 5 $ 289 $ 282 6 $ 1,163 $ 1,056 Six Months Ended December 31, 2020 Six Months Ended December 31, 2019 Number Pre Post Number Pre Post Below market interest rate: Commercial: Commercial real estate — $ — $ — 1 $ 88 $ 88 Extended payment terms: Commercial: Commercial and industrial — — — 1 826 826 Retail consumer: One-to-four family — — — 2 70 67 Other TDRs: Commercial: Commercial real estate 1 4,408 3,800 — — — Construction and development — — — 1 182 79 Retail consumer: One-to-four family 1 19 16 3 45 43 Construction and land/lots 1 225 223 — — — Indirect auto finance 9 141 109 4 68 61 Total 12 $ 4,793 $ 4,148 12 $ 1,279 $ 1,164 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 and six months ended December 31, 2020 and 2019: Three Months Ended December 31, 2020 Three Months Ended December 31, 2019 Number of Recorded Number of Recorded Other TDRs: Retail consumer: Indirect auto finance 1 $ 1 — $ — Total 1 $ 1 — $ — Six Months Ended December 31, 2020 Six Months Ended December 31, 2019 Number of Recorded Number of Recorded Other TDRs: Retail consumer: One-to-four family — $ — 2 $ 50 Indirect auto finance 2 12 — — Total 2 $ 12 2 $ 50 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 a reserve on a loan-by-loan basis based on either the value of the loan's expected future cash flows discounted at the loan's original effective interest rate or on the collateral value, net of the estimated costs of disposal, if the loan is collateral dependent. Off-Balance-Sheet Credit Exposure The Company maintains a separate reserve for credit losses 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 its loan portfolio segments. The Company has identified the unfunded portion of certain lines of credit as unconditionally cancellable credit exposures, meaning the Company can cancel the unfunded commitment at any time. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company or for undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. At December 31, 2020, the liability for credit losses on off-balance-sheet credit exposures included in other liabilities was $2,428. 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 December 31, 2020, modifications totaling $1,654 and $82,035 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, the Company has 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: Principal and Interest Payment Deferrals by Loan Types (1) (2) December 31, 2020 June 30, 2020 Deferral Percent of Total Loan Portfolio Deferral Percent of Total Loan Portfolio Lodging $ — — % $ 108,171 4.0 % Other commercial real estate, construction and development, and commercial and industrial 4,018 0.2 367,443 13.7 Equipment finance 2,196 0.1 33,693 1.3 One-to-four family 822 — 36,821 1.4 Other consumer loans 832 — 5,203 0.2 Total $ 7,868 0.3 % $ 551,331 20.6 % __________________________ (1) Modified loans are not included in classified assets or nonperforming assets. (2) Principal and interest is being deferred A majority of loans placed on principal and interest payment deferral during the pandemic came out of deferral as of December 31, 2020. However, the Company has allowed for continued relief to borrowers in the form of interest-only payments for certain loans recently coming out of full deferral. At December 31, 2020, the Company had $75,821 in commercial loans on interest-only payments for a period of time no greater than 12 months before being required to return to their original contractual payments.

Real Estate Owned

Real Estate Owned	6 Months Ended
	Dec. 31, 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 December 31, Six Months Ended December 31, 2020 2019 2020 2019 Balance at beginning of period $ 144 $ 2,582 $ 337 $ 2,929 Transfers from loans 108 — 108 46 Sales, net of gain or loss — (965) (193) (1,346) Writedowns — (166) — (178) Balance at end of period $ 252 $ 1,451 $ 252 $ 1,451 At December 31, 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 $447 and $1,318 at December 31, 2020 and June 30, 2020, respectively.

Net Income per Share

Net Income per Share	6 Months Ended
	Dec. 31, 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 December 31, Six Months Ended December 31, 2020 2019 2020 2019 Numerator: Net income $ 9,461 $ 9,191 $ 15,214 $ 17,995 Allocation of earnings to participating securities (77) (72) (124) (140) Numerator for basic EPS - Net income available to common stockholders $ 9,384 $ 9,119 $ 15,090 $ 17,855 Effect of dilutive securities: Dilutive effect to participating securities 1 8 2 5 Numerator for diluted EPS $ 9,385 $ 9,127 $ 15,092 $ 17,860 Denominator: Weighted-average common shares outstanding - basic 16,202,844 16,906,457 16,216,917 17,002,052 Effect of dilutive shares 360,515 661,223 297,914 658,635 Weighted-average common shares outstanding - diluted 16,563,359 17,567,680 16,514,831 17,660,687 Net income per share - basic $ 0.58 $ 0.54 $ 0.93 $ 1.05 Net income per share - diluted $ 0.57 $ 0.52 $ 0.92 $ 1.01

Equity Incentive Plan

Equity Incentive Plan	6 Months Ended
	Dec. 31, 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 plan may be authorized but unissued shares or 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 and six months ended December 31, 2020 and 2019, respectively: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Share-based compensation expense $ 454 $ 440 $ 960 $ 883 Tax benefit $ 107 $ 103 $ 226 $ 208 The table below presents stock option activity for the six months ended December 31, 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 66,900 14.40 — — Forfeited 800 17.35 — — Options outstanding at December 31, 2019 1,614,514 $ 17.84 4.7 $ 14,538 Exercisable at December 31, 2019 1,212,714 $ 15.45 3.5 $ 13,805 Non-vested at December 31, 2019 401,800 $ 25.07 7.9 $ 733 Options outstanding at June 30, 2020 1,615,500 $ 18.12 4.4 $ 1,711 Exercised 54,000 14.37 — — Forfeited 26,900 25.77 — — Options outstanding at December 31, 2020 1,534,600 $ 18.12 3.8 $ 5,070 Exercisable at December 31, 2020 1,243,700 $ 16.35 3.0 $ 5,027 Non-vested at December 31, 2020 290,900 $ 25.67 7.3 $ 42 There were no options granted during the six months ended December 31, 2020. Assumptions used in estimating the fair value of options granted during the six months ended December 31, 2019 are presented below: December 31, 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 December 31, 2020, the Company had $1,297 of unrecognized compensation expense related to 290,900 stock options 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 1.3 years at December 31, 2020. At December 31, 2019, the Company had $1,854 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 six months ended December 31, 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 December 31, 2019 133,200 $ 24.83 $ 3,574 Non-vested at June 30, 2020 144,046 $ 25.89 $ 2,305 Vested 2,600 25.37 — Forfeited 7,650 25.65 — Non-vested at December 31, 2020 133,796 $ 25.91 $ 2,584 The table above includes non-vested performance-based restrictive stock units totaling 15,565 and 10,375 at December 31, 2020 and 2019, respectively. Each issuance of these stock units is scheduled to vest over 3.0 years assuming certain performance metrics are met. three three five

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Dec. 31, 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 December 31, 2020 and June 30, 2020, respectively, loan commitments (excluding $146,181 and $141,557 of undisbursed portions of construction loans) totaled $86,648 and $57,798 of which $17,468 and $10,678 were variable rate commitments and $69,180 and $47,120 were fixed rate commitments. The fixed rate loans had interest rates ranging from 1.09% to 8.28% at December 31, 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 United States and municipal financing to customers throughout North and South Carolina. The Company’s loan portfolio can be affected by the general economic conditions within these market areas. Management believes that the Company has no significant concentration of credit in the loan portfolio. Restrictions on Cash – In response to COVID-19, the FRB reduced the reserve requirements to zero on March 15, 2020. Prior to this change the Bank was required by regulation to maintain a varying cash reserve balance with the FRB. Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower's failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of December 31, 2020 and June 30, 2020 were $7,936 and $7,766, respectively. There was no liability recorded for these letters of credit at December 31, 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	6 Months Ended
	Dec. 31, 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. 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. 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 principal and interest 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. Individually evaluated 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. 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: December 31, 2020 Description Total Level 1 Level 2 Level 3 U.S government agencies $ 19,138 $ — $ 19,138 $ — Residential MBS of U.S. government agencies and GSEs 41,013 — 41,013 — Municipal bonds 10,899 — 10,899 — Corporate bonds 82,490 — 82,490 — Total $ 153,540 $ — $ 153,540 $ — 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 48,355 — 48,355 — Municipal bonds 16,631 — 16,631 — Corporate bonds 58,378 — 58,378 — Total $ 127,537 $ — $ 127,537 $ — There were no transfers between levels during the six months ended December 31, 2020. The following table presents financial assets measured at fair value on a non-recurring basis at the dates indicated: December 31, 2020 Description Total Level 1 Level 2 Level 3 Individually evaluated loans $ 5,230 $ — $ — $ 5,230 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 December 31, 2020 is shown in the table below: Nonrecurring measurements: Fair Value at December 31, 2020 Valuation Unobservable Range Weighted Individually evaluated loans $ 5,230 Discounted appraisals and discounted cash flows Collateral discounts 0% - 53% 2% - 3% 13% The stated carrying value and estimated fair value amounts of financial instruments as of December 31, 2020 and June 30, 2020, are summarized below: December 31, 2020 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and interest-bearing deposits $ 226,344 $ 226,344 $ 226,344 $ — $ — Commercial paper 183,778 183,778 183,778 — — Certificates of deposit in other banks 48,637 48,637 — 48,637 — Securities available for sale 153,540 153,540 — 153,540 — Loans, net 2,638,780 2,608,848 — — 2,608,848 Loans held for sale 118,439 120,254 — — 120,254 FHLB stock 23,309 23,309 23,309 — — FRB stock 7,374 7,374 7,374 — — SBIC investments 8,889 8,889 — — 8,889 Accrued interest receivable 9,796 9,796 — 1,184 8,612 Liabilities: Noninterest-bearing and NOW deposits 1,124,958 1,124,958 — 1,124,958 — Money market accounts 882,366 882,366 — 882,366 — Savings accounts 209,699 209,699 — 209,699 — Certificates of deposit 526,246 529,661 — 529,661 — Borrowings 475,000 504,734 — 504,734 — Accrued interest payable 623 623 — 623 — 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 $698,029 and $598,136 of commitments to originate loans, undisbursed portions of interim construction loans, and unused lines of credit at December 31, 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	6 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Leases	Leases As Lessee - Operating Leases The Company's operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at management's sole discretion. When it is reasonably certain that the Company will exercise its option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. At December 31, 2020, the Company did not have any leases that had not yet commenced for which it had created a ROU asset and a lease liability. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of the Company's lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on the Company's Consolidated Balance Sheets. The Company recognizes lease expenses for these leases over the lease term. The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: December 31, 2020 June 30, 2020 ROU assets $ 4,546 $ 4,601 Lease liabilities 4,561 4,590 Weighted-average remaining lease terms 4.56 5.02 Weighted-average discount rate 2.81 % 2.97 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 663 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 4,871 The following table presents components of operating lease expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease cost (included in occupancy expense) $ 452 $ 459 $ 891 $ 932 Sublease income (included in other, net noninterest income) (61) (56) (122) (120) Total operating lease expense, net $ 391 $ 403 $ 769 $ 812 As Lessee - Finance Lease The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at December 31, 2020 and June 30, 2020 and is included in other assets. The corresponding lease liability totaled $1,823 and $1,843 at December 31, 2020 and June 30, 2020, respectively, and is included in other liabilities. For the three and six months ended December 31, 2020, interest expense on the lease liability totaled $24 and $48, respectively. For the three and six months ended December 31, 2019, interest expense on the lease liability totaled $24 and $48, 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 December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 66 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,473 Less: amount representing interest (650) Present value of net minimum lease payments $ 1,823 Supplemental lease cash flow information for the six months ended December 31, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 597 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 1,055 1,091 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 67 67 As Lessor - General The Company leases equipment to commercial end users under operating and finance lease arrangements. The Company's equipment finance leases consist mainly of transportation, medical, and agricultural equipment. Many of its operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. The Company's leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease. As Lessor - Operating Leases Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from 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 $25,293 and $21,595 with a residual value of $15,364 and $12,370 as of December 31, 2020 and June 30, 2020, respectively. The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease income $ 1,349 $ 658 $ 2,675 $ 1,226 Depreciation expense 1,413 459 2,954 808 The following schedule summarizes aggregate future minimum operating lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 2,902 2022 5,038 2023 3,192 2024 1,123 2025 320 Thereafter 48 Total of future minimum payments $ 12,623 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 December 31, 2020 and 2019, total interest income on equipment finance leases totaled $570 and $459, respectively. For the six months ended December 31, 2020 and 2019, total interest income on equipment finance leases totaled $1,099 and $808, respectively. The following table presents components of finance lease net investment included within equipment finance class of financing receivables: December 31, 2020 June 30, 2020 Lease receivables $ 54,024 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 6,452 2022 14,628 2023 14,205 2024 12,073 2025 8,358 Thereafter 3,813 Total minimum payments 59,529 Less: amount representing interest (5,505) Total $ 54,024
Leases	Leases As Lessee - Operating Leases The Company's operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at management's sole discretion. When it is reasonably certain that the Company will exercise its option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. At December 31, 2020, the Company did not have any leases that had not yet commenced for which it had created a ROU asset and a lease liability. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of the Company's lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on the Company's Consolidated Balance Sheets. The Company recognizes lease expenses for these leases over the lease term. The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: December 31, 2020 June 30, 2020 ROU assets $ 4,546 $ 4,601 Lease liabilities 4,561 4,590 Weighted-average remaining lease terms 4.56 5.02 Weighted-average discount rate 2.81 % 2.97 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 663 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 4,871 The following table presents components of operating lease expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease cost (included in occupancy expense) $ 452 $ 459 $ 891 $ 932 Sublease income (included in other, net noninterest income) (61) (56) (122) (120) Total operating lease expense, net $ 391 $ 403 $ 769 $ 812 As Lessee - Finance Lease The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at December 31, 2020 and June 30, 2020 and is included in other assets. The corresponding lease liability totaled $1,823 and $1,843 at December 31, 2020 and June 30, 2020, respectively, and is included in other liabilities. For the three and six months ended December 31, 2020, interest expense on the lease liability totaled $24 and $48, respectively. For the three and six months ended December 31, 2019, interest expense on the lease liability totaled $24 and $48, 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 December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 66 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,473 Less: amount representing interest (650) Present value of net minimum lease payments $ 1,823 Supplemental lease cash flow information for the six months ended December 31, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 597 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 1,055 1,091 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 67 67 As Lessor - General The Company leases equipment to commercial end users under operating and finance lease arrangements. The Company's equipment finance leases consist mainly of transportation, medical, and agricultural equipment. Many of its operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. The Company's leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease. As Lessor - Operating Leases Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from 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 $25,293 and $21,595 with a residual value of $15,364 and $12,370 as of December 31, 2020 and June 30, 2020, respectively. The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease income $ 1,349 $ 658 $ 2,675 $ 1,226 Depreciation expense 1,413 459 2,954 808 The following schedule summarizes aggregate future minimum operating lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 2,902 2022 5,038 2023 3,192 2024 1,123 2025 320 Thereafter 48 Total of future minimum payments $ 12,623 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 December 31, 2020 and 2019, total interest income on equipment finance leases totaled $570 and $459, respectively. For the six months ended December 31, 2020 and 2019, total interest income on equipment finance leases totaled $1,099 and $808, respectively. The following table presents components of finance lease net investment included within equipment finance class of financing receivables: December 31, 2020 June 30, 2020 Lease receivables $ 54,024 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 6,452 2022 14,628 2023 14,205 2024 12,073 2025 8,358 Thereafter 3,813 Total minimum payments 59,529 Less: amount representing interest (5,505) Total $ 54,024
Leases	Leases As Lessee - Operating Leases The Company's operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at management's sole discretion. When it is reasonably certain that the Company will exercise its option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. At December 31, 2020, the Company did not have any leases that had not yet commenced for which it had created a ROU asset and a lease liability. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of the Company's lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on the Company's Consolidated Balance Sheets. The Company recognizes lease expenses for these leases over the lease term. The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: December 31, 2020 June 30, 2020 ROU assets $ 4,546 $ 4,601 Lease liabilities 4,561 4,590 Weighted-average remaining lease terms 4.56 5.02 Weighted-average discount rate 2.81 % 2.97 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 663 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 4,871 The following table presents components of operating lease expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease cost (included in occupancy expense) $ 452 $ 459 $ 891 $ 932 Sublease income (included in other, net noninterest income) (61) (56) (122) (120) Total operating lease expense, net $ 391 $ 403 $ 769 $ 812 As Lessee - Finance Lease The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at December 31, 2020 and June 30, 2020 and is included in other assets. The corresponding lease liability totaled $1,823 and $1,843 at December 31, 2020 and June 30, 2020, respectively, and is included in other liabilities. For the three and six months ended December 31, 2020, interest expense on the lease liability totaled $24 and $48, respectively. For the three and six months ended December 31, 2019, interest expense on the lease liability totaled $24 and $48, 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 December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 66 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,473 Less: amount representing interest (650) Present value of net minimum lease payments $ 1,823 Supplemental lease cash flow information for the six months ended December 31, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 597 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 1,055 1,091 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 67 67 As Lessor - General The Company leases equipment to commercial end users under operating and finance lease arrangements. The Company's equipment finance leases consist mainly of transportation, medical, and agricultural equipment. Many of its operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. The Company's leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease. As Lessor - Operating Leases Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from 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 $25,293 and $21,595 with a residual value of $15,364 and $12,370 as of December 31, 2020 and June 30, 2020, respectively. The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease income $ 1,349 $ 658 $ 2,675 $ 1,226 Depreciation expense 1,413 459 2,954 808 The following schedule summarizes aggregate future minimum operating lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 2,902 2022 5,038 2023 3,192 2024 1,123 2025 320 Thereafter 48 Total of future minimum payments $ 12,623 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 December 31, 2020 and 2019, total interest income on equipment finance leases totaled $570 and $459, respectively. For the six months ended December 31, 2020 and 2019, total interest income on equipment finance leases totaled $1,099 and $808, respectively. The following table presents components of finance lease net investment included within equipment finance class of financing receivables: December 31, 2020 June 30, 2020 Lease receivables $ 54,024 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 6,452 2022 14,628 2023 14,205 2024 12,073 2025 8,358 Thereafter 3,813 Total minimum payments 59,529 Less: amount representing interest (5,505) Total $ 54,024
Leases	Leases As Lessee - Operating Leases The Company's operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at management's sole discretion. When it is reasonably certain that the Company will exercise its option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. At December 31, 2020, the Company did not have any leases that had not yet commenced for which it had created a ROU asset and a lease liability. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of the Company's lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on the Company's Consolidated Balance Sheets. The Company recognizes lease expenses for these leases over the lease term. The following table presents supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities. Supplemental Balance Sheet Information: December 31, 2020 June 30, 2020 ROU assets $ 4,546 $ 4,601 Lease liabilities 4,561 4,590 Weighted-average remaining lease terms 4.56 5.02 Weighted-average discount rate 2.81 % 2.97 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 663 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 4,871 The following table presents components of operating lease expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease cost (included in occupancy expense) $ 452 $ 459 $ 891 $ 932 Sublease income (included in other, net noninterest income) (61) (56) (122) (120) Total operating lease expense, net $ 391 $ 403 $ 769 $ 812 As Lessee - Finance Lease The Company currently leases land for one of its branch office locations under a finance lease. The ROU asset for the finance lease totaled $2,052 at December 31, 2020 and June 30, 2020 and is included in other assets. The corresponding lease liability totaled $1,823 and $1,843 at December 31, 2020 and June 30, 2020, respectively, and is included in other liabilities. For the three and six months ended December 31, 2020, interest expense on the lease liability totaled $24 and $48, respectively. For the three and six months ended December 31, 2019, interest expense on the lease liability totaled $24 and $48, 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 December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 66 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,473 Less: amount representing interest (650) Present value of net minimum lease payments $ 1,823 Supplemental lease cash flow information for the six months ended December 31, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 597 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 1,055 1,091 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 67 67 As Lessor - General The Company leases equipment to commercial end users under operating and finance lease arrangements. The Company's equipment finance leases consist mainly of transportation, medical, and agricultural equipment. Many of its operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a nominal fixed purchase option; and most of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. The Company's leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease. As Lessor - Operating Leases Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from 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 $25,293 and $21,595 with a residual value of $15,364 and $12,370 as of December 31, 2020 and June 30, 2020, respectively. The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease income $ 1,349 $ 658 $ 2,675 $ 1,226 Depreciation expense 1,413 459 2,954 808 The following schedule summarizes aggregate future minimum operating lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 2,902 2022 5,038 2023 3,192 2024 1,123 2025 320 Thereafter 48 Total of future minimum payments $ 12,623 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 December 31, 2020 and 2019, total interest income on equipment finance leases totaled $570 and $459, respectively. For the six months ended December 31, 2020 and 2019, total interest income on equipment finance leases totaled $1,099 and $808, respectively. The following table presents components of finance lease net investment included within equipment finance class of financing receivables: December 31, 2020 June 30, 2020 Lease receivables $ 54,024 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 6,452 2022 14,628 2023 14,205 2024 12,073 2025 8,358 Thereafter 3,813 Total minimum payments 59,529 Less: amount representing interest (5,505) Total $ 54,024

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Dec. 31, 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 December 31, 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 regarding 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 investment securities and does not record an allowance for credit losses on accrued interest receivable. As of December 31, 2020, the accrued interest receivable for investment securities available for sale was $926. 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 December 31, 2020, the accrued interest receivable for loans was $8,612. 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 offset to the provision for credit losses. 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, "Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." The ASU significantly changes the impairment model for most financial assets that are measured at amortized cost and certain other instruments from an incurred loss model to an expected loss model. The Company adopted this ASU on July 1, 2020, applying the modified-retrospective method. Related to the implementation of this ASU, the Company recorded additional ACL on financial instruments of $15,059, additional deferred tax assets of $3,989, additional reserve for unfunded commitments of $2,288, and a reduction to retained earnings of $13,358. The adoption of this ASU did not have an effect on AFS debt securities. See "Note 1 - Summary of Significant Accounting Policies" and "Note 6 - Loans" for additional details related to the adoption of this ASU. 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 this ASU 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 this ASU is not expected to have a material impact on the Company's Consolidated Financial Statements. In October 2020, the FASB issued ASU 2020-08, "Codification Improvements to Subtopic 310-20, Receivables—Nonrefundable Fees and Other Costs." This ASU clarified that entities should reevaluate whether a callable debt security is within the scope of paragraph 310-20-35-33 for each reporting period. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2020. The adoption of this ASU is not expected to have a material impact on the Company's Consolidated Financial Statements. In October 2020, the FASB issued ASU 2020-09, "Debt (Topic 470): Amendments to SEC Paragraphs Pursuant to SEC Release No. 33-10762." This ASU updates financial disclosure requirements for subsidiary issuers and guarantors of registered debt securities and affinities whose securities are pledged as collateral for registered securities. The amendments in this ASU are effective January 4, 2021.The adoption did not have an effect on the Company's Consolidated Financial Statements. In October 2020, the FASB issued ASU 2020-10, "Codification Improvements." The amendments in this update are part of the FASB's ongoing project to improve codification and correcting unintended application. This ASU, i) removes references to various FASB Concepts Statements, ii) situates all disclosure guidance in the appropriate disclosure section of the Codification, and iii) makes other improvements and technical corrections to the Codification. The items within this ASU are not expected to have a significant effect on current accounting practice. The amendments in 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 this ASU 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)	6 Months Ended
	Dec. 31, 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)	6 Months Ended
	Dec. 31, 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: December 31, 2020 Amortized Gross Gross Estimated U.S. government agencies $ 18,966 $ 176 $ (4) $ 19,138 Residential MBS of U.S. government agencies and GSEs 39,357 1,693 (37) 41,013 Municipal bonds 10,333 566 — 10,899 Corporate bonds 82,151 342 (3) 82,490 Total $ 150,807 $ 2,777 $ (44) $ 153,540 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 December 31, 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. December 31, 2020 Amortized Estimated Due within one year $ 29,178 $ 29,250 Due after one year through five years 80,252 81,016 Due after five years through ten years 2,020 2,261 Due after ten years — — Mortgage-backed securities 39,357 41,013 Total $ 150,807 $ 153,540
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 December 31, 2020 and June 30, 2020 were as follows: December 31, 2020 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government agencies $ 14,996 $ (4) $ — $ — $ 14,996 $ (4) Residential MBS of U.S. government agencies and GSEs 115 (7) 1,922 (30) 2,037 (37) Corporate bonds 16,941 (3) — — 16,941 (3) Total $ 32,052 $ (14) $ 1,922 $ (30) $ 33,974 $ (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)	6 Months Ended
	Dec. 31, 2020
Investments, All Other Investments [Abstract]
Investment	Other investments, at cost consist of the following at the dates indicated: December 31, 2020 June 30, 2020 FHLB of Atlanta stock $ 23,309 $ 23,309 FRB stock 7,374 7,368 SBIC investments 8,889 8,269 Total $ 39,572 $ 38,946

Loans Held For Sale (Tables)

Loans Held For Sale (Tables)	6 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Schedule of Loans Held for Sale	Loans held for sale as of the dates indicated consist of the following: December 31, 2020 June 30, 2020 One-to-four family $ 45,998 $ 28,152 SBA 8,319 1,240 HELOCs 64,122 47,785 Total $ 118,439 $ 77,177 Loans consist of the following at the dates indicated: December 31, 2020 June 30, 2020 (1) Commercial loans: Commercial real estate $ 1,056,971 $ 1,052,906 Construction and development 172,892 215,934 Commercial and industrial 138,761 154,825 Equipment finance 272,761 229,239 Municipal finance 128,549 127,987 PPP 64,845 80,697 Total commercial loans 1,834,779 1,861,588 Retail consumer loans: One-to-four family 452,421 473,693 HELOCs - originated 125,397 137,447 HELOCs - purchased 58,640 71,781 Construction and land/lots 75,108 81,859 Indirect auto finance 122,947 132,303 Consumer 9,332 10,259 Total retail consumer loans 843,845 907,342 Total loans 2,678,624 2,768,930 Deferred loan costs, net (2) — 189 Total loans, net of deferred loan costs 2,678,624 2,769,119 Allowance for credit losses (39,844) (28,072) Loans, net $ 2,638,780 $ 2,741,047 ___________ (1) 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 related discounts, which includes the credit discount on the acquired credit impaired loans. (2) In accordance with the adoption of ASU 2016-13, the loan portfolio is shown at the amortized cost basis as of December 31, 2020, to include net deferred cost of $1,941 and unamortized discount total related to loans acquired of $5,126. Accrued interest receivable at December 31, 2020 of $8,612 is accounted for separately from the amortized cost basis. The ACL at June 30, 2020 includes the valuation allowance on PCI loans of $182. Type of Collateral and Extent to Which Collateral Secures Financial Assets Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,800 $ 2,460 $ — $ 1,050,711 $ 1,056,971 Construction and development — 80 — — 172,812 172,892 Commercial and industrial — — — 90 138,671 138,761 Equipment finance — — — 87 272,674 272,761 Municipal finance — — — 352 128,197 128,549 PPP — — — — 64,845 64,845 Retail consumer loans: One-to-four family 1,085 — — — 451,336 452,421 HELOCs - originated — — — — 125,397 125,397 HELOCs - purchased — — — — 58,640 58,640 Construction and land/lots — — — — 75,108 75,108 Indirect auto finance — — — — 122,947 122,947 Consumer — — — — 9,332 9,332 Total $ 1,085 $ 3,880 $ 2,460 $ 529 $ 2,670,670 $ 2,678,624 Total Collateral Value $ 1,257 $ 3,924 $ 2,732 $ 2,506

Loans (Tables)

Loans (Tables)	6 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable	Loans held for sale as of the dates indicated consist of the following: December 31, 2020 June 30, 2020 One-to-four family $ 45,998 $ 28,152 SBA 8,319 1,240 HELOCs 64,122 47,785 Total $ 118,439 $ 77,177 Loans consist of the following at the dates indicated: December 31, 2020 June 30, 2020 (1) Commercial loans: Commercial real estate $ 1,056,971 $ 1,052,906 Construction and development 172,892 215,934 Commercial and industrial 138,761 154,825 Equipment finance 272,761 229,239 Municipal finance 128,549 127,987 PPP 64,845 80,697 Total commercial loans 1,834,779 1,861,588 Retail consumer loans: One-to-four family 452,421 473,693 HELOCs - originated 125,397 137,447 HELOCs - purchased 58,640 71,781 Construction and land/lots 75,108 81,859 Indirect auto finance 122,947 132,303 Consumer 9,332 10,259 Total retail consumer loans 843,845 907,342 Total loans 2,678,624 2,768,930 Deferred loan costs, net (2) — 189 Total loans, net of deferred loan costs 2,678,624 2,769,119 Allowance for credit losses (39,844) (28,072) Loans, net $ 2,638,780 $ 2,741,047 ___________ (1) 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 related discounts, which includes the credit discount on the acquired credit impaired loans. (2) In accordance with the adoption of ASU 2016-13, the loan portfolio is shown at the amortized cost basis as of December 31, 2020, to include net deferred cost of $1,941 and unamortized discount total related to loans acquired of $5,126. Accrued interest receivable at December 31, 2020 of $8,612 is accounted for separately from the amortized cost basis. The ACL at June 30, 2020 includes the valuation allowance on PCI loans of $182. Type of Collateral and Extent to Which Collateral Secures Financial Assets Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,800 $ 2,460 $ — $ 1,050,711 $ 1,056,971 Construction and development — 80 — — 172,812 172,892 Commercial and industrial — — — 90 138,671 138,761 Equipment finance — — — 87 272,674 272,761 Municipal finance — — — 352 128,197 128,549 PPP — — — — 64,845 64,845 Retail consumer loans: One-to-four family 1,085 — — — 451,336 452,421 HELOCs - originated — — — — 125,397 125,397 HELOCs - purchased — — — — 58,640 58,640 Construction and land/lots — — — — 75,108 75,108 Indirect auto finance — — — — 122,947 122,947 Consumer — — — — 9,332 9,332 Total $ 1,085 $ 3,880 $ 2,460 $ 529 $ 2,670,670 $ 2,678,624 Total Collateral Value $ 1,257 $ 3,924 $ 2,732 $ 2,506
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 December 31, 2020 2021 2020 2019 2018 2017 Prior Revolving Total Commercial real estate Risk rating: Pass $ 84,992 $ 180,257 $ 146,108 $ 175,521 $ 166,606 $ 241,865 $ 32,112 $ 1,027,461 Special mention — — — 14,407 1,281 3,245 295 19,228 Substandard — — — 653 5,412 4,206 — 10,271 Doubtful — — — — — — — — Loss — 11 — — — — — 11 Total commercial real estate $ 84,992 $ 180,268 $ 146,108 $ 190,581 $ 173,299 $ 249,316 $ 32,407 $ 1,056,971 Construction and development Risk rating: Pass $ 8,366 $ 17,695 $ 10,527 $ 8,345 $ 1,621 $ 8,164 $ 114,970 $ 169,688 Special mention — — — — — 534 2,133 2,667 Substandard — — — — — 537 — 537 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and development $ 8,366 $ 17,695 $ 10,527 $ 8,345 $ 1,621 $ 9,235 $ 117,103 $ 172,892 Commercial and industrial Risk rating: Pass $ 12,949 $ 14,603 $ 22,120 $ 17,797 $ 17,448 $ 12,347 $ 33,356 $ 130,620 Special mention — — 794 — 952 171 5,656 7,573 Substandard — — 299 117 64 86 — 566 Doubtful — — — — — — — — Loss — 1 — — — 1 — 2 Total commercial and industrial $ 12,949 $ 14,604 $ 23,213 $ 17,914 $ 18,464 $ 12,605 $ 39,012 $ 138,761 Equipment finance Risk rating: Pass $ 73,835 $ 121,829 $ 69,830 $ 6,407 $ — $ — $ — $ 271,901 Special mention — 440 78 — — — — 518 Substandard — — 46 — — — — 46 Doubtful — — 296 — — — — 296 Loss — — — — — — — — Total equipment finance $ 73,835 $ 122,269 $ 70,250 $ 6,407 $ — $ — $ — $ 272,761 Municipal leases Risk rating: Pass $ 1,178 $ 21,158 $ 14,812 $ 19,662 $ 10,411 $ 54,947 $ 5,762 $ 127,930 Special mention — — — — — 271 — 271 Substandard — — — — — 348 — 348 Doubtful — — — — — — — — Loss — — — — — — — — Total municipal leases $ 1,178 $ 21,158 $ 14,812 $ 19,662 $ 10,411 $ 55,566 $ 5,762 $ 128,549 PPP Risk rating: Pass $ — $ 64,845 $ — $ — $ — $ — $ — $ 64,845 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total PPP $ — $ 64,845 $ — $ — $ — $ — $ — $ 64,845 Total commercial loans Risk rating: Pass $ 181,320 $ 420,387 $ 263,397 $ 227,732 $ 196,086 $ 317,323 $ 186,200 $ 1,792,445 Special mention — 440 872 14,407 2,233 4,221 8,084 30,257 Substandard — — 345 770 5,476 5,177 — 11,768 Doubtful — — 296 — — — — 296 Loss — 12 — — — 1 — 13 Total commercial loans $ 181,320 $ 420,839 $ 264,910 $ 242,909 $ 203,795 $ 326,722 $ 194,284 $ 1,834,779 The following table presents the credit risk profile by risk grade for consumer loans by origination year: Term Loans By Origination Year December 31, 2020 2021 2020 2019 2018 2017 Prior Revolving Total One-to-four family Risk rating: Pass $ 43,718 $ 55,592 $ 61,576 $ 55,305 $ 46,841 $ 175,540 $ 2,464 $ 441,036 Special mention — — — — 29 1,523 — 1,552 Substandard — 999 — 218 201 8,217 — 9,635 Doubtful — — — — — 197 — 197 Loss — — — 1 — — — 1 Total one-to-four family $ 43,718 $ 56,591 $ 61,576 $ 55,524 $ 47,071 $ 185,477 $ 2,464 $ 452,421 HELOCs - originated Risk rating: Pass $ 1,654 $ 1,066 $ 1,495 $ 455 $ 671 $ 8,619 $ 108,828 $ 122,788 Special mention — — — — — 769 — 769 Substandard — — — — 38 1,603 199 1,840 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - originated $ 1,654 $ 1,066 $ 1,495 $ 455 $ 709 $ 10,991 $ 109,027 $ 125,397 HELOCs - purchased Risk rating: Pass $ — $ — $ — $ — $ — $ — $ 57,799 $ 57,799 Special mention — — — — — — — — Substandard — — — — — — 841 841 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - purchased $ — $ — $ — $ — $ — $ — $ 58,640 $ 58,640 Construction and land/lots Risk rating: Pass $ 428 $ 23,130 $ 8,311 $ 1,270 $ — $ 4,948 $ 36,414 $ 74,501 Special mention — — — — — — — — Substandard — — — 102 — 505 — 607 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and land/lots $ 428 $ 23,130 $ 8,311 $ 1,372 $ — $ 5,453 $ 36,414 $ 75,108 Indirect auto finance Risk rating: Pass $ 22,171 $ 34,993 $ 21,944 $ 26,196 $ 11,684 $ 4,554 $ — $ 121,542 Special mention — — — — — — — — Substandard 8 208 386 436 217 147 — 1,402 Doubtful — — — — — — — — Loss — 2 1 — — — — 3 Total indirect auto finance $ 22,179 $ 35,203 $ 22,331 $ 26,632 $ 11,901 $ 4,701 $ — $ 122,947 Total consumer loans Risk rating: Pass $ 740 $ 1,213 $ 5,952 $ 363 $ 157 $ 159 $ 429 $ 9,013 Special mention — — — 4 — — — 4 Substandard 243 16 11 7 — 18 20 315 Doubtful — — — — — — — — Loss — — — — — — — — Total consumer loans $ 983 $ 1,229 $ 5,963 $ 374 $ 157 $ 177 $ 449 $ 9,332 Total retail consumer loans Risk rating: Pass $ 68,711 $ 115,994 $ 99,278 $ 83,589 $ 59,353 $ 193,820 $ 205,934 $ 826,679 Special mention — — — 4 29 2,292 — 2,325 Substandard 251 1,223 397 763 456 10,490 1,060 14,640 Doubtful — — — — — 197 — 197 Loss — 2 1 1 — — — 4 Total retail consumer loans $ 68,962 $ 117,219 $ 99,676 $ 84,357 $ 59,838 $ 206,799 $ 206,994 $ 843,845 The following table presents the credit risk profile by risk grade for total non-purchased and purchased performing 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 PPP 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 December 31, 2020 Commercial loans: Commercial real estate $ 45 $ 2,060 $ 2,105 $ 1,054,866 $ 1,056,971 Construction and development — 361 361 172,531 172,892 Commercial and industrial — 91 91 138,670 138,761 Equipment finance 286 68 354 272,407 272,761 Municipal finance — 352 352 128,197 128,549 PPP — — — 64,845 64,845 Retail consumer loans: One-to-four family 1,431 2,874 4,305 448,116 452,421 HELOCs - originated 98 248 346 125,051 125,397 HELOCs - purchased 147 145 292 58,348 58,640 Construction and land/lots — 22 22 75,086 75,108 Indirect auto finance 395 405 800 122,147 122,947 Consumer 256 17 273 9,059 9,332 Total loans $ 2,658 $ 6,643 $ 9,301 $ 2,669,323 $ 2,678,624 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 PPP — — — 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 six months ended December 31, 2020. December 31, 2020 June 30, 2020 90 Days + & Nonaccrual with no allowance as of December 31, 2020 Interest income recognized Commercial loans: Commercial real estate $ 7,751 $ 8,869 $ — $ 4,576 $ 290 Construction and development 537 465 — 80 39 Commercial and industrial 234 259 — 92 62 Equipment finance 354 801 — 293 14 Municipal finance 352 — 352 — Retail consumer loans: One-to-four family 3,425 3,582 — 1,085 129 HELOCs - originated 344 531 — — 34 HELOCs - purchased 841 662 — — 12 Construction and land/lots 22 37 — — — Indirect auto finance 661 668 — — 56 Consumer 18 49 — — 6 Total loans $ 14,539 $ 15,923 $ — $ 6,478 $ 642
Breakdown of Provision (Benefit) for Credit Losses	The following table presents a breakdown of the provision (benefit) for credit losses included in our Consolidated Statements of Income: Three Months Ended Six Months Ended December 31, December 31, 2020 2019 2020 2019 Provision (benefit) for credit losses: Loans $ (3,350) $ 400 $ (2,400) $ 400 Off-balance-sheet credit exposure 140 — 140 — Commercial paper 180 — 180 — Total provision (benefit) for credit losses $ (3,030) $ 400 $ (2,080) $ 400
Allowance for Credit Losses on Financing Receivables	The following table presents an analysis of the ACL on loans by segment: Three Months Ended Six Months Ended December 31, 2020 December 31, 2020 Commercial Retail Total Commercial Retail Total Balance at beginning of period $ 25,199 $ 17,933 $ 43,132 $ 21,116 $ 6,956 $ 28,072 Impact of adoption ASU 2016-13 — — — 4,073 10,736 14,809 Provision (benefit) for credit losses (292) (3,058) (3,350) — (2,400) (2,400) Charge-offs (308) (253) (561) (1,403) (935) (2,338) Recoveries 300 323 623 1,113 588 1,701 Net charge-offs (8) 70 62 (290) (347) (637) Balance at end of period $ 24,899 $ 14,945 $ 39,844 $ 24,899 $ 14,945 $ 39,844 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 Six Months Ended December 31, 2019 December 31, 2019 PCI Commercial Retail Total PCI Commercial Retail Total Balance at beginning of period $ 194 $ 15,392 $ 5,728 $ 21,314 $ 201 $ 14,809 $ 6,419 $ 21,429 Provision for (recovery of) loan losses (42) 1,485 (1,043) 400 (49) 2,048 (1,599) 400 Charge-offs — (599) (96) (695) — (742) (383) (1,125) Recoveries — 201 811 1,012 — 364 963 1,327 Balance at end of period $ 152 $ 16,479 $ 5,400 $ 22,031 $ 152 $ 16,479 $ 5,400 $ 22,031
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 December 31, 2020 Commercial loans: Commercial real estate $ 86 $ 12,841 $ 12,927 $ 6,463 $ 1,050,508 $ 1,056,971 Construction and development — 2,385 2,385 80 172,812 172,892 Commercial and industrial 16 2,874 2,890 887 137,874 138,761 Equipment finance 76 6,179 6,255 373 272,388 272,761 Municipal finance — 442 442 352 128,197 128,549 PPP — — — — 64,845 64,845 Retail consumer loans: One-to-four family 11 7,800 7,811 3,266 449,155 452,421 HELOCs - originated — 1,680 1,680 — 125,397 125,397 HELOCs - purchased — 784 784 — 58,640 58,640 Construction and land/lots — 1,456 1,456 — 75,108 75,108 Indirect auto finance — 2,978 2,978 — 122,947 122,947 Consumer — 236 236 — 9,332 9,332 Total $ 189 $ 39,655 $ 39,844 $ 11,421 $ 2,667,203 $ 2,678,624 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 PPP — — — — — — 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 presents average recorded investments in impaired loans and interest income recognized on impaired loans, prior to the adoption of ASU 2016-13: Three Months Ended Six Months Ended December 31, 2019 December 31, 2019 Average Interest Average Interest Commercial loans: Commercial real estate $ 8,665 $ 76 $ 8,419 $ 144 Construction and development 1,181 11 1,527 26 Commercial and industrial 742 14 710 90 Equipment finance 1,032 — 643 3 Retail consumer loans: One-to-four family 14,276 192 15,085 378 HELOCs - originated 1,862 26 1,700 53 HELOCs - purchased 476 3 540 6 Construction and land/lots 1,117 20 1,201 44 Indirect auto finance 483 6 467 15 Consumer 53 3 288 6 Total loans $ 29,887 $ 351 $ 30,580 $ 765
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 Six Months Ended December 31, 2019 December 31, 2019 Accretable yield, beginning of period $ 4,916 $ 5,259 Reclass from nonaccretable yield (1) 135 250 Other changes, net (2) (295) (309) Interest income (401) (845) Accretable yield, end of period $ 4,355 $ 4,355 ______________________________________ (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 and six months ended December 31, 2020 and 2019, the following table presents a breakdown of the types of concessions made on TDRs by loan class: Three Months Ended December 31, 2020 Three Months Ended December 31, 2019 Number Pre Post Number Pre Post Below market interest rate: Commercial: Commercial real estate — $ — $ — 1 $ 88 $ 88 Extended payment terms: Commercial: Commercial and industrial — — — 1 826 826 Retail consumer: One-to-four family — — — 1 56 53 Other TDRs: Commercial: Construction and development — — — 1 182 79 Retail consumer: One-to-four family 1 19 16 2 11 10 Construction and land/lots 1 225 223 — — — Indirect auto finance 3 45 43 — — — Total 5 $ 289 $ 282 6 $ 1,163 $ 1,056 Six Months Ended December 31, 2020 Six Months Ended December 31, 2019 Number Pre Post Number Pre Post Below market interest rate: Commercial: Commercial real estate — $ — $ — 1 $ 88 $ 88 Extended payment terms: Commercial: Commercial and industrial — — — 1 826 826 Retail consumer: One-to-four family — — — 2 70 67 Other TDRs: Commercial: Commercial real estate 1 4,408 3,800 — — — Construction and development — — — 1 182 79 Retail consumer: One-to-four family 1 19 16 3 45 43 Construction and land/lots 1 225 223 — — — Indirect auto finance 9 141 109 4 68 61 Total 12 $ 4,793 $ 4,148 12 $ 1,279 $ 1,164
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 and six months ended December 31, 2020 and 2019: Three Months Ended December 31, 2020 Three Months Ended December 31, 2019 Number of Recorded Number of Recorded Other TDRs: Retail consumer: Indirect auto finance 1 $ 1 — $ — Total 1 $ 1 — $ — Six Months Ended December 31, 2020 Six Months Ended December 31, 2019 Number of Recorded Number of Recorded Other TDRs: Retail consumer: One-to-four family — $ — 2 $ 50 Indirect auto finance 2 12 — — Total 2 $ 12 2 $ 50
Financing Receivable, Payment Deferral	The breakout of loans deferred by loan type as of the dates indicated is as follows: Principal and Interest Payment Deferrals by Loan Types (1) (2) December 31, 2020 June 30, 2020 Deferral Percent of Total Loan Portfolio Deferral Percent of Total Loan Portfolio Lodging $ — — % $ 108,171 4.0 % Other commercial real estate, construction and development, and commercial and industrial 4,018 0.2 367,443 13.7 Equipment finance 2,196 0.1 33,693 1.3 One-to-four family 822 — 36,821 1.4 Other consumer loans 832 — 5,203 0.2 Total $ 7,868 0.3 % $ 551,331 20.6 % __________________________ (1) Modified loans are not included in classified assets or nonperforming assets. (2) Principal and interest is being deferred

Real Estate Owned (Tables)

Real Estate Owned (Tables)	6 Months Ended
	Dec. 31, 2020
Real Estate Owned [Abstract]
Schedule of Real Estate Properties	The activity within REO for the periods shown is as follows: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Balance at beginning of period $ 144 $ 2,582 $ 337 $ 2,929 Transfers from loans 108 — 108 46 Sales, net of gain or loss — (965) (193) (1,346) Writedowns — (166) — (178) Balance at end of period $ 252 $ 1,451 $ 252 $ 1,451

Net Income per Share (Tables)

Net Income per Share (Tables)	6 Months Ended
	Dec. 31, 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 December 31, Six Months Ended December 31, 2020 2019 2020 2019 Numerator: Net income $ 9,461 $ 9,191 $ 15,214 $ 17,995 Allocation of earnings to participating securities (77) (72) (124) (140) Numerator for basic EPS - Net income available to common stockholders $ 9,384 $ 9,119 $ 15,090 $ 17,855 Effect of dilutive securities: Dilutive effect to participating securities 1 8 2 5 Numerator for diluted EPS $ 9,385 $ 9,127 $ 15,092 $ 17,860 Denominator: Weighted-average common shares outstanding - basic 16,202,844 16,906,457 16,216,917 17,002,052 Effect of dilutive shares 360,515 661,223 297,914 658,635 Weighted-average common shares outstanding - diluted 16,563,359 17,567,680 16,514,831 17,660,687 Net income per share - basic $ 0.58 $ 0.54 $ 0.93 $ 1.05 Net income per share - diluted $ 0.57 $ 0.52 $ 0.92 $ 1.01

Equity Incentive Plan (Tables)

Equity Incentive Plan (Tables)	6 Months Ended
	Dec. 31, 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 and six months ended December 31, 2020 and 2019, respectively: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Share-based compensation expense $ 454 $ 440 $ 960 $ 883 Tax benefit $ 107 $ 103 $ 226 $ 208
Equity Incentive Plan Stock Option Activity	The table below presents stock option activity for the six months ended December 31, 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 66,900 14.40 — — Forfeited 800 17.35 — — Options outstanding at December 31, 2019 1,614,514 $ 17.84 4.7 $ 14,538 Exercisable at December 31, 2019 1,212,714 $ 15.45 3.5 $ 13,805 Non-vested at December 31, 2019 401,800 $ 25.07 7.9 $ 733 Options outstanding at June 30, 2020 1,615,500 $ 18.12 4.4 $ 1,711 Exercised 54,000 14.37 — — Forfeited 26,900 25.77 — — Options outstanding at December 31, 2020 1,534,600 $ 18.12 3.8 $ 5,070 Exercisable at December 31, 2020 1,243,700 $ 16.35 3.0 $ 5,027 Non-vested at December 31, 2020 290,900 $ 25.67 7.3 $ 42
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions	Assumptions used in estimating the fair value of options granted during the six months ended December 31, 2019 are presented below: December 31, 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 six months ended December 31, 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 December 31, 2019 133,200 $ 24.83 $ 3,574 Non-vested at June 30, 2020 144,046 $ 25.89 $ 2,305 Vested 2,600 25.37 — Forfeited 7,650 25.65 — Non-vested at December 31, 2020 133,796 $ 25.91 $ 2,584

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	6 Months Ended
	Dec. 31, 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: December 31, 2020 Description Total Level 1 Level 2 Level 3 U.S government agencies $ 19,138 $ — $ 19,138 $ — Residential MBS of U.S. government agencies and GSEs 41,013 — 41,013 — Municipal bonds 10,899 — 10,899 — Corporate bonds 82,490 — 82,490 — Total $ 153,540 $ — $ 153,540 $ — 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 48,355 — 48,355 — Municipal bonds 16,631 — 16,631 — Corporate bonds 58,378 — 58,378 — Total $ 127,537 $ — $ 127,537 $ —
Fair Value Measurements, Nonrecurring	The following table presents financial assets measured at fair value on a non-recurring basis at the dates indicated: December 31, 2020 Description Total Level 1 Level 2 Level 3 Individually evaluated loans $ 5,230 $ — $ — $ 5,230 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 December 31, 2020 is shown in the table below: Nonrecurring measurements: Fair Value at December 31, 2020 Valuation Unobservable Range Weighted Individually evaluated loans $ 5,230 Discounted appraisals and discounted cash flows Collateral discounts 0% - 53% 2% - 3% 13%
Fair Value, by Balance Sheet Grouping	The stated carrying value and estimated fair value amounts of financial instruments as of December 31, 2020 and June 30, 2020, are summarized below: December 31, 2020 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and interest-bearing deposits $ 226,344 $ 226,344 $ 226,344 $ — $ — Commercial paper 183,778 183,778 183,778 — — Certificates of deposit in other banks 48,637 48,637 — 48,637 — Securities available for sale 153,540 153,540 — 153,540 — Loans, net 2,638,780 2,608,848 — — 2,608,848 Loans held for sale 118,439 120,254 — — 120,254 FHLB stock 23,309 23,309 23,309 — — FRB stock 7,374 7,374 7,374 — — SBIC investments 8,889 8,889 — — 8,889 Accrued interest receivable 9,796 9,796 — 1,184 8,612 Liabilities: Noninterest-bearing and NOW deposits 1,124,958 1,124,958 — 1,124,958 — Money market accounts 882,366 882,366 — 882,366 — Savings accounts 209,699 209,699 — 209,699 — Certificates of deposit 526,246 529,661 — 529,661 — Borrowings 475,000 504,734 — 504,734 — Accrued interest payable 623 623 — 623 — 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)	6 Months Ended
	Dec. 31, 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: December 31, 2020 June 30, 2020 ROU assets $ 4,546 $ 4,601 Lease liabilities 4,561 4,590 Weighted-average remaining lease terms 4.56 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 December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 663 2022 1,248 2023 1,200 2024 735 2025 349 Thereafter 676 Total of future minimum payments $ 4,871
Lease, Cost	The following table presents components of operating lease expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease cost (included in occupancy expense) $ 452 $ 459 $ 891 $ 932 Sublease income (included in other, net noninterest income) (61) (56) (122) (120) Total operating lease expense, net $ 391 $ 403 $ 769 $ 812 Supplemental lease cash flow information for the six months ended December 31, 2020 and 2019: 2020 2019 ROU assets - noncash additions (operating leases) $ 597 $ 5,296 ROU assets - noncash addition (finance lease) — 2,052 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 1,055 1,091 Cash paid for amounts included in the measurement of lease liabilities (finance leases) 67 67
Finance Lease, Liability, Maturity	The following schedule summarizes aggregate future minimum lease payments under this finance lease obligation at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 66 2022 134 2023 134 2024 145 2025 146 Thereafter 1,848 Total minimum lease payments 2,473 Less: amount representing interest (650) Present value of net minimum lease payments $ 1,823
Schedule of Total Equipment Finance Operating Lease Income and Depreciation Expense	The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2020 and 2019: Three Months Ended December 31, Six Months Ended December 31, 2020 2019 2020 2019 Operating lease income $ 1,349 $ 658 $ 2,675 $ 1,226 Depreciation expense 1,413 459 2,954 808
Lessor, Operating Lease, Payments to be Received, Maturity	The following schedule summarizes aggregate future minimum operating lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 2,902 2022 5,038 2023 3,192 2024 1,123 2025 320 Thereafter 48 Total of future minimum payments $ 12,623
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: December 31, 2020 June 30, 2020 Lease receivables $ 54,024 $ 44,927 The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2020: Fiscal year ending June 30: Remaining 2021 $ 6,452 2022 14,628 2023 14,205 2024 12,073 2025 8,358 Thereafter 3,813 Total minimum payments 59,529 Less: amount representing interest (5,505) Total $ 54,024

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jul. 01, 2020
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accrued interest receivable for investment securities available for sale	$ 926
Accrued interest receivable	8,612
Liability recorded for expected credit losses on unfunded commitments in Other Liabilities	$ 2,428	$ 0

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Sep. 30, 2020	Jul. 01, 2020	Jun. 30, 2020		Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019
Assets
ACL on commercial paper			$ 0
ACL on loans	$ (39,844)	$ (43,132)	(28,072)	$ (28,072)	[1]	$ (22,031)	$ (21,314)	$ (21,429)
Deferred income taxes	18,626		16,334	16,334	[1]
Liabilities
Liability for credit losses on off-balance sheet credit exposures	2,428		0
Equity:
Retained earnings	242,182		242,776	242,776	[1]
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		0	(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	(14,945)	(17,933)	(6,956)	(6,956)		(5,400)	(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		0	(10,736)	(10,736)
Commercial Loans
Assets
ACL on loans	$ (24,899)	(25,199)	(21,116)	(21,116)		$ (16,479)	$ (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		$ 0	$ (4,073)	$ (4,073)
[1]	Derived from audited financial statements.

Debt Securities - Available for

Debt Securities - Available for Sale Securities Table (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 150,807	$ 124,918
Gross Unrealized Gains	2,777	2,803
Gross Unrealized Losses	(44)	(184)
Estimated Fair Value	153,540	127,537	[1]
U.S. government agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	18,966	3,957
Gross Unrealized Gains	176	216
Gross Unrealized Losses	(4)	0
Estimated Fair Value	19,138	4,173
Residential MBS of U.S. government agencies and GSEs
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	39,357	46,629
Gross Unrealized Gains	1,693	1,776
Gross Unrealized Losses	(37)	(50)
Estimated Fair Value	41,013	48,355
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	10,333	16,090
Gross Unrealized Gains	566	541
Gross Unrealized Losses	0	0
Estimated Fair Value	10,899	16,631
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	82,151	58,242
Gross Unrealized Gains	342	270
Gross Unrealized Losses	(3)	(134)
Estimated Fair Value	$ 82,490	$ 58,378
[1]	Derived from audited financial statements.

Debt Securities - Schedule of I

Debt Securities - Schedule of Investments Classified by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Amortized Cost
Due within one year	$ 29,178
Due after one year through five years	80,252
Due after five years through ten years	2,020
Due after ten years	0
Total	150,807
Estimated Fair Value
Due within one year	29,250
Due after one year through five years	81,016
Due after five years through ten years	2,261
Due after ten years	0
Estimated Fair Value	153,540	$ 127,537	[1]
Residential MBS of U.S. government agencies and GSEs
Amortized Cost
Total	39,357
Estimated Fair Value
Estimated Fair Value	$ 41,013	$ 48,355
[1]	Derived from audited financial statements.

Debt Securities - Narrative (De

Debt Securities - Narrative (Details)	6 Months Ended
	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)	Jun. 30, 2020USD ($)security
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 153,540,000		$ 127,537,000	[1]
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	$ 54,780,000		$ 84,456,000
Number of securities with unrealized losses | security	21		24
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 53,433,000		$ 82,888,000
[1]	Derived from audited financial statements.

Debt Securities - Available f_2

Debt Securities - Available for Sale Securities Continuous Unrealized Loss Position Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 153,540	$ 127,537	[1]
Less than 12 Months, Fair Value	32,052	12,006
12 Months or Longer, Fair Value	1,922	2,435
Total, Fair Value	33,974	14,441
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(14)	(144)
12 Months or More, Unrealized Losses	(30)	(40)
Total, Unrealized Losses	(44)	(184)
U.S. government agencies
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	19,138	4,173
Less than 12 Months, Fair Value	14,996
12 Months or Longer, Fair Value	0
Total, Fair Value	14,996
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(4)
12 Months or More, Unrealized Losses	0
Total, Unrealized Losses	(4)
Residential MBS of U.S. government agencies and GSEs
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	41,013	48,355
Less than 12 Months, Fair Value	115	227
12 Months or Longer, Fair Value	1,922	2,435
Total, Fair Value	2,037	2,662
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(7)	(10)
12 Months or More, Unrealized Losses	(30)	(40)
Total, Unrealized Losses	(37)	(50)
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	82,490	58,378
Less than 12 Months, Fair Value	16,941	11,779
12 Months or Longer, Fair Value	0	0
Total, Fair Value	16,941	11,779
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(3)	(134)
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	(3)	(134)
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 53,433	$ 82,888
[1]	Derived from audited financial statements.

Other Investments (Details)

Other Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Other Investment Not Readily Marketable [Line Items]
FHLB of Atlanta	$ 23,309	$ 23,309
Federal Reserve Bank of Richmond (FRB)	7,374	7,368
Other investments, at cost	39,572	38,946	[1]
Small Business Investment Companies (SBIC)
Other Investment Not Readily Marketable [Line Items]
Nonmarketable Investment Securities	$ 8,889	$ 8,269
[1]	Derived from audited financial statements.

Loans Held For Sale (Details)

Loans Held For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Total	$ 118,439	$ 77,177	[1]
One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total	45,998	28,152
SBA
Accounts, Notes, Loans and Financing Receivable
Total	8,319	1,240
HELOCs
Accounts, Notes, Loans and Financing Receivable
Total	$ 64,122	$ 47,785
[1]	Derived from audited financial statements.

Loans - Schedule of Accounts, N

Loans - Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Sep. 30, 2020	Jul. 01, 2020	Jun. 30, 2020		Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable
Total loans	$ 2,678,624			$ 2,768,930
Deferred loan fees, net	0			189
Total loans, net of deferred loan costs	2,678,624			2,769,119	[1]
Allowance for credit losses	(39,844)	$ (43,132)	$ (28,072)	(28,072)	[1]	$ (22,031)	$ (21,314)	$ (21,429)
Total loans	2,638,780			2,741,047	[1]
Deferred cost	1,941
Unamortized discount total related to loans acquired	5,126
Accrued interest receivable	8,612
PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				12,792
Allowance for credit losses				(182)		(152)	(194)	(201)
Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Total loans	1,834,779			1,861,588
Total loans, net of deferred loan costs	1,834,779
Allowance for credit losses	(24,899)	(25,199)	(21,116)	(21,116)		(16,479)	(15,392)	(14,809)
Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans	64,845			80,697
Total loans, net of deferred loan costs	64,845
Allowance for credit losses	0			0
Commercial Loans | PPP | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				0
Allowance for credit losses				0
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans	1,056,971			1,052,906
Total loans, net of deferred loan costs	1,056,971
Allowance for credit losses	(12,927)			(11,805)
Commercial Loans | Commercial real estate | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				5,822
Allowance for credit losses				(113)
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans	172,892			215,934
Total loans, net of deferred loan costs	172,892
Allowance for credit losses	(2,385)			(3,608)
Commercial Loans | Construction and development | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				590
Allowance for credit losses				(4)
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans	138,761			154,825
Total loans, net of deferred loan costs	138,761
Allowance for credit losses	(2,890)			(2,199)
Commercial Loans | Commercial and industrial | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				1,562
Allowance for credit losses				(15)
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans	272,761			229,239
Total loans, net of deferred loan costs	272,761
Allowance for credit losses	(6,255)			(2,807)
Commercial Loans | Equipment finance | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				0
Allowance for credit losses				0
Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans	128,549			127,987
Total loans, net of deferred loan costs	128,549
Allowance for credit losses	(442)			(697)
Commercial Loans | Municipal finance | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				0
Allowance for credit losses				0
Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Total loans	843,845			907,342
Total loans, net of deferred loan costs	843,845
Allowance for credit losses	(14,945)	$ (17,933)	$ (6,956)	(6,956)		$ (5,400)	$ (5,728)	$ (6,419)
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans	452,421			473,693
Total loans, net of deferred loan costs	452,421
Allowance for credit losses	(7,811)			(2,469)
Retail Consumer Loans | One-to-four family | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				4,473
Allowance for credit losses				(17)
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans	125,397			137,447
Total loans, net of deferred loan costs	125,397
Allowance for credit losses	(1,680)			(1,344)
Retail Consumer Loans | HELOCs - originated | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				0
Allowance for credit losses				0
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans	58,640			71,781
Total loans, net of deferred loan costs	58,640
Allowance for credit losses	(784)			(430)
Retail Consumer Loans | HELOCs - purchased | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				0
Allowance for credit losses				0
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans	75,108			81,859
Total loans, net of deferred loan costs	75,108
Allowance for credit losses	(1,456)			(1,442)
Retail Consumer Loans | Construction and land/lots | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				345
Allowance for credit losses				(33)
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans	122,947			132,303
Total loans, net of deferred loan costs	122,947
Allowance for credit losses	(2,978)			(1,136)
Retail Consumer Loans | Indirect auto finance | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				0
Allowance for credit losses				0
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans	9,332			10,259
Total loans, net of deferred loan costs	9,332
Allowance for credit losses	$ (236)			(135)
Retail Consumer Loans | Consumer | PCI
Accounts, Notes, Loans and Financing Receivable
Total loans				0
Allowance for credit losses				$ 0
[1]	Derived from audited financial statements.

Loans - Financing Receivable Cr

Loans - Financing Receivable Credit Quality Indicators, After Adoption of ASU 2016-13 (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020	[1]
Financing Receivable, Recorded Investment
Total loans, net of deferred loan costs	$ 2,678,624	$ 2,769,119
Commercial Loans
Financing Receivable, Recorded Investment
2021	181,320
2020	420,839
2019	264,910
2018	242,909
2017	203,795
Prior	326,722
Revolving	194,284
Total loans, net of deferred loan costs	1,834,779
Commercial Loans | PPP
Financing Receivable, Recorded Investment
2021	0
2020	64,845
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	64,845
Commercial Loans | Pass
Financing Receivable, Recorded Investment
2021	181,320
2020	420,387
2019	263,397
2018	227,732
2017	196,086
Prior	317,323
Revolving	186,200
Total loans, net of deferred loan costs	1,792,445
Commercial Loans | Pass | PPP
Financing Receivable, Recorded Investment
2021	0
2020	64,845
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	64,845
Commercial Loans | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	440
2019	872
2018	14,407
2017	2,233
Prior	4,221
Revolving	8,084
Total loans, net of deferred loan costs	30,257
Commercial Loans | Special Mention | PPP
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	0
2019	345
2018	770
2017	5,476
Prior	5,177
Revolving	0
Total loans, net of deferred loan costs	11,768
Commercial Loans | Substandard | PPP
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	296
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	296
Commercial Loans | Doubtful | PPP
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	12
2019	0
2018	0
2017	0
Prior	1
Revolving	0
Total loans, net of deferred loan costs	13
Commercial Loans | Loss | PPP
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	84,992
2020	180,268
2019	146,108
2018	190,581
2017	173,299
Prior	249,316
Revolving	32,407
Total loans, net of deferred loan costs	1,056,971
Commercial Loans | Commercial real estate | Pass
Financing Receivable, Recorded Investment
2021	84,992
2020	180,257
2019	146,108
2018	175,521
2017	166,606
Prior	241,865
Revolving	32,112
Total loans, net of deferred loan costs	1,027,461
Commercial Loans | Commercial real estate | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	14,407
2017	1,281
Prior	3,245
Revolving	295
Total loans, net of deferred loan costs	19,228
Commercial Loans | Commercial real estate | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	653
2017	5,412
Prior	4,206
Revolving	0
Total loans, net of deferred loan costs	10,271
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	11
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	11
Commercial Loans | Construction and development
Financing Receivable, Recorded Investment
2021	8,366
2020	17,695
2019	10,527
2018	8,345
2017	1,621
Prior	9,235
Revolving	117,103
Total loans, net of deferred loan costs	172,892
Commercial Loans | Construction and development | Pass
Financing Receivable, Recorded Investment
2021	8,366
2020	17,695
2019	10,527
2018	8,345
2017	1,621
Prior	8,164
Revolving	114,970
Total loans, net of deferred loan costs	169,688
Commercial Loans | Construction and development | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	534
Revolving	2,133
Total loans, net of deferred loan costs	2,667
Commercial Loans | Construction and development | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	537
Revolving	0
Total loans, net of deferred loan costs	537
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	12,949
2020	14,604
2019	23,213
2018	17,914
2017	18,464
Prior	12,605
Revolving	39,012
Total loans, net of deferred loan costs	138,761
Commercial Loans | Commercial and industrial | Pass
Financing Receivable, Recorded Investment
2021	12,949
2020	14,603
2019	22,120
2018	17,797
2017	17,448
Prior	12,347
Revolving	33,356
Total loans, net of deferred loan costs	130,620
Commercial Loans | Commercial and industrial | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	794
2018	0
2017	952
Prior	171
Revolving	5,656
Total loans, net of deferred loan costs	7,573
Commercial Loans | Commercial and industrial | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	299
2018	117
2017	64
Prior	86
Revolving	0
Total loans, net of deferred loan costs	566
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	1
2019	0
2018	0
2017	0
Prior	1
Revolving	0
Total loans, net of deferred loan costs	2
Commercial Loans | Equipment finance
Financing Receivable, Recorded Investment
2021	73,835
2020	122,269
2019	70,250
2018	6,407
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	272,761
Commercial Loans | Equipment finance | Pass
Financing Receivable, Recorded Investment
2021	73,835
2020	121,829
2019	69,830
2018	6,407
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	271,901
Commercial Loans | Equipment finance | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	440
2019	78
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	518
Commercial Loans | Equipment finance | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	46
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	46
Commercial Loans | Equipment finance | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	296
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	296
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	1,178
2020	21,158
2019	14,812
2018	19,662
2017	10,411
Prior	55,566
Revolving	5,762
Total loans, net of deferred loan costs	128,549
Commercial Loans | Municipal finance | Pass
Financing Receivable, Recorded Investment
2021	1,178
2020	21,158
2019	14,812
2018	19,662
2017	10,411
Prior	54,947
Revolving	5,762
Total loans, net of deferred loan costs	127,930
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	348
Revolving	0
Total loans, net of deferred loan costs	348
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	68,962
2020	117,219
2019	99,676
2018	84,357
2017	59,838
Prior	206,799
Revolving	206,994
Total loans, net of deferred loan costs	843,845
Retail Consumer Loans | Pass
Financing Receivable, Recorded Investment
2021	68,711
2020	115,994
2019	99,278
2018	83,589
2017	59,353
Prior	193,820
Revolving	205,934
Total loans, net of deferred loan costs	826,679
Retail Consumer Loans | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	4
2017	29
Prior	2,292
Revolving	0
Total loans, net of deferred loan costs	2,325
Retail Consumer Loans | Substandard
Financing Receivable, Recorded Investment
2021	251
2020	1,223
2019	397
2018	763
2017	456
Prior	10,490
Revolving	1,060
Total loans, net of deferred loan costs	14,640
Retail Consumer Loans | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	197
Revolving	0
Total loans, net of deferred loan costs	197
Retail Consumer Loans | Loss
Financing Receivable, Recorded Investment
2021	0
2020	2
2019	1
2018	1
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	4
Retail Consumer Loans | One-to-four family
Financing Receivable, Recorded Investment
2021	43,718
2020	56,591
2019	61,576
2018	55,524
2017	47,071
Prior	185,477
Revolving	2,464
Total loans, net of deferred loan costs	452,421
Retail Consumer Loans | One-to-four family | Pass
Financing Receivable, Recorded Investment
2021	43,718
2020	55,592
2019	61,576
2018	55,305
2017	46,841
Prior	175,540
Revolving	2,464
Total loans, net of deferred loan costs	441,036
Retail Consumer Loans | One-to-four family | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	29
Prior	1,523
Revolving	0
Total loans, net of deferred loan costs	1,552
Retail Consumer Loans | One-to-four family | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	999
2019	0
2018	218
2017	201
Prior	8,217
Revolving	0
Total loans, net of deferred loan costs	9,635
Retail Consumer Loans | One-to-four family | Doubtful
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	197
Revolving	0
Total loans, net of deferred loan costs	197
Retail Consumer Loans | One-to-four family | Loss
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	1
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	1
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Recorded Investment
2021	1,654
2020	1,066
2019	1,495
2018	455
2017	709
Prior	10,991
Revolving	109,027
Total loans, net of deferred loan costs	125,397
Retail Consumer Loans | HELOCs - originated | Pass
Financing Receivable, Recorded Investment
2021	1,654
2020	1,066
2019	1,495
2018	455
2017	671
Prior	8,619
Revolving	108,828
Total loans, net of deferred loan costs	122,788
Retail Consumer Loans | HELOCs - originated | Special Mention
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	769
Revolving	0
Total loans, net of deferred loan costs	769
Retail Consumer Loans | HELOCs - originated | Substandard
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	38
Prior	1,603
Revolving	199
Total loans, net of deferred loan costs	1,840
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	58,640
Total loans, net of deferred loan costs	58,640
Retail Consumer Loans | HELOCs - purchased | Pass
Financing Receivable, Recorded Investment
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	57,799
Total loans, net of deferred loan costs	57,799
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	841
Total loans, net of deferred loan costs	841
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	428
2020	23,130
2019	8,311
2018	1,372
2017	0
Prior	5,453
Revolving	36,414
Total loans, net of deferred loan costs	75,108
Retail Consumer Loans | Construction and land/lots | Pass
Financing Receivable, Recorded Investment
2021	428
2020	23,130
2019	8,311
2018	1,270
2017	0
Prior	4,948
Revolving	36,414
Total loans, net of deferred loan costs	74,501
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	102
2017	0
Prior	505
Revolving	0
Total loans, net of deferred loan costs	607
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	22,179
2020	35,203
2019	22,331
2018	26,632
2017	11,901
Prior	4,701
Revolving	0
Total loans, net of deferred loan costs	122,947
Retail Consumer Loans | Indirect auto finance | Pass
Financing Receivable, Recorded Investment
2021	22,171
2020	34,993
2019	21,944
2018	26,196
2017	11,684
Prior	4,554
Revolving	0
Total loans, net of deferred loan costs	121,542
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	8
2020	208
2019	386
2018	436
2017	217
Prior	147
Revolving	0
Total loans, net of deferred loan costs	1,402
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	2
2019	1
2018	0
2017	0
Prior	0
Revolving	0
Total loans, net of deferred loan costs	3
Retail Consumer Loans | Consumer
Financing Receivable, Recorded Investment
2021	983
2020	1,229
2019	5,963
2018	374
2017	157
Prior	177
Revolving	449
Total loans, net of deferred loan costs	9,332
Retail Consumer Loans | Consumer | Pass
Financing Receivable, Recorded Investment
2021	740
2020	1,213
2019	5,952
2018	363
2017	157
Prior	159
Revolving	429
Total loans, net of deferred loan costs	9,013
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	243
2020	16
2019	11
2018	7
2017	0
Prior	18
Revolving	20
Total loans, net of deferred loan costs	315
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
[1]	Derived from audited financial statements.

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 | PPP
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 | PPP
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 | PPP
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 | PPP
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 | PPP
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 | PPP
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	Dec. 31, 2020	Jun. 30, 2020
Financing Receivable, Past Due [Line Items]
Past Due	$ 9,301	$ 16,133
Current	2,669,323	2,752,797
Total Loans	2,678,624	2,768,930
30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	2,658	8,245
90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	6,643	7,888
Commercial Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,834,779	1,861,588
Commercial Loans | PPP
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Current	64,845	80,697
Total Loans	64,845	80,697
Commercial Loans | 30-89 Days | PPP
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Commercial Loans | 90 Days+ | PPP
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Commercial Loans | Commercial real estate
Financing Receivable, Past Due [Line Items]
Past Due	2,105	7,420
Current	1,054,866	1,045,486
Total Loans	1,056,971	1,052,906
Commercial Loans | Commercial real estate | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	45	4,528
Commercial Loans | Commercial real estate | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	2,060	2,892
Commercial Loans | Construction and development
Financing Receivable, Past Due [Line Items]
Past Due	361	634
Current	172,531	215,300
Total Loans	172,892	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	91	91
Current	138,670	154,734
Total Loans	138,761	154,825
Commercial Loans | Commercial and industrial | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Commercial Loans | Commercial and industrial | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	91	91
Commercial Loans | Equipment finance
Financing Receivable, Past Due [Line Items]
Past Due	354	801
Current	272,407	228,438
Total Loans	272,761	229,239
Commercial Loans | Equipment finance | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	286	303
Commercial Loans | Equipment finance | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	68	498
Commercial Loans | Municipal finance
Financing Receivable, Past Due [Line Items]
Past Due	352	0
Current	128,197	127,987
Total Loans	128,549	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	352	0
Retail Consumer Loans
Financing Receivable, Past Due [Line Items]
Total Loans	843,845	907,342
Retail Consumer Loans | One-to-four family
Financing Receivable, Past Due [Line Items]
Past Due	4,305	4,826
Current	448,116	468,867
Total Loans	452,421	473,693
Retail Consumer Loans | One-to-four family | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	1,431	1,679
Retail Consumer Loans | One-to-four family | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	2,874	3,147
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Past Due [Line Items]
Past Due	346	752
Current	125,051	136,695
Total Loans	125,397	137,447
Retail Consumer Loans | HELOCs - originated | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	98	442
Retail Consumer Loans | HELOCs - originated | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	248	310
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Past Due [Line Items]
Past Due	292	261
Current	58,348	71,520
Total Loans	58,640	71,781
Retail Consumer Loans | HELOCs - purchased | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	147	214
Retail Consumer Loans | HELOCs - purchased | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	145	47
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Past Due [Line Items]
Past Due	22	252
Current	75,086	81,607
Total Loans	75,108	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	22	252
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Past Due [Line Items]
Past Due	800	1,041
Current	122,147	131,262
Total Loans	122,947	132,303
Retail Consumer Loans | Indirect auto finance | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	395	756
Retail Consumer Loans | Indirect auto finance | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	405	285
Retail Consumer Loans | Consumer
Financing Receivable, Past Due [Line Items]
Past Due	273	55
Current	9,059	10,204
Total Loans	9,332	10,259
Retail Consumer Loans | Consumer | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	256	30
Retail Consumer Loans | Consumer | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	$ 17	$ 25

Loans - Schedule of Past Due Lo

Loans - Schedule of Past Due Loans Still Accruing and Nonaccruing Interest (Details) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	$ 14,539	$ 15,923
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	6,478
Interest income recognized	642
Purchased Credit Impaired (PCI) Loans
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	486
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	7,751	8,869
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	4,576
Interest income recognized	290
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	537	465
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	80
Interest income recognized	39
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	234	259
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	92
Interest income recognized	62
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	354	801
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	293
Interest income recognized	14
Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	352	0
90 Days + & still accruing as of December 31, 2020
Nonaccrual with no allowance as of December 31, 2020	352
Interest income recognized	0
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	3,425	3,582
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	1,085
Interest income recognized	129
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	344	531
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	0
Interest income recognized	34
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	841	662
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	0
Interest income recognized	12
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	22	37
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	0
Interest income recognized	0
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	661	668
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	0
Interest income recognized	56
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	18	$ 49
90 Days + & still accruing as of December 31, 2020	0
Nonaccrual with no allowance as of December 31, 2020	0
Interest income recognized	$ 6

Loans Loans - Narrative (Detail

Loans Loans - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2020	Jul. 01, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	$ 14,539		$ 15,923
Reserve for credit losses for off-balance sheet credit exposures included in other liabilities	2,428	$ 0
PCI
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	486
Coronavirus Aid, Relief, And Economic Securities Act, Short-Term Modifications | Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Total modifications	1,654
Coronavirus Aid, Relief, And Economic Securities Act, Short-Term Modifications | Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Total modifications	82,035
Amount of loans on interest-only payments	$ 75,821
Maximum period of interest-only payments	12 months

Loans - Breakdown of Provision

Loans - Breakdown of Provision (Benefit) For Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Provision (benefit) for credit losses:
Loans	$ (3,350)	$ 400	$ (2,400)	$ 400
Off-balance-sheet credit exposure	140	0	140	0
Commercial paper	180	0	180	0
Total provision (benefit) for credit losses	$ (3,030)	$ 400	$ (2,080)	$ 400

Loans - Schedule of Allowance f

Loans - Schedule of Allowance for Credit Losses on Financing Receivables Table (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020		Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 43,132	$ 21,314	$ 28,072	[1]	$ 21,429
Provision (benefit) for credit losses	(3,350)	400	(2,400)		400
Charge-offs	(561)	(695)	(2,338)		(1,125)
Recoveries	623	1,012	1,701		1,327
Net charge-offs	62		(637)
Balance at end of period	39,844	22,031	39,844		22,031
Impact of adoption ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	0		14,809
Retail Consumer Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	17,933	5,728	6,956		6,419
Provision (benefit) for credit losses	(3,058)	(1,043)	(2,400)		(1,599)
Charge-offs	(253)	(96)	(935)		(383)
Recoveries	323	811	588		963
Net charge-offs	70		(347)
Balance at end of period	14,945	5,400	14,945		5,400
Retail Consumer Loans | Impact of adoption ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	0		10,736
Commercial Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	25,199	15,392	21,116		14,809
Provision (benefit) for credit losses	(292)	1,485	0		2,048
Charge-offs	(308)	(599)	(1,403)		(742)
Recoveries	300	201	1,113		364
Net charge-offs	(8)		(290)
Balance at end of period	24,899	16,479	24,899		16,479
Commercial Loans | Impact of adoption ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 0		4,073
Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period		194	$ 182		201
Provision (benefit) for credit losses		(42)			(49)
Charge-offs		0			0
Recoveries		0			0
Balance at end of period		$ 152			$ 152
[1]	Derived from audited financial statements.

Loans - Schedule of Ending Bala

Loans - Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Sep. 30, 2020	Jul. 01, 2020	Jun. 30, 2020		Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	$ 189			$ 1,258
Allowance for credit losses, Loans collectively evaluated	39,655			26,632
Allowance for credit losses, Total	39,844	$ 43,132	$ 28,072	28,072	[1]	$ 22,031	$ 21,314	$ 21,429
Total loans receivable, Loans individually evaluated for impairment	11,421			14,486
Total loans receivable, Loans collectively evaluated	2,667,203			2,741,652
Total loans receivable	2,678,624			2,768,930
Purchased Credit Impaired (PCI) Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total				182		152	194	201
Total loans receivable				12,792
Retail Consumer Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total	14,945	17,933	6,956	6,956		5,400	5,728	6,419
Total loans receivable	843,845			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	11			52
Allowance for credit losses, Loans collectively evaluated	7,800			2,400
Allowance for credit losses, Total	7,811			2,469
Total loans receivable, Loans individually evaluated for impairment	3,266			4,304
Total loans receivable, Loans collectively evaluated	449,155			464,916
Total loans receivable	452,421			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	1,680			1,344
Allowance for credit losses, Total	1,680			1,344
Total loans receivable, Loans individually evaluated for impairment	0			0
Total loans receivable, Loans collectively evaluated	125,397			137,447
Total loans receivable	125,397			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	784			430
Allowance for credit losses, Total	784			430
Total loans receivable, Loans individually evaluated for impairment	0			0
Total loans receivable, Loans collectively evaluated	58,640			71,781
Total loans receivable	58,640			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	1,456			1,409
Allowance for credit losses, Total	1,456			1,442
Total loans receivable, Loans individually evaluated for impairment	0			296
Total loans receivable, Loans collectively evaluated	75,108			81,218
Total loans receivable	75,108			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	2,978			1,136
Allowance for credit losses, Total	2,978			1,136
Total loans receivable, Loans individually evaluated for impairment	0			10
Total loans receivable, Loans collectively evaluated	122,947			132,293
Total loans receivable	122,947			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	236			135
Allowance for credit losses, Total	236			135
Total loans receivable, Loans individually evaluated for impairment	0			0
Total loans receivable, Loans collectively evaluated	9,332			10,259
Total loans receivable	9,332			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	24,899	$ 25,199	$ 21,116	21,116		$ 16,479	$ 15,392	$ 14,809
Total loans receivable	1,834,779			1,861,588
Commercial Loans | PPP
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	64,845			80,697
Total loans receivable	64,845			80,697
Commercial Loans | Purchased Credit Impaired (PCI) Loans | PPP
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	86			961
Allowance for credit losses, Loans collectively evaluated	12,841			10,731
Allowance for credit losses, Total	12,927			11,805
Total loans receivable, Loans individually evaluated for impairment	6,463			7,924
Total loans receivable, Loans collectively evaluated	1,050,508			1,039,160
Total loans receivable	1,056,971			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	2,385			3,599
Allowance for credit losses, Total	2,385			3,608
Total loans receivable, Loans individually evaluated for impairment	80			299
Total loans receivable, Loans collectively evaluated	172,812			215,045
Total loans receivable	172,892			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	2,874			2,153
Allowance for credit losses, Total	2,890			2,199
Total loans receivable, Loans individually evaluated for impairment	887			852
Total loans receivable, Loans collectively evaluated	137,874			152,411
Total loans receivable	138,761			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	76			209
Allowance for credit losses, Loans collectively evaluated	6,179			2,598
Allowance for credit losses, Total	6,255			2,807
Total loans receivable, Loans individually evaluated for impairment	373			801
Total loans receivable, Loans collectively evaluated	272,388			228,438
Total loans receivable	272,761			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	442			697
Allowance for credit losses, Total	442			697
Total loans receivable, Loans individually evaluated for impairment	352			0
Total loans receivable, Loans collectively evaluated	128,197			127,987
Total loans receivable	$ 128,549			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
[1]	Derived from audited financial statements.

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) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Dec. 31, 2019	Dec. 31, 2019
Financing Receivable, Impaired
Average recorded investment	$ 29,887	$ 30,580
Interest income recognized	351	765
Retail Consumer Loans | One-to-four family
Financing Receivable, Impaired
Average recorded investment	14,276	15,085
Interest income recognized	192	378
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Impaired
Average recorded investment	1,862	1,700
Interest income recognized	26	53
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Impaired
Average recorded investment	476	540
Interest income recognized	3	6
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Impaired
Average recorded investment	1,117	1,201
Interest income recognized	20	44
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Impaired
Average recorded investment	483	467
Interest income recognized	6	15
Retail Consumer Loans | Consumer
Financing Receivable, Impaired
Average recorded investment	53	288
Interest income recognized	3	6
Commercial Loans | Commercial real estate
Financing Receivable, Impaired
Average recorded investment	8,665	8,419
Interest income recognized	76	144
Commercial Loans | Construction and development
Financing Receivable, Impaired
Average recorded investment	1,181	1,527
Interest income recognized	11	26
Commercial Loans | Commercial and industrial
Financing Receivable, Impaired
Average recorded investment	742	710
Interest income recognized	14	90
Commercial Loans | Equipment finance
Financing Receivable, Impaired
Average recorded investment	1,032	643
Interest income recognized	$ 0	$ 3

Loans - Schedule of Changes in

Loans - Schedule of Changes in Accretable Yield for Purchased Impaired Loans (Details) - Purchased Credit Impaired (PCI) Loans - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Changes in Accretable Yield [Roll Forward]
Accretable yield, beginning of period	$ 4,916	$ 5,259
Reclass from nonaccretable yield	135	250
Other changes, net	(295)	(309)
Interest income	(401)	(845)
Accretable yield, end of period	$ 4,355	$ 4,355

Loans - Breakdown Between Loans

Loans - Breakdown Between Loans Identified as CDAs and Non-CDAs (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	$ 2,678,624	$ 2,768,930
Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,834,779	1,861,588
Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	64,845	80,697
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,056,971	1,052,906
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	172,892	215,934
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	138,761	154,825
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	272,761	229,239
Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	128,549	127,987
Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	843,845	907,342
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	452,421	473,693
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	125,397	137,447
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	58,640	71,781
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	75,108	81,859
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	122,947	132,303
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	9,332	$ 10,259
Residential Property
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,085
Total Collateral Value	1,257
Residential Property | Commercial Loans | PPP
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	3,880
Total Collateral Value	3,924
Investment Property | Commercial Loans | PPP
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	3,800
Investment Property | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	80
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	2,460
Total Collateral Value	2,732
Commercial Property | Commercial Loans | PPP
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	2,460
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	529
Total Collateral Value	2,506
Business Assets | Commercial Loans | PPP
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	90
Business Assets | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	87
Business Assets | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	352
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
Financial Assets Not Considered Collateral Dependent
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	2,670,670
Financial Assets Not Considered Collateral Dependent | Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	64,845
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,050,711
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	172,812
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	138,671
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	272,674
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	128,197
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	451,336
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	125,397
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	58,640
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	75,108
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	122,947
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	$ 9,332

Loans - Schedule of Debt Restru

Loans - Schedule of Debt Restructurings on Financing Receivables (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Financing Receivable, Modifications
Number of loans | loan	5	6	12	12
Pre-modification outstanding recorded investment	$ 289	$ 1,163	$ 4,793	$ 1,279
Post-modification outstanding recorded investment	$ 282	$ 1,056	$ 4,148	$ 1,164
Commercial Loans | Extended Maturity | Commercial and industrial
Financing Receivable, Modifications
Number of loans | loan	0	1	0	1
Pre-modification outstanding recorded investment	$ 0	$ 826	$ 0	$ 826
Post-modification outstanding recorded investment	$ 0	$ 826	$ 0	$ 826
Commercial Loans | Other TDR | Commercial real estate
Financing Receivable, Modifications
Number of loans | loan			1	0
Pre-modification outstanding recorded investment			$ 4,408	$ 0
Post-modification outstanding recorded investment			$ 3,800	$ 0
Commercial Loans | Other TDR | Construction and development
Financing Receivable, Modifications
Number of loans | loan	0	1	0	1
Pre-modification outstanding recorded investment	$ 0	$ 182	$ 0	$ 182
Post-modification outstanding recorded investment	$ 0	$ 79	$ 0	$ 79
Commercial Loans | Interest Rate Below Market Reduction [Member] | Commercial real estate
Financing Receivable, Modifications
Number of loans | loan	0	1	0	1
Pre-modification outstanding recorded investment	$ 0	$ 88	$ 0	$ 88
Post-modification outstanding recorded investment	$ 0	$ 88	$ 0	$ 88
Retail Consumer Loans | Extended Maturity | One-to-four family
Financing Receivable, Modifications
Number of loans | loan	0	1	0	2
Pre-modification outstanding recorded investment	$ 0	$ 56	$ 0	$ 70
Post-modification outstanding recorded investment	$ 0	$ 53	$ 0	$ 67
Retail Consumer Loans | Other TDR | One-to-four family
Financing Receivable, Modifications
Number of loans | loan	1	2	1	3
Pre-modification outstanding recorded investment	$ 19	$ 11	$ 19	$ 45
Post-modification outstanding recorded investment	$ 16	$ 10	$ 16	$ 43
Retail Consumer Loans | Other TDR | Construction and land/lots
Financing Receivable, Modifications
Number of loans | loan	1	0	1	0
Pre-modification outstanding recorded investment	$ 225	$ 0	$ 225	$ 0
Post-modification outstanding recorded investment	$ 223	$ 0	$ 223	$ 0
Retail Consumer Loans | Other TDR | Indirect auto finance
Financing Receivable, Modifications
Number of loans | loan	3	0	9	4
Pre-modification outstanding recorded investment	$ 45	$ 0	$ 141	$ 68
Post-modification outstanding recorded investment	$ 43	$ 0	$ 109	$ 61

Loans - Schedule of Troubled De

Loans - Schedule of Troubled Debt Restructurings With Payment Default (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Financing Receivable, Modifications
Number of loans | loan	1	0	2	2
Recorded investment | $	$ 1	$ 0	$ 12	$ 50
Retail Consumer Loans | Other TDR | One-to-four family
Financing Receivable, Modifications
Number of loans | loan			0	2
Recorded investment | $			$ 0	$ 50
Retail Consumer Loans | Other TDR | Indirect auto finance
Financing Receivable, Modifications
Number of loans | loan	1	0	2	0
Recorded investment | $	$ 1	$ 0	$ 12	$ 0

Loans Loans - Schedule of Payme

Loans Loans - Schedule of Payment Deferrals by Loan Type (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 7,868	$ 551,331
Percent of Total Loan Portfolio	0.30%	20.60%
Lodging
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 0	$ 108,171
Percent of Total Loan Portfolio	0.00%	4.00%
Other commercial real estate, construction and development, and commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 4,018	$ 367,443
Percent of Total Loan Portfolio	0.20%	13.70%
Equipment finance
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 2,196	$ 33,693
Percent of Total Loan Portfolio	0.10%	1.30%
One-to-four family
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 822	$ 36,821
Percent of Total Loan Portfolio	0.00%	1.40%
Other consumer loans
Accounts, Notes, Loans and Financing Receivable
Deferral	$ 832	$ 5,203
Percent of Total Loan Portfolio	0.00%	0.20%

Real Estate Owned (Details)

Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020		Dec. 31, 2019	Jun. 30, 2020
Real Estate Properties [Line Items]
Balance at beginning of period	$ 144	$ 2,582	$ 337	[1]	$ 2,929
Transfers from loans	108	0	108		46
Sales, net of gain or loss	0	(965)	(193)		(1,346)
Writedowns	0	(166)	0		(178)
Balance at end of period	252	$ 1,451	252		$ 1,451
Consumer | Retail Consumer Loans
Real Estate Properties [Line Items]
Balance at beginning of period			97
Balance at end of period	0		0
Residential real estate in the process of foreclosure	$ 447		$ 447			$ 1,318
[1]	Derived from audited financial statements.

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		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Numerator:
Net income	$ 9,461	$ 9,191	$ 15,214	$ 17,995
Allocation of earnings to participating securities	(77)	(72)	(124)	(140)
Numerator for basic EPS - Net income available to common stockholders	9,384	9,119	15,090	17,855
Dilutive effect to participating securities	1	8	2	5
Numerator for diluted EPS	$ 9,385	$ 9,127	$ 15,092	$ 17,860
Denominator:
Weighted-average common shares outstanding - basic	16,202,844	16,906,457	16,216,917	17,002,052
Effect of dilutive shares	360,515	661,223	297,914	658,635
Weighted-average common shares outstanding - diluted	16,563,359	17,567,680	16,514,831	17,660,687
Net income per share - basic (in dollars per share)	$ 0.58	$ 0.54	$ 0.93	$ 1.05
Net income per share - diluted (in dollars per share)	$ 0.57	$ 0.52	$ 0.92	$ 1.01

Net Income per Share - Antidilu

Net Income per Share - Antidilutive Stock Options (Details) - shares	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	512,200	459,400	547,200	470,800

Equity Incentive Plan - Narrati

Equity Incentive Plan - Narrative (Details) - USD ($) $ in Thousands	Jan. 17, 2013	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2020	Dec. 31, 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)				290,900	401,800
Remaining contractual life (years)		4 years 4 months 24 days	5 years	3 years 9 months 18 days	4 years 8 months 12 days
Options outstanding (in shares)					401,800
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost not yet recognized				$ 1,297	$ 1,854
Compensation cost not yet recognized, period for recognition (in years)				1 year 3 months 18 days	1 year 4 months 24 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)				15,565	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 4 months 24 days	1 year 6 months
Compensation not yet recognized, share-based awards other than options				$ 2,250	$ 2,325
Non-vested (in shares)				133,796	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		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Share-based compensation expense	$ 454	$ 440	$ 960	$ 883
Share-based compensation expense, tax related benefit	$ 107	$ 103	$ 226	$ 208

Equity Incentive Plan - Stock O

Equity Incentive Plan - Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2020	Dec. 31, 2019	Jun. 30, 2020	Jun. 30, 2019
Options
Options Outstanding, Beginning of Period (in shares)	1,615,500	1,657,214	1,615,500	1,657,214
Granted (in shares)				25,000
Exercised (in shares)			54,000	66,900
Forfeited (in shares)			26,900	800
Options Outstanding, End of period (in shares)			1,534,600	1,614,514
Exercisable (in shares)			1,243,700	1,212,714
Weighted- average exercise price
Options Outstanding, Beginning of Period (in usd per share)	$ 18.12	$ 17.59	$ 18.12	$ 17.59
Granted (in usd per share)				25.37
Exercised (in usd per share)			14.37	14.40
Forfeited (in usd per share)			25.77	17.35
Options Outstanding, End of Period (in usd per share)			18.12	17.84
Exercisable (in usd per share)			$ 16.35	$ 15.45
Remaining contractual life (years)	4 years 4 months 24 days	5 years	3 years 9 months 18 days	4 years 8 months 12 days
Exercisable (in years)			3 years	3 years 6 months
Aggregate intrinsic value			$ 5,070	$ 14,538	$ 1,711	$ 12,909
Aggregate intrinsic value			$ 5,027	$ 13,805
Non-vested Options
Nonvested, number of shares (in shares)			290,900	401,800
Nonvested, weighted average grant date fair value (in dollars per share)			$ 25.67	$ 25.07
Nonvested, contractual term (in years)			7 years 3 months 18 days	7 years 10 months 24 days
Nonvested, intrinsic value			$ 42	$ 733

Equity Incentive Plan - Assumpt

Equity Incentive Plan - Assumptions Used in Estimating Fair Value (Details)	6 Months Ended
	Dec. 31, 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	6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Jun. 30, 2020	Jun. 30, 2019
Weighted- average grant date fair value
Aggregate intrinsic value	$ 5,027	$ 13,805
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)	7,650	3,200
Non-vested, Ending Balance (in shares)	133,796	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)	25.65	20.62
Non-vested, Ending Balance (in usd per share)	$ 25.91	$ 24.83
Aggregate intrinsic value	$ 2,584	$ 3,574	$ 2,305	$ 2,258

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended	9 Months Ended
	Dec. 31, 2020	Mar. 31, 2020	Jun. 30, 2020
Other Commitments
Unused commitments to extend credit	$ 86,648		$ 57,798
Variable rate commitments	17,468	$ 10,678
Fixed rate commitments	69,180	$ 47,120
Remaining borrowing capacity	465,200		398,781
Letters of credit outstanding	$ 7,936		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	$ 146,181		$ 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	Dec. 31, 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	$ 153,540	$ 127,537
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	153,540	127,537
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	19,138	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	19,138	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	41,013	48,355
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	41,013	48,355
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	10,899	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	10,899	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	82,490	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	82,490	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	Dec. 31, 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	$ 5,230	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	$ 5,230	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	Dec. 31, 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	0.53
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	0.13
Fair Value, Measurements, Nonrecurring
Fair value		$ 9,265
Fair Value, Measurements, Nonrecurring | Individually evaluated loans
Fair value	$ 5,230	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	$ 5,230	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	Dec. 31, 2020	Jun. 30, 2020
Fair Value, Inputs, Level 1 | Cash and interest-bearing deposits
Financial Instruments Owned	$ 226,344	$ 121,622
Fair Value, Inputs, Level 1 | Commercial paper
Financial Instruments Owned	183,778	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	7,374	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	48,637	55,689
Fair Value, Inputs, Level 2 | Securities available for sale
Financial Instruments Owned	153,540	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	1,184	744
Fair Value, Inputs, Level 2 | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,124,958	1,012,200
Fair Value, Inputs, Level 2 | Money market accounts
Financial Instruments Owned	882,366	836,738
Fair Value, Inputs, Level 2 | Savings accounts
Financial Instruments Owned	209,699	197,676
Fair Value, Inputs, Level 2 | Certificates of deposit
Financial Instruments Owned	529,661	745,078
Fair Value, Inputs, Level 2 | Other borrowings
Financial Instruments Owned	504,734	511,529
Fair Value, Inputs, Level 2 | Accrued interest payable
Financial Instruments Owned	623	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	2,608,848	2,692,265
Fair Value, Inputs, Level 3 | Loans held for sale
Financial Instruments Owned	120,254	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	8,889	8,269
Fair Value, Inputs, Level 3 | Accrued interest receivable
Financial Instruments Owned	8,612	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	226,344	121,622
Carrying Value | Commercial paper
Financial Instruments Owned	183,778	304,967
Carrying Value | Certificates of deposit in other banks
Financial Instruments Owned	48,637	55,689
Carrying Value | Securities available for sale
Financial Instruments Owned	153,540	127,537
Carrying Value | Loans, net
Financial Instruments Owned	2,638,780	2,741,047
Carrying Value | Loans held for sale
Financial Instruments Owned	118,439	77,177
Carrying Value | FHLB Stock
Financial Instruments Owned	23,309	23,309
Carrying Value | FRB Stock
Financial Instruments Owned	7,374	7,368
Carrying Value | Small Business Investment Company Funds
Financial Instruments Owned	8,889	8,269
Carrying Value | Accrued interest receivable
Financial Instruments Owned	9,796	12,312
Carrying Value | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,124,958	1,012,200
Carrying Value | Money market accounts
Financial Instruments Owned	882,366	836,738
Carrying Value | Savings accounts
Financial Instruments Owned	209,699	197,676
Carrying Value | Certificates of deposit
Financial Instruments Owned	526,246	739,142
Carrying Value | Other borrowings
Financial Instruments Owned	475,000	475,000
Carrying Value | Accrued interest payable
Financial Instruments Owned	623	1,087
Fair Value | Cash and interest-bearing deposits
Financial Instruments Owned	226,344	121,622
Fair Value | Commercial paper
Financial Instruments Owned	183,778	304,967
Fair Value | Certificates of deposit in other banks
Financial Instruments Owned	48,637	55,689
Fair Value | Securities available for sale
Financial Instruments Owned	153,540	127,537
Fair Value | Loans, net
Financial Instruments Owned	2,608,848	2,692,265
Fair Value | Loans held for sale
Financial Instruments Owned	120,254	78,129
Fair Value | FHLB Stock
Financial Instruments Owned	23,309	23,309
Fair Value | FRB Stock
Financial Instruments Owned	7,374	7,368
Fair Value | Small Business Investment Company Funds
Financial Instruments Owned	8,889	8,269
Fair Value | Accrued interest receivable
Financial Instruments Owned	9,796	12,312
Fair Value | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,124,958	1,012,200
Fair Value | Money market accounts
Financial Instruments Owned	882,366	836,738
Fair Value | Savings accounts
Financial Instruments Owned	209,699	197,676
Fair Value | Certificates of deposit
Financial Instruments Owned	529,661	745,078
Fair Value | Other borrowings
Financial Instruments Owned	504,734	511,529
Fair Value | Accrued interest payable
Financial Instruments Owned	$ 623	$ 1,087

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value off-balance sheet risks, amount, liability	$ 698,029	$ 598,136

Leases - Supplement Balance She

Leases - Supplement Balance Sheet (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Jun. 30, 2020
Leases [Abstract]
Renewal term (in years)	15 years
ROU assets	$ 4,546		$ 4,601
Lease liabilities	$ 4,561		$ 4,590
Weighted-average remaining lease terms	4 years 6 months 21 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	1,823		$ 1,843
Finance lease, interest expense	$ 24	$ 48
Finance lease, discount rate	5.18%

Leases - Maturity Schedule for

Leases - Maturity Schedule for Finance and Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jun. 30, 2020
Operating Leases
Remaining 2021	$ 663
2022	1,248
2023	1,200
2024	735
2025	349
Thereafter	676
Total of future minimum payments	4,871
Finance Leases
Remaining 2021	66
2022	134
2023	134
2024	145
2025	146
Thereafter	1,848
Total minimum lease payments	2,473
Less: amount representing interest	(650)
Present value of net minimum lease payments	$ 1,823	$ 1,843

Leases - Schedule of Lease Cost

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating lease cost (included in occupancy expense)	$ 452	$ 459	$ 891	$ 932
Total operating lease expense, net	(61)	(56)	(122)	(120)
Total operating lease expense, net	$ 391	$ 403	$ 769	$ 812

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
ROU assets - noncash additions (operating leases)	$ 597	$ 5,296
ROU assets - noncash addition (finance lease)	0	2,052
Cash paid for amounts included in the measurement of lease liabilities (operating leases)	1,055	1,091
Cash paid for amounts included in the measurement of lease liabilities (finance leases)	$ 67	$ 67

Leases - Lessor, Narrative (Det

Leases - Lessor, Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Jun. 30, 2020
Lessor, Lease, Description [Line Items]
Leased asset	$ 25,293		$ 25,293		$ 21,595
Operating lease, residual value of leased asset	15,364		15,364		12,370
Direct financing lease, interest income	570	$ 459	1,099	$ 808
Lease receivables	$ 54,024		$ 54,024		$ 44,927
Minimum
Lessor, Lease, Description [Line Items]
Term of contract	1 year		1 year
Maximum
Lessor, Lease, Description [Line Items]
Term of contract	5 years		5 years

Leases - Total Equipment Financ

Leases - Total Equipment Finance Operating Lease Income and Depreciation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating lease income	$ 1,349	$ 658	$ 2,675	$ 1,226
Depreciation expense	$ 1,413	$ 459	$ 2,954	$ 808

Leases - Lessor, Fiscal Year Ma

Leases - Lessor, Fiscal Year Maturity Schedule (Details) $ in Thousands	Dec. 31, 2020USD ($)
Lessor, Operating Lease, Payments, Fiscal Year Maturity [Abstract]
Remaining 2021	$ 2,902
2022	5,038
2023	3,192
2024	1,123
2025	320
Thereafter	48
Total of future minimum payments	12,623
Financing Leases
Remaining 2021	6,452
2022	14,628
2023	14,205
2024	12,073
2025	8,358
Thereafter	3,813
Total minimum payments	59,529
Less: amount representing interest	(5,505)
Total	$ 54,024