HomeTrust Bancshares (HTBI) 10-Q 7 Feb 22 2022 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Dec. 31, 2021	Feb. 02, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Dec. 31, 2021
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		16,246,903
Entity Central Index Key	0001538263
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Assets
Cash	$ 20,586	$ 22,312
Interest-bearing deposits	14,240	28,678
Cash and cash equivalents	34,826	50,990
Commercial paper	254,157	189,596
Certificates of deposit in other banks	34,002	40,122
Debt securities available for sale, at fair value (amortized cost of $121,071 and $154,493 at December 31, 2021 and June 30, 2021, respectively)	121,851	156,459
Other investments, at cost	22,117	23,710
Loans held for sale	102,070	93,539
Total loans, net of deferred loan fees and costs	2,696,072	2,733,267
Allowance for credit losses on loans	(30,933)	(35,468)
Loans, net	2,665,139	2,697,799
Premises and equipment, net	69,461	70,909
Accrued interest receivable	8,200	7,933
REO	45	188
Deferred income taxes, net	12,019	16,901
BOLI	94,209	93,108
Goodwill	25,638	25,638
Core deposit intangibles, net	185	343
Other assets	58,900	57,488
Total Assets	3,502,819	3,524,723
Liabilities
Deposits	2,998,691	2,955,541
Borrowings	48,000	115,000
Other liabilities	54,382	57,663
Total liabilities	3,101,073	3,128,204
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, 16,303,461 shares     issued and outstanding at December 31, 2021; 16,636,483 at June 30, 2021	163	167
Additional paid in capital	147,552	160,582
Retained earnings	258,986	240,075
Unearned ESOP shares	(5,555)	(5,819)
Accumulated other comprehensive income	600	1,514
Total stockholders' equity	401,746	396,519
Total liabilities and stockholders' equity	$ 3,502,819	$ 3,524,723

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Statement of Financial Position [Abstract]
Debt securities available for sale, at fair value, amortized cost	$ 121,071	$ 154,493
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	16,303,461	16,636,483
Common stock shares outstanding	16,303,461	16,636,483

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Interest and dividend income
Loans	$ 26,929	$ 28,343	$ 54,824	$ 56,935
Commercial paper and interest-bearing deposits	468	614	799	1,495
Debt securities available for sale	411	504	935	1,032
Other investments	680	696	1,235	1,144
Total interest and dividend income	28,488	30,157	57,793	60,606
Interest expense
Deposits	1,305	2,347	2,877	5,600
Borrowings	15	1,688	41	3,375
Total interest expense	1,320	4,035	2,918	8,975
Net interest income	27,168	26,122	54,875	51,631
Total provision (benefit) for credit losses	(2,500)	(3,030)	(3,960)	(2,080)
Net interest income after provision (benefit) for credit losses	29,668	29,152	58,835	53,711
Noninterest income
Service charges and fees on deposit accounts	2,513	2,416	4,885	4,513
Loan income and fees	805	569	1,784	1,043
Gain on sale of loans held for sale	3,901	3,704	7,958	7,048
BOLI income	490	511	1,008	1,043
Operating lease income	1,718	1,349	3,258	2,675
Other	753	795	1,639	1,661
Total noninterest income	10,180	9,344	20,532	17,983
Noninterest expense
Salaries and employee benefits	14,872	15,700	30,152	30,907
Occupancy expense, net	2,401	2,261	4,718	4,554
Computer services	2,369	2,220	4,693	4,527
Telephone, postage, and supplies	735	871	1,447	1,533
Marketing and advertising	832	327	1,537	652
Deposit insurance premiums	302	487	868	998
Gain on sale of REO	0	0	(3)	(35)
REO related expense	116	165	261	413
Core deposit intangible amortization	65	202	158	440
Other	4,217	4,210	8,094	8,454
Total noninterest expense	25,909	26,443	51,925	52,443
Net income before income taxes	13,939	12,053	27,442	19,251
Income tax expense	2,861	2,592	5,837	4,037
Net income	$ 11,078	$ 9,461	$ 21,605	$ 15,214
Net income per common share:
Basic (in dollars per share)	$ 0.70	$ 0.58	$ 1.36	$ 0.93
Diluted (in dollars per share)	$ 0.68	$ 0.57	$ 1.33	$ 0.92
Average shares outstanding:
Basic (in shares)	15,632,283	16,202,844	15,696,765	16,216,917
Diluted (in shares)	15,989,606	16,563,359	16,057,607	16,514,831

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 11,078	$ 9,461	$ 21,605	$ 15,214
Other comprehensive income (loss)
Gains (losses) arising during the period	(882)	(84)	(1,187)	114
Deferred income tax benefit (expense)	203	19	273	(26)
Total other comprehensive income (loss)	(679)	(65)	(914)	88
Comprehensive income	$ 10,399	$ 9,396	$ 20,691	$ 15,302

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Cumulative-effect adjustment due to the adoption of ASU 2016-13	Common Stock	Additional Paid In Capital	Retained Earnings	Retained EarningsCumulative-effect adjustment due to the adoption of ASU 2016-13	Unearned ESOP Shares	Accumulated Other Comprehensive Income
Balance at beginning of period (in shares) at Jun. 30, 2020			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	(2,450)				(2,450)
Shares repurchased (in shares)			(277,122)
Common 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
Share-based compensation expense	960			960
ESOP compensation expense	419			154			265
Other comprehensive income (loss)	88							88
Balance at end of period (in shares) at Dec. 31, 2020			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	(1,302)				(1,302)
Shares repurchased (in shares)			(277,122)
Common 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
Share-based compensation expense	454			454
ESOP compensation expense	228			95			133
Other comprehensive income (loss)	(65)							(65)
Balance at end of period (in shares) at Dec. 31, 2020			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 Jun. 30, 2021	16,636,483		16,636,483
Balance at beginning of period at Jun. 30, 2021	$ 396,519		$ 167	160,582	240,075		(5,819)	1,514
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	21,605				21,605
Cash dividends declared on common stock	(2,694)				(2,694)
Shares repurchased (in shares)			(675,832)
Common stock repurchased	(19,403)		$ (7)	(19,396)
Forfeited restricted stock (in shares)			(9,400)
Retired stock (in shares)			(2,708)
Retired stock	$ (75)			(75)
Granted restricted stock (in shares)			7,118
Exercised stock options (in shares)	347,800		347,800
Exercised stock options	$ 5,042		$ 3	5,039
Share-based compensation expense	900			900
ESOP compensation expense	766			502			264
Other comprehensive income (loss)	$ (914)							(914)
Balance at end of period (in shares) at Dec. 31, 2021	16,303,461		16,303,461
Balance at end of period at Dec. 31, 2021	$ 401,746		$ 163	147,552	258,986		(5,555)	600
Balance at beginning of period (in shares) at Sep. 30, 2021			16,307,658
Balance at beginning of period at Sep. 30, 2021	396,511		$ 163	151,425	249,331		(5,687)	1,279
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	11,078				11,078
Cash dividends declared on common stock	(1,423)				(1,423)
Shares repurchased (in shares)			(299,397)
Common stock repurchased	(8,970)		$ (3)	(8,967)
Forfeited restricted stock (in shares)			(6,400)
Exercised stock options (in shares)			301,600
Exercised stock options	4,342		$ 3	4,339
Share-based compensation expense	485			485
ESOP compensation expense	402			270			132
Other comprehensive income (loss)	$ (679)							(679)
Balance at end of period (in shares) at Dec. 31, 2021	16,303,461		16,303,461
Balance at end of period at Dec. 31, 2021	$ 401,746		$ 163	$ 147,552	$ 258,986		$ (5,555)	$ 600

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Statement of Stockholders' Equity [Abstract]
Common stock, dividends, declared (in dollars per share)	$ 90	$ 80	$ 170	$ 150

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Operating activities:
Net income	$ 21,605	$ 15,214
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (benefit) for credit losses	(3,960)	(2,080)
Depreciation and amortization	4,782	3,885
Deferred income tax expense	5,154	1,671
Net accretion of purchase accounting adjustments on loans	(784)	(864)
Net amortization and accretion	1,586	522
Impairment on assets held for sale	87	0
Gain on sale of REO	(3)	(35)
BOLI income	(1,008)	(1,043)
Gain on sale of loans held for sale	(7,958)	(7,048)
Origination of loans held for sale	(301,898)	(312,627)
Proceeds from sale of loans held for sale	303,911	264,325
New deferred loan origination fees, net	(273)	(316)
Decrease (increase) in accrued interest receivable and other assets	(2,321)	4,328
Core deposit intangible amortization	158	440
ESOP compensation expense	766	419
Share-based compensation expense	900	960
Increase (decrease) in other liabilities	(3,391)	717
Net cash provided by (used in) operating activities	17,353	(31,532)
Investing activities:
Purchases of debt securities available for sale	(7,011)	(73,690)
Proceeds from maturities, calls and paydowns of debt securities available for sale	40,042	46,893
Purchases of commercial paper	(291,652)	(338,567)
Proceeds from maturities and calls of commercial paper	227,499	459,550
Purchases of CDs in other banks	(996)	(1,245)
Proceeds from maturities of CDs in other banks	7,116	8,297
Net redemptions (purchases) of other investments, cost	1,593	(626)
Net increase in loans	34,131	105,181
Purchase of BOLI	(93)	(96)
Purchase of equipment for operating leases	(1,677)	(6,940)
Payoff of equipment for operating leases	1,558	0
Purchase of premises and equipment	(4,886)	(13,382)
Proceeds from sale of assets held for sale	1,693	0
Proceeds from sale of REO	146	228
Net cash provided by investing activities	7,463	185,603
Financing activities:
Net increase (decrease) in deposits	43,150	(42,487)
Net decrease in short-term borrowings	(97,000)	0
Proceeds from long-term borrowings	30,000	0
Common stock repurchased	(19,403)	(5,179)
Cash dividends paid	(2,694)	(2,450)
Retired stock	(75)	(9)
Exercised stock options	5,042	776
Net cash used in financing activities	(40,980)	(49,349)
Net increase (decrease) in cash and cash equivalents	(16,164)	104,722
Cash and cash equivalents at beginning of period	50,990	121,622
Cash and cash equivalents at end of period	34,826	226,344
Cash paid during the period for:
Interest	2,929	5,404
Income taxes	192	1,686
Noncash transactions:
Unrealized gain (loss) in value of debt securities available for sale, net of income taxes	(914)	88
Transfer of loans to REO	0	108
Transfer of loans held for sale to loans held for investment	11,629	10,496
Transfer of loans held for investment to loans held for sale	12,827	0
ROU asset and lease liabilities for operating lease accounting	946	597
Transfer of premises and equipment to assets held for sale (included in other assets)	$ 3,229	$ 0

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
	Dec. 31, 2021
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, 2021 ("2021 Form 10-K") filed with the SEC on September 10, 2021. The results of operations for the six months ended December 31, 2021 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2022. 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 the determination of the provision and the allowance for credit losses on loans as an accounting policy that, due to the judgments, estimates and assumptions inherent in this policy, is critical to an understanding of the Company's financial statements. This policy and the related judgments, estimates and assumptions is described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in the 2021 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 this critical accounting policy, 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 this estimate and the Company's financial condition and operating results in future periods. The COVID-19 pandemic has caused significant, unprecedented disruption around the world that has affected daily living and negatively impacted the global economy. The effects of the COVID-19 pandemic may meaningfully impact significant estimates such as the allowance for credit losses or certain loan concentrations in the hospitality and healthcare industries. See "Note 6 - Loans and Allowance for Credit Losses on Loans" for more information on loans that have been modified or are in deferral due to COVID-19. Reclassifications and corrections. To maintain consistency and comparability, certain amounts from prior periods have been reclassified to conform to current period presentation with no effect on net income or stockholders’ equity as previously reported.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	6 Months Ended
	Dec. 31, 2021
Accounting Changes and Error Corrections [Abstract]
Recent Accounting Pronouncements	Recent Accounting Pronouncements Adoption of New Accounting Standards 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 were effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2021 and early adoption was permitted. The adoption of this ASU did not have a material impact on the Company's consolidated financial statements. Newly Issued but Not Yet Effective Accounting Standards ASU 2021-05, "Leases (Topic 842): Lessors—Certain Leases with Variable Lease Payments." This ASU amends the lease classification requirements for lessors to classify as an operating lease any lease that would otherwise be classified as a sales-type or direct financing lease that would result in the recognition of a day-one loss at lease commencement, provided that the lease includes variable lease payments that do not depend on an index or rate. When a lease is classified as operating, the lessor does not recognize a net investment in the lease, does not derecognize the underlying asset and therefore, does not recognize a selling profit or loss. The amendments in this ASU are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years and early adoption is permitted. The Company is currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

Debt Securities

Debt Securities	6 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Debt Securities	Debt Securities Debt securities available for sale consist of the following at the dates indicated: December 31, 2021 Amortized Gross Gross Estimated U.S. government agencies $ 18,984 $ 85 $ (136) $ 18,933 MBS, residential 37,424 882 (121) 38,185 Municipal bonds 6,928 321 — 7,249 Corporate bonds 57,735 94 (345) 57,484 Total $ 121,071 $ 1,382 $ (602) $ 121,851 June 30, 2021 Amortized Gross Gross Estimated U.S. government agencies $ 18,975 $ 135 $ (37) $ 19,073 MBS, residential 42,119 1,339 (54) 43,404 Municipal bonds 9,098 453 — 9,551 Corporate bonds 84,301 257 (127) 84,431 Total $ 154,493 $ 2,184 $ (218) $ 156,459 Debt securities available for sale by contractual maturity at December 31, 2021 and June 30, 2021 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, 2021 Amortized Estimated Due within one year $ 36,079 $ 36,230 Due after one year through five years 41,755 41,500 Due after five years through ten years 5,813 5,936 Due after ten years — — MBS, residential 37,424 38,185 Total $ 121,071 $ 121,851 June 30, 2021 Amortized Estimated Due within one year $ 34,615 $ 34,684 Due after one year through five years 73,249 73,633 Due after five years through ten years 4,510 4,738 Due after ten years — — MBS, residential 42,119 43,404 Total $ 154,493 $ 156,459 The Company had no sales of debt securities available for sale during the three and six months ended December 31, 2021 and 2020. There were no gross realized gains or losses for the three and six months ended December 31, 2021 and 2020. Debt securities available for sale with amortized costs totaling $55,636 and $52,603 and market values of $56,267 and $53,897 at December 31, 2021 and June 30, 2021, respectively, were pledged as collateral to secure various public deposits and other borrowings. The gross unrealized losses and the fair value for debt 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, 2021 and June 30, 2021 were as follows: December 31, 2021 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government agencies $ 14,864 $ (136) $ — $ — $ 14,864 $ (136) MBS, residential 9,344 (100) 1,132 (21) 10,476 (121) Corporate bonds 43,619 (345) — — 43,619 (345) Total $ 67,827 $ (581) $ 1,132 $ (21) $ 68,959 $ (602) June 30, 2021 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government agencies $ 14,963 $ (37) $ — $ — $ 14,963 $ (37) MBS, residential 5,212 (28) 1,205 (26) 6,417 (54) Corporate bonds 19,873 (127) — — 19,873 (127) Total $ 40,048 $ (192) $ 1,205 $ (26) $ 41,253 $ (218) The total number of securities with unrealized losses at December 31, 2021 and June 30, 2021 were 39 and 28, 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, 2021 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" in our 2021 Form 10-K 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. 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, 2021, the accrued interest receivable for debt securities available for sale was $529.

Other Investments

Other Investments	6 Months Ended
	Dec. 31, 2021
Investments, All Other Investments [Abstract]
Other Investments	Other Investments Other investments, at cost, consist of the following at the dates indicated: December 31, 2021 June 30, 2021 FHLB of Atlanta stock $ 2,965 $ 6,153 FRB stock 7,403 7,386 SBIC investments 11,749 10,171 Total $ 22,117 $ 23,710

Loans Held For Sale

Loans Held For Sale	6 Months Ended
	Dec. 31, 2021
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, 2021 June 30, 2021 One-to-four family $ 19,246 $ 31,873 SBA 8,220 4,160 HELOCs - originated 74,604 57,506 Total $ 102,070 $ 93,539

Loans and Allowance for Credit

Loans and Allowance for Credit Losses on Loans	6 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Loans and Allowance for Credit Losses on Loans	Loans and Allowance for Credit Losses on Loans Loans consist of the following at the dates indicated: December 31, 2021 June 30, 2021 Commercial loans: Commercial real estate $ 1,113,330 $ 1,142,276 Construction and development 226,439 179,427 Commercial and industrial 162,396 141,341 Equipment finance 367,008 317,920 Municipal finance 131,078 140,421 PPP loans 19,044 46,650 Total commercial loans 2,019,295 1,968,035 Retail consumer loans: One-to-four family 356,850 406,549 HELOCs - originated 128,189 130,225 HELOCs - purchased 30,795 38,976 Construction and land/lots 69,253 66,027 Indirect auto finance 84,581 115,093 Consumer 7,109 8,362 Total retail consumer loans 676,777 765,232 Total loans, net of deferred loan fees and costs 2,696,072 2,733,267 Allowance for credit losses on loans (30,933) (35,468) Loans, net $ 2,665,139 $ 2,697,799 _________________________________________________________________ (1) At December 31, 2021 and June 30, 2021 accrued interest receivable of $7,560 and $7,339 was accounted for separately from the amortized cost basis. 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 Fiscal Year December 31, 2021 2022 2021 2020 2019 2018 Prior Revolving Total Commercial real estate Risk rating: Pass $ 83,972 $ 221,764 $ 171,332 $ 125,455 $ 141,325 $ 313,297 $ 21,312 $ 1,078,457 Special mention 741 — — — 15,442 13,248 — 29,431 Substandard — — — — 608 4,436 398 5,442 Doubtful — — — — — — — — Loss — — — — — — — — Total commercial real estate $ 84,713 $ 221,764 $ 171,332 $ 125,455 $ 157,375 $ 330,981 $ 21,710 $ 1,113,330 Construction and development Risk rating: Pass $ 18,603 $ 18,270 $ 5,511 $ 2,847 $ 4,573 $ 7,606 $ 163,684 $ 221,094 Special mention — — — — — 237 4,753 4,990 Substandard — — — — — 355 — 355 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and development $ 18,603 $ 18,270 $ 5,511 $ 2,847 $ 4,573 $ 8,198 $ 168,437 $ 226,439 Commercial and industrial Risk rating: Pass $ 35,007 $ 24,658 $ 14,293 $ 12,733 $ 7,932 $ 22,767 $ 38,283 $ 155,673 Special mention — — — 412 — 110 37 559 Substandard — 670 350 860 — 54 4,230 6,164 Doubtful — — — — — — — — Loss — — — — — — — — Total commercial and industrial $ 35,007 $ 25,328 $ 14,643 $ 14,005 $ 7,932 $ 22,931 $ 42,550 $ 162,396 Equipment finance Risk rating: Pass $ 104,196 $ 134,807 $ 85,693 $ 38,388 $ 2,918 $ — $ — $ 366,002 Special mention — 84 364 277 — — — 725 Substandard — — 31 — — — — 31 Doubtful — — — 250 — — — 250 Loss — — — — — — — — Total equipment finance $ 104,196 $ 134,891 $ 86,088 $ 38,915 $ 2,918 $ — $ — $ 367,008 Municipal leases Risk rating: Pass $ 10,555 $ 24,390 $ 9,216 $ 12,272 $ 15,071 $ 46,184 $ 13,096 $ 130,784 Special mention — — — — — 257 — 257 Substandard — 37 — — — — — 37 Doubtful — — — — — — — — Loss — — — — — — — — Total municipal leases $ 10,555 $ 24,427 $ 9,216 $ 12,272 $ 15,071 $ 46,441 $ 13,096 $ 131,078 PPP loans Risk rating: Pass $ 10 $ 12,115 $ 6,919 $ — $ — $ — $ — $ 19,044 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total PPP loans $ 10 $ 12,115 $ 6,919 $ — $ — $ — $ — $ 19,044 Total commercial loans Risk rating: Pass $ 252,343 $ 436,004 $ 292,964 $ 191,695 $ 171,819 $ 389,854 $ 236,375 $ 1,971,054 Special mention 741 84 364 689 15,442 13,852 4,790 35,962 Substandard — 707 381 860 608 4,845 4,628 12,029 Doubtful — — — 250 — — — 250 Loss — — — — — — — — Total commercial loans $ 253,084 $ 436,795 $ 293,709 $ 193,494 $ 187,869 $ 408,551 $ 245,793 $ 2,019,295 The following table presents the credit risk profile by risk grade for retail consumer loans by origination year: Term Loans By Origination Fiscal Year December 31, 2021 2022 2021 2020 2019 2018 Prior Revolving Total One-to-four family Risk rating: Pass $ 18,078 $ 68,642 $ 53,075 $ 34,164 $ 32,376 $ 139,793 $ 2,913 $ 349,041 Special mention — — — — — 987 — 987 Substandard — — 963 540 212 4,639 — 6,354 Doubtful — — — — — 158 — 158 Loss — — — — — 310 — 310 Total one-to-four family $ 18,078 $ 68,642 $ 54,038 $ 34,704 $ 32,588 $ 145,887 $ 2,913 $ 356,850 HELOCs - originated Risk rating: Pass $ 941 $ 1,400 $ 373 $ 1,602 $ 147 $ 8,662 $ 113,937 $ 127,062 Special mention — — — — — 10 — 10 Substandard — — — 158 — 908 51 1,117 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - originated $ 941 $ 1,400 $ 373 $ 1,760 $ 147 $ 9,580 $ 113,988 $ 128,189 HELOCs - purchased Risk rating: Pass $ — $ — $ — $ — $ — $ — $ 30,342 $ 30,342 Special mention — — — — — — — — Substandard — — — — 0 — — 453 453 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - purchased $ — $ — $ — $ — $ — $ — $ 30,795 $ 30,795 Construction and land/lots Risk rating: Pass $ 1,006 $ 9,148 $ 2,723 $ 53 $ — $ 2,474 $ 53,454 $ 68,858 Special mention — — — — — — — — Substandard — — — — — 395 — 395 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and land/lots $ 1,006 $ 9,148 $ 2,723 $ 53 $ — $ 2,869 $ 53,454 $ 69,253 Indirect auto finance Risk rating: Pass $ 9,174 $ 24,932 $ 20,364 $ 11,420 $ 12,664 $ 5,146 $ — $ 83,700 Special mention — 0 — — — — — — — Substandard — 52 327 126 243 133 — 881 Doubtful — — — — — — — — Loss — — — — — — — — Total indirect auto finance $ 9,174 $ 24,984 $ 20,691 $ 11,546 $ 12,907 $ 5,279 $ — $ 84,581 Total consumer Risk rating: Pass $ 382 $ 1,048 $ 743 $ 4,323 $ 154 $ 102 $ 308 $ 7,060 Special mention — — — — — — — — Substandard — — — 16 — 4 28 48 Doubtful — — — — — — — — Loss — — — 1 — — — 1 Total consumer $ 382 $ 1,048 $ 743 $ 4,340 $ 154 $ 106 $ 336 $ 7,109 Total retail consumer loans Risk rating: Pass $ 29,581 $ 105,170 $ 77,278 $ 51,562 $ 45,341 $ 156,177 $ 200,954 $ 666,063 Special mention — — — — — 997 — 997 Substandard — 52 1,290 840 455 6,079 532 9,248 Doubtful — — — — — 158 — 158 Loss — — — 1 — 310 — 311 Total retail consumer loans $ 29,581 $ 105,222 $ 78,568 $ 52,403 $ 45,796 $ 163,721 $ 201,486 $ 676,777 The following table presents the credit risk profile by risk grade for commercial loans by origination year: Term Loans By Origination Fiscal Year June 30, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Commercial real estate Risk rating: Pass $ 227,850 $ 177,691 $ 142,407 $ 158,147 $ 158,525 $ 220,834 $ 25,860 $ 1,111,314 Special mention — — — 16,951 1,256 3,092 — 21,299 Substandard — — — 630 4,993 3,642 398 9,663 Doubtful — — — — — — — — Loss — — — — — — — — Total commercial real estate $ 227,850 $ 177,691 $ 142,407 $ 175,728 $ 164,774 $ 227,568 $ 26,258 $ 1,142,276 Construction and development Risk rating: Pass 18,262 6,523 10,349 6,008 2,693 7,153 123,843 $ 174,831 Special mention — — — — — 286 3,827 4,113 Substandard — — — — — 482 — 482 Doubtful — — — — — — — — Loss — — — — — 1 — 1 Total construction and development $ 18,262 $ 6,523 $ 10,349 $ 6,008 $ 2,693 $ 7,922 $ 127,670 $ 179,427 Commercial and industrial Risk rating: Pass 29,606 14,010 18,826 10,759 15,346 10,589 36,165 $ 135,301 Special mention — 21 438 110 32 125 37 763 Substandard 31 33 300 — — 83 4,829 5,276 Doubtful — — — — — — — — Loss — — — — — 1 — 1 Total commercial and industrial $ 29,637 $ 14,064 $ 19,564 $ 10,869 $ 15,378 $ 10,798 $ 41,031 $ 141,341 Equipment finance Risk rating: Pass 154,685 104,681 53,178 4,773 — — — $ 317,317 Special mention — — — — — — — — Substandard — — 323 — — — — 323 Doubtful — — 280 — — — — 280 Loss — — — — — — — — Total equipment finance $ 154,685 $ 104,681 $ 53,781 $ 4,773 $ — $ — $ — $ 317,920 Municipal leases Risk rating: Pass 23,358 19,240 14,005 17,979 9,738 47,144 8,700 $ 140,164 Special mention — — — — — 257 — 257 Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total municipal leases $ 23,358 $ 19,240 $ 14,005 $ 17,979 $ 9,738 $ 47,401 $ 8,700 $ 140,421 PPP loans Risk rating: Pass 29,667 16,983 — — — — — $ 46,650 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total PPP loans $ 29,667 $ 16,983 $ — $ — $ — $ — $ — $ 46,650 Total commercial loans Risk rating: Pass $ 483,428 $ 339,128 $ 238,765 $ 197,666 $ 186,302 $ 285,720 $ 194,568 $ 1,925,577 Special mention — 21 438 17,061 1,288 3,760 3,864 26,432 Substandard 31 33 623 630 4,993 4,207 5,227 15,744 Doubtful — — 280 — — — — 280 Loss — — — — — 2 — 2 Total commercial loans $ 483,459 $ 339,182 $ 240,106 $ 215,357 $ 192,583 $ 293,689 $ 203,659 $ 1,968,035 The following table presents the credit risk profile by risk grade for retail consumer loans by origination year: Term Loans By Origination Fiscal Year June 30, 2021 2021 2020 2019 2018 2017 Prior Revolving Total One-to-four family Risk rating: Pass $ 72,723 $ 52,987 $ 46,958 $ 40,461 $ 37,361 $ 143,531 $ 4,345 $ 398,366 Special mention — — — — 27 1,084 — 1,111 Substandard 246 981 — 216 86 5,037 — 6,566 Doubtful — — — — — 191 — 191 Loss — — — — — 315 — 315 Total one-to-four family $ 72,969 $ 53,968 $ 46,958 $ 40,677 $ 37,474 $ 150,158 $ 4,345 $ 406,549 HELOCs - originated Risk rating: Pass 2,767 465 1,294 217 716 9,469 114,048 $ 128,976 Special mention — — — — — 12 — 12 Substandard — — 159 — 38 935 105 1,237 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - originated $ 2,767 $ 465 $ 1,453 $ 217 $ 754 $ 10,416 $ 114,153 $ 130,225 HELOCs - purchased Risk rating: Pass — — — — — — 38,523 $ 38,523 Special mention — — — — — — — — Substandard — — — — — — 453 453 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - purchased $ — $ — $ — $ — $ — $ — $ 38,976 $ 38,976 Construction and land/lots Risk rating: Pass 4,244 12,133 2,357 956 — 3,558 42,267 $ 65,515 Special mention — — — — — — — — Substandard — — — 96 — 416 — 512 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and land/lots $ 4,244 $ 12,133 $ 2,357 $ 1,052 $ — $ 3,974 $ 42,267 $ 66,027 Indirect auto finance Risk rating: Pass 42,128 27,134 16,224 18,853 7,561 2,061 — $ 113,961 Special mention — — — — — — — — Substandard 29 415 195 273 143 75 — 1,130 Doubtful — — — — — — — — Loss 2 — — — — — — 2 Total indirect auto finance $ 42,159 $ 27,549 $ 16,419 $ 19,126 $ 7,704 $ 2,136 $ — $ 115,093 Consumer Risk rating: Pass 1,344 1,019 5,204 252 90 91 288 $ 8,288 Special mention — — — 14 — — — 14 Substandard — 3 19 11 4 10 11 58 Doubtful — — — — — — — — Loss — 1 1 — — — — 2 Total consumer $ 1,344 $ 1,023 $ 5,224 $ 277 $ 94 $ 101 $ 299 $ 8,362 Total retail consumer loans Risk rating: Pass $ 123,206 $ 93,738 $ 72,037 $ 60,739 $ 45,728 $ 158,710 $ 199,471 $ 753,629 Special mention — — — 14 27 1,096 — 1,137 Substandard 275 1,399 373 596 271 6,473 569 9,956 Doubtful — — — — — 191 — 191 Loss 2 1 1 — — 315 — 319 Total retail consumer loans $ 123,483 $ 95,138 $ 72,411 $ 61,349 $ 46,026 $ 166,785 $ 200,040 $ 765,232 The following tables present aging analysis of past due loans (includes nonaccrual loans) by segment and class for the periods indicated below: Past Due Total 30-89 Days 90 Days+ Total Current Loans December 31, 2021 Commercial loans: Commercial real estate $ 56 $ 242 $ 298 $ 1,113,032 $ 1,113,330 Construction and development — 253 253 226,186 226,439 Commercial and industrial 345 560 905 161,491 162,396 Equipment finance 90 93 183 366,825 367,008 Municipal finance — — — 131,078 131,078 PPP loans 20 — 20 19,024 19,044 Retail consumer loans: One-to-four family 1,007 1,493 2,500 354,350 356,850 HELOCs - originated 86 272 358 127,831 128,189 HELOCs - purchased 346 — 346 30,449 30,795 Construction and land/lots 123 22 145 69,108 69,253 Indirect auto finance 346 110 456 84,125 84,581 Consumer 337 41 378 6,731 7,109 Total loans $ 2,756 $ 3,086 $ 5,842 $ 2,690,230 $ 2,696,072 Past Due Total 30-89 Days 90 Days+ Total Current Loans June 30, 2021 Commercial loans: Commercial real estate $ 396 $ 1,680 $ 2,076 $ 1,140,200 $ 1,142,276 Construction and development — 37 37 179,390 179,427 Commercial and industrial 634 19 653 140,688 141,341 Equipment finance — 347 347 317,573 317,920 Municipal finance — — — 140,421 140,421 PPP loans — — — 46,650 46,650 Retail consumer loans: One-to-four family 1,112 1,124 2,236 404,313 406,549 HELOCs - originated 290 186 476 129,749 130,225 HELOCs - purchased 198 79 277 38,699 38,976 Construction and land/lots 6 35 41 65,986 66,027 Indirect auto finance 299 259 558 114,535 115,093 Consumer 378 36 414 7,948 8,362 Total loans $ 3,313 $ 3,802 $ 7,115 $ 2,726,152 $ 2,733,267 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, 2021. December 31, 2021 June 30, 2021 90 Days + & still accruing as of December 31, 2021 Nonaccrual with no allowance as of December 31, 2021 Interest income recognized Commercial loans: Commercial real estate $ 1,244 $ 7,015 $ — $ — $ 24 Construction and development 355 482 — — 4 Commercial and industrial 923 49 — 67 17 Equipment finance 328 630 — — 1 Municipal finance 38 — — — 2 Retail consumer loans: One-to-four family 2,127 2,625 — 540 27 HELOCs - originated 352 476 — — 3 HELOCs - purchased 452 453 — 359 11 Construction and land/lots 22 22 — — — Indirect auto finance 272 438 — — 5 Consumer 45 416 — — 2 Total loans $ 6,158 $ 12,606 $ — $ 966 $ 96 The decrease in the nonaccrual balance in the above schedule, compared to June 30, 2021 , is mainly due to the payoff of two commercial real estate loan relationships totaling $5.1 million. TDRs are loans which have renegotiated loan terms to assist borrowers who are unable to meet the original terms of their loans. Such modifications to loan terms may include a lower interest rate, a reduction in principal, or a longer term to maturity. The above table excludes $11,048 and $11,088 of TDRs that were performing under their restructured payment terms as of December 31, 2021 and June 30, 2021, respectively. 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, 2021 2020 2021 2020 Provision (benefit) for credit losses: Loans $ (2,440) $ (3,350) $ (3,775) $ (2,400) Off-balance-sheet credit exposure (110) 140 (235) 140 Commercial paper 50 180 50 180 Total provision (benefit) for credit losses $ (2,500) $ (3,030) $ (3,960) $ (2,080) The following tables present analysis of the ACL on loans by segment for the periods indicated below: Three Months Ended Six Months Ended December 31, 2021 December 31, 2021 Commercial Retail Total Commercial Retail Total Balance at beginning of period $ 24,204 $ 10,202 $ 34,406 $ 24,746 $ 10,722 $ 35,468 Benefit for credit losses (140) (2,300) (2,440) (763) (3,012) (3,775) Charge-offs (1,131) (16) (1,147) (1,750) (106) (1,856) Recoveries 35 79 114 735 361 1,096 Net (charge-offs) recoveries (1,096) 63 (1,033) (1,015) 255 (760) Balance at end of period $ 22,968 $ 7,965 $ 30,933 $ 22,968 $ 7,965 $ 30,933 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) recoveries (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 tables present ending balances of loans and the related ACL, by segment and class for the periods indicated below: Allowance for Credit Losses Total Loans Receivable Loans Loans Total Loans Loans Total December 31, 2021 Commercial loans: Commercial real estate $ 2 $ 11,065 $ 11,067 $ 580 $ 1,112,750 $ 1,113,330 Construction and development — 1,684 1,684 — 226,439 226,439 Commercial and industrial 674 2,566 3,240 2,172 160,224 162,396 Equipment finance — 6,520 6,520 — 367,008 367,008 Municipal finance — 457 457 — 131,078 131,078 PPP loans — — — — 19,044 19,044 Retail consumer loans: One-to-four family 2 3,632 3,634 2,500 354,350 356,850 HELOCs - originated — 1,272 1,272 — 128,189 128,189 HELOCs - purchased — 306 306 — 30,795 30,795 Construction and land/lots — 705 705 — 69,253 69,253 Indirect auto finance — 1,929 1,929 — 84,581 84,581 Consumer — 119 119 — 7,109 7,109 Total $ 678 $ 30,255 $ 30,933 $ 5,252 $ 2,690,820 $ 2,696,072 Allowance for Loan Losses Total Loans Receivable Loans Loans Total Loans Loans Total June 30, 2021 Commercial loans: Commercial real estate $ 456 $ 12,826 $ 13,282 $ 5,729 $ 1,136,547 $ 1,142,276 Construction and development — 1,801 1,801 80 179,347 179,427 Commercial and industrial 9 2,583 2,592 760 140,581 141,341 Equipment finance — 6,537 6,537 275 317,645 317,920 Municipal finance — 534 534 — 140,421 140,421 PPP loans — — — — 46,650 46,650 Retail consumer loans: One-to-four family 2 5,407 5,409 1,977 404,572 406,549 HELOCs - originated — 1,512 1,512 — 130,225 130,225 HELOCs - purchased — 452 452 — 38,976 38,976 Construction and land/lots — 812 812 — 66,027 66,027 Indirect auto finance — 2,367 2,367 — 115,093 115,093 Consumer — 170 170 — 8,362 8,362 Total $ 467 $ 35,001 $ 35,468 $ 8,821 $ 2,724,446 $ 2,733,267 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 tables provide 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 for the periods indicated below: Type of Collateral and Extent to Which Collateral Secures Financial Assets December 31, 2021 Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ — $ 578 $ — $ 1,112,752 $ 1,113,330 Construction and development — — — — 226,439 226,439 Commercial and industrial — — — 650 161,746 162,396 Equipment finance — — — — 367,008 367,008 Municipal finance — — — — 131,078 131,078 PPP loans — — — — 19,044 19,044 Retail consumer loans: One-to-four family 1,335 — — — 355,515 356,850 HELOCs - originated — — — — 128,189 128,189 HELOCs - purchased — — — — 30,795 30,795 Construction and land/lots — — — — 69,253 69,253 Indirect auto finance — — — — 84,581 84,581 Consumer — — — — 7,109 7,109 Total $ 1,335 $ — $ 578 $ 650 $ 2,693,509 $ 2,696,072 Total Collateral Value $ 1,825 $ — $ 1,044 $ — Type of Collateral and Extent to Which Collateral Secures Financial Assets June 30, 2021 Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,421 $ 2,308 $ — $ 1,136,547 $ 1,142,276 Construction and development — 80 — — 179,347 179,427 Commercial and industrial — — — 25 141,316 141,341 Equipment finance — — — — 317,920 317,920 Municipal finance — — — — 140,421 140,421 PPP loans — — — — 46,650 46,650 Retail consumer loans: One-to-four family 807 — — — 405,742 406,549 HELOCs - originated — — — — 130,225 130,225 HELOCs - purchased — — — — 38,976 38,976 Construction and land/lots — — — — 66,027 66,027 Indirect auto finance — — — — 115,093 115,093 Consumer — — — — 8,362 8,362 Total $ 807 $ 3,501 $ 2,308 $ 25 $ 2,726,626 $ 2,733,267 Total Collateral Value $ 1,160 $ 3,602 $ 2,723 $ 26 The following table presents a breakdown of the types of concessions made on TDRs by loan class for the period indicated below: Three Months Ended December 31, 2021 2020 Number Pre Post Number Pre Post Other TDRs: Retail consumer: One-to-four family 3 215 212 1 19 16 HELOCs - originated 1 51 51 — — — Construction and land/lots — — — 1 225 223 Indirect auto finance — — — 3 45 43 Total 4 $ 266 $ 263 5 $ 289 $ 282 Six Months Ended December 31, 2021 2020 Number Pre Post Number Pre Post Other TDRs: Commercial: Commercial real estate — — — 1 4,408 3,800 Retail consumer: One-to-four family 3 215 212 1 19 16 HELOCs - originated 2 68 70 — — — Construction and land/lots — — — 1 225 223 Indirect auto finance 5 84 80 9 141 109 Total 10 $ 367 $ 362 12 $ 4,793 $ 4,148 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 periods indicated below: Three Months Ended December 31, 2021 2020 Number of Recorded Number of Recorded Other TDRs: Retail consumer: Indirect auto finance — $ — 1 $ 1 Total — $ — 1 $ 1 Six Months Ended December 31, 2021 2020 Number of Recorded Number of Recorded Other TDRs: Retail consumer: Indirect auto finance 2 44 2 $ 12 Total 2 $ 44 2 $ 12 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. In determining 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 on off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the consolidated balance sheet. The reserve for credit losses on off-balance-sheet credit exposures is adjusted as a provision for credit losses in the consolidated statement 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, 2021, the allowance for credit losses on off-balance-sheet credit exposures included in other liabilities was $2,088. 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 were not considered TDRs; however, the relief offered by the CARES Act ended December 31, 2021. The Bank offered payment and financial relief programs for borrowers impacted by COVID-19. These programs included loan payment deferrals for up to 90 days (which could be renewed for another 90 days under certain circumstances), waived late fees, and suspension of foreclosure proceedings and repossessions. Since March 2020, the Company 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. As of December 31, 2021, the Company had $652 in loans with full principal and interest payment deferrals related to COVID-19 compared to $107 at June 30, 2021. Substantially all loans placed on full payment deferral during the pandemic have come out of deferral and borrowers are either making regular loan payments or interest-only payments. As of December 31, 2021, the Company had $15,604 in commercial loan deferrals on interest-only payments compared to $78,850 at June 30, 2021.

Net Income per Share

Net Income per Share	6 Months Ended
	Dec. 31, 2021
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, 2021 2020 2021 2020 Numerator: Net income $ 11,078 $ 9,461 $ 21,605 $ 15,214 Allocation of earnings to participating securities (94) (77) (182) (124) Numerator for basic EPS - Net income available to common stockholders $ 10,984 $ 9,384 $ 21,423 $ 15,090 Effect of dilutive securities: Dilutive effect of participating securities 2 1 4 2 Numerator for diluted EPS $ 10,986 $ 9,385 $ 21,427 $ 15,092 Denominator: Weighted-average common shares outstanding - basic 15,632,283 16,202,844 15,696,765 16,216,917 Dilutive effect of assumed exercises of stock options 357,323 360,515 360,842 297,914 Weighted-average common shares outstanding - diluted 15,989,606 16,563,359 16,057,607 16,514,831 Net income per share - basic $ 0.70 $ 0.58 $ 1.36 $ 0.93 Net income per share - diluted $ 0.68 $ 0.57 $ 1.33 $ 0.92

Equity Incentive Plan

Equity Incentive Plan	6 Months Ended
	Dec. 31, 2021
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 would be issued out of authorized but unissued shares, some or all of which may be repurchased shares. The Company repurchased a number of shares on the open market sufficient to cover awards of restricted stock and restricted stock units available to be granted under the 2013 Omnibus Incentive Plan, for $13,297, at an average cost of $15.71 per share during the year ended June 30, 2013. 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, 2021 and 2020, respectively: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Share-based compensation expense $ 485 $ 454 $ 900 $ 960 Tax benefit 114 107 212 226 The table below presents stock option activity and related information for the six months ended December 31, 2021 and 2020: Options Weighted- Remaining Aggregate 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 Options outstanding at June 30, 2021 1,319,456 $ 19.07 3.9 $ 11,657 Exercised 347,800 14.50 — — Forfeited 18,600 23.06 — — Options outstanding at December 31, 2021 953,056 $ 20.65 4.1 $ 9,840 Exercisable at December 31, 2021 727,506 $ 19.12 3.2 $ 8,631 Non-vested at December 31, 2021 225,550 $ 25.62 6.9 $ 1,210 There were no options granted during the six months ended December 31, 2021 and 2020. At December 31, 2021, the Company had $894 of unrecognized compensation expense related to 225,550 stock options originally scheduled to vest over a five-year vesting period. The weighted average period over which compensation cost related to non-vested awards expected to be recognized was 1.1 years at December 31, 2021. At December 31, 2020, the Company had $1,297 of unrecognized compensation expense related to 290,900 stock options originally scheduled to vest over a five-year vesting period. The weighted average period over which compensation cost related to non-vested awards expected to be recognized was 1.3 years at December 31, 2020. The table below presents restricted stock award activity and related information: Restricted Weighted- Aggregate 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 Non-vested at June 30, 2021 151,575 $ 25.06 $ 4,229 Vested 8,918 26.93 — Forfeited 9,400 24.57 — Non-vested at December 31, 2021 133,257 $ 25.06 $ 4,128 The table above includes non-vested performance-based restricted stock units totaling 23,662 and 15,565 at December 31, 2021 and 2020, respectively. Each issuance of these stock units is scheduled to vest over 3.0 years assuming the applicable dilutive EPS goals are met. three three

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Dec. 31, 2021
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, 2021 and June 30, 2021, respectively, loan commitments (excluding $201,032 and $277,600 of undisbursed portions of construction loans) totaled $78,875 and $123,463 of which $22,199 and $45,270 were variable rate commitments and $56,676 and $78,193 were fixed rate commitments. The fixed rate loans had interest rates ranging from 1.08% to 8.56% at December 31, 2021 and 2.50% to 8.36% at June 30, 2021, 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, 2021 and June 30, 2021 were $9,496 and $8,681, respectively. There was no liability recorded for these letters of credit at December 31, 2021 or June 30, 2021, respectively. Litigation – From time to time, the 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, 2021
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. Debt 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 Company measures the fair value of loans receivable under the exit price notion. The fair value of nonperforming loans is based on the underlying value of the collateral. 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. The methods of determining the fair value of assets and liabilities presented in this note are consistent with the methodologies disclosed in Note 20 of the 2021 Form 10-K. Financial Assets Recorded at Fair Value The following table presents financial assets measured at fair value on a recurring basis at the dates indicated: December 31, 2021 Total Level 1 Level 2 Level 3 U.S government agencies $ 18,933 $ — $ 18,933 $ — MBS, residential 38,185 — 38,185 — Municipal bonds 7,249 — 7,249 — Corporate bonds 57,484 — 57,484 — Total $ 121,851 $ — $ 121,851 $ — June 30, 2021 Total Level 1 Level 2 Level 3 U.S government agencies $ 19,073 $ — $ 19,073 $ — MBS, residential 43,404 — 43,404 — Municipal bonds 9,551 — 9,551 — Corporate bonds 84,431 — 84,431 — Total $ 156,459 $ — $ 156,459 $ — There were no transfers between levels during the six months ended December 31, 2021 and 2020. The following table presents financial assets measured at fair value on a non-recurring basis at the dates indicated: December 31, 2021 Total Level 1 Level 2 Level 3 Collateral dependent loans: Commercial real estate $ 288 $ — $ — $ 288 Commercial and industrial — — — — Total $ 288 $ — $ — $ 288 June 30, 2021 Total Level 1 Level 2 Level 3 Collateral dependent loans: Commercial real estate $ 4,841 $ — $ — $ 4,841 Equipment finance 275 — — 275 Total $ 5,116 $ — $ — $ 5,116 A loan is considered to be collateral dependent when, based on current information and events, the Company expects repayment of the financial assets to be provided substantially through the operation or sale of the collateral and the Company has determined that the borrower is experiencing financial difficulty as of the measurement date. For real estate loans, the fair value of the loan's collateral is determined by a third party appraisal, which is then adjusted for the estimated selling and closing costs related to liquidation of the collateral (typically ranging from 8% to 12% of the appraised value). For this asset class, the actual valuation methods (income, sales comparable, or cost) vary based on the status of the project or property. Additional discounts of 5% to 15% may be applied depending on the age of the appraisals. The unobservable inputs may vary depending on the individual asset with no one of the three methods being the predominant approach. For non-real estate loans, the fair value of the loan's collateral may be determined using an appraisal, net book value per the borrower's financial statements, or aging reports, adjusted or discounted based on management's historical knowledge, changes in market conditions from the time of the valuation, and management's expertise and knowledge of the customer and customer's business. The stated carrying value and estimated fair value amounts of financial instruments as of December 31, 2021 and June 30, 2021, are summarized below: December 31, 2021 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and cash equivalents $ 34,826 $ 34,826 $ 34,826 $ — $ — Commercial paper 254,157 254,157 254,157 — — Certificates of deposit in other banks 34,002 34,002 — 34,002 — Debt securities available for sale 121,851 121,851 — 121,851 — Loans held for sale 102,070 103,317 — — 103,317 Loans, net 2,665,139 2,625,236 — — 2,625,236 FHLB stock 2,965 N/A N/A N/A N/A FRB stock 7,403 N/A N/A N/A N/A SBIC investments 11,749 11,749 — — 11,749 Accrued interest receivable 8,200 8,200 — 640 7,560 Liabilities: Noninterest-bearing and NOW accounts 1,321,502 1,321,502 — 1,321,502 — Money market accounts 1,010,901 1,010,901 — 1,010,901 — Savings accounts 224,474 224,474 — 224,474 — Certificates of deposit 441,814 441,568 — 441,568 — Borrowings 48,000 47,998 — 47,998 — Accrued interest payable 42 42 — 42 — June 30, 2021 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and cash equivalents $ 50,990 $ 50,990 $ 50,990 $ — $ — Commercial paper 189,596 189,596 189,596 — — Certificates of deposit in other banks 40,122 40,122 — 40,122 — Debt securities available for sale 156,459 156,459 — 156,459 — Loans held for sale 93,539 94,779 — — 94,779 Loans, net 2,697,799 2,668,570 — — 2,668,570 FHLB stock 6,153 N/A N/A N/A N/A FRB stock 7,386 N/A N/A N/A N/A SBIC investments 10,171 10,171 — — 10,171 Accrued interest receivable 7,933 7,933 52 542 7,339 Liabilities: Noninterest-bearing and NOW accounts 1,281,372 1,281,372 — 1,281,372 — Money market accounts 975,001 975,001 — 975,001 — Savings accounts 226,391 226,391 — 226,391 — Certificates of deposit 472,777 474,397 — 474,397 — Borrowings 115,000 115,000 — 115,000 — Accrued interest payable 52 52 — 52 — The Company had off-balance sheet financial commitments, which included approximately $829,181 and $940,249 of commitments to originate loans, undisbursed portions of interim construction loans, unused lines of credit, and standby letters of credit at December 31, 2021 and June 30, 2021, respectively (see "Note 9 – Commitments and Contingencies"). Since these commitments are based on current rates, the carrying amount approximates the fair value.

Leases

Leases	6 Months Ended
	Dec. 31, 2021
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. 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 Sheet. 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, 2021 June 30, 2021 ROU assets $ 5,178 $ 5,498 Lease liabilities 5,941 5,926 Weighted-average remaining lease terms (years) 10.49 9.49 Weighted-average discount rate 3.21 % 3.18 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 592 2023 1,166 2024 854 2025 630 2026 512 Thereafter 3,216 Total undiscounted minimum lease payments 6,970 Less: amount representing interest (1,029) Total lease liability $ 5,941 The following table presents components of operating lease expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease cost (included in occupancy expense, net) $ 328 $ 342 $ 723 $ 681 Variable lease cost (included in occupancy expense, net) 55 61 116 122 Sublease income (included in other, noninterest income) (47) (57) (94) (114) Total operating lease expense, net $ 336 $ 346 $ 745 $ 689 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, 2021 and June 30, 2021 and is included in other assets. The corresponding lease liability totaled $1,783 and $1,804 at December 31, 2021 and June 30, 2021, respectively, and is included in other liabilities. For the three and six months ended December 31, 2021 and 2020, 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, 2021: Fiscal year ending June 30: Remaining 2022 $ 67 2023 134 2024 145 2025 146 2026 146 Thereafter 1,702 Total undiscounted minimum lease payments 2,340 Less: amount representing interest (557) Total lease liability $ 1,783 Supplemental lease cash flow information for the six months ended December 31, 2021 and 2020: Six Months Ended December 31, 2021 2020 ROU assets - noncash additions (operating leases) $ 946 $ 597 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 797 1,055 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 construction, transportation, medical, and manufacturing 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 one five June 30, 2021 , respectively. The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease income $ 1,718 $ 1,349 $ 3,258 $ 2,675 Depreciation expense 1,497 1,413 2,882 2,954 The following schedule summarizes aggregate future minimum lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 3,022 2023 4,825 2024 2,732 2025 778 2026 246 Thereafter 13 Total of future minimum lease payments $ 11,616 As Lessor - Direct Financing 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 of the loan portfolio. For the three months ended December 31, 2021 and 2020, total interest income on equipment finance leases totaled $753 and $570, respectively. For the six months ended December 31, 2021 and 2020, total interest income on equipment finance leases totaled $1,512 and $1,099, respectively. The lease receivable component of finance lease net investment included within equipment finance class of financing receivables was $62.9 million and $63.3 million at December 31 and June 30, 2021, respectively. The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 9,609 2023 20,469 2024 17,393 2025 12,141 2026 7,546 Thereafter 3,437 Total undiscounted minimum lease payments 70,595 Less: amount representing interest (7,740) Total lease receivable $ 62,855
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. 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 Sheet. 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, 2021 June 30, 2021 ROU assets $ 5,178 $ 5,498 Lease liabilities 5,941 5,926 Weighted-average remaining lease terms (years) 10.49 9.49 Weighted-average discount rate 3.21 % 3.18 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 592 2023 1,166 2024 854 2025 630 2026 512 Thereafter 3,216 Total undiscounted minimum lease payments 6,970 Less: amount representing interest (1,029) Total lease liability $ 5,941 The following table presents components of operating lease expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease cost (included in occupancy expense, net) $ 328 $ 342 $ 723 $ 681 Variable lease cost (included in occupancy expense, net) 55 61 116 122 Sublease income (included in other, noninterest income) (47) (57) (94) (114) Total operating lease expense, net $ 336 $ 346 $ 745 $ 689 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, 2021 and June 30, 2021 and is included in other assets. The corresponding lease liability totaled $1,783 and $1,804 at December 31, 2021 and June 30, 2021, respectively, and is included in other liabilities. For the three and six months ended December 31, 2021 and 2020, 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, 2021: Fiscal year ending June 30: Remaining 2022 $ 67 2023 134 2024 145 2025 146 2026 146 Thereafter 1,702 Total undiscounted minimum lease payments 2,340 Less: amount representing interest (557) Total lease liability $ 1,783 Supplemental lease cash flow information for the six months ended December 31, 2021 and 2020: Six Months Ended December 31, 2021 2020 ROU assets - noncash additions (operating leases) $ 946 $ 597 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 797 1,055 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 construction, transportation, medical, and manufacturing 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 one five June 30, 2021 , respectively. The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease income $ 1,718 $ 1,349 $ 3,258 $ 2,675 Depreciation expense 1,497 1,413 2,882 2,954 The following schedule summarizes aggregate future minimum lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 3,022 2023 4,825 2024 2,732 2025 778 2026 246 Thereafter 13 Total of future minimum lease payments $ 11,616 As Lessor - Direct Financing 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 of the loan portfolio. For the three months ended December 31, 2021 and 2020, total interest income on equipment finance leases totaled $753 and $570, respectively. For the six months ended December 31, 2021 and 2020, total interest income on equipment finance leases totaled $1,512 and $1,099, respectively. The lease receivable component of finance lease net investment included within equipment finance class of financing receivables was $62.9 million and $63.3 million at December 31 and June 30, 2021, respectively. The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 9,609 2023 20,469 2024 17,393 2025 12,141 2026 7,546 Thereafter 3,437 Total undiscounted minimum lease payments 70,595 Less: amount representing interest (7,740) Total lease receivable $ 62,855
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. 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 Sheet. 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, 2021 June 30, 2021 ROU assets $ 5,178 $ 5,498 Lease liabilities 5,941 5,926 Weighted-average remaining lease terms (years) 10.49 9.49 Weighted-average discount rate 3.21 % 3.18 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 592 2023 1,166 2024 854 2025 630 2026 512 Thereafter 3,216 Total undiscounted minimum lease payments 6,970 Less: amount representing interest (1,029) Total lease liability $ 5,941 The following table presents components of operating lease expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease cost (included in occupancy expense, net) $ 328 $ 342 $ 723 $ 681 Variable lease cost (included in occupancy expense, net) 55 61 116 122 Sublease income (included in other, noninterest income) (47) (57) (94) (114) Total operating lease expense, net $ 336 $ 346 $ 745 $ 689 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, 2021 and June 30, 2021 and is included in other assets. The corresponding lease liability totaled $1,783 and $1,804 at December 31, 2021 and June 30, 2021, respectively, and is included in other liabilities. For the three and six months ended December 31, 2021 and 2020, 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, 2021: Fiscal year ending June 30: Remaining 2022 $ 67 2023 134 2024 145 2025 146 2026 146 Thereafter 1,702 Total undiscounted minimum lease payments 2,340 Less: amount representing interest (557) Total lease liability $ 1,783 Supplemental lease cash flow information for the six months ended December 31, 2021 and 2020: Six Months Ended December 31, 2021 2020 ROU assets - noncash additions (operating leases) $ 946 $ 597 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 797 1,055 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 construction, transportation, medical, and manufacturing 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 one five June 30, 2021 , respectively. The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease income $ 1,718 $ 1,349 $ 3,258 $ 2,675 Depreciation expense 1,497 1,413 2,882 2,954 The following schedule summarizes aggregate future minimum lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 3,022 2023 4,825 2024 2,732 2025 778 2026 246 Thereafter 13 Total of future minimum lease payments $ 11,616 As Lessor - Direct Financing 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 of the loan portfolio. For the three months ended December 31, 2021 and 2020, total interest income on equipment finance leases totaled $753 and $570, respectively. For the six months ended December 31, 2021 and 2020, total interest income on equipment finance leases totaled $1,512 and $1,099, respectively. The lease receivable component of finance lease net investment included within equipment finance class of financing receivables was $62.9 million and $63.3 million at December 31 and June 30, 2021, respectively. The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 9,609 2023 20,469 2024 17,393 2025 12,141 2026 7,546 Thereafter 3,437 Total undiscounted minimum lease payments 70,595 Less: amount representing interest (7,740) Total lease receivable $ 62,855
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. 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 Sheet. 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, 2021 June 30, 2021 ROU assets $ 5,178 $ 5,498 Lease liabilities 5,941 5,926 Weighted-average remaining lease terms (years) 10.49 9.49 Weighted-average discount rate 3.21 % 3.18 % The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 592 2023 1,166 2024 854 2025 630 2026 512 Thereafter 3,216 Total undiscounted minimum lease payments 6,970 Less: amount representing interest (1,029) Total lease liability $ 5,941 The following table presents components of operating lease expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease cost (included in occupancy expense, net) $ 328 $ 342 $ 723 $ 681 Variable lease cost (included in occupancy expense, net) 55 61 116 122 Sublease income (included in other, noninterest income) (47) (57) (94) (114) Total operating lease expense, net $ 336 $ 346 $ 745 $ 689 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, 2021 and June 30, 2021 and is included in other assets. The corresponding lease liability totaled $1,783 and $1,804 at December 31, 2021 and June 30, 2021, respectively, and is included in other liabilities. For the three and six months ended December 31, 2021 and 2020, 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, 2021: Fiscal year ending June 30: Remaining 2022 $ 67 2023 134 2024 145 2025 146 2026 146 Thereafter 1,702 Total undiscounted minimum lease payments 2,340 Less: amount representing interest (557) Total lease liability $ 1,783 Supplemental lease cash flow information for the six months ended December 31, 2021 and 2020: Six Months Ended December 31, 2021 2020 ROU assets - noncash additions (operating leases) $ 946 $ 597 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 797 1,055 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 construction, transportation, medical, and manufacturing 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 one five June 30, 2021 , respectively. The following table presents total equipment finance operating lease income and depreciation expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease income $ 1,718 $ 1,349 $ 3,258 $ 2,675 Depreciation expense 1,497 1,413 2,882 2,954 The following schedule summarizes aggregate future minimum lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 3,022 2023 4,825 2024 2,732 2025 778 2026 246 Thereafter 13 Total of future minimum lease payments $ 11,616 As Lessor - Direct Financing 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 of the loan portfolio. For the three months ended December 31, 2021 and 2020, total interest income on equipment finance leases totaled $753 and $570, respectively. For the six months ended December 31, 2021 and 2020, total interest income on equipment finance leases totaled $1,512 and $1,099, respectively. The lease receivable component of finance lease net investment included within equipment finance class of financing receivables was $62.9 million and $63.3 million at December 31 and June 30, 2021, respectively. The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 9,609 2023 20,469 2024 17,393 2025 12,141 2026 7,546 Thereafter 3,437 Total undiscounted minimum lease payments 70,595 Less: amount representing interest (7,740) Total lease receivable $ 62,855

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Dec. 31, 2021
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, 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 the determination of the provision and the allowance for credit losses on loans as an accounting policy that, due to the judgments, estimates and assumptions inherent in this policy, is critical to an understanding of the Company's financial statements. This policy and the related judgments, estimates and assumptions is described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in the 2021 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 this critical accounting policy, 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 this estimate and the Company's financial condition and operating results in future periods.
Reclassifications and corrections	Reclassifications and corrections. To maintain consistency and comparability, certain amounts from prior periods have been reclassified to conform to current period presentation with no effect on net income or stockholders’ equity as previously reported.
Recent Accounting Pronouncements	Adoption of New Accounting Standards 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 were effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2021 and early adoption was permitted. The adoption of this ASU did not have a material impact on the Company's consolidated financial statements. Newly Issued but Not Yet Effective Accounting Standards ASU 2021-05, "Leases (Topic 842): Lessors—Certain Leases with Variable Lease Payments." This ASU amends the lease classification requirements for lessors to classify as an operating lease any lease that would otherwise be classified as a sales-type or direct financing lease that would result in the recognition of a day-one loss at lease commencement, provided that the lease includes variable lease payments that do not depend on an index or rate. When a lease is classified as operating, the lessor does not recognize a net investment in the lease, does not derecognize the underlying asset and therefore, does not recognize a selling profit or loss. The amendments in this ASU are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years and early adoption is permitted. The Company is currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

Debt Securities (Tables)

Debt Securities (Tables)	6 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation	Debt securities available for sale consist of the following at the dates indicated: December 31, 2021 Amortized Gross Gross Estimated U.S. government agencies $ 18,984 $ 85 $ (136) $ 18,933 MBS, residential 37,424 882 (121) 38,185 Municipal bonds 6,928 321 — 7,249 Corporate bonds 57,735 94 (345) 57,484 Total $ 121,071 $ 1,382 $ (602) $ 121,851 June 30, 2021 Amortized Gross Gross Estimated U.S. government agencies $ 18,975 $ 135 $ (37) $ 19,073 MBS, residential 42,119 1,339 (54) 43,404 Municipal bonds 9,098 453 — 9,551 Corporate bonds 84,301 257 (127) 84,431 Total $ 154,493 $ 2,184 $ (218) $ 156,459
Investments Classified by Contractual Maturity Date	Debt securities available for sale by contractual maturity at December 31, 2021 and June 30, 2021 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, 2021 Amortized Estimated Due within one year $ 36,079 $ 36,230 Due after one year through five years 41,755 41,500 Due after five years through ten years 5,813 5,936 Due after ten years — — MBS, residential 37,424 38,185 Total $ 121,071 $ 121,851 June 30, 2021 Amortized Estimated Due within one year $ 34,615 $ 34,684 Due after one year through five years 73,249 73,633 Due after five years through ten years 4,510 4,738 Due after ten years — — MBS, residential 42,119 43,404 Total $ 154,493 $ 156,459
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	The gross unrealized losses and the fair value for debt 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, 2021 and June 30, 2021 were as follows: December 31, 2021 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government agencies $ 14,864 $ (136) $ — $ — $ 14,864 $ (136) MBS, residential 9,344 (100) 1,132 (21) 10,476 (121) Corporate bonds 43,619 (345) — — 43,619 (345) Total $ 67,827 $ (581) $ 1,132 $ (21) $ 68,959 $ (602) June 30, 2021 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government agencies $ 14,963 $ (37) $ — $ — $ 14,963 $ (37) MBS, residential 5,212 (28) 1,205 (26) 6,417 (54) Corporate bonds 19,873 (127) — — 19,873 (127) Total $ 40,048 $ (192) $ 1,205 $ (26) $ 41,253 $ (218)

Other Investments (Tables)

Other Investments (Tables)	6 Months Ended
	Dec. 31, 2021
Investments, All Other Investments [Abstract]
Investment	Other investments, at cost, consist of the following at the dates indicated: December 31, 2021 June 30, 2021 FHLB of Atlanta stock $ 2,965 $ 6,153 FRB stock 7,403 7,386 SBIC investments 11,749 10,171 Total $ 22,117 $ 23,710

Loans Held For Sale (Tables)

Loans Held For Sale (Tables)	6 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Schedule of Loans Held for Sale	Loans held for sale as of the dates indicated consist of the following: December 31, 2021 June 30, 2021 One-to-four family $ 19,246 $ 31,873 SBA 8,220 4,160 HELOCs - originated 74,604 57,506 Total $ 102,070 $ 93,539 Loans consist of the following at the dates indicated: December 31, 2021 June 30, 2021 Commercial loans: Commercial real estate $ 1,113,330 $ 1,142,276 Construction and development 226,439 179,427 Commercial and industrial 162,396 141,341 Equipment finance 367,008 317,920 Municipal finance 131,078 140,421 PPP loans 19,044 46,650 Total commercial loans 2,019,295 1,968,035 Retail consumer loans: One-to-four family 356,850 406,549 HELOCs - originated 128,189 130,225 HELOCs - purchased 30,795 38,976 Construction and land/lots 69,253 66,027 Indirect auto finance 84,581 115,093 Consumer 7,109 8,362 Total retail consumer loans 676,777 765,232 Total loans, net of deferred loan fees and costs 2,696,072 2,733,267 Allowance for credit losses on loans (30,933) (35,468) Loans, net $ 2,665,139 $ 2,697,799 _________________________________________________________________ (1) At December 31, 2021 and June 30, 2021 accrued interest receivable of $7,560 and $7,339 was accounted for separately from the amortized cost basis. Type of Collateral and Extent to Which Collateral Secures Financial Assets December 31, 2021 Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ — $ 578 $ — $ 1,112,752 $ 1,113,330 Construction and development — — — — 226,439 226,439 Commercial and industrial — — — 650 161,746 162,396 Equipment finance — — — — 367,008 367,008 Municipal finance — — — — 131,078 131,078 PPP loans — — — — 19,044 19,044 Retail consumer loans: One-to-four family 1,335 — — — 355,515 356,850 HELOCs - originated — — — — 128,189 128,189 HELOCs - purchased — — — — 30,795 30,795 Construction and land/lots — — — — 69,253 69,253 Indirect auto finance — — — — 84,581 84,581 Consumer — — — — 7,109 7,109 Total $ 1,335 $ — $ 578 $ 650 $ 2,693,509 $ 2,696,072 Total Collateral Value $ 1,825 $ — $ 1,044 $ — Type of Collateral and Extent to Which Collateral Secures Financial Assets June 30, 2021 Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,421 $ 2,308 $ — $ 1,136,547 $ 1,142,276 Construction and development — 80 — — 179,347 179,427 Commercial and industrial — — — 25 141,316 141,341 Equipment finance — — — — 317,920 317,920 Municipal finance — — — — 140,421 140,421 PPP loans — — — — 46,650 46,650 Retail consumer loans: One-to-four family 807 — — — 405,742 406,549 HELOCs - originated — — — — 130,225 130,225 HELOCs - purchased — — — — 38,976 38,976 Construction and land/lots — — — — 66,027 66,027 Indirect auto finance — — — — 115,093 115,093 Consumer — — — — 8,362 8,362 Total $ 807 $ 3,501 $ 2,308 $ 25 $ 2,726,626 $ 2,733,267 Total Collateral Value $ 1,160 $ 3,602 $ 2,723 $ 26

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses on Loans (Tables)	6 Months Ended
	Dec. 31, 2021
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, 2021 June 30, 2021 One-to-four family $ 19,246 $ 31,873 SBA 8,220 4,160 HELOCs - originated 74,604 57,506 Total $ 102,070 $ 93,539 Loans consist of the following at the dates indicated: December 31, 2021 June 30, 2021 Commercial loans: Commercial real estate $ 1,113,330 $ 1,142,276 Construction and development 226,439 179,427 Commercial and industrial 162,396 141,341 Equipment finance 367,008 317,920 Municipal finance 131,078 140,421 PPP loans 19,044 46,650 Total commercial loans 2,019,295 1,968,035 Retail consumer loans: One-to-four family 356,850 406,549 HELOCs - originated 128,189 130,225 HELOCs - purchased 30,795 38,976 Construction and land/lots 69,253 66,027 Indirect auto finance 84,581 115,093 Consumer 7,109 8,362 Total retail consumer loans 676,777 765,232 Total loans, net of deferred loan fees and costs 2,696,072 2,733,267 Allowance for credit losses on loans (30,933) (35,468) Loans, net $ 2,665,139 $ 2,697,799 _________________________________________________________________ (1) At December 31, 2021 and June 30, 2021 accrued interest receivable of $7,560 and $7,339 was accounted for separately from the amortized cost basis. Type of Collateral and Extent to Which Collateral Secures Financial Assets December 31, 2021 Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ — $ 578 $ — $ 1,112,752 $ 1,113,330 Construction and development — — — — 226,439 226,439 Commercial and industrial — — — 650 161,746 162,396 Equipment finance — — — — 367,008 367,008 Municipal finance — — — — 131,078 131,078 PPP loans — — — — 19,044 19,044 Retail consumer loans: One-to-four family 1,335 — — — 355,515 356,850 HELOCs - originated — — — — 128,189 128,189 HELOCs - purchased — — — — 30,795 30,795 Construction and land/lots — — — — 69,253 69,253 Indirect auto finance — — — — 84,581 84,581 Consumer — — — — 7,109 7,109 Total $ 1,335 $ — $ 578 $ 650 $ 2,693,509 $ 2,696,072 Total Collateral Value $ 1,825 $ — $ 1,044 $ — Type of Collateral and Extent to Which Collateral Secures Financial Assets June 30, 2021 Residential Property Investment Property Commercial Property Business Assets Financial Assets Not Considered Collateral Dependent Total Commercial loans: Commercial real estate $ — $ 3,421 $ 2,308 $ — $ 1,136,547 $ 1,142,276 Construction and development — 80 — — 179,347 179,427 Commercial and industrial — — — 25 141,316 141,341 Equipment finance — — — — 317,920 317,920 Municipal finance — — — — 140,421 140,421 PPP loans — — — — 46,650 46,650 Retail consumer loans: One-to-four family 807 — — — 405,742 406,549 HELOCs - originated — — — — 130,225 130,225 HELOCs - purchased — — — — 38,976 38,976 Construction and land/lots — — — — 66,027 66,027 Indirect auto finance — — — — 115,093 115,093 Consumer — — — — 8,362 8,362 Total $ 807 $ 3,501 $ 2,308 $ 25 $ 2,726,626 $ 2,733,267 Total Collateral Value $ 1,160 $ 3,602 $ 2,723 $ 26
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 Fiscal Year December 31, 2021 2022 2021 2020 2019 2018 Prior Revolving Total Commercial real estate Risk rating: Pass $ 83,972 $ 221,764 $ 171,332 $ 125,455 $ 141,325 $ 313,297 $ 21,312 $ 1,078,457 Special mention 741 — — — 15,442 13,248 — 29,431 Substandard — — — — 608 4,436 398 5,442 Doubtful — — — — — — — — Loss — — — — — — — — Total commercial real estate $ 84,713 $ 221,764 $ 171,332 $ 125,455 $ 157,375 $ 330,981 $ 21,710 $ 1,113,330 Construction and development Risk rating: Pass $ 18,603 $ 18,270 $ 5,511 $ 2,847 $ 4,573 $ 7,606 $ 163,684 $ 221,094 Special mention — — — — — 237 4,753 4,990 Substandard — — — — — 355 — 355 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and development $ 18,603 $ 18,270 $ 5,511 $ 2,847 $ 4,573 $ 8,198 $ 168,437 $ 226,439 Commercial and industrial Risk rating: Pass $ 35,007 $ 24,658 $ 14,293 $ 12,733 $ 7,932 $ 22,767 $ 38,283 $ 155,673 Special mention — — — 412 — 110 37 559 Substandard — 670 350 860 — 54 4,230 6,164 Doubtful — — — — — — — — Loss — — — — — — — — Total commercial and industrial $ 35,007 $ 25,328 $ 14,643 $ 14,005 $ 7,932 $ 22,931 $ 42,550 $ 162,396 Equipment finance Risk rating: Pass $ 104,196 $ 134,807 $ 85,693 $ 38,388 $ 2,918 $ — $ — $ 366,002 Special mention — 84 364 277 — — — 725 Substandard — — 31 — — — — 31 Doubtful — — — 250 — — — 250 Loss — — — — — — — — Total equipment finance $ 104,196 $ 134,891 $ 86,088 $ 38,915 $ 2,918 $ — $ — $ 367,008 Municipal leases Risk rating: Pass $ 10,555 $ 24,390 $ 9,216 $ 12,272 $ 15,071 $ 46,184 $ 13,096 $ 130,784 Special mention — — — — — 257 — 257 Substandard — 37 — — — — — 37 Doubtful — — — — — — — — Loss — — — — — — — — Total municipal leases $ 10,555 $ 24,427 $ 9,216 $ 12,272 $ 15,071 $ 46,441 $ 13,096 $ 131,078 PPP loans Risk rating: Pass $ 10 $ 12,115 $ 6,919 $ — $ — $ — $ — $ 19,044 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total PPP loans $ 10 $ 12,115 $ 6,919 $ — $ — $ — $ — $ 19,044 Total commercial loans Risk rating: Pass $ 252,343 $ 436,004 $ 292,964 $ 191,695 $ 171,819 $ 389,854 $ 236,375 $ 1,971,054 Special mention 741 84 364 689 15,442 13,852 4,790 35,962 Substandard — 707 381 860 608 4,845 4,628 12,029 Doubtful — — — 250 — — — 250 Loss — — — — — — — — Total commercial loans $ 253,084 $ 436,795 $ 293,709 $ 193,494 $ 187,869 $ 408,551 $ 245,793 $ 2,019,295 The following table presents the credit risk profile by risk grade for retail consumer loans by origination year: Term Loans By Origination Fiscal Year December 31, 2021 2022 2021 2020 2019 2018 Prior Revolving Total One-to-four family Risk rating: Pass $ 18,078 $ 68,642 $ 53,075 $ 34,164 $ 32,376 $ 139,793 $ 2,913 $ 349,041 Special mention — — — — — 987 — 987 Substandard — — 963 540 212 4,639 — 6,354 Doubtful — — — — — 158 — 158 Loss — — — — — 310 — 310 Total one-to-four family $ 18,078 $ 68,642 $ 54,038 $ 34,704 $ 32,588 $ 145,887 $ 2,913 $ 356,850 HELOCs - originated Risk rating: Pass $ 941 $ 1,400 $ 373 $ 1,602 $ 147 $ 8,662 $ 113,937 $ 127,062 Special mention — — — — — 10 — 10 Substandard — — — 158 — 908 51 1,117 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - originated $ 941 $ 1,400 $ 373 $ 1,760 $ 147 $ 9,580 $ 113,988 $ 128,189 HELOCs - purchased Risk rating: Pass $ — $ — $ — $ — $ — $ — $ 30,342 $ 30,342 Special mention — — — — — — — — Substandard — — — — 0 — — 453 453 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - purchased $ — $ — $ — $ — $ — $ — $ 30,795 $ 30,795 Construction and land/lots Risk rating: Pass $ 1,006 $ 9,148 $ 2,723 $ 53 $ — $ 2,474 $ 53,454 $ 68,858 Special mention — — — — — — — — Substandard — — — — — 395 — 395 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and land/lots $ 1,006 $ 9,148 $ 2,723 $ 53 $ — $ 2,869 $ 53,454 $ 69,253 Indirect auto finance Risk rating: Pass $ 9,174 $ 24,932 $ 20,364 $ 11,420 $ 12,664 $ 5,146 $ — $ 83,700 Special mention — 0 — — — — — — — Substandard — 52 327 126 243 133 — 881 Doubtful — — — — — — — — Loss — — — — — — — — Total indirect auto finance $ 9,174 $ 24,984 $ 20,691 $ 11,546 $ 12,907 $ 5,279 $ — $ 84,581 Total consumer Risk rating: Pass $ 382 $ 1,048 $ 743 $ 4,323 $ 154 $ 102 $ 308 $ 7,060 Special mention — — — — — — — — Substandard — — — 16 — 4 28 48 Doubtful — — — — — — — — Loss — — — 1 — — — 1 Total consumer $ 382 $ 1,048 $ 743 $ 4,340 $ 154 $ 106 $ 336 $ 7,109 Total retail consumer loans Risk rating: Pass $ 29,581 $ 105,170 $ 77,278 $ 51,562 $ 45,341 $ 156,177 $ 200,954 $ 666,063 Special mention — — — — — 997 — 997 Substandard — 52 1,290 840 455 6,079 532 9,248 Doubtful — — — — — 158 — 158 Loss — — — 1 — 310 — 311 Total retail consumer loans $ 29,581 $ 105,222 $ 78,568 $ 52,403 $ 45,796 $ 163,721 $ 201,486 $ 676,777 The following table presents the credit risk profile by risk grade for commercial loans by origination year: Term Loans By Origination Fiscal Year June 30, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Commercial real estate Risk rating: Pass $ 227,850 $ 177,691 $ 142,407 $ 158,147 $ 158,525 $ 220,834 $ 25,860 $ 1,111,314 Special mention — — — 16,951 1,256 3,092 — 21,299 Substandard — — — 630 4,993 3,642 398 9,663 Doubtful — — — — — — — — Loss — — — — — — — — Total commercial real estate $ 227,850 $ 177,691 $ 142,407 $ 175,728 $ 164,774 $ 227,568 $ 26,258 $ 1,142,276 Construction and development Risk rating: Pass 18,262 6,523 10,349 6,008 2,693 7,153 123,843 $ 174,831 Special mention — — — — — 286 3,827 4,113 Substandard — — — — — 482 — 482 Doubtful — — — — — — — — Loss — — — — — 1 — 1 Total construction and development $ 18,262 $ 6,523 $ 10,349 $ 6,008 $ 2,693 $ 7,922 $ 127,670 $ 179,427 Commercial and industrial Risk rating: Pass 29,606 14,010 18,826 10,759 15,346 10,589 36,165 $ 135,301 Special mention — 21 438 110 32 125 37 763 Substandard 31 33 300 — — 83 4,829 5,276 Doubtful — — — — — — — — Loss — — — — — 1 — 1 Total commercial and industrial $ 29,637 $ 14,064 $ 19,564 $ 10,869 $ 15,378 $ 10,798 $ 41,031 $ 141,341 Equipment finance Risk rating: Pass 154,685 104,681 53,178 4,773 — — — $ 317,317 Special mention — — — — — — — — Substandard — — 323 — — — — 323 Doubtful — — 280 — — — — 280 Loss — — — — — — — — Total equipment finance $ 154,685 $ 104,681 $ 53,781 $ 4,773 $ — $ — $ — $ 317,920 Municipal leases Risk rating: Pass 23,358 19,240 14,005 17,979 9,738 47,144 8,700 $ 140,164 Special mention — — — — — 257 — 257 Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total municipal leases $ 23,358 $ 19,240 $ 14,005 $ 17,979 $ 9,738 $ 47,401 $ 8,700 $ 140,421 PPP loans Risk rating: Pass 29,667 16,983 — — — — — $ 46,650 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Loss — — — — — — — — Total PPP loans $ 29,667 $ 16,983 $ — $ — $ — $ — $ — $ 46,650 Total commercial loans Risk rating: Pass $ 483,428 $ 339,128 $ 238,765 $ 197,666 $ 186,302 $ 285,720 $ 194,568 $ 1,925,577 Special mention — 21 438 17,061 1,288 3,760 3,864 26,432 Substandard 31 33 623 630 4,993 4,207 5,227 15,744 Doubtful — — 280 — — — — 280 Loss — — — — — 2 — 2 Total commercial loans $ 483,459 $ 339,182 $ 240,106 $ 215,357 $ 192,583 $ 293,689 $ 203,659 $ 1,968,035 The following table presents the credit risk profile by risk grade for retail consumer loans by origination year: Term Loans By Origination Fiscal Year June 30, 2021 2021 2020 2019 2018 2017 Prior Revolving Total One-to-four family Risk rating: Pass $ 72,723 $ 52,987 $ 46,958 $ 40,461 $ 37,361 $ 143,531 $ 4,345 $ 398,366 Special mention — — — — 27 1,084 — 1,111 Substandard 246 981 — 216 86 5,037 — 6,566 Doubtful — — — — — 191 — 191 Loss — — — — — 315 — 315 Total one-to-four family $ 72,969 $ 53,968 $ 46,958 $ 40,677 $ 37,474 $ 150,158 $ 4,345 $ 406,549 HELOCs - originated Risk rating: Pass 2,767 465 1,294 217 716 9,469 114,048 $ 128,976 Special mention — — — — — 12 — 12 Substandard — — 159 — 38 935 105 1,237 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - originated $ 2,767 $ 465 $ 1,453 $ 217 $ 754 $ 10,416 $ 114,153 $ 130,225 HELOCs - purchased Risk rating: Pass — — — — — — 38,523 $ 38,523 Special mention — — — — — — — — Substandard — — — — — — 453 453 Doubtful — — — — — — — — Loss — — — — — — — — Total HELOCs - purchased $ — $ — $ — $ — $ — $ — $ 38,976 $ 38,976 Construction and land/lots Risk rating: Pass 4,244 12,133 2,357 956 — 3,558 42,267 $ 65,515 Special mention — — — — — — — — Substandard — — — 96 — 416 — 512 Doubtful — — — — — — — — Loss — — — — — — — — Total construction and land/lots $ 4,244 $ 12,133 $ 2,357 $ 1,052 $ — $ 3,974 $ 42,267 $ 66,027 Indirect auto finance Risk rating: Pass 42,128 27,134 16,224 18,853 7,561 2,061 — $ 113,961 Special mention — — — — — — — — Substandard 29 415 195 273 143 75 — 1,130 Doubtful — — — — — — — — Loss 2 — — — — — — 2 Total indirect auto finance $ 42,159 $ 27,549 $ 16,419 $ 19,126 $ 7,704 $ 2,136 $ — $ 115,093 Consumer Risk rating: Pass 1,344 1,019 5,204 252 90 91 288 $ 8,288 Special mention — — — 14 — — — 14 Substandard — 3 19 11 4 10 11 58 Doubtful — — — — — — — — Loss — 1 1 — — — — 2 Total consumer $ 1,344 $ 1,023 $ 5,224 $ 277 $ 94 $ 101 $ 299 $ 8,362 Total retail consumer loans Risk rating: Pass $ 123,206 $ 93,738 $ 72,037 $ 60,739 $ 45,728 $ 158,710 $ 199,471 $ 753,629 Special mention — — — 14 27 1,096 — 1,137 Substandard 275 1,399 373 596 271 6,473 569 9,956 Doubtful — — — — — 191 — 191 Loss 2 1 1 — — 315 — 319 Total retail consumer loans $ 123,483 $ 95,138 $ 72,411 $ 61,349 $ 46,026 $ 166,785 $ 200,040 $ 765,232
Past Due Financing Receivables	The following tables present aging analysis of past due loans (includes nonaccrual loans) by segment and class for the periods indicated below: Past Due Total 30-89 Days 90 Days+ Total Current Loans December 31, 2021 Commercial loans: Commercial real estate $ 56 $ 242 $ 298 $ 1,113,032 $ 1,113,330 Construction and development — 253 253 226,186 226,439 Commercial and industrial 345 560 905 161,491 162,396 Equipment finance 90 93 183 366,825 367,008 Municipal finance — — — 131,078 131,078 PPP loans 20 — 20 19,024 19,044 Retail consumer loans: One-to-four family 1,007 1,493 2,500 354,350 356,850 HELOCs - originated 86 272 358 127,831 128,189 HELOCs - purchased 346 — 346 30,449 30,795 Construction and land/lots 123 22 145 69,108 69,253 Indirect auto finance 346 110 456 84,125 84,581 Consumer 337 41 378 6,731 7,109 Total loans $ 2,756 $ 3,086 $ 5,842 $ 2,690,230 $ 2,696,072 Past Due Total 30-89 Days 90 Days+ Total Current Loans June 30, 2021 Commercial loans: Commercial real estate $ 396 $ 1,680 $ 2,076 $ 1,140,200 $ 1,142,276 Construction and development — 37 37 179,390 179,427 Commercial and industrial 634 19 653 140,688 141,341 Equipment finance — 347 347 317,573 317,920 Municipal finance — — — 140,421 140,421 PPP loans — — — 46,650 46,650 Retail consumer loans: One-to-four family 1,112 1,124 2,236 404,313 406,549 HELOCs - originated 290 186 476 129,749 130,225 HELOCs - purchased 198 79 277 38,699 38,976 Construction and land/lots 6 35 41 65,986 66,027 Indirect auto finance 299 259 558 114,535 115,093 Consumer 378 36 414 7,948 8,362 Total loans $ 3,313 $ 3,802 $ 7,115 $ 2,726,152 $ 2,733,267
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, 2021. December 31, 2021 June 30, 2021 90 Days + & still accruing as of December 31, 2021 Nonaccrual with no allowance as of December 31, 2021 Interest income recognized Commercial loans: Commercial real estate $ 1,244 $ 7,015 $ — $ — $ 24 Construction and development 355 482 — — 4 Commercial and industrial 923 49 — 67 17 Equipment finance 328 630 — — 1 Municipal finance 38 — — — 2 Retail consumer loans: One-to-four family 2,127 2,625 — 540 27 HELOCs - originated 352 476 — — 3 HELOCs - purchased 452 453 — 359 11 Construction and land/lots 22 22 — — — Indirect auto finance 272 438 — — 5 Consumer 45 416 — — 2 Total loans $ 6,158 $ 12,606 $ — $ 966 $ 96
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, 2021 2020 2021 2020 Provision (benefit) for credit losses: Loans $ (2,440) $ (3,350) $ (3,775) $ (2,400) Off-balance-sheet credit exposure (110) 140 (235) 140 Commercial paper 50 180 50 180 Total provision (benefit) for credit losses $ (2,500) $ (3,030) $ (3,960) $ (2,080)
Allowance for Credit Losses on Financing Receivables	The following tables present analysis of the ACL on loans by segment for the periods indicated below: Three Months Ended Six Months Ended December 31, 2021 December 31, 2021 Commercial Retail Total Commercial Retail Total Balance at beginning of period $ 24,204 $ 10,202 $ 34,406 $ 24,746 $ 10,722 $ 35,468 Benefit for credit losses (140) (2,300) (2,440) (763) (3,012) (3,775) Charge-offs (1,131) (16) (1,147) (1,750) (106) (1,856) Recoveries 35 79 114 735 361 1,096 Net (charge-offs) recoveries (1,096) 63 (1,033) (1,015) 255 (760) Balance at end of period $ 22,968 $ 7,965 $ 30,933 $ 22,968 $ 7,965 $ 30,933 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) recoveries (8) 70 62 (290) (347) (637) Balance at end of period $ 24,899 $ 14,945 39,844 $ 24,899 $ 14,945 $ 39,844
Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class	The following tables present ending balances of loans and the related ACL, by segment and class for the periods indicated below: Allowance for Credit Losses Total Loans Receivable Loans Loans Total Loans Loans Total December 31, 2021 Commercial loans: Commercial real estate $ 2 $ 11,065 $ 11,067 $ 580 $ 1,112,750 $ 1,113,330 Construction and development — 1,684 1,684 — 226,439 226,439 Commercial and industrial 674 2,566 3,240 2,172 160,224 162,396 Equipment finance — 6,520 6,520 — 367,008 367,008 Municipal finance — 457 457 — 131,078 131,078 PPP loans — — — — 19,044 19,044 Retail consumer loans: One-to-four family 2 3,632 3,634 2,500 354,350 356,850 HELOCs - originated — 1,272 1,272 — 128,189 128,189 HELOCs - purchased — 306 306 — 30,795 30,795 Construction and land/lots — 705 705 — 69,253 69,253 Indirect auto finance — 1,929 1,929 — 84,581 84,581 Consumer — 119 119 — 7,109 7,109 Total $ 678 $ 30,255 $ 30,933 $ 5,252 $ 2,690,820 $ 2,696,072 Allowance for Loan Losses Total Loans Receivable Loans Loans Total Loans Loans Total June 30, 2021 Commercial loans: Commercial real estate $ 456 $ 12,826 $ 13,282 $ 5,729 $ 1,136,547 $ 1,142,276 Construction and development — 1,801 1,801 80 179,347 179,427 Commercial and industrial 9 2,583 2,592 760 140,581 141,341 Equipment finance — 6,537 6,537 275 317,645 317,920 Municipal finance — 534 534 — 140,421 140,421 PPP loans — — — — 46,650 46,650 Retail consumer loans: One-to-four family 2 5,407 5,409 1,977 404,572 406,549 HELOCs - originated — 1,512 1,512 — 130,225 130,225 HELOCs - purchased — 452 452 — 38,976 38,976 Construction and land/lots — 812 812 — 66,027 66,027 Indirect auto finance — 2,367 2,367 — 115,093 115,093 Consumer — 170 170 — 8,362 8,362 Total $ 467 $ 35,001 $ 35,468 $ 8,821 $ 2,724,446 $ 2,733,267
Troubled Debt Restructurings on Financing Receivables	The following table presents a breakdown of the types of concessions made on TDRs by loan class for the period indicated below: Three Months Ended December 31, 2021 2020 Number Pre Post Number Pre Post Other TDRs: Retail consumer: One-to-four family 3 215 212 1 19 16 HELOCs - originated 1 51 51 — — — Construction and land/lots — — — 1 225 223 Indirect auto finance — — — 3 45 43 Total 4 $ 266 $ 263 5 $ 289 $ 282 Six Months Ended December 31, 2021 2020 Number Pre Post Number Pre Post Other TDRs: Commercial: Commercial real estate — — — 1 4,408 3,800 Retail consumer: One-to-four family 3 215 212 1 19 16 HELOCs - originated 2 68 70 — — — Construction and land/lots — — — 1 225 223 Indirect auto finance 5 84 80 9 141 109 Total 10 $ 367 $ 362 12 $ 4,793 $ 4,148
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 periods indicated below: Three Months Ended December 31, 2021 2020 Number of Recorded Number of Recorded Other TDRs: Retail consumer: Indirect auto finance — $ — 1 $ 1 Total — $ — 1 $ 1 Six Months Ended December 31, 2021 2020 Number of Recorded Number of Recorded Other TDRs: Retail consumer: Indirect auto finance 2 44 2 $ 12 Total 2 $ 44 2 $ 12

Net Income per Share (Tables)

Net Income per Share (Tables)	6 Months Ended
	Dec. 31, 2021
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, 2021 2020 2021 2020 Numerator: Net income $ 11,078 $ 9,461 $ 21,605 $ 15,214 Allocation of earnings to participating securities (94) (77) (182) (124) Numerator for basic EPS - Net income available to common stockholders $ 10,984 $ 9,384 $ 21,423 $ 15,090 Effect of dilutive securities: Dilutive effect of participating securities 2 1 4 2 Numerator for diluted EPS $ 10,986 $ 9,385 $ 21,427 $ 15,092 Denominator: Weighted-average common shares outstanding - basic 15,632,283 16,202,844 15,696,765 16,216,917 Dilutive effect of assumed exercises of stock options 357,323 360,515 360,842 297,914 Weighted-average common shares outstanding - diluted 15,989,606 16,563,359 16,057,607 16,514,831 Net income per share - basic $ 0.70 $ 0.58 $ 1.36 $ 0.93 Net income per share - diluted $ 0.68 $ 0.57 $ 1.33 $ 0.92

Equity Incentive Plan (Tables)

Equity Incentive Plan (Tables)	6 Months Ended
	Dec. 31, 2021
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, 2021 and 2020, respectively: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Share-based compensation expense $ 485 $ 454 $ 900 $ 960 Tax benefit 114 107 212 226
Equity Incentive Plan Stock Option Activity	The table below presents stock option activity and related information for the six months ended December 31, 2021 and 2020: Options Weighted- Remaining Aggregate 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 Options outstanding at June 30, 2021 1,319,456 $ 19.07 3.9 $ 11,657 Exercised 347,800 14.50 — — Forfeited 18,600 23.06 — — Options outstanding at December 31, 2021 953,056 $ 20.65 4.1 $ 9,840 Exercisable at December 31, 2021 727,506 $ 19.12 3.2 $ 8,631 Non-vested at December 31, 2021 225,550 $ 25.62 6.9 $ 1,210
Schedule of Nonvested Restricted Stock Units Activity	The table below presents restricted stock award activity and related information: Restricted Weighted- Aggregate 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 Non-vested at June 30, 2021 151,575 $ 25.06 $ 4,229 Vested 8,918 26.93 — Forfeited 9,400 24.57 — Non-vested at December 31, 2021 133,257 $ 25.06 $ 4,128

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	6 Months Ended
	Dec. 31, 2021
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, 2021 Total Level 1 Level 2 Level 3 U.S government agencies $ 18,933 $ — $ 18,933 $ — MBS, residential 38,185 — 38,185 — Municipal bonds 7,249 — 7,249 — Corporate bonds 57,484 — 57,484 — Total $ 121,851 $ — $ 121,851 $ — June 30, 2021 Total Level 1 Level 2 Level 3 U.S government agencies $ 19,073 $ — $ 19,073 $ — MBS, residential 43,404 — 43,404 — Municipal bonds 9,551 — 9,551 — Corporate bonds 84,431 — 84,431 — Total $ 156,459 $ — $ 156,459 $ —
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, 2021 Total Level 1 Level 2 Level 3 Collateral dependent loans: Commercial real estate $ 288 $ — $ — $ 288 Commercial and industrial — — — — Total $ 288 $ — $ — $ 288 June 30, 2021 Total Level 1 Level 2 Level 3 Collateral dependent loans: Commercial real estate $ 4,841 $ — $ — $ 4,841 Equipment finance 275 — — 275 Total $ 5,116 $ — $ — $ 5,116
Fair Value, by Balance Sheet Grouping	The stated carrying value and estimated fair value amounts of financial instruments as of December 31, 2021 and June 30, 2021, are summarized below: December 31, 2021 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and cash equivalents $ 34,826 $ 34,826 $ 34,826 $ — $ — Commercial paper 254,157 254,157 254,157 — — Certificates of deposit in other banks 34,002 34,002 — 34,002 — Debt securities available for sale 121,851 121,851 — 121,851 — Loans held for sale 102,070 103,317 — — 103,317 Loans, net 2,665,139 2,625,236 — — 2,625,236 FHLB stock 2,965 N/A N/A N/A N/A FRB stock 7,403 N/A N/A N/A N/A SBIC investments 11,749 11,749 — — 11,749 Accrued interest receivable 8,200 8,200 — 640 7,560 Liabilities: Noninterest-bearing and NOW accounts 1,321,502 1,321,502 — 1,321,502 — Money market accounts 1,010,901 1,010,901 — 1,010,901 — Savings accounts 224,474 224,474 — 224,474 — Certificates of deposit 441,814 441,568 — 441,568 — Borrowings 48,000 47,998 — 47,998 — Accrued interest payable 42 42 — 42 — June 30, 2021 Carrying Fair Level 1 Level 2 Level 3 Assets: Cash and cash equivalents $ 50,990 $ 50,990 $ 50,990 $ — $ — Commercial paper 189,596 189,596 189,596 — — Certificates of deposit in other banks 40,122 40,122 — 40,122 — Debt securities available for sale 156,459 156,459 — 156,459 — Loans held for sale 93,539 94,779 — — 94,779 Loans, net 2,697,799 2,668,570 — — 2,668,570 FHLB stock 6,153 N/A N/A N/A N/A FRB stock 7,386 N/A N/A N/A N/A SBIC investments 10,171 10,171 — — 10,171 Accrued interest receivable 7,933 7,933 52 542 7,339 Liabilities: Noninterest-bearing and NOW accounts 1,281,372 1,281,372 — 1,281,372 — Money market accounts 975,001 975,001 — 975,001 — Savings accounts 226,391 226,391 — 226,391 — Certificates of deposit 472,777 474,397 — 474,397 — Borrowings 115,000 115,000 — 115,000 — Accrued interest payable 52 52 — 52 —

Leases (Tables)

Leases (Tables)	6 Months Ended
	Dec. 31, 2021
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, 2021 June 30, 2021 ROU assets $ 5,178 $ 5,498 Lease liabilities 5,941 5,926 Weighted-average remaining lease terms (years) 10.49 9.49 Weighted-average discount rate 3.21 % 3.18 %
Lessee, Operating Lease, Liability, Maturity	The following schedule summarizes aggregate future minimum lease payments under these operating leases at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 592 2023 1,166 2024 854 2025 630 2026 512 Thereafter 3,216 Total undiscounted minimum lease payments 6,970 Less: amount representing interest (1,029) Total lease liability $ 5,941
Lease, Cost	The following table presents components of operating lease expense for the three and six months ended December 31, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease cost (included in occupancy expense, net) $ 328 $ 342 $ 723 $ 681 Variable lease cost (included in occupancy expense, net) 55 61 116 122 Sublease income (included in other, noninterest income) (47) (57) (94) (114) Total operating lease expense, net $ 336 $ 346 $ 745 $ 689 Supplemental lease cash flow information for the six months ended December 31, 2021 and 2020: Six Months Ended December 31, 2021 2020 ROU assets - noncash additions (operating leases) $ 946 $ 597 Cash paid for amounts included in the measurement of lease liabilities (operating leases) 797 1,055 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, 2021: Fiscal year ending June 30: Remaining 2022 $ 67 2023 134 2024 145 2025 146 2026 146 Thereafter 1,702 Total undiscounted minimum lease payments 2,340 Less: amount representing interest (557) Total lease liability $ 1,783
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, 2021 and 2020: Three Months Ended December 31, Six Months Ended December 31, 2021 2020 2021 2020 Operating lease income $ 1,718 $ 1,349 $ 3,258 $ 2,675 Depreciation expense 1,497 1,413 2,882 2,954
Lessor, Operating Lease, Payments to be Received, Maturity	The following schedule summarizes aggregate future minimum lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 3,022 2023 4,825 2024 2,732 2025 778 2026 246 Thereafter 13 Total of future minimum lease payments $ 11,616
Sales-type and Direct Financing Leases, Lease Receivable, Maturity	The following schedule summarizes aggregate future minimum finance lease payments to be received at December 31, 2021: Fiscal year ending June 30: Remaining 2022 $ 9,609 2023 20,469 2024 17,393 2025 12,141 2026 7,546 Thereafter 3,437 Total undiscounted minimum lease payments 70,595 Less: amount representing interest (7,740) Total lease receivable $ 62,855

Debt Securities - Available for

Debt Securities - Available for Sale Securities Table (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 121,071	$ 154,493
Gross Unrealized Gains	1,382	2,184
Gross Unrealized Losses	(602)	(218)
Estimated Fair Value	121,851	156,459
U.S. government agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	18,984	18,975
Gross Unrealized Gains	85	135
Gross Unrealized Losses	(136)	(37)
Estimated Fair Value	18,933	19,073
MBS, residential
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	37,424	42,119
Gross Unrealized Gains	882	1,339
Gross Unrealized Losses	(121)	(54)
Estimated Fair Value	38,185	43,404
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	6,928	9,098
Gross Unrealized Gains	321	453
Gross Unrealized Losses	0	0
Estimated Fair Value	7,249	9,551
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	57,735	84,301
Gross Unrealized Gains	94	257
Gross Unrealized Losses	(345)	(127)
Estimated Fair Value	$ 57,484	$ 84,431

Debt Securities - Schedule of I

Debt Securities - Schedule of Investments Classified by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Amortized Cost
Due within one year	$ 36,079	$ 34,615
Due after one year through five years	41,755	73,249
Due after five years through ten years	5,813	4,510
Due after ten years	0	0
Total	121,071	154,493
Estimated Fair Value
Due within one year	36,230	34,684
Due after one year through five years	41,500	73,633
Due after five years through ten years	5,936	4,738
Due after ten years	0	0
Estimated Fair Value	121,851	156,459
MBS, residential
Amortized Cost
Total	37,424	42,119
Estimated Fair Value
Estimated Fair Value	$ 38,185	$ 43,404

Debt Securities - Narrative (De

Debt Securities - Narrative (Details)	6 Months Ended
	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)	Jun. 30, 2021USD ($)security
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 121,851,000		$ 156,459,000
Proceeds from sale of securities available for sale	0	$ 0
Gross realized gain (loss)	0	$ 0
Securities available for sale pledged as collateral market value	$ 56,267,000		$ 53,897,000
Number of securities with unrealized losses | security	39		28
Accrued interest receivable for investment securities available for sale	$ 529,000
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 55,636,000		$ 52,603,000

Debt Securities - Available f_2

Debt Securities - Available for Sale Securities Continuous Unrealized Loss Position Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 121,851	$ 156,459
Less than 12 Months, Fair Value	67,827	40,048
12 Months or Longer, Fair Value	1,132	1,205
Total, Fair Value	68,959	41,253
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(581)	(192)
12 Months or More, Unrealized Losses	(21)	(26)
Total, Unrealized Losses	(602)	(218)
U.S. government agencies
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	18,933	19,073
Less than 12 Months, Fair Value	14,864	14,963
12 Months or Longer, Fair Value	0	0
Total, Fair Value	14,864	14,963
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(136)	(37)
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	(136)	(37)
MBS, residential
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	38,185	43,404
Less than 12 Months, Fair Value	9,344	5,212
12 Months or Longer, Fair Value	1,132	1,205
Total, Fair Value	10,476	6,417
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(100)	(28)
12 Months or More, Unrealized Losses	(21)	(26)
Total, Unrealized Losses	(121)	(54)
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	57,484	84,431
Less than 12 Months, Fair Value	43,619	19,873
12 Months or Longer, Fair Value	0	0
Total, Fair Value	43,619	19,873
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract] (Deprecated 2018-01-31)
12 Months or More, Fair Value	(345)	(127)
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	(345)	(127)
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Estimated Fair Value	$ 55,636	$ 52,603

Other Investments (Details)

Other Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Other Investment Not Readily Marketable [Line Items]
FHLB of Atlanta stock	$ 2,965	$ 6,153
FRB stock	7,403	7,386
Other investments, at cost	22,117	23,710
Small Business Investment Companies (SBIC)
Other Investment Not Readily Marketable [Line Items]
SBIC investments	$ 11,749	$ 10,171

Loans Held For Sale (Details)

Loans Held For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Accounts, Notes, Loans and Financing Receivable
Total	$ 102,070	$ 93,539
One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total	19,246	31,873
SBA
Accounts, Notes, Loans and Financing Receivable
Total	8,220	4,160
HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total	$ 74,604	$ 57,506

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses on Loans - Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	$ 2,696,072		$ 2,733,267
Allowance for credit losses on loans	(30,933)	$ (34,406)	(35,468)	$ (39,844)	$ (43,132)	$ (28,072)
Loans, net	2,665,139		2,697,799
Accrued interest receivable	7,560		7,339
Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	2,019,295		1,968,035
Allowance for credit losses on loans	(22,968)	(24,204)	(24,746)	(24,899)	(25,199)	(21,116)
Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	19,044		46,650
Allowance for credit losses on loans	0		0
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	1,113,330		1,142,276
Allowance for credit losses on loans	(11,067)		(13,282)
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	226,439		179,427
Allowance for credit losses on loans	(1,684)		(1,801)
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	162,396		141,341
Allowance for credit losses on loans	(3,240)		(2,592)
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	367,008		317,920
Allowance for credit losses on loans	(6,520)		(6,537)
Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	131,078		140,421
Allowance for credit losses on loans	(457)		(534)
Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	676,777		765,232
Allowance for credit losses on loans	(7,965)	$ (10,202)	(10,722)	$ (14,945)	$ (17,933)	$ (6,956)
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	356,850		406,549
Allowance for credit losses on loans	(3,634)		(5,409)
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	128,189		130,225
Allowance for credit losses on loans	(1,272)		(1,512)
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	30,795		38,976
Allowance for credit losses on loans	(306)		(452)
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	69,253		66,027
Allowance for credit losses on loans	(705)		(812)
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	84,581		115,093
Allowance for credit losses on loans	(1,929)		(2,367)
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans, net of deferred loan fees and costs	7,109		8,362
Allowance for credit losses on loans	$ (119)		$ (170)

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses on Loans - Financing Receivable Credit Quality Indicators, After Adoption of ASU 2016-13 (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Financing Receivable, Recorded Investment
Total loans, net of deferred loan costs	$ 2,696,072	$ 2,733,267
Commercial Loans
Financing Receivable, Recorded Investment
2022	253,084	483,459
2021	436,795	339,182
2020	293,709	240,106
2019	193,494	215,357
2018	187,869	192,583
Prior	408,551	293,689
Revolving	245,793	203,659
Total loans, net of deferred loan costs	2,019,295	1,968,035
Commercial Loans | PPP
Financing Receivable, Recorded Investment
2022	10	29,667
2021	12,115	16,983
2020	6,919	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	19,044	46,650
Commercial Loans | Pass
Financing Receivable, Recorded Investment
2022	252,343	483,428
2021	436,004	339,128
2020	292,964	238,765
2019	191,695	197,666
2018	171,819	186,302
Prior	389,854	285,720
Revolving	236,375	194,568
Total loans, net of deferred loan costs	1,971,054	1,925,577
Commercial Loans | Pass | PPP
Financing Receivable, Recorded Investment
2022	10	29,667
2021	12,115	16,983
2020	6,919	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	19,044	46,650
Commercial Loans | Special Mention
Financing Receivable, Recorded Investment
2022	741	0
2021	84	21
2020	364	438
2019	689	17,061
2018	15,442	1,288
Prior	13,852	3,760
Revolving	4,790	3,864
Total loans, net of deferred loan costs	35,962	26,432
Commercial Loans | Special Mention | PPP
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Substandard
Financing Receivable, Recorded Investment
2022	0	31
2021	707	33
2020	381	623
2019	860	630
2018	608	4,993
Prior	4,845	4,207
Revolving	4,628	5,227
Total loans, net of deferred loan costs	12,029	15,744
Commercial Loans | Substandard | PPP
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	280
2019	250	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	250	280
Commercial Loans | Doubtful | PPP
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	2
Revolving	0	0
Total loans, net of deferred loan costs	0	2
Commercial Loans | Loss | PPP
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Commercial real estate
Financing Receivable, Recorded Investment
2022	84,713	227,850
2021	221,764	177,691
2020	171,332	142,407
2019	125,455	175,728
2018	157,375	164,774
Prior	330,981	227,568
Revolving	21,710	26,258
Total loans, net of deferred loan costs	1,113,330	1,142,276
Commercial Loans | Commercial real estate | Pass
Financing Receivable, Recorded Investment
2022	83,972	227,850
2021	221,764	177,691
2020	171,332	142,407
2019	125,455	158,147
2018	141,325	158,525
Prior	313,297	220,834
Revolving	21,312	25,860
Total loans, net of deferred loan costs	1,078,457	1,111,314
Commercial Loans | Commercial real estate | Special Mention
Financing Receivable, Recorded Investment
2022	741	0
2021	0	0
2020	0	0
2019	0	16,951
2018	15,442	1,256
Prior	13,248	3,092
Revolving	0	0
Total loans, net of deferred loan costs	29,431	21,299
Commercial Loans | Commercial real estate | Substandard
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	630
2018	608	4,993
Prior	4,436	3,642
Revolving	398	398
Total loans, net of deferred loan costs	5,442	9,663
Commercial Loans | Commercial real estate | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Commercial real estate | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Construction and development
Financing Receivable, Recorded Investment
2022	18,603	18,262
2021	18,270	6,523
2020	5,511	10,349
2019	2,847	6,008
2018	4,573	2,693
Prior	8,198	7,922
Revolving	168,437	127,670
Total loans, net of deferred loan costs	226,439	179,427
Commercial Loans | Construction and development | Pass
Financing Receivable, Recorded Investment
2022	18,603	18,262
2021	18,270	6,523
2020	5,511	10,349
2019	2,847	6,008
2018	4,573	2,693
Prior	7,606	7,153
Revolving	163,684	123,843
Total loans, net of deferred loan costs	221,094	174,831
Commercial Loans | Construction and development | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	237	286
Revolving	4,753	3,827
Total loans, net of deferred loan costs	4,990	4,113
Commercial Loans | Construction and development | Substandard
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	355	482
Revolving	0	0
Total loans, net of deferred loan costs	355	482
Commercial Loans | Construction and development | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Construction and development | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	1
Revolving	0	0
Total loans, net of deferred loan costs	0	1
Commercial Loans | Commercial and industrial
Financing Receivable, Recorded Investment
2022	35,007	29,637
2021	25,328	14,064
2020	14,643	19,564
2019	14,005	10,869
2018	7,932	15,378
Prior	22,931	10,798
Revolving	42,550	41,031
Total loans, net of deferred loan costs	162,396	141,341
Commercial Loans | Commercial and industrial | Pass
Financing Receivable, Recorded Investment
2022	35,007	29,606
2021	24,658	14,010
2020	14,293	18,826
2019	12,733	10,759
2018	7,932	15,346
Prior	22,767	10,589
Revolving	38,283	36,165
Total loans, net of deferred loan costs	155,673	135,301
Commercial Loans | Commercial and industrial | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	21
2020	0	438
2019	412	110
2018	0	32
Prior	110	125
Revolving	37	37
Total loans, net of deferred loan costs	559	763
Commercial Loans | Commercial and industrial | Substandard
Financing Receivable, Recorded Investment
2022	0	31
2021	670	33
2020	350	300
2019	860	0
2018	0	0
Prior	54	83
Revolving	4,230	4,829
Total loans, net of deferred loan costs	6,164	5,276
Commercial Loans | Commercial and industrial | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Commercial and industrial | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	1
Revolving	0	0
Total loans, net of deferred loan costs	0	1
Commercial Loans | Equipment finance
Financing Receivable, Recorded Investment
2022	104,196	154,685
2021	134,891	104,681
2020	86,088	53,781
2019	38,915	4,773
2018	2,918	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	367,008	317,920
Commercial Loans | Equipment finance | Pass
Financing Receivable, Recorded Investment
2022	104,196	154,685
2021	134,807	104,681
2020	85,693	53,178
2019	38,388	4,773
2018	2,918	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	366,002	317,317
Commercial Loans | Equipment finance | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	84	0
2020	364	0
2019	277	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	725	0
Commercial Loans | Equipment finance | Substandard
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	31	323
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	31	323
Commercial Loans | Equipment finance | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	280
2019	250	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	250	280
Commercial Loans | Equipment finance | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Municipal finance
Financing Receivable, Recorded Investment
2022	10,555	23,358
2021	24,427	19,240
2020	9,216	14,005
2019	12,272	17,979
2018	15,071	9,738
Prior	46,441	47,401
Revolving	13,096	8,700
Total loans, net of deferred loan costs	131,078	140,421
Commercial Loans | Municipal finance | Pass
Financing Receivable, Recorded Investment
2022	10,555	23,358
2021	24,390	19,240
2020	9,216	14,005
2019	12,272	17,979
2018	15,071	9,738
Prior	46,184	47,144
Revolving	13,096	8,700
Total loans, net of deferred loan costs	130,784	140,164
Commercial Loans | Municipal finance | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	257	257
Revolving	0	0
Total loans, net of deferred loan costs	257	257
Commercial Loans | Municipal finance | Substandard
Financing Receivable, Recorded Investment
2022	0	0
2021	37	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	37	0
Commercial Loans | Municipal finance | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Commercial Loans | Municipal finance | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans
Financing Receivable, Recorded Investment
2022	29,581	123,483
2021	105,222	95,138
2020	78,568	72,411
2019	52,403	61,349
2018	45,796	46,026
Prior	163,721	166,785
Revolving	201,486	200,040
Total loans, net of deferred loan costs	676,777	765,232
Retail Consumer Loans | Pass
Financing Receivable, Recorded Investment
2022	29,581	123,206
2021	105,170	93,738
2020	77,278	72,037
2019	51,562	60,739
2018	45,341	45,728
Prior	156,177	158,710
Revolving	200,954	199,471
Total loans, net of deferred loan costs	666,063	753,629
Retail Consumer Loans | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	14
2018	0	27
Prior	997	1,096
Revolving	0	0
Total loans, net of deferred loan costs	997	1,137
Retail Consumer Loans | Substandard
Financing Receivable, Recorded Investment
2022	0	275
2021	52	1,399
2020	1,290	373
2019	840	596
2018	455	271
Prior	6,079	6,473
Revolving	532	569
Total loans, net of deferred loan costs	9,248	9,956
Retail Consumer Loans | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	158	191
Revolving	0	0
Total loans, net of deferred loan costs	158	191
Retail Consumer Loans | Loss
Financing Receivable, Recorded Investment
2022	0	2
2021	0	1
2020	0	1
2019	1	0
2018	0	0
Prior	310	315
Revolving	0	0
Total loans, net of deferred loan costs	311	319
Retail Consumer Loans | One-to-four family
Financing Receivable, Recorded Investment
2022	18,078	72,969
2021	68,642	53,968
2020	54,038	46,958
2019	34,704	40,677
2018	32,588	37,474
Prior	145,887	150,158
Revolving	2,913	4,345
Total loans, net of deferred loan costs	356,850	406,549
Retail Consumer Loans | One-to-four family | Pass
Financing Receivable, Recorded Investment
2022	18,078	72,723
2021	68,642	52,987
2020	53,075	46,958
2019	34,164	40,461
2018	32,376	37,361
Prior	139,793	143,531
Revolving	2,913	4,345
Total loans, net of deferred loan costs	349,041	398,366
Retail Consumer Loans | One-to-four family | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	27
Prior	987	1,084
Revolving	0	0
Total loans, net of deferred loan costs	987	1,111
Retail Consumer Loans | One-to-four family | Substandard
Financing Receivable, Recorded Investment
2022	0	246
2021	0	981
2020	963	0
2019	540	216
2018	212	86
Prior	4,639	5,037
Revolving	0	0
Total loans, net of deferred loan costs	6,354	6,566
Retail Consumer Loans | One-to-four family | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	158	191
Revolving	0	0
Total loans, net of deferred loan costs	158	191
Retail Consumer Loans | One-to-four family | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	310	315
Revolving	0	0
Total loans, net of deferred loan costs	310	315
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Recorded Investment
2022	941	2,767
2021	1,400	465
2020	373	1,453
2019	1,760	217
2018	147	754
Prior	9,580	10,416
Revolving	113,988	114,153
Total loans, net of deferred loan costs	128,189	130,225
Retail Consumer Loans | HELOCs - originated | Pass
Financing Receivable, Recorded Investment
2022	941	2,767
2021	1,400	465
2020	373	1,294
2019	1,602	217
2018	147	716
Prior	8,662	9,469
Revolving	113,937	114,048
Total loans, net of deferred loan costs	127,062	128,976
Retail Consumer Loans | HELOCs - originated | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	10	12
Revolving	0	0
Total loans, net of deferred loan costs	10	12
Retail Consumer Loans | HELOCs - originated | Substandard
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	159
2019	158	0
2018	0	38
Prior	908	935
Revolving	51	105
Total loans, net of deferred loan costs	1,117	1,237
Retail Consumer Loans | HELOCs - originated | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | HELOCs - originated | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	30,795	38,976
Total loans, net of deferred loan costs	30,795	38,976
Retail Consumer Loans | HELOCs - purchased | Pass
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	30,342	38,523
Total loans, net of deferred loan costs	30,342	38,523
Retail Consumer Loans | HELOCs - purchased | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | HELOCs - purchased | Substandard
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	453	453
Total loans, net of deferred loan costs	453	453
Retail Consumer Loans | HELOCs - purchased | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | HELOCs - purchased | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Recorded Investment
2022	1,006	4,244
2021	9,148	12,133
2020	2,723	2,357
2019	53	1,052
2018	0	0
Prior	2,869	3,974
Revolving	53,454	42,267
Total loans, net of deferred loan costs	69,253	66,027
Retail Consumer Loans | Construction and land/lots | Pass
Financing Receivable, Recorded Investment
2022	1,006	4,244
2021	9,148	12,133
2020	2,723	2,357
2019	53	956
2018	0	0
Prior	2,474	3,558
Revolving	53,454	42,267
Total loans, net of deferred loan costs	68,858	65,515
Retail Consumer Loans | Construction and land/lots | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | Construction and land/lots | Substandard
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	96
2018	0	0
Prior	395	416
Revolving	0	0
Total loans, net of deferred loan costs	395	512
Retail Consumer Loans | Construction and land/lots | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | Construction and land/lots | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Recorded Investment
2022	9,174	42,159
2021	24,984	27,549
2020	20,691	16,419
2019	11,546	19,126
2018	12,907	7,704
Prior	5,279	2,136
Revolving	0	0
Total loans, net of deferred loan costs	84,581	115,093
Retail Consumer Loans | Indirect auto finance | Pass
Financing Receivable, Recorded Investment
2022	9,174	42,128
2021	24,932	27,134
2020	20,364	16,224
2019	11,420	18,853
2018	12,664	7,561
Prior	5,146	2,061
Revolving	0	0
Total loans, net of deferred loan costs	83,700	113,961
Retail Consumer Loans | Indirect auto finance | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | Indirect auto finance | Substandard
Financing Receivable, Recorded Investment
2022	0	29
2021	52	415
2020	327	195
2019	126	273
2018	243	143
Prior	133	75
Revolving	0	0
Total loans, net of deferred loan costs	881	1,130
Retail Consumer Loans | Indirect auto finance | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | Indirect auto finance | Loss
Financing Receivable, Recorded Investment
2022	0	2
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	2
Retail Consumer Loans | Consumer
Financing Receivable, Recorded Investment
2022	382	1,344
2021	1,048	1,023
2020	743	5,224
2019	4,340	277
2018	154	94
Prior	106	101
Revolving	336	299
Total loans, net of deferred loan costs	7,109	8,362
Retail Consumer Loans | Consumer | Pass
Financing Receivable, Recorded Investment
2022	382	1,344
2021	1,048	1,019
2020	743	5,204
2019	4,323	252
2018	154	90
Prior	102	91
Revolving	308	288
Total loans, net of deferred loan costs	7,060	8,288
Retail Consumer Loans | Consumer | Special Mention
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	14
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	14
Retail Consumer Loans | Consumer | Substandard
Financing Receivable, Recorded Investment
2022	0	0
2021	0	3
2020	0	19
2019	16	11
2018	0	4
Prior	4	10
Revolving	28	11
Total loans, net of deferred loan costs	48	58
Retail Consumer Loans | Consumer | Doubtful
Financing Receivable, Recorded Investment
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	0	0
Retail Consumer Loans | Consumer | Loss
Financing Receivable, Recorded Investment
2022	0	0
2021	0	1
2020	0	1
2019	1	0
2018	0	0
Prior	0	0
Revolving	0	0
Total loans, net of deferred loan costs	$ 1	$ 2

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses on Loans - Schedule of Past Due Financing Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Financing Receivable, Past Due [Line Items]
Past Due	$ 5,842	$ 7,115
Current	2,690,230	2,726,152
Total Loans	2,696,072	2,733,267
30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	2,756	3,313
90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	3,086	3,802
Commercial Loans
Financing Receivable, Past Due [Line Items]
Total Loans	2,019,295	1,968,035
Commercial Loans | PPP
Financing Receivable, Past Due [Line Items]
Past Due	20	0
Current	19,024	46,650
Total Loans	19,044	46,650
Commercial Loans | 30-89 Days | PPP
Financing Receivable, Past Due [Line Items]
Past Due	20	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	298	2,076
Current	1,113,032	1,140,200
Total Loans	1,113,330	1,142,276
Commercial Loans | Commercial real estate | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	56	396
Commercial Loans | Commercial real estate | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	242	1,680
Commercial Loans | Construction and development
Financing Receivable, Past Due [Line Items]
Past Due	253	37
Current	226,186	179,390
Total Loans	226,439	179,427
Commercial Loans | Construction and development | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Commercial Loans | Construction and development | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	253	37
Commercial Loans | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Past Due	905	653
Current	161,491	140,688
Total Loans	162,396	141,341
Commercial Loans | Commercial and industrial | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	345	634
Commercial Loans | Commercial and industrial | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	560	19
Commercial Loans | Equipment finance
Financing Receivable, Past Due [Line Items]
Past Due	183	347
Current	366,825	317,573
Total Loans	367,008	317,920
Commercial Loans | Equipment finance | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	90	0
Commercial Loans | Equipment finance | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	93	347
Commercial Loans | Municipal finance
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Current	131,078	140,421
Total Loans	131,078	140,421
Commercial Loans | Municipal finance | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Commercial Loans | Municipal finance | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	0	0
Retail Consumer Loans
Financing Receivable, Past Due [Line Items]
Total Loans	676,777	765,232
Retail Consumer Loans | One-to-four family
Financing Receivable, Past Due [Line Items]
Past Due	2,500	2,236
Current	354,350	404,313
Total Loans	356,850	406,549
Retail Consumer Loans | One-to-four family | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	1,007	1,112
Retail Consumer Loans | One-to-four family | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	1,493	1,124
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Past Due [Line Items]
Past Due	358	476
Current	127,831	129,749
Total Loans	128,189	130,225
Retail Consumer Loans | HELOCs - originated | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	86	290
Retail Consumer Loans | HELOCs - originated | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	272	186
Retail Consumer Loans | HELOCs - purchased
Financing Receivable, Past Due [Line Items]
Past Due	346	277
Current	30,449	38,699
Total Loans	30,795	38,976
Retail Consumer Loans | HELOCs - purchased | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	346	198
Retail Consumer Loans | HELOCs - purchased | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	0	79
Retail Consumer Loans | Construction and land/lots
Financing Receivable, Past Due [Line Items]
Past Due	145	41
Current	69,108	65,986
Total Loans	69,253	66,027
Retail Consumer Loans | Construction and land/lots | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	123	6
Retail Consumer Loans | Construction and land/lots | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	22	35
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Past Due [Line Items]
Past Due	456	558
Current	84,125	114,535
Total Loans	84,581	115,093
Retail Consumer Loans | Indirect auto finance | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	346	299
Retail Consumer Loans | Indirect auto finance | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	110	259
Retail Consumer Loans | Consumer
Financing Receivable, Past Due [Line Items]
Past Due	378	414
Current	6,731	7,948
Total Loans	7,109	8,362
Retail Consumer Loans | Consumer | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past Due	337	378
Retail Consumer Loans | Consumer | 90 Days+
Financing Receivable, Past Due [Line Items]
Past Due	$ 41	$ 36

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses on Loans - Schedule of Past Due Loans Still Accruing and Nonaccruing Interest (Details) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2021	Jun. 30, 2021
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	$ 6,158	$ 12,606
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	966
Interest income recognized	96
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	1,244	7,015
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	0
Interest income recognized	24
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	355	482
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	0
Interest income recognized	4
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	923	49
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	67
Interest income recognized	17
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	328	630
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	0
Interest income recognized	1
Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	38	0
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	0
Interest income recognized	2
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	2,127	2,625
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	540
Interest income recognized	27
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	352	476
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	0
Interest income recognized	3
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	452	453
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	359
Interest income recognized	11
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	22	22
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	0
Interest income recognized	0
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	272	438
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	0
Interest income recognized	5
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Nonaccrual loans	45	$ 416
90 Days + & still accruing as of December 31, 2021	0
Nonaccrual with no allowance as of December 31, 2021	0
Interest income recognized	$ 2

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses on Loans - Narrative (Details) $ in Thousands	6 Months Ended
	Dec. 31, 2021USD ($)loan	Jun. 30, 2021USD ($)
Accounts, Notes, Loans and Financing Receivable
Number of loans | loan	2
Financing receivable, nonaccrual, payoffs and charge offs	$ 5,100
Reserve for credit losses for off-balance sheet credit exposures included in other liabilities	2,088
Payment deferral amount	652	$ 107
Coronavirus Aid, Relief, And Economic Securities Act, Short-Term Modifications | Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Amount of loans on interest-only payments	15,604	78,850
Performing financing receivable
Accounts, Notes, Loans and Financing Receivable
Performing restructured loans included in impaired loans	$ 11,048	$ 11,088

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses on Loans - Breakdown of Provision (Benefit) For Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Provision (benefit) for credit losses:
Loans	$ (2,440)	$ (3,350)	$ (3,775)	$ (2,400)
Off-balance-sheet credit exposure	(110)	140	(235)	140
Commercial paper	50	180	50	180
Total provision (benefit) for credit losses	$ (2,500)	$ (3,030)	$ (3,960)	$ (2,080)

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses on Loans - Schedule of Allowance for Credit Losses on Financing Receivables Table (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 34,406	$ 43,132	$ 35,468	$ 28,072
Provision (benefit) for credit losses	(2,440)	(3,350)	(3,775)	(2,400)
Charge-offs	(1,147)	(561)	(1,856)	(2,338)
Recoveries	114	623	1,096	1,701
Net (charge-offs) recoveries	(1,033)	62	(760)	(637)
Balance at end of period	30,933	39,844	30,933	39,844
Cumulative-effect adjustment due to the adoption of ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period				14,809
Commercial Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	24,204	25,199	24,746	21,116
Provision (benefit) for credit losses	(140)	(292)	(763)	0
Charge-offs	(1,131)	(308)	(1,750)	(1,403)
Recoveries	35	300	735	1,113
Net (charge-offs) recoveries	(1,096)	(8)	(1,015)	(290)
Balance at end of period	22,968	24,899	22,968	24,899
Commercial Loans | Cumulative-effect adjustment due to the adoption of ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period				4,073
Retail Consumer Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	10,202	17,933	10,722	6,956
Provision (benefit) for credit losses	(2,300)	(3,058)	(3,012)	(2,400)
Charge-offs	(16)	(253)	(106)	(935)
Recoveries	79	323	361	588
Net (charge-offs) recoveries	63	70	255	(347)
Balance at end of period	$ 7,965	$ 14,945	$ 7,965	14,945
Retail Consumer Loans | Cumulative-effect adjustment due to the adoption of ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period				$ 10,736

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses on Loans - Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	$ 678		$ 467
Allowance for credit losses, Loans collectively evaluated	30,255		35,001
Allowance for credit losses, Total	30,933	$ 34,406	35,468	$ 39,844	$ 43,132	$ 28,072
Total loans receivable, Loans individually evaluated for impairment	5,252		8,821
Total loans receivable, Loans collectively evaluated	2,690,820		2,724,446
Total loans receivable	2,696,072		2,733,267
Commercial Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total	22,968	24,204	24,746	24,899	25,199	21,116
Total loans receivable	2,019,295		1,968,035
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	19,044		46,650
Total loans receivable	19,044		46,650
Commercial Loans | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	2		456
Allowance for credit losses, Loans collectively evaluated	11,065		12,826
Allowance for credit losses, Total	11,067		13,282
Total loans receivable, Loans individually evaluated for impairment	580		5,729
Total loans receivable, Loans collectively evaluated	1,112,750		1,136,547
Total loans receivable	1,113,330		1,142,276
Commercial Loans | Construction and development
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	1,684		1,801
Allowance for credit losses, Total	1,684		1,801
Total loans receivable, Loans individually evaluated for impairment	0		80
Total loans receivable, Loans collectively evaluated	226,439		179,347
Total loans receivable	226,439		179,427
Commercial Loans | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	674		9
Allowance for credit losses, Loans collectively evaluated	2,566		2,583
Allowance for credit losses, Total	3,240		2,592
Total loans receivable, Loans individually evaluated for impairment	2,172		760
Total loans receivable, Loans collectively evaluated	160,224		140,581
Total loans receivable	162,396		141,341
Commercial Loans | Equipment 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	6,520		6,537
Allowance for credit losses, Total	6,520		6,537
Total loans receivable, Loans individually evaluated for impairment	0		275
Total loans receivable, Loans collectively evaluated	367,008		317,645
Total loans receivable	367,008		317,920
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	457		534
Allowance for credit losses, Total	457		534
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	131,078		140,421
Total loans receivable	131,078		140,421
Retail Consumer Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Total	7,965	$ 10,202	10,722	$ 14,945	$ 17,933	$ 6,956
Total loans receivable	676,777		765,232
Retail Consumer Loans | One-to-four family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, Loans individually evaluated for impairment	2		2
Allowance for credit losses, Loans collectively evaluated	3,632		5,407
Allowance for credit losses, Total	3,634		5,409
Total loans receivable, Loans individually evaluated for impairment	2,500		1,977
Total loans receivable, Loans collectively evaluated	354,350		404,572
Total loans receivable	356,850		406,549
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	1,272		1,512
Allowance for credit losses, Total	1,272		1,512
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	128,189		130,225
Total loans receivable	128,189		130,225
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	306		452
Allowance for credit losses, Total	306		452
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	30,795		38,976
Total loans receivable	30,795		38,976
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	705		812
Allowance for credit losses, Total	705		812
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	69,253		66,027
Total loans receivable	69,253		66,027
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	1,929		2,367
Allowance for credit losses, Total	1,929		2,367
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	84,581		115,093
Total loans receivable	84,581		115,093
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	119		170
Allowance for credit losses, Total	119		170
Total loans receivable, Loans individually evaluated for impairment	0		0
Total loans receivable, Loans collectively evaluated	7,109		8,362
Total loans receivable	$ 7,109		$ 8,362

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses on Loans - Breakdown Between Loans Identified as CDAs and Non-CDAs (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	$ 2,696,072	$ 2,733,267
Commercial Loans
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	2,019,295	1,968,035
Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	19,044	46,650
Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,113,330	1,142,276
Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	226,439	179,427
Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	162,396	141,341
Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	367,008	317,920
Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	131,078	140,421
Retail Consumer Loans
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	676,777	765,232
Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	356,850	406,549
Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	128,189	130,225
Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	30,795	38,976
Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	69,253	66,027
Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	84,581	115,093
Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	7,109	8,362
Residential Property
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,335	807
Total Collateral Value	1,825	1,160
Residential Property | Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,335	807
Residential Property | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Residential Property | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	3,501
Total Collateral Value	0	3,602
Investment Property | Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	3,421
Investment Property | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	80
Investment Property | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Investment Property | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	578	2,308
Total Collateral Value	1,044	2,723
Commercial Property | Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	578	2,308
Commercial Property | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Commercial Property | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	650	25
Total Collateral Value	0	26
Business Assets | Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	650	25
Business Assets | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Business Assets | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	0	0
Financial Assets Not Considered Collateral Dependent
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	2,693,509	2,726,626
Financial Assets Not Considered Collateral Dependent | Commercial Loans | PPP
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	19,044	46,650
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	1,112,752	1,136,547
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Construction and development
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	226,439	179,347
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	161,746	141,316
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Equipment finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	367,008	317,920
Financial Assets Not Considered Collateral Dependent | Commercial Loans | Municipal finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	131,078	140,421
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	355,515	405,742
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | HELOCs - originated
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	128,189	130,225
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | HELOCs - purchased
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	30,795	38,976
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Construction and land/lots
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	69,253	66,027
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Indirect auto finance
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	84,581	115,093
Financial Assets Not Considered Collateral Dependent | Retail Consumer Loans | Consumer
Accounts, Notes, Loans and Financing Receivable
Total loans receivable	$ 7,109	$ 8,362

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses on Loans - Schedule of Debt Restructurings on Financing Receivables (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan
Financing Receivable, Modifications
Number of loans | loan	4	5,000	10,000	12
Pre-modification outstanding recorded investment	$ 266	$ 289	$ 367	$ 4,793
Post-modification outstanding recorded investment	$ 263	$ 282	$ 362	$ 4,148
Commercial Loans | Other TDR | Commercial real estate
Financing Receivable, Modifications
Number of loans | loan			0	1
Pre-modification outstanding recorded investment			$ 0	$ 4,408
Post-modification outstanding recorded investment			$ 0	$ 3,800
Retail Consumer Loans | One-to-four family
Financing Receivable, Modifications
Number of loans | loan	3	1,000	3,000	1
Pre-modification outstanding recorded investment	$ 215	$ 19	$ 215	$ 19
Post-modification outstanding recorded investment	$ 212	$ 16	$ 212	$ 16
Retail Consumer Loans | HELOCs - originated
Financing Receivable, Modifications
Number of loans | loan	1	0	2,000	0
Pre-modification outstanding recorded investment	$ 51	$ 0	$ 68	$ 0
Post-modification outstanding recorded investment	$ 51	$ 0	$ 70	$ 0
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Modifications
Number of loans | loan	0	3,000	5,000	9
Pre-modification outstanding recorded investment	$ 0	$ 45	$ 84	$ 141
Post-modification outstanding recorded investment	$ 0	$ 43	$ 80	$ 109
Retail Consumer Loans | Other TDR | Construction and land/lots
Financing Receivable, Modifications
Number of loans | loan	0	1,000	0	1
Pre-modification outstanding recorded investment	$ 0	$ 225	$ 0	$ 225
Post-modification outstanding recorded investment	$ 0	$ 223	$ 0	$ 223

Loans and Allowance for Cred_13

Loans and Allowance for Credit Losses on Loans - Schedule of Troubled Debt Restructurings With Payment Default (Details) - Other TDR $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan
Financing Receivable, Modifications
Number of loans | loan	0	1	2	2
Recorded investment | $	$ 0	$ 1	$ 44	$ 12
Retail Consumer Loans | Indirect auto finance
Financing Receivable, Modifications
Number of loans | loan	0	1	2	2
Recorded investment | $	$ 0	$ 1	$ 44	$ 12

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, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Numerator:
Net income	$ 11,078	$ 9,461	$ 21,605	$ 15,214
Allocation of earnings to participating securities	(94)	(77)	(182)	(124)
Numerator for basic EPS - Net income available to common stockholders	10,984	9,384	21,423	15,090
Dilutive effect of participating securities	2	1	4	2
Numerator for diluted EPS	$ 10,986	$ 9,385	$ 21,427	$ 15,092
Denominator:
Weighted-average common shares outstanding - basic (in shares)	15,632,283	16,202,844	15,696,765	16,216,917
Dilutive effect of assumed exercises of stock options (in shares)	357,323	360,515	360,842	297,914
Weighted-average common shares outstanding - diluted (in shares)	15,989,606	16,563,359	16,057,607	16,514,831
Net income per share - basic (in dollars per share)	$ 0.70	$ 0.58	$ 1.36	$ 0.93
Net income per share - diluted (in dollars per share)	$ 0.68	$ 0.57	$ 1.33	$ 0.92

Net Income per Share - Antidilu

Net Income per Share - Antidilutive Stock Options (Details) - shares	3 Months Ended		6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	41,000	512,200	56,000,000	547,200,000

Equity Incentive Plan - Narrati

Equity Incentive Plan - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	Jan. 17, 2013	Dec. 31, 2021	Dec. 31, 2020	Mar. 31, 2014	Jun. 30, 2021	Jun. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Equity incentive plan name	2013 Omnibus Incentive Plan
Granted (in shares)		0	0
Nonvested, number of shares (in shares)		225,550	290,900
Remaining contractual life (years)		4 years 1 month 6 days	3 years 9 months 18 days		3 years 10 months 24 days	4 years 4 months 24 days
Options outstanding (in shares)			290,900
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost not yet recognized		$ 894	$ 1,297
Remaining contractual life (years)		5 years	5 years
Compensation cost not yet recognized, period for recognition (in years)		1 year 1 month 6 days	1 year 3 months 18 days
Performance Restricted Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		3 years
Non-vested (in shares)		23,662	15,565
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 3 months 18 days	1 year 4 months 24 days
Compensation not yet recognized, share-based awards other than options		$ 2,043	$ 2,250
Non-vested (in shares)		133,257	133,796		151,575	144,046
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
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
Shares repurchased, amount				$ 13,297
Shares repurchased, average cost per share (in usd per share)				$ 15.71

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, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Share-based Payment Arrangement [Abstract]
Share-based compensation expense	$ 485	$ 454	$ 900	$ 960
Tax benefit	$ 114	$ 107	$ 212	$ 226

Equity Incentive Plan - Stock O

Equity Incentive Plan - Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	6 Months Ended		12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Jun. 30, 2021	Jun. 30, 2020
Options
Options Outstanding, Beginning of Period (in shares)	1,319,456	1,615,500	1,615,500
Exercised (in shares)	347,800	54,000
Forfeited (in shares)	18,600	26,900
Options Outstanding, End of period (in shares)	953,056	1,534,600	1,319,456	1,615,500
Exercisable (in shares)	727,506	1,243,700
Weighted- Average Exercise Price
Options Outstanding, Beginning of Period (in usd per share)	$ 19.07	$ 18.12	$ 18.12
Exercised (in usd per share)	14.50	14.37
Forfeited (in usd per share)	23.06	25.77
Options Outstanding, End of Period (in usd per share)	20.65	18.12	$ 19.07	$ 18.12
Exercisable (in usd per share)	$ 19.12	$ 16.35
Remaining contractual life (years)	4 years 1 month 6 days	3 years 9 months 18 days	3 years 10 months 24 days	4 years 4 months 24 days
Exercisable (in years)	3 years 2 months 12 days	3 years
Aggregate intrinsic value	$ 9,840	$ 5,070	$ 11,657	$ 1,711
Aggregate intrinsic value	$ 8,631	$ 5,027
Non-vested Options
Nonvested, number of shares (in shares)	225,550	290,900
Nonvested, weighted average grant date fair value (in dollars per share)	$ 25.62	$ 25.67
Nonvested, contractual term (in years)	6 years 10 months 24 days	7 years 3 months 18 days
Nonvested, intrinsic value	$ 1,210	$ 42

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, 2021	Dec. 31, 2020	Jun. 30, 2021	Jun. 30, 2020
Weighted- Average Grant Date Fair Value
Aggregate intrinsic value	$ 8,631	$ 5,027
Restricted Stock
Restricted Stock Awards
Non-vested, Beginning Balance (in shares)	151,575	144,046
Vested (in shares)	8,918	2,600
Forfeited (in shares)	9,400	7,650
Non-vested, Ending Balance (in shares)	133,257	133,796
Weighted- Average Grant Date Fair Value
Non-vested, Beginning Balance (in usd per share)	$ 25.06	$ 25.89
Vested (in usd per share)	26.93	25.37
Forfeitures (in dollars per share)	24.57	25.65
Non-vested, Ending Balance (in usd per share)	$ 25.06	$ 25.91
Aggregate intrinsic value	$ 4,128	$ 2,584	$ 4,229	$ 2,305

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2021	Jun. 30, 2021
Other Commitments
Unused commitments to extend credit	$ 78,875	$ 123,463
Variable rate commitments	22,199	45,270
Fixed rate commitments	56,676	78,193
Remaining borrowing capacity	539,778	530,505
Letters of credit outstanding	$ 9,496	$ 8,681
Minimum
Other Commitments
Fixed interest rate (as a percent)	1.08%	2.50%
Loan Commitments Terms		3 years
Maximum
Other Commitments
Fixed interest rate (as a percent)	8.56%	8.36%
Loan Commitments Terms		30 years
Construction and development
Other Commitments
Unused commitments to extend credit	$ 201,032	$ 277,600

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, 2021	Jun. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 121,851	$ 156,459
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	121,851	156,459
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	18,933	19,073
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	18,933	19,073
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
MBS, residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	38,185	43,404
MBS, residential | 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
MBS, residential | 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	38,185	43,404
MBS, residential | 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	7,249	9,551
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	7,249	9,551
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	57,484	84,431
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	57,484	84,431
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, 2021	Jun. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	$ 288	$ 5,116
Commercial Loans | Commercial Property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	288	4,841
Commercial Loans | Commercial and industrial
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	275
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 1 | Commercial Loans | Commercial Property
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 | Commercial Loans | Commercial and industrial
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	0	0
Fair Value, Inputs, Level 2 | Commercial Loans | Commercial Property
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 | Commercial Loans | Commercial and industrial
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 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	288	5,116
Fair Value, Inputs, Level 3 | Commercial Loans | Commercial Property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets measured at fair value on a non-recurring basis	288	4,841
Fair Value, Inputs, Level 3 | Commercial Loans | Commercial and industrial
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	$ 275

Fair Value of Financial Instr_5

Fair Value of Financial Instruments - Schedule of Fair Value, by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Fair Value, Inputs, Level 1 | Cash and interest-bearing deposits
Financial Instruments Owned	$ 34,826	$ 50,990
Fair Value, Inputs, Level 1 | Commercial paper
Financial Instruments Owned	254,157	189,596
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 held for sale
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 1 | Loans, net
Financial Instruments Owned	0	0
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	52
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	34,002	40,122
Fair Value, Inputs, Level 2 | Securities available for sale
Financial Instruments Owned	121,851	156,459
Fair Value, Inputs, Level 2 | Loans held for sale
Financial Instruments Owned	0	0
Fair Value, Inputs, Level 2 | Loans, net
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	640	542
Fair Value, Inputs, Level 2 | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,321,502	1,281,372
Fair Value, Inputs, Level 2 | Money market accounts
Financial Instruments Owned	1,010,901	975,001
Fair Value, Inputs, Level 2 | Savings accounts
Financial Instruments Owned	224,474	226,391
Fair Value, Inputs, Level 2 | Certificates of deposit
Financial Instruments Owned	441,568	474,397
Fair Value, Inputs, Level 2 | Other borrowings
Financial Instruments Owned	47,998	115,000
Fair Value, Inputs, Level 2 | Accrued interest payable
Financial Instruments Owned	42	52
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 held for sale
Financial Instruments Owned	103,317	94,779
Fair Value, Inputs, Level 3 | Loans, net
Financial Instruments Owned	2,625,236	2,668,570
Fair Value, Inputs, Level 3 | Small Business Investment Company Funds
Financial Instruments Owned	11,749	10,171
Fair Value, Inputs, Level 3 | Accrued interest receivable
Financial Instruments Owned	7,560	7,339
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	34,826	50,990
Carrying Value | Commercial paper
Financial Instruments Owned	254,157	189,596
Carrying Value | Certificates of deposit in other banks
Financial Instruments Owned	34,002	40,122
Carrying Value | Securities available for sale
Financial Instruments Owned	121,851	156,459
Carrying Value | Loans held for sale
Financial Instruments Owned	102,070	93,539
Carrying Value | Loans, net
Financial Instruments Owned	2,665,139	2,697,799
Carrying Value | FHLB Stock
Financial Instruments Owned	2,965	6,153
Carrying Value | FRB Stock
Financial Instruments Owned	7,403	7,386
Carrying Value | Small Business Investment Company Funds
Financial Instruments Owned	11,749	10,171
Carrying Value | Accrued interest receivable
Financial Instruments Owned	8,200	7,933
Carrying Value | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,321,502	1,281,372
Carrying Value | Money market accounts
Financial Instruments Owned	1,010,901	975,001
Carrying Value | Savings accounts
Financial Instruments Owned	224,474	226,391
Carrying Value | Certificates of deposit
Financial Instruments Owned	441,814	472,777
Carrying Value | Other borrowings
Financial Instruments Owned	48,000	115,000
Carrying Value | Accrued interest payable
Financial Instruments Owned	42	52
Fair Value | Cash and interest-bearing deposits
Financial Instruments Owned	34,826	50,990
Fair Value | Commercial paper
Financial Instruments Owned	254,157	189,596
Fair Value | Certificates of deposit in other banks
Financial Instruments Owned	34,002	40,122
Fair Value | Securities available for sale
Financial Instruments Owned	121,851	156,459
Fair Value | Loans held for sale
Financial Instruments Owned	103,317	94,779
Fair Value | Loans, net
Financial Instruments Owned	2,625,236	2,668,570
Fair Value | Small Business Investment Company Funds
Financial Instruments Owned	11,749	10,171
Fair Value | Accrued interest receivable
Financial Instruments Owned	8,200	7,933
Fair Value | Noninterest-bearing and NOW deposits
Financial Instruments Owned	1,321,502	1,281,372
Fair Value | Money market accounts
Financial Instruments Owned	1,010,901	975,001
Fair Value | Savings accounts
Financial Instruments Owned	224,474	226,391
Fair Value | Certificates of deposit
Financial Instruments Owned	441,568	474,397
Fair Value | Other borrowings
Financial Instruments Owned	47,998	115,000
Fair Value | Accrued interest payable
Financial Instruments Owned	$ 42	$ 52

Fair Value of Financial Instr_6

Fair Value of Financial Instruments - Narrative (Details) $ in Thousands	Dec. 31, 2021USD ($)	Jun. 30, 2021USD ($)
Fair Value off-balance sheet risks, amount, liability	$ 829,181	$ 940,249
Minimum | Fair Value, Inputs, Level 3 | Real Estate Loans | Collateral discounts
Level 3 fair value measurements during the period	0.08
Minimum | Fair Value, Inputs, Level 3 | Real Estate Loans | Discount Spread
Level 3 fair value measurements during the period	0.05
Maximum | Fair Value, Inputs, Level 3 | Real Estate Loans | Collateral discounts
Level 3 fair value measurements during the period	0.12
Maximum | Fair Value, Inputs, Level 3 | Real Estate Loans | Discount Spread
Level 3 fair value measurements during the period	0.15

Leases - Supplement Balance She

Leases - Supplement Balance Sheet (Details) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Jun. 30, 2021
Leases [Abstract]
Renewal term (in years)	15 years
ROU assets	$ 5,178		$ 5,498
Lease liabilities	$ 5,941		$ 5,926
Weighted-average remaining lease terms (years)	10 years 5 months 26 days		9 years 5 months 26 days
Weighted-average discount rate	3.21%		3.18%
Finance lease, right-of-use asset	$ 2,052		$ 2,052
Finance lease, liability	1,783		$ 1,804
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, 2021	Jun. 30, 2021
Operating Leases
Remaining 2022	$ 592
2023	1,166
2024	854
2025	630
2026	512
Thereafter	3,216
Total lease liability	6,970
Less: amount representing interest	(1,029)
Lease liabilities	5,941	$ 5,926
Finance Leases
Remaining 2022	67
2023	134
2024	145
2025	146
2026	146
Thereafter	1,702
Total undiscounted minimum lease payments	2,340
Less: amount representing interest	(557)
Total lease liability	$ 1,783	$ 1,804

Leases - Schedule of Lease Cost

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating lease cost (included in occupancy expense, net)	$ 328	$ 342	$ 723	$ 681
Variable lease cost (included in occupancy expense, net)	55	61	116	122
Sublease income (included in other, noninterest income)	(47)	(57)	(94)	(114)
Total operating lease expense, net	$ 336	$ 346	$ 745	$ 689

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
ROU assets - noncash additions (operating leases)	$ 946	$ 597
Cash paid for amounts included in the measurement of lease liabilities (operating leases)	797	1,055
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, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Jun. 30, 2021
Lessor, Lease, Description [Line Items]
Leased asset	$ 23,869		$ 23,869		$ 25,932
Operating lease, residual value of leased asset	14,800		14,800		15,330
Direct financing lease, interest income	753	$ 570	1,512	$ 1,099
Direct financing lease, lease receivable	$ 62,900		$ 62,900		$ 63,300
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, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating lease income	$ 1,718	$ 1,349	$ 3,258	$ 2,675
Depreciation expense	$ 1,497	$ 1,413	$ 2,882	$ 2,954

Leases - Lessor, Fiscal Year Ma

Leases - Lessor, Fiscal Year Maturity Schedule (Details) $ in Thousands	Dec. 31, 2021USD ($)
Lessor, Operating Lease, Payments, Fiscal Year Maturity [Abstract]
Remaining 2022	$ 3,022
2023	4,825
2024	2,732
2025	778
2026	246
Thereafter	13
Total of future minimum lease payments	11,616
Financing Leases
Remaining 2022	9,609
2023	20,469
2024	17,393
2025	12,141
2026	7,546
Thereafter	3,437
Total undiscounted minimum lease payments	70,595
Less: amount representing interest	(7,740)
Total lease receivable	$ 62,855

Uncategorized Items - htbi-2021

Label	Element	Value
Accounting Standards Update [Extensible List]	us-gaap_AccountingStandardsUpdateExtensibleList	us-gaap:AccountingStandardsUpdate201613Member