As of

December 31,

June 30,

 

2025

 

2025

Right-of-use assets (included in premises and equipment on consolidated balance sheets)

$

386,257

$

443,111

Lease liabilities (included in other liabilities on consolidated balance sheets)

383,189

439,928

Weighted average remaining lease term

4.8 years

4.73 years

Weighted average discount rate

3.13%

2.99%

Three Months

Six Months

Ended

December 31,

2025

2024

2025

2024

Operating lease costs

$

32,003

$

55,383

$

64,006

$

87,297

Short-term lease costs

10,120

10,070

19,990

19,640

Total lease costs

$

42,123

$

65,453

$

83,996

$

106,937

Cash paid for amounts included in measurement of lease liabilities

$

31,946

$

31,281

$

63,892

$

62,562

As of December 31, 2025, future maturities of the lease liabilities described above are as follows for each of the respective future fiscal years:

As of

December 31,

2025

Year ending June 30, 2026

$

64,088

Year ending June 30, 2027

118,710

Year ending June 30, 2028

48,620

Year ending June 30, 2029

43,200

Year ending June 30, 2030

43,200

Thereafter

100,800

Total

418,618

Less: Present value discount

35,429

Lease liabilities

$

383,189