v3.25.4
NET LOANS RECEIVABLE - Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2025
Dec. 31, 2024
Jun. 30, 2024
Allowance for loan losses          
Allowance for loan losses at beginning of period   $ 22,469     $ 22,469
Allowance for credit losses - loans          
Beginning Balance $ 21,801   $ 21,754 $ 21,362  
Provisions (25) 1,575 3,646   2,163
Charge-offs (256) (426) (232)   (610)
Recoveries 234 55 137   90
Ending Balance 21,754 21,362 25,305 21,754 21,801
Allowance for credit losses - off-balance sheet credit exposures          
Beginning Balance 1,899   2,190 1,681  
Provisions 291 57 (187)   275
Ending Balance 2,190 1,681 2,003 2,190 1,899
Total allowance for credit losses          
Beginning Balance 23,700 22,469 23,944 23,043 22,469
Provisions 266 1,632 3,459   2,438
Charge-offs (256) (426) (232)   (610)
Recoveries 234 55 137   90
Ending Balance 23,944 23,043 27,308 23,944 23,700
Cumulative effect of change in accounting principle - Current Expected Credit Losses          
Allowance for loan losses          
Allowance for loan losses at beginning of period   (2,311)     (2,311)
Allowance for credit losses - off-balance sheet credit exposures          
Beginning Balance   1,624     1,624
Total allowance for credit losses          
Beginning Balance   (687)     (687)
Commercial          
Allowance for loan losses          
Allowance for loan losses at beginning of period   14,288     14,288
Allowance for credit losses - loans          
Beginning Balance 12,504   12,067 12,674  
Provisions (540) (5) 2,694   (205)
Charge-offs (111) (345) (96)   (345)
Recoveries 214 43 44   73
Ending Balance 12,067 12,674 14,709 12,067 12,504
Commercial | Cumulative effect of change in accounting principle - Current Expected Credit Losses          
Allowance for loan losses          
Allowance for loan losses at beginning of period   (1,307)     (1,307)
Residential mortgages          
Allowance for loan losses          
Allowance for loan losses at beginning of period   6,222     6,222
Allowance for credit losses - loans          
Beginning Balance 7,706   7,930 6,970  
Provisions 269 1,418 863   2,272
Charge-offs (45)   (4) (45) (118)
Recoveries     48    
Ending Balance 7,930 6,970 8,837 7,930 7,706
Residential mortgages | Cumulative effect of change in accounting principle - Current Expected Credit Losses          
Allowance for loan losses          
Allowance for loan losses at beginning of period   (670)     (670)
Home equity loans and lines of credit          
Allowance for loan losses          
Allowance for loan losses at beginning of period   1,470     1,470
Allowance for credit losses - loans          
Beginning Balance 1,244   1,185 1,339  
Provisions (59) 145 (20)   48
Charge-offs   (12) (23)   (12)
Recoveries   1 12   3
Ending Balance 1,185 1,339 1,154 1,185 1,244
Home equity loans and lines of credit | Cumulative effect of change in accounting principle - Current Expected Credit Losses          
Allowance for loan losses          
Allowance for loan losses at beginning of period   (265)     (265)
Consumer          
Allowance for loan losses          
Allowance for loan losses at beginning of period   489     489
Allowance for credit losses - loans          
Beginning Balance 347   572 379  
Provisions 305 17 109   48
Charge-offs (100) (69) (109) (100) (135)
Recoveries 20 11 33   14
Ending Balance $ 572 379 $ 605 $ 572 347
Consumer | Cumulative effect of change in accounting principle - Current Expected Credit Losses          
Allowance for loan losses          
Allowance for loan losses at beginning of period   $ (69)     $ (69)