v3.25.4
NET LOANS RECEIVABLE - Risk (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
Term Loans Amortized Cost Basis by Origination Year          
Ending balance $ 1,456,329   $ 1,671,560 $ 1,456,329  
Current Period Gross Charge-offs          
Total 256 $ 426 232   $ 610
Commercial          
Term Loans Amortized Cost Basis by Origination Year          
Ending balance 654,268   761,068 654,268  
Current Period Gross Charge-offs          
Total 111 345 96   345
Commercial | Real estate          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 11,873     11,873  
2025/2024 33,387   58,001 33,387  
2024 Transition Period     13,931    
2024/2023 46,482   49,810 46,482  
2023/2022 57,159   44,172 57,159  
2022/2021 22,212   55,075 22,212  
Prior 242,099   243,638 242,099  
Revolving Loans Amortized Cost Basis 1,623   1,822 1,623  
Ending balance 414,835   466,449 414,835  
Current Period Gross Charge-offs          
2022/2021     69    
Total     69    
Commercial | Real estate | Pass          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 11,873     11,873  
2025/2024 33,387   58,001 33,387  
2024 Transition Period     13,931    
2024/2023 46,482   49,810 46,482  
2023/2022 54,961   43,497 54,961  
2022/2021 22,212   53,003 22,212  
Prior 223,547   221,781 223,547  
Revolving Loans Amortized Cost Basis 531   804 531  
Ending balance 392,993   440,827 392,993  
Commercial | Real estate | Special Mention          
Term Loans Amortized Cost Basis by Origination Year          
2023/2022     451    
Prior 4,918   5,571 4,918  
Ending balance 4,918   6,022 4,918  
Commercial | Real estate | Substandard          
Term Loans Amortized Cost Basis by Origination Year          
2023/2022 2,198   224 2,198  
2022/2021     2,072    
Prior 13,634   15,442 13,634  
Revolving Loans Amortized Cost Basis 1,092   1,018 1,092  
Ending balance 16,924   18,756 16,924  
Commercial | Real estate | Doubtful          
Term Loans Amortized Cost Basis by Origination Year          
Prior     844    
Ending balance     844    
Commercial | Commercial and industrial          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 11,089     11,089  
2025/2024 13,794   31,169 13,794  
2024 Transition Period     9,030    
2024/2023 5,472   12,433 5,472  
2023/2022 4,392   3,588 4,392  
2022/2021 2,459   2,545 2,459  
Prior 11,775   10,894 11,775  
Revolving Loans Amortized Cost Basis 59,493   55,236 59,493  
Ending balance 108,474   124,895 108,474  
Current Period Gross Charge-offs          
2022/2021       21  
Prior     27 66  
Revolving Loans Amortized Cost Basis       24  
Total     27 111  
Commercial | Commercial and industrial | Pass          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 11,089     11,089  
2025/2024 13,794   31,169 13,794  
2024 Transition Period     9,030    
2024/2023 5,472   12,433 5,472  
2023/2022 4,377   3,588 4,377  
2022/2021 2,459   2,533 2,459  
Prior 9,354   7,307 9,354  
Revolving Loans Amortized Cost Basis 59,342   55,233 59,342  
Ending balance 105,887   121,293 105,887  
Commercial | Commercial and industrial | Special Mention          
Term Loans Amortized Cost Basis by Origination Year          
Prior     1,382    
Ending balance     1,382    
Commercial | Commercial and industrial | Substandard          
Term Loans Amortized Cost Basis by Origination Year          
2023/2022 15     15  
2022/2021     12    
Prior 2,304   2,130 2,304  
Revolving Loans Amortized Cost Basis 151   3 151  
Ending balance 2,470   2,145 2,470  
Commercial | Commercial and industrial | Doubtful          
Term Loans Amortized Cost Basis by Origination Year          
Prior 117   75 117  
Ending balance 117   75 117  
Commercial | Construction          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 19,210     19,210  
2025/2024 51,227   34,766 51,227  
2024 Transition Period     49,481    
2024/2023 8,814   46,500 8,814  
2023/2022 31,700   5,237 31,700  
2022/2021 17,582   18,007 17,582  
Prior 1,489   15,733 1,489  
Revolving Loans Amortized Cost Basis 937     937  
Ending balance 130,959   169,724 130,959  
Commercial | Construction | Pass          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 19,210     19,210  
2025/2024 51,227   34,766 51,227  
2024 Transition Period     49,481    
2024/2023 8,814   46,500 8,814  
2023/2022 31,700   5,237 31,700  
2022/2021 17,582   18,007 17,582  
Prior 1,489   15,733 1,489  
Revolving Loans Amortized Cost Basis 937     937  
Ending balance 130,959   169,724 130,959  
Residential mortgages          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 71,164     71,164  
2025/2024 187,372   144,861 187,372  
2024 Transition Period     88,510    
2024/2023 199,642   172,519 199,642  
2023/2022 41,633   180,530 41,633  
2022/2021 54,754   38,595 54,754  
Prior 134,890   168,523 134,890  
Revolving Loans Amortized Cost Basis 114   119 114  
Ending balance 689,569   793,657 689,569  
Current Period Gross Charge-offs          
2024/2023       41  
2023/2022     4    
Prior       4  
Total 45   4 45 118
Residential mortgages | Performing          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 71,164     71,164  
2025/2024 187,372   144,861 187,372  
2024 Transition Period     88,510    
2024/2023 198,502   172,024 198,502  
2023/2022 41,117   179,426 41,117  
2022/2021 54,754   38,112 54,754  
Prior 132,419   166,745 132,419  
Revolving Loans Amortized Cost Basis 114   119 114  
Ending balance 685,442   789,797 685,442  
Residential mortgages | Non-performing          
Term Loans Amortized Cost Basis by Origination Year          
2024/2023 1,140   495 1,140  
2023/2022 516   1,104 516  
2022/2021     483    
Prior 2,471   1,778 2,471  
Ending balance 4,127   3,860 4,127  
Home equity loans and lines of credit          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 2,465     2,465  
2025/2024 6,219   2,791 6,219  
2024 Transition Period     2,214    
2024/2023 5,949   5,178 5,949  
2023/2022 9,050   5,141 9,050  
2022/2021 3,209   8,088 3,209  
Prior 13,755   14,441 13,755  
Revolving Loans Amortized Cost Basis 52,132   57,204 52,132  
Revolving Loans Converted to Term 2,149   2,572 2,149  
Ending balance 94,928   97,629 94,928  
Current Period Gross Charge-offs          
Prior     23    
Total   12 23   12
Home equity loans and lines of credit | Performing          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 2,465     2,465  
2025/2024 6,219   2,791 6,219  
2024 Transition Period     2,214    
2024/2023 5,949   5,178 5,949  
2023/2022 8,955   5,141 8,955  
2022/2021 3,209   8,088 3,209  
Prior 13,561   14,306 13,561  
Revolving Loans Amortized Cost Basis 51,312   56,032 51,312  
Revolving Loans Converted to Term 2,149   2,572 2,149  
Ending balance 93,819   96,322 93,819  
Home equity loans and lines of credit | Non-performing          
Term Loans Amortized Cost Basis by Origination Year          
2023/2022 95     95  
Prior 194   135 194  
Revolving Loans Amortized Cost Basis 820   1,172 820  
Ending balance 1,109   1,307 1,109  
Consumer          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 1,226     1,226  
2025/2024 5,249   1,595 5,249  
2024 Transition Period     4,265    
2024/2023 556   3,317 556  
2023/2022 73   303 73  
2022/2021 45   25 45  
Prior 3,222   2,910 3,222  
Revolving Loans Amortized Cost Basis 7,193   6,791 7,193  
Ending balance 17,564   19,206 17,564  
Current Period Gross Charge-offs          
2024 Transition Period       46  
2025/2024     98 15  
2024/2023       7  
2023/2022     6 3  
2022/2021     4    
Prior     1 29  
Total 100 $ 69 109 100 $ 135
Consumer | Performing          
Term Loans Amortized Cost Basis by Origination Year          
2024 Transition Period 1,226     1,226  
2025/2024 5,249   1,595 5,249  
2024 Transition Period     4,265    
2024/2023 556   3,317 556  
2023/2022 73   303 73  
2022/2021 45   25 45  
Prior 3,222   2,910 3,222  
Revolving Loans Amortized Cost Basis 7,193   6,791 7,193  
Ending balance $ 17,564   $ 19,206 $ 17,564