The components of accumulated other comprehensive loss included in stockholders’ equity at March 31, 2026 and June 30, 2025 are as follows:


	March 31, 2026		June 30, 2025
	(In Thousands)
Net unrealized loss on securities available for sale	$	(96,834)	$	(112,142)
Tax effect	28,133		32,542
Net of tax amount	(68,701)		(79,600)

Fair value adjustments on derivatives	3,802		9,770
Tax effect	(1,123)		(2,844)
Net of tax amount	2,679		6,926

Benefit plan adjustments	839		946
Tax effect	(245)		(276)
Net of tax amount	594		670

Total accumulated other comprehensive loss	$	(65,428)	$	(72,004)

Other comprehensive income (loss) and related tax effects for the three and nine months ended March 31, 2026 and 2025 are presented in the following table:


	Three Months Ended March 31,				Nine Months Ended March 31,
	2026		2025		2026		2025
	(In Thousands)
Net unrealized holding (loss) gain on securities available for sale	$	(672)	$	13,606	$	15,308	$	17,979



Fair value adjustments on derivatives	2,867		(9,454)		(5,968)		(26,592)

Benefit plans:
Accretion of net actuarial gain (1)	(36)		(26)		(107)		(80)
Net actuarial gain	—		—		—		141
Net change in benefit plan accrued expense	(36)		(26)		(107)		61

Other comprehensive income (loss) before taxes	2,159		4,126		9,233		(8,552)
Tax effect	(624)		(1,157)		(2,657)		2,587
Total other comprehensive income (loss)	$	1,535	$	2,969	$	6,576	$	(5,965)

(1)Represents amounts reclassified out of accumulated other comprehensive loss and included in the computation of net periodic pension expense. See Note 10 - Benefit Plans for additional information.