Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Mar. 31, 2026

Loans and Allowance for Credit Losses

Schedule of classes of loans


(dollars in thousands)		March 31, 2026			June 30, 2025

1-4 Family residential real estate		$	1,063,006		$	992,445
Non-owner occupied commercial real estate			945,274			888,317
Owner occupied commercial real estate			476,994			442,984
Multi-family real estate			467,936			422,758
Construction and land development			279,943			332,405
Agriculture real estate			278,541			244,983
Total loans secured by real estate			3,511,694			3,323,892

Commercial and industrial			546,002			510,259
Agriculture production			204,447			206,128
Consumer			51,869			55,387
All other loans			8,348			5,102
Gross loans			4,322,360			4,100,768

Deferred loan fees, net			—			(178)
Allowance for credit losses			(55,937)			(51,629)
Net loans		$	4,266,423		$	4,048,961

Schedule of balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment methods


		At period end and for the nine months ended March 31, 2026
		Balance			Provision									Balance
		beginning			(benefit) charged			Losses						end
(dollars in thousands)		of period			to expense			charged off			Recoveries			of period
Allowance for credit losses on loans:
1-4 Family residential real estate		$	10,274		$	1,455		$	(807)		$	1		$	10,923
Non-owner occupied commercial real estate			12,241			155			(2,875)			2,000			11,521
Owner occupied commercial real estate			4,521			596			(81)			122			5,158
Multi-family real estate			4,329			(621)			—			—			3,708
Construction and land development			4,788			853			(161)			1			5,481
Agriculture real estate			4,194			1,773			—			—			5,967
Commercial and industrial			6,952			2,258			(980)			63			8,293
Agriculture production			3,374			502			(116)			66			3,826
Consumer			952			696			(862)			270			1,056
All other loans			4			—			—			—			4
Total		$	51,629		$	7,667		$	(5,882)		$	2,523		$	55,937


		At period end and for the three months ended March 31, 2026
		Balance			Provision									Balance
		beginning			(benefit) charged			Losses						end
(dollars in thousands)		of period			to expense			charged off			Recoveries			of period
Allowance for credit losses on loans:
1-4 Family residential real estate		$	10,735		$	188		$	—		$	—		$	10,923
Non-owner occupied commercial real estate			11,622			(101)			—			—			11,521
Owner occupied commercial real estate			5,125			80			(47)			—			5,158
Multi-family real estate			3,883			(175)			—			—			3,708
Construction and land development			5,745			(265)			—			1			5,481
Agriculture real estate			4,826			1,141			—			—			5,967
Commercial and industrial			8,804			(420)			(116)			25			8,293
Agriculture production			2,379			1,447			—			—			3,826
Consumer			1,343			(50)			(340)			103			1,056
All other loans			3			1			—			—			4
Total		$	54,465		$	1,846		$	(503)		$	129		$	55,937


		At period end and for the nine months ended March 31, 2025
		Balance			Provision									Balance
		beginning			(benefit) charged			Losses						end
(dollars in thousands)		of period			to expense			charged off			Recoveries			of period
Allowance for credit losses on loans:
1-4 Family residential real estate		$	10,528		$	817		$	(60)		$	46		$	11,331
Non-owner occupied commercial real estate			19,055			(1,483)			—			—			17,572
Owner occupied commercial real estate			4,815			387			(122)			—			5,080
Multi-family real estate			5,447			(254)			—			47			5,240
Construction and land development			2,901			487			(1)			—			3,387
Agriculture real estate			2,107			347			—			—			2,454
Commercial and industrial			6,233			1,443			(153)			49			7,572
Agriculture production			835			1,330			(976)			2			1,191
Consumer			578			748			(246)			16			1,096
All other loans			17			—			—			—			17
Total		$	52,516		$	3,822		$	(1,558)		$	160		$	54,940


		At period end and for the three months ended March 31, 2025
		Balance			Provision									Balance
		beginning			(benefit) charged			Losses						end
(dollars in thousands)		of period			to expense			charged off			Recoveries			of period
Allowance for credit losses on loans:
1-4 Family residential real estate		$	12,664		$	(1,323)		$	(10)		$	—		$	11,331
Non-owner occupied commercial real estate			13,660			3,912			—			—			17,572
Owner occupied commercial real estate			5,707			(627)			—			—			5,080
Multi-family real estate			5,725			(485)			—			—			5,240
Construction and land development			4,717			(1,330)			—			—			3,387
Agriculture real estate			2,517			(63)			—			—			2,454
Commercial and industrial			8,063			(415)			(88)			12			7,572
Agriculture production			1,060			1,105			(976)			2			1,191
Consumer			603			533			(45)			5			1,096
All other loans			24			(7)			—			—			17
Total		$	54,740		$	1,300		$	(1,119)		$	19		$	54,940

Schedule of allowance for off-balance credit exposure


		At period end and for the nine months ended March 31, 2026
		Balance			Provision			Balance
(dollars in thousands)		beginning			(benefit) charged			end
Allowance for off-balance sheet credit exposure:
1-4 Family residential real estate		$	202		$	(5)		$	197
Non-owner occupied commercial real estate			134			48			182
Owner occupied commercial real estate			161			10			171
Multi-family real estate			—			42			42
Construction and land development			2,279			75			2,354
Agriculture real estate			81			(29)			52
Commercial and industrial			1,074			(246)			828
Agriculture production			—			699			699
Consumer			—			4			4
All other loans			8			(5)			3
Total		$	3,939		$	593		$	4,532


		At period end and for the three months ended March 31, 2026
		Balance			Provision			Balance
		beginning			(benefit) charged			end
(dollars in thousands)		of period			to expense			of period
Allowance for off-balance sheet credit exposure:
1-4 Family residential real estate		$	189		$	8		$	197
Non-owner occupied commercial real estate			153			29			182
Owner occupied commercial real estate			172			(1)			171
Multi-family real estate			45			(3)			42
Construction and land development			2,612			(258)			2,354
Agriculture real estate			34			18			52
Commercial and industrial			810			18			828
Agriculture production			275			424			699
Consumer			4			—			4
All other loans			4			(1)			3
Total		$	4,298		$	234		$	4,532


		At period end and for the nine months ended March 31, 2025
		Balance			Provision			Balance
		beginning			(benefit) charged			end
(dollars in thousands)		of period			to expense			of period
Allowance for off-balance sheet credit exposure:
1-4 Family residential real estate		$	140		$	56		$	196
Non-owner occupied commercial real estate			153			15			168
Owner occupied commercial real estate			136			38			174
Multi-family real estate			31			31			62
Construction and land development			1,912			(508)			1,404
Agriculture real estate			60			(30)			30
Commercial and industrial			782			444			1,226
Agriculture production			37			160			197
Consumer			12			(6)			6
All other loans			—			1			1
Total		$	3,263		$	201		$	3,464


		At period end and for the three months ended March 31, 2025
		Balance			Provision			Balance
		beginning			(benefit) charged			end
(dollars in thousands)		of period			to expense			of period
Allowance for off-balance sheet credit exposure:
1-4 Family residential real estate		$	229		$	(33)		$	196
Non-owner occupied commercial real estate			185			(17)			168
Owner occupied commercial real estate			169			5			174
Multi-family real estate			65			(3)			62
Construction and land development			1,965			(561)			1,404
Agriculture real estate			54			(24)			30
Commercial and industrial			1,032			194			1,226
Agriculture production			127			70			197
Consumer			6			—			6
All other loans			—			1			1
Total		$	3,832		$	(368)		$	3,464

Schedule of Gross charge-offs by loan class and year of origination


																				Revolving
(dollars in thousands)		2026			2025			2024			2023			2022			Prior			loans			Total
March 31, 2026
1-4 Family residential real estate		$	—		$	—		$	182		$	200		$	7		$	418		$	—		$	807
Non-owner occupied commercial real estate			—			—			—			2,800			75			—			—			2,875
Owner occupied commercial real estate			—			—			—			—			—			81			—			81
Construction and land development			—			—			—			—			—			161			—			161
Commercial and industrial			48			267			159			62			377			67			—			980
Agriculture production			—			—			29			67			20			—			—			116
Consumer			539			151			112			37			16			7			—			862
Total gross charge-offs		$	587		$	418		$	482		$	3,166		$	495		$	734		$	—		$	5,882


																				Revolving
(dollars in thousands)		2025			2024			2023			2022			2021			Prior			loans			Total
March 31, 2025
1-4 Family residential real estate		$	—		$	—		$	—		$	—		$	—		$	60		$	—		$	60
Owner occupied commercial real estate			—			—			122			—			—			—			—			122
Construction and land development			—			—			—			—			1			—			—			1
Commercial and industrial			—			22			103			—			17			11			—			153
Agriculture production			—			976			—			—			—			—			—			976
Consumer			3			113			70			38			5			17			—			246
Total gross charge-offs		$	3		$	1,111		$	295		$	38		$	23		$	88		$	—		$	1,558

Schedule of credit risk profile of the Company's loan portfolio based on rating category and payment activity


																				Revolving
(dollars in thousands)		2026			2025			2024			2023			2022			Prior			loans			Total
1-4 Family residential real estate
Pass		$	201,084		$	155,574		$	90,035		$	111,489		$	151,217		$	220,501		$	127,045		$	1,056,945
Watch			436			625			292			45			321			152			11			1,882
Special Mention			—			—			—			—			—			—			—			—
Substandard			283			982			471			416			998			939			90			4,179
Doubtful			—			—			—			—			—			—			—			—
Total 1-4 Family residential real estate		$	201,803		$	157,181		$	90,798		$	111,950		$	152,536		$	221,592		$	127,146		$	1,063,006

Non-owner occupied commercial real estate
Pass		$	211,978		$	105,159		$	63,197		$	171,032		$	230,408		$	105,792		$	10,413		$	897,979
Watch			1,512			167			—			12,268			2,935			—			—			16,882
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			4,664			1,393			2,086			22,270			—			—			30,413
Doubtful			—			—			—			—			—			—			—			—
Total Non-owner occupied commercial real estate		$	213,490		$	109,990		$	64,590		$	185,386		$	255,613		$	105,792		$	10,413		$	945,274

Owner occupied commercial real estate
Pass		$	100,002		$	65,570		$	53,466		$	66,135		$	65,846		$	87,077		$	26,079		$	464,175
Watch			858			731			5,388			503			2,111			150			251			9,992
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			1,283			40			787			283			434			—			2,827
Doubtful			—			—			—			—			—			—			—			—
Total Owner occupied commercial real estate		$	100,860		$	67,584		$	58,894		$	67,425		$	68,240		$	87,661		$	26,330		$	476,994

Multi-family real estate
Pass		$	46,161		$	78,323		$	16,692		$	192,071		$	63,633		$	61,707		$	7,806		$	466,393
Watch			—			1,543			—			—			—			—			—			1,543
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—
Doubtful			—			—			—			—			—			—			—			—
Total Multi-family real estate		$	46,161		$	79,866		$	16,692		$	192,071		$	63,633		$	61,707		$	7,806		$	467,936

Construction and land development
Pass		$	94,438		$	104,660		$	26,289		$	40,232		$	4,410		$	1,184		$	2,388		$	273,601
Watch			—			—			—			—			—			54			—			54
Special Mention			—			—			—			—			—			—			—			—
Substandard			355			5,743			—			190			—			—			—			6,288
Doubtful			—			—			—			—			—			—			—			—
Total Construction and land development		$	94,793		$	110,403		$	26,289		$	40,422		$	4,410		$	1,238		$	2,388		$	279,943

Agriculture real estate
Pass		$	60,105		$	39,259		$	18,162		$	26,479		$	35,210		$	39,240		$	22,995		$	241,450
Watch			13,613			5,059			4,112			344			5,328			3,557			1,888			33,901

Special Mention			—			—			—			—			—			—			—			—
Substandard			—			111			2,786			257			—			—			36			3,190
Doubtful			—			—			—			—			—			—			—			—
Total Agriculture real estate		$	73,718		$	44,429		$	25,060		$	27,080		$	40,538		$	42,797		$	24,919		$	278,541

Commercial and industrial
Pass		$	174,346		$	101,426		$	22,530		$	9,028		$	26,176		$	14,737		$	169,934		$	518,177
Watch			5,909			1,034			4,205			2,251			—			206			7,929			21,534
Special Mention			—			—			—			—			—			—			—			—
Substandard			1,171			3,776			138			95			210			202			105			5,697
Doubtful			—			594			—			—			—			—			—			594
Total Commercial and industrial		$	181,426		$	106,830		$	26,873		$	11,374		$	26,386		$	15,145		$	177,968		$	546,002

Agriculture production
Pass		$	41,598		$	23,390		$	7,146		$	3,414		$	1,013		$	1,712		$	99,222		$	177,495
Watch			4,814			11,586			1,542			292			43			—			6,394			24,671
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			2			2,180			34			17			48			—			2,281
Doubtful			—			—			—			—			—			—			—			—
Total Agriculture production		$	46,412		$	34,978		$	10,868		$	3,740		$	1,073		$	1,760		$	105,616		$	204,447

Consumer
Pass		$	22,894		$	13,966		$	6,287		$	4,547		$	1,697		$	947		$	1,488		$	51,826
Watch			8			—			—			—			—			—			—			8
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			12			5			9			9			—			—			35
Doubtful			—			—			—			—			—			—			—			—
Total Consumer		$	22,902		$	13,978		$	6,292		$	4,556		$	1,706		$	947		$	1,488		$	51,869

All other loans
Pass		$	1,630		$	4,809		$	704		$	122		$	41		$	1,042		$	—		$	8,348
Watch			—			—			—			—			—			—			—			—
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—
Doubtful			—			—			—			—			—			—			—			—
Total All other loans		$	1,630		$	4,809		$	704		$	122		$	41		$	1,042		$	—		$	8,348

Total Loans
Pass		$	954,236		$	692,136		$	304,508		$	624,549		$	579,651		$	533,939		$	467,370		$	4,156,389
Watch			27,150			20,745			15,539			15,703			10,738			4,119			16,473			110,467
Special Mention			—			—			—			—			—			—			—			—
Substandard			1,809			16,573			7,013			3,874			23,787			1,623			231			54,910
Doubtful			—			594			—			—			—			—			—			594
Total		$	983,195		$	730,048		$	327,060		$	644,126		$	614,176		$	539,681		$	484,074		$	4,322,360


																				Revolving
(dollars in thousands)		2025			2024			2023			2022			2021			Prior			loans			Total
1-4 Family residential real estate
Pass		$	204,048		$	110,823		$	133,616		$	167,711		$	126,851		$	132,126		$	112,346		$	987,521
Watch			620			261			376			360			277			250			—			2,144
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			734			190			346			33			1,359			118			2,780
Doubtful			—			—			—			—			—			—			—			—
Total 1-4 Family residential real estate		$	204,668		$	111,818		$	134,182		$	168,417		$	127,161		$	133,735		$	112,464		$	992,445

Non-owner occupied commercial real estate
Pass		$	115,266		$	82,983		$	213,647		$	273,348		$	76,522		$	70,869		$	7,570		$	840,205
Watch			—			1,770			15,146			213			—			—			—			17,129
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			64			4,490			26,429			—			—			—			30,983
Doubtful			—			—			—			—			—			—			—			—

Total Non-owner occupied commercial real estate		$	115,266		$	84,817		$	233,283		$	299,990		$	76,522		$	70,869		$	7,570		$	888,317

Owner occupied commercial real estate
Pass		$	72,469		$	57,047		$	87,899		$	79,946		$	73,291		$	43,764		$	21,206		$	435,622
Watch			1,440			2,234			287			83			—			73			—			4,117
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			868			969			901			71			436			—			3,245
Doubtful			—			—			—			—			—			—			—			—
Total Owner occupied commercial real estate		$	73,909		$	60,149		$	89,155		$	80,930		$	73,362		$	44,273		$	21,206		$	442,984

Multi-family real estate
Pass		$	79,658		$	19,078		$	179,905		$	69,862		$	56,328		$	13,577		$	1,402		$	419,810
Watch			1,571			—			—			1,377			—			—			—			2,948
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—
Doubtful			—			—			—			—			—			—			—			—
Total Multi-family real estate		$	81,229		$	19,078		$	179,905		$	71,239		$	56,328		$	13,577		$	1,402		$	422,758

Construction and land development
Pass		$	161,995		$	32,148		$	117,395		$	9,144		$	1,829		$	1,396		$	2,020		$	325,927
Watch			—			—			—			—			—			63			—			63
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			5,743			—			—			—			672			—			6,415
Doubtful			—			—			—			—			—			—			—			—
Total Construction and land development		$	161,995		$	37,891		$	117,395		$	9,144		$	1,829		$	2,131		$	2,020		$	332,405

Agriculture real estate
Pass		$	56,350		$	24,526		$	36,351		$	40,456		$	37,094		$	11,570		$	18,747		$	225,094
Watch			3,883			1,092			2,145			5,603			4,043			—			475			17,241
Special Mention			—			—			—			—			—			—			—			—
Substandard			35			2,206			257			150			—			—			—			2,648
Doubtful			—			—			—			—			—			—			—			—
Total Agriculture real estate		$	60,268		$	27,824		$	38,753		$	46,209		$	41,137		$	11,570		$	19,222		$	244,983

Commercial and industrial
Pass		$	169,734		$	38,321		$	36,459		$	31,607		$	16,918		$	6,016		$	192,310		$	491,365
Watch			3,966			4,565			2,453			—			250			13			4,437			15,684
Special Mention			—			—			—			—			—			—			—			—
Substandard			753			111			165			935			53			239			954			3,210
Doubtful			—			—			—			—			—			—			—			—
Total Commercial and industrial		$	174,453		$	42,997		$	39,077		$	32,542		$	17,221		$	6,268		$	197,701		$	510,259

Agriculture production
Pass		$	43,446		$	13,230		$	5,631		$	1,910		$	4,363		$	302		$	119,345		$	188,227
Watch			3,319			888			—			83			—			—			13,357			17,647
Special Mention			—			—			—			—			—			—			—			—
Substandard			26			127			81			8			—			12			—			254
Doubtful			—			—			—			—			—			—			—			—
Total Agriculture production		$	46,791		$	14,245		$	5,712		$	2,001		$	4,363		$	314		$	132,702		$	206,128

Consumer
Pass		$	29,912		$	11,264		$	8,330		$	3,189		$	938		$	172		$	1,483		$	55,288
Watch			—			—			—			—			—			—			—			—
Special Mention			—			—			—			—			—			—			—			—
Substandard			50			20			12			17			—			—			—			99
Doubtful			—			—			—			—			—			—			—			—
Total Consumer		$	29,962		$	11,284		$	8,342		$	3,206		$	938		$	172		$	1,483		$	55,387

All other loans
Pass		$	2,334		$	869		$	245		$	82		$	132		$	1,440		$	—		$	5,102
Watch			—			—			—			—			—			—			—			—
Special Mention			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—
Doubtful			—			—			—			—			—			—			—			—
Total All other loans		$	2,334		$	869		$	245		$	82		$	132		$	1,440		$	—		$	5,102

Total Loans
Pass		$	935,212		$	390,289		$	819,478		$	677,255		$	394,266		$	281,232		$	476,429		$	3,974,161
Watch			14,799			10,810			20,407			7,719			4,570			399			18,269			76,973
Special Mention			—			—			—			—			—			—			—			—
Substandard			864			9,873			6,164			28,786			157			2,718			1,072			49,634
Doubtful			—			—			—			—			—			—			—			—
Total		$	950,875		$	410,972		$	846,049		$	713,760		$	398,993		$	284,349		$	495,770		$	4,100,768

Schedule of company's loan portfolio aging analysis


		March 31, 2026
								Greater Than												Greater Than 90
		30-59 Days			60-89 Days			90 Days			Total						Total Loans			Days Past Due
(dollars in thousands)		Past Due			Past Due			Past Due			Past Due			Current			Receivable			and Accruing
1-4 Family residential real estate		$	4,023		$	744		$	2,674		$	7,441		$	1,055,565		$	1,063,006		$	—
Non-owner occupied commercial real estate			705			—			4,664			5,369			939,905			945,274			—
Owner occupied commercial real estate			89			434			570			1,093			475,901			476,994			—
Multi-family real estate			—			—			—			—			467,936			467,936			—
Construction and land development			340			249			5,743			6,332			273,611			279,943			—
Agriculture real estate			291			1,064			2,984			4,339			274,202			278,541			—
Commercial and industrial			1,649			246			2,707			4,602			541,400			546,002			—
Agriculture production			80			34			2,192			2,306			202,141			204,447			—
Consumer			470			43			18			531			51,338			51,869			—
All other loans			—			—			—			—			8,348			8,348			—
Total loans		$	7,647		$	2,814		$	21,552		$	32,013		$	4,290,347		$	4,322,360		$	—


		June 30, 2025
								Greater Than												Greater Than 90
		30-59 Days			60-89 Days			90 Days			Total						Total Loans			Days Past Due
(dollars in thousands)		Past Due			Past Due			Past Due			Past Due			Current			Receivable			and Accruing
1-4 Family residential real estate		$	1,317		$	1,973		$	2,442		$	5,732		$	986,713		$	992,445		$	—
Non-owner occupied commercial real estate			62			—			5,784			5,846			882,471			888,317			—
Owner occupied commercial real estate			—			116			989			1,105			441,879			442,984			—
Multi-family real estate			—			—			—			—			422,758			422,758			—
Construction and land development			315			12			5,743			6,070			326,335			332,405			—
Agriculture real estate			178			11			2,613			2,802			242,181			244,983			—
Commercial and industrial			1,055			219			1,837			3,111			507,148			510,259			—
Agriculture production			163			164			78			405			205,723			206,128			—
Consumer			380			98			74			552			54,835			55,387			—
All other loans			—			—			—			—			5,102			5,102			—
Total loans		$	3,470		$	2,593		$	19,560		$	25,623		$	4,075,145		$	4,100,768		$	—

Schedule of company's collateral dependent loans and related ACL




														Allowance on
(dollars in thousands)		Primary Type of Collateral												Collateral
March 31, 2026		Real Estate			Land			Other			Total			Dependent Loans
1-4 Family residential real estate		$	2,114		$	—		$	—		$	2,114		$	84
Non-owner occupied commercial real estate			30,414			—			23			30,437			5,079
Owner occupied commercial real estate			3,414			—			468			3,882			448
Construction and land development			5,743			545			—			6,288			1,718
Agriculture real estate			3,150			—			36			3,186			—
Commercial and industrial			—			—			6,366			6,366			1,396
Agriculture production			—			—			2,192			2,192			—
Total loans		$	44,835		$	545		$	9,085		$	54,465		$	8,725



														Allowance on
(dollars in thousands)		Primary Type of Collateral												Collateral
June 30, 2025		Real Estate			Land			Other			Total			Dependent Loans
1-4 Family residential real estate		$	752		$	—		$	—		$	752		$	117
Non-owner occupied commercial real estate			31,764			—			—			31,764			6,456
Owner occupied commercial real estate			811			—			541			1,352			290
Construction and land development			5,743			661			—			6,404			161
Agriculture real estate			1,695			—			—			1,695			—
Commercial and industrial			494			—			3,128			3,622			1,129
Total loans		$	41,259		$	661		$	3,669		$	45,589		$	8,153

Schedule of company's nonaccrual loans



(dollars in thousands)		March 31, 2026			June 30, 2025
1-4 Family residential real estate		$	3,582		$	2,847
Non-owner occupied commercial real estate			8,240			5,784
Owner occupied commercial real estate			1,084			1,309
Construction and land development			5,775			5,789
Agriculture real estate			3,562			3,268
Commercial and industrial			5,598			3,442
Agriculture production			2,278			505
Consumer			16			96
Total loans		$	30,135		$	23,040

Schedule of performing loans classified as modifications to borrowers experiencing financial difficulty

Modifications to Borrowers Experiencing Financial Difficulty. During the three-month period ended March 31, 2026, there were no loan modifications made to borrowers experiencing financial difficulty, and during the nine-month period ended March 31, 2026, there were four loan modifications, totaling $5.8 million. During the three- and nine-month periods ended March 31, 2025, there were four loan modifications, totaling $22.3 million, made to borrowers experiencing financial difficulty. Loans classified as modifications to borrowers experiencing financial difficulty outstanding during the nine-month period ended March 31, 2026 are shown in the following table segregated by portfolio segment and type of modification. The percentage of amortized cost of loans that were modified compared to total outstanding loans is also presented below.Modifications to Borrowers Experiencing Financial Difficulty. During the three-month period ended March 31, 2026, there were no loan modifications made to borrowers experiencing financial difficulty, and during the nine-month period ended March 31, 2026, there were four loan modifications, totaling $5.8 million. During the three- and nine-month periods ended March 31, 2025, there were four loan modifications, totaling $22.3 million, made to borrowers experiencing financial difficulty. Loans classified as modifications to borrowers experiencing financial difficulty outstanding during the nine-month periods ended March 31, 2026 and 2025 are shown in the following tables segregated by portfolio segment and type of modification. The percentage of amortized cost of loans that were modified compared to total outstanding loans is also presented below.
	March 31, 2026
							Term			Interest			Total Class of
	Principal			Payment			Extension			Rate			Financing
	Forgiveness			Delays			Modifications			Reduction			Receivable
(dollars in thousands)
1-4 Family residential real estate	$	—		$	—		$	—		$	—		—	%
Non-owner occupied commercial real estate		1,512			—			—			—		0.16	%
Owner occupied commercial real estate		—			3,731			—			—		0.78	%
Multi-family real estate		—			—			—			—		—	%
Construction and land development		—			—			—			—		—	%
Agriculture real estate		—			—			—			—		—	%
Commercial and industrial		—			594			—			—		0.11	%
Agriculture production		—			—			—			—		—	%
Consumer		—			—			—			—		—	%
All other loans		—			—			—			—		—	%
Total	$	1,512		$	4,325		$	—		$	—		0.14	%