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INCOME TAXES - SCHEDULE OF NET DEFERRED TAX ASSET (Details) - USD ($)
$ in Thousands
Jun. 30, 2026
Jun. 30, 2025
Deferred tax assets:    
Allowance for credit losses $ 110,648 $ 91,922
Lease liability 15,896 16,650
Accrued compensation 2,051 3,306
Stock-based compensation expense 8,579 8,134
Litigation accrual 8,061 0
Nonaccrual loan interest income 4,777 8,419
Depreciation and amortization 0 5,090
Net operating loss carryforward 897 1,021
State taxes 0 5,967
Securities impaired 236 236
Other deferred tax assets 0 37
Total deferred tax assets 151,145 140,782
Valuation allowance (74) (70)
Deferred tax asset, net of valuation allowance 151,071 140,712
Deferred tax liabilities:    
Basis difference in acquired loans (26,789) (43,773)
Operating lease right-of-use asset (14,335) (15,002)
Depreciation and amortization (26,003) 0
State taxes (909) 0
Other assets—prepaids (5,097) (2,532)
Lease basis difference (91,709) 0
FHLB stock dividend (737) (738)
Unrealized net gains on securities (1,539) (160)
Other deferred tax liabilities (17) 0
Total deferred tax liabilities (167,135) (62,205)
Net deferred tax (liability), net of valuation allowance $ (16,064)  
Net deferred tax asset, net of valuation allowance   $ 78,507