| Schedule of Accumulated Other Comprehensive Income |
AOCI includes the after-tax change in unrealized gains and losses on investment securities and cash flow hedging activities. | | | | | | | | | | | | | | | | | | | For the fiscal year ended June 30, 2026 | | (Dollars in thousands) | Unrealized gain (loss) on available-for-sale securities | | Cash flow hedges | | Accumulated other comprehensive income | Balance at June 30, 2025 | $ | (780) | | | $ | 1,128 | | | $ | 348 | | | Other comprehensive income/(loss) | 131 | | | 3,435 | | | 3,566 | | Balance at June 30, 2026 | $ | (649) | | | $ | 4,563 | | | $ | 3,914 | |
| | | | | | | | | | | | | | | | | | | For the fiscal year ended June 30, 2025 | | (Dollars in thousands) | Unrealized gain (loss) on available-for-sale securities | | Cash flow hedges | | Accumulated other comprehensive income | Balance at June 30, 2024 | $ | (2,466) | | | $ | — | | | $ | (2,466) | | | Other comprehensive income/(loss) | 1,686 | | | 1,128 | | | 2,814 | | Balance at June 30, 2025 | $ | (780) | | | $ | 1,128 | | | $ | 348 | |
| | | | | | | | | | | | | | | | | | | For the fiscal year ended June 30, 2024 | | (Dollars in thousands) | Unrealized gain (loss) on available-for-sale securities | | Cash flow hedges | | Accumulated other comprehensive income | | Balance at June 30, 2023 | $ | (6,610) | | | $ | — | | | $ | (6,610) | | | Other comprehensive income/(loss) | 4,144 | | | — | | | 4,144 | | Balance at June 30, 2024 | $ | (2,466) | | | $ | — | | | $ | (2,466) | |
The following table presents the pre-tax and after-tax changes in the components of other comprehensive income. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | For the fiscal year ended June 30, 2026 | | For the fiscal year ended June 30, 2025 | | For the fiscal year ended
June 30, 2024 | | (Dollars in thousands) | Pre-
tax | | Tax
effect | | After-
tax | | Pre
-tax | | Tax
effect | | After-
tax | | Pre-
tax | | Tax
effect | | After-
tax | | Unrealized gain/(loss) on investment securities: | | | | | | | | | | | | | | | | | | | Net unrealized gains/(losses) arising during the period | $ | 173 | | | $ | (42) | | | $ | 131 | | | $ | 2,372 | | | $ | (686) | | | $ | 1,686 | | | $ | 5,931 | | | $ | (1,787) | | | $ | 4,144 | | | Reclassification adjustment for realized (gains)/losses included in net income | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | Net change | $ | 173 | | | $ | (42) | | | $ | 131 | | | $ | 2,372 | | | $ | (686) | | | $ | 1,686 | | | $ | 5,931 | | | $ | (1,787) | | | $ | 4,144 | | | Cash flow hedges: | | | | | | | | | | | | | | | | | | | Net unrealized gains/(losses) arising during the period | $ | 10,417 | | | $ | (2,890) | | | $ | 7,527 | | | $ | 5,448 | | | $ | (1,828) | | | $ | 3,620 | | | $ | — | | | $ | — | | | $ | — | | | Reclassification adjustment for realized (gains)/losses included in net income | (5,662) | | | 1,570 | | | (4,092) | | | (3,749) | | | 1,257 | | | (2,492) | | | — | | | — | | | — | | | Net change | 4,755 | | | (1,320) | | | 3,435 | | | 1,699 | | | (571) | | | 1,128 | | | — | | | — | | | — | | | Total other comprehensive income/(loss) | $ | 4,928 | | | $ | (1,362) | | | $ | 3,566 | | | $ | 4,071 | | | $ | (1,257) | | | $ | 2,814 | | | $ | 5,931 | | | $ | (1,787) | | | $ | 4,144 | |
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