v3.26.1
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
 12 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2024
Interest Income      
Loans $ 265,208,000 $ 250,846,000 $ 222,512,000
Investment securities 4,962,000 5,808,000 6,877,000
Mortgage-backed securities 15,554,000 16,567,000 14,631,000
Other interest-earning assets 3,262,000 4,144,000 4,355,000
TOTAL INTEREST INCOME 288,986,000 277,365,000 248,375,000
Interest Expense      
Deposits 109,209,000 115,773,000 101,706,000
Securities sold under agreements to repurchase 806,000 766,000 451,000
Advances from FHLB 4,665,000 4,582,000 4,993,000
Subordinated debt 1,457,000 1,628,000 1,742,000
TOTAL INTEREST EXPENSE 116,137,000 122,749,000 108,892,000
NET INTEREST INCOME 172,849,000 154,616,000 139,483,000
Provision for credit losses (Note 3) 11,454,000 6,523,000 3,600,000
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 161,395,000 148,093,000 135,883,000
Noninterest Income      
Deposit account charges and related fees 9,481,000 8,625,000 7,399,000
Bank card interchange income 6,480,000 5,981,000 5,744,000
Loan late charges     579,000
Loan servicing fees 1,005,000 909,000 1,277,000
Other loan fees 464,000 3,767,000 2,375,000
Net realized gains on sale of loans 904,000 751,000 713,000
Net realized gains (losses) on sale of AFS securities 0 48,000 (1,489,000)
Earnings on bank owned life insurance 2,571,000 2,084,000 1,911,000
Insurance brokerage commissions 1,431,000 1,294,000 1,217,000
Wealth management fees 3,773,000 3,300,000 3,166,000
Other income 1,688,000 1,225,000 1,952,000
TOTAL NONINTEREST INCOME 27,797,000 27,984,000 24,844,000
Noninterest Expense      
Compensation and benefits 54,899,000 55,758,000 53,253,000
Occupancy and equipment, net 15,448,000 14,887,000 14,405,000
Data processing expense 10,600,000 9,327,000 8,968,000
Telecommunications expense 1,252,000 1,423,000 1,928,000
Deposit insurance premiums 2,195,000 2,335,000 2,463,000
Legal and professional fees 2,707,000 3,595,000 1,731,000
Advertising 2,285,000 2,070,000 2,119,000
Postage and office supplies 1,369,000 1,274,000 1,237,000
Intangibles amortization 3,076,000 3,540,000 4,071,000
Foreclosed property expenses, net 240,000 104,000 148,000
Other operating expense 8,017,000 7,770,000 7,294,000
TOTAL NONINTEREST EXPENSE 102,088,000 102,083,000 97,617,000
INCOME BEFORE INCOME TAXES 87,104,000 73,994,000 63,110,000
Current 16,562,000 14,722,000 12,234,000
Deferred (1,297,000) 694,000 694,000
TOTAL INCOME TAXES 15,265,000 15,416,000 12,928,000
NET INCOME $ 71,839,000 $ 58,578,000 $ 50,182,000
Basic earnings per share $ 6.44 $ 5.19 $ 4.42
Diluted earnings per share 6.43 5.18 4.42
Dividends paid per share $ 1 $ 0.92 $ 0.84