v3.26.1
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 12 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2024
Cash Flows From Operating Activities:      
Net Income $ 71,839,000 $ 58,578,000 $ 50,182,000
Items not requiring (providing) cash:      
Depreciation 6,509,000 6,482,000 6,021,000
Loss on disposal of fixed assets   73,000  
Stock option and stock grant expense 1,790,000 1,667,000 1,029,000
Loss (gain) on sale/write-down of foreclosed property 77,000 (56,000) 74,000
Amortization of intangible assets 3,076,000 3,540,000 4,071,000
Accretion of purchase accounting adjustments (2,200,000) (3,924,000) (5,325,000)
Increase in cash surrender value of bank owned life insurance (BOLI) (2,571,000) (2,084,000) (1,911,000)
Provision for credit losses 11,454,000 6,523,000 3,600,000
(Gain) loss realized on sale of AFS securities 0 (48,000) 1,489,000
Net amortization of premiums and discounts on securities (778,000) (1,511,000) (842,000)
Originations of loans held for sale (32,098,000) (22,206,000) (21,857,000)
Proceeds from sales of loans held for sale 31,646,000 23,209,000 22,044,000
Gain on sales of loans held for sale (904,000) (751,000) (713,000)
Gain on sale of investment tax credit (305,000)    
Changes in:      
Accrued interest receivable (850,000) (2,192,000) (4,955,000)
Prepaid expenses and other assets (6,209,000) 6,682,000 8,943,000
Accounts payable and other liabilities 3,748,000 6,217,000 (141,000)
Deferred income taxes (1,297,000) 40,000 414,000
Accrued interest payable (2,404,000) 1,318,000 8,145,000
Net cash provided by operating activities 80,523,000 81,557,000 70,268,000
Cash Flows From Investing Activities:      
Net increase in loans (303,952,000) (254,933,000) (228,444,000)
Net change in interest-bearing deposits 249,000 248,000 744,000
Proceeds from maturities of available-for-sale securities 73,249,000 68,622,000 42,322,000
Proceeds from sales of available-for-sale securities   72,000 32,243,000
Purchases of Federal Home Loan Bank stock (17,127,000) (12,069,000) (13,377,000)
Redemptions of Federal Home Loan Bank stock 15,558,000 11,421,000 16,204,000
Purchases of Federal Reserve Bank of St. Louis stock (42,000) (50,000) (28,000)
Purchases of available-for-sale securities (60,344,000) (92,288,000) (79,837,000)
Purchases of long-term investments and other assets (375,000) (612,000) (410,000)
Redemptions of long-term investments and other assets 432,000    
Purchases of premises and equipment (3,959,000) (6,263,000) (9,047,000)
Investments in state & federal tax credits (10,207,000) (3,270,000) (7,381,000)
Proceeds from sale of fixed assets     15,000
Proceeds from sale of foreclosed assets 1,485,000 4,010,000 1,261,000
Proceeds from sale of investment tax credits 315,000    
Proceeds from BOLI claim 1,150,000    
Net cash used in investing activities (303,568,000) (285,112,000) (245,735,000)
Cash Flows From Financing Activities:      
Net increase (decrease) in demand deposits and savings accounts 34,983,000 25,152,000 (53,833,000)
Net increase in certificates of deposits 91,573,000 313,188,000 280,768,000
Net increase in securities sold under agreements to repurchase 5,000,000 5,602,000  
Proceeds from Federal Home Loan Bank advances 394,300,000 260,000,000 303,200,000
Repayments of Federal Home Loan Bank advances (367,955,000) (258,054,000) (334,752,000)
Repayments of long-term debt (7,500,000)    
Common stock issued     1,000
Exercise of stock options 460,000   391,000
Purchases of treasury stock (18,577,000)   (3,857,000)
Dividends paid on common stock (11,132,000) (10,378,000) (9,526,000)
Net cash provided by financing activities 121,152,000 335,510,000 182,392,000
(Decrease) increase in cash and cash equivalents (101,893,000) 131,955,000 6,925,000
Cash and cash equivalents at beginning of period 192,859,000 60,904,000 53,979,000
Cash and cash equivalents at end of period 90,966,000 192,859,000 60,904,000
Noncash investing and financing activities:      
Conversion of loans to foreclosed real estate 6,328,000 625,000 1,376,000
Conversion of loans to repossessed assets 417,000 98,000 209,000
Right of use (ROU) assets obtained in exchange for lease obligations: Operating Leases 241,000 322,000 2,332,000
Termination of lease right of use asset and related lease obligation     1,401,000
Investment tax credits obtained in exchange for delayed capital contributions 29,393,000    
Investment tax credits obtained in exchange for settlement of loans 500,000    
Investment tax credits cancelled in exchange for sale of membership interest 4,855,000    
Cash paid during the period for:      
Interest (net of interest credited) 7,813,000 8,148,000 7,706,000
Income taxes $ 9,139,000 $ 7,530,000 $ 2,298,000