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Loans Held For Sale (Tables)
 12 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Schedule of Loans Held for Sale
Loans held for sale as of the dates indicated consist of the following:
June 30,
20222021
One-to-four family$4,176 $31,873 
SBA14,774 4,160 
HELOCs60,357 57,506 
Total$79,307 $93,539 
Loans consist of the following at the dates indicated:
June 30,
20222021
Commercial real estate loans
Construction and land development$291,202 $179,427 
Commercial real estate - owner occupied335,658 324,350 
Commercial real estate - non-owner occupied662,159 727,361 
Multifamily81,086 90,565 
Total commercial real estate loans1,370,105 1,321,703 
Commercial loans
Commercial and industrial192,652 141,341 
Equipment finance394,541 317,920 
Municipal leases129,766 140,421 
PPP loans661 46,650 
Total commercial loans717,620 646,332 
Residential real estate loans
Construction and land development81,847 66,027 
One-to-four family354,203 406,549 
HELOCs160,137 169,201 
Total residential real estate loans596,187 641,777 
Consumer loans85,383 123,455 
Total loans, net of deferred loan fees and costs2,769,295 2,733,267 
Allowance for credit losses on loans(34,690)(35,468)
Loans, net$2,734,605 $2,697,799 
(1) June 30, 2022 and 2021 accrued interest receivable of $7,969 and $7,339 was accounted for separately from the amortized cost basis.
The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, and securing collateral, as well as collateral coverage for those loans for the periods indicated below:
Type of Collateral and Extent to Which Collateral Secures Financial Assets
June 30, 2022Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsFinancial Assets Not Considered Collateral DependentTotal
Commercial real estate
Construction and land development$— $— $— $— $291,202 $291,202 
Commercial real estate - owner occupied— — — — 335,658 335,658 
Commercial real estate - non-owner occupied— — — — 662,159 662,159 
Multifamily— — — — 81,086 81,086 
Total commercial real estate— — — — 1,370,105 1,370,105 
Commercial
Commercial and industrial— — — 2,594 190,058 192,652 
Equipment finance— — — — 394,541 394,541 
Municipal leases— — — — 129,766 129,766 
PPP loans— — — — 661 661 
Total commercial— — — 2,594 715,026 717,620 
Residential real estate
Construction and land development— — — — 81,847 81,847 
One-to-four family1,318 — — — 352,885 354,203 
HELOCs— — — — 160,137 160,137 
Total residential real estate1,318 — — — 594,869 596,187 
Consumer— — — — 85,383 85,383 
Total$1,318 $— $— $2,594 $2,765,383 $2,769,295 
Total collateral value$2,443 $— $— $69 
Type of Collateral and Extent to Which Collateral Secures Financial Assets
June 30, 2021Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsFinancial Assets Not Considered Collateral DependentTotal
Commercial real estate
Construction and land development$— $80 $— $— $179,347 $179,427 
Commercial real estate - owner occupied— — 2,308 — 322,042 324,350 
Commercial real estate - non-owner occupied— — — 727,361 727,361 
Multifamily— 3,421 — — 87,144 90,565 
Total commercial real estate— 3,501 2,308 — 1,315,894 1,321,703 
Commercial
Commercial and industrial— — — 25 141,316 141,341 
Equipment finance— — — 275 317,645 317,920 
Municipal leases— — — — 140,421 140,421 
PPP loans— — — — 46,650 46,650 
Total commercial— — — 300 646,032 646,332 
Residential real estate
Construction and land development— — — — 66,027 66,027 
One-to-four family807 — — — 405,742 406,549 
HELOCs— — — — 169,201 169,201 
Total residential real estate807 — — — 640,970 641,777 
Consumer— — — — 123,455 123,455 
Total$807 $3,501 $2,308 $300 $2,726,351 $2,733,267 
Total collateral value$1,160 $3,602 $2,723 $301