Timberland Bancorp (TSBK) 10-Q 9 May 22 2022 Q2 Quarterly report Financial data

Cover

Cover - $ / shares	6 Months Ended
	Mar. 31, 2022	May 03, 2022	Sep. 30, 2021
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity File Number	000-23333
Entity Incorporation, State or Country Code	WA
Entity Tax Identification Number	91-1863696
Entity Address, Address Line One	624 Simpson Avenue
Entity Address, City or Town	Hoquiam
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98550
City Area Code	(360)
Local Phone Number	533-4747
Title of 12(b) Security	Common stock, $.01 par value
Trading Symbol	TSBK
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		8,305,826
Common stock par value (in dollars per share)	$ 0.01		$ 0.01
Entity Registrant Name	TIMBERLAND BANCORP, INC.
Entity Central Index Key	0001046050
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Amendment Flag	false

Recent Accounting Pronouncement

Recent Accounting Pronouncements	6 Months Ended
	Mar. 31, 2022
Accounting Changes and Error Corrections [Abstract]
Recent Accounting Pronouncements	RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the FASB issued Accounting Standards Update ("ASU") 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments , as amended by ASU 2018-19, ASU 2019-04, ASU 2019-05, ASU 2019-10 and ASU 2019-11. ASU 2016-13 replaces the existing incurred losses methodology with a current expected losses methodology with respect to most financial assets measured at amortized cost and certain other instruments, including trade and other receivables, loans, held to maturity investment securities and off-balance sheet commitments. In addition, ASU 2016-13 requires credit losses relating to available for sale debt securities to be recorded through an allowance for credit losses rather than as a reduction of the carrying amount. ASU 2016-13 also changes the accounting for purchased credit-impaired securities and loans. ASU 2016-13 retains many of the current disclosure requirements in GAAP and expands certain disclosure requirements. ASU 2016-13 is effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Upon adoption, the Company expects a change in the processes and procedures to calculate the allowance for loan losses, including changes in the assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current policy for OTTI on investment securities available for sale will be replaced with an allowance approach. The Company is reviewing the requirements of ASU 2016-13 and has begun developing and implementing processes and procedures to help ensure that it is fully compliant with the amendments at the adoption date. At this time, the Company anticipates that the allowance for loan losses will increase as a result of the implementation of this ASU; however, until its evaluation is complete, the magnitude of the increase will be unknown. In January 2017, the FASB issued ASU 2017-04, Intangibles - Goodwill and Other: Simplifying the Test for Goodwill Impairment. This ASU simplifies the subsequent measurement of goodwill and eliminates Step 2 from the goodwill impairment test. In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value of its assets and liabilities (including unrecognized assets and liabilities) at the impairment testing date following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination. Under ASU 2017-04, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from any tax deductible goodwill on the carrying amount of the reporting unit when measuring the goodwill impairment loss, if applicable. ASU 2017-04 is effective for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2022. The adoption ASU 2017-04 is not expected to a have a material impact on the Company's future consolidated financial statements. In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740), Simplifying the accounting for Income Taxes. The amendments in this ASU simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments also improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidelines. ASU 2019-12 was effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. The Company adopted ASU 2019-12 effective October 1, 2021, and it did not have a material impact on the Company's consolidated financial statements. In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU applies to contracts, hedging relationships and other transactions that reference the London Interbank Offered Rate ("LIBOR") or other rate references expected to be discontinued because of reference rate reform. The ASU permits an entity to make necessary modifications to eligible contracts or transactions without requiring contract remeasurement or reassessment of a previous accounting determination. This ASU is effective for all entities as of March 12, 2020 through December 31, 2022. The Company has not adopted ASU 2020-04 as of December 31, 2021. The adoption of ASU 2020-04 is not expected to have a material impact on the Company's future consolidated financial statements.

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Cash and cash equivalents:
Cash and due from financial institutions	$ 26,500	$ 26,316	[1]
Interest-bearing deposits in banks	465,802	553,880	[1]
Total cash and cash equivalents	492,302	580,196	[1]
Certificates of deposit (“CDs”) held for investment (at cost, which      approximates fair value)	28,619	28,482	[1]
Investment securities held to maturity, at amortized cost (estimated fair value of $184,707 and $70,109)	189,405	69,102	[1]
Investment securities available for sale, at fair value	50,624	63,176	[1]
Investments in equity securities	902	955
Federal Home Loan Bank of Des Moines (“FHLB”) stock, at cost	2,194	2,103	[1]
Other investments, at cost	3,000	3,000	[1]
Loans held for sale	2,772	3,217	[1]
Loans receivable, net of allowance for loan losses of $13,433 and $13,469	1,034,080	968,454	[1]
Premises and equipment, net	21,878	22,367	[1]
Other real estate owned (“OREO”) and other repossessed assets, net	157	157	[1]
Accrued interest receivable	3,927	3,745	[1]
Bank owned life insurance (“BOLI”)	22,498	22,193	[1]
Goodwill	15,131	15,131	[1]
Core deposit intangible (“CDI”), net	1,106	1,264
Loan servicing rights, net	3,390	3,482	[1]
Operating lease right-of-use ("ROU") assets	2,129	2,283	[1]
Other assets	3,356	2,873	[1]
Total assets	1,877,470	1,792,180	[1]
Deposits:
Non-interest-bearing demand	525,488	535,212	[1]
Interest-bearing	1,130,938	1,035,343	[1]
Total deposits	1,656,426	1,570,555	[1]
FHLB borrowings	0	5,000	[1]
Operating lease liabilities	2,210	2,359
Other liabilities and accrued expenses	6,565	7,367	[1]
Total liabilities	1,665,201	1,585,281	[1]
Shareholders’ equity
Preferred stock, $0.01 par value; 1,000,000 shares authorized; none issued	0	0	[2]
Common stock, $0.01 par value; 50,000,000 shares authorized; 8,305,826 shares issued and outstanding - March 31, 2022 8,355,469 shares issued and outstanding - September 30, 2021	40,988	42,673	[2]
Retained earnings	171,388	164,167	[2]
Accumulated other comprehensive income (loss)	(107)	59	[2]
Total shareholders’ equity	212,269	206,899	[2]
Total liabilities and shareholders’ equity	$ 1,877,470	$ 1,792,180	[2]
[1]	Derived from audited consolidated financial statements.
[2]	Derived from audited consolidated financial statements.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Statement of Financial Position [Abstract]
Investments securities held to maturity, estimated fair value	$ 184,707	$ 70,109
Allowance for loan losses	$ 13,433	$ 13,469
Preferred stock par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock shares authorized (shares)	1,000,000	1,000,000
Preferred stock shares issued (shares)	0	0
Common stock par value (in dollars per share)	$ 0.01	$ 0.01
Common stock shares authorized (shares)	50,000,000	50,000,000
Common stock shares issued (shares)	8,305,826	8,355,469
Common stock shares outstanding (shares)	8,305,826	8,355,469

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($)	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Interest and dividend income
Loans receivable and loans held for sale	$ 12,620,000	$ 12,790,000	$ 25,242,000	$ 26,108,000
Investment securities	590,000	284,000	996,000	585,000
Dividends from mutual funds, FHLB stock and other investments	27,000	27,000	54,000	55,000
Interest-bearing deposits in banks and CDs	283,000	259,000	571,000	569,000
Total interest and dividend income	13,520,000	13,360,000	26,863,000	27,317,000
Interest expense
Deposits	625,000	764,000	1,257,000	1,668,000
FHLB borrowings	2,000	29,000	17,000	58,000
Total interest expense	627,000	793,000	1,274,000	1,726,000
Net interest income	12,893,000	12,567,000	25,589,000	25,591,000
Provision for loan losses	0	0	0	0
Net interest income after provision for loan losses	12,893,000	12,567,000	25,589,000	25,591,000
Non-interest income
Net recoveries on investment securities	3,000	3,000	11,000	8,000
BOLI net earnings	152,000	146,000	305,000	295,000
Gain on sales of loans, net	416,000	1,758,000	1,079,000	3,760,000
Valuation recovery on loan servicing rights, net	0	438,000	119,000	202,000
Other, net	207,000	289,000	438,000	612,000
Total non-interest income	3,083,000	4,886,000	6,525,000	9,445,000
Non-interest expense
Salaries and employee benefits	5,192,000	4,778,000	10,363,000	9,391,000
Premises and equipment	988,000	998,000	1,916,000	1,955,000
Advertising	161,000	155,000	327,000	311,000
OREO and other repossessed assets, net	2,000	(68,000)	(16,000)	(94,000)
ATM and debit card interchange transaction fees	450,000	445,000	914,000	876,000
Postage and courier	164,000	149,000	300,000	287,000
State and local taxes	235,000	255,000	489,000	538,000
Professional fees	322,000	181,000	593,000	412,000
Federal Deposit Insurance Corporation ("FDIC") insurance	126,000	105,000	254,000	201,000
Loan administration and foreclosure	96,000	90,000	200,000	171,000
Data processing and telecommunications	669,000	634,000	1,282,000	1,240,000
Deposit operations	262,000	245,000	561,000	529,000
Amortization of CDI	79,000	91,000	158,000	181,000
Other	587,000	493,000	1,256,000	963,000
Total non-interest expense, net	9,333,000	8,551,000	18,597,000	16,961,000
Income before income taxes	6,643,000	8,902,000	13,517,000	18,075,000
Provision for income taxes	1,316,000	1,651,000	2,705,000	3,534,000
Net income	$ 5,327,000	$ 7,251,000	$ 10,812,000	$ 14,541,000
Net income per common share
Basic (in dollars per share)	$ 0.64	$ 0.87	$ 1.30	$ 1.75
Diluted (in dollars per share)	$ 0.63	$ 0.86	$ 1.28	$ 1.73
Weighted average common shares outstanding
Basic (in shares)	8,337,407	8,331,121	8,346,839	8,322,210
Diluted (in shares)	8,421,875	8,444,798	8,435,536	8,428,595
Deposit Account
Non-interest income
Revenue from contract with customer	$ 1,014,000	$ 941,000	$ 1,927,000	$ 1,996,000
Credit and Debit Card
Non-interest income
Revenue from contract with customer	1,247,000	1,237,000	2,523,000	2,393,000
Asset Management
Non-interest income
Revenue from contract with customer	$ 44,000	$ 74,000	$ 123,000	$ 179,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Comprehensive income
Net income	$ 5,327	$ 7,251	$ 10,812	$ 14,541
Unrealized holding gain (loss) on investment securities available for sale, net of income taxes of $(40), $19, $(45), and $15, respectively	(152)	74	(170)	57
Change in other than temporary impairment ("OTTI") on investment securities held to maturity, net of income taxes:
Accretion of OTTI on investment securities held to maturity, net of income taxes of $1, $1, $1, and $1, respectively	3	3	4	3
Total other comprehensive income (loss), net of income taxes	(149)	77	(166)	60
Total comprehensive income	$ 5,178	$ 7,328	$ 10,646	$ 14,601

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Unrealized holding loss on investment securities available for sale, tax	$ (40)	$ 19	$ (45)	$ 15
Accretion of OTTI on investment securities held to maturity, tax	$ 1	$ 1

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - USD ($) $ in Thousands	Total		Stock Options	Common Stock	Common StockStock Options	Retained Earnings	Accumulated Other Compre-hensive Income (Loss)
Balance at beginning of period (in shares) at Sep. 30, 2020				8,310,793
Balance at beginning of period at Sep. 30, 2020	$ 187,630			$ 42,396		$ 145,173	$ 61	[1]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	14,541					14,541
Other comprehensive income	60						60
Repurchase of common stock (in shares)				(2,900)
Repurchase of common stock	$ (58)			$ (58)
Exercise of stock options (in shares)	53,564			53,564
Exercise of stock options	$ 519			$ 519
Common stock dividends	(4,241)					(4,241)
Stock option compensation expense			$ 92		$ 92
Balance at end of period (in shares) at Mar. 31, 2021				8,361,457
Balance at end of period at Mar. 31, 2021	198,543			$ 42,949		155,473	121	[1]
Balance at beginning of period (in shares) at Dec. 31, 2020				8,317,793
Balance at beginning of period at Dec. 31, 2020	193,325			$ 42,480		150,801	44	[1]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	7,251					7,251
Other comprehensive income	77						77
Exercise of stock options (in shares)				43,664
Exercise of stock options	423			$ 423
Common stock dividends	(2,579)					(2,579)
Stock option compensation expense			46		46
Balance at end of period (in shares) at Mar. 31, 2021				8,361,457
Balance at end of period at Mar. 31, 2021	198,543			$ 42,949		155,473	121	[1]
Balance at beginning of period (in shares) at Sep. 30, 2021				8,355,469
Balance at beginning of period at Sep. 30, 2021	206,899	[2]		$ 42,673		164,167	59	[1]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	10,812					10,812
Other comprehensive income	(166)						(166)
Repurchase of common stock (in shares)				(77,113)
Repurchase of common stock	$ (2,149)			$ (2,149)
Exercise of stock options (in shares)	27,470			27,470
Exercise of stock options	$ 332			$ 332
Common stock dividends	(3,591)					(3,591)
Stock option compensation expense			132		132
Balance at end of period (in shares) at Mar. 31, 2022				8,305,826
Balance at end of period at Mar. 31, 2022	212,269			$ 40,988		171,388	(107)	[1]
Balance at beginning of period (in shares) at Dec. 31, 2021				8,348,821
Balance at beginning of period at Dec. 31, 2021	210,375			$ 42,436		167,897	42	[1]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	5,327					5,327
Other comprehensive income	(149)						(149)
Repurchase of common stock (in shares)				(61,565)
Repurchase of common stock	(1,716)			$ (1,716)
Exercise of stock options (in shares)				18,570
Exercise of stock options	202			$ 202
Common stock dividends	(1,836)					(1,836)
Stock option compensation expense			$ 66		$ 66
Balance at end of period (in shares) at Mar. 31, 2022				8,305,826
Balance at end of period at Mar. 31, 2022	$ 212,269			$ 40,988		$ 171,388	$ (107)	[1]
[1]	All amounts are net of income taxes.
[2]	Derived from audited consolidated financial statements.

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders' Equity (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Common Stock
Dividends paid per common share (in dollars per share)	$ 0.22	$ 0.31	$ 0.43	$ 0.51

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities
Net income	$ 10,812	$ 14,541
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	708	781
Deferred income taxes	266	51
Accretion of discount on purchased loans	(91)	(207)
Amortization of CDI	158	181
Stock option compensation expense	132	92
Net recoveries on investment securities	(11)	(8)
Change in fair value of investments in equity securities	53	20
Amortization (accretion) of discounts and premiums on securities	176	(16)
Gain on sales of OREO and other repossessed assets, net	0	(92)
Gain on sales of loans, net	(1,079)	(3,760)
Loans originated for sale	(37,915)	(85,313)
Proceeds from sales of loans	39,439	85,127
Amortization of loan servicing rights	600	529
Valuation recovery on loan servicing rights, net	(119)	(202)
BOLI net earnings	(305)	(295)
Increase (decrease) in deferred loan origination fees	(1,342)	563
Net change in accrued interest receivable and other assets, and other liabilities and accrued expenses	(2,071)	(1,826)
Net cash provided by operating activities	9,411	10,166
Cash flows from investing activities
Net (increase) decrease in CDs held for investment	(137)	25,871
Purchase of investment securities held to maturity	(126,272)	(15,050)
Purchase of investment securities available for sale	0	(16,383)
Proceeds from maturities and prepayments of investment securities held to maturity	5,992	6,589
Proceeds from maturities and prepayments of investment securities available for sale	12,152	5,093
Purchase of FHLB stock	(91)	(381)
Increase in loans receivable, net	(64,193)	(17,164)
Purchases of premises and equipment	(219)	(509)
Proceeds from sales of OREO and other repossessed assets	0	985
Net cash used in investing activities	(172,768)	(10,949)
Cash flows from financing activities
Net increase in deposits	85,871	123,453
Repayments of FHLB borrowings	(5,000)	0
Proceeds from exercise of stock options	332	519
Repurchase of common stock	(2,149)	(58)
Payment of dividends	(3,591)	(4,241)
Net cash provided by financing activities	75,463	119,673
Net increase (decrease) in cash and cash equivalents	(87,894)	118,890
Beginning of period	580,196	314,452
End of period	492,302	433,342
Supplemental disclosure of cash flow information
Income taxes paid	2,188	2,688
Interest paid	1,305	1,818
Supplemental disclosure of non-cash investing activities
Other comprehensive income (loss) related to investment securities	$ (166)	$ 60

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	6 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (a) Basis of Presentation: The accompanying unaudited consolidated financial statements of Timberland Bancorp, Inc. and its wholly-owned subsidiary, Timberland Bank (the "Bank") (collectively, "the Company") were prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with instructions for Form 10-Q and, therefore, do not include all disclosures necessary for a complete presentation of consolidated financial condition, results of operations, and cash flows in conformity with GAAP. However, all adjustments which are, in the opinion of management, necessary for a fair presentation of the interim consolidated financial statements have been included. All such adjustments are of a normal recurring nature. The unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended September 30, 2021 (“2021 Form 10-K”). The unaudited consolidated results of operations for the six months ended March 31, 2022 are not necessarily indicative of the results that may be expected for the entire fiscal year ending September 30, 2022. (b) Principles of Consolidation: The unaudited consolidated financial statements include the accounts of the Company and the Bank’s wholly-owned subsidiary, Timberland Service Corporation. All significant inter-company transactions and balances have been eliminated in consolidation. (c) Operating Segment: The Company has one reportable operating segment which is defined as community banking in western Washington under the operating name, "Timberland Bank." (d) The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect reported amounts of assets and liabilities, and the disclosure of contingent assets and liabilities, as of the date of the consolidated balance sheets, and the reported amounts of income and expenses during the reporting period. Actual results could differ from those estimates. (e) Certain prior period amounts have been reclassified to conform to the March 31, 2022 presentation with no change to previously reported net income or total shareholders’ equity.

Investment Securities

Investment Securities	6 Months Ended
	Mar. 31, 2022
Investments [Abstract]
Investment Securities	INVESTMENT SECURITIES Held to maturity and available for sale investment securities have been classified according to management’s intent and were as follows as of March 31, 2022 and September 30, 2021 (dollars in thousands): Amortized Gross Gross Estimated March 31, 2022 Held to maturity U.S. Treasury and U.S. government agency securities $ 141,927 $ 24 $ (4,150) $ 137,801 Mortgage-backed securities ("MBS"): U.S. government agencies 21,858 215 (508) 21,565 Private label residential 25,120 273 (542) 24,851 Bank issued trust preferred securities 500 — (10) 490 Total $ 189,405 $ 512 $ (5,210) $ 184,707 Available for sale MBS: U.S. government agencies $ 50,745 $ 105 $ (226) $ 50,624 Total $ 50,745 $ 105 $ (226) $ 50,624 September 30, 2021 Held to maturity U.S. Treasury and U.S. government agency securities $ 28,760 $ 8 $ (99) $ 28,669 MBS: U.S. government agencies 25,913 936 (122) 26,727 Private label residential 13,929 302 (23) 14,208 Bank issued trust preferred securities 500 5 — 505 Total $ 69,102 $ 1,251 $ (244) $ 70,109 Available for sale MBS: U.S. government agencies $ 63,080 $ 210 $ (114) $ 63,176 Total $ 63,080 $ 210 $ (114) $ 63,176 Held to maturity and available for sale investment securities with unrealized losses were as follows as of March 31, 2022 (dollars in thousands): Less Than 12 Months 12 Months or Longer Total Estimated Gross Quantity Estimated Gross Quantity Estimated Gross Held to maturity U.S. Treasury and U.S. government agency securities $ 127,757 $ (4,150) 23 $ — $ — 1 $ 127,757 $ (4,150) MBS: U.S. government agencies 8,405 (507) 10 416 (1) 4 8,821 (508) Private label residential 21,091 (505) 15 3,356 (37) 1 24,447 (542) Bank issued trust preferred securities 500 (10) 1 — — — 500 (10) Total $ 157,753 $ (5,172) 49 $ 3,772 $ (38) 6 $ 161,525 $ (5,210) Available for sale MBS: U.S. government agencies $ 12,072 $ (27) 10 $ 17,391 $ (199) 10 $ 29,463 $ (226) Total $ 12,072 $ (27) 10 $ 17,391 $ (199) 10 $ 29,463 $ (226) Held to maturity and available for sale investment securities with unrealized losses were as follows as of September 30, 2021 (dollars in thousands): Less Than 12 Months 12 Months or Longer Total Estimated Gross Quantity Estimated Gross Quantity Estimated Gross Held to maturity U.S. Treasury and U.S. government agency securities $ 18,795 $ (99) 5 $ — $ — — $ 18,795 $ (99) MBS: U.S. government agencies 8,091 (122) 5 15 — 3 8,106 (122) Private label residential 9,712 (23) 4 1 — 1 9,713 (23) Total $ 36,598 $ (244) 14 $ 16 $ — 4 $ 36,614 $ (244) Available for sale MBS: U.S. government agencies $ 20,146 $ (103) 13 $ 5,491 $ (11) 3 $ 25,637 $ (114) Total $ 20,146 $ (103) 13 $ 5,491 $ (11) 3 $ 25,637 $ (114) The Company has evaluated the investment securities in the above tables and has determined that the declines in their fair value are temporary. The unrealized losses are primarily due to changes in market interest rates and spreads in the market for mortgage-related products. The fair value of these securities is expected to recover as the securities approach their maturity dates and/or as the pricing spreads narrow on mortgage-related securities. The Company has the ability and the intent to hold the investments until the fair value recovers. Further, as of March 31, 2022, management does not have the intent to sell any of the securities classified as available for sale for which the estimated fair value is below the recorded value and believes that it is more likely than not that the Company will not have to sell such securities before a recovery of cost (or recorded value if previously written down). The Company bifurcates OTTI into (1) amounts related to credit losses which are recognized through earnings and (2) amounts related to all other factors which are recognized as a component of other comprehensive income (loss). To determine the component of the gross OTTI related to credit losses, the Company compared the amortized cost basis of the OTTI security to the present value of its revised expected cash flows, discounted using its pre-impairment yield. The revised expected cash flow estimates for individual securities are based primarily on an analysis of default rates, prepayment speeds and third-party analytic reports. Significant judgment by management is required in this analysis that includes, but is not limited to, assumptions regarding the collectability of principal and interest, net of related expenses, on the underlying loans. The following table presents a summary of the significant inputs utilized to measure management’s estimates of the credit loss component on OTTI securities as of March 31, 2022 and 2021: Range Weighted Minimum Maximum Average March 31, 2022 Constant prepayment rate 6.00 % 15.00 % 8.37 % Collateral default rate 0.53 % 21.55 % 10.53 % Loss severity rate — % 8.53 % 3.72 % March 31, 2021 Constant prepayment rate 6.00 % 15.00 % 13.18 % Collateral default rate 1.73 % 28.92 % 13.94 % Loss severity rate — % 18.93 % 5.79 % The following table presents the OTTI recoveries for the three and six months ended March 31, 2022 and 2021 (dollars in thousands): Three Months Ended Three Months Ended Held To Held To Total recoveries $ 3 $ 3 Net recoveries recognized in earnings (1) $ 3 $ 3 Six Months Ended Six Months Ended Held To Held To Total recoveries $ 11 $ 8 Net recoveries recognized in earnings (1) $ 11 $ 8 _________________ (1) Represents OTTI related to credit losses. The following table presents a roll forward of the credit loss component of held to maturity and available for sale debt securities that have been written down for OTTI with the credit loss component recognized in earnings for the six months ended March 31, 2022 and 2021 (dollars in thousands): Six Months Ended 2022 2021 Beginning balance of credit loss $ 853 $ 885 Additions (subtractions): Net realized gain (losses) previously recorded as credit losses 1 (5) Recovery of prior credit loss (8) (8) Ending balance of credit loss $ 846 $ 872 During the six months ended March 31, 2022, the Company recorded a $1,000 net realized gain on 14 held to maturity investment securities. During the six months ended March 31, 2021, the Company recorded a $5,000 net realized loss (as a result of investment securities being deemed worthless) on 13 held to maturity investment securities, all of which had been recognized previously as a credit loss. The recorded amount of investment securities pledged as collateral for public fund deposits, federal treasury tax and loan deposits, FHLB collateral and other non-profit organization deposits totaled $82.57 million and $97.60 million at March 31, 2022 and September 30, 2021, respectively. The contractual maturities of debt securities at March 31, 2022 were as follows (dollars in thousands). Expected maturities may differ from scheduled maturities due to the prepayment of principal or call provisions. Held to Maturity Available for Sale Amortized Estimated Amortized Estimated Due after one year to five years 109,829 105,932 3,622 3,616 Due after five years to ten years 50,532 50,333 12,062 12,047 Due after ten years 29,044 28,442 35,061 34,961 Total $ 189,405 $ 184,707 $ 50,745 $ 50,624

Goodwill and CDI

Goodwill and CDI	6 Months Ended
	Mar. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and CDI	GOODWILL AND CDI Goodwill is initially recorded when the purchase price paid in a business combination exceeds the estimated fair value of the net identified tangible and intangible assets acquired and liabilities assumed. Goodwill is presumed to have an indefinite useful life and is analyzed annually for impairment. The Company performs an annual review during the third quarter of each fiscal year, or more frequently if indicators of potential impairment exist, to determine if the recorded goodwill is impaired. For purposes of goodwill impairment testing, the services offered through the Bank and its subsidiary are managed as one strategic unit and represent the Company's only reporting unit. The annual goodwill impairment test begins with a qualitative assessment of whether it is "more likely than not" that the reporting unit's fair value is less than its carrying amount. If an entity concludes that it is not "more likely than not" that the fair value of a reporting unit is less than its carrying amount, it need not perform a two-step impairment test. If the Company's qualitative assessment concluded that it is "more likely than not" that the fair value of its reporting unit is less than its carrying amount, it must perform the two-step impairment test to identify potential goodwill impairment and measure the amount of goodwill impairment loss to be recognized, if any. The first step of the goodwill impairment test compares the estimated fair value of the reporting unit with its carrying amount, or the book value, including goodwill. If the estimated fair value of the reporting unit equals or exceeds its book value, goodwill is considered not impaired, and the second step of the impairment test is unnecessary. The second step, if necessary, measures the amount of goodwill impairment loss to be recognized. The reporting unit must determine fair value for all assets and liabilities, excluding goodwill. The net of the assigned fair value of assets and liabilities is then compared to the book value of the reporting unit, and any excess book value becomes the implied fair value of goodwill. If the carrying amount of the goodwill exceeds the newly calculated implied fair value of goodwill, an impairment loss is recognized in the amount required to write-down the goodwill to the implied fair value. Management's qualitative assessment takes into consideration macroeconomic conditions, industry and market considerations, cost or margin factors, financial performance and share price of the Company's common stock. The Company performed its fiscal year 2021 goodwill impairment test during the quarter ended June 30, 2021. Based on this assessment, the Company determined that it is not "more likely than not" that the Company's fair value is less than its carrying amount, and, therefore, goodwill was determined not to be impaired at May 31, 2021. A significant amount of judgment is involved in determining if an indicator of goodwill impairment has occurred. Such indicators may include, among others: a significant decline in expected future cash flows; a sustained, significant decline in the Company's stock price and market capitalization; a significant adverse change in legal factors or in the business climate; adverse assessment or action by a regulator; and unanticipated competition. Any change in these indicators could have a significant negative impact on the Company's financial condition, impact the goodwill impairment analysis or cause the Company to perform a goodwill impairment analysis more frequently than once per year. As of March 31, 2022, management believes that there have been no events or changes in the circumstances since May 31, 2021 that would indicate a potential impairment of goodwill. No assurances can be given, however, that the Company will not record an impairment loss on goodwill in the future. If adverse economic conditions or decreases in the Company's stock price and market capitalization as a result of the novel coronavirus of 2019 ("COVID-19") pandemic were to be deemed to be other than temporary, it may significantly affect the fair value of the Company's goodwill and may trigger impairment charges. Any impairment charge could have a material adverse effect on the Company's results of operations and financial condition. The recorded amount of goodwill at March 31, 2022 and September 30, 2021 remained unchanged at $15.13 million.

Loans Receivable And Allowance

Loans Receivable And Allowance For Loan Losses	6 Months Ended
	Mar. 31, 2022
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Loans Receivable And Allowance For Loan Losses	LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Loans receivable by portfolio segment consisted of the following at March 31, 2022 and September 30, 2021 (dollars in thousands): March 31, September 30, Amount Percent Amount Percent Mortgage loans: One- to four-family (1) $ 133,925 11.6 % $ 119,935 11.1 % Multi-family 82,526 7.2 87,563 8.1 Commercial 523,479 45.5 470,650 43.5 Construction - custom and owner/builder 114,394 9.9 109,152 10.1 Construction - speculative one- to four-family 15,438 1.3 17,813 1.6 Construction - commercial 35,416 3.1 43,365 4.0 Construction - multi-family 64,141 5.6 52,071 4.8 Construction - land development 10,687 0.9 10,804 1.0 Land 22,192 1.9 19,936 1.8 Total mortgage loans 1,002,198 87.0 931,289 86.0 Consumer loans: Home equity and second mortgage 32,980 2.9 32,988 3.1 Other 2,277 0.2 2,512 0.2 Total consumer loans 35,257 3.1 35,500 3.3 Commercial loans: Commercial business 108,644 9.4 74,579 6.9 U.S. Small Business Administration ("SBA") Paycheck Protection Program ("PPP") loans 5,934 0.5 40,922 3.8 Total commercial loans 114,578 9.9 % 115,501 10.7 Total loans receivable 1,152,033 100.0 % 1,082,290 100.0 % Less: Undisbursed portion of construction loans in process 100,719 95,224 Deferred loan origination fees, net 3,801 5,143 Allowance for loan losses 13,433 13,469 Subtotal 117,953 113,836 Loans receivable, net $ 1,034,080 $ 968,454 _____________________________ (1) Does not include one- to four-family loans held for sale totaling $2,772 and $3,217 at March 31, 2022 and September 30, 2021, respectively. Loans receivable at March 31, 2022 and September 30, 2021 are reported net of unamortized discounts totaling $358,000 and $449,000, respectively. Allowance for Loan Losses The following tables set forth information for the three and six months ended March 31, 2022 and 2021 regarding activity in the allowance for loan losses by portfolio segment (dollars in thousands): Three Months Ended March 31, 2022 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One- to four-family $ 1,237 $ 10 $ — $ — $ 1,247 Multi-family 748 (13) — — 735 Commercial 6,807 124 — — 6,931 Construction – custom and owner/builder 671 15 — — 686 Construction – speculative one- to four-family 153 (27) — — 126 Construction – commercial 593 (130) — — 463 Construction – multi-family 460 (24) — — 436 Construction – land development 157 (31) — — 126 Land 435 (58) — — 377 Consumer loans: Home equity and second mortgage 532 (63) — — 469 Other 48 (4) (1) 1 44 Commercial business loans 1,627 201 (49) 14 1,793 Total $ 13,468 $ — $ (50) $ 15 $ 13,433 Six Months Ended March 31, 2022 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One-to four-family $ 1,154 $ 93 $ — $ — $ 1,247 Multi-family 765 (30) — — 735 Commercial 6,813 118 — — 6,931 Construction – custom and owner/builder 644 42 — — 686 Construction – speculative one- to four-family 188 (62) — — 126 Construction – commercial 784 (321) — — 463 Construction – multi-family 436 — — — 436 Construction – land development 124 2 — — 126 Land 470 (93) — — 377 Consumer loans: Home equity and second mortgage 528 (59) — — 469 Other 50 (5) (2) 1 44 Commercial business loans 1,513 315 (49) 14 1,793 Total $ 13,469 $ — $ (51) $ 15 $ 13,433 Three Months Ended March 31, 2021 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One- to four-family $ 1,135 $ 16 $ — $ — $ 1,151 Multi-family 757 27 — — 784 Commercial 7,136 102 — — 7,238 Construction – custom and owner/builder 770 (75) — — 695 Construction – speculative one- to four-family 182 (34) — — 148 Construction – commercial 558 156 — — 714 Construction – multi-family 186 137 — — 323 Construction – land development 123 (104) — — 19 Land 474 (72) — 5 407 Consumer loans: Home equity and second mortgage 605 (53) — — 552 Other 57 — (1) — 56 Commercial business loans 1,449 (100) (2) — 1,347 Total $ 13,432 $ — $ (3) $ 5 $ 13,434 Six Months Ended March 31, 2021 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One-to four-family $ 1,163 $ (12) $ — $ — $ 1,151 Multi-family 718 66 — — 784 Commercial 7,144 94 — — 7,238 Construction – custom and owner/builder 832 (137) — — 695 Construction – speculative one- to four-family 158 (10) — — 148 Construction – commercial 420 294 — — 714 Construction – multi-family 238 85 — — 323 Construction – land development 133 (114) — — 19 Land 572 (175) — 10 407 Consumer loans: Home equity and second mortgage 593 (41) — — 552 Other 71 (18) (1) 4 56 Commercial business loans 1,372 (32) (2) 9 1,347 Total $ 13,414 $ — $ (3) $ 23 $ 13,434 The following tables present information on the loans evaluated individually and collectively for impairment in the allowance for loan losses by portfolio segment at March 31, 2022 and September 30, 2021 (dollars in thousands): Allowance for Loan Losses Recorded Investment in Loans Individually Collectively Total Individually Collectively Total March 31, 2022 Mortgage loans: One- to four-family $ — $ 1,247 $ 1,247 $ 578 $ 133,347 $ 133,925 Multi-family — 735 735 — 82,526 82,526 Commercial — 6,931 6,931 3,023 520,456 523,479 Construction – custom and owner/builder — 686 686 — 68,530 68,530 Construction – speculative one- to four-family — 126 126 — 7,634 7,634 Construction – commercial — 463 463 — 28,005 28,005 Construction – multi-family — 436 436 — 29,048 29,048 Construction – land development — 126 126 — 6,140 6,140 Land — 377 377 723 21,469 22,192 Consumer loans: Home equity and second mortgage — 469 469 413 32,567 32,980 Other — 44 44 5 2,272 2,277 Commercial business loans 127 1,666 1,793 405 108,239 108,644 SBA PPP loans — — — — 5,934 5,934 Total $ 127 $ 13,306 $ 13,433 $ 5,147 $ 1,046,167 $ 1,051,314 September 30, 2021 Mortgage loans: One- to four-family $ — $ 1,154 $ 1,154 $ 407 $ 119,528 $ 119,935 Multi-family — 765 765 — 87,563 87,563 Commercial — 6,813 6,813 3,143 467,507 470,650 Construction – custom and owner/builder — 644 644 — 61,003 61,003 Construction – speculative one- to four-family — 188 188 — 9,657 9,657 Construction – commercial — 784 784 — 38,931 38,931 Construction – multi-family — 436 436 — 22,888 22,888 Construction – land development — 124 124 — 5,502 5,502 Land 76 394 470 683 19,253 19,936 Consumer loans: Home equity and second mortgage — 528 528 516 32,472 32,988 Other — 50 50 17 2,495 2,512 Commercial business loans 171 1,342 1,513 458 74,121 74,579 SBA PPP loans — — — — 40,922 40,922 Total $ 247 $ 13,222 $ 13,469 $ 5,224 $ 981,842 $ 987,066 The following tables present an analysis of loans by aging category and portfolio segment at March 31, 2022 and September 30, 2021 (dollars in thousands): 30–59 60-89 Non- Past Due Total Current Total March 31, 2022 Mortgage loans: One- to four-family $ — $ — $ 578 $ — $ 578 $ 133,347 $ 133,925 Multi-family — — — — — 82,526 82,526 Commercial 215 8 671 — 894 522,585 523,479 Construction – custom and owner/builder — — — — — 68,530 68,530 Construction – speculative one- to four-family — — — — — 7,634 7,634 Construction – commercial — — — — — 28,005 28,005 Construction – multi-family — — — — — 29,048 29,048 Construction – land development — — — — — 6,140 6,140 Land — — 723 — 723 21,469 22,192 Consumer loans: Home equity and second mortgage 67 — 269 — 336 32,644 32,980 Other — — 5 — 5 2,272 2,277 Commercial business loans — — 405 — 405 108,239 108,644 SBA PPP loans — — — — — 5,934 5,934 Total $ 282 $ 8 $ 2,651 $ — $ 2,941 $ 1,048,373 $ 1,051,314 September 30, 2021 Mortgage loans: One- to four-family $ — $ 180 $ 407 $ — $ 587 $ 119,348 $ 119,935 Multi-family — — — — — 87,563 87,563 Commercial — — 773 — 773 469,877 470,650 Construction – custom and owner/builder — — — — — 61,003 61,003 Construction – speculative one- to four-family — — — — — 9,657 9,657 Construction – commercial — — — — — 38,931 38,931 Construction – multi-family — — — — — 22,888 22,888 Construction – land development — — — — — 5,502 5,502 Land — — 683 — 683 19,253 19,936 Consumer loans: Home equity and second mortgage — — 516 — 516 32,472 32,988 Other — — 17 — 17 2,495 2,512 Commercial business loans 5 458 463 74,116 74,579 SBA PPP loans — — — — — 40,922 40,922 Total $ 5 $ 180 $ 2,854 $ — $ 3,039 $ 984,027 $ 987,066 ______________________ (1) Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual. Credit Quality Indicators The Company uses credit risk grades which reflect the Company’s assessment of a loan’s risk or loss potential. The Company categorizes loans into risk grade categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors such as the estimated fair value of the collateral. The Company uses the following definitions for credit risk ratings as part of the on-going monitoring of the credit quality of its loan portfolio: Pass: Pass loans are defined as those loans that meet acceptable quality underwriting standards. Watch: Watch loans are defined as those loans that still exhibit acceptable quality, but have some concerns that justify greater attention. If these concerns are not corrected, a potential for further adverse categorization exists. These concerns could relate to a specific condition peculiar to the borrower, its industry segment or the general economic environment. Special Mention: Special mention loans are defined as those loans deemed by management to have some potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in the deterioration of the payment prospects of the loan. Substandard: Substandard loans are defined as those loans that are inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the repayment of the debt. If the weakness or weaknesses are not corrected, there is the distinct possibility that some loss will be sustained. Doubtful: Loans in this classification have the weaknesses of substandard loans with the additional characteristic that the weaknesses make the collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss. At March 31, 2022 and September 30, 2021, there were no loans classified as doubtful. Loss: Loans in this classification are considered uncollectible and of such little value that continuance as bankable assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this loan even though partial recovery may be realized in the future. At March 31, 2022 and September 30, 2021, there were no loans classified as loss. The following tables present an analysis of loans by credit quality indicator and portfolio segment at March 31, 2022 and September 30, 2021 (dollars in thousands): Loan Grades March 31, 2022 Pass Watch Special Substandard Total Mortgage loans: One- to four-family $ 133,298 $ 45 $ — $ 582 $ 133,925 Multi-family 82,526 — — — 82,526 Commercial 511,127 3,418 2,915 6,019 523,479 Construction – custom and owner/builder 67,692 838 — — 68,530 Construction – speculative one- to four-family 7,634 — — — 7,634 Construction – commercial 26,488 — 1,517 — 28,005 Construction – multi-family 29,048 — — — 29,048 Construction – land development 6,109 — — 31 6,140 Land 20,929 540 — 723 22,192 Consumer loans: Home equity and second mortgage 32,355 144 — 481 32,980 Other 2,207 65 — 5 2,277 Commercial business loans 108,199 — — 445 108,644 SBA PPP loans 5,934 — — — 5,934 Total $ 1,033,546 $ 5,050 $ 4,432 $ 8,286 $ 1,051,314 September 30, 2021 Mortgage loans: One- to four-family $ 118,857 $ 129 $ 537 $ 412 $ 119,935 Multi-family 87,563 — — — 87,563 Commercial 456,188 10,285 2,921 1,256 470,650 Construction – custom and owner/builder 59,699 1,304 — — 61,003 Construction – speculative one- to four-family 9,657 — — — 9,657 Construction – commercial 37,414 — 1,517 — 38,931 Construction – multi-family 22,888 — — — 22,888 Construction – land development 5,467 — — 35 5,502 Land 18,648 558 — 730 19,936 Consumer loans: Home equity and second mortgage 32,190 145 — 653 32,988 Other 2,465 30 — 17 2,512 Commercial business loans 73,992 49 37 501 74,579 SBA PPP loans 40,922 — — — 40,922 Total $ 965,950 $ 12,500 $ 5,012 $ 3,604 $ 987,066 Impaired Loans A loan is considered impaired when it is probable that the Company will be unable to collect all amounts (principal and interest) when due according to the contractual terms of the loan agreement. Smaller balance homogeneous loans, such as residential mortgage loans and consumer loans, may be collectively evaluated for impairment. When a loan has been identified as being impaired, the amount of the impairment is measured by using discounted cash flows, except when, as an alternative, the current estimated fair value of the collateral (reduced by estimated costs to sell, if applicable) or observable market price is used. The valuation of real estate collateral is subjective in nature and may be adjusted in future periods because of changes in economic conditions. Management considers third-party appraisals, as well as independent fair market value assessments from realtors or persons involved in selling real estate, in determining the estimated fair value of particular properties. In addition, as certain of these third-party appraisals and independent fair market value assessments are only updated periodically, changes in the values of specific properties may have occurred subsequent to the most recent appraisals. Accordingly, the amounts of any such potential changes and any related adjustments are generally recorded at the time that such information is received. When the estimated net realizable value of the impaired loan is less than the recorded investment in the loan (including accrued interest and net deferred loan origination fees or costs), impairment is recognized by creating or adjusting an allocation of the allowance for loan losses, and uncollected accrued interest is reversed against interest income. If ultimate collection of principal is in doubt, all cash receipts on impaired loans are applied to reduce the principal balance. The categories of non-accrual loans and impaired loans overlap, although they are not identical. The following table is a summary of information related to impaired loans by portfolio segment as of March 31, 2022 and for the three and six months then ended (dollars in thousands): Recorded Unpaid Principal Balance (Loan Balance Plus Charge Off) Related Quarter to Date ("QTD") Average Recorded Investment (1) Year to Date ("YTD") Average Recorded Investment (2) QTD Interest Income Recognized (1) YTD Interest Income Recognized (2) QTD Cash Basis Interest Income Recognized (1) YTD Cash Basis Interest Income Recognized (2) With no related allowance recorded: Mortgage loans: One- to four-family $ 578 $ 621 $ — $ 580 $ 522 $ 8 $ 16 $ 8 $ 16 Commercial 3,023 3,023 — 3,030 3,068 39 79 32 63 Land 723 723 — 518 452 — — — — Consumer loans: Home equity and second mortgage 413 413 — 435 462 1 1 1 1 Other 5 5 — 5 9 — — — — Commercial business loans 156 204 — 158 160 — — — — Subtotal 4,898 4,989 — 4,726 4,673 48 96 41 80 With an allowance recorded: Mortgage loans: Land — — — 181 241 — — — — Commercial business loans 249 249 127 274 281 — — — — Subtotal 249 249 127 455 522 — — — — Total: Mortgage loans: One- to four-family 578 621 — 580 522 8 16 8 16 Commercial 3,023 3,023 — 3,030 3,068 39 79 32 63 Land 723 723 — 699 693 — — — — Consumer loans: Home equity and second mortgage 413 413 — 435 462 1 1 1 1 Other 5 5 — 5 9 — — — — Commercial business loans 405 453 127 432 441 — — — — Total $ 5,147 $ 5,238 $ 127 $ 5,181 $ 5,195 $ 48 $ 96 $ 41 $ 80 ______________________________________________ (1) For the three months ended March 31, 2022. (2) For the six months ended March 31, 2022. Recorded Unpaid Principal Balance (Loan Balance Plus Charge Off) Related YTD YTD Interest YTD Cash Basis Interest Income Recognized (1) With no related allowance recorded: Mortgage loans: One- to four-family $ 407 $ 450 $ — $ 655 $ 58 $ 52 Commercial 3,143 3,143 — 3,039 159 127 Land 321 321 — 292 2 2 Consumer loans: Home equity and second mortgage 516 516 — 552 1 1 Other 17 17 — 12 — — Commercial business loans 164 168 — 200 — — Subtotal 4,568 4,615 — 4,750 220 182 With an allowance recorded: Mortgage loans: One- to four-family — — — 97 — — Land 362 362 76 72 — — Commercial business loans 294 294 171 285 — — Subtotal 656 656 247 454 — — Total Mortgage loans: One- to four-family 407 450 — 752 58 52 Commercial 3,143 3,143 — 3,039 159 127 Land 683 683 76 364 2 2 Consumer loans: Home equity and second mortgage 516 516 — 552 1 1 Other 17 17 — 12 — — Commercial business loans 458 462 171 485 — — Total $ 5,224 $ 5,271 $ 247 $ 5,204 $ 220 $ 182 _____________________________________________ (1) For the year ended September 30, 2021. A troubled debt restructured loan ("TDR") is a loan for which the Company, for reasons related to a borrower’s financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. Examples of such concessions include, but are not limited to: a reduction in the stated interest rate; an extension of the maturity at an interest rate below current market rates; a reduction in the face amount of the debt; a reduction in the accrued interest; or re-amortizations, extensions, deferrals and renewals. TDRs are considered impaired and are individually evaluated for impairment. TDRs are classified as non-accrual (and considered to be non-performing) unless they have been performing in accordance with modified terms for a period of at least six months. The Company had $2.67 million and $2.55 million in TDRs included in impaired loans at March 31, 2022 and September 30, 2021, respectively, and had no commitments at these dates to lend additional funds on these loans. There was no allowance for loan losses allocated to TDRs at March 31, 2022 and September 30, 2021. There were no TDRs for which there was a payment default within the first 12 months of the modification during the six months ended March 31, 2022. The Coronavirus Aid, Relief, and Economic Security Act of 2020, signed into law on March 27, 2020 ("CARES Act"), provided guidance around the modification of loans as a result of the COVID-19 pandemic, which outlined, among other criteria, that short-term modifications made on a good faith basis to borrowers who were current as defined under the CARES Act prior to any relief, are not TDRs. This includes short-term (e.g., six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers are considered current under the CARES Act and related regulatory guidance if they are less than 30 days past due on their contractual payments at the time a modification program is implemented. On December 27, 2020, the Consolidated Appropriations Act, 2021 ("CAA 2021") was signed into law. Among other purposes,the CAA 2021, provided coronavirus emergency response and relief, including extending relief offered under the CARES Act related to restructured loans as a result of COVID-19. The provisions ended on January 1, 2022. In response to requests from borrowers and in accordance with the CARES Act and related regulatory guidance, the Company made payment deferral COVID-19 related modifications (typically 90-day payment deferrals with interest continuing to accrue or scheduled to be paid monthly) on a number of loans. All of these borrowers had resumed making payments as of March 31, 2022. Loan modifications in accordance with the CARES Act and related regulatory guidance are still subject to an evaluation in regard to determining whether or not a loan is deemed to be impaired. There were no loans with COVID-19 loan modifications on deferral status outstanding at March 31, 2022. The following table sets forth information with respect to COVID-19 loan modifications on deferral status at September 30, 2021 (dollars in thousands): COVID-19 Loan Modifications September 30, 2021 Mortgage loans Number Balance Percent One- to four-family 1 $ 323 100.0 % Total COVID-19 Modifications 1 $ 323 100.0 % The following tables set forth information with respect to the Company’s TDRs by interest accrual status as of March 31, 2022 and September 30, 2021 (dollars in thousands): March 31, 2022 Accruing Non- Total Mortgage loans: Commercial $ 2,352 $ — $ 2,352 Land — 113 113 Consumer loans: Home equity and second mortgage 144 59 203 Total $ 2,496 $ 172 $ 2,668 September 30, 2021 Accruing Non- Total Mortgage loans: Commercial $ 2,371 $ — $ 2,371 Land — 119 119 Consumer loans: Home equity and second mortgage — 63 63 Total $ 2,371 $ 182 $ 2,553 There was one new TDR recognized during the six months ended March 31, 2022. There were no new TDRs recognized during the year ended September 30, 2021. The following table sets forth information with respect to the Company's TDRs, by portfolio segment, during the six months ended March 31, 2022: March 31, 2022 Number of Pre-Modification Post- Modification End of Home equity and second mortgage loan (1) 1 $ 136 $ 144 $ 144 Total 1 $ 136 $ 144 $ 144 (1) Modification was a result of an increase in principal balance and a reduction in interest rate and monthly payment.

Leases

Leases	6 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Leases	LEASES The Company adopted the Financial Accounting Standard Board's ("FASB's") Accounting Standards Codification ("ASC") 842, Leases ("ASC 842") on October 1, 2019 and began recording operating lease liabilities and operating lease ROU assets in the consolidated balance sheets. The Company has operating leases for three retail bank branch offices. The ROU assets totaled $2.89 million at October 1, 2019. The Company's leases have remaining lease terms of sixteen months to eleven years, some of which include options to extend the leases for up to five years. The components of lease cost (included in the premises and equipment expense category in the consolidated statements of income) are as follows for the three and six months ended March 31, 2022 and 2021 (dollars in thousands): Three Months Ended March 31, Six Months Ended March 31, Lease cost: 2022 2021 2022 2021 Operating lease cost $ 94 $ 92 $ 188 $ 185 Short-term lease cost — — — — Total lease cost $ 94 $ 92 $ 188 $ 185 The following tables provide supplemental information related to operating leases at or for the three and six months ended March 31, 2022 and 2021 (dollars in thousands): At or For the Three Months Ended March 31, 2022 At or For the Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 87 $ 174 Weighted average remaining lease term-operating leases 8.1 years 8.1 years Weighted average discount rate-operating leases 2.24 % 2.24 % At or For the Three Months Ended March 31, 2021 At or For Six Months Ended March 31, 2021 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 80 $ 160 Weighted average remaining lease term-operating leases 8.8 years 8.8 years Weighted average discount rate-operating leases 2.23 % 2.23 % The Company's leases typically do not contain a discount rate implicit in the lease contracts. As an alternative, the weighted average discount rate used to estimate the present value of future lease payments in calculating the value of the ROU asset and liability was determined by utilizing the September 30, 2019 fixed-rate advances issued by the FHLB, for all leases entered into prior to the October 1, 2019 adoption date. Maturities of operating lease liabilities at March 31, 2022 for future fiscal years are as follows (dollars in thousands): Remainder of 2022 $ 168 2023 310 2024 313 2025 317 2026 284 Thereafter 1,038 Total lease payments 2,430 Less imputed interest 220 Total $ 2,210

Net Income Per Common Share

Net Income Per Common Share	6 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Net Income Per Common Share	NET INCOME PER COMMON SHARE Basic net income per common share is computed by dividing net income to common shareholders by the weighted average number of common shares outstanding during the period without considering any dilutive items. Diluted net income per common share is computed by dividing net income to common shareholders by the weighted average number of common shares and common stock equivalents for items that are dilutive, net of shares assumed to be repurchased using the treasury stock method at the average share price for the Company’s common stock during the period. Common stock equivalents arise from the assumed conversion of outstanding stock options to purchase common stock. Information regarding the calculation of basic and diluted net income per common share for the three and six months ended March 31, 2022 and 2021 is as follows (dollars in thousands, except per share amounts): Three Months Ended March 31, Six Months Ended March 31, 2022 2021 2022 2021 Basic net income per common share computation Numerator – net income $ 5,327 $ 7,251 $ 10,812 $ 14,541 Denominator – weighted average common shares outstanding 8,337,407 8,331,121 8,346,839 8,322,210 Basic net income per common share $ 0.64 $ 0.87 $ 1.30 $ 1.75 Diluted net income per common share computation Numerator – net income $ 5,327 $ 7,251 $ 10,812 $ 14,541 Denominator – weighted average common shares outstanding 8,337,407 8,331,121 8,346,839 8,322,210 Effect of dilutive stock options (1) 84,468 113,677 88,697 106,385 Weighted average common shares outstanding - assuming dilution 8,421,875 8,444,798 8,435,536 8,428,595 Diluted net income per common share $ 0.63 $ 0.86 $ 1.28 $ 1.73 ____________________________________________

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	6 Months Ended
	Mar. 31, 2022
Equity [Abstract]
Accumulated Other Comprehensive Income (Loss)	ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The changes in accumulated other comprehensive income (loss) ("AOCI") by component during the three and six months ended March 31, 2022 and 2021 are as follows (dollars in thousands): Three Months Ended March 31, 2022 Changes in fair value of available for sale securities (1) Changes in OTTI on held to maturity securities (1) Total (1) Balance of AOCI at the beginning of period $ 57 $ (15) $ 42 Other comprehensive income (loss) (152) 3 (149) Balance of AOCI at the end of period $ (95) $ (12) $ (107) Six Months Ended March 31, 2022 Changes in fair value of available for sale securities (1) Changes in OTTI on held to maturity securities (1) Total (1) Balance of AOCI at the beginning of period $ 75 $ (16) $ 59 Other comprehensive income (loss) (170) 4 (166) Balance of AOCI at the end of period $ (95) $ (12) $ (107) Three Months Ended March 31, 2021 Changes in fair value of available for sale securities (1) Changes in OTTI on held to maturity securities (1) Total (1) Balance of AOCI at the beginning of period $ 70 $ (26) $ 44 Other comprehensive income 74 3 77 Balance of AOCI at the end of period $ 144 $ (23) $ 121 Six Months Ended March 31, 2021 Changes in fair value of available for sale securities (1) Changes in OTTI on held to maturity securities (1) Total (1) Balance of AOCI at the beginning of period $ 87 $ (26) $ 61 Other comprehensive income 57 3 60 Balance of AOCI at the end of period $ 144 $ (23) $ 121 __________________________ (1) All amounts are net of income taxes.

Stock Compensation Plans

Stock Compensation Plans	6 Months Ended
	Mar. 31, 2022
Share-based Payment Arrangement, Noncash Expense [Abstract]
Stock Compensation Plans	STOCK COMPENSATION PLANS Under the Company’s 2003 Stock Option Plan, the Company was able to grant options for up to 300,000 shares of common stock to employees, officers, directors and directors emeriti. Under the Company's 2014 Equity Incentive Plan, the Company is able to grant options and awards of restricted stock (with or without performance measures) for up to 352,366 shares of common stock to employees, officers, directors and directors emeriti. Under the Company's 2019 Equity Incentive Plan, the Company is able to grant options and awards or restricted stock (with or without performance measures) for up to 350,000 shares of common stock, of which 300,000 shares are reserved to be awarded to employees, including officers, and 50,000 shares are reserved to be awarded to directors and directors emeriti. Shares issued may be purchased in the open market or may be issued from authorized and unissued shares. The exercise price of each option equals the fair market value of the Company’s common stock on the date of grant. Generally, options and restricted stock vest in 20% annual installments on each of the five At both March 31, 2022 and 2021, there were no unvested restricted stock awards. There were no restricted stock grants awarded during the six months ended March 31, 2022 and 2021. Stock option activity for the six months ended March 31, 2022 and 2021 is summarized as follows: Six Months Ended March 31, 2022 Six Months Ended March 31, 2021 Number of Shares Weighted Number of Shares Weighted Options outstanding, beginning of period 406,815 $ 21.62 395,349 $ 18.45 Exercised (27,470) 12.09 (53,564) 9.70 Granted 1,000 27.25 1,500 19.13 Forfeited (17,170) 25.91 (4,520) 27.57 Options outstanding, end of period 363,175 $ 22.15 338,765 $ 19.71 The fair value of stock options is determined using the Black-Scholes valuation model. The weighted average assumptions for options granted during the six months ended March 31, 2022 were as follows: Expected volatility 34 % Expected life (in years) 5 Expected dividend yield 3.49 % Risk free interest rate 1.22 % Grant date fair value per share $ 5.88 The aggregate intrinsic value of options exercised during the six months ended March 31, 2022 and 2021 was $443,000 and $947,000, respectively. At March 31, 2022, there were 178,670 unvested options with an aggregate grant date fair value of $847,000, all of which the Company assumes will vest. The aggregate intrinsic value of unvested options at March 31, 2022 was $538,000. There were 400 options vested during the six months ended March 31, 2022 with a total fair value of $2,000. At March 31, 2021, there were 158,392 unvested options with an aggregate grant date fair value of $565,000. There were 200 options that vested during the six months ended March 31, 2021 with a total fair value of $1,000. Additional information regarding options outstanding at March 31, 2022 is as follows: Options Outstanding Options Exercisable Range of Number Weighted Weighted Number Weighted Weighted $5.86 - 6.00 4,000 $ 5.93 0.5 4,000 $ 5.93 0.5 9.00 17,500 9.00 1.6 17,500 9.00 1.6 10.26 - 10.71 50,575 10.56 2.9 50,575 10.56 2.9 15.67 - 19.13 89,450 16.53 7.3 36,130 16.05 5.7 26.50 - 27.25 41,700 27.13 7.6 16,280 27.12 7.5 28.23 - 29.69 122,250 28.79 8.0 37,400 29.69 5.5 31.80 37,700 31.80 6.5 22,620 31.80 6.5 363,175 $ 22.15 6.5 184,505 $ 19.33 4.7 The aggregate intrinsic value of options outstanding at March 31, 2022 and 2021 was $2.17 million and $2.99 million , respectively. As of March 31, 2022, unrecognized compensation cost related to unvested stock options was $777,000, which is expected to be recognized over a weighted average life of 2.31 years.

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value Measurements	FAIR VALUE MEASUREMENTS Fair value is defined under GAAP as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. GAAP requires that valuation techniques maximize the use of observable inputs and minimize the use of unobservable inputs. GAAP also establishes a fair value hierarchy which prioritizes the valuation inputs into three broad levels. Based on the underlying inputs, each fair value measurement in its entirety is reported in one of three levels. These levels are: Level 1: Quoted prices (unadjusted) in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 2: Significant observable inputs other than quoted prices included within Level 1, such as quoted prices for similar (as opposed to identical) assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, and inputs other than quoted prices that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability based on the best information available in the circumstances. The Company's assets measured at fair value on a recurring basis consist of investment securities available for sale and investments in equity securities. The estimated fair values of MBS are based upon market prices of similar securities or observable inputs (Level 2). The estimated fair values of mutual funds are based upon quoted market prices (Level 1). The Company had no liabilities measured at fair value on a recurring basis at March 31, 2022 and September 30, 2021. The Company's assets measured at estimated fair value on a recurring basis at March 31, 2022 and September 30, 2021 were as follows (dollars in thousands): March 31, 2022 Estimated Fair Value Level 1 Level 2 Level 3 Total Available for sale investment securities MBS: U.S. government agencies $ — $ 50,624 $ — $ 50,624 Investments in equity securities Mutual funds 902 — — 902 Total $ 902 $ 50,624 $ — $ 51,526 September 30, 2021 Estimated Fair Value Level 1 Level 2 Level 3 Total Available for sale investment securities MBS: U.S. government agencies $ — $ 63,176 $ — $ 63,176 Investments in equity securities Mutual funds 955 — — 955 Total $ 955 $ 63,176 $ — $ 64,131 There were no transfers among Level 1, Level 2 and Level 3 during the six months ended March 31, 2022 and the year ended September 30, 2021. The Company may be required, from time to time, to measure certain assets and liabilities at fair value on a non-recurring basis in accordance with GAAP. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. The Company uses the following methods and significant assumptions to estimate fair value on a non-recurring basis: Impaired Loans : The estimated fair value of impaired loans is calculated using the collateral value method or on a discounted cash flow basis. The specific reserve for collateral dependent impaired loans is based on the estimated fair value of the collateral less estimated costs to sell, if applicable. In some cases, adjustments are made to the appraised values due to various factors including age of the appraisal, age of the comparable collateral included in the appraisal and known changes in the market and in the underlying collateral. Such adjustments may be significant and typically result in a Level 3 classification of the inputs for determining fair value. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Investment Securities Held to Maturity: The estimated fair value of investment securities held to maturity is based upon the assumptions market participants would use in pricing the investment security. Such assumptions include quoted market prices (Level 1), market prices of similar securities or observable inputs (Level 2) and unobservable inputs such as dealer quotes, discounted cash flows or similar techniques (Level 3). OREO and Other Repossessed Assets, net: OREO and other repossessed assets are recorded at estimated fair value less estimated costs to sell. Estimated fair value is generally determined by management based on a number of factors, including third-party appraisals of estimated fair value in an orderly sale. Estimated costs to sell are based on standard market factors. The valuation of OREO and other repossessed assets is subject to significant external and internal judgment (Level 3). The following table summarizes the balances of assets measured at estimated fair value on a non-recurring basis at March 31, 2022 (dollars in thousands): Estimated Fair Value Level 1 Level 2 Level 3 Impaired loans: Commercial business loans $ — $ — $ 122 Total impaired loans — — 122 Investment securities – held to maturity: MBS - private label residential — 1 — OREO and other repossessed assets — — 157 Total $ — $ 1 $ 279 The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis as of March 31, 2022 (dollars in thousands): Estimated Valuation Unobservable Input(s) Range Impaired loans $ 122 Market approach Appraised value less estimated selling costs NA OREO and other repossessed assets $ 157 Market approach Lower of appraised value or listing price less estimated selling costs NA The following table summarizes the balances of assets measured at estimated fair value on a non-recurring basis at September 30, 2021 (dollars in thousands): Estimated Fair Value Level 1 Level 2 Level 3 Impaired loans: Mortgage loans: Land $ — $ — $ 286 Commercial business loans — — 123 Total impaired loans — — 409 Investment securities – held to maturity: MBS - private label residential — 10 — OREO and other repossessed assets — — 157 Total $ — $ 10 $ 566 The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis as of September 30, 2021 (dollars in thousands): Estimated Valuation Unobservable Input(s) Range Impaired loans $ 409 Market approach Appraised value less estimated selling costs NA OREO and other repossessed assets $ 157 Market approach Lower of appraised value or listing price less estimated selling costs NA GAAP requires disclosure of estimated fair values for certain financial instruments. Such estimates are subjective in nature, and significant judgment is required regarding the risk characteristics of various financial instruments at a discrete point in time. Therefore, such estimates could vary significantly if assumptions regarding uncertain factors were to change. In addition, as the Company normally intends to hold the majority of its financial instruments until maturity, it does not expect to realize many of the estimated amounts disclosed. The disclosures also do not include estimated fair value amounts for certain items which are not defined as financial instruments but for which may have significant value. The Company does not believe that it would be practicable to estimate a representative fair value for these types of items as of March 31, 2022 and September 30, 2021. Because GAAP excludes certain items from fair value disclosure requirements, any aggregation of the fair value amounts presented would not represent the underlying value of the Company. Additionally, in accordance with GAAP, the Company uses the exit price notion in calculating the fair values of financial instruments not measured at fair value on a recurring basis. The recorded amounts and estimated fair values of financial instruments were as follows as of March 31, 2022 and September 30, 2021 (dollars in thousands): March 31, 2022 Fair Value Measurements Using: Recorded Estimated Fair Value Financial assets Cash and cash equivalents $ 492,302 $ 492,302 $ 492,302 $ — $ — CDs held for investment 28,619 28,619 28,619 — — Investment securities 240,029 235,331 137,802 97,529 — Investments in equity securities 902 902 902 — — FHLB stock 2,194 2,194 2,194 — — Other investments 3,000 3,000 3,000 — — Loans held for sale 2,772 2,822 2,822 — — Loans receivable, net 1,034,080 1,042,196 — — 1,042,196 Accrued interest receivable 3,927 3,927 3,927 — — Financial liabilities Certificates of deposit 126,646 127,017 — — 127,017 Accrued interest payable 103 103 103 — — September 30, 2021 Fair Value Measurements Using: Recorded Estimated Fair Value Level 1 Level 2 Level 3 Financial assets Cash and cash equivalents $ 580,196 $ 580,196 $ 580,196 $ — $ — CDs held for investment 28,482 28,482 28,482 — — Investment securities 132,278 133,286 28,670 104,616 — Investments in equity securities 955 955 955 — — FHLB stock 2,103 2,103 2,103 — — Other investments 3,000 3,000 3,000 — — Loans held for sale 3,217 3,290 3,290 — — Loans receivable, net 968,454 981,905 — — 981,905 Accrued interest receivable 3,745 3,745 3,745 — — Financial liabilities Certificates of deposit 134,129 135,178 — — 135,178 Accrued interest payable 134 134 134 — —

Revenue from Contracts with Cus

Revenue from Contracts with Customers Revenue from Contracts with Customers	6 Months Ended
	Mar. 31, 2022
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	REVENUE FROM CONTRACTS WITH CUSTOMERS ASC 606 applies to all contracts with customers to provide goods or services in the ordinary course of business, except for contracts that are specifically excluded from its scope. The majority of the Company's revenues are composed of interest income, deferred loan fee accretion, premium/discount accretion, gains on sales of loans and investments, BOLI net earnings, servicing income on loans sold and other loan fee income, which are not within the scope of ASC 606. Revenue reported as service charges on deposits, ATM and debit card interchange transaction fees, merchant services fees, non-deposit investment fees and escrow fees are within the scope of ASC 606. All of the Company's revenue from contracts with customers within the scope of ASC 60 6 is recognized in non-interest income with the exception of gains on sales of OREO and gains on sales/disposition of premises and equipment, which are included in non-interest expense. For the three months ended March 31, 2022, the Company recognized $1.01 million in service charges on deposits, $1.25 million in ATM and debit card interchange transaction fees, $44,000 in escrow fees, and $8,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. For the six months ended March 31, 2022, the Company recognized $1.93 million in service charges on deposits, $2.52 million in ATM and debit card interchange transaction fees, $123,000 in escrow fees, and $10,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. For the three months ended March 31, 2021, the Company recognized $941,000 in service charges on deposits, $1.24 million in ATM and debit card interchange transaction fees, $74,000 in escrow fees, and $3,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. For the six months ended March 31, 2021, the Company recognized $2.00 million in service charges on deposits, $2.39 million in ATM and debit card interchange transaction fees, $179,000 in escrow fees, and $7,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. If a contract is determined to be within the scope of ASC 606, the Company recognizes revenue when it satisfies its performance obligation. Descriptions of the Company's revenue-generating activities that are within the scope of ASC 606 are as follows: • Service Charges on Deposits: The Company earns fees from its deposit customers from a variety of deposit products and services. Non-transaction based fees such as account maintenance fees and monthly statement fees are considered to be provided to the customer under a day-to-day contract with ongoing renewals. Revenue for these non-transaction fees are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Transaction-based fees such as non-sufficient fund charges, stop payment charges and wire fees are recognized at the time the transaction is executed, as the contract duration does not extend beyond the service performed. • ATM and Debit Card Interchange Transaction Fees: The Company earns fees from cardholder transactions conducted through third-party payment network providers which consist of interchange fees earned from the payment networks as a debit card issuer. These fees are recognized when the transaction occurs, but may settle on a daily or monthly basis. • Escrow Fees: The Company earns fees from real estate escrow contracts with customers. The Company receives and disburses money and/or property according to the customer's contract. Fees are recognized when the escrow contract closes. • Fee Income from Non-deposit Investment Sales: The Company earns fees from contracts with customers for investment activities. Revenues are generally recognized on a monthly basis and are generally based on a percentage of the customer's assets under management or based on investment solutions that are implemented for the customer.

Summary Of Significant Accoun_2

Summary Of Significant Accounting Policies (Policies)	6 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation:  The accompanying unaudited consolidated financial statements of Timberland Bancorp, Inc. and its wholly-owned subsidiary, Timberland Bank (the "Bank") (collectively, "the Company") were prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with instructions for Form 10-Q and, therefore, do not include all disclosures necessary for a complete presentation of consolidated financial condition, results of operations, and cash flows in conformity with GAAP. However, all adjustments which are, in the opinion of management, necessary for a fair presentation of the interim consolidated financial statements have been included.  All such adjustments are of a normal recurring nature. The unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended September 30, 2021 (“2021 Form 10-K”).  The unaudited consolidated results of operations for the six months ended March 31, 2022 are not necessarily indicative of the results that may be expected for the entire fiscal year ending September 30, 2022.
Principles of Consolidation	Principles of Consolidation:  The unaudited consolidated financial statements include the accounts of the Company and the Bank’s wholly-owned subsidiary, Timberland Service Corporation.   All significant inter-company transactions and balances have been eliminated in consolidation.
Operating Segment	Operating Segment:  The Company has one reportable operating segment which is defined as community banking in western Washington under the operating name, "Timberland Bank."
Use of Estimates	The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect reported amounts of assets and liabilities, and the disclosure of contingent assets and liabilities, as of the date of the consolidated balance sheets, and the reported amounts of income and expenses during the reporting period.  Actual results could differ from those estimates.
Reclassification	Certain prior period amounts have been reclassified to conform to the March 31, 2022 presentation with no change to previously reported net income or total shareholders’ equity.
Revenue from Contract with Customer	ASC 606 applies to all contracts with customers to provide goods or services in the ordinary course of business, except for contracts that are specifically excluded from its scope. The majority of the Company's revenues are composed of interest income, deferred loan fee accretion, premium/discount accretion, gains on sales of loans and investments, BOLI net earnings, servicing income on loans sold and other loan fee income, which are not within the scope of ASC 606. Revenue reported as service charges on deposits, ATM and debit card interchange transaction fees, merchant services fees, non-deposit investment fees and escrow fees are within the scope of ASC 606. All of the Company's revenue from contracts with customers within the scope of ASC 60 6 is recognized in non-interest income with the exception of gains on sales of OREO and gains on sales/disposition of premises and equipment, which are included in non-interest expense. For the three months ended March 31, 2022, the Company recognized $1.01 million in service charges on deposits, $1.25 million in ATM and debit card interchange transaction fees, $44,000 in escrow fees, and $8,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. For the six months ended March 31, 2022, the Company recognized $1.93 million in service charges on deposits, $2.52 million in ATM and debit card interchange transaction fees, $123,000 in escrow fees, and $10,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. For the three months ended March 31, 2021, the Company recognized $941,000 in service charges on deposits, $1.24 million in ATM and debit card interchange transaction fees, $74,000 in escrow fees, and $3,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. For the six months ended March 31, 2021, the Company recognized $2.00 million in service charges on deposits, $2.39 million in ATM and debit card interchange transaction fees, $179,000 in escrow fees, and $7,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. If a contract is determined to be within the scope of ASC 606, the Company recognizes revenue when it satisfies its performance obligation. Descriptions of the Company's revenue-generating activities that are within the scope of ASC 606 are as follows: • Service Charges on Deposits: The Company earns fees from its deposit customers from a variety of deposit products and services. Non-transaction based fees such as account maintenance fees and monthly statement fees are considered to be provided to the customer under a day-to-day contract with ongoing renewals. Revenue for these non-transaction fees are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Transaction-based fees such as non-sufficient fund charges, stop payment charges and wire fees are recognized at the time the transaction is executed, as the contract duration does not extend beyond the service performed. • ATM and Debit Card Interchange Transaction Fees: The Company earns fees from cardholder transactions conducted through third-party payment network providers which consist of interchange fees earned from the payment networks as a debit card issuer. These fees are recognized when the transaction occurs, but may settle on a daily or monthly basis. • Escrow Fees: The Company earns fees from real estate escrow contracts with customers. The Company receives and disburses money and/or property according to the customer's contract. Fees are recognized when the escrow contract closes. • Fee Income from Non-deposit Investment Sales: The Company earns fees from contracts with customers for investment activities. Revenues are generally recognized on a monthly basis and are generally based on a percentage of the customer's assets under management or based on investment solutions that are implemented for the customer.

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Mar. 31, 2022
Investments [Abstract]
Marketable Securities	Held to maturity and available for sale investment securities have been classified according to management’s intent and were as follows as of March 31, 2022 and September 30, 2021 (dollars in thousands): Amortized Gross Gross Estimated March 31, 2022 Held to maturity U.S. Treasury and U.S. government agency securities $ 141,927 $ 24 $ (4,150) $ 137,801 Mortgage-backed securities ("MBS"): U.S. government agencies 21,858 215 (508) 21,565 Private label residential 25,120 273 (542) 24,851 Bank issued trust preferred securities 500 — (10) 490 Total $ 189,405 $ 512 $ (5,210) $ 184,707 Available for sale MBS: U.S. government agencies $ 50,745 $ 105 $ (226) $ 50,624 Total $ 50,745 $ 105 $ (226) $ 50,624 September 30, 2021 Held to maturity U.S. Treasury and U.S. government agency securities $ 28,760 $ 8 $ (99) $ 28,669 MBS: U.S. government agencies 25,913 936 (122) 26,727 Private label residential 13,929 302 (23) 14,208 Bank issued trust preferred securities 500 5 — 505 Total $ 69,102 $ 1,251 $ (244) $ 70,109 Available for sale MBS: U.S. government agencies $ 63,080 $ 210 $ (114) $ 63,176 Total $ 63,080 $ 210 $ (114) $ 63,176
Unrealized Gain (Loss) on Investments	Held to maturity and available for sale investment securities with unrealized losses were as follows as of March 31, 2022 (dollars in thousands): Less Than 12 Months 12 Months or Longer Total Estimated Gross Quantity Estimated Gross Quantity Estimated Gross Held to maturity U.S. Treasury and U.S. government agency securities $ 127,757 $ (4,150) 23 $ — $ — 1 $ 127,757 $ (4,150) MBS: U.S. government agencies 8,405 (507) 10 416 (1) 4 8,821 (508) Private label residential 21,091 (505) 15 3,356 (37) 1 24,447 (542) Bank issued trust preferred securities 500 (10) 1 — — — 500 (10) Total $ 157,753 $ (5,172) 49 $ 3,772 $ (38) 6 $ 161,525 $ (5,210) Available for sale MBS: U.S. government agencies $ 12,072 $ (27) 10 $ 17,391 $ (199) 10 $ 29,463 $ (226) Total $ 12,072 $ (27) 10 $ 17,391 $ (199) 10 $ 29,463 $ (226) Held to maturity and available for sale investment securities with unrealized losses were as follows as of September 30, 2021 (dollars in thousands): Less Than 12 Months 12 Months or Longer Total Estimated Gross Quantity Estimated Gross Quantity Estimated Gross Held to maturity U.S. Treasury and U.S. government agency securities $ 18,795 $ (99) 5 $ — $ — — $ 18,795 $ (99) MBS: U.S. government agencies 8,091 (122) 5 15 — 3 8,106 (122) Private label residential 9,712 (23) 4 1 — 1 9,713 (23) Total $ 36,598 $ (244) 14 $ 16 $ — 4 $ 36,614 $ (244) Available for sale MBS: U.S. government agencies $ 20,146 $ (103) 13 $ 5,491 $ (11) 3 $ 25,637 $ (114) Total $ 20,146 $ (103) 13 $ 5,491 $ (11) 3 $ 25,637 $ (114)
Schedule of Significant Inputs Utilized to Measure Estimate of Credit Loss Component on OTTI Securities	The following table presents a summary of the significant inputs utilized to measure management’s estimates of the credit loss component on OTTI securities as of March 31, 2022 and 2021: Range Weighted Minimum Maximum Average March 31, 2022 Constant prepayment rate 6.00 % 15.00 % 8.37 % Collateral default rate 0.53 % 21.55 % 10.53 % Loss severity rate — % 8.53 % 3.72 % March 31, 2021 Constant prepayment rate 6.00 % 15.00 % 13.18 % Collateral default rate 1.73 % 28.92 % 13.94 % Loss severity rate — % 18.93 % 5.79 %
Other than Temporary Impairment, Credit Losses Recognized in Earnings	The following table presents the OTTI recoveries for the three and six months ended March 31, 2022 and 2021 (dollars in thousands): Three Months Ended Three Months Ended Held To Held To Total recoveries $ 3 $ 3 Net recoveries recognized in earnings (1) $ 3 $ 3 Six Months Ended Six Months Ended Held To Held To Total recoveries $ 11 $ 8 Net recoveries recognized in earnings (1) $ 11 $ 8 _________________ (1) Represents OTTI related to credit losses. The following table presents a roll forward of the credit loss component of held to maturity and available for sale debt securities that have been written down for OTTI with the credit loss component recognized in earnings for the six months ended March 31, 2022 and 2021 (dollars in thousands): Six Months Ended 2022 2021 Beginning balance of credit loss $ 853 $ 885 Additions (subtractions): Net realized gain (losses) previously recorded as credit losses 1 (5) Recovery of prior credit loss (8) (8) Ending balance of credit loss $ 846 $ 872
Schedule of Contractual Maturities of Debt Securities	The contractual maturities of debt securities at March 31, 2022 were as follows (dollars in thousands). Expected maturities may differ from scheduled maturities due to the prepayment of principal or call provisions. Held to Maturity Available for Sale Amortized Estimated Amortized Estimated Due after one year to five years 109,829 105,932 3,622 3,616 Due after five years to ten years 50,532 50,333 12,062 12,047 Due after ten years 29,044 28,442 35,061 34,961 Total $ 189,405 $ 184,707 $ 50,745 $ 50,624

Loans Receivable And Allowanc_2

Loans Receivable And Allowance For Loan Losses (Tables)	6 Months Ended
	Mar. 31, 2022
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Schedule of Loans receivable and Loans held for sale	Loans receivable by portfolio segment consisted of the following at March 31, 2022 and September 30, 2021 (dollars in thousands): March 31, September 30, Amount Percent Amount Percent Mortgage loans: One- to four-family (1) $ 133,925 11.6 % $ 119,935 11.1 % Multi-family 82,526 7.2 87,563 8.1 Commercial 523,479 45.5 470,650 43.5 Construction - custom and owner/builder 114,394 9.9 109,152 10.1 Construction - speculative one- to four-family 15,438 1.3 17,813 1.6 Construction - commercial 35,416 3.1 43,365 4.0 Construction - multi-family 64,141 5.6 52,071 4.8 Construction - land development 10,687 0.9 10,804 1.0 Land 22,192 1.9 19,936 1.8 Total mortgage loans 1,002,198 87.0 931,289 86.0 Consumer loans: Home equity and second mortgage 32,980 2.9 32,988 3.1 Other 2,277 0.2 2,512 0.2 Total consumer loans 35,257 3.1 35,500 3.3 Commercial loans: Commercial business 108,644 9.4 74,579 6.9 U.S. Small Business Administration ("SBA") Paycheck Protection Program ("PPP") loans 5,934 0.5 40,922 3.8 Total commercial loans 114,578 9.9 % 115,501 10.7 Total loans receivable 1,152,033 100.0 % 1,082,290 100.0 % Less: Undisbursed portion of construction loans in process 100,719 95,224 Deferred loan origination fees, net 3,801 5,143 Allowance for loan losses 13,433 13,469 Subtotal 117,953 113,836 Loans receivable, net $ 1,034,080 $ 968,454 _____________________________ (1) Does not include one- to four-family loans held for sale totaling $2,772 and $3,217 at March 31, 2022 and September 30, 2021, respectively.
Schedule of Allowance for Loan Losses	The following tables set forth information for the three and six months ended March 31, 2022 and 2021 regarding activity in the allowance for loan losses by portfolio segment (dollars in thousands): Three Months Ended March 31, 2022 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One- to four-family $ 1,237 $ 10 $ — $ — $ 1,247 Multi-family 748 (13) — — 735 Commercial 6,807 124 — — 6,931 Construction – custom and owner/builder 671 15 — — 686 Construction – speculative one- to four-family 153 (27) — — 126 Construction – commercial 593 (130) — — 463 Construction – multi-family 460 (24) — — 436 Construction – land development 157 (31) — — 126 Land 435 (58) — — 377 Consumer loans: Home equity and second mortgage 532 (63) — — 469 Other 48 (4) (1) 1 44 Commercial business loans 1,627 201 (49) 14 1,793 Total $ 13,468 $ — $ (50) $ 15 $ 13,433 Six Months Ended March 31, 2022 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One-to four-family $ 1,154 $ 93 $ — $ — $ 1,247 Multi-family 765 (30) — — 735 Commercial 6,813 118 — — 6,931 Construction – custom and owner/builder 644 42 — — 686 Construction – speculative one- to four-family 188 (62) — — 126 Construction – commercial 784 (321) — — 463 Construction – multi-family 436 — — — 436 Construction – land development 124 2 — — 126 Land 470 (93) — — 377 Consumer loans: Home equity and second mortgage 528 (59) — — 469 Other 50 (5) (2) 1 44 Commercial business loans 1,513 315 (49) 14 1,793 Total $ 13,469 $ — $ (51) $ 15 $ 13,433 Three Months Ended March 31, 2021 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One- to four-family $ 1,135 $ 16 $ — $ — $ 1,151 Multi-family 757 27 — — 784 Commercial 7,136 102 — — 7,238 Construction – custom and owner/builder 770 (75) — — 695 Construction – speculative one- to four-family 182 (34) — — 148 Construction – commercial 558 156 — — 714 Construction – multi-family 186 137 — — 323 Construction – land development 123 (104) — — 19 Land 474 (72) — 5 407 Consumer loans: Home equity and second mortgage 605 (53) — — 552 Other 57 — (1) — 56 Commercial business loans 1,449 (100) (2) — 1,347 Total $ 13,432 $ — $ (3) $ 5 $ 13,434 Six Months Ended March 31, 2021 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One-to four-family $ 1,163 $ (12) $ — $ — $ 1,151 Multi-family 718 66 — — 784 Commercial 7,144 94 — — 7,238 Construction – custom and owner/builder 832 (137) — — 695 Construction – speculative one- to four-family 158 (10) — — 148 Construction – commercial 420 294 — — 714 Construction – multi-family 238 85 — — 323 Construction – land development 133 (114) — — 19 Land 572 (175) — 10 407 Consumer loans: Home equity and second mortgage 593 (41) — — 552 Other 71 (18) (1) 4 56 Commercial business loans 1,372 (32) (2) 9 1,347 Total $ 13,414 $ — $ (3) $ 23 $ 13,434
Schedule of loans evaluated individually for impairment and collectively evaluated for impairment in the allowance for loan losses	The following tables present information on the loans evaluated individually and collectively for impairment in the allowance for loan losses by portfolio segment at March 31, 2022 and September 30, 2021 (dollars in thousands): Allowance for Loan Losses Recorded Investment in Loans Individually Collectively Total Individually Collectively Total March 31, 2022 Mortgage loans: One- to four-family $ — $ 1,247 $ 1,247 $ 578 $ 133,347 $ 133,925 Multi-family — 735 735 — 82,526 82,526 Commercial — 6,931 6,931 3,023 520,456 523,479 Construction – custom and owner/builder — 686 686 — 68,530 68,530 Construction – speculative one- to four-family — 126 126 — 7,634 7,634 Construction – commercial — 463 463 — 28,005 28,005 Construction – multi-family — 436 436 — 29,048 29,048 Construction – land development — 126 126 — 6,140 6,140 Land — 377 377 723 21,469 22,192 Consumer loans: Home equity and second mortgage — 469 469 413 32,567 32,980 Other — 44 44 5 2,272 2,277 Commercial business loans 127 1,666 1,793 405 108,239 108,644 SBA PPP loans — — — — 5,934 5,934 Total $ 127 $ 13,306 $ 13,433 $ 5,147 $ 1,046,167 $ 1,051,314 September 30, 2021 Mortgage loans: One- to four-family $ — $ 1,154 $ 1,154 $ 407 $ 119,528 $ 119,935 Multi-family — 765 765 — 87,563 87,563 Commercial — 6,813 6,813 3,143 467,507 470,650 Construction – custom and owner/builder — 644 644 — 61,003 61,003 Construction – speculative one- to four-family — 188 188 — 9,657 9,657 Construction – commercial — 784 784 — 38,931 38,931 Construction – multi-family — 436 436 — 22,888 22,888 Construction – land development — 124 124 — 5,502 5,502 Land 76 394 470 683 19,253 19,936 Consumer loans: Home equity and second mortgage — 528 528 516 32,472 32,988 Other — 50 50 17 2,495 2,512 Commercial business loans 171 1,342 1,513 458 74,121 74,579 SBA PPP loans — — — — 40,922 40,922 Total $ 247 $ 13,222 $ 13,469 $ 5,224 $ 981,842 $ 987,066
Past Due Status of Loans Receivable	The following tables present an analysis of loans by aging category and portfolio segment at March 31, 2022 and September 30, 2021 (dollars in thousands): 30–59 60-89 Non- Past Due Total Current Total March 31, 2022 Mortgage loans: One- to four-family $ — $ — $ 578 $ — $ 578 $ 133,347 $ 133,925 Multi-family — — — — — 82,526 82,526 Commercial 215 8 671 — 894 522,585 523,479 Construction – custom and owner/builder — — — — — 68,530 68,530 Construction – speculative one- to four-family — — — — — 7,634 7,634 Construction – commercial — — — — — 28,005 28,005 Construction – multi-family — — — — — 29,048 29,048 Construction – land development — — — — — 6,140 6,140 Land — — 723 — 723 21,469 22,192 Consumer loans: Home equity and second mortgage 67 — 269 — 336 32,644 32,980 Other — — 5 — 5 2,272 2,277 Commercial business loans — — 405 — 405 108,239 108,644 SBA PPP loans — — — — — 5,934 5,934 Total $ 282 $ 8 $ 2,651 $ — $ 2,941 $ 1,048,373 $ 1,051,314 September 30, 2021 Mortgage loans: One- to four-family $ — $ 180 $ 407 $ — $ 587 $ 119,348 $ 119,935 Multi-family — — — — — 87,563 87,563 Commercial — — 773 — 773 469,877 470,650 Construction – custom and owner/builder — — — — — 61,003 61,003 Construction – speculative one- to four-family — — — — — 9,657 9,657 Construction – commercial — — — — — 38,931 38,931 Construction – multi-family — — — — — 22,888 22,888 Construction – land development — — — — — 5,502 5,502 Land — — 683 — 683 19,253 19,936 Consumer loans: Home equity and second mortgage — — 516 — 516 32,472 32,988 Other — — 17 — 17 2,495 2,512 Commercial business loans 5 458 463 74,116 74,579 SBA PPP loans — — — — — 40,922 40,922 Total $ 5 $ 180 $ 2,854 $ — $ 3,039 $ 984,027 $ 987,066 ______________________ (1) Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual.
Financing Receivable Credit Quality Indicators	The following tables present an analysis of loans by credit quality indicator and portfolio segment at March 31, 2022 and September 30, 2021 (dollars in thousands): Loan Grades March 31, 2022 Pass Watch Special Substandard Total Mortgage loans: One- to four-family $ 133,298 $ 45 $ — $ 582 $ 133,925 Multi-family 82,526 — — — 82,526 Commercial 511,127 3,418 2,915 6,019 523,479 Construction – custom and owner/builder 67,692 838 — — 68,530 Construction – speculative one- to four-family 7,634 — — — 7,634 Construction – commercial 26,488 — 1,517 — 28,005 Construction – multi-family 29,048 — — — 29,048 Construction – land development 6,109 — — 31 6,140 Land 20,929 540 — 723 22,192 Consumer loans: Home equity and second mortgage 32,355 144 — 481 32,980 Other 2,207 65 — 5 2,277 Commercial business loans 108,199 — — 445 108,644 SBA PPP loans 5,934 — — — 5,934 Total $ 1,033,546 $ 5,050 $ 4,432 $ 8,286 $ 1,051,314 September 30, 2021 Mortgage loans: One- to four-family $ 118,857 $ 129 $ 537 $ 412 $ 119,935 Multi-family 87,563 — — — 87,563 Commercial 456,188 10,285 2,921 1,256 470,650 Construction – custom and owner/builder 59,699 1,304 — — 61,003 Construction – speculative one- to four-family 9,657 — — — 9,657 Construction – commercial 37,414 — 1,517 — 38,931 Construction – multi-family 22,888 — — — 22,888 Construction – land development 5,467 — — 35 5,502 Land 18,648 558 — 730 19,936 Consumer loans: Home equity and second mortgage 32,190 145 — 653 32,988 Other 2,465 30 — 17 2,512 Commercial business loans 73,992 49 37 501 74,579 SBA PPP loans 40,922 — — — 40,922 Total $ 965,950 $ 12,500 $ 5,012 $ 3,604 $ 987,066
Impaired Loans Receivable	The following table is a summary of information related to impaired loans by portfolio segment as of March 31, 2022 and for the three and six months then ended (dollars in thousands): Recorded Unpaid Principal Balance (Loan Balance Plus Charge Off) Related Quarter to Date ("QTD") Average Recorded Investment (1) Year to Date ("YTD") Average Recorded Investment (2) QTD Interest Income Recognized (1) YTD Interest Income Recognized (2) QTD Cash Basis Interest Income Recognized (1) YTD Cash Basis Interest Income Recognized (2) With no related allowance recorded: Mortgage loans: One- to four-family $ 578 $ 621 $ — $ 580 $ 522 $ 8 $ 16 $ 8 $ 16 Commercial 3,023 3,023 — 3,030 3,068 39 79 32 63 Land 723 723 — 518 452 — — — — Consumer loans: Home equity and second mortgage 413 413 — 435 462 1 1 1 1 Other 5 5 — 5 9 — — — — Commercial business loans 156 204 — 158 160 — — — — Subtotal 4,898 4,989 — 4,726 4,673 48 96 41 80 With an allowance recorded: Mortgage loans: Land — — — 181 241 — — — — Commercial business loans 249 249 127 274 281 — — — — Subtotal 249 249 127 455 522 — — — — Total: Mortgage loans: One- to four-family 578 621 — 580 522 8 16 8 16 Commercial 3,023 3,023 — 3,030 3,068 39 79 32 63 Land 723 723 — 699 693 — — — — Consumer loans: Home equity and second mortgage 413 413 — 435 462 1 1 1 1 Other 5 5 — 5 9 — — — — Commercial business loans 405 453 127 432 441 — — — — Total $ 5,147 $ 5,238 $ 127 $ 5,181 $ 5,195 $ 48 $ 96 $ 41 $ 80 ______________________________________________ (1) For the three months ended March 31, 2022. (2) For the six months ended March 31, 2022. Recorded Unpaid Principal Balance (Loan Balance Plus Charge Off) Related YTD YTD Interest YTD Cash Basis Interest Income Recognized (1) With no related allowance recorded: Mortgage loans: One- to four-family $ 407 $ 450 $ — $ 655 $ 58 $ 52 Commercial 3,143 3,143 — 3,039 159 127 Land 321 321 — 292 2 2 Consumer loans: Home equity and second mortgage 516 516 — 552 1 1 Other 17 17 — 12 — — Commercial business loans 164 168 — 200 — — Subtotal 4,568 4,615 — 4,750 220 182 With an allowance recorded: Mortgage loans: One- to four-family — — — 97 — — Land 362 362 76 72 — — Commercial business loans 294 294 171 285 — — Subtotal 656 656 247 454 — — Total Mortgage loans: One- to four-family 407 450 — 752 58 52 Commercial 3,143 3,143 — 3,039 159 127 Land 683 683 76 364 2 2 Consumer loans: Home equity and second mortgage 516 516 — 552 1 1 Other 17 17 — 12 — — Commercial business loans 458 462 171 485 — — Total $ 5,224 $ 5,271 $ 247 $ 5,204 $ 220 $ 182 _____________________________________________ (1) For the year ended September 30, 2021.
Schedule Of COVID Loan Modifications	The following table sets forth information with respect to COVID-19 loan modifications on deferral status at September 30, 2021 (dollars in thousands): COVID-19 Loan Modifications September 30, 2021 Mortgage loans Number Balance Percent One- to four-family 1 $ 323 100.0 % Total COVID-19 Modifications 1 $ 323 100.0 %
Schedule of Troubled Debt Restructured Loans by Interest Accrual Status	The following tables set forth information with respect to the Company’s TDRs by interest accrual status as of March 31, 2022 and September 30, 2021 (dollars in thousands): March 31, 2022 Accruing Non- Total Mortgage loans: Commercial $ 2,352 $ — $ 2,352 Land — 113 113 Consumer loans: Home equity and second mortgage 144 59 203 Total $ 2,496 $ 172 $ 2,668 September 30, 2021 Accruing Non- Total Mortgage loans: Commercial $ 2,371 $ — $ 2,371 Land — 119 119 Consumer loans: Home equity and second mortgage — 63 63 Total $ 2,371 $ 182 $ 2,553

Leases (Tables)

Leases (Tables)	6 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Lease, Cost	The components of lease cost (included in the premises and equipment expense category in the consolidated statements of income) are as follows for the three and six months ended March 31, 2022 and 2021 (dollars in thousands): Three Months Ended March 31, Six Months Ended March 31, Lease cost: 2022 2021 2022 2021 Operating lease cost $ 94 $ 92 $ 188 $ 185 Short-term lease cost — — — — Total lease cost $ 94 $ 92 $ 188 $ 185 The following tables provide supplemental information related to operating leases at or for the three and six months ended March 31, 2022 and 2021 (dollars in thousands): At or For the Three Months Ended March 31, 2022 At or For the Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 87 $ 174 Weighted average remaining lease term-operating leases 8.1 years 8.1 years Weighted average discount rate-operating leases 2.24 % 2.24 % At or For the Three Months Ended March 31, 2021 At or For Six Months Ended March 31, 2021 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 80 $ 160 Weighted average remaining lease term-operating leases 8.8 years 8.8 years Weighted average discount rate-operating leases 2.23 % 2.23 %
Lessee, Operating Lease, Liability, Maturity	Maturities of operating lease liabilities at March 31, 2022 for future fiscal years are as follows (dollars in thousands): Remainder of 2022 $ 168 2023 310 2024 313 2025 317 2026 284 Thereafter 1,038 Total lease payments 2,430 Less imputed interest 220 Total $ 2,210

Net Income Per Common Share (Ta

Net Income Per Common Share (Tables)	6 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Schedule of Earnings per Share	Information regarding the calculation of basic and diluted net income per common share for the three and six months ended March 31, 2022 and 2021 is as follows (dollars in thousands, except per share amounts): Three Months Ended March 31, Six Months Ended March 31, 2022 2021 2022 2021 Basic net income per common share computation Numerator – net income $ 5,327 $ 7,251 $ 10,812 $ 14,541 Denominator – weighted average common shares outstanding 8,337,407 8,331,121 8,346,839 8,322,210 Basic net income per common share $ 0.64 $ 0.87 $ 1.30 $ 1.75 Diluted net income per common share computation Numerator – net income $ 5,327 $ 7,251 $ 10,812 $ 14,541 Denominator – weighted average common shares outstanding 8,337,407 8,331,121 8,346,839 8,322,210 Effect of dilutive stock options (1) 84,468 113,677 88,697 106,385 Weighted average common shares outstanding - assuming dilution 8,421,875 8,444,798 8,435,536 8,428,595 Diluted net income per common share $ 0.63 $ 0.86 $ 1.28 $ 1.73 ____________________________________________

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	6 Months Ended
	Mar. 31, 2022
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The changes in accumulated other comprehensive income (loss) ("AOCI") by component during the three and six months ended March 31, 2022 and 2021 are as follows (dollars in thousands): Three Months Ended March 31, 2022 Changes in fair value of available for sale securities (1) Changes in OTTI on held to maturity securities (1) Total (1) Balance of AOCI at the beginning of period $ 57 $ (15) $ 42 Other comprehensive income (loss) (152) 3 (149) Balance of AOCI at the end of period $ (95) $ (12) $ (107) Six Months Ended March 31, 2022 Changes in fair value of available for sale securities (1) Changes in OTTI on held to maturity securities (1) Total (1) Balance of AOCI at the beginning of period $ 75 $ (16) $ 59 Other comprehensive income (loss) (170) 4 (166) Balance of AOCI at the end of period $ (95) $ (12) $ (107) Three Months Ended March 31, 2021 Changes in fair value of available for sale securities (1) Changes in OTTI on held to maturity securities (1) Total (1) Balance of AOCI at the beginning of period $ 70 $ (26) $ 44 Other comprehensive income 74 3 77 Balance of AOCI at the end of period $ 144 $ (23) $ 121 Six Months Ended March 31, 2021 Changes in fair value of available for sale securities (1) Changes in OTTI on held to maturity securities (1) Total (1) Balance of AOCI at the beginning of period $ 87 $ (26) $ 61 Other comprehensive income 57 3 60 Balance of AOCI at the end of period $ 144 $ (23) $ 121 __________________________ (1) All amounts are net of income taxes.

Stock Compensation Plans (Table

Stock Compensation Plans (Tables)	6 Months Ended
	Mar. 31, 2022
Share-based Payment Arrangement, Noncash Expense [Abstract]
Disclosure of Share-based Compensation Arrangements by Share-based Payment Award	Stock option activity for the six months ended March 31, 2022 and 2021 is summarized as follows: Six Months Ended March 31, 2022 Six Months Ended March 31, 2021 Number of Shares Weighted Number of Shares Weighted Options outstanding, beginning of period 406,815 $ 21.62 395,349 $ 18.45 Exercised (27,470) 12.09 (53,564) 9.70 Granted 1,000 27.25 1,500 19.13 Forfeited (17,170) 25.91 (4,520) 27.57 Options outstanding, end of period 363,175 $ 22.15 338,765 $ 19.71
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions	The weighted average assumptions for options granted during the six months ended March 31, 2022 were as follows: Expected volatility 34 % Expected life (in years) 5 Expected dividend yield 3.49 % Risk free interest rate 1.22 % Grant date fair value per share $ 5.88
Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range	Additional information regarding options outstanding at March 31, 2022 is as follows: Options Outstanding Options Exercisable Range of Number Weighted Weighted Number Weighted Weighted $5.86 - 6.00 4,000 $ 5.93 0.5 4,000 $ 5.93 0.5 9.00 17,500 9.00 1.6 17,500 9.00 1.6 10.26 - 10.71 50,575 10.56 2.9 50,575 10.56 2.9 15.67 - 19.13 89,450 16.53 7.3 36,130 16.05 5.7 26.50 - 27.25 41,700 27.13 7.6 16,280 27.12 7.5 28.23 - 29.69 122,250 28.79 8.0 37,400 29.69 5.5 31.80 37,700 31.80 6.5 22,620 31.80 6.5 363,175 $ 22.15 6.5 184,505 $ 19.33 4.7

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring Basis	The Company's assets measured at estimated fair value on a recurring basis at March 31, 2022 and September 30, 2021 were as follows (dollars in thousands): March 31, 2022 Estimated Fair Value Level 1 Level 2 Level 3 Total Available for sale investment securities MBS: U.S. government agencies $ — $ 50,624 $ — $ 50,624 Investments in equity securities Mutual funds 902 — — 902 Total $ 902 $ 50,624 $ — $ 51,526 September 30, 2021 Estimated Fair Value Level 1 Level 2 Level 3 Total Available for sale investment securities MBS: U.S. government agencies $ — $ 63,176 $ — $ 63,176 Investments in equity securities Mutual funds 955 — — 955 Total $ 955 $ 63,176 $ — $ 64,131
Balances of Assets Measured at Estimated Fair Value, Nonrecurring Basis	The following table summarizes the balances of assets measured at estimated fair value on a non-recurring basis at March 31, 2022 (dollars in thousands): Estimated Fair Value Level 1 Level 2 Level 3 Impaired loans: Commercial business loans $ — $ — $ 122 Total impaired loans — — 122 Investment securities – held to maturity: MBS - private label residential — 1 — OREO and other repossessed assets — — 157 Total $ — $ 1 $ 279 The following table summarizes the balances of assets measured at estimated fair value on a non-recurring basis at September 30, 2021 (dollars in thousands): Estimated Fair Value Level 1 Level 2 Level 3 Impaired loans: Mortgage loans: Land $ — $ — $ 286 Commercial business loans — — 123 Total impaired loans — — 409 Investment securities – held to maturity: MBS - private label residential — 10 — OREO and other repossessed assets — — 157 Total $ — $ 10 $ 566
Level 3 Fair Value Measurements, Nonrecurring Basis	The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis as of March 31, 2022 (dollars in thousands): Estimated Valuation Unobservable Input(s) Range Impaired loans $ 122 Market approach Appraised value less estimated selling costs NA OREO and other repossessed assets $ 157 Market approach Lower of appraised value or listing price less estimated selling costs NA The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis as of September 30, 2021 (dollars in thousands): Estimated Valuation Unobservable Input(s) Range Impaired loans $ 409 Market approach Appraised value less estimated selling costs NA OREO and other repossessed assets $ 157 Market approach Lower of appraised value or listing price less estimated selling costs NA
Balances of Assets and Liabilities Measured at Estimated Fair Value, Recurring Basis	The recorded amounts and estimated fair values of financial instruments were as follows as of March 31, 2022 and September 30, 2021 (dollars in thousands): March 31, 2022 Fair Value Measurements Using: Recorded Estimated Fair Value Financial assets Cash and cash equivalents $ 492,302 $ 492,302 $ 492,302 $ — $ — CDs held for investment 28,619 28,619 28,619 — — Investment securities 240,029 235,331 137,802 97,529 — Investments in equity securities 902 902 902 — — FHLB stock 2,194 2,194 2,194 — — Other investments 3,000 3,000 3,000 — — Loans held for sale 2,772 2,822 2,822 — — Loans receivable, net 1,034,080 1,042,196 — — 1,042,196 Accrued interest receivable 3,927 3,927 3,927 — — Financial liabilities Certificates of deposit 126,646 127,017 — — 127,017 Accrued interest payable 103 103 103 — — September 30, 2021 Fair Value Measurements Using: Recorded Estimated Fair Value Level 1 Level 2 Level 3 Financial assets Cash and cash equivalents $ 580,196 $ 580,196 $ 580,196 $ — $ — CDs held for investment 28,482 28,482 28,482 — — Investment securities 132,278 133,286 28,670 104,616 — Investments in equity securities 955 955 955 — — FHLB stock 2,103 2,103 2,103 — — Other investments 3,000 3,000 3,000 — — Loans held for sale 3,217 3,290 3,290 — — Loans receivable, net 968,454 981,905 — — 981,905 Accrued interest receivable 3,745 3,745 3,745 — — Financial liabilities Certificates of deposit 134,129 135,178 — — 135,178 Accrued interest payable 134 134 134 — —

Summary Of Significant Accoun_3

Summary Of Significant Accounting Policies (Details)	6 Months Ended
	Mar. 31, 2022segment
Accounting Policies [Abstract]
Number of operating segments	1

Investment Securities_ Marketab

Investment Securities: Marketable Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Held to maturity
Amortized Cost	$ 189,405	$ 69,102
Gross Unrealized Gains	512	1,251
Gross Unrealized Losses	(5,210)	(244)
Estimated Fair Value	184,707	70,109
Available for sale
Total	50,745
Estimated Fair Value	51,526	64,131
Mortgage-backed Securities, U.S. government agencies
Held to maturity
Amortized Cost	21,858	25,913
Gross Unrealized Gains	215	936
Gross Unrealized Losses	(508)	(122)
Estimated Fair Value	21,565	26,727
Available for sale
Total	50,745	63,080
Gross Unrealized Gains	105	210
Gross Unrealized Losses	(226)	(114)
Estimated Fair Value	50,624	63,176
Mortgage-backed Securities, Private label residential
Held to maturity
Amortized Cost	25,120	13,929
Gross Unrealized Gains	273	302
Gross Unrealized Losses	(542)	(23)
Estimated Fair Value	24,851	14,208
Private label residential
Held to maturity
Amortized Cost	141,927	28,760
Gross Unrealized Gains	24	8
Gross Unrealized Losses	(4,150)	(99)
Estimated Fair Value	137,801	28,669
Bank issued trust preferred securities
Held to maturity
Amortized Cost	500	500
Gross Unrealized Gains	0	5
Gross Unrealized Losses	(10)	0
Estimated Fair Value	$ 490	$ 505

Investment Securities_ Unrealiz

Investment Securities: Unrealized Gain (Loss) on Investments (Details) $ in Thousands	Mar. 31, 2022USD ($)security	Sep. 30, 2021USD ($)security
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 157,753	$ 36,598
Held to maturity, 12 Months or Longer, Estimated Fair Value	3,772	16
Held to maturity, Total, Estimated Fair Value	161,525	36,614
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	(5,172)	(244)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(38)	0
Held to maturity, Total, Gross Unrealized Losses	$ (5,210)	$ (244)
Held to maturity, Less Than 12 Months, Quantity | security	49	14
Held to maturity, 12 Months or Longer, Quantity | security	6	4
Available-for-sale Securities, Fair Value:
Available for sale, Less Than 12 Months, Estimated Fair Value	$ 12,072	$ 20,146
Available for sale, 12 Months or Longer, Estimated Fair Value	17,391	5,491
Available for sale, Total, Estimated Fair Value	29,463	25,637
Available-for-sale Securities, Gross Unrealized Losses:
Available for sale, Less Than 12 Months, Gross Unrealized Losses	(27)	(103)
Available for sale, 12 Months or Longer, Gross Unrealized Losses	(199)	(11)
Available for sale, Total, Gross Unrealized Losses	$ (226)	$ (114)
Available-for-sale, Less than 12 Months, Quantity | security	10	13
Available-for-sale, 12 Months or Longer, Quantity | security	10	3
Mortgage-backed Securities, U.S. government agencies
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 8,405	$ 18,795
Held to maturity, 12 Months or Longer, Estimated Fair Value	416	0
Held to maturity, Total, Estimated Fair Value	8,821	18,795
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	(507)	(99)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(1)	0
Held to maturity, Total, Gross Unrealized Losses	$ (508)	$ (99)
Held to maturity, Less Than 12 Months, Quantity | security	10	5
Held to maturity, 12 Months or Longer, Quantity | security	4	0
Available-for-sale Securities, Fair Value:
Available for sale, Less Than 12 Months, Estimated Fair Value	$ 12,072	$ 20,146
Available for sale, 12 Months or Longer, Estimated Fair Value	17,391	5,491
Available for sale, Total, Estimated Fair Value	29,463	25,637
Available-for-sale Securities, Gross Unrealized Losses:
Available for sale, Less Than 12 Months, Gross Unrealized Losses	(27)	(103)
Available for sale, 12 Months or Longer, Gross Unrealized Losses	(199)	(11)
Available for sale, Total, Gross Unrealized Losses	$ (226)	$ (114)
Available-for-sale, Less than 12 Months, Quantity | security	10	13
Available-for-sale, 12 Months or Longer, Quantity | security	10	3
Mortgage-backed Securities, Private label residential
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 21,091	$ 8,091
Held to maturity, 12 Months or Longer, Estimated Fair Value	3,356	15
Held to maturity, Total, Estimated Fair Value	24,447	8,106
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	(505)	(122)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(37)	0
Held to maturity, Total, Gross Unrealized Losses	$ (542)	$ (122)
Held to maturity, Less Than 12 Months, Quantity | security	15	5
Held to maturity, 12 Months or Longer, Quantity | security	1	3
Private label residential
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 127,757
Held to maturity, 12 Months or Longer, Estimated Fair Value	0
Held to maturity, Total, Estimated Fair Value	127,757
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	(4,150)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	0
Held to maturity, Total, Gross Unrealized Losses	$ (4,150)
Held to maturity, Less Than 12 Months, Quantity | security	23
Held to maturity, 12 Months or Longer, Quantity | security	1
Bank issued trust preferred securities
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 500	$ 9,712
Held to maturity, 12 Months or Longer, Estimated Fair Value	0	1
Held to maturity, Total, Estimated Fair Value	500	9,713
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	(10)	(23)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	0	0
Held to maturity, Total, Gross Unrealized Losses	$ (10)	$ (23)
Held to maturity, Less Than 12 Months, Quantity | security	1	4
Held to maturity, 12 Months or Longer, Quantity | security	0	1

Investment Securities_ Schedule

Investment Securities: Schedule of significant inputs utilized to measure management's estimate of the credit loss component on OTTI securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Net recoveries on investment securities	$ (3)	$ (3)	$ (11)	$ (8)
Held-to-maturity Securities
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Recoveries (other than temporary impairment OTTI) on investment securities	3	3	11	8
Net recoveries on investment securities	$ 3	$ 3	$ 11	$ 8
Minimum
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
OTTI significant inputs - Constant prepayment rate	6.00%	6.00%	6.00%	6.00%
OTTI significant inputs - Collateral default rate	0.53%	1.73%	0.53%	1.73%
OTTI significant inputs - Loss severity rate	0.00%	0.00%	0.00%	0.00%
Maximum
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
OTTI significant inputs - Constant prepayment rate	15.00%	15.00%	15.00%	15.00%
OTTI significant inputs - Collateral default rate	21.55%	28.92%	21.55%	28.92%
OTTI significant inputs - Loss severity rate	8.53%	18.93%	8.53%	18.93%
Weighted Average
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
OTTI significant inputs - Constant prepayment rate	8.37%	13.18%	8.37%	13.18%
OTTI significant inputs - Collateral default rate	10.53%	13.94%	10.53%	13.94%
OTTI significant inputs - Loss severity rate	3.72%	5.79%	3.72%	5.79%

Investment Securities_ Other th

Investment Securities: Other than Temporary Impairment, Credit Losses Recognized in Earnings (Details) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Beginning balance of credit loss	$ 853	$ 885
Net realized gain (losses) previously recorded as credit losses	1	(5)
Recovery of prior credit loss	(8)	(8)
Ending balance of credit loss	$ 846	$ 872

Investment Securities_ Narrativ

Investment Securities: Narrative-Realized Gains (Losses) (Details) $ in Thousands	6 Months Ended
	Mar. 31, 2022USD ($)security	Mar. 31, 2021USD ($)security	Sep. 30, 2021USD ($)
Investments [Abstract]
Loss on sale of securities	$ 1	$ 5
Held-to-maturity securities, realized loss, number of securities | security	14	13
Security owned and pledged as collateral	$ 82,570		$ 97,600

Investment Securities_ Schedu_2

Investment Securities: Schedule of Contractual maturities of debt securities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Held-to-maturity Securities, Amortized Cost:
Due after one year to five years	$ 109,829
Due after five years to ten years	50,532
Due after ten years	29,044
Total	189,405	$ 69,102	[1]
Held-to-maturity Securities, Estimated Fair Value:
Due after one year to five years	105,932
Due after five years to ten years	50,333
Due after ten years	28,442
Total	184,707	$ 70,109
Available-for-sale Securities, Amortized Cost:
Due after one year to five years	3,622
Due after five years to ten years	12,062
Due after ten years	35,061
Total	50,745
Available-for-sale Securities, Estimated Fair Value:
Due after one year to five years	3,616
Due after five years to ten years	12,047
Due after ten years	34,961
Total	$ 50,624
[1]	Derived from audited consolidated financial statements.

Goodwill and CDI - Goodwill (De

Goodwill and CDI - Goodwill (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 15,131	$ 15,131	[1]
[1]	Derived from audited consolidated financial statements.

Loans Receivable And Allowanc_3

Loans Receivable And Allowance For Loan Losses: Schedule of Loans receivable and Loans held for sale (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	$ 1,152,033	$ 1,082,290
Undisbursed portion of construction loans in process	100,719	95,224
Deferred loan origination fees, net	3,801	5,143
Allowance for loan losses	13,433	13,469
Less: Loans in process, Deferred fees and Allowance for loan losses	117,953	113,836
Loans receivable, net	$ 1,034,080	$ 968,454	[1]
Ratio of loan category to total loans receivable (percent)	100.00%	100.00%
Mortgage loans excluded	$ 2,772	$ 3,217
Total mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 1,002,198	$ 931,289
Ratio of loan category to total loans receivable (percent)	87.00%	86.00%
Mortgage loans, one-to-four family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 133,925	$ 119,935
Ratio of loan category to total loans receivable (percent)	11.60%	11.10%
Mortgage loans, multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 82,526	$ 87,563
Ratio of loan category to total loans receivable (percent)	7.20%	8.10%
Mortgage loans, commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 523,479	$ 470,650
Ratio of loan category to total loans receivable (percent)	45.50%	43.50%
Mortgage loans, construction - custom and owner/builder
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 114,394	$ 109,152
Ratio of loan category to total loans receivable (percent)	9.90%	10.10%
Mortgage loans, construction - speculative one-to-four family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 15,438	$ 17,813
Ratio of loan category to total loans receivable (percent)	1.30%	1.60%
Mortgage loans, construction – commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 35,416	$ 43,365
Ratio of loan category to total loans receivable (percent)	3.10%	4.00%
Mortgage loans, construction - Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 64,141	$ 52,071
Ratio of loan category to total loans receivable (percent)	5.60%	4.80%
Mortgage loans, construction - Land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 10,687	$ 10,804
Ratio of loan category to total loans receivable (percent)	0.90%	1.00%
Mortgage loans, land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 22,192	$ 19,936
Ratio of loan category to total loans receivable (percent)	1.90%	1.80%
Total consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Consumer loans	$ 35,257	$ 35,500
Ratio of loan category to total loans receivable (percent)	3.10%	3.30%
Consumer loans, home equity and second mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Consumer loans	$ 32,980	$ 32,988
Ratio of loan category to total loans receivable (percent)	2.90%	3.10%
Consumer loans, other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Consumer loans	$ 2,277	$ 2,512
Ratio of loan category to total loans receivable (percent)	0.20%	0.20%
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial business loans	$ 108,644	$ 74,579
Ratio of loan category to total loans receivable (percent)	9.40%	6.90%
SBA PPP Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial business loans	$ 5,934	$ 40,922
Ratio of loan category to total loans receivable (percent)	0.50%	3.80%
Total Commercial Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial business loans	$ 114,578	$ 115,501
Ratio of loan category to total loans receivable (percent)	9.90%	10.70%
[1]	Derived from audited consolidated financial statements.

Loans Receivable And Allowanc_4

Loans Receivable And Allowance For Loan Losses - Narrative (Details) - USD ($)	Mar. 31, 2022	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Unamortized loan commitment and origination fees and unamortized discounts or premiums	$ 358,000	$ 449,000
End of Period Balance	2,668,000	2,553,000
Loans and leases receivable, impaired, commitment to lend	0	$ 0
Allowance for loan losses allocated to TDR loans	$ 0

Loans Receivable And Allowanc_5

Loans Receivable And Allowance For Loan Losses: Schedule of Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	$ 13,468	$ 13,432	$ 13,469	$ 13,414
Provision for (Recapture of) Loan Losses	0	0	0	0
Charge- offs	(50)	(3)	(51)	(3)
Recoveries	15	5	15	23
Allowance for loan losses, Ending Allowance	13,433	13,434	13,433	13,434
Mortgage loans, one-to-four family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	1,237	1,135	1,154	1,163
Provision for (Recapture of) Loan Losses	10	16	93	(12)
Charge- offs	0	0	0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	1,247	1,151	1,247	1,151
Mortgage loans, multi-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	748	757	765	718
Provision for (Recapture of) Loan Losses	(13)	27	(30)	66
Charge- offs	0	0	0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	735	784	735	784
Mortgage loans, commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	6,807	7,136	6,813	7,144
Provision for (Recapture of) Loan Losses	124	102	118	94
Charge- offs	0	0	0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	6,931	7,238	6,931	7,238
Mortgage loans, construction - custom and owner/builder
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	671	770	644	832
Provision for (Recapture of) Loan Losses	15	(75)	42	(137)
Charge- offs	0	0	0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	686	695	686	695
Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	153	182	188	158
Provision for (Recapture of) Loan Losses	(27)	(34)	(62)	(10)
Charge- offs	0	0	0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	126	148	126	148
Mortgage loans, construction – commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	593	558	784	420
Provision for (Recapture of) Loan Losses	(130)	156	(321)	294
Charge- offs	0	0	0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	463	714	463	714
Mortgage loans, construction - Multi-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	460	186	436	238
Provision for (Recapture of) Loan Losses	(24)	137	0	85
Charge- offs	0	0	0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	436	323	436	323
Mortgage loans, construction - Land development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	157	123	124	133
Provision for (Recapture of) Loan Losses	(31)	(104)	2	(114)
Charge- offs	0		0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	126	19	126	19
Mortgage loans, land
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	435	474	470	572
Provision for (Recapture of) Loan Losses	(58)	(72)	(93)	(175)
Charge- offs	0	0	0	0
Recoveries	0	5	0	10
Allowance for loan losses, Ending Allowance	377	407	377	407
Consumer loans, home equity and second mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	532	605	528	593
Provision for (Recapture of) Loan Losses	(63)	(53)	(59)	(41)
Charge- offs	0	0	0	0
Recoveries	0	0	0	0
Allowance for loan losses, Ending Allowance	469	552	469	552
Consumer loans, other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	48	57	50	71
Provision for (Recapture of) Loan Losses	(4)	0	(5)	(18)
Charge- offs	(1)	(1)	(2)	(1)
Recoveries	1	0	1	4
Allowance for loan losses, Ending Allowance	44	56	44	56
Commercial business loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	1,627	1,449	1,513	1,372
Provision for (Recapture of) Loan Losses	201	(100)	315	(32)
Charge- offs	(49)	(2)	(49)	(2)
Recoveries	14	0	14	9
Allowance for loan losses, Ending Allowance	1,793	$ 1,347	1,793	$ 1,347
SBA PPP Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance			0
Allowance for loan losses, Ending Allowance	$ 0		$ 0

Loans Receivable And Allowanc_6

Loans Receivable And Allowance For Loan Losses: Schedule of loans evaluated individually for impairment and collectively evaluated for impairment in the allowance for loan losses (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	$ 127		$ 247
Allowance for Loan Losses, Collectively Evaluated for Impairment	13,306		13,222
Allowance for Loan Losses, Total	13,433	$ 13,468	13,469	$ 13,434	$ 13,432	$ 13,414
Recorded Investment in Loans, Individually Evaluated for Impairment	5,147		5,224
Recorded Investment in Loans, Collectively Evaluated for Impairment	1,046,167		981,842
Loans receivable	1,051,314		987,066
Mortgage loans, one-to-four family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	1,247		1,154
Allowance for Loan Losses, Total	1,247	1,237	1,154	1,151	1,135	1,163
Recorded Investment in Loans, Individually Evaluated for Impairment	578		407
Recorded Investment in Loans, Collectively Evaluated for Impairment	133,347		119,528
Loans receivable	133,925		119,935
Mortgage loans, multi-family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	735		765
Allowance for Loan Losses, Total	735	748	765	784	757	718
Recorded Investment in Loans, Individually Evaluated for Impairment	0		0
Recorded Investment in Loans, Collectively Evaluated for Impairment	82,526		87,563
Loans receivable	82,526		87,563
Mortgage loans, commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	6,931		6,813
Allowance for Loan Losses, Total	6,931	6,807	6,813	7,238	7,136	7,144
Recorded Investment in Loans, Individually Evaluated for Impairment	3,023		3,143
Recorded Investment in Loans, Collectively Evaluated for Impairment	520,456		467,507
Loans receivable	523,479		470,650
Mortgage loans, construction - custom and owner/builder
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	686		644
Allowance for Loan Losses, Total	686	671	644	695	770	832
Recorded Investment in Loans, Individually Evaluated for Impairment	0		0
Recorded Investment in Loans, Collectively Evaluated for Impairment	68,530		61,003
Loans receivable	68,530		61,003
Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	126		188
Allowance for Loan Losses, Total	126	153	188	148	182	158
Recorded Investment in Loans, Individually Evaluated for Impairment	0		0
Recorded Investment in Loans, Collectively Evaluated for Impairment	7,634		9,657
Loans receivable	7,634		9,657
Mortgage loans, construction – commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	463		784
Allowance for Loan Losses, Total	463	593	784	714	558	420
Recorded Investment in Loans, Individually Evaluated for Impairment	0		0
Recorded Investment in Loans, Collectively Evaluated for Impairment	28,005		38,931
Loans receivable	28,005		38,931
Mortgage loans, construction - Multi-family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	436		436
Allowance for Loan Losses, Total	436	460	436	323	186	238
Recorded Investment in Loans, Individually Evaluated for Impairment	0		0
Recorded Investment in Loans, Collectively Evaluated for Impairment	29,048		22,888
Loans receivable	29,048		22,888
Mortgage loans, construction - Land development
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	126		124
Allowance for Loan Losses, Total	126	157	124	19	123	133
Recorded Investment in Loans, Individually Evaluated for Impairment	0		0
Recorded Investment in Loans, Collectively Evaluated for Impairment	6,140		5,502
Loans receivable	6,140		5,502
Mortgage loans, land
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		76
Allowance for Loan Losses, Collectively Evaluated for Impairment	377		394
Allowance for Loan Losses, Total	377	435	470	407	474	572
Recorded Investment in Loans, Individually Evaluated for Impairment	723		683
Recorded Investment in Loans, Collectively Evaluated for Impairment	21,469		19,253
Loans receivable	22,192		19,936
Consumer loans, home equity and second mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	469		528
Allowance for Loan Losses, Total	469	532	528	552	605	593
Recorded Investment in Loans, Individually Evaluated for Impairment	413		516
Recorded Investment in Loans, Collectively Evaluated for Impairment	32,567		32,472
Loans receivable	32,980		32,988
Consumer loans, other
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	44		50
Allowance for Loan Losses, Total	44	48	50	56	57	71
Recorded Investment in Loans, Individually Evaluated for Impairment	5		17
Recorded Investment in Loans, Collectively Evaluated for Impairment	2,272		2,495
Loans receivable	2,277		2,512
Commercial business loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	127		171
Allowance for Loan Losses, Collectively Evaluated for Impairment	1,666		1,342
Allowance for Loan Losses, Total	1,793	$ 1,627	1,513	$ 1,347	$ 1,449	$ 1,372
Recorded Investment in Loans, Individually Evaluated for Impairment	405		458
Recorded Investment in Loans, Collectively Evaluated for Impairment	108,239		74,121
Loans receivable	108,644		74,579
SBA PPP Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0		0
Allowance for Loan Losses, Collectively Evaluated for Impairment	0		0
Allowance for Loan Losses, Total	0		0
Recorded Investment in Loans, Individually Evaluated for Impairment	0		0
Recorded Investment in Loans, Collectively Evaluated for Impairment	5,934		40,922
Loans receivable	$ 5,934		$ 40,922

Loans Receivable And Allowanc_7

Loans Receivable And Allowance For Loan Losses: Past Due Status of Loans (Details) - USD ($) $ in Thousands		Mar. 31, 2022		Sep. 30, 2021
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		$ 1,051,314		$ 987,066
Loans receivable, Non-Accrual	[1]	2,651		2,854
Mortgage loans, one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		133,925		119,935
Loans receivable, Non-Accrual	[1]	578		407
Mortgage loans, multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		82,526		87,563
Loans receivable, Non-Accrual	[1]	0		0
Mortgage loans, commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		523,479		470,650
Loans receivable, Non-Accrual	[1]	671		773
Mortgage loans, construction - custom and owner/builder
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		68,530		61,003
Loans receivable, Non-Accrual	[1]	0		0
Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		7,634		9,657
Loans receivable, Non-Accrual	[1]	0		0
Mortgage loans, construction – commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		28,005		38,931
Loans receivable, Non-Accrual	[1]	0		0
Mortgage loans, construction - Multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		29,048		22,888
Loans receivable, Non-Accrual	[1]	0		0
Mortgage loans, construction - Land development
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		6,140		5,502
Loans receivable, Non-Accrual	[1]	0		0
Mortgage loans, land
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		22,192		19,936
Loans receivable, Non-Accrual	[1]	723		683
Consumer loans, home equity and second mortgage
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		32,980		32,988
Loans receivable, Non-Accrual	[1]	269		516
Consumer loans, other
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		2,277		2,512
Loans receivable, Non-Accrual	[1]	5		17
Commercial business loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		108,644		74,579
Loans receivable, Non-Accrual		405	[1]	458
SBA PPP Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		5,934		40,922
Loans receivable, Non-Accrual		0		0	[1]
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		282		5
30 to 59 Days Past Due | Mortgage loans, one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Mortgage loans, multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Mortgage loans, commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		215		0
30 to 59 Days Past Due | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Mortgage loans, construction – commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Mortgage loans, construction - Multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Mortgage loans, construction - Land development
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Mortgage loans, land
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Consumer loans, home equity and second mortgage
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		67		0
30 to 59 Days Past Due | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
30 to 59 Days Past Due | Commercial business loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		5
30 to 59 Days Past Due | SBA PPP Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		8		180
60 to 89 Days Past Due | Mortgage loans, one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		180
60 to 89 Days Past Due | Mortgage loans, multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Mortgage loans, commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		8		0
60 to 89 Days Past Due | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Mortgage loans, construction – commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Mortgage loans, construction - Multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Mortgage loans, construction - Land development
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Mortgage loans, land
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Consumer loans, home equity and second mortgage
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
60 to 89 Days Past Due | Commercial business loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0
60 to 89 Days Past Due | SBA PPP Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
Past Due 90 Days or More and Still Accruing
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, one-to-four family
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, multi-family
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, commercial
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, construction – commercial
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, construction - Multi-family
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, construction - Land development
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Mortgage loans, land
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Consumer loans, home equity and second mortgage
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Past Due 90 Days or More and Still Accruing | Commercial business loans
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0
Past Due 90 Days or More and Still Accruing | SBA PPP Loans
Financing Receivable, Past Due [Line Items]
Past Due 90 Days or More and Still Accruing		0		0
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		2,941		3,039
Financial Asset, Past Due | Mortgage loans, one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		578		587
Financial Asset, Past Due | Mortgage loans, multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
Financial Asset, Past Due | Mortgage loans, commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		894		773
Financial Asset, Past Due | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
Financial Asset, Past Due | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
Financial Asset, Past Due | Mortgage loans, construction – commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
Financial Asset, Past Due | Mortgage loans, construction - Multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
Financial Asset, Past Due | Mortgage loans, construction - Land development
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
Financial Asset, Past Due | Mortgage loans, land
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		723		683
Financial Asset, Past Due | Consumer loans, home equity and second mortgage
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		336		516
Financial Asset, Past Due | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		5		17
Financial Asset, Past Due | Commercial business loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		405		463
Financial Asset, Past Due | SBA PPP Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		0		0
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		1,048,373		984,027
Financial Asset, Not Past Due | Mortgage loans, one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		133,347		119,348
Financial Asset, Not Past Due | Mortgage loans, multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		82,526		87,563
Financial Asset, Not Past Due | Mortgage loans, commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		522,585		469,877
Financial Asset, Not Past Due | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		68,530		61,003
Financial Asset, Not Past Due | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		7,634		9,657
Financial Asset, Not Past Due | Mortgage loans, construction – commercial
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		28,005		38,931
Financial Asset, Not Past Due | Mortgage loans, construction - Multi-family
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		29,048		22,888
Financial Asset, Not Past Due | Mortgage loans, construction - Land development
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		6,140		5,502
Financial Asset, Not Past Due | Mortgage loans, land
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		21,469		19,253
Financial Asset, Not Past Due | Consumer loans, home equity and second mortgage
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		32,644		32,472
Financial Asset, Not Past Due | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		2,272		2,495
Financial Asset, Not Past Due | Commercial business loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		108,239		74,116
Financial Asset, Not Past Due | SBA PPP Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, Total Past Due		$ 5,934		$ 40,922
[1]	Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual.

Loans Receivable And Allowanc_8

Loans Receivable And Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 1,051,314	$ 987,066
Mortgage loans, one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	133,925	119,935
Mortgage loans, multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	82,526	87,563
Mortgage loans, commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	523,479	470,650
Mortgage loans, construction - custom and owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	68,530	61,003
Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	7,634	9,657
Mortgage loans, construction – commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	28,005	38,931
Mortgage loans, construction - Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	29,048	22,888
Mortgage loans, construction - Land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	6,140	5,502
Mortgage loans, land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	22,192	19,936
Consumer loans, home equity and second mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	32,980	32,988
Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	2,277	2,512
Commercial business loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	108,644	74,579
SBA PPP Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	5,934	40,922
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	1,033,546	965,950
Pass | Mortgage loans, one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	133,298	118,857
Pass | Mortgage loans, multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	82,526	87,563
Pass | Mortgage loans, commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	511,127	456,188
Pass | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	67,692	59,699
Pass | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	7,634	9,657
Pass | Mortgage loans, construction – commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	26,488	37,414
Pass | Mortgage loans, construction - Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	29,048	22,888
Pass | Mortgage loans, construction - Land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	6,109	5,467
Pass | Mortgage loans, land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	20,929	18,648
Pass | Consumer loans, home equity and second mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	32,355	32,190
Pass | Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	2,207	2,465
Pass | Commercial business loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	108,199	73,992
Pass | SBA PPP Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	5,934	40,922
Watch
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	5,050	12,500
Watch | Mortgage loans, one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	45	129
Watch | Mortgage loans, multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Watch | Mortgage loans, commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	3,418	10,285
Watch | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	838	1,304
Watch | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Watch | Mortgage loans, construction – commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Watch | Mortgage loans, construction - Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Watch | Mortgage loans, construction - Land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Watch | Mortgage loans, land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	540	558
Watch | Consumer loans, home equity and second mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	144	145
Watch | Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	65	30
Watch | Commercial business loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	49
Watch | SBA PPP Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	4,432	5,012
Special Mention | Mortgage loans, one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	537
Special Mention | Mortgage loans, multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention | Mortgage loans, commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	2,915	2,921
Special Mention | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention | Mortgage loans, construction – commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	1,517	1,517
Special Mention | Mortgage loans, construction - Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention | Mortgage loans, construction - Land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention | Mortgage loans, land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention | Consumer loans, home equity and second mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention | Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Special Mention | Commercial business loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	37
Special Mention | SBA PPP Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	8,286	3,604
Substandard | Mortgage loans, one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	582	412
Substandard | Mortgage loans, multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Substandard | Mortgage loans, commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	6,019	1,256
Substandard | Mortgage loans, construction - custom and owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Substandard | Mortgage loans, construction - speculative one-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Substandard | Mortgage loans, construction – commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Substandard | Mortgage loans, construction - Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0	0
Substandard | Mortgage loans, construction - Land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	31	35
Substandard | Mortgage loans, land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	723	730
Substandard | Consumer loans, home equity and second mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	481	653
Substandard | Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	5	17
Substandard | Commercial business loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	445	501
Substandard | SBA PPP Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 0	$ 0

Loans Receivable And Allowanc_9

Loans Receivable And Allowance For Loan Losses: Impaired Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended	12 Months Ended
	Mar. 31, 2022		Mar. 31, 2022	Sep. 30, 2021
Recorded Investment
With no related allowance recorded	$ 4,898		$ 4,898	$ 4,568
With an allowance recorded	249		249	656
Total:	5,147		5,147	5,224
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	4,989		4,989	4,615
With an allowance recorded	249		249	656
Total:	5,238		5,238	5,271
Related Allowance	127		127	247
Average Recorded Investment
With no related allowance recorded	4,726	[1]	4,673	4,750
With an allowance recorded	455	[1]	522	454
Total	5,181	[1]	5,195	5,204
Interest Income Recognized
With no related allowance recorded	48	[1]	96	220	[1]
With an allowance recorded	0	[1]	0	0
Total	48	[1]	96	220
Cash Basis Interest Income Recognized
With no related allowance recorded	41	[1]	80	182
With an allowance recorded	0	[1]	0	0
Total	41	[1]	80	182
Mortgage loans, one-to-four family
Recorded Investment
With no related allowance recorded	578		578	407
With an allowance recorded				0
Total:	578		578	407
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	621		621	450
With an allowance recorded				0
Total:	621		621	450
Related Allowance	0		0	0
Average Recorded Investment
With no related allowance recorded	580	[1]	522	655
With an allowance recorded				97
Total	580	[1]	522	752
Interest Income Recognized
With no related allowance recorded	8	[1]	16	58	[1]
With an allowance recorded				0
Total	8	[1]	16	58
Cash Basis Interest Income Recognized
With no related allowance recorded	8	[1]	16	52
With an allowance recorded				0
Total	8	[1]	16	52
Mortgage loans, commercial
Recorded Investment
With no related allowance recorded	3,023		3,023	3,143
Total:	3,023		3,023	3,143
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	3,023		3,023	3,143
Total:	3,023		3,023	3,143
Related Allowance	0		0	0
Average Recorded Investment
With no related allowance recorded	3,030	[1]	3,068	3,039
Total	3,030	[1]	3,068	3,039
Interest Income Recognized
With no related allowance recorded	39	[1]	79	159	[1]
Total	39	[1]	79	159
Cash Basis Interest Income Recognized
With no related allowance recorded	32	[1]	63	127
Total	32	[1]	63	127
Mortgage loans, land
Recorded Investment
With no related allowance recorded	723		723	321
With an allowance recorded	0		0	362
Total:	723		723	683
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	723		723	321
With an allowance recorded	0		0	362
Total:	723		723	683
Related Allowance	0		0	76
Average Recorded Investment
With no related allowance recorded	518	[1]	452	292
With an allowance recorded	181	[1]	241	72
Total	699	[1]	693	364
Interest Income Recognized
With no related allowance recorded	0	[1]	0	2	[1]
With an allowance recorded	0	[1]	0	0
Total	0	[1]	0	2
Cash Basis Interest Income Recognized
With no related allowance recorded	0	[1]	0	2
With an allowance recorded	0	[1]	0	0
Total	0	[1]	0	2
Consumer loans, home equity and second mortgage
Recorded Investment
With no related allowance recorded	413		413	516
Total:	413		413	516
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	413		413	516
Total:	413		413	516
Related Allowance	0		0	0
Average Recorded Investment
With no related allowance recorded	435	[1]	462	552
Total	435	[1]	462	552
Interest Income Recognized
With no related allowance recorded	1	[1]	1	1	[1]
Total	1	[1]	1	1
Cash Basis Interest Income Recognized
With no related allowance recorded	1	[1]	1	1
Total	1	[1]	1	1
Consumer loans, other
Recorded Investment
With no related allowance recorded	5		5	17
Total:	5		5	17
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	5		5	17
Total:	5		5	17
Related Allowance	0		0	0
Average Recorded Investment
With no related allowance recorded	5	[1]	9	12
Total	5	[1]	9	12
Interest Income Recognized
With no related allowance recorded	0	[1]	0	0
Total	0	[1]	0	0
Cash Basis Interest Income Recognized
With no related allowance recorded	0	[1]	0
With an allowance recorded				0
Total	0	[1]	0	0
Commercial business loans
Recorded Investment
With no related allowance recorded	156		156	164
With an allowance recorded	249		249	294
Total:	405		405	458
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	204		204	168
With an allowance recorded	249		249	294
Total:	453		453	462
Related Allowance	127		127	171
Average Recorded Investment
With no related allowance recorded	158	[1]	160	200
With an allowance recorded	274		281	285
Total	432	[1]	441	485
Interest Income Recognized
With no related allowance recorded	0	[1]	0	0	[1]
With an allowance recorded	0	[1]	0	0
Total	0	[1]	0	0
Cash Basis Interest Income Recognized
With no related allowance recorded	0	[1]	0	0
With an allowance recorded	0	[1]	0	0
Total	$ 0	[1]	$ 0	$ 0
[1]	For the three months ended March 31, 2022

Loans Receivable And Allowan_10

Loans Receivable And Allowance For Loan Losses: COVID Modifications (Details) $ in Thousands	Sep. 30, 2021USD ($)loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Ratio of loan category to total loans, modified for COVID	100.00%
Number of commercial loans modified | loan	1
Commercial loans modified for COVID | $	$ 323
Mortgage loans, one-to-four family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of mortgage loans modified | loan	1
Mortgage loans modified for COVID | $	$ 323
Ratio of loan category to total loans, modified for COVID	100.00%

Loans Receivable And Allowan_11

Loans Receivable And Allowance For Loan Losses: Schedule 1 of Troubled debt restructured loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	$ 2,668	$ 2,553
Accruing
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	2,496	2,371
Non- Accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	172	182
Mortgage loans, commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	2,352	2,371
Mortgage loans, commercial | Accruing
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	2,352	2,371
Mortgage loans, commercial | Non- Accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	0	0
Mortgage loans, land
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	113	119
Mortgage loans, land | Accruing
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	0	0
Mortgage loans, land | Non- Accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	113	119
Consumer loans, home equity and second mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	203	63
Consumer loans, home equity and second mortgage | Accruing
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	144	0
Consumer loans, home equity and second mortgage | Non- Accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
End of Period Balance	$ 59	$ 63

Loans Receivable And Allowan_12

Loans Receivable And Allowance For Loan Losses - Land and Commercial Business Loans (Details) $ in Thousands	9 Months Ended
	Jun. 30, 2021USD ($)contract	Mar. 31, 2022USD ($)	Sep. 30, 2021USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
End of Period Balance		$ 2,668	$ 2,553
Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1
Pre-Modification Outstanding Recorded Investment	$ 136
Post- Modification Outstanding Recorded Investment	$ 144
End of Period Balance			144
Mortgage loans, land
Accounts, Notes, Loans and Financing Receivable [Line Items]
End of Period Balance		$ 113	119
Mortgage loans, land | Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	1
Pre-Modification Outstanding Recorded Investment	$ 136
Post- Modification Outstanding Recorded Investment	$ 144
End of Period Balance			$ 144

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021	Sep. 30, 2021	[1]	Oct. 01, 2019
Leases [Abstract]
Operating lease right-of-use ("ROU") assets	$ 2,129		$ 2,129		$ 2,283		$ 2,890
Operating lease cost	94	$ 92	188	$ 185
Short-term lease cost	0	0	0	0
Total lease cost	94	92	188	185
Operating cash flows from operating leases	$ 87	$ 80	$ 174	$ 160
Weighted average remaining lease term-operating leases	8 years 1 month 6 days	8 years 9 months 18 days	8 years 1 month 6 days	8 years 9 months 18 days
Weighted average discount rate-operating leases	2.24%	2.23%	2.24%	2.23%
[1]	Derived from audited consolidated financial statements.

Leases - Schedule Of Lease Matu

Leases - Schedule Of Lease Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Leases [Abstract]
Remainder of 2022	$ 168
2023	310
2024	313
2025	317
2026	284
Thereafter	1,038
Total lease payments	2,430
Less imputed interest	220
Total	$ 2,210	$ 2,359

Net Income Per Common Share_ Sc

Net Income Per Common Share: Schedule of Earnings per Share (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended		6 Months Ended
		Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Earnings Per Share, Basic [Abstract]
Numerator – net income		$ 5,327	$ 7,251	$ 10,812	$ 14,541
Denominator – weighted average common shares outstanding (in shares)		8,337,407	8,331,121	8,346,839	8,322,210
Basic net income per common share (in dollars per share)		$ 0.64	$ 0.87	$ 1.30	$ 1.75
Earnings Per Share, Diluted [Abstract]
Effect of dilutive stock options (in shares)	[1]	84,468	113,677	88,697	106,385
Weighted average common shares and common stock equivalents (in shares)		8,421,875	8,444,798	8,435,536	8,428,595
Diluted net income per common share (in dollars per share)		$ 0.63	$ 0.86	$ 1.28	$ 1.73
Stock Options
Earnings Per Share, Diluted [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)		204,398	135,590	207,256	136,631
[1]	For the three and six months ended March 31, 2021, average options to purchase 135,590 and 136,631 shares of common stock, respectively, were outstanding but not included in the computation of diluted net income per common share, because their effect would have been anti-dilutive.

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022		Mar. 31, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period		$ 210,375	$ 193,325	$ 206,899	[1]	$ 187,630
Balance at end of period		212,269	198,543	212,269		198,543
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	[2]	42	44	59		61
Other comprehensive income (loss)	[2]	(149)	77	(166)		60
Balance at end of period	[2]	(107)	121	(107)		121
Accumulated Net Unrealized Investment Gain (Loss) | Available-for-sale Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	[2]	57	70	75		87
Other comprehensive income (loss)	[2]	(152)	74	(170)		57
Balance at end of period	[2]	(95)	144	(95)		144
Accumulated Net Unrealized Investment Gain (Loss) | Held-to-maturity Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	[2]	(15)	(26)	(16)		(26)
Other comprehensive income (loss)	[2]	3	3	4		3
Balance at end of period	[2]	$ (12)	$ (23)	$ (12)		$ (23)
[1]	Derived from audited consolidated financial statements.
[2]	All amounts are net of income taxes.

Stock Compensation Plans (Detai

Stock Compensation Plans (Details) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Jan. 28, 2020	Jan. 27, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Aggregate intrinsic value of options exercised during the period	$ 443	$ 947
Number of unvested stock options (shares)	178,670	158,392
Unvested stock options, aggregate grant date fair value	$ 847	$ 565
Unvested stock options, aggregate intrinsic value	538
Stock options vested during period, aggregate grant date fair value	$ 2	$ 1
Stock options vested during period (shares)	400	200
Stock options, outstanding, aggregate intrinsic value	$ 2,170	$ 2,990
Unrecognized compensation expense, non-vested options	$ 777
Unrecognized compensation expense, non-vested options, amortization period (in years)	2 years 3 months 21 days
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	300,000
Award vesting percentage	20.00%
Award vesting period (years)	5 years
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Contractual term	10 years
Equity Incentive Plan 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)				352,366
Number of shares available for grant (in shares)	26,696
Equity Incentive Plan 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	238,400		350,000
Equity Incentive Plan 2019 | Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)			300,000
Equity Incentive Plan 2019 | Directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)			50,000

Stock Compensation Plans_ Discl

Stock Compensation Plans: Disclosure of Share-based Compensation Arrangements by Share-based Payment Award (Details) - $ / shares	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Shares:
Options outstanding, beginning of period (shares)	406,815	395,349
Exercised (shares)	(27,470)	(53,564)
Granted (shares)	1,000	1,500
Forfeited (shares)	(17,170)	(4,520)
Options outstanding, end of period (shares)	363,175	338,765
Weighted Average Exercise Price (in dollars per share):
Options outstanding, beginning of period (dollars per share)	$ 21.62	$ 18.45
Exercised (dollars per share)	12.09	9.70
Granted (dollars per share)	27.25	19.13
Forfeited (dollars per share)	25.91	27.57
Options outstanding, end of period (dollars per share)	$ 22.15	$ 19.71

Stock Compensation Plans And St

Stock Compensation Plans And Stock Based Compensation: Schedule of Fair Value Assumptions (Details)	6 Months Ended
	Mar. 31, 2022$ / shares
Share-based Payment Arrangement, Noncash Expense [Abstract]
Expected volatility (percent)	34.00%
Expected term (in years)	5 years
Expected dividend yield (percent)	3.49%
Risk free interest rate (percent)	1.22%
Grant date fair value per share (dollars per share)	$ 5.88

Stock Compensation Plans_ Stock

Stock Compensation Plans: Stock Options by Exercise Price (Details) - Stock Options shares in Thousands	6 Months Ended
	Mar. 31, 2022$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding, Number (shares) | shares	363,175
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 22.15
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	6 years 6 months
Options Exercisable, Number (shares) | shares	184,505
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 19.33
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	4 years 8 months 12 days
$5.86 - $6.00
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price, minimum (dollars per share)	$ 5.86
Weighted Average Exercise Price, maximum (dollars per share)	$ 6
Options Outstanding, Number (shares) | shares	4,000
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 5.93
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	6 months
Options Exercisable, Number (shares) | shares	4,000
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 5.93
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	6 months
$9.00
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price, minimum (dollars per share)	$ 9
Options Outstanding, Number (shares) | shares	17,500
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 9
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	1 year 7 months 6 days
Options Exercisable, Number (shares) | shares	17,500
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 9
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	1 year 7 months 6 days
$10.26 - $10.71
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price, minimum (dollars per share)	$ 10.26
Weighted Average Exercise Price, maximum (dollars per share)	$ 10.71
Options Outstanding, Number (shares) | shares	50,575
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 10.56
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	2 years 10 months 24 days
Options Exercisable, Number (shares) | shares	50,575
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 10.56
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	2 years 10 months 24 days
$15.67 - $19.13
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price, minimum (dollars per share)	$ 15.67
Weighted Average Exercise Price, maximum (dollars per share)	$ 19.13
Options Outstanding, Number (shares) | shares	89,450
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 16.53
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	7 years 3 months 18 days
Options Exercisable, Number (shares) | shares	36,130
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 16.05
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	5 years 8 months 12 days
$26.50 - $27.25
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price, minimum (dollars per share)	$ 26.5
Weighted Average Exercise Price, maximum (dollars per share)	$ 27.25
Options Outstanding, Number (shares) | shares	41,700
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 27.13
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	7 years 7 months 6 days
Options Exercisable, Number (shares) | shares	16,280
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 27.12
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	7 years 6 months
$28.23 - $29.69
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price, minimum (dollars per share)	$ 28.23
Weighted Average Exercise Price, maximum (dollars per share)	$ 29.69
Options Outstanding, Number (shares) | shares	122,250
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 28.79
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	8 years
Options Exercisable, Number (shares) | shares	37,400
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 29.69
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	5 years 6 months
$31.80
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price, minimum (dollars per share)	$ 31.8
Options Outstanding, Number (shares) | shares	37,700
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 31.80
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	6 years 6 months
Options Exercisable, Number (shares) | shares	22,620
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 31.80
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	6 years 6 months

Fair Value Measurements_ Balanc

Fair Value Measurements: Balances of assets and liabilities measured at estimated fair value on a recurring basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	$ 51,526	$ 64,131
MBS: U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	50,624	63,176
Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	902	955
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	50,624	63,176
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	0	0
Recurring | MBS: U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	50,624	63,176
Recurring | Mutual funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	902	955
Recurring | Fair Value, Inputs, Level 1 | MBS: U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	0	0
Recurring | Fair Value, Inputs, Level 1 | Mutual funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	902	955
Recurring | Fair Value, Inputs, Level 2 | MBS: U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	50,624	63,176
Recurring | Fair Value, Inputs, Level 2 | Mutual funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	0	0
Recurring | Fair Value, Inputs, Level 3 | MBS: U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	0	0
Recurring | Fair Value, Inputs, Level 3 | Mutual funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	$ 0	$ 0

Fair Value Measurements_ Bala_2

Fair Value Measurements: Balances of assets measured at estimated fair value on a non-recurring basis, and total losses resulting from estimated fair value adjustments (Details) - Nonrecurring - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	$ 0	$ 0
Fair Value, Inputs, Level 1 | Mortgage loans, land
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring		0
Fair Value, Inputs, Level 1 | Commercial business loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	0	0
Fair Value, Inputs, Level 1 | Total impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	0	0
Fair Value, Inputs, Level 1 | Private label residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	0	0
Fair Value, Inputs, Level 1 | OREO and other repossessed assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	0	0
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	1	10
Fair Value, Inputs, Level 2 | Mortgage loans, land
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring		0
Fair Value, Inputs, Level 2 | Commercial business loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	0	0
Fair Value, Inputs, Level 2 | Total impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	0	0
Fair Value, Inputs, Level 2 | Private label residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	1	10
Fair Value, Inputs, Level 2 | OREO and other repossessed assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	0	0
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	279	566
Fair Value, Inputs, Level 3 | Mortgage loans, land
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring		286
Fair Value, Inputs, Level 3 | Commercial business loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	122	123
Fair Value, Inputs, Level 3 | Total impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	122	409
Fair Value, Inputs, Level 3 | Private label residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	0	0
Fair Value, Inputs, Level 3 | OREO and other repossessed assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	$ 157	$ 157

Fair Value Measurements_ Fair V

Fair Value Measurements: Fair Value Measurements, Nonrecurring, Valuation Techniques (Details) - Nonrecurring - Fair Value, Inputs, Level 3 - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, estimated fair value, nonrecurring	$ 279	$ 566
Impaired loans
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, estimated fair value, nonrecurring	122	409
Impaired loans | Market Approach Valuation Technique
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, estimated fair value, nonrecurring	122	409
OREO and other repossessed assets | Market Approach Valuation Technique
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, estimated fair value, nonrecurring	$ 157	$ 157

Fair Value Measurements_ Schedu

Fair Value Measurements: Schedule of estimated fair values of financial instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments in equity securities	$ 902	$ 955
Other investments, at cost	3,000	3,000	[1]
Recorded Amount
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	492,302	580,196
CDs held for investment	28,619	28,482
Investment securities	240,029	132,278
Investments in equity securities	902	955
FHLB stock	2,194	2,103
Other investments, at cost	3,000	3,000
Loans held for sale	2,772	3,217
Loans receivable, net	1,034,080	968,454
Accrued interest receivable	3,927	3,745
Certificates of deposit	126,646	134,129
Accrued interest payable	103	134
Fair Value
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	492,302	580,196
CDs held for investment	28,619	28,482
Investment securities	235,331	133,286
Investments in equity securities	902	955
FHLB stock	2,194	2,103
Other investments, at cost	3,000	3,000
Loans held for sale	2,822	3,290
Loans receivable, net	1,042,196	981,905
Accrued interest receivable	3,927	3,745
Certificates of deposit	127,017	135,178
Accrued interest payable	103	134
Fair Value | Fair Value, Inputs, Level 1
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	492,302	580,196
CDs held for investment	28,619	28,482
Investment securities	137,802	28,670
Investments in equity securities	902	955
FHLB stock	2,194	2,103
Other investments, at cost	3,000	3,000
Loans held for sale	2,822	3,290
Loans receivable, net	0	0
Accrued interest receivable	3,927	3,745
Certificates of deposit	0	0
Accrued interest payable	103	134
Fair Value | Fair Value, Inputs, Level 2
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0
CDs held for investment	0	0
Investment securities	97,529	104,616
Investments in equity securities	0	0
FHLB stock	0	0
Other investments, at cost	0	0
Loans held for sale	0	0
Loans receivable, net	0	0
Accrued interest receivable	0	0
Certificates of deposit	0	0
Accrued interest payable	0	0
Fair Value | Fair Value, Inputs, Level 3
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0
CDs held for investment	0	0
Investment securities	0	0
Investments in equity securities	0	0
FHLB stock	0	0
Other investments, at cost	0	0
Loans held for sale	0	0
Loans receivable, net	1,042,196	981,905
Accrued interest receivable	0	0
Certificates of deposit	127,017	135,178
Accrued interest payable	$ 0	$ 0
[1]	Derived from audited consolidated financial statements.

Revenue from Contract with Cust

Revenue from Contract with Customer (Details) - USD ($)	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Deposit Account
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	$ 1,014,000	$ 941,000	$ 1,927,000	$ 1,996,000
Credit and Debit Card
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	1,247,000	1,237,000	2,523,000	2,393,000
Asset Management
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	44,000	74,000	123,000	179,000
Investment Advice
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	$ 8,000	$ 3,000	$ 10,000	$ 7,000