Timberland Bancorp (TSBK) 10-Q 12 Feb 24 2024 Q1 Quarterly report Financial data

Cover

Cover - $ / shares	3 Months Ended
	Dec. 31, 2023	Feb. 01, 2024	Sep. 30, 2023
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Dec. 31, 2023
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)		8,122,908
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	2024
Document Fiscal Period Focus	Q1
Amendment Flag	false

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Dec. 31, 2023
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 required 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 changed the accounting for PCI debt securities and loans. ASU 2016-13 retained many of the current disclosure requirements in GAAP and expanded certain disclosure requirements. As a "smaller reporting company" filer with the U.S. Securities and Exchange Commission, ASU 2016-13 was effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Upon adoption, the Company experienced changes in the processes and procedures to calculate the allowance for credit losses, including changes in the assumptions and estimates to consider expected credit losses over the life of the loan versus the accounting practices that were utilized with the incurred loss model. In addition, the prior policy for OTTI on investment securities available for sale was replaced with an allowance approach. On October 1, 2023, the Company adopted this ASU, which resulted in a net of tax charge of $488,000 to retained earnings, a $461,000 increase to the allowance for credit losses on loans, a $92,000 increase to credit losses on investment securities, and a $65,000 increase to credit losses on unfunded commitments for the cumulative effect of adopting this guidance. For more information related to the implementation, see Note 4 Loans Receivable and Allowance for Credit Losses, Note 2 Investment Securities and Note 12 Commitment and Contingent Liabilities. 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 has 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 would then recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized would not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity would 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 of ASU 2017-04 did not have a material impact on the Company's consolidated financial statements. In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures.

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
Cash and cash equivalents:
Cash and due from financial institutions	$ 28,656	$ 25,390	[1]
Interest-bearing deposits in banks	129,365	103,331	[1]
Total cash and cash equivalents	158,021	128,721	[1]
Certificates of deposit (“CDs”) held for investment (at cost, which      approximates fair value)	12,449	15,188	[1]
Investment securities held to maturity, at amortized cost (net of allowance for credit losses of $82 at December 31, 2023), (estimated fair value of $254,361 and $253,766)	266,085	270,218	[1]
Investment securities available for sale, at fair value	40,446	41,771	[1]
Investments in equity securities, at fair value	848	811
Federal Home Loan Bank of Des Moines (“FHLB”) stock, at cost	2,001	3,602	[1]
Other investments, at cost	3,000	3,000	[1]
Loans held for sale	1,425	400	[1]
Loans receivable, net of allowance for credit losses of $16,655 and $15,817	1,336,283	1,302,305	[1]
Premises and equipment, net	21,584	21,642	[1]
Accrued interest receivable	6,731	6,004	[1]
Bank owned life insurance (“BOLI”)	23,122	22,966	[1]
Goodwill	15,131	15,131	[1]
Core deposit intangible (“CDI”), net	621	677
Loan servicing rights, net	1,925	2,124	[1]
Operating lease right-of-use ("ROU") assets	1,698	1,772	[1]
Other assets	3,745	3,573	[1]
Total assets	1,895,115	1,839,905	[1]
Deposits:
Non-interest-bearing demand	433,065	455,864	[1]
Interest-bearing	1,194,004	1,105,071	[1]
Total deposits	1,627,069	1,560,935	[1]
FHLB borrowings	20,000	35,000	[1]
Operating lease liabilities	1,796	1,867
Other liabilities and accrued expenses	8,881	9,030	[1]
Total liabilities	1,657,746	1,606,832	[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; 8,120,708 shares issued and outstanding - December 31, 2023 8,105,338 shares issued and outstanding - September 30, 2023	34,869	34,771	[2]
Retained earnings	203,327	199,386	[2]
Accumulated other comprehensive loss	(827)	(1,084)	[2]
Total shareholders’ equity	237,369	233,073	[2]
Total liabilities and shareholders’ equity	$ 1,895,115	$ 1,839,905	[2]
[1] Derived from audited consolidated financial statements. Derived from audited consolidated financial statements.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
Statement of Financial Position [Abstract]
Allowance for Credit Losses ("ACL")	$ 82	$ 0
Investments securities held to maturity, estimated fair value	254,361	253,766
Allowance for loan losses	$ 16,655	$ 15,817
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)	8,120,708	8,105,338
Common stock shares outstanding (shares)	8,120,708	8,105,338

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest and dividend income
Loans receivable and loans held for sale	$ 18,395	$ 14,457
Investment securities	2,311	2,214
Dividends from mutual funds, FHLB stock and other investments	91	51
Interest-bearing deposits in banks and CDs	1,699	2,390
Total interest and dividend income	22,496	19,112
Interest expense
Deposits	6,143	1,369
FHLB borrowings	349	0
Total interest expense	6,492	1,369
Net interest income	16,004	17,743
Provision for (recapture of) credit losses
Provision for credit losses - loans	379	525
Recapture of credit losses - investment securities	(10)	0
Recapture of credit losses - unfunded commitments	(33)	0
Total provision for credit loss - net	336	525
Net interest income after provision for (recapture of) credit losses	15,668	17,218
Non-interest income
Net recoveries on investment securities	5	3
BOLI net earnings	156	156
Gain on sales of loans, net	78	21
Other, net	253	297
Total non-interest income, net	2,798	2,705
Non-interest expense
Salaries and employee benefits	5,911	5,900
Premises and equipment	973	924
Advertising	186	195
ATM and debit card interchange transaction fees	615	483
Postage and courier	126	121
State and local taxes	319	299
Professional fees	253	429
Federal Deposit Insurance Corporation ("FDIC") insurance	210	124
Loan administration and foreclosure	105	120
Technology and telecommunication expenses	974	789
Deposit operations	320	346
Amortization of CDI	56	68
Other	576	737
Total non-interest expense, net	10,624	10,535
Income before income taxes	7,842	9,388
Provision for income taxes	1,546	1,881
Net income	$ 6,296	$ 7,507
Net income per common share
Basic (in dollars per share)	$ 0.78	$ 0.91
Diluted (in dollars per share)	$ 0.77	$ 0.90
Weighted average common shares outstanding
Basic (in shares)	8,114,209	8,232,273
Diluted (in shares)	8,166,048	8,318,733
Deposit Account
Non-interest income
Revenue from contract with customer	$ 1,023	$ 947
Credit and Debit Card
Non-interest income
Revenue from contract with customer	1,264	1,251
Asset Management
Non-interest income
Revenue from contract with customer	$ 19	$ 30

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Comprehensive income
Net income	$ 6,296	$ 7,507
Unrealized holding gain (loss) on investment securities available for sale, net of income taxes of $66 and $(5), respectively	248	(19)
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, and $0, respectively	9	1
Total other comprehensive income (loss), net of income taxes	257	(18)
Total comprehensive income	$ 6,553	$ 7,489

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Unrealized holding loss on investment securities available for sale, tax	$ 66	$ (5)
Accretion of OTTI on investment securities held to maturity, tax	$ 1	$ 0

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - USD ($) $ in Thousands	Total		Impact of Adopting CECL (ASU 2016-13)	Stock Options	Common Stock	Common Stock Stock Options	Retained Earnings	Retained Earnings Impact of Adopting CECL (ASU 2016-13)	Accumulated Other Compre-hensive Income (Loss)
Balance at beginning of period (in shares) at Sep. 30, 2022					8,221,952
Balance at beginning of period at Sep. 30, 2022	$ 218,569				$ 38,751		$ 180,535		$ (717)	[1]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	7,507						7,507
Other comprehensive loss	(18)								(18)
Repurchase of common stock (in shares)					(10,570)
Repurchase of common stock	$ (348)				$ (348)
Exercise of stock options (in shares)	19,815				19,815
Exercise of stock options	$ 397				$ 397
Common stock dividends	(2,636)						(2,636)
Stock-based compensation expense				$ 78		$ 78
Balance at end of period (in shares) at Dec. 31, 2022					8,231,197
Balance at end of period at Dec. 31, 2022	223,549				$ 38,878		185,406		(735)	[1]
Balance at beginning of period (in shares) at Sep. 30, 2023					8,105,338
Balance at beginning of period at Sep. 30, 2023	233,073	[2]			$ 34,771		199,386		(1,084)	[1]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	6,296						6,296
Other comprehensive loss	257								257
Repurchase of common stock (in shares)					(12,330)
Repurchase of common stock	$ (362)				$ (362)
Exercise of stock options (in shares)	27,700				27,700
Exercise of stock options	$ 355				$ 355
Common stock dividends	(1,867)						(1,867)
Stock-based compensation expense				$ 105		$ 105
Balance at end of period (in shares) at Dec. 31, 2023					8,120,708
Balance at end of period at Dec. 31, 2023	$ 237,369		$ (488)		$ 34,869		$ 203,327	$ (488)	$ (827)	[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
	Dec. 31, 2023	Dec. 31, 2022
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2016-13 [Member]
Common Stock
Dividends paid per common share (in dollars per share)	$ 0.23	$ 0.32

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities
Net income	$ 6,296	$ 7,507
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	336	525
Depreciation	356	338
Accretion of discount on purchased loans	(10)	(28)
Amortization of CDI	56	68
Stock-based compensation expense	105	78
Net recoveries on investment securities	(5)	(3)
Change in fair value of investments in equity securities	(37)	(2)
Accretion of discounts and premiums on securities	(293)	(298)
Gain on sales of loans, net	(78)	(21)
Loans originated for sale	(4,742)	(389)
Proceeds from sales of loans	3,795	1,158
Amortization of loan servicing rights	236	263
BOLI net earnings	(156)	(156)
Increase in deferred loan origination fees	95	211
Net change in accrued interest receivable and other assets, and other liabilities and accrued expenses	(1,087)	170
Net cash provided by operating activities	4,867	9,421
Cash flows from investing activities
Net decrease (increase) in CDs held for investment	2,739	(498)
Purchase of investment securities held to maturity	(1,919)	(14,317)
Purchase of investment securities available for sale	0	(16,993)
Proceeds from maturities and prepayments of investment securities held to maturity	6,275	2,626
Proceeds from maturities and prepayments of investment securities available for sale	1,644	2,559
Redemption of FHLB stock	1,601	0
Increase in loans receivable, net	(34,869)	(40,841)
Purchases of premises and equipment	(298)	(143)
Net cash used in investing activities	(24,827)	(67,607)
Cash flows from financing activities
Net increase (decrease) in deposits	66,134	(31,086)
Repayments of FHLB borrowings	(15,000)	0
Proceeds from exercise of stock options	355	397
Repurchase of common stock	(362)	(348)
Payment of dividends	(1,867)	(2,636)
Net cash provided by (used in) financing activities	49,260	(33,673)
Net increase (decrease) in cash and cash equivalents	29,300	(91,859)
Beginning of period	128,721	316,755
End of period	158,021	224,896
Supplemental disclosure of cash flow information
Interest paid	6,206	1,180
Supplemental disclosure of non-cash investing activities
Other comprehensive income (loss) related to investment securities	257	(18)
Adjustment to retained earnings, net of deferred tax; - adoption of ASU 2016-13	$ (488)	$ 0

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	3 Months Ended
	Dec. 31, 2023
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, 2023 (“2023 Form 10-K”). The unaudited consolidated results of operations for the three months ended December 31, 2023 are not necessarily indicative of the results that may be expected for the entire fiscal year ending September 30, 2024. (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 the 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 December 31, 2023 presentation with no change to previously reported net income or total shareholders’ equity.

Investment Securities

Investment Securities	3 Months Ended
	Dec. 31, 2023
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 December 31, 2023 and September 30, 2023 (dollars in thousands): Amortized Gross Gross Estimated Allowance for Credit Losses ("ACL") December 31, 2023 Held to Maturity U.S. Treasury and U.S. government agency securities $ 169,869 $ — $ (7,468) $ 162,401 $ — Mortgage-backed securities ("MBS"): U.S. government agencies 53,185 3 (2,604) 50,584 — Private label residential 40,662 356 (1,934) 39,084 73 Municipal securities 1,878 — (30) 1,848 — Bank issued trust preferred securities 491 — (47) 444 9 Total held to maturity 266,085 $ 359 $ (12,083) $ 254,361 $ 82 December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Available for Sale MBS: U.S. government agencies $ 41,492 $ — $ (1,046) $ 40,446 Total $ 41,492 $ — $ (1,046) $ 40,446 September 30, 2023 Held to Maturity U.S. treasury and U.S. government agency securities $ 171,626 $ — $ (10,088) $ 161,538 MBS: U.S. government agencies 52,294 — (3,950) 48,344 Private label residential 44,011 295 (2,611) 41,695 Municipal securities 1,787 — (47) 1,740 Bank issues trust preferred securities 500 — (51) 449 Total $ 270,218 $ 295 $ (16,747) $ 253,766 Available for Sale MBS: U.S. government agencies $ 43,132 $ — $ (1,361) $ 41,771 $ 43,132 $ — $ (1,361) $ 41,771 Held to maturity and available for sale investment securities with unrealized losses were as follows as of December 31, 2023 (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 $ 9,614 $ (12) 1 $ 152,786 $ (7,456) 25 $ 162,400 $ (7,468) MBS: U.S. government agencies 18,442 (136) 9 31,972 (2,468) 52 50,414 (2,604) Private label residential — — — 35,585 (1,934) 30 35,585 (1,934) Municipal securities — — — 1,748 (30) 1 1,748 (30) Bank issued trust preferred securities — — — 453 (47) 1 453 (47) Total $ 28,056 $ (148) 10 $ 222,544 $ (11,935) 109 $ 250,600 $ (12,083) Available for sale MBS: U.S. government agencies $ 11,953 $ (134) 4 $ 28,179 $ (912) 26 $ 40,132 $ (1,046) Total $ 11,953 $ (134) 4 $ 28,179 $ (912) 26 $ 40,132 $ (1,046) Held to maturity and available for sale investment securities with unrealized losses were as follows as of September 30, 2023 (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 $ 9,455 $ (129) 1 $ 152,082 $ (9,959) 26 $ 161,537 $ (10,088) MBS: U.S. government agencies 16,432 (549) 13 31,703 (3,401) 51 48,135 (3,950) Private label residential 1,288 (2) 1 38,205 (2,609) 32 39,493 (2,611) Municipal securities — — — 1,740 (47) 1 1,740 (47) Bank issued trust preferred securities — — — 449 (51) 1 449 (51) Total $ 27,175 $ (680) 15 $ 224,179 $ (16,067) 111 $ 251,354 $ (16,747) Available for sale MBS: U.S. government agencies $ 10,635 $ (308) 3 $ 30,809 $ (1,053) 27 $ 41,444 $ (1,361) Total $ 10,635 $ (308) 3 $ 30,809 $ (1,053) 27 $ 41,444 $ (1,361) During the three months ended December 31, 2023, the Company recorded a $1,000 net realized loss on 13 held to maturity investment securities all of which had been recognized previously as credit loss. During the three months ended December 31, 2022, the Company recorded a $7,000 net realized loss on 14 held to maturity investment securities all of which had been recognized previously as 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 $204.13 million and $201.82 million at December 31, 2023 and September 30, 2023, respectively. The contractual maturities of debt securities at December 31, 2023 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 within one year $ 94,888 $ 93,677 $ 387 $ 385 Due after one year to five years 91,471 85,469 2,568 2,553 Due after five years to ten years 8,932 8,140 5,793 5,758 Due after ten years 70,794 67,075 32,744 31,750 Total $ 266,085 $ 254,361 $ 41,492 $ 40,446 Credit Quality Indicators and Allowance for Credit Losses Available for Sale Investment Securities The Company assesses each available for sale investment security that is in an unrealized loss position to determine whether the decline in fair value below the amortized cost basis results from a credit loss or other factors. The Company did not record an ACL on any available for sale debt securities at December 31, 2023 or upon adoption of ASU 2016-13 on October 1, 2023. As of both dates, the Company considered the unrealized losses across the classes of major security-type to be related to fluctuations in market conditions, primarily interest rates, and not reflective of a deterioration in credit value. The Company expects the fair value of these securities to recover as the securities approach their maturity dates or sooner if market yields for such securities decline. The Company does not believe that these securities are other than temporarily impaired because of their credit quality or related to any issuer or industry specific event. The Company has the ability and intent to hold the investments until the fair value recovers. Held to Maturity Investment Securities The Company measures expected credit losses on held to maturity investment securities, which are comprised of U.S. government agency and U.S. government mortgage-backed securities, private label mortgage-backed securities, municipal, and other bonds. The Company’s agency and mortgage-backed securities that are issued by U.S. government entities and agencies are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. As such, no ACL has been established for these securities. The ACL on the private label mortgage-backed securities, municipal, and other bonds within the held to maturity securities portfolio is calculated using the probability of default/loss given default ("PD/LGD") method. The calculation is completed on a quarterly basis using the default studies provided by an industry leading source. At December 31, 2023, the allowance for credit losses on the held to maturity securities portfolio totaled $82,000. The following table sets forth information for the three months ended December 31, 2023 regarding activity in the ACL by portfolio segment (dollars in thousands): Three Months Ended December 31, 2023 Held to Maturity Beginning Allowance Impact of Adopting CECL (ASU 2016-13) Provision for (Recapture of) Credit Losses Ending Allowance MBS: Private label residential $ — $ 82 $ (9) $ 73 Bank issued trust preferred securities — 10 (1) 9 Total $ — $ 92 $ (10) $ 82 The ACL on held to maturity investment securities is included within investment securities held to maturity on the consolidated balance sheets. Changes in the ACL are recorded within provision for (recapture of) credit losses on the consolidated income statement. Accrued interest receivable on held to maturity investment securities totaled $908,000 at December 31, 2023 and is included within accrued interest income receivable on the consolidated balance sheet. This amount is excluded from the estimate of expected credit losses. Held to maturity debt securities are typically classified as non-accrual when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about the further collectability of principal or interest. When held to maturity debt securities are placed on non-accrual status, unpaid interest credited to income is reversed. The Company had $85,000 of private label mortgage-backed held to maturity investment securities in non-accrual status at December 31, 2023. The Company monitors the credit quality of debt securities held to maturity through the use of credit ratings from Moody's, S&P and Fitch. The Company monitors the credit ratings on a quarterly basis. The following table sets forth the Company's held to maturity investment securities at December 31, 2023 by credit quality indicator: Credit Ratings As of December 31, 2023 AAA/AA/A BBB/BB/B Unrated Total Held to Maturity U.S. Treasury and U.S. government agency securities $ 169,869 $ — $ — $ 169,869 Mortgage-backed securities ("MBS"): U.S. government agencies 53,185 — — 53,185 Private label residential 19,324 — 21,338 40,662 Municipal securities 1,778 — 100 1,878 Bank issued trust preferred securities — — 491 491 Total held to maturity $ 244,156 $ — $ 21,929 $ 266,085 Prior to adopting ASU 2016-13, the Company bifurcated 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 was required in this analysis that included, but not limited to, assumptions regarding the collectability of principal and interest, net of related expenses, on the underlying loans. The amounts written off due to credit loss remain and continue to be recovered on a cash basis. The following table presents a roll forward of the credit loss component of held to maturity debt securities that have been written down for OTTI with the credit loss component recognized in earnings for the three months ended December 31, 2023 and 2022 (dollars in thousands): Three Months Ended 2023 2022 Beginning balance of credit loss $ 816 $ 836 Subtractions: Net realized loss previously recorded as credit losses (1) (7) Recapture of prior credit loss (4) (3) Ending balance of credit loss $ 811 $ 826

Goodwill and CDI

Goodwill and CDI	3 Months Ended
	Dec. 31, 2023
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 2023 goodwill impairment test during the quarter ended June 30, 2023 with the assistance of an independent third-party firm specializing in goodwill impairment valuations for financial institutions. 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, 2023. 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 December 31, 2023, management believes that there have been no events or changes in the circumstances since May 31, 2023 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 any decreases in the Company's stock price and market capitalization were deemed 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 December 31, 2023 and September 30, 2023 remained unchanged at $15.13 million.

Loans Receivable And Allowance

Loans Receivable And Allowance For Loan Losses	3 Months Ended
	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Loans Receivable And Allowance For Loan Losses	LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES Loans receivable by portfolio segment consisted of the following at December 31, 2023 and September 30, 2023 (dollars in thousands): December 31, September 30, Amount Percent Amount Percent Mortgage loans: One- to four-family (1) $ 263,122 18.0 % $ 253,227 17.8 % Multi-family 147,321 10.1 127,176 8.9 Commercial 579,038 39.6 568,265 39.8 Construction - custom and owner/builder 134,878 9.2 129,699 9.1 Construction - speculative one- to four-family 17,609 1.2 17,099 1.2 Construction - commercial 36,702 2.5 51,064 3.6 Construction - multi-family 57,019 3.9 57,140 4.0 Construction - land development 18,878 1.3 18,841 1.3 Land 28,697 2.0 26,726 1.9 Total mortgage loans 1,283,264 87.8 1,249,237 87.6 Consumer loans: Home equity and second mortgage 39,403 2.7 38,281 2.7 Other 2,926 0.2 2,772 0.2 Total consumer loans 42,329 2.9 41,053 2.9 Commercial loans: Commercial business 136,942 9.3 135,802 9.5 U.S. Small Business Administration ("SBA") Paycheck Protection Program ("PPP") loans 423 — 466 — Total commercial loans 137,365 9.3 136,268 9.5 Total loans receivable 1,462,958 100.0 % 1,426,558 100.0 % Less: Undisbursed portion of construction loans in process (LIP") 104,683 103,194 Deferred loan origination fees, net 5,337 5,242 ACL 16,655 15,817 Subtotal 126,675 124,253 Loans receivable, net $ 1,336,283 $ 1,302,305 _____________________________ (1) Does not include one- to four-family loans held for sale totaling $1,425 and $400 at December 31, 2023 and September 30, 2023, respectively. Loans receivable at December 31, 2023 and September 30, 2023 are reported net of unamortized discounts totaling $182,000 and $192,000, respectively. 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 December 31, 2023 and September 30, 2023, 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 December 31, 2023 and September 30, 2023, there were no loans classified as loss. The following table sets forth the Company's loan portfolio at December 31, 2023 by risk attribute and year of origination as well as current period gross charge-offs (dollars in thousands): Impaired Loans Prior to the adoption of CECL, a loan was considered impaired when it was probable that the Company would be unable to collect all amounts (principal and interest) when due according to the original 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 was identified as being impaired, the amount of the impairment was 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 was 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 credit 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 prior to the adoption of CECL as of September 30, 2023 and for the year then ended (dollars in thousands): Recorded Unpaid Principal Balance (Loan Balance Plus Charge Off) Related Year to Date ("YTD") Average Recorded Investment (1) YTD Interest Income Recognized (1) YTD Cash Basis Interest Income Recognized (1) With no related allowance recorded: Mortgage loans: One- to four-family $ 368 $ 412 $ — $ 378 $ 29 $ 29 Commercial 2,973 2,973 — 2,987 167 129 Land — — — 297 5 4 Consumer loans: Home equity and second mortgage 382 382 — 390 12 10 Other — — — 1 — — Commercial business loans 41 90 — 49 — — Subtotal 3,764 3,857 — 4,102 213 172 With an allowance recorded: Commercial business loans 245 245 123 247 — — Subtotal 245 245 123 247 — — Total: Mortgage loans: One- to four-family 368 412 — 378 29 29 Commercial 2,973 2,973 — 2,987 167 129 Land — — — 297 5 4 Consumer loans: Home equity and second mortgage 382 382 — 390 12 10 Other — — — 1 — — Commercial business loans 286 335 123 296 — — Total $ 4,009 $ 4,102 $ 123 $ 4,349 $ 213 $ 172 ______________________________________________ (1) For the year ended September 30, 2023. 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 $ 383 $ 427 $ — $ 386 $ 7 $ 7 Commercial 2,980 2,980 — 2,984 33 42 Land 425 425 — 438 — — Consumer loans: Home equity and second mortgage 405 405 — 400 2 3 Other 2 2 — 3 — — Commercial business loans 55 103 — 57 — — Subtotal 4,250 4,342 — 4,268 42 52 With an allowance recorded: Commercial business loans 249 249 127 249 — — Subtotal 249 249 127 249 — — Total Mortgage loans: One- to four-family 383 427 — 386 7 7 Commercial 2,980 2,980 — 2,984 33 42 Land 425 425 — 438 — — Consumer loans: Home equity and second mortgage 405 405 — 400 2 3 Other 2 2 — 3 — — Commercial business loans 304 352 127 306 — — Total $ 4,499 $ 4,591 $ 127 $ 4,517 $ 42 $ 52 _____________________________________________ (1) For the three months ended December 31, 2022. Troubled debt restructurings ("TDRs") On October 1, 2023, the Company adopted ASU No. 2022-02, Financial Instruments - Credit Losses (ASU 2016-13). This ASU eliminated the accounting guidance for TDR loans for creditors, while enhancing disclosure requirements for certain loan refinancing and restructurings by creditors when a borrower experiences financial difficulty. No loans to borrowers experiencing financial difficulty were modified in the three months ended December 31, 2023. At December 31, 2022, the Company had $2.58 million of TDRs, all of which were paying as agreed. There were no new TDRs for the three months ended December 31, 2022. In accordance with the Company's policy guidelines, unsecured loans are generally charged-off when no payments have been received for three consecutive months unless an alternative action plan is in effect. The outstanding balance of a secured loan that is in excess of the net realizable value is generally charged-off if no payments are received for four or five consecutive months. However, charge-off's are postponed if alternative proposals to restructure, obtain additional guarantors, obtain additional assets as collateral or a potential sale of the underlying collateral would result in full repayment of the outstanding loan balance. Once any other potential source of repayment are exhausted, the impaired portion of the loan is charged-off. Regardless of whether a loan is unsecured or collateralized, once an amount is determined to be a confirmed loan loss it is promptly charged off.

Leases

Leases	3 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Leases	LEASES At December 31, 2023, the Company has operating leases for two retail bank branch offices and an administrative office. The Company's leases have remaining lease terms of two 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 months ended December 31, 2023 and 2022 (dollars in thousands): Three Months Ended December 31, Lease cost: 2023 2022 Operating lease cost $ 93 $ 88 Short-term lease cost — — Total lease cost $ 93 $ 88 The following tables provide supplemental information related to operating leases at or for the three months ended December 31, 2023 and year ended September 30, 2023 (dollars in thousands): At or For the Three Months Ended December 31, 2023 At or For the Year Ended September 30, 2023 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 82 $ 316 Weighted average remaining lease term-operating leases 6.5 years 6.7 years Weighted average discount rate-operating leases 2.34 % 2.33 % 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 lease liability was determined by utilizing the FHLB fixed-rate credit advance borrowing rate for the term correlating to the remaining term of each lease. Maturities of operating lease liabilities at December 31, 2023 for future fiscal years are as follows (dollars in thousands): Remainder of 2024 $ 250 2025 336 2026 304 2027 232 2028 219 Thereafter 601 Total lease payments 1,942 Less imputed interest 146 Total $ 1,796

Net Income Per Common Share

Net Income Per Common Share	3 Months Ended
	Dec. 31, 2023
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. Nonvested shares of restricted stock are included in the computation of basic earnings per share because the holder has voting rights and shares in non-forfeitable dividends during the vesting period. 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 months ended December 31, 2023 and 2022 is as follows (dollars in thousands, except per share amounts): Three Months Ended December 31, 2023 2022 Basic net income per common share computation Numerator – net income $ 6,296 $ 7,507 Denominator – weighted average common shares outstanding 8,114,209 8,232,273 Basic net income per common share $ 0.78 $ 0.91 Diluted net income per common share computation Numerator – net income $ 6,296 $ 7,507 Denominator – weighted average common shares outstanding 8,114,209 8,232,273 Effect of dilutive stock options (1) 51,839 86,460 Weighted average common shares outstanding - assuming dilution 8,166,048 8,318,733 Diluted net income per common share $ 0.77 $ 0.90 ____________________________________________ (1) For the three months ended December 31, 2023 and 2022, average options to purchase 214,595 and 182,000 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 Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Dec. 31, 2023
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 months ended December 31, 2023 and 2022 are as follows (dollars in thousands): Three Months Ended December 31, 2023 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 $ (1,075) $ (9) $ (1,084) Other comprehensive income 248 9 257 Balance of AOCI at the end of period $ (827) $ — $ (827) Three Months Ended December 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 $ (706) $ (11) $ (717) Other comprehensive income (loss) (19) 1 (18) Balance of AOCI at the end of period $ (725) $ (10) $ (735) __________________________ (1) All amounts are net of income taxes.

Stock Compensation Plans

Stock Compensation Plans	3 Months Ended
	Dec. 31, 2023
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 Stock option activity for the three months ended December 31, 2023 and 2022 is summarized as follows: Three Months Ended December 31, 2023 Three Months Ended December 31, 2022 Number of Shares Weighted Number of Shares Weighted Options outstanding, beginning of period 369,150 $ 24.00 421,925 $ 23.30 Exercised (27,700) 12.81 (19,815) 20.01 Forfeited (5,380) 25.10 (1,800) 29.68 Options outstanding, end of period 336,070 $ 24.91 400,310 $ 23.43 The fair value of stock options is determined using the Black-Scholes valuation model. There were no stock options granted during the three months ended December 31, 2023 and 2022. The aggregate intrinsic value of options exercised during the three months ended December 31, 2023 and 2022 was $469,000 and $244,000, respectively. At December 31, 2023, there were 124,640 unvested options with an aggregate grant date fair value of $725,000, all of which the Company assumes will vest. The aggregate intrinsic value of unvested options at December 31, 2023 was $704,000. There were 100 options that vested during the three months ended December 31, 2023 with a total fair value of $326. At December 31, 2022, there were 191,710 unvested options with an aggregate grant date fair value of $1.08 million. There were 200 options that vested during the three months ended December 31, 2022 with a total fair value of $652. Additional information regarding options outstanding at December 31, 2023 is as follows: Options Outstanding Options Exercisable Range of Number Weighted Weighted Number Weighted Weighted 10.26 - 10.71 26,250 10.62 1.5 26,250 10.62 1.5 15.67 - 19.13 63,820 16.53 5.6 41,560 16.34 5.0 26.50 - 27.40 102,880 27.31 7.8 42,000 27.23 6.8 28.23 - 29.69 108,400 28.79 6.2 67,900 29.12 5.3 31.80 - 33.40 34,720 31.85 4.9 33,720 31.80 4.8 336,070 $ 24.91 6.1 211,430 $ 24.36 5.0 The aggregate intrinsic value of options outstanding at December 31, 2023 and 2022 was $2.22 million and $4.28 million , respectively. As of December 31, 2023, unrecognized compensation cost related to unvested stock options was $711,000, which is expected to be recognized over a weighted average life of 2.02 years. At December 31, 2023, there were 26,150 unvested restricted stock awards. At December 31, 2022, there were no unvested restricted stock awards. There were no restricted stock grants awarded during the three months ended December 31, 2023 and 2022. Time Based Number of Unvested Shares Weighted Average Grant Date Fair Value Outstanding, September 30, 2023 26,150 $ 27.37 Granted — — Forfeited — — Vested — — Outstanding, December 31, 2023 26,150 $ 27.37

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Dec. 31, 2023
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 December 31, 2023 and September 30, 2023. The Company's assets measured at estimated fair value on a recurring basis at December 31, 2023 and September 30, 2023 were as follows (dollars in thousands): December 31, 2023 Estimated Fair Value Level 1 Level 2 Level 3 Total Available for sale investment securities MBS: U.S. government agencies $ — $ 40,446 $ — $ 40,446 Investments in equity securities Mutual funds 848 — — 848 Total $ 848 $ 40,446 $ — $ 41,294 September 30, 2023 Estimated Fair Value Level 1 Level 2 Level 3 Total Available for sale investment securities MBS: U.S. government agencies $ — $ 41,771 $ — $ 41,771 Investments in equity securities Mutual funds 811 — — 811 Total $ 811 $ 41,771 $ — $ 42,582 There were no transfers among Level 1, Level 2 and Level 3 during the three months ended December 31, 2023 and the year ended September 30, 2023. 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: Individually Evaluated Collateral-Dependent Loans: Loans for which repayment is substantially expected to be provided through the operation or sale of collateral are considered collateral dependent, and are valued based on the estimated fair value of the collateral, less estimated costs to sell at the reporting date, where applicable. Accordingly, collateral dependent loans are classified within level 3 of the fair value hierarchy. Impaired Loans : Prior to the adoption of CECL, 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. The following table summarizes the balances of assets measured at estimated fair value on a non-recurring basis at December 31, 2023 and September 30, 2023 (dollars in thousands): Estimated Fair Value December 31, 2023 Level 1 Level 2 Level 3 Individually evaluated loans: Commercial business loans $ — $ — $ 1,401 Total $ — $ — $ 1,401 Estimated Fair Value September 30, 2023 Level 1 Level 2 Level 3 Impaired loans: Commercial business loans $ — $ — $ 122 Total $ — $ — $ 122 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 December 31, 2023 and September 30, 2023 (dollars in thousands): Valuation Unobservable Input(s) Range Individually evaluated and impaired loans Market approach Appraised value less estimated selling costs N/A 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 December 31, 2023 and September 30, 2023. 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 December 31, 2023 and September 30, 2023 (dollars in thousands): December 31, 2023 Fair Value Measurements Using: Recorded Estimated Fair Value Financial assets Cash and cash equivalents $ 158,021 $ 158,021 $ 158,021 $ — $ — CDs held for investment 12,449 12,449 12,449 — — Investment securities 306,531 294,807 162,401 132,406 — Investments in equity securities 848 848 848 — — FHLB stock 2,001 2,001 2,001 — — Other investments 3,000 3,000 3,000 — — Loans held for sale 1,425 1,426 1,426 — — Loans receivable, net 1,336,283 1,286,383 — — 1,286,383 Accrued interest receivable 6,731 6,731 6,731 — — Financial liabilities Certificates of deposit 318,907 317,531 — — 317,531 FHLB borrowings 20,000 19,877 — — 19,877 Accrued interest payable 1,683 1,683 1,683 — — September 30, 2023 Fair Value Measurements Using: Recorded Estimated Fair Value Level 1 Level 2 Level 3 Financial assets Cash and cash equivalents $ 128,721 $ 128,721 $ 128,721 $ — $ — CDs held for investment 15,188 15,188 15,188 — — Investment securities 311,989 295,538 161,538 134,000 — Investments in equity securities 811 811 811 — — FHLB stock 3,602 3,602 3,602 — — Other investments 3,000 3,000 3,000 — — Loans held for sale 400 407 407 — — Loans receivable, net 1,302,305 1,246,538 — — 1,246,538 Accrued interest receivable 6,004 6,004 6,004 — — Financial liabilities Certificates of deposit 300,100 297,542 — — 297,542 FHLB borrowings 35,000 34,747 — — 34,747 Accrued interest payable 1,397 1,397 1,397 — —

Revenue from Contracts with Cus

Revenue from Contracts with Customers Revenue from Contracts with Customers	3 Months Ended
	Dec. 31, 2023
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	REVENUE FROM CONTRACTS WITH CUSTOMERS ASU 2014-09 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 withi n the scope of ASC 606 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 December 31, 2023, the Company recognized $1.02 million in service charges on deposits, $1.26 million in ATM and debit card interchange transaction fees, $19,000 in escrow fees, and $2,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. For the three months ended December 31, 2022, the Company recognized $947,000 in service charges on deposits, $1.25 million in ATM and debit card interchange transaction fees, $30,000 in escrow fees, and $30,000 in fee income from non-deposit investment sales. 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.

Commitment and Contingencies

Commitment and Contingencies	3 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies Liabilities	COMMITMENTS AND CONTINGENT LIABILITIES In the normal course of business, the Company is party to financial instruments with off-balance-sheet risk to meet the financing needs of its customers. These financial instruments include commitments to extend credit. These instruments involve, to varying degrees, elements of credit risk not recognized in the consolidated balance sheets. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments as it does for on-balance-sheet instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Since commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s credit - worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party. However, such loan to value ratios will subsequently change, based on increases and decreases in the supporting collateral values. Collateral held varies, but may include accounts receivable, inventory, property and equipment, residential real estate, land and income-producing commercial properties. A summary of the Company's commitments at December 31, 2023 and 2022 are listed below (in thousands): December 31, 2023 December 31, 2022 Undisbursed portion of construction loans in process (see Note 4) $ 104,683 112,096 Undisbursed lines of credit 135,250 133,932 Commitments to extend credit 11,810 14,126 $ 251,743 $ 260,154 The Company maintains a separate allowance for credit losses related to unfunded loan commitments. The Company estimates expected losses on unfunded, off-balance sheet commitments over the contractual period in which the exposure to credit risk from a contractual obligation to extend credit, unless the Company has determined that obligation is unconditionally cancellable. The allowance methodology for calculating the ACL on unfunded loan commitments is similar to the methodology for calculating the ACL on loans but also includes an estimate of the future utilization of the commitment as determined by historical commitment utilization. Credit risk associated with the unfunded commitments are consistent with the loss ratio for each loan segment within the allowance for credit losses for loans. The ACL for unfunded commitments is recognized in other liabilities and accrued expenses in the consolidated balance sheets and is adjusted as a provision (recapture of provision) for credit losses on the consolidated income statements. The ACL for unfunded loan commitments totaled $364,000 at December 31, 2023. The following table sets forth information for the three months ended December 31, 2023 and 2022 regarding activity in the allowance for credit losses for unfunded loan commitments (dollars in thousands): Allowance for Credit Losses December 31, 2023 December 31, 2022 Beginning balance $ 332 $ 305 Impact of adopting CECL (ASU 2016-13) 65 — (Recapture of) provision for credit losses (33) 15 Ending allowance $ 364 $ 320 The Bank has an employee severance compensation plan which expires in 2027 that provides for severance pay benefits to eligible employees in the event of a change in control of Timberland Bancorp or the Bank (as defined in the plan). In general, all employees with two Timberland Bancorp has entered into employment contracts with certain key employees, which provide for contingent payment subject to future events. Because of the nature of its activities, the Company is subject to various pending and threatened legal actions which arise in the ordinary course of business. In the opinion of management, liabilities arising from these claims, if any, will not have a material effect on the future consolidated financial position of the Company.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Numerator – net income	$ 6,296	$ 7,507

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Summary Of Significant Accoun_2

Summary Of Significant Accounting Policies (Policies)	3 Months Ended
	Dec. 31, 2023
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, 2023 (“2023 Form 10-K”).  The unaudited consolidated results of operations for the three months ended December 31, 2023 are not necessarily indicative of the results that may be expected for the entire fiscal year ending September 30, 2024.
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 the 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 December 31, 2023 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 withi n the scope of ASC 606 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 December 31, 2023, the Company recognized $1.02 million in service charges on deposits, $1.26 million in ATM and debit card interchange transaction fees, $19,000 in escrow fees, and $2,000 in fee income from non-deposit investment sales, all considered within the scope of ASC 606. For the three months ended December 31, 2022, the Company recognized $947,000 in service charges on deposits, $1.25 million in ATM and debit card interchange transaction fees, $30,000 in escrow fees, and $30,000 in fee income from non-deposit investment sales. 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)	3 Months Ended
	Dec. 31, 2023
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 December 31, 2023 and September 30, 2023 (dollars in thousands): Amortized Gross Gross Estimated Allowance for Credit Losses ("ACL") December 31, 2023 Held to Maturity U.S. Treasury and U.S. government agency securities $ 169,869 $ — $ (7,468) $ 162,401 $ — Mortgage-backed securities ("MBS"): U.S. government agencies 53,185 3 (2,604) 50,584 — Private label residential 40,662 356 (1,934) 39,084 73 Municipal securities 1,878 — (30) 1,848 — Bank issued trust preferred securities 491 — (47) 444 9 Total held to maturity 266,085 $ 359 $ (12,083) $ 254,361 $ 82 December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Available for Sale MBS: U.S. government agencies $ 41,492 $ — $ (1,046) $ 40,446 Total $ 41,492 $ — $ (1,046) $ 40,446 September 30, 2023 Held to Maturity U.S. treasury and U.S. government agency securities $ 171,626 $ — $ (10,088) $ 161,538 MBS: U.S. government agencies 52,294 — (3,950) 48,344 Private label residential 44,011 295 (2,611) 41,695 Municipal securities 1,787 — (47) 1,740 Bank issues trust preferred securities 500 — (51) 449 Total $ 270,218 $ 295 $ (16,747) $ 253,766 Available for Sale MBS: U.S. government agencies $ 43,132 $ — $ (1,361) $ 41,771 $ 43,132 $ — $ (1,361) $ 41,771
Unrealized Gain (Loss) on Investments	Held to maturity and available for sale investment securities with unrealized losses were as follows as of December 31, 2023 (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 $ 9,614 $ (12) 1 $ 152,786 $ (7,456) 25 $ 162,400 $ (7,468) MBS: U.S. government agencies 18,442 (136) 9 31,972 (2,468) 52 50,414 (2,604) Private label residential — — — 35,585 (1,934) 30 35,585 (1,934) Municipal securities — — — 1,748 (30) 1 1,748 (30) Bank issued trust preferred securities — — — 453 (47) 1 453 (47) Total $ 28,056 $ (148) 10 $ 222,544 $ (11,935) 109 $ 250,600 $ (12,083) Available for sale MBS: U.S. government agencies $ 11,953 $ (134) 4 $ 28,179 $ (912) 26 $ 40,132 $ (1,046) Total $ 11,953 $ (134) 4 $ 28,179 $ (912) 26 $ 40,132 $ (1,046) Held to maturity and available for sale investment securities with unrealized losses were as follows as of September 30, 2023 (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 $ 9,455 $ (129) 1 $ 152,082 $ (9,959) 26 $ 161,537 $ (10,088) MBS: U.S. government agencies 16,432 (549) 13 31,703 (3,401) 51 48,135 (3,950) Private label residential 1,288 (2) 1 38,205 (2,609) 32 39,493 (2,611) Municipal securities — — — 1,740 (47) 1 1,740 (47) Bank issued trust preferred securities — — — 449 (51) 1 449 (51) Total $ 27,175 $ (680) 15 $ 224,179 $ (16,067) 111 $ 251,354 $ (16,747) Available for sale MBS: U.S. government agencies $ 10,635 $ (308) 3 $ 30,809 $ (1,053) 27 $ 41,444 $ (1,361) Total $ 10,635 $ (308) 3 $ 30,809 $ (1,053) 27 $ 41,444 $ (1,361)
Schedule of Contractual Maturities of Debt Securities	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 within one year $ 94,888 $ 93,677 $ 387 $ 385 Due after one year to five years 91,471 85,469 2,568 2,553 Due after five years to ten years 8,932 8,140 5,793 5,758 Due after ten years 70,794 67,075 32,744 31,750 Total $ 266,085 $ 254,361 $ 41,492 $ 40,446
Summary of Credit Loss by Portfolio Segment	The following table sets forth information for the three months ended December 31, 2023 regarding activity in the ACL by portfolio segment (dollars in thousands): Three Months Ended December 31, 2023 Held to Maturity Beginning Allowance Impact of Adopting CECL (ASU 2016-13) Provision for (Recapture of) Credit Losses Ending Allowance MBS: Private label residential $ — $ 82 $ (9) $ 73 Bank issued trust preferred securities — 10 (1) 9 Total $ — $ 92 $ (10) $ 82
Summary of Held to Maturity Investment Securities by Risk	The following table sets forth the Company's held to maturity investment securities at December 31, 2023 by credit quality indicator: Credit Ratings As of December 31, 2023 AAA/AA/A BBB/BB/B Unrated Total Held to Maturity U.S. Treasury and U.S. government agency securities $ 169,869 $ — $ — $ 169,869 Mortgage-backed securities ("MBS"): U.S. government agencies 53,185 — — 53,185 Private label residential 19,324 — 21,338 40,662 Municipal securities 1,778 — 100 1,878 Bank issued trust preferred securities — — 491 491 Total held to maturity $ 244,156 $ — $ 21,929 $ 266,085
Summary of Held-To-Maturity Debt Securities	The following table presents a roll forward of the credit loss component of held to maturity debt securities that have been written down for OTTI with the credit loss component recognized in earnings for the three months ended December 31, 2023 and 2022 (dollars in thousands): Three Months Ended 2023 2022 Beginning balance of credit loss $ 816 $ 836 Subtractions: Net realized loss previously recorded as credit losses (1) (7) Recapture of prior credit loss (4) (3) Ending balance of credit loss $ 811 $ 826

Loans Receivable And Allowanc_2

Loans Receivable And Allowance For Loan Losses (Tables)	3 Months Ended
	Dec. 31, 2023
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 December 31, 2023 and September 30, 2023 (dollars in thousands): December 31, September 30, Amount Percent Amount Percent Mortgage loans: One- to four-family (1) $ 263,122 18.0 % $ 253,227 17.8 % Multi-family 147,321 10.1 127,176 8.9 Commercial 579,038 39.6 568,265 39.8 Construction - custom and owner/builder 134,878 9.2 129,699 9.1 Construction - speculative one- to four-family 17,609 1.2 17,099 1.2 Construction - commercial 36,702 2.5 51,064 3.6 Construction - multi-family 57,019 3.9 57,140 4.0 Construction - land development 18,878 1.3 18,841 1.3 Land 28,697 2.0 26,726 1.9 Total mortgage loans 1,283,264 87.8 1,249,237 87.6 Consumer loans: Home equity and second mortgage 39,403 2.7 38,281 2.7 Other 2,926 0.2 2,772 0.2 Total consumer loans 42,329 2.9 41,053 2.9 Commercial loans: Commercial business 136,942 9.3 135,802 9.5 U.S. Small Business Administration ("SBA") Paycheck Protection Program ("PPP") loans 423 — 466 — Total commercial loans 137,365 9.3 136,268 9.5 Total loans receivable 1,462,958 100.0 % 1,426,558 100.0 % Less: Undisbursed portion of construction loans in process (LIP") 104,683 103,194 Deferred loan origination fees, net 5,337 5,242 ACL 16,655 15,817 Subtotal 126,675 124,253 Loans receivable, net $ 1,336,283 $ 1,302,305 _____________________________ (1) Does not include one- to four-family loans held for sale totaling $1,425 and $400 at December 31, 2023 and September 30, 2023, respectively.
Financing Receivable Gross Charge Offs and Credit Quality Indicators	The following table sets forth the Company's loan portfolio at December 31, 2023 by risk attribute and year of origination as well as current period gross charge-offs (dollars in thousands): The following tables present an analysis of loans by credit quality indicator and portfolio segment at September 30, 2023 (dollars in thousands): Loan Grades September 30, 2023 Pass Watch Special Substandard Total Mortgage loans: One- to four-family $ 252,859 $ — $ — $ 368 $ 253,227 Multi-family 127,176 — — — 127,176 Commercial 551,669 11,143 — 5,453 568,265 Construction – custom and owner/builder 68,181 5,058 — — 73,239 Construction – speculative one- to four-family 9,361 — — — 9,361 Construction – commercial 25,063 967 — — 26,030 Construction – multi-family 45,890 — — — 45,890 Construction – land development 16,129 — — — 16,129 Land 26,226 500 — — 26,726 Consumer loans: Home equity and second mortgage 37,982 34 — 265 38,281 Other 2,716 56 — — 2,772 Commercial business loans 135,502 — — 300 135,802 SBA PPP loans 466 — — — 466 Total $ 1,299,220 $ 17,758 $ — $ 6,386 $ 1,323,364
Schedule of Allowance for Loan Losses	The following tables set forth information for the three months ended December 31, 2023 and 2022 regarding activity in the ACL by portfolio segment (dollars in thousands): Three Months Ended December 31, 2023 Beginning Impact of Adopting CECL (ASU 2016-13) Provision for Charge- Recoveries Ending Mortgage loans: One- to four-family $ 2,417 $ (408) $ 87 $ — $ — $ 2,096 Multi-family 1,156 (120) 164 — — 1,200 Commercial 7,209 (494) 107 — — 6,822 Construction – custom and owner/builder 750 542 (58) — — 1,234 Construction – speculative one- to four-family 148 (16) — — — 132 Construction – commercial 316 176 (62) — — 430 Construction – multi-family 602 204 (71) — — 735 Construction – land development 274 25 (1) — — 298 Land 406 318 33 — — 757 Consumer loans: Home equity and second mortgage 519 (243) 10 — — 286 Other 53 (7) 2 (2) — 46 Commercial business loans 1,967 484 168 — — 2,619 Total $ 15,817 $ 461 $ 379 $ (2) $ — $ 16,655 Three Months Ended December 31, 2022 Beginning Provision for Charge- Recoveries Ending Mortgage loans: One- to four-family $ 1,658 $ 230 $ — $ — $ 1,888 Multi-family 855 16 — — 871 Commercial 6,682 112 — — 6,794 Construction – custom and owner/builder 675 (2) — — 673 Construction – speculative one- to four-family 130 (5) — — 125 Construction – commercial 343 (20) — — 323 Construction – multi-family 447 130 — — 577 Construction – land development 233 (11) — — 222 Land 397 (14) — — 383 Consumer loans: Home equity and second mortgage 440 53 — — 493 Other 42 4 — 1 47 Commercial business loans 1,801 32 — — 1,833 Total $ 13,703 $ 525 $ — $ 1 $ 14,229
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 allowance for loan losses by portfolio segment at September 30, 2023 prior to the adoption of ASU 2016-13 (dollars in thousands): Allowance for Credit Losses Recorded Investment in Loans Individually Collectively Total Individually Collectively Total September 30, 2023 Mortgage loans: One- to four-family $ — $ 2,417 $ 2,417 $ 368 $ 252,859 $ 253,227 Multi-family — 1,156 1,156 — 127,176 $ 127,176 Commercial — 7,209 7,209 2,973 565,292 $ 568,265 Construction – custom and owner/builder — 750 750 — 73,239 $ 73,239 Construction – speculative one- to four-family — 148 148 — 9,361 $ 9,361 Construction – commercial — 316 316 — 26,030 $ 26,030 Construction – multi-family — 602 602 — 45,890 $ 45,890 Construction – land development — 274 274 — 16,129 $ 16,129 Land — 406 406 — 26,726 $ 26,726 Consumer loans: Home equity and second mortgage — 519 519 382 37,899 $ 38,281 Other — 53 53 — 2,772 $ 2,772 Commercial business loans 123 1,844 1,967 286 135,516 135,802 SBA PPP loans — — — — 466 466 Total $ 123 $ 15,694 $ 15,817 $ 4,009 $ 1,319,355 $ 1,323,364
Past Due Status of Loans Receivable	The following tables present an analysis of loans by aging category and portfolio segment at December 31, 2023 and September 30, 2023 (dollars in thousands): 30–59 60-89 Non- Past Due Total Current Total December 31, 2023 Mortgage loans: One- to four-family $ — $ — $ 602 $ — $ 602 $ 262,520 $ 263,122 Multi-family — — — — — 147,321 147,321 Commercial — — 683 — 683 578,355 579,038 Construction – custom and owner/builder — — 150 — 150 69,961 70,111 Construction – speculative one- to four-family — — — — — 9,403 9,403 Construction – commercial — — — — — 22,793 22,793 Construction – multi-family — — — — — 41,465 41,465 Construction – land development — — — — — 16,631 16,631 Land — — — — — 28,697 28,697 Consumer loans: Home equity and second mortgage 66 — 171 — 237 39,166 39,403 Other — — — — — 2,926 2,926 Commercial business loans — 171 1,760 — 1,931 135,011 136,942 SBA PPP loans — — — — — 423 423 Total $ 66 $ 171 $ 3,366 $ — $ 3,603 $ 1,354,672 $ 1,358,275 (1) Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual. 30–59 60-89 Non- Past Due Total Current Total September 30, 2023 Mortgage loans: One- to four-family $ — $ — $ 368 $ — $ 368 $ 252,859 $ 253,227 Multi-family — — — — — 127,176 127,176 Commercial — — 683 — 683 567,582 568,265 Construction – custom and owner/builder 151 — — — 151 73,088 73,239 Construction – speculative one- to four-family — — — — — 9,361 9,361 Construction – commercial — — — — — 26,030 26,030 Construction – multi-family — — — — — 45,890 45,890 Construction – land development — — — — — 16,129 16,129 Land — — — — — 26,726 26,726 Consumer loans: Home equity and second mortgage — — 177 — 177 38,104 38,281 Other — — — — — 2,772 2,772 Commercial business loans — — 286 — 286 135,516 135,802 SBA PPP loans — — — — — 466 466 Total $ 151 $ — $ 1,514 $ — $ 1,665 $ 1,321,699 $ 1,323,364 (1) Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual.
Impaired Loans Receivable	The following table is a summary of the amortized cost of collateral dependent non-accrual loans as of December 31, 2023 (in thousands): Recorded Investment Related ACL Mortgage loans: One- to four-family $ 602 $ — Commercial 683 — Construction - custom & owner/builder 150 — Consumer loans: Home equity & second mortgage 171 — Commercial business loans 1,760 319 Total $ 3,366 $ 319 The following table is a summary of information related to impaired loans by portfolio segment prior to the adoption of CECL as of September 30, 2023 and for the year then ended (dollars in thousands): Recorded Unpaid Principal Balance (Loan Balance Plus Charge Off) Related Year to Date ("YTD") Average Recorded Investment (1) YTD Interest Income Recognized (1) YTD Cash Basis Interest Income Recognized (1) With no related allowance recorded: Mortgage loans: One- to four-family $ 368 $ 412 $ — $ 378 $ 29 $ 29 Commercial 2,973 2,973 — 2,987 167 129 Land — — — 297 5 4 Consumer loans: Home equity and second mortgage 382 382 — 390 12 10 Other — — — 1 — — Commercial business loans 41 90 — 49 — — Subtotal 3,764 3,857 — 4,102 213 172 With an allowance recorded: Commercial business loans 245 245 123 247 — — Subtotal 245 245 123 247 — — Total: Mortgage loans: One- to four-family 368 412 — 378 29 29 Commercial 2,973 2,973 — 2,987 167 129 Land — — — 297 5 4 Consumer loans: Home equity and second mortgage 382 382 — 390 12 10 Other — — — 1 — — Commercial business loans 286 335 123 296 — — Total $ 4,009 $ 4,102 $ 123 $ 4,349 $ 213 $ 172 ______________________________________________ (1) For the year ended September 30, 2023. 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 $ 383 $ 427 $ — $ 386 $ 7 $ 7 Commercial 2,980 2,980 — 2,984 33 42 Land 425 425 — 438 — — Consumer loans: Home equity and second mortgage 405 405 — 400 2 3 Other 2 2 — 3 — — Commercial business loans 55 103 — 57 — — Subtotal 4,250 4,342 — 4,268 42 52 With an allowance recorded: Commercial business loans 249 249 127 249 — — Subtotal 249 249 127 249 — — Total Mortgage loans: One- to four-family 383 427 — 386 7 7 Commercial 2,980 2,980 — 2,984 33 42 Land 425 425 — 438 — — Consumer loans: Home equity and second mortgage 405 405 — 400 2 3 Other 2 2 — 3 — — Commercial business loans 304 352 127 306 — — Total $ 4,499 $ 4,591 $ 127 $ 4,517 $ 42 $ 52 _____________________________________________ (1) For the three months ended December 31, 2022.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Dec. 31, 2023
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 months ended December 31, 2023 and 2022 (dollars in thousands): Three Months Ended December 31, Lease cost: 2023 2022 Operating lease cost $ 93 $ 88 Short-term lease cost — — Total lease cost $ 93 $ 88 The following tables provide supplemental information related to operating leases at or for the three months ended December 31, 2023 and year ended September 30, 2023 (dollars in thousands): At or For the Three Months Ended December 31, 2023 At or For the Year Ended September 30, 2023 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 82 $ 316 Weighted average remaining lease term-operating leases 6.5 years 6.7 years Weighted average discount rate-operating leases 2.34 % 2.33 %
Lessee, Operating Lease, Liability, Maturity	Maturities of operating lease liabilities at December 31, 2023 for future fiscal years are as follows (dollars in thousands): Remainder of 2024 $ 250 2025 336 2026 304 2027 232 2028 219 Thereafter 601 Total lease payments 1,942 Less imputed interest 146 Total $ 1,796

Net Income Per Common Share (Ta

Net Income Per Common Share (Tables)	3 Months Ended
	Dec. 31, 2023
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 months ended December 31, 2023 and 2022 is as follows (dollars in thousands, except per share amounts): Three Months Ended December 31, 2023 2022 Basic net income per common share computation Numerator – net income $ 6,296 $ 7,507 Denominator – weighted average common shares outstanding 8,114,209 8,232,273 Basic net income per common share $ 0.78 $ 0.91 Diluted net income per common share computation Numerator – net income $ 6,296 $ 7,507 Denominator – weighted average common shares outstanding 8,114,209 8,232,273 Effect of dilutive stock options (1) 51,839 86,460 Weighted average common shares outstanding - assuming dilution 8,166,048 8,318,733 Diluted net income per common share $ 0.77 $ 0.90 ____________________________________________ (1) For the three months ended December 31, 2023 and 2022, average options to purchase 214,595 and 182,000 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_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Dec. 31, 2023
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The changes in accumulated other comprehensive income (loss) ("AOCI") by component during the three months ended December 31, 2023 and 2022 are as follows (dollars in thousands): Three Months Ended December 31, 2023 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 $ (1,075) $ (9) $ (1,084) Other comprehensive income 248 9 257 Balance of AOCI at the end of period $ (827) $ — $ (827) Three Months Ended December 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 $ (706) $ (11) $ (717) Other comprehensive income (loss) (19) 1 (18) Balance of AOCI at the end of period $ (725) $ (10) $ (735) __________________________ (1) All amounts are net of income taxes.

Stock Compensation Plans (Table

Stock Compensation Plans (Tables)	3 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Disclosure of Share-based Compensation Arrangements by Share-based Payment Award	Stock option activity for the three months ended December 31, 2023 and 2022 is summarized as follows: Three Months Ended December 31, 2023 Three Months Ended December 31, 2022 Number of Shares Weighted Number of Shares Weighted Options outstanding, beginning of period 369,150 $ 24.00 421,925 $ 23.30 Exercised (27,700) 12.81 (19,815) 20.01 Forfeited (5,380) 25.10 (1,800) 29.68 Options outstanding, end of period 336,070 $ 24.91 400,310 $ 23.43 Time Based Number of Unvested Shares Weighted Average Grant Date Fair Value Outstanding, September 30, 2023 26,150 $ 27.37 Granted — — Forfeited — — Vested — — Outstanding, December 31, 2023 26,150 $ 27.37
Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	There were no stock options granted during the three months ended December 31, 2023 and 2022.
Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range	Additional information regarding options outstanding at December 31, 2023 is as follows: Options Outstanding Options Exercisable Range of Number Weighted Weighted Number Weighted Weighted 10.26 - 10.71 26,250 10.62 1.5 26,250 10.62 1.5 15.67 - 19.13 63,820 16.53 5.6 41,560 16.34 5.0 26.50 - 27.40 102,880 27.31 7.8 42,000 27.23 6.8 28.23 - 29.69 108,400 28.79 6.2 67,900 29.12 5.3 31.80 - 33.40 34,720 31.85 4.9 33,720 31.80 4.8 336,070 $ 24.91 6.1 211,430 $ 24.36 5.0

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Dec. 31, 2023
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 December 31, 2023 and September 30, 2023 were as follows (dollars in thousands): December 31, 2023 Estimated Fair Value Level 1 Level 2 Level 3 Total Available for sale investment securities MBS: U.S. government agencies $ — $ 40,446 $ — $ 40,446 Investments in equity securities Mutual funds 848 — — 848 Total $ 848 $ 40,446 $ — $ 41,294 September 30, 2023 Estimated Fair Value Level 1 Level 2 Level 3 Total Available for sale investment securities MBS: U.S. government agencies $ — $ 41,771 $ — $ 41,771 Investments in equity securities Mutual funds 811 — — 811 Total $ 811 $ 41,771 $ — $ 42,582
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 December 31, 2023 and September 30, 2023 (dollars in thousands): Estimated Fair Value December 31, 2023 Level 1 Level 2 Level 3 Individually evaluated loans: Commercial business loans $ — $ — $ 1,401 Total $ — $ — $ 1,401 Estimated Fair Value September 30, 2023 Level 1 Level 2 Level 3 Impaired loans: Commercial business loans $ — $ — $ 122 Total $ — $ — $ 122
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 December 31, 2023 and September 30, 2023 (dollars in thousands): Valuation Unobservable Input(s) Range Individually evaluated and impaired loans Market approach Appraised value less estimated selling costs N/A
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 December 31, 2023 and September 30, 2023 (dollars in thousands): December 31, 2023 Fair Value Measurements Using: Recorded Estimated Fair Value Financial assets Cash and cash equivalents $ 158,021 $ 158,021 $ 158,021 $ — $ — CDs held for investment 12,449 12,449 12,449 — — Investment securities 306,531 294,807 162,401 132,406 — Investments in equity securities 848 848 848 — — FHLB stock 2,001 2,001 2,001 — — Other investments 3,000 3,000 3,000 — — Loans held for sale 1,425 1,426 1,426 — — Loans receivable, net 1,336,283 1,286,383 — — 1,286,383 Accrued interest receivable 6,731 6,731 6,731 — — Financial liabilities Certificates of deposit 318,907 317,531 — — 317,531 FHLB borrowings 20,000 19,877 — — 19,877 Accrued interest payable 1,683 1,683 1,683 — — September 30, 2023 Fair Value Measurements Using: Recorded Estimated Fair Value Level 1 Level 2 Level 3 Financial assets Cash and cash equivalents $ 128,721 $ 128,721 $ 128,721 $ — $ — CDs held for investment 15,188 15,188 15,188 — — Investment securities 311,989 295,538 161,538 134,000 — Investments in equity securities 811 811 811 — — FHLB stock 3,602 3,602 3,602 — — Other investments 3,000 3,000 3,000 — — Loans held for sale 400 407 407 — — Loans receivable, net 1,302,305 1,246,538 — — 1,246,538 Accrued interest receivable 6,004 6,004 6,004 — — Financial liabilities Certificates of deposit 300,100 297,542 — — 297,542 FHLB borrowings 35,000 34,747 — — 34,747 Accrued interest payable 1,397 1,397 1,397 — —

Commitments and Contingencies (

Commitments and Contingencies (Tables)	3 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Supply Commitment	A summary of the Company's commitments at December 31, 2023 and 2022 are listed below (in thousands): December 31, 2023 December 31, 2022 Undisbursed portion of construction loans in process (see Note 4) $ 104,683 112,096 Undisbursed lines of credit 135,250 133,932 Commitments to extend credit 11,810 14,126 $ 251,743 $ 260,154
Schedule of Allowance for Credit Losses for Unfunded Loan Commitments	The following table sets forth information for the three months ended December 31, 2023 and 2022 regarding activity in the allowance for credit losses for unfunded loan commitments (dollars in thousands): Allowance for Credit Losses December 31, 2023 December 31, 2022 Beginning balance $ 332 $ 305 Impact of adopting CECL (ASU 2016-13) 65 — (Recapture of) provision for credit losses (33) 15 Ending allowance $ 364 $ 320

Summary Of Significant Accoun_3

Summary Of Significant Accounting Policies (Details)	3 Months Ended
	Dec. 31, 2023 segment
Accounting Policies [Abstract]
Number of operating segments	1

Investment Securities_ Marketab

Investment Securities: Marketable Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
Held to Maturity
Amortized Cost	$ 266,085	$ 270,218	[1]
Gross Unrealized Gains	359	295
Gross Unrealized Losses	(12,083)	(16,747)
Estimated Fair Value	254,361	253,766
Allowance for Credit Losses ("ACL")	82	0
Available for Sale
Amortized Cost	41,492	43,132
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(1,046)	(1,361)
Estimated Fair Value	40,446	41,771
U.S. Treasury and U.S. government agency securities
Held to Maturity
Amortized Cost	169,869	171,626
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(7,468)	(10,088)
Estimated Fair Value	162,401	161,538
Allowance for Credit Losses ("ACL")	0
U.S. government agencies
Held to Maturity
Amortized Cost	53,185	52,294
Gross Unrealized Gains	3	0
Gross Unrealized Losses	(2,604)	(3,950)
Estimated Fair Value	50,584	48,344
Allowance for Credit Losses ("ACL")	0
Available for Sale
Amortized Cost	41,492	43,132
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(1,046)	(1,361)
Estimated Fair Value	40,446	41,771
Private label residential
Held to Maturity
Amortized Cost	40,662	44,011
Gross Unrealized Gains	356	295
Gross Unrealized Losses	(1,934)	(2,611)
Estimated Fair Value	39,084	41,695
Allowance for Credit Losses ("ACL")	73	0
Municipal securities
Held to Maturity
Amortized Cost	1,878	1,787
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(30)	(47)
Estimated Fair Value	1,848	1,740
Allowance for Credit Losses ("ACL")	0
Bank issued trust preferred securities
Held to Maturity
Amortized Cost	491	500
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(47)	(51)
Estimated Fair Value	444	449
Allowance for Credit Losses ("ACL")	$ 9	$ 0
[1] Derived from audited consolidated financial statements.

Investment Securities_ Unrealiz

Investment Securities: Unrealized Gain (Loss) on Investments (Details) $ in Thousands	Dec. 31, 2023 USD ($) security	Sep. 30, 2023 USD ($) security
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 28,056	$ 27,175
Held to maturity, 12 Months or Longer, Estimated Fair Value	222,544	224,179
Held to maturity, Total, Estimated Fair Value	250,600	251,354
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	(148)	(680)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(11,935)	(16,067)
Held to maturity, Total, Gross Unrealized Losses	$ (12,083)	$ (16,747)
Held to maturity, Less Than 12 Months, Quantity | security	10	15,000
Held to maturity, 12 Months or Longer, Quantity | security	109	111,000
U.S. Treasury and U.S. government agency securities
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 9,614	$ 9,455
Held to maturity, 12 Months or Longer, Estimated Fair Value	152,786	152,082
Held to maturity, Total, Estimated Fair Value	162,400	161,537
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	(12)	(129)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(7,456)	(9,959)
Held to maturity, Total, Gross Unrealized Losses	$ (7,468)	$ (10,088)
Held to maturity, Less Than 12 Months, Quantity | security	1	1,000
Held to maturity, 12 Months or Longer, Quantity | security	25	26,000
U.S. government agencies
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 18,442	$ 16,432
Held to maturity, 12 Months or Longer, Estimated Fair Value	31,972	31,703
Held to maturity, Total, Estimated Fair Value	50,414	48,135
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	(136)	(549)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(2,468)	(3,401)
Held to maturity, Total, Gross Unrealized Losses	$ (2,604)	$ (3,950)
Held to maturity, Less Than 12 Months, Quantity | security	9	13,000
Held to maturity, 12 Months or Longer, Quantity | security	52	51,000
Available-for-sale Securities, Fair Value:
Available for sale, Less Than 12 Months, Estimated Fair Value	$ 11,953	$ 10,635
Available for sale, 12 Months or Longer, Estimated Fair Value	28,179	30,809
Available for sale, Total, Estimated Fair Value	40,132	41,444
Available-for-sale Securities, Gross Unrealized Losses:
Available for sale, Less Than 12 Months, Gross Unrealized Losses	(134)	(308)
Available for sale, 12 Months or Longer, Gross Unrealized Losses	(912)	(1,053)
Available for sale, Total, Gross Unrealized Losses	$ (1,046)	$ (1,361)
Available-for-sale, Less than 12 Months, Quantity | security	4	3,000
Available-for-sale, 12 Months or Longer, Quantity | security	26	27,000
Private label residential
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 0	$ 1,288
Held to maturity, 12 Months or Longer, Estimated Fair Value	35,585	38,205
Held to maturity, Total, Estimated Fair Value	35,585	39,493
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	0	(2)
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(1,934)	(2,609)
Held to maturity, Total, Gross Unrealized Losses	$ (1,934)	$ (2,611)
Held to maturity, Less Than 12 Months, Quantity | security	0	1,000
Held to maturity, 12 Months or Longer, Quantity | security	30	32,000
Municipal securities
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 0	$ 0
Held to maturity, 12 Months or Longer, Estimated Fair Value	1,748	1,740
Held to maturity, Total, Estimated Fair Value	1,748	1,740
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	0	0
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(30)	(47)
Held to maturity, Total, Gross Unrealized Losses	$ (30)	$ (47)
Held to maturity, Less Than 12 Months, Quantity | security	0	0
Held to maturity, 12 Months or Longer, Quantity | security	1	1,000
Bank issued trust preferred securities
Held-to-maturity Securities, Fair Value:
Held to maturity, Less Than 12 Months, Estimated Fair Value	$ 0	$ 0
Held to maturity, 12 Months or Longer, Estimated Fair Value	453	449
Held to maturity, Total, Estimated Fair Value	453	449
Held-to-maturity Securities, Gross Unrealized Losses
Held to maturity, Less Than 12 Months, Gross Unrealized Losses	0	0
Held to maturity, 12 Months or Longer, Gross Unrealized Losses	(47)	(51)
Held to maturity, Total, Gross Unrealized Losses	$ (47)	$ (51)
Held to maturity, Less Than 12 Months, Quantity | security	0	0
Held to maturity, 12 Months or Longer, Quantity | security	1	1,000

Investment Securities_ Schedule

Investment Securities: Schedule of Contractual maturities of debt securities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
Held-to-maturity Securities, Amortized Cost:
Due within one year	$ 94,888
Due after one year to five years	91,471
Due after five years to ten years	8,932
Due after ten years	70,794
Total	266,085	$ 270,218	[1]
Held-to-maturity Securities, Estimated Fair Value:
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	93,677
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	85,469
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	8,140
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	67,075
Debt Securities, Held-to-Maturity, Fair Value, Total	254,361	253,766
Available-for-sale Securities, Amortized Cost:
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	387
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	2,568
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	5,793
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	32,744
Amortized Cost	41,492	$ 43,132
Available-for-sale Securities, Estimated Fair Value:
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	385
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	2,553
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	5,758
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	31,750
Debt Securities, Available-for-Sale, Maturity, without Single Maturity Date, Fair Value	$ 40,446
[1] Derived from audited consolidated financial statements.

Investment Securities_ Credit L

Investment Securities: Credit Loss by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Beginning Allowance	$ 0
Provision for (Recapture of) Credit Losses	(10)	$ 0
Ending Allowance	82
Impact of Adopting CECL (ASU 2016-13)
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Beginning Allowance	92
Private label residential
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Beginning Allowance	0
Provision for (Recapture of) Credit Losses	(9)
Ending Allowance	73
Private label residential | Impact of Adopting CECL (ASU 2016-13)
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Beginning Allowance	82
Bank issued trust preferred securities
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Beginning Allowance	0
Provision for (Recapture of) Credit Losses	(1)
Ending Allowance	9
Bank issued trust preferred securities | Impact of Adopting CECL (ASU 2016-13)
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Beginning Allowance	$ 10

Investment Securities_ Held-to-

Investment Securities: Held-to-Maturity Investment Securities by Risk (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	$ 266,085
U.S. Treasury and U.S. government agency securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	169,869
U.S. government agencies
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	53,185
Private label residential
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	40,662
Municipal securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	1,878
Bank issued trust preferred securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	491
AAA/AA/A
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	244,156
AAA/AA/A | U.S. Treasury and U.S. government agency securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	169,869
AAA/AA/A | U.S. government agencies
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	53,185
AAA/AA/A | Private label residential
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	19,324
AAA/AA/A | Municipal securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	1,778
AAA/AA/A | Bank issued trust preferred securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
BBB/BB/B
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
BBB/BB/B | U.S. Treasury and U.S. government agency securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
BBB/BB/B | U.S. government agencies
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
BBB/BB/B | Private label residential
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
BBB/BB/B | Municipal securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
BBB/BB/B | Bank issued trust preferred securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
Unrated
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	21,929
Unrated | U.S. Treasury and U.S. government agency securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
Unrated | U.S. government agencies
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	0
Unrated | Private label residential
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	21,338
Unrated | Municipal securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	100
Unrated | Bank issued trust preferred securities
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Line Items]
Total held to maturity	$ 491

Investment Securities_ Other th

Investment Securities: Other than Temporary Impairment, Credit Losses Recognized in Earnings (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Beginning balance of credit loss	$ 816	$ 836
Net realized loss previously recorded as credit losses	(1)	(7)
Recapture of prior credit loss	(4)	(3)
Ending balance of credit loss	$ 811	$ 826

Investment Securities_ Narrativ

Investment Securities: Narrative (Details)	3 Months Ended
	Dec. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security	Sep. 30, 2023 USD ($)
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Marketable security	$ 1,000	$ 7,000
Held-to-maturity securities, realized loss, number of securities | security	13	14
Security owned and pledged as collateral	$ 204,130,000		$ 201,820,000
Allowance for credit losses	82,000		0
Accrued interest on held-to-maturity securites	908,000
Private label residential
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Allowance for credit losses	73,000		$ 0
Held-to-maturity securities in non-accrual status	$ 85,000

Goodwill and CDI - Goodwill (De

Goodwill and CDI - Goodwill (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
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	Dec. 31, 2023	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	$ 1,462,958	$ 1,426,558
Undisbursed portion of construction loans in process (LIP")	104,683	103,194
Deferred loan origination fees, net	5,337	5,242
Allowance for loan losses	16,655	15,817
Less: Loans in process, Deferred fees and Allowance for loan losses	126,675	124,253
Loans receivable, net	$ 1,336,283	$ 1,302,305	[1]
Ratio of loan category to total loans receivable (percent)	100%	100%
Mortgage loans excluded	$ 1,425	$ 400
Total mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 1,283,264	$ 1,249,237
Ratio of loan category to total loans receivable (percent)	87.80%	87.60%
One-to four-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 263,122	$ 253,227
Ratio of loan category to total loans receivable (percent)	18%	17.80%
Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 147,321	$ 127,176
Ratio of loan category to total loans receivable (percent)	10.10%	8.90%
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 579,038	$ 568,265
Ratio of loan category to total loans receivable (percent)	39.60%	39.80%
Construction-custom & owner/builder
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 134,878	$ 129,699
Ratio of loan category to total loans receivable (percent)	9.20%	9.10%
Construction-speculative one-to four-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 17,609	$ 17,099
Ratio of loan category to total loans receivable (percent)	1.20%	1.20%
Construction-commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 36,702	$ 51,064
Ratio of loan category to total loans receivable (percent)	2.50%	3.60%
Construction-multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 57,019	$ 57,140
Ratio of loan category to total loans receivable (percent)	3.90%	4%
Construction-land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 18,878	$ 18,841
Ratio of loan category to total loans receivable (percent)	1.30%	1.30%
Land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans	$ 28,697	$ 26,726
Ratio of loan category to total loans receivable (percent)	2%	1.90%
Total consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Consumer loans	$ 42,329	$ 41,053
Ratio of loan category to total loans receivable (percent)	2.90%	2.90%
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Consumer loans	$ 39,403	$ 38,281
Ratio of loan category to total loans receivable (percent)	2.70%	2.70%
Consumer loans, other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Consumer loans	$ 2,926	$ 2,772
Ratio of loan category to total loans receivable (percent)	0.20%	0.20%
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial business loans	$ 136,942	$ 135,802
Ratio of loan category to total loans receivable (percent)	9.30%	9.50%
SBA PPP
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial business loans	$ 423	$ 466
Ratio of loan category to total loans receivable (percent)	0%	0%
Total Commercial Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial business loans	$ 137,365	$ 136,268
Ratio of loan category to total loans receivable (percent)	9.30%	9.50%
[1] Derived from audited consolidated financial statements.

Loans Receivable And Allowanc_4

Loans Receivable And Allowance For Loan Losses - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Unamortized loan commitment and origination fees and unamortized discounts or premiums	$ 182	$ 192
Adjustment to opening balance	461
Non-accrual loans	1,720
Non-accrual loans, ACL	319
Non-accrual loans with no ACL	$ 1,650
TDR balance			$ 2,580

Loans Receivable And Allowanc_5

Loans Receivable And Allowance For Loan Losses - Gross Charge-Offs (Details) - USD ($)	3 Months Ended
	Dec. 31, 2023	Sep. 30, 2023
Total consumer loans held for investment
Total Loans Receivable	$ 1,358,275,000	$ 1,323,364,000
Current period gross charge-off
Total Loans Receivable	2,000
One-to four-family
Total consumer loans held for investment
Total Loans Receivable	263,122,000	253,227,000
Current period gross charge-off
Total Loans Receivable	0
Multi-family
Total consumer loans held for investment
Total Loans Receivable	147,321,000	127,176,000
Current period gross charge-off
Total Loans Receivable	0
Commercial real estate
Total consumer loans held for investment
Total Loans Receivable	579,038,000	568,265,000
Current period gross charge-off
Total Loans Receivable	0
Construction-custom & owner/builder
Total consumer loans held for investment
Total Loans Receivable	70,111,000	73,239,000
Current period gross charge-off
Total Loans Receivable	0
Construction-speculative one-to four-family
Total consumer loans held for investment
Total Loans Receivable	9,403,000	9,361,000
Current period gross charge-off
Total Loans Receivable	0
Construction-commercial
Total consumer loans held for investment
Total Loans Receivable	22,793,000	26,030,000
Current period gross charge-off
Total Loans Receivable	0
Construction-multi-family
Total consumer loans held for investment
Total Loans Receivable	41,465,000	45,890,000
Current period gross charge-off
Total Loans Receivable	0
Construction-land development
Total consumer loans held for investment
Total Loans Receivable	16,631,000	16,129,000
Current period gross charge-off
Total Loans Receivable	0
Land
Total consumer loans held for investment
Total Loans Receivable	28,697,000	26,726,000
Current period gross charge-off
Total Loans Receivable	0
Home equity
Total consumer loans held for investment
Total Loans Receivable	39,403,000	38,281,000
Current period gross charge-off
Total Loans Receivable	0
Other consumer
Total consumer loans held for investment
Total Loans Receivable	2,926,000	2,772,000
Current period gross charge-off
Total Loans Receivable	2,000
Commercial business
Total consumer loans held for investment
Total Loans Receivable	136,942,000	135,802,000
Current period gross charge-off
Total Loans Receivable	0
SBA PPP
Total consumer loans held for investment
Total Loans Receivable	423,000	$ 466,000
Other consumer
Total consumer loans held for investment
2024	34,706
2023	228,860
2022	365,822
2021	204,949
2020	121,886
Prior	327,778
Revolving Loans	74,274
Total Loans Receivable	1,358,275
Current period gross charge-off
2024	1,000
2023	1,000
2022	0
2021	0
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	2,000
Other consumer | One-to four-family
Total consumer loans held for investment
2024	2,096
2023	33,948
2022	113,696
2021	50,623
2020	19,711
Prior	43,048
Revolving Loans	0
Total Loans Receivable	263,122
Other consumer | Multi-family
Total consumer loans held for investment
2024	12,250
2023	9,541
2022	28,037
2021	32,216
2020	19,196
Prior	45,115
Revolving Loans	966
Total Loans Receivable	147,321
Other consumer | Commercial real estate
Total consumer loans held for investment
2024	5,022
2023	54,235
2022	128,949
2021	95,521
2020	63,137
Prior	226,276
Revolving Loans	5,898
Total Loans Receivable	579,038
Other consumer | Construction-custom & owner/builder
Total consumer loans held for investment
2024	2,618
2023	48,389
2022	13,438
2021	4,776
2020	454
Prior	436
Revolving Loans	0
Total Loans Receivable	70,111
Other consumer | Construction-speculative one-to four-family
Total consumer loans held for investment
2024	567
2023	7,669
2022	644
2021	523
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	9,403
Other consumer | Construction-commercial
Total consumer loans held for investment
2024	0
2023	16,747
2022	4,753
2021	1,293
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	22,793
Other consumer | Construction-multi-family
Total consumer loans held for investment
2024	53
2023	20,186
2022	11,821
2021	1,287
2020	8,118
Prior	0
Revolving Loans	0
Total Loans Receivable	41,465
Other consumer | Construction-land development
Total consumer loans held for investment
2024	0
2023	2,648
2022	13,983
2021	0
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	16,631
Other consumer | Land
Total consumer loans held for investment
2024	3,285
2023	6,694
2022	7,515
2021	5,410
2020	770
Prior	2,939
Revolving Loans	2,084
Total Loans Receivable	28,697
Other consumer | Home equity
Total consumer loans held for investment
2024	1,632
2023	5,406
2022	2,086
2021	323
2020	696
Prior	2,855
Revolving Loans	26,405
Total Loans Receivable	39,403
Other consumer | Other consumer
Total consumer loans held for investment
2024	1,081
2023	568
2022	258
2021	117
2020	20
Prior	779
Revolving Loans	103
Total Loans Receivable	2,926
Current period gross charge-off
2024	1,000
2023	1,000
2022	0
2021	0
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	2,000
Other consumer | Commercial business
Total consumer loans held for investment
2024	6,102
2023	22,829
2022	40,642
2021	12,507
2020	9,714
Prior	6,330
Revolving Loans	38,818
Total Loans Receivable	136,942
Other consumer | SBA PPP
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	353
2020	70
Prior	0
Revolving Loans	0
Total Loans Receivable	423
Other consumer | Pass
Total consumer loans held for investment
2024	34,706
2023	226,418
2022	364,910
2021	201,210
2020	118,321
Prior	312,914
Revolving Loans	73,750
Total Loans Receivable	1,332,229
Other consumer | Pass | One-to four-family
Total consumer loans held for investment
2024	2,096
2023	33,948
2022	113,479
2021	50,623
2020	19,711
Prior	42,663
Revolving Loans	0
Total Loans Receivable	262,520
Other consumer | Pass | Multi-family
Total consumer loans held for investment
2024	12,250
2023	9,541
2022	28,037
2021	32,216
2020	19,196
Prior	45,115
Revolving Loans	966
Total Loans Receivable	147,321
Other consumer | Pass | Commercial real estate
Total consumer loans held for investment
2024	5,022
2023	54,235
2022	128,949
2021	95,521
2020	60,026
Prior	212,856
Revolving Loans	5,898
Total Loans Receivable	562,507
Other consumer | Pass | Construction-custom & owner/builder
Total consumer loans held for investment
2024	2,618
2023	48,389
2022	12,914
2021	1,094
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	65,015
Other consumer | Pass | Construction-speculative one-to four-family
Total consumer loans held for investment
2024	567
2023	7,669
2022	644
2021	523
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	9,403
Other consumer | Pass | Construction-commercial
Total consumer loans held for investment
2024	0
2023	15,780
2022	4,753
2021	1,293
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	21,826
Other consumer | Pass | Construction-multi-family
Total consumer loans held for investment
2024	53
2023	20,186
2022	11,821
2021	1,287
2020	8,118
Prior	0
Revolving Loans	0
Total Loans Receivable	41,465
Other consumer | Pass | Construction-land development
Total consumer loans held for investment
2024	0
2023	2,648
2022	13,983
2021	0
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	16,631
Other consumer | Pass | Land
Total consumer loans held for investment
2024	3,285
2023	6,694
2022	7,515
2021	5,410
2020	770
Prior	2,939
Revolving Loans	1,589
Total Loans Receivable	28,202
Other consumer | Pass | Home equity
Total consumer loans held for investment
2024	1,632
2023	5,406
2022	2,086
2021	323
2020	696
Prior	2,563
Revolving Loans	26,405
Total Loans Receivable	39,111
Other consumer | Pass | Other consumer
Total consumer loans held for investment
2024	1,081
2023	568
2022	258
2021	117
2020	20
Prior	746
Revolving Loans	74
Total Loans Receivable	2,864
Other consumer | Pass | Commercial business
Total consumer loans held for investment
2024	6,102
2023	21,354
2022	40,471
2021	12,450
2020	9,714
Prior	6,032
Revolving Loans	38,818
Total Loans Receivable	134,941
Other consumer | Pass | SBA PPP
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	353
2020	70
Prior	0
Revolving Loans	0
Total Loans Receivable	423
Other consumer | Watch
Total consumer loans held for investment
2024	0
2023	967
2022	695
2021	3,589
2020	3,565
Prior	8,498
Revolving Loans	524
Total Loans Receivable	17,838
Other consumer | Watch | Commercial real estate
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	0
2020	3,111
Prior	7,995
Revolving Loans	0
Total Loans Receivable	11,106
Other consumer | Watch | Construction-custom & owner/builder
Total consumer loans held for investment
2024	0
2023	0
2022	524
2021	3,532
2020	454
Prior	436
Revolving Loans	0
Total Loans Receivable	4,946
Other consumer | Watch | Construction-commercial
Total consumer loans held for investment
2024	0
2023	967
2022	0
2021	0
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	967
Other consumer | Watch | Land
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	0
Revolving Loans	495
Total Loans Receivable	495
Other consumer | Watch | Home equity
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	34
Revolving Loans	0
Total Loans Receivable	34
Other consumer | Watch | Other consumer
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	33
Revolving Loans	29
Total Loans Receivable	62
Other consumer | Watch | Commercial business
Total consumer loans held for investment
2024	0
2023	0
2022	171
2021	57
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	228
Other consumer | Substandard
Total consumer loans held for investment
2024	0
2023	1,475
2022	217
2021	150
2020	0
Prior	6,366
Revolving Loans	0
Total Loans Receivable	8,208
Other consumer | Substandard | One-to four-family
Total consumer loans held for investment
2024	0
2023	0
2022	217
2021	0
2020	0
Prior	385
Revolving Loans	0
Total Loans Receivable	602
Other consumer | Substandard | Commercial real estate
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	5,425
Revolving Loans	0
Total Loans Receivable	5,425
Other consumer | Substandard | Construction-custom & owner/builder
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	150
2020	0
Prior	0
Revolving Loans	0
Total Loans Receivable	150
Other consumer | Substandard | Home equity
Total consumer loans held for investment
2024	0
2023	0
2022	0
2021	0
2020	0
Prior	258
Revolving Loans	0
Total Loans Receivable	258
Other consumer | Substandard | Commercial business
Total consumer loans held for investment
2024	0
2023	1,475
2022	0
2021	0
2020	0
Prior	298
Revolving Loans	0
Total Loans Receivable	$ 1,773

Loans Receivable And Allowanc_6

Loans Receivable And Allowance For Loan Losses: Schedule of Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	$ 15,817	$ 13,703
Provision for (Recapture of) Credit Losses	379	525
Charge- offs	(2)	0
Recoveries	0	1
Allowance for loan losses, Ending Allowance	16,655	14,229
Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	461
One-to four-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	2,417	1,658
Provision for (Recapture of) Credit Losses	87	230
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	2,096	1,888
One-to four-family | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	(408)
Multi-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	1,156	855
Provision for (Recapture of) Credit Losses	164	16
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	1,200	871
Multi-family | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	(120)
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	7,209	6,682
Provision for (Recapture of) Credit Losses	107	112
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	6,822	6,794
Commercial real estate | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	(494)
Construction-custom & owner/builder
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	750	675
Provision for (Recapture of) Credit Losses	(58)	(2)
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	1,234	673
Construction-custom & owner/builder | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	542
Construction-speculative one-to four-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	148	130
Provision for (Recapture of) Credit Losses	0	(5)
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	132	125
Construction-speculative one-to four-family | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	(16)
Construction-commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	316	343
Provision for (Recapture of) Credit Losses	(62)	(20)
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	430	323
Construction-commercial | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	176
Construction-multi-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	602	447
Provision for (Recapture of) Credit Losses	(71)	130
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	735	577
Construction-multi-family | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	204
Construction-land development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	274	233
Provision for (Recapture of) Credit Losses	(1)	(11)
Recoveries	0	0
Allowance for loan losses, Ending Allowance	298	222
Construction-land development | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	25
Land
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	406	397
Provision for (Recapture of) Credit Losses	33	(14)
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	757	383
Land | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	318
Home equity
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	519	440
Provision for (Recapture of) Credit Losses	10	53
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	286	493
Home equity | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	(243)
Consumer loans, other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	53	42
Provision for (Recapture of) Credit Losses	2	4
Charge- offs		0
Recoveries	0	1
Allowance for loan losses, Ending Allowance	46	47
Consumer loans, other | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	(7)
Commercial business
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	1,967	1,801
Provision for (Recapture of) Credit Losses	168	32
Charge- offs		0
Recoveries	0	0
Allowance for loan losses, Ending Allowance	2,619	$ 1,833
Commercial business | Impact of Adopting CECL (ASU 2016-13)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	484
SBA PPP
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan losses, Beginning Allowance	$ 0

Loans Receivable And Allowanc_7

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	Dec. 31, 2023	Sep. 30, 2023	Dec. 31, 2022	Sep. 30, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		$ 123
Allowance for Loan Losses, Collectively Evaluated for Impairment		15,694
Allowance for Loan Losses, Total	$ 16,655	15,817	$ 14,229	$ 13,703
Recorded Investment in Loans, Individually Evaluated for Impairment		4,009
Recorded Investment in Loans, Collectively Evaluated for Impairment		1,319,355
Loans receivable		1,323,364
One-to four-family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		2,417
Allowance for Loan Losses, Total	2,096	2,417	1,888	1,658
Recorded Investment in Loans, Individually Evaluated for Impairment		368
Recorded Investment in Loans, Collectively Evaluated for Impairment		252,859
Loans receivable		253,227
Multi-family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		1,156
Allowance for Loan Losses, Total	1,200	1,156	871	855
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		127,176
Loans receivable		127,176
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		7,209
Allowance for Loan Losses, Total	6,822	7,209	6,794	6,682
Recorded Investment in Loans, Individually Evaluated for Impairment		2,973
Recorded Investment in Loans, Collectively Evaluated for Impairment		565,292
Loans receivable		568,265
Construction-custom & owner/builder
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		750
Allowance for Loan Losses, Total	1,234	750	673	675
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		73,239
Loans receivable		73,239
Construction-speculative one-to four-family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		148
Allowance for Loan Losses, Total	132	148	125	130
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		9,361
Loans receivable		9,361
Construction-commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		316
Allowance for Loan Losses, Total	430	316	323	343
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		26,030
Loans receivable		26,030
Construction-multi-family
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		602
Allowance for Loan Losses, Total	735	602	577	447
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		45,890
Loans receivable		45,890
Construction-land development
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		274
Allowance for Loan Losses, Total	298	274	222	233
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		16,129
Loans receivable		16,129
Land
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		406
Allowance for Loan Losses, Total	757	406	383	397
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		26,726
Loans receivable		26,726
Home equity
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		519
Allowance for Loan Losses, Total	286	519	493	440
Recorded Investment in Loans, Individually Evaluated for Impairment		382
Recorded Investment in Loans, Collectively Evaluated for Impairment		37,899
Loans receivable		38,281
Consumer loans, other
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		53
Allowance for Loan Losses, Total	46	53	47	42
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		2,772
Loans receivable		2,772
Commercial business
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		123
Allowance for Loan Losses, Collectively Evaluated for Impairment		1,844
Allowance for Loan Losses, Total	$ 2,619	1,967	$ 1,833	$ 1,801
Recorded Investment in Loans, Individually Evaluated for Impairment		286
Recorded Investment in Loans, Collectively Evaluated for Impairment		135,516
Loans receivable		135,802
SBA PPP
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment		0
Allowance for Loan Losses, Collectively Evaluated for Impairment		0
Allowance for Loan Losses, Total		0
Recorded Investment in Loans, Individually Evaluated for Impairment		0
Recorded Investment in Loans, Collectively Evaluated for Impairment		466
Loans receivable		$ 466

Loans Receivable And Allowanc_8

Loans Receivable And Allowance For Loan Losses: Past Due Status of Loans (Details) - USD ($) $ in Thousands		Dec. 31, 2023		Sep. 30, 2023
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		$ 1,358,275		$ 1,323,364
Loans receivable, Non-Accrual	[1]	3,366		1,514
One-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		263,122		253,227
Loans receivable, Non-Accrual	[1]	602		368
Multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		147,321		127,176
Loans receivable, Non-Accrual	[1]	0		0
Commercial real estate
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		579,038		568,265
Loans receivable, Non-Accrual	[1]	683		683
Construction-custom & owner/builder
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		70,111		73,239
Loans receivable, Non-Accrual	[1]	150		0
Construction-speculative one-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		9,403		9,361
Loans receivable, Non-Accrual	[1]	0		0
Construction-commercial
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		22,793		26,030
Loans receivable, Non-Accrual	[1]	0		0
Construction-multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		41,465		45,890
Loans receivable, Non-Accrual	[1]	0		0
Construction-land development
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		16,631		16,129
Loans receivable, Non-Accrual	[1]	0		0
Land
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		28,697		26,726
Loans receivable, Non-Accrual	[1]	0		0
Home equity
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		39,403		38,281
Loans receivable, Non-Accrual	[1]	171		177
Consumer loans, other
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		2,926		2,772
Loans receivable, Non-Accrual	[1]	0		0
Commercial business
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		136,942		135,802
Loans receivable, Non-Accrual		1,760	[1]	286
SBA PPP
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		423		466
Loans receivable, Non-Accrual		0		0	[1]
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		66		151
30 to 59 Days Past Due | One-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Commercial real estate
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Construction-custom & owner/builder
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		151
30 to 59 Days Past Due | Construction-speculative one-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Construction-commercial
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Construction-multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Construction-land development
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Land
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Home equity
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		66		0
30 to 59 Days Past Due | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | Commercial business
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
30 to 59 Days Past Due | SBA PPP
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		171		0
60 to 89 Days Past Due | One-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Commercial real estate
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Construction-custom & owner/builder
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Construction-speculative one-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Construction-commercial
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Construction-multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Construction-land development
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Land
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Home equity
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
60 to 89 Days Past Due | Commercial business
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		171		0
60 to 89 Days Past Due | SBA PPP
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		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 | 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 | 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 | Commercial real estate
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 | Construction-custom & 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 | 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 | 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 | 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 | 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 | 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 | Home equity
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
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 | SBA PPP
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]
Total Loans Receivable		3,603		1,665
Financial Asset, Past Due | One-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		602		368
Financial Asset, Past Due | Multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
Financial Asset, Past Due | Commercial real estate
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		683		683
Financial Asset, Past Due | Construction-custom & owner/builder
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		150		151
Financial Asset, Past Due | Construction-speculative one-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
Financial Asset, Past Due | Construction-commercial
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
Financial Asset, Past Due | Construction-multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
Financial Asset, Past Due | Construction-land development
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
Financial Asset, Past Due | Land
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
Financial Asset, Past Due | Home equity
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		237		177
Financial Asset, Past Due | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
Financial Asset, Past Due | Commercial business
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		1,931		286
Financial Asset, Past Due | SBA PPP
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		0		0
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		1,354,672		1,321,699
Financial Asset, Not Past Due | One-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		262,520		252,859
Financial Asset, Not Past Due | Multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		147,321		127,176
Financial Asset, Not Past Due | Commercial real estate
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		578,355		567,582
Financial Asset, Not Past Due | Construction-custom & owner/builder
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		69,961		73,088
Financial Asset, Not Past Due | Construction-speculative one-to four-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		9,403		9,361
Financial Asset, Not Past Due | Construction-commercial
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		22,793		26,030
Financial Asset, Not Past Due | Construction-multi-family
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		41,465		45,890
Financial Asset, Not Past Due | Construction-land development
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		16,631		16,129
Financial Asset, Not Past Due | Land
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		28,697		26,726
Financial Asset, Not Past Due | Home equity
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		39,166		38,104
Financial Asset, Not Past Due | Consumer loans, other
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		2,926		2,772
Financial Asset, Not Past Due | Commercial business
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		135,011		135,516
Financial Asset, Not Past Due | SBA PPP
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		$ 423		$ 466
[1]Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual.

Loans Receivable And Allowanc_9

Loans Receivable And Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 1,323,364
One-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	253,227
Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	127,176
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	568,265
Construction-custom & owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	73,239
Construction-speculative one-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	9,361
Construction-commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	26,030
Construction-multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	45,890
Construction-land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	16,129
Land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	26,726
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	38,281
Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	2,772
Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	135,802
SBA PPP
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	466
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	1,299,220
Pass | One-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	252,859
Pass | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	127,176
Pass | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	551,669
Pass | Construction-custom & owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	68,181
Pass | Construction-speculative one-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	9,361
Pass | Construction-commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	25,063
Pass | Construction-multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	45,890
Pass | Construction-land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	16,129
Pass | Land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	26,226
Pass | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	37,982
Pass | Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	2,716
Pass | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	135,502
Pass | SBA PPP
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	466
Watch
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	17,758
Watch | One-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Watch | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Watch | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	11,143
Watch | Construction-custom & owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	5,058
Watch | Construction-speculative one-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Watch | Construction-commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	967
Watch | Construction-multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Watch | Construction-land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Watch | Land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	500
Watch | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	34
Watch | Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	56
Watch | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Watch | SBA PPP
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | One-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Construction-custom & owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Construction-speculative one-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Construction-commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Construction-multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Construction-land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Special Mention | SBA PPP
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	6,386
Substandard | One-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	368
Substandard | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	5,453
Substandard | Construction-custom & owner/builder
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard | Construction-speculative one-to four-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard | Construction-commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard | Construction-multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard | Construction-land development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard | Land
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	265
Substandard | Consumer loans, other
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	0
Substandard | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	300
Substandard | SBA PPP
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 0

Loans Receivable And Allowan_10

Loans Receivable And Allowance For Loan Losses - Amortized Cost of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	$ 4,009	$ 4,499
Related ACL	123	127
Collateral Pledged
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	3,366
Related ACL	319
One-to four-family
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	368	383
Related ACL	0	0
One-to four-family | Collateral Pledged
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	602
Related ACL	0
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	2,973	2,980
Related ACL	0	0
Commercial real estate | Collateral Pledged
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	683
Related ACL	0
Construction-custom & owner/builder | Collateral Pledged
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	150
Related ACL	0
Home equity
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	382	405
Related ACL	0	0
Home equity | Collateral Pledged
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	171
Related ACL	0
Commercial business
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	286	304
Related ACL	123	$ 127
Commercial business | Collateral Pledged
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	1,760
Related ACL	$ 319

Loans Receivable And Allowan_11

Loans Receivable And Allowance For Loan Losses: Impaired Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Recorded Investment
With no related allowance recorded	$ 3,764	$ 4,250
With an allowance recorded	245	249
Total:	4,009	4,499
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	3,857	4,342
With an allowance recorded	245	249
Total:	4,102	4,591
Related ACL	123	127
Average Recorded Investment
With no related allowance recorded	4,102	4,268
With an allowance recorded	247	249
Total	4,349	4,517
Interest Income Recognized
With no related allowance recorded	213	42	[1]
With an allowance recorded	0	0
Total	213	42
Cash Basis Interest Income Recognized
With no related allowance recorded	172	52
With an allowance recorded	0	0
Total	172	52
One-to four-family
Recorded Investment
With no related allowance recorded	368	383
Total:	368	383
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	412	427
Total:	412	427
Related ACL	0	0
Average Recorded Investment
With no related allowance recorded	378	386
Total	378	386
Interest Income Recognized
With no related allowance recorded	29	7	[1]
Total	29	7
Cash Basis Interest Income Recognized
With no related allowance recorded	29	7
Total	29	7
Commercial real estate
Recorded Investment
With no related allowance recorded	2,973	2,980
Total:	2,973	2,980
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	2,973	2,980
Total:	2,973	2,980
Related ACL	0	0
Average Recorded Investment
With no related allowance recorded	2,987	2,984
Total	2,987	2,984
Interest Income Recognized
With no related allowance recorded	167	33	[1]
Total	167	33
Cash Basis Interest Income Recognized
With no related allowance recorded	129	42
Total	129	42
Land
Recorded Investment
With no related allowance recorded	0	425
Total:	0	425
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	0	425
Total:	0	425
Related ACL	0	0
Average Recorded Investment
With no related allowance recorded	297	438
Total	297	438
Interest Income Recognized
With no related allowance recorded	5	0	[1]
Total	5	0
Cash Basis Interest Income Recognized
With no related allowance recorded	4	0
Total	4	0
Home equity
Recorded Investment
With no related allowance recorded	382	405
Total:	382	405
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	382	405
Total:	382	405
Related ACL	0	0
Average Recorded Investment
With no related allowance recorded	390	400
Total	390	400
Interest Income Recognized
With no related allowance recorded	12	2	[1]
Total	12	2
Cash Basis Interest Income Recognized
With no related allowance recorded	10	3
Total	10	3
Consumer loans, other
Recorded Investment
With no related allowance recorded	0	2
Total:	0	2
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	0	2
Total:	0	2
Related ACL	0	0
Average Recorded Investment
With no related allowance recorded	1	3
Total	1	3
Interest Income Recognized
With no related allowance recorded	0	0
Total	0	0
Cash Basis Interest Income Recognized
With no related allowance recorded	0
With an allowance recorded		0
Total	0	0
Commercial business
Recorded Investment
With no related allowance recorded	41	55
With an allowance recorded	245	249
Total:	286	304
Unpaid Principal Balance (Loan Balance Plus Charge Off)
With no related allowance recorded	90	103
With an allowance recorded	245	249
Total:	335	352
Related ACL	123	127
Average Recorded Investment
With no related allowance recorded	49	57
With an allowance recorded	247	249
Total	296	306
Interest Income Recognized
With no related allowance recorded	0	0	[1]
With an allowance recorded	0	0
Total	0	0
Cash Basis Interest Income Recognized
With no related allowance recorded	0	0
With an allowance recorded	0	0
Total	$ 0	$ 0
[1]For the year ended September 30, 2023

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Sep. 30, 2023	Oct. 01, 2019
Lessee, Lease, Description [Line Items]
Operating lease, renewal term	5 years
Operating lease cost	$ 93	$ 88
Short-term lease cost	0	0
Total lease cost	93	$ 88
Operating cash flows from operating leases	$ 82		$ 316
Weighted average remaining lease term-operating leases	6 years 6 months		6 years 8 months 12 days
Weighted average discount rate-operating leases	2.34%		2.33%
Minimum
Lessee, Lease, Description [Line Items]
Remaining lease term				2 years
Maximum
Lessee, Lease, Description [Line Items]
Remaining lease term				8 years

Leases - Schedule Of Lease Matu

Leases - Schedule Of Lease Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
Leases [Abstract]
Remainder of 2024	$ 250
2025	336
2026	304
2027	232
2028	219
Thereafter	601
Total lease payments	1,942
Less imputed interest	146
Operating lease liabilities	$ 1,796	$ 1,867

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
	Dec. 31, 2023	Dec. 31, 2022
Earnings Per Share, Basic [Abstract]
Numerator – net income	$ 6,296	$ 7,507
Denominator – weighted average common shares outstanding (in shares)	8,114,209	8,232,273
Basic net income per common share (in dollars per share)	$ 0.78	$ 0.91
Earnings Per Share, Diluted [Abstract]
Effect of dilutive stock options (in shares)	51,839	86,460
Weighted average common shares and common stock equivalents (in shares)	8,166,048	8,318,733
Diluted net income per common share (in dollars per share)	$ 0.77	$ 0.90
Stock Options
Earnings Per Share, Diluted [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	214,595	182,000

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		3 Months Ended
		Dec. 31, 2023		Dec. 31, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period		$ 233,073	[1]	$ 218,569
Balance at end of period		237,369		223,549
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	[2]	(1,084)		(717)
Other comprehensive income	[2]	257		(18)
Balance at end of period	[2]	(827)		(735)
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]	(1,075)		(706)
Other comprehensive income	[2]	248		(19)
Balance at end of period	[2]	(827)		(725)
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]	(9)		(11)
Other comprehensive income	[2]	9		1
Balance at end of period	[2]	$ 0		$ (10)
[1] Derived from audited consolidated financial statements.

Stock Compensation Plans (Detai

Stock Compensation Plans (Details) - USD ($)	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Sep. 30, 2023	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	$ 469,000	$ 244,000
Number of unvested stock options (shares)	124,640	191,710
Unvested stock options, aggregate grant date fair value	$ 725,000	$ 1,080,000
Unvested stock options, aggregate intrinsic value	704,000
Stock options vested during period, aggregate grant date fair value	$ 326	$ 652
Stock options vested during period (shares)	100	200
Stock options, outstanding, aggregate intrinsic value	$ 2,220,000	$ 4,280,000
Unrecognized compensation expense, non-vested options	$ 711,000
Unrecognized compensation expense, non-vested options, amortization period (in years)	2 years 7 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%
Award vesting period (years)	5 years
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Contractual term	10 years
Unrecognized compensation expense, non-vested options, amortization period (in years)	2 years 9 months 10 days
Number of unvested shares	26,150	0	26,150
Cost not yet recognized	$ 676,000
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)	7,816
Equity Incentive Plan 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	178,650			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	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Shares:
Options outstanding, beginning of period (shares)	369,150	421,925
Exercised (shares)	(27,700)	(19,815)
Forfeited (shares)	(5,380)	(1,800)
Options outstanding, end of period (shares)	336,070	400,310
Weighted Average Exercise Price (in dollars per share):
Options outstanding, beginning of period (dollars per share)	$ 24	$ 23.30
Exercised (dollars per share)	12.81	20.01
Forfeited (dollars per share)	25.10	29.68
Options outstanding, end of period (dollars per share)	$ 24.91	$ 23.43

Stock Compensation Plans_ Stock

Stock Compensation Plans: Stock Options by Exercise Price (Details) - Stock Options shares in Thousands	3 Months Ended
	Dec. 31, 2023 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding, Number (shares) | shares	336,070
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 24.91
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	6 years 1 month 6 days
Options Exercisable, Number (shares) | shares	211,430
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 24.36
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	5 years
$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	26,250
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 10.62
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	1 year 6 months
Options Exercisable, Number (shares) | shares	26,250
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 10.62
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	1 year 6 months
$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	63,820
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 16.53
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	5 years 7 months 6 days
Options Exercisable, Number (shares) | shares	41,560
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 16.34
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	5 years
$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)	$ 27.4
Options Outstanding, Number (shares) | shares	102,880
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 27.31
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	7 years 9 months 18 days
Options Exercisable, Number (shares) | shares	42,000
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 27.23
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	6 years 9 months 18 days
$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	108,400
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 28.79
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	6 years 2 months 12 days
Options Exercisable, Number (shares) | shares	67,900
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 29.12
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	5 years 3 months 18 days
$31.80
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price, minimum (dollars per share)	$ 31.8
Weighted Average Exercise Price, maximum (dollars per share)	$ 33.4
Options Outstanding, Number (shares) | shares	34,720
Options Outstanding, Weighed Average Exercise Price (dollars per share)	$ 31.85
Options Outstanding, Weighted Average Remaining Contractual Life (Years)	4 years 10 months 24 days
Options Exercisable, Number (shares) | shares	33,720
Options Exercisable, Weighted Average Exercise Price (dollars per share)	$ 31.80
Options Exercisable, Weighted Average Remaining Contractual Life (Years)	4 years 9 months 18 days

Stock Compensation Plans_ Activ

Stock Compensation Plans: Activity Related to Restricted Stock (Details) - Restricted Stock	3 Months Ended
	Dec. 31, 2023 $ / shares shares
Number of Unvested Shares
Outstanding, period start (in shares) | shares	26,150
Granted (in shares) | shares	0
Forfeited (in shares) | shares	0
Shares vested (in shares) | shares	0
Outstanding, period end (in shares) | shares	26,150
Weighted Average Grant Date Fair Value
Outstanding, period start (in dollars per share) | $ / shares	$ 27.37
Granted (in dollars per share) | $ / shares	0
Forfeited (in dollars per share) | $ / shares	0
Vested (in dollars per share) | $ / shares	0
Outstanding, period end (in dollars per share) | $ / shares	$ 27.37

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	Dec. 31, 2023	Sep. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	$ 40,446	$ 41,771
MBS: U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	40,446	41,771
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	41,294	42,582
Recurring | MBS: U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	40,446	41,771
Recurring | Mutual funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	848	811
Recurring | Fair Value, Inputs, Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	848	811
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	848	811
Recurring | Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated Fair Value	40,446	41,771
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	40,446	41,771
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
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	Dec. 31, 2023	Sep. 30, 2023
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 | Commercial business
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	0	0
Fair Value, Inputs, Level 2 | Commercial business
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	1,401	122
Fair Value, Inputs, Level 3 | Commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, estimated fair value, nonrecurring	$ 1,401	$ 122

Fair Value Measurements_ Fair V

Fair Value Measurements: Fair Value Measurements, Nonrecurring, Valuation Techniques (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
Nonrecurring | Fair Value, Inputs, Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, estimated fair value, nonrecurring	$ 1,401	$ 122

Fair Value Measurements_ Schedu

Fair Value Measurements: Schedule of estimated fair values of financial instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments in equity securities, at fair value	$ 848	$ 811
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	158,021	128,721
CDs held for investment	12,449	15,188
Investment securities	306,531	311,989
Investments in equity securities, at fair value	848	811
FHLB stock	2,001	3,602
Other investments, at cost	3,000	3,000
Loans held for sale	1,425	400
Loans receivable, net	1,336,283	1,302,305
Accrued interest receivable	6,731	6,004
Certificates of deposit	318,907	300,100
FHLB borrowings	20,000	35,000
Accrued interest payable	1,683	1,397
Fair Value
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	158,021	128,721
CDs held for investment	12,449	15,188
Investment securities	294,807	295,538
Investments in equity securities, at fair value	848	811
FHLB stock	2,001	3,602
Other investments, at cost	3,000	3,000
Loans held for sale	1,426	407
Loans receivable, net	1,286,383	1,246,538
Accrued interest receivable	6,731	6,004
Certificates of deposit	317,531	297,542
FHLB borrowings	19,877	34,747
Accrued interest payable	1,683	1,397
Fair Value | Fair Value, Inputs, Level 1
Fair value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	158,021	128,721
CDs held for investment	12,449	15,188
Investment securities	162,401	161,538
Investments in equity securities, at fair value	848	811
FHLB stock	2,001	3,602
Other investments, at cost	3,000	3,000
Loans held for sale	1,426	407
Loans receivable, net	0	0
Accrued interest receivable	6,731	6,004
Certificates of deposit	0	0
FHLB borrowings	0	0
Accrued interest payable	1,683	1,397
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	132,406	134,000
Investments in equity securities, at fair value	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
FHLB borrowings	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, at fair value	0	0
FHLB stock	0	0
Other investments, at cost	0	0
Loans held for sale	0	0
Loans receivable, net	1,286,383	1,246,538
Accrued interest receivable	0	0
Certificates of deposit	317,531	297,542
FHLB borrowings	19,877	34,747
Accrued interest payable	$ 0	$ 0
[1] Derived from audited consolidated financial statements.

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Sep. 30, 2023
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Adjustment to retained earnings, net of deferred tax; - adoption of ASU 2016-13	$ 488	$ 0
Adjustment to opening balance	461
Allowance for Credit Losses ("ACL")	82		$ 0
Allowance for credit losses for unfunded loan commitments	364		332
Financing Receivable, Allowance for Credit Loss, Writeoff	$ 2	$ 0
Impact of Adopting CECL (ASU 2016-13)
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Allowance for Credit Losses ("ACL")			92
Allowance for credit losses for unfunded loan commitments			$ 65

Revenue from Contract with Cust

Revenue from Contract with Customer (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Deposit Account
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	$ 1,023	$ 947
Credit and Debit Card
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	1,264	1,251
Asset Management
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	19	30
Investment Advice
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	$ 2	$ 30

Commitments and Contingencies_

Commitments and Contingencies: Supply Commitment (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Undisbursed portion of construction loans in process (see Note 4)	$ 104,683	$ 112,096
Undisbursed lines of credit	135,250	133,932
Commitments to extend credit	11,810	14,126
Total commitments	$ 251,743	$ 260,154

Commitment and Contingencies -

Commitment and Contingencies - Schedule of Allowance for Credit Losses for Unfunded Loan Commitments (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Off-Balance-Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	$ 332
Beginning balance		$ 305
(Recapture of) provision for credit losses	(33)	15
Ending allowance	364
Ending allowance		320
Impact of Adopting CECL (ASU 2016-13)
Off-Balance-Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	$ 65
Beginning balance		$ 0

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Sep. 30, 2022
Commitments and Contingencies Disclosure [Abstract]
Reserve for unfunded loan commitments		$ 320	$ 305
Employee severance compensation plan, employee minimum service requirement (in years)	2 years
Employee severance compensation plan, period following effective date of a change in company control (in months)	12 months
Employee severance compensation plan, eligible payment, maximum compensation term (in months)	18 months