TFS Financial (TFSL) 10-Q 6 Feb 20 2020 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Dec. 31, 2019	Feb. 04, 2020
Cover page.
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Dec. 31, 2019
Document Transition Report	false
Entity File Number	001-33390
Entity Registrant Name	TFS FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	52-2054948
Entity Address, Address Line One	7007 Broadway Avenue
Entity Address, City or Town	Cleveland,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	44105
City Area Code	216
Local Phone Number	441-6000
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	TFSL
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		280,129,198
Entity Central Index Key	0001381668
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Amendment Flag	false

Consolidated Statements Of Cond

Consolidated Statements Of Condition (unaudited) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
ASSETS
Cash and due from banks	$ 25,935	$ 31,728
Other interest-earning cash equivalents	255,291	243,415
Cash and cash equivalents	281,226	275,143
Investment securities available for sale (amortized cost $553,039 and $550,605, respectively)	553,997	547,864
Mortgage loans held for sale, at lower of cost or market (none measured at fair value)	9,608	3,666
Loans held for investment, net:
Deferred loan expenses, net	43,785	41,976
Allowance for loan losses	(37,292)	(38,913)
Loans, net	13,467,772	13,195,745
Mortgage loan servicing rights, net	7,142	8,080
Federal Home Loan Bank stock, at cost	101,858	101,858
Real estate owned, net	2,813	2,163
Premises, equipment, and software, net	43,092	61,577
Accrued interest receivable	40,222	40,822
Bank owned life insurance contracts	219,041	217,481
Other assets	79,420	87,957
TOTAL ASSETS	14,806,191	14,542,356
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	9,000,920	8,766,384
Borrowed funds	3,889,649	3,902,981
Borrowers’ advances for insurance and taxes	99,391	103,328
Principal, interest, and related escrow owed on loans serviced	31,503	32,909
Accrued expenses and other liabilities	55,779	40,000
Total liabilities	13,077,242	12,845,602
Commitments and contingent liabilities
Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding	0	0
Common stock, $0.01 par value, 700,000,000 shares authorized; 332,318,750 shares issued; 280,127,221 and 279,962,777 outstanding at December 31, 2019 and September 30, 2019, respectively	3,323	3,323
Paid-in capital	1,736,322	1,734,154
Treasury stock, at cost; 52,191,529 and 52,355,973 shares at December 31, 2019 and September 30, 2019, respectively	(766,492)	(764,589)
Unallocated ESOP shares	(43,334)	(44,417)
Retained earnings—substantially restricted	849,929	837,662
Accumulated other comprehensive income (loss)	(50,799)	(69,379)
Total shareholders’ equity	1,728,949	1,696,754
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	14,806,191	14,542,356
Mortgage loans
Loans held for investment, net:
Loans, gross	13,458,379	13,189,516
Other Loans
Loans held for investment, net:
Loans, gross	$ 2,900	$ 3,166

Consolidated Statements Of Co_2

Consolidated Statements Of Condition (unaudited) (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Available for sale, amortized cost	$ 553,039	$ 550,605
Loans Held-for-sale, Fair Value Disclosure	$ 0	$ 0
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	700,000,000	700,000,000
Common stock, shares issued	332,318,750	332,318,750
Common stock, shares outstanding	280,127,221	279,962,777
Treasury stock, shares	52,191,529	52,355,973

Consolidated Statements Of Inco

Consolidated Statements Of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$ 115,225	$ 112,491
Investment securities available for sale	2,864	3,124
Other interest and dividend earning assets	1,963	2,673
Total interest and dividend income	120,052	118,288
INTEREST EXPENSE:
Deposits	38,316	32,762
Borrowed funds	17,551	17,714
Total interest expense	55,867	50,476
NET INTEREST INCOME	64,185	67,812
PROVISION (CREDIT) FOR LOAN LOSSES	(3,000)	(2,000)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	67,185	69,812
NON-INTEREST INCOME:
Net gain on the sale of loans	2,925	111
Increase in and death benefits from bank owned life insurance contracts	1,561	1,547
Other	5,298	1,242
Total non-interest income	11,930	4,676
NON-INTEREST EXPENSE:
Salaries and employee benefits	25,885	25,364
Marketing services	4,461	4,797
Office property, equipment and software	6,446	6,986
Federal insurance premium and assessments	2,619	2,766
State franchise tax	1,132	1,262
Other expenses	6,777	6,805
Total non-interest expense	47,320	47,980
INCOME BEFORE INCOME TAXES	31,795	26,508
INCOME TAX EXPENSE	6,153	6,175
NET INCOME	$ 25,642	$ 20,333
Earnings per share—basic and diluted	$ 0.09	$ 0.07
Weighted average shares outstanding
Basic	275,578,184	275,376,254
Diluted	277,888,588	277,073,317
Banking
NON-INTEREST INCOME:
Fees and service charges, net of amortization	$ 2,146	$ 1,776

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Net income	$ 25,642	$ 20,333
Other comprehensive income (loss), net of tax:
Net change in unrealized gain (losses) on securities available for sale	2,923	5,097
Net change in cash flow hedges	15,205	(26,822)
Net change in defined benefit plan obligation	452	264
Other comprehensive income (loss)	18,580	(21,461)
Total comprehensive income	$ 44,222	$ (1,128)

Consolidated Statements Of Shar

Consolidated Statements Of Shareholders' Equity (unaudited) - USD ($) $ in Thousands	Total	Common Stock	Paid-In Capital	Treasury Stock	Unallocated Common Stock Held By ESOP	Retained Earnings	Accumulated other comprehensive income (loss)
Balance at Sep. 30, 2018	$ 1,758,404	$ 3,323	$ 1,726,992	$ (754,272)	$ (48,751)	$ 807,890	$ 23,222
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	20,333					20,333
Other comprehensive income (loss), net of tax	(21,461)					0	(21,461)
ESOP shares allocated or committed to be released	1,665		581		1,084
Compensation costs for equity incentive plans	1,081		1,081			0
Purchase of treasury stock	(3,776)			(3,776)
Treasury stock allocated to equity incentive plan	(161)		(745)	584		0
Dividends paid to common shareholders	(12,305)					(12,305)
Balance at Dec. 31, 2018	1,743,780	3,323	1,727,909	(757,464)	(47,667)	815,918	1,761
Balance at Sep. 30, 2019	1,696,754	3,323	1,734,154	(764,589)	(44,417)	837,662	(69,379)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	25,642					25,642
Other comprehensive income (loss), net of tax	18,580					0	18,580
ESOP shares allocated or committed to be released	2,094		1,011		1,083
Compensation costs for equity incentive plans	1,189		1,189			0
Purchase of treasury stock	(359)			(359)
Treasury stock allocated to equity incentive plan	(1,576)		(32)	(1,544)		0
Dividends paid to common shareholders	(13,375)					(13,375)
Balance at Dec. 31, 2019	$ 1,728,949	$ 3,323	$ 1,736,322	$ (766,492)	$ (43,334)	$ 849,929	$ (50,799)

Consolidated Statements Of Sh_2

Consolidated Statements Of Shareholders' Equity (unaudited) Consolidated Statements Of Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Purchase of treasury stock (in shares)	19,500	242,500
Dividends paid to common shareholders (per common share)	$ 0.27	$ 0.25

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows (unaudited) - USD ($) $ in Thousands		3 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income		$ 25,642	$ 20,333
Adjustments to reconcile net income to net cash provided by operating activities:
ESOP and stock-based compensation expense		3,283	2,746
Depreciation and amortization		7,794	5,406
Deferred income taxes		(64)	434
Provision (credit) for loan losses		(3,000)	(2,000)
Net gain on the sale of loans		(2,925)	(111)
Net gain on sale of commercial property		4,257	0
Other net losses		(13)	(293)
Proceeds from sales of loans held for sale		9,753	7,068
Loans originated for sale		(15,606)	(7,287)
Increase in bank owned life insurance contracts		(1,577)	(1,551)
Net (increase) decrease in interest receivable and other assets		(5,705)	6,097
Net increase in accrued expenses and other liabilities		16,066	3,582
Net cash provided by operating activities		29,391	34,424
CASH FLOWS FROM INVESTING ACTIVITIES:
Loans originated		(1,055,571)	(647,400)
Principal repayments on loans		583,081	583,980
Proceeds from principal repayments and maturities of:
Securities available for sale		52,574	31,998
Proceeds from sale of:
Loans		200,923	13,393
Real estate owned		635	1,423
Premises, Equipment and Other Assets		23,512	0
Purchases of:
FHLB stock		0	0
Securities available for sale		(56,377)	(59,052)
Premises and equipment		(537)	(917)
Other		16	(310)
Net cash used in investing activities		(251,744)	(76,885)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits		234,536	105,596
Net decrease in borrowers’ advances for insurance and taxes		(3,937)	(6,554)
Net decrease in principal and interest owed on loans serviced		(1,406)	(913)
Net increase(decrease) in short-term borrowed funds		(51,093)	110,031
Proceeds from long-term borrowed funds		150,000	0
Repayment of long-term borrowed funds		(112,239)	(97,401)
Cash collateral received from (provided to) derivative counterparties	[1]	27,921	(35,319)
Purchase of treasury shares		(395)	(3,669)
Acquisition of treasury shares through net settlement of stock benefit plans compensation		(1,576)	(161)
Dividends paid to common shareholders		(13,375)	(12,305)
Net cash provided by financing activities		228,436	59,305
NET INCREASE IN CASH AND CASH EQUIVALENTS		6,083	16,844
CASH AND CASH EQUIVALENTS—Beginning of period		275,143	269,775
CASH AND CASH EQUIVALENTS—End of period		281,226	286,619
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for income taxes		21	42
SUPPLEMENTAL SCHEDULES OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Transfer of loans to real estate owned		1,277	1,295
Transfer of loans from held for investment to held for sale		198,694	13,382
Treasury stock issued for stock benefit plans		32	746
Deposits
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest		37,729	32,368
Borrowed funds
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest		$ 19,485	$ 16,450
[1]	For the three months ended December 31, 2018, $35,319 of cash collateral and settlement payments received from derivative counterparties were reclassified from Operating to Financing Activities to conform to ASC 230-10-45-27, which allows cash flows from derivative instruments to be classified in the same category as items hedged.

Basis Of Presentation

Basis Of Presentation	3 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Basis Of Presentation	BASIS OF PRESENTATION TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering, and, to a much lesser extent, other financial services. As of December 31, 2019 , approximately 81% of the Company’s outstanding shares were owned by a federally chartered mutual holding company, Third Federal Savings and Loan Association of Cleveland, MHC. The thrift subsidiary of TFS Financial Corporation is Third Federal Savings and Loan Association of Cleveland. Third Capital, Inc., an operating subsidiary of the Company, was formed to hold non-thrift investments and subsidiaries, which includes a partial ownership of a limited liability company that acquires and manages commercial real estate. On October 31, 2019, the limited liability company sold the remaining two commercial office buildings it owned, which had a net book value of $19,324 at September 30, 2019 included in premises, equipment and software, net and other assets. A $4,257 net gain on the sale of those properties was recorded for the quarter ended December 31, 2019, representing the Company's share of the gain on sale. Pending the outcome of various sale escrow reserves, which will not be resolved until later this year, the Company may record additional residual income in 2020. The accounting and reporting policies followed by the Company conform in all material respects to U.S. GAAP and to general practices in the financial services industry. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for loan losses, the valuation of deferred tax assets, and the determination of pension obligations are particularly subject to change. The unaudited interim consolidated financial statements reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial condition of the Company at December 31, 2019 , and its results of operations and cash flows for the periods presented. Such adjustments are the only adjustments reflected in the unaudited interim financial statements. In accordance with SEC Regulation S-X for interim financial information, these statements do not include certain information and footnote disclosures required for complete audited financial statements. The Company’s Annual Report on Form 10-K for the fiscal year ended September 30, 2019 contains audited consolidated financial statements and related notes, which should be read in conjunction with the accompanying interim consolidated financial statements. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for the fiscal year ending September 30, 2020 or for any other period.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Earnings Per Share	EARNINGS PER SHARE Basic earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. For purposes of computing basic earnings per share, outstanding shares include shares held by the public, shares held by the ESOP that have been allocated to participants or committed to be released for allocation to participants, and the 227,119,132 shares held by Third Federal Savings, MHC. For purposes of computing dilutive earnings per share, stock options and restricted and performance stock units with a dilutive impact are added to the outstanding shares used in the basic earnings per share calculation. Unvested shares awarded pursuant to the Company's restricted stock plans are treated as participating securities in the computation of EPS pursuant to the two-class method as they contain nonforfeitable rights to dividends. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Performance stock units, determined to be contingently issuable and not participating securities, are excluded from the calculation of basic EPS. At December 31, 2019 and 2018, respectively, the ESOP held 4,333,396 and 4,766,736 shares, respectively, that were neither allocated to participants nor committed to be released to participants. The following is a summary of the Company's earnings per share calculations. For the Three Months Ended December 31, 2019 2018 Income Shares Per share amount Income Shares Per share amount (Dollars in thousands, except per share data) Net income $ 25,642 $ 20,333 Less: income allocated to restricted stock units 417 372 Basic earnings per share: Income available to common shareholders $ 25,225 275,578,184 $ 0.09 $ 19,961 275,376,254 $ 0.07 Diluted earnings per share: Effect of dilutive potential common shares 2,310,404 1,697,063 Income available to common shareholders $ 25,225 277,888,588 $ 0.09 $ 19,961 277,073,317 $ 0.07 The following is a summary of outstanding stock options and restricted and performance stock units that are excluded from the computation of diluted earnings per share because their inclusion would be anti-dilutive. For the Three Months Ended December 31, 2019 2018 Options to purchase shares 293,200 1,885,600 Restricted and performance stock units 136,945 131,500

Investment Securities

Investment Securities	3 Months Ended
	Dec. 31, 2019
Investments [Abstract]
Investment Securities	INVESTMENT SECURITIES Investments available for sale are summarized as follows: December 31, 2019 Amortized Cost Gross Unrealized Fair Value Gains Losses REMICs $ 546,612 $ 2,342 $ (1,612 ) $ 547,342 Fannie Mae certificates 6,427 228 — 6,655 Total $ 553,039 $ 2,570 $ (1,612 ) $ 553,997 September 30, 2019 Amortized Gross Fair Gains Losses REMICs $ 544,042 $ 1,384 $ (4,384 ) $ 541,042 Fannie Mae certificates 6,563 259 — 6,822 Total $ 550,605 $ 1,643 $ (4,384 ) $ 547,864 Gross unrealized losses on available for sale securities and the estimated fair value of the related securities, aggregated by the length of time the securities have been in a continuous loss position, at December 31, 2019 and September 30, 2019 , were as follows: December 31, 2019 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 65,097 $ 240 $ 210,075 $ 1,372 $ 275,172 $ 1,612 September 30, 2019 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 95,751 $ 488 $ 292,643 $ 3,896 $ 388,394 $ 4,384 We believe the unrealized losses on investment securities were attributable to interest rate increases. The contractual terms of U.S. government and agency obligations do not permit the issuer to settle the security at a price less than the par value of the investment. The contractual cash flows of mortgage-backed securities are guaranteed by Fannie Mae, Freddie Mac and Ginnie Mae. REMICs are issued by or backed by securities issued by these governmental agencies. It is expected that the securities would not be settled at a price substantially less than the amortized cost of the investment. The U.S. Treasury Department established financing agreements in 2008 to ensure Fannie Mae and Freddie Mac meet their obligations to holders of mortgage-backed securities that they have issued or guaranteed.

Loans And Allowance For Loan Lo

Loans And Allowance For Loan Losses	3 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Loans And Allowance For Loan Losses	LOANS AND ALLOWANCE FOR LOAN LOSSES Loans held for investment consist of the following: December 31, September 30, Real estate loans: Residential Core $ 11,131,888 $ 10,903,024 Residential Home Today 82,679 84,942 Home equity loans and lines of credit 2,221,380 2,174,961 Construction 51,404 52,332 Real estate loans 13,487,351 13,215,259 Other loans 2,900 3,166 Add (deduct): Deferred loan expenses, net 43,785 41,976 Loans in process ("LIP") (28,972 ) (25,743 ) Allowance for loan losses (37,292 ) (38,913 ) Loans held for investment, net $ 13,467,772 $ 13,195,745 At December 31, 2019 and September 30, 2019 , respectively, $9,608 and $3,666 of loans were classified as mortgage loans held for sale. A large concentration of the Company’s lending is in Ohio and Florida. As of December 31, 2019 and September 30, 2019 , the percentage of aggregate Residential Core, Home Today and Construction loans held in Ohio was 57% as of both dates and the percentage held in Florida was 16% as of both dates. As of December 31, 2019 and September 30, 2019 , home equity loans and lines of credit were concentrated in Ohio ( 30% and 31% ), Florida ( 19% as of both dates), and California ( 16% as of both dates). Home Today was an affordable housing program targeted to benefit low- and moderate-income home buyers and most loans under the program were originated prior to 2009. No new loans were originated under the Home Today program after September 30, 2016. Through this program the Company provided the majority of loans to borrowers who would not otherwise qualify for the Company’s loan products, generally because of low credit scores. Because the Company applied less stringent underwriting and credit standards to the majority of Home Today loans, loans originated under the program have greater credit risk than its traditional residential real estate mortgage loans in the Residential Core portfolio. Since loans are no longer originated under the Home Today program, the Home Today portfolio will continue to decline in balance, primarily due to contractual amortization. To supplant the Home Today product and to continue to meet the credit needs of customers and the communities served, since fiscal 2016 the Company has offered Fannie Mae eligible, Home Ready loans. These loans are originated in accordance with Fannie Mae's underwriting standards. While the Company retains the servicing to these loans, the loans, along with the credit risk associated therewith, are securitized/sold to Fannie Mae. The Company does not offer, and has not offered, loan products frequently considered to be designed to target sub-prime borrowers containing features such as higher fees or higher rates, negative amortization, a LTV ratio greater than 100%, or pay-option adjustable-rate mortgages. The Company currently offers home equity lines of credit that include monthly principal and interest payments throughout the entire term. Home equity lines of credit originated prior to June 2010 require interest only payments for ten years, with an option to extend the interest only and draw period another ten years. Once the draw period has expired they are included in the home equity loan balance. The recorded investment in interest only loans comprised solely of equity lines of credit with balances of $3,954 and $8,231 at December 31, 2019 and September 30, 2019 , respectively. An aging analysis of the recorded investment in loan receivables that are past due at December 31, 2019 and September 30, 2019 is summarized in the following tables. When a loan is more than one month past due on its scheduled payments, the loan is considered 30 days or more past due. Balances are adjusted for deferred loan fees, expenses and any applicable loans-in-process. 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total December 31, 2019 Real estate loans: Residential Core $ 6,870 $ 2,938 $ 8,054 $ 17,862 $ 11,130,929 $ 11,148,791 Residential Home Today 2,842 1,272 3,196 7,310 75,030 82,340 Home equity loans and lines of credit 2,422 1,234 5,176 8,832 2,239,799 2,248,631 Construction — — — — 22,402 22,402 Total real estate loans 12,134 5,444 16,426 34,004 13,468,160 13,502,164 Other loans — — — — 2,900 2,900 Total $ 12,134 $ 5,444 $ 16,426 $ 34,004 $ 13,471,060 $ 13,505,064 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total September 30, 2019 Real estate loans: Residential Core $ 6,824 $ 4,030 $ 7,674 $ 18,528 $ 10,900,173 $ 10,918,701 Residential Home Today 2,629 1,685 2,623 6,937 77,677 84,614 Home equity loans and lines of credit 3,029 1,158 5,797 9,984 2,191,998 2,201,982 Construction — — — — 26,195 26,195 Total real estate loans 12,482 6,873 16,094 35,449 13,196,043 13,231,492 Other loans — — — — 3,166 3,166 Total $ 12,482 $ 6,873 $ 16,094 $ 35,449 $ 13,199,209 $ 13,234,658 At December 31, 2019 and September 30, 2019 , real estate loans include $7,719 and $7,543 , respectively, of loans that were in the process of foreclosure. Loans are placed in non-accrual status when they are contractually 90 days or more past due. The number of days past due is determined by the number of scheduled payments that remain unpaid, assuming a period of 30 days between each scheduled payment. Loans with a partial charge-off are placed in non-accrual and will remain in non-accrual status until, at a minimum, the impairment is recovered. Loans restructured in TDRs that were in non-accrual status prior to the restructurings remain in non-accrual status for a minimum of six months after restructuring. Loans restructured in TDRs with a high debt-to-income ratio at the time of modification are placed in non-accrual status for a minimum of 12 months. Additionally, home equity loans and lines of credit where the customer has a severely delinquent first mortgage loan and loans in Chapter 7 bankruptcy status where all borrowers have filed, and not reaffirmed or been dismissed, are placed in non-accrual status. The recorded investment of loan receivables in non-accrual status is summarized in the following table. Balances are adjusted for deferred loan fees and expenses. December 31, September 30, Real estate loans: Residential Core $ 33,310 $ 37,052 Residential Home Today 11,551 12,442 Home equity loans and lines of credit 15,447 21,771 Total non-accrual loans 60,308 71,265 At December 31, 2019 and September 30, 2019 , respectively, the recorded investment in non-accrual loans includes $43,882 and $55,171 which are performing according to the terms of their agreement, of which $24,059 and $25,895 are loans in Chapter 7 bankruptcy status, primarily where all borrowers have filed, and have not reaffirmed or been dismissed. The change in non-accrual from September 30, 2019 was partially impacted by the length of time TDRs with high debt-to-income ratios are retained in non-accrual status. TDRs with high debt-to-income ratios are placed in non-accrual status until they shown sustained payment performance. Interest on loans in accrual status, including certain loans individually reviewed for impairment, is recognized in interest income as it accrues, on a daily basis. Accrued interest on loans in non-accrual status is reversed by a charge to interest income and income is subsequently recognized only to the extent cash payments are received. Cash payments on loans in non-accrual status are applied to the oldest scheduled, unpaid payment first. Cash payments on loans with a partial charge-off are applied fully to principal, then to recovery of the charged off amount prior to interest income being recognized, except cash payments may be applied to interest capitalized in a restructuring when collection of remaining amounts due is considered probable. A non-accrual loan is generally returned to accrual status when contractual payments are less than 90 days past due. However, a loan may remain in non-accrual status when collectability is uncertain, such as a TDR that has not met minimum payment requirements, a loan with a partial charge-off, an equity loan or line of credit with a delinquent first mortgage greater than 90 days past due, or a loan in Chapter 7 bankruptcy status where all borrowers have filed, and have not reaffirmed or been dismissed. The recorded investment in loan receivables at December 31, 2019 and September 30, 2019 is summarized in the following table. The table provides details of the recorded balances according to the method of evaluation used for determining the allowance for loan losses, distinguishing between determinations made by evaluating individual loans and determinations made by evaluating groups of loans not individually evaluated. Balances of recorded investments are adjusted for deferred loan fees, expenses and any applicable loans-in-process. December 31, 2019 September 30, 2019 Individually Collectively Total Individually Collectively Total Real estate loans: Residential Core $ 82,191 $ 11,066,600 $ 11,148,791 $ 87,069 $ 10,831,632 $ 10,918,701 Residential Home Today 36,390 45,950 82,340 36,959 47,655 84,614 Home equity loans and lines of credit 44,668 2,203,963 2,248,631 46,445 2,155,537 2,201,982 Construction — 22,402 22,402 — 26,195 26,195 Total real estate loans 163,249 13,338,915 13,502,164 170,473 13,061,019 13,231,492 Other loans — 2,900 2,900 — 3,166 3,166 Total $ 163,249 $ 13,341,815 $ 13,505,064 $ 170,473 $ 13,064,185 $ 13,234,658 An analysis of the allowance for loan losses at December 31, 2019 and September 30, 2019 is summarized in the following table. The analysis provides details of the allowance for loan losses according to the method of evaluation, distinguishing between allowances for loan losses determined by evaluating individual loans and allowances for loan losses determined by evaluating groups of loans collectively. December 31, 2019 September 30, 2019 Individually Collectively Total Individually Collectively Total Real estate loans: Residential Core $ 7,038 $ 11,274 $ 18,312 $ 7,080 $ 12,673 $ 19,753 Residential Home Today 2,447 1,785 4,232 2,422 1,787 4,209 Home equity loans and lines of credit 3,953 10,791 14,744 4,003 10,943 14,946 Construction — 4 4 — 5 5 Total real estate loans $ 13,438 $ 23,854 $ 37,292 $ 13,505 $ 25,408 $ 38,913 At December 31, 2019 and September 30, 2019 , individually evaluated loans that required an allowance were comprised only of loans evaluated for impairment based on the present value of cash flows, such as performing TDRs, and loans with an indication of further deterioration in the fair value of the property not yet supported by a full review and collateral evaluation. All other individually evaluated loans received a charge-off, if applicable. Because many variables are considered in determining the appropriate level of general valuation allowances, directional changes in individual considerations do not always align with the directional change in the balance of a particular component of the general valuation allowance. At December 31, 2019 and September 30, 2019 , respectively, allowances on individually reviewed loans evaluated for impairment (IVAs) included those based on the present value of cash flows, such as performing TDRs, were $13,437 and $13,399 , and allowances on loans with further deteriorations in the fair value of the property not yet supported by a full review were $1 and $106 . Residential Core mortgage loans represent the largest portion of the residential real estate portfolio. The Company believes overall credit risk is low based on the nature, composition, collateral, products, lien position and performance of the portfolio. The portfolio does not include loan types or structures that have experienced severe performance problems at other financial institutions (sub-prime, no documentation or pay-option adjustable-rate mortgages). The portfolio contains adjustable-rate mortgage loans whereby the interest rate is locked initially for mainly three or five years then resets annually, subject to various re-lock options available to the borrower. Although the borrower is qualified for its loan at a higher rate than the initial one, the adjustable-rate feature may impact a borrower's ability to afford the higher payments upon rate reset during periods of rising interest rates. With limited historical loss experience compared to other types of loans in the portfolio, judgment is required by management in assessing the allowance required. The principal amount of loans in the portfolio that are adjustable-rate mortgage loans was $5,129,610 and $5,063,010 at December 31, 2019 and September 30, 2019 , respectively. As described earlier in this footnote, Home Today loans have greater credit risk than traditional residential real estate mortgage loans. At December 31, 2019 and September 30, 2019 , respectively, approximately 13% and 14% of Home Today loans include private mortgage insurance coverage. The majority of the coverage on these loans was provided by PMI Mortgage Insurance Co., which was seized by the Arizona Department of Insurance in 2011 and currently pays all claim payments at 74.5% . Appropriate adjustments have been made to the Company’s affected valuation allowances and charge-offs, and estimated loss severity factors were adjusted accordingly for loans evaluated collectively. The amount of loans in the Company's total owned residential portfolio covered by mortgage insurance provided by PMIC as of December 31, 2019 and September 30, 2019 , respectively, was $24,518 and $26,191 , of which $22,684 and $24,198 was current. The amount of loans in the Company's total owned residential portfolio covered by mortgage insurance provided by Mortgage Guaranty Insurance Corporation as of December 31, 2019 and September 30, 2019 , respectively, was $15,774 and $17,345 , of which $15,734 and $17,232 was current. As of December 31, 2019 , MGIC's long-term debt rating, as published by the major credit rating agencies, did not meet the requirements to qualify as "high credit quality"; however, MGIC continues to make claim payments in accordance with its contractual obligations and the Company has not increased its estimated loss severity factors related to MGIC's claim paying ability. No other loans were covered by mortgage insurers that were deferring claim payments or which were assessed as being non-investment grade. Home equity loans and lines of credit, which are comprised primarily of home equity lines of credit, represent a significant portion of the residential real estate portfolio. On home equity lines of credit originated prior to 2012, subsequent deterioration in economic and housing market conditions may impact a borrower's ability to afford the higher payments required during the end of draw repayment period that follows the period of interest only payments, or the ability to secure alternative financing. Beginning in 2013, the terms on new home equity lines of credit included monthly principal and interest payments throughout the entire term to minimize the potential payment differential between the draw and after draw periods. The Company originates construction loans to individuals for the construction of their personal single-family residence by a qualified builder (construction/permanent loans). The Company’s construction/permanent loans generally provide for disbursements to the builder or sub-contractors during the construction phase as work progresses. During the construction phase, the borrower only pays interest on the drawn balance. Upon completion of construction, the loan converts to a permanent amortizing loan without the expense of a second closing. The Company offers construction/permanent loans with fixed or adjustable-rates, and a current maximum loan-to-completed-appraised value ratio of 85%. Other loans are comprised of loans secured by certificate of deposit accounts, which are fully recoverable in the event of non-payment, and forgivable down payment assistance loans, which are unsecured loans used as down payment assistance to borrowers qualified through partner housing agencies. The Company records a liability for the loans which are forgiven in equal increments over a pre-determined term, subject to residency requirements. For all classes of loans, a loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal and interest according to the contractual terms of the loan agreement. Factors considered in determining that a loan is impaired may include the deteriorating financial condition of the borrower indicated by missed or delinquent payments, a pending legal action, such as bankruptcy or foreclosure, or the absence of adequate security for the loan. The recorded investment and the unpaid principal balance of impaired loans, including those reported as TDRs, as of December 31, 2019 and September 30, 2019 , are summarized as follows. Balances of recorded investments are adjusted for deferred loan fees and expenses. December 31, 2019 September 30, 2019 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related IVA recorded: Residential Core $ 43,815 $ 59,009 $ — $ 44,122 $ 59,538 $ — Residential Home Today 12,237 32,354 — 12,764 31,958 — Home equity loans and lines of credit 16,625 21,477 — 18,528 23,935 — Total $ 72,677 $ 112,840 $ — $ 75,414 $ 115,431 $ — With an IVA recorded: Residential Core $ 38,376 $ 38,453 $ 7,038 $ 42,947 $ 43,042 $ 7,080 Residential Home Today 24,153 24,119 2,447 24,195 24,178 2,422 Home equity loans and lines of credit 28,043 28,042 3,953 27,917 27,924 4,003 Total $ 90,572 $ 90,614 $ 13,438 $ 95,059 $ 95,144 $ 13,505 Total impaired loans: Residential Core $ 82,191 $ 97,462 $ 7,038 $ 87,069 $ 102,580 $ 7,080 Residential Home Today 36,390 56,473 2,447 36,959 56,136 2,422 Home equity loans and lines of credit 44,668 49,519 3,953 46,445 51,859 4,003 Total $ 163,249 $ 203,454 13,438 $ 170,473 $ 210,575 $ 13,505 At December 31, 2019 and September 30, 2019 , respectively, the recorded investment in impaired loans includes $151,313 and $157,408 of loans restructured in TDRs of which $8,425 and $8,435 are 90 days or more past due. The average recorded investment in impaired loans and the amount of interest income recognized during the period that the loans were impaired are summarized below. For the Three Months Ended December 31, 2019 2018 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related IVA recorded: Residential Core $ 43,969 $ 365 $ 52,733 $ 460 Residential Home Today 12,501 48 15,762 72 Home equity loans and lines of credit 17,577 94 22,626 104 Total $ 74,047 $ 507 $ 91,121 $ 636 With an IVA recorded: Residential Core $ 40,662 $ 296 $ 38,643 $ 305 Residential Home Today 24,174 281 25,218 296 Home equity loans and lines of credit 27,980 166 25,762 158 Total $ 92,816 $ 743 $ 89,623 $ 759 Total impaired loans: Residential Core $ 84,631 $ 661 $ 91,376 $ 765 Residential Home Today 36,675 329 40,980 368 Home equity loans and lines of credit 45,557 260 48,388 262 Total $ 166,863 $ 1,250 $ 180,744 $ 1,395 Interest on loans in non-accrual status is recognized on a cash basis. The amount of interest income on impaired loans recognized using a cash basis method was $276 and $392 for the three months ended December 31, 2019 and December 31, 2018 , respectively. Cash payments on loans with a partial charge-off are applied fully to principal, then to recovery of the charged off amount prior to interest income being recognized, except cash payments may be applied to interest capitalized in a restructuring when collection of remaining amounts due is considered probable. Interest income on the remaining impaired loans is recognized on an accrual basis. Charge-offs on residential mortgage loans, home equity loans and lines of credit, and construction loans are recognized when triggering events, such as foreclosure actions, short sales, or deeds accepted in lieu of repayment, result in less than full repayment of the recorded investment in the loans. Partial or full charge-offs are also recognized for the amount of impairment on loans considered collateral dependent that meet the conditions described below. • For residential mortgage loans, payments are greater than 180 days delinquent; • For home equity lines of credit, equity loans, and residential loans restructured in a TDR, payments are greater than 90 days delinquent; • For all classes of loans restructured in a TDR with a high debt-to-income ratio at time of modification; • For all classes of loans, a sheriff sale is scheduled within 60 days to sell the collateral securing the loan; • For all classes of loans, all borrowers have been discharged of their obligation through a Chapter 7 bankruptcy; • For all classes of loans, within 60 days of notification, all borrowers obligated on the loan have filed Chapter 7 bankruptcy and have not reaffirmed or been dismissed; • For all classes of loans, a borrower obligated on a loan has filed bankruptcy and the loan is greater than 30 days delinquent; and • For all classes of loans, it becomes evident that a loss is probable. Collateral dependent residential mortgage loans and construction loans are charged off to the extent the recorded investment in the loan, net of anticipated mortgage insurance claims, exceeds the fair value, less costs to dispose of the underlying property. Management can determine if the loan is uncollectible for reasons such as foreclosures exceeding a reasonable time frame and recommend a full charge-off. Home equity loans or lines of credit are charged off to the extent the recorded investment in the loan plus the balance of any senior liens exceeds the fair value, less costs to dispose of the underlying property, or management determines the collateral is not sufficient to satisfy the loan. A loan in any portfolio identified as collateral dependent will continue to be reported as impaired until it is no longer considered collateral dependent, is less than 30 days past due and does not have a prior charge-off. A loan in any portfolio that has a partial charge-off consequent to impairment evaluation will continue to be individually evaluated for impairment until, at a minimum, the impairment has been recovered. Residential mortgage loans and construction loans restructured in TDRs that are not evaluated based on collateral are separately evaluated for impairment on a loan by loan basis at the time of restructuring and at each subsequent reporting date for as long as they are reported as TDRs. The impairment evaluation is based on the present value of expected future cash flows discounted at the effective interest rate of the original loan. Expected future cash flows include a discount factor representing a potential for default. Valuation allowances are recorded for the excess of the recorded investments over the result of the cash flow analysis. Loans discharged in Chapter 7 bankruptcy are reported as TDRs and also evaluated based on the present value of expected future cash flows unless evaluated based on collateral. We evaluate these loans using the expected future cash flows because we expect the borrower, not liquidation of the collateral, to be the source of repayment for the loan. Other loans are not considered for restructuring. A loan restructured in a TDR is classified as an impaired loan for a minimum of one year. After one year, that loan may be reclassified out of the balance of impaired loans if the loan was restructured to yield a market rate for loans of similar credit risk at the time of restructuring and the loan is not impaired based on the terms of the restructuring agreement. No loans whose terms were restructured in TDRs were reclassified from impaired loans during the three months months ended December 31, 2019 and December 31, 2018 . Initial concessions granted by loans restructured as TDRs can include reduction of interest rate, extension of amortization period, forbearance or other actions. Some TDRs have experienced a combination of concessions. TDRs also can occur as a result of bankruptcy proceedings. Loans discharged in Chapter 7 bankruptcy are classified as multiple restructurings if the loan's original terms had also been restructured by the Company. The recorded investment in TDRs by category as of December 31, 2019 and September 30, 2019 is shown in the tables below. December 31, 2019 Initial Restructuring Multiple Restructurings Bankruptcy Total Residential Core $ 33,792 $ 24,865 $ 17,736 $ 76,393 Residential Home Today 15,868 16,565 3,098 35,531 Home equity loans and lines of credit 33,072 3,224 3,093 39,389 Total $ 82,732 $ 44,654 $ 23,927 $ 151,313 September 30, 2019 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 35,829 $ 24,951 $ 19,494 $ 80,274 Residential Home Today 16,233 16,868 3,234 36,335 Home equity loans and lines of credit 34,459 3,115 3,225 40,799 Total $ 86,521 $ 44,934 $ 25,953 $ 157,408 TDRs may be restructured more than once. Among other requirements, a subsequent restructuring may be available for a borrower upon the expiration of temporary restructuring terms if the borrower cannot return to regular loan payments. If the borrower is experiencing an income curtailment that temporarily has reduced their capacity to repay, such as loss of employment, reduction of hours, non-paid leave or short-term disability, a temporary restructuring is considered. If the borrower lacks the capacity to repay the loan at the current terms due to a permanent condition, a permanent restructuring is considered. In evaluating the need for a subsequent restructuring, the borrower’s ability to repay is generally assessed utilizing a debt to income and cash flow analysis. For all loans restructured during the three months ended December 31, 2019 and December 31, 2018 (set forth in the tables below), the pre-restructured outstanding recorded investment was not materially different from the post-restructured outstanding recorded investment. The following tables set forth the recorded investment in TDRs restructured during the periods presented. For the Three Months Ended December 31, 2019 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 1,183 $ 1,771 $ 178 $ 3,132 Residential Home Today 306 765 38 1,109 Home equity loans and lines of credit 264 378 280 922 Total $ 1,753 $ 2,914 $ 496 $ 5,163 For the Three Months Ended December 31, 2018 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 2,766 $ 2 $ 922 $ 3,690 Residential Home Today 272 — 125 397 Home equity loans and lines of credit 3,534 — 200 3,734 Total $ 6,572 $ 2 $ 1,247 $ 7,821 Below summarizes the information on TDRs restructured within 12 months of the period presented for which there was a subsequent payment default, at least 30 days past due on one scheduled payment, during the period presented. For the Three Months Ended December 31, 2019 2018 TDRs That Subsequently Defaulted Number of Contracts Recorded Investment Number of Recorded Residential Core 11 $ 1,561 10 $ 1,356 Residential Home Today 15 577 18 875 Home equity loans and lines of credit 7 503 10 661 Total 33 $ 2,641 38 $ 2,892 Residential loans are internally assigned a grade that complies with the guidelines outlined in the OCC’s Handbook for Rating Credit Risk. Pass loans are assets well protected by the current paying capacity of the borrower. Special Mention loans have a potential weakness, as evaluated based on delinquency status or nature of the product, that the Company feels deserve management’s attention and may result in further deterioration in their repayment prospects and/or the Company’s credit position. Substandard loans are inadequately protected by the current payment capacity of the borrower or the collateral pledged with a defined weakness that jeopardizes the liquidation of the debt. Also included in Substandard are performing home equity loans and lines of credit where the customer has a severely delinquent first mortgage to which the performing home equity loan or line of credit is subordinate and loans in Chapter 7 bankruptcy status where all borrowers have filed, and have not reaffirmed or been dismissed. Loss loans are considered uncollectible and are charged off when identified. Loss loans are of such little value that their continuance as bankable assets is not warranted even though partial recovery may be effected in the future. The following tables provide information about the credit quality of residential loan receivables by an internally assigned grade. Balances are adjusted for deferred loan fees, expenses and any applicable loans-in-process. Pass Special Mention Substandard Loss Total December 31, 2019 Real estate loans: Residential Core $ 11,104,802 $ 4,282 $ 39,707 $ — $ 11,148,791 Residential Home Today 69,331 — 13,009 — 82,340 Home equity loans and lines of credit 2,228,691 2,391 17,549 — 2,248,631 Construction 22,402 — — — 22,402 Total real estate loans $ 13,425,226 $ 6,673 $ 70,265 $ — $ 13,502,164 Pass Special Mention Substandard Loss Total September 30, 2019 Real estate loans: Residential Core $ 10,869,597 $ 4,348 $ 44,756 $ — $ 10,918,701 Residential Home Today 70,631 — 13,983 — 84,614 Home equity loans and lines of credit 2,175,341 2,588 24,053 — 2,201,982 Construction 26,195 — — — 26,195 Total real estate loans $ 13,141,764 $ 6,936 $ 82,792 $ — $ 13,231,492 At December 31, 2019 and September 30, 2019 , respectively, the recorded investment of impaired loans includes $96,826 and $90,295 of TDRs individually evaluated for impairment that have adequately performed under the terms of the restructuring and are classified as Pass loans. At December 31, 2019 and September 30, 2019 , respectively, there were $3,842 and $2,614 of loans classified Substandard and $6,673 and $6,936 of loans designated Special Mention that are not included in the recorded investment of impaired loans; rather, they are included in loans collectively evaluated for impairment. Of the $6,673 of loans classified Special Mention at December 31, 2019 , $4,282 are residential mortgage loans purchased which were current and performing at the time of purchase. These loans are designated Special Mention due to the absence of mortgage insurance coverage and potentially weaker repayment prospects when compared with the Company's originated residential Core Portfolio. Other loans are internally assigned a grade of non-performing when they become 90 days or more past due. At December 31, 2019 and September 30, 2019 , no other loans were graded as non-performing. Activity in the allowance for loan losses is summarized as follows: For the Three Months Ended December 31, 2019 Beginning Balance Provisions Charge-offs Recoveries Ending Balance Real estate loans: Residential Core $ 19,753 $ (1,766 ) $ (485 ) $ 810 $ 18,312 Residential Home Today 4,209 (145 ) (359 ) 527 4,232 Home equity loans and lines of credit 14,946 (1,088 ) (745 ) 1,631 14,744 Construction 5 (1 ) — — 4 Total real estate loans $ 38,913 $ (3,000 ) $ (1,589 ) $ 2,968 $ 37,292 For the Three Months Ended December 31, 2018 Beginning Balance Provisions Charge-offs Recoveries Ending Balance Real estate loans: Residential Core $ 18,288 $ 909 $ (243 ) $ 211 $ 19,165 Residential Home Today 3,204 317 (241 ) 468 3,748 Home equity loans and lines of credit 20,921 (3,225 ) (843 ) 2,168 19,021 Construction 5 (1 ) — — 4 Total real estate loans $ 42,418 $ (2,000 ) $ (1,327 ) $ 2,847 $ 41,938

Leases

Leases	3 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Leases	LEASES On October 1, 2019, the Company adopted ASU 2016-02, Leases (Topic 842) and all related amendments which require lessees to recognize operating leases on the Consolidated Statements of Condition as lease assets (a right-of-use asset) and lease liabilities (a liability to make lease payments), measured on a discounted basis. Prior to October 1, 2019, operating leases were not recorded on the balance sheet. As permitted under ASC 842, the Company has made an accounting policy election to exempt leases with an initial term of twelve months or less from balance sheet recognition and to expense them over the lease term. As of December 31, 2019 the Company has no leases with an initial term of twelve months or less. The Company elected the practical expedient to account for lease and non-lease components as a single lease component for all classes of assets. The Company also elected the package of practical expedients that do not require reassessment of whether any expired or existing contracts are or contain leases, the lease classification for any expired or existing leases, or initial direct costs for any existing leases. The Company also adopted ASU 2018-11, Leases (Topic 842) Targeted Improvements, and elected not to recast comparative periods in the period of adoption of ASU 2016-02. Refer to Note 15. Recent Accounting Pronouncements , for further discussions regarding the adoption of this new guidance. As a lessee, the Company enters into leases of buildings and land. The Company occupies certain banking branches and a disaster recovery site through non-cancellable operating leases with remaining terms ranging from less than one year to 18 years. The Company has no financing leases. Most of the leases have fixed payment terms with annual fixed-escalation clauses. Certain leases have annual rent escalations based on subsequent year-to-year changes in the consumer price index. These year-to-year changes in the consumer price index are excluded from the calculation of right-of-use assets and lease liabilities and recognized as expense in the period in which they are incurred. Additionally, all variable lease costs that are not based on an index or rate, such as "common area maintenance" costs, are expensed as incurred. Most of the Company's leases include options to extend for periods that range from five to 10 years. None of the leases have early-termination options. The Company has not included term extensions in the calculation of the lease term, as the Company does not consider it reasonably certain that the options will be exercised. As the interest rate implicit in all of the Company's lease contracts is not readily determinable, the Company utilized its incremental borrowing rate, which is the rate that would be incurred to borrow on a collateralized basis over a similar term on an amount equal to the total contractual lease payments in a similar economic environment. The incremental borrowing rate utilized for all the Company's leases is the FHLB Advance rate based on the lease term at commencement in determining the present value of lease payments. Operating and variable lease expenses for the three months ended December 31, 2019 totaled $1,295 and $336 , respectively. During the three months ended December 31, 2019 , the Company paid $1,264 in cash for amounts included in the measurement of lease liabilities. As of December 31, 2019 , the Company has not entered into any material leases that have not yet commenced. The following table summarizes information relating to the Company's operating leases as of December 31, 2019 : Right-of-use assets (a) $ 18,362 Lease liabilities (b) $ 18,708 Weighted Average Remaining Lease Term 6.34 years Weighted Average Discount Rate 1.92 % (a) Included in other assets in the Consolidated Statements of Condition (b) Included in accrued expenses and other liabilities in the Consolidated Statements of Condition The following table summarizes the maturities of lease liabilities as of December 31, 2019 : Maturing in: Amount 12 months or less $ 4,988 13 to 24 months 4,023 25 to 36 months 3,183 37 to 48 months 2,285 49 to 60 months 1,659 over 60 months 3,874 Total minimum lease payments 20,012 Less imputed interest 1,304 Total lease liabilities $ 18,708 The following table summarizes the future minimum payments as of September 30, 2019 , prior to the date of adoption and as defined by previous lease accounting guidance, ASC 840, with non-cancellable operating lease terms expiring after September 30, 2019 : Maturing in: Amount 12 months or less $ 4,881 13 to 24 months 4,145 25 to 36 months 3,171 37 to 48 months 2,366 49 to 60 months 1,613 over 60 months 4,209 Total minimum lease payments $ 20,385

Deposits

Deposits	3 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Deposits	DEPOSITS Deposit account balances are summarized as follows: December 31, September 30, Checking accounts $ 891,780 $ 862,647 Savings accounts, excluding money market accounts 1,035,394 1,042,357 Money market accounts 469,138 441,843 Certificates of deposit 6,600,307 6,415,824 8,996,619 8,762,671 Accrued interest 4,301 3,713 Total deposits $ 9,000,920 $ 8,766,384 Brokered certificates of deposit (exclusive of acquisition costs and subsequent amortization), which are used as a cost effective funding alternative, totaled $501,360 at December 31, 2019 and $507,800 at September 30, 2019 . The FDIC places restrictions on banks with regard to issuing brokered deposits based on the bank's capital classification. As a well-capitalized institution at December 31, 2019 and September 30, 2019 , the Association may accept brokered deposits without FDIC restrictions.

Borrowed Funds

Borrowed Funds	3 Months Ended
	Dec. 31, 2019
Advances from Federal Home Loan Banks [Abstract]
Borrowed Funds	BORROWED FUNDS Federal Home Loan Bank borrowings at December 31, 2019 are summarized in the table below. The amount and weighted average rates of certain FHLB Advances maturing in 24 months or less reflect the net impact of deferred penalties discussed below: Amount Weighted Average Rate Maturing in: 12 months or less $ 3,419,603 1.75 % 13 to 24 months 636 1.47 % 25 to 36 months 1,800 0.96 % 37 to 48 months 165,000 1.90 % 49 to 60 months 275,000 1.68 % Over 60 months 20,903 1.68 % Total FHLB Advances 3,882,942 1.75 % Accrued interest 6,707 Total $ 3,889,649 For the periods ending December 31, 2019 and December 31, 2018 net interest expense related to Federal Home Loan Bank short-term borrowings was $14,295 and $14,246 , respectively. Through the use of interest rate swaps discussed in Note 14. Derivative Instruments , $2,800,000 of FHLB advances included in the table above as maturing in 12 months or less, have effective maturities, assuming no early terminations of the swap contracts, as shown below: Amount Swap Adjusted Weighted Average Rate Effective maturity: 12 months or less $ 125,000 1.25 % 13 to 24 months 550,000 1.27 % 25 to 36 months 875,000 1.94 % 37 to 48 months 175,000 2.66 % 49 to 60 months 275,000 1.69 % Over 60 months 800,000 2.34 % Total FHLB Advances under swap contracts $ 2,800,000 1.91 % During fiscal year 2016, $150,000 fixed-rate FHLB advances with remaining terms of approximately four years were prepaid and replaced with new four- and five-year interest rate swap arrangements. The unamortized deferred repayment penalties of $413 related to the $150,000 of restructuring are being recognized in interest expense over the remaining term of the swap contracts.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	3 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Other Comprehensive Income (Loss)	OTHER COMPREHENSIVE INCOME (LOSS) The change in accumulated other comprehensive income (loss) by component is as follows: For the Three Months Ended For the Three Months Ended December 31, 2019 December 31, 2018 Unrealized Gains (Losses) on Securities Available for Sale Cash flow hedges Defined Benefit Plan Total Unrealized Gains (Losses) on Securities Available for Sale Cash flow hedges Defined Benefit Plan Total Balance at beginning of period $ (2,165 ) $ (44,915 ) $ (22,299 ) $ (69,379 ) $ (13,624 ) $ 51,914 $ (15,068 ) $ 23,222 Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $5,022 and $(5,158) 2,923 15,972 — 18,895 5,097 (24,500 ) — (19,403 ) Amounts reclassified, net of tax expense (benefit) of $(84) and $(547) — (767 ) 452 (315 ) — (2,322 ) 264 (2,058 ) Other comprehensive income (loss) 2,923 15,205 452 18,580 5,097 (26,822 ) 264 (21,461 ) Balance at end of period $ 758 $ (29,710 ) $ (21,847 ) $ (50,799 ) $ (8,527 ) $ 25,092 $ (14,804 ) $ 1,761 The following table presents the reclassification adjustment out of accumulated other comprehensive income included in net income and the corresponding line item on the consolidated statements of income for the periods indicated: Amounts Reclassified from Accumulated Other Comprehensive Income Details about Accumulated Other Comprehensive Income Components For the Three Months Ended December 31, Line Item in the Consolidated Statement of Income 2019 2018 Cash flow hedges: Interest (income) expense $ (971 ) $ (2,939 ) Interest expense Net income tax effect 204 617 Income tax expense Net of income tax expense (benefit) (767 ) (2,322 ) Amortization of defined benefit plan: Actuarial loss 572 334 (a) Net income tax effect (120 ) (70 ) Income tax expense Net of income tax expense (benefit) 452 264 Total reclassifications for the period $ (315 ) $ (2,058 ) (a) This item is included in the computation of net periodic pension cost. See Note 10. Defined Benefit Plan for additional disclosure.

Income Taxes

Income Taxes	3 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and in various state and city jurisdictions. The Company is no longer subject to income tax examinations in its major jurisdictions for tax years prior to 2016. The Company recognizes interest and penalties on income tax assessments or income tax refunds, where applicable, in the financial statements as a component of its provision for income taxes. The Company’s combined federal and state effective income tax rate was 19.4% and 23.3% for the three months ended December 31, 2019 and December 31, 2018 , respectively. The decrease in the effective tax rate is primarily due to lower state tax expense and an increase in excess tax benefits associated with equity compensation during the three months ended December 31, 2019 compared to the three months ended December 31, 2018 . The Company makes certain investments in limited partnerships which invest in affordable housing projects that qualify for the Low Income Housing Tax Credit (LIHTC). The Company acts as a limited partner in these investments and does not exert control over the operating or financial policies of the partnership. The Company accounts for its interests in LIHTCs using the proportional amortization method. The impact of the Company's investments in tax credit entities on the provision for income taxes was not material during the three months ended December 31, 2019 and December 31, 2018 .

Defined Benefit Plan

Defined Benefit Plan	3 Months Ended
	Dec. 31, 2019
Retirement Benefits [Abstract]
Defined Benefit Plan	DEFINED BENEFIT PLAN The Third Federal Savings Retirement Plan (the “Plan”) is a defined benefit pension plan. Effective December 31, 2002, the Plan was amended to limit participation to employees who met the Plan’s eligibility requirements on that date. Effective December 31, 2011, the Plan was amended to freeze future benefit accruals for participants in the Plan. After December 31, 2002, employees not participating in the Plan, upon meeting the applicable eligibility requirements, and those eligible participants who no longer receive service credits under the Plan, participate in a separate tier of the Company’s defined contribution 401(k) Savings Plan. Benefits under the Plan are based on years of service and the employee’s average annual compensation (as defined in the Plan) through December 31, 2011. The funding policy of the Plan is consistent with the funding requirements of U.S. federal and other governmental laws and regulations. The components of net periodic cost recognized in other non-interest expense in the unaudited Consolidated Statements of Income are as follows: Three Months Ended December 31, 2019 2018 Interest cost $ 699 $ 807 Expected return on plan assets (1,163 ) (1,146 ) Amortization of net loss 572 334 Net periodic cost (benefit) $ 108 $ (5 ) There were no required minimum employer contributions during the three months ended December 31, 2019 . There are no

Equity Incentive Plan

Equity Incentive Plan	3 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Equity Incentive Plan	In December 2019, 73,700 restricted stock units were granted to certain directors and officers of the Company and 51,800 performance stock units were granted to certain officers of the Company. The awards were made pursuant to the Amended and Restated 2008 Equity Incentive Plan, which was approved at the annual meeting of shareholders held on February 22, 2018. The following table presents share-based compensation expense recognized during the periods presented. Three Months Ended December 31, 2019 2018 Stock option expense $ 188 $ 237 Restricted stock units expense 860 844 Performance share units expense 141 — Total stock-based compensation expense $ 1,189 $ 1,081 At December 31, 2019 , 3,849,700 shares were subject to options, with a weighted average exercise price of $13.94 per share and a weighted average grant date fair value of $2.61 per share. Expected future expense related to the 600,780 non-vested options outstanding as of December 31, 2019 is $417 over a weighted average period of 0.8 years. At December 31, 2019 , 542,276 restricted stock units and 116,300 performance stock units with a weighted average grant date fair value of $15.60 and $17.42 per unit, respectively, are unvested. Expected future compensation expense relating to the 1,312,873 restricted stock units and 116,300 performance stock units outstanding as of December 31, 2019 is $4,012 over a weighted average period of 1.6 years and $1,472 over a weighted average period of 1.9 years, respectively. Each unit is equivalent to one share of common stock.

Commitments And Contingent Liab

Commitments And Contingent Liabilities	3 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments And Contingent Liabilities	COMMITMENTS AND CONTINGENT LIABILITIES In the normal course of business, the Company enters into commitments with off-balance sheet risk to meet the financing needs of its customers. 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. Commitments to originate loans generally have fixed expiration dates of 60 to 360 days or other termination clauses and may require payment of a fee. Unfunded commitments related to home equity lines of credit generally expire from five to 10 years following the date that the line of credit was established, subject to various conditions, including compliance with payment obligations, adequacy of collateral securing the line and maintenance of a satisfactory credit profile by the borrower. Since some of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Off-balance sheet commitments to extend credit involve elements of credit risk and interest rate risk in excess of the amount recognized in the consolidated statements of condition. The Company’s exposure to credit loss in the event of nonperformance by the other party to the commitment is represented by the contractual amount of the commitment. The Company generally uses the same credit policies in making commitments as it does for on-balance-sheet instruments. Interest rate risk on commitments to extend credit results from the possibility that interest rates may have moved unfavorably from the position of the Company since the time the commitment was made. At December 31, 2019 , the Company had commitments to originate loans as follows: Fixed-rate mortgage loans $ 196,382 Adjustable-rate mortgage loans 266,517 Equity loans and lines of credit 123,540 Total $ 586,439 At December 31, 2019 , the Company had unfunded commitments outstanding as follows: Equity lines of credit $ 2,298,011 Construction loans 28,972 Total $ 2,326,983 At December 31, 2019 , the unfunded commitment on home equity lines of credit, including commitments for accounts suspended as a result of material default or a decline in equity, is $2,310,802 . The above commitments are expected to be funded through normal operations. The Company and its subsidiaries are subject to various legal actions arising in the normal course of business. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the Company’s consolidated financial condition, results of operation, or statements of cash flows.

Fair Value

Fair Value	3 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value	FAIR VALUE Under U.S. GAAP, fair value is defined as the price that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date under current market conditions. A fair value framework is established whereby assets and liabilities measured at fair value are grouped into three levels of a fair value hierarchy, based on the transparency of inputs and the reliability of assumptions used to estimate fair value. The Company’s policy is to recognize transfers between levels of the hierarchy as of the end of the reporting period in which the transfer occurs. The three levels of inputs are defined as follows: Level 1 – quoted prices (unadjusted) for identical assets or liabilities in active markets. Level 2 – quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets with few transactions, or model-based valuation techniques using assumptions that are observable in the market. Level 3 – a company’s own assumptions about how market participants would price an asset or liability. As permitted under the fair value guidance in U.S. GAAP, the Company elects to measure at fair value mortgage loans classified as held for sale that are subject to pending agency contracts to securitize and sell loans. This election is expected to reduce volatility in earnings related to market fluctuations between the contract trade and settlement dates. At December 31, 2019 and September 30, 2019 , there were no loans held for sale subject to pending agency contracts for which the fair value option was elected. Presented below is a discussion of the methods and significant assumptions used by the Company to estimate fair value. Investment Securities Available for Sale— Investment securities available for sale are recorded at fair value on a recurring basis. At December 31, 2019 and September 30, 2019 , respectively, this includes $553,997 and $547,864 of investments in U.S. government obligations including highly liquid collateralized mortgage obligations issued by Fannie Mae, Freddie Mac and Ginnie Mae, measured using the market approach. The fair values of investment securities represent unadjusted price estimates obtained from third party independent nationally recognized pricing services using pricing models or quoted prices of securities with similar characteristics and are included in Level 2 of the hierarchy. Third party pricing is reviewed on a monthly basis for reasonableness based on the market knowledge and experience of company personnel that interact daily with the markets for these types of securities. Mortgage Loans Held for Sale— The fair value of mortgage loans held for sale is estimated on an aggregate basis using a market approach based on quoted secondary market pricing for loan portfolios with similar characteristics. Loans held for sale are carried at the lower of cost or fair value except, as described above, the Company elects the fair value measurement option for mortgage loans held for sale subject to pending agency contracts to securitize and sell loans. Loans held for sale are included in Level 2 of the hierarchy. At December 31, 2019 and September 30, 2019 , there were $9,608 and $3,666 , respectively, of loans held for sale carried at cost. Impaired Loans — Impaired loans represent certain loans held for investment that are subject to a fair value measurement under U.S. GAAP because they are individually evaluated for impairment and that impairment is measured using a fair value measurement, such as the fair value of the underlying collateral. Impairment is measured using a market approach based on the fair value of the collateral, less estimated costs to dispose, for loans the Company considers to be collateral-dependent due to a delinquency status or other adverse condition severe enough to indicate that the borrower can no longer be relied upon as the continued source of repayment. These conditions are described more fully in Note 4. Loans and Allowance for Loan Losses . To calculate impairment of collateral-dependent loans, the fair market values of the collateral, estimated using exterior appraisals in the majority of instances, are reduced by calculated costs to dispose, derived from historical experience and recent market conditions. Any indicated impairment is recognized by a charge to the allowance for loan losses. Subsequent increases in collateral values or principal pay downs on loans with recognized impairment could result in an impaired loan being carried below its fair value. When no impairment loss is indicated, the carrying amount is considered to approximate the fair value of that loan to the Company because contractually that is the maximum recovery the Company can expect. The recorded investment of loans individually evaluated for impairment based on the fair value of the collateral are included in Level 3 of the hierarchy with assets measured at fair value on a non-recurring basis. The range and weighted average impact of estimated costs to dispose on fair values is determined at the time of impairment or when additional impairment is recognized and is included in quantitative information about significant unobservable inputs later in this note. Loans held for investment that have been restructured in TDRs, are performing according to the restructured terms of the loan agreement and not evaluated based on collateral are individually evaluated for impairment using the present value of future cash flows based on the loan’s effective interest rate, which is not a fair value measurement. At December 31, 2019 and September 30, 2019 , respectively, this included $98,227 and $98,875 in recorded investment of TDRs with related allowances for loss of $13,437 and $13,399 . Real Estate Owned— Real estate owned includes real estate acquired as a result of foreclosure or by deed in lieu of foreclosure and is carried at the lower of the cost basis or fair value, less estimated costs to dispose. The carrying amounts of real estate owned at December 31, 2019 and September 30, 2019 were $2,813 and $2,163 , respectively. Fair value is estimated under the market approach using independent third party appraisals. As these properties are actively marketed, estimated fair values may be adjusted by management to reflect current economic and market conditions. At December 31, 2019 and September 30, 2019 , these adjustments were not significant to reported fair values. At December 31, 2019 and September 30, 2019 , respectively, $2,401 and $987 of real estate owned is included in Level 3 of the hierarchy with assets measured at fair value on a non-recurring basis where the cost basis equals or exceeds the estimate of fair values, less estimated costs to dispose of these properties. Real estate owned, included in other assets in the Consolidated Statements of Condition, includes estimated costs to dispose of $313 and $146 related to properties measured at fair value and $725 and $1,322 of properties carried at their original or adjusted cost basis at December 31, 2019 and September 30, 2019 , respectively. Derivatives— Derivative instruments include interest rate locks on commitments to originate loans for the held for sale portfolio and interest rate swaps designated as cash flow hedges. Derivatives not designated as cash flow hedges are reported at fair value in other assets or other liabilities on the Consolidated Statement of Condition with changes in value recorded in current earnings. Derivatives qualifying as cash flow hedges, when highly effective, are reported in other assets or other liabilities on the Consolidated Statement of Condition with changes in value recorded in OCI. The fair value of interest rate lock commitments is adjusted by a closure rate based on the estimated percentage of commitments that will result in closed loans. The range and weighted average impact of the closure rate is included in quantitative information about significant unobservable inputs later in this note. A significant change in the closure rate may result in a significant change in the ending fair value measurement of these derivatives relative to their total fair value. Because the closure rate is a significantly unobservable assumption, interest rate lock commitments are included in Level 3 of the hierarchy. Assets and liabilities carried at fair value on a recurring basis in the Consolidated Statements of Condition at December 31, 2019 and September 30, 2019 are summarized below. There were no liabilities carried at fair value on a recurring basis at either date. Recurring Fair Value Measurements at Reporting Date Using December 31, 2019 Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 547,342 $ — $ 547,342 $ — Fannie Mae certificates 6,655 — 6,655 — Derivatives: Interest rate lock commitments 54 — — 54 Total $ 554,051 $ — $ 553,997 $ 54 Recurring Fair Value Measurements at Reporting Date Using September 30, 2019 Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 541,042 $ — $ 541,042 $ — Fannie Mae certificates 6,822 — 6,822 — Derivatives: Interest rate lock commitments 44 — — 44 Total $ 547,908 $ — $ 547,864 $ 44 The table below presents a reconciliation of the beginning and ending balances and the location within the Consolidated Statements of Income where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3). Three Months Ended December 31, 2019 2018 Beginning balance $ 44 $ (2 ) Gain (loss) during the period due to changes in fair value: Included in other non-interest income 10 79 Ending balance $ 54 $ 77 Change in unrealized gains for the period included in earnings for assets held at end of the reporting date $ 54 $ 77 Summarized in the tables below are those assets measured at fair value on a nonrecurring basis. Nonrecurring Fair Value Measurements at Reporting Date Using December 31, Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (Level 1) (Level 2) (Level 3) Impaired loans, net of allowance $ 65,021 $ — $ — $ 65,021 Real estate owned (1) 2,401 — — 2,401 Total $ 67,422 $ — $ — $ 67,422 (1) Amounts represent fair value measurements of properties before deducting estimated costs to dispose. Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (Level 1) (Level 2) (Level 3) Impaired loans, net of allowance $ 71,492 $ — $ — $ 71,492 Real estate owned (1) 987 — — 987 Total $ 72,479 $ — $ — $ 72,479 (1) Amounts represent fair value measurements of properties before deducting estimated costs to dispose. The following provides quantitative information about significant unobservable inputs categorized within Level 3 of the Fair Value Hierarchy. The interest rate lock commitments include both mortgage origination applications and preapprovals. Preapprovals have a much lower closure rate than origination applications as reflected in the weighted average closure rate. Fair Value December 31, 2019 Valuation Technique(s) Unobservable Input Range Weighted Average Impaired loans, net of allowance $65,021 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 30% 6.2% Interest rate lock commitments $54 Quoted Secondary Market pricing Closure rate 0 - 100% 58.3% Fair Value September 30, 2019 Valuation Technique(s) Unobservable Input Range Weighted Average Impaired loans, net of allowance $71,492 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 30% 6.1% Interest rate lock commitments $44 Quoted Secondary Market pricing Closure rate 0 - 100% 65.6% The following tables present the estimated fair value of the Company’s financial instruments and their carrying amounts as reported in the Statement of Condition. December 31, 2019 Carrying Fair Level 1 Level 2 Level 3 Amount Value Assets: Cash and due from banks $ 25,935 $ 25,935 $ 25,935 $ — $ — Interest earning cash equivalents 255,291 255,291 255,291 — — Investment securities available for sale 553,997 553,997 — 553,997 — Mortgage loans held for sale 9,608 9,670 — 9,670 — Loans, net: Mortgage loans held for investment 13,464,872 13,597,535 — — 13,597,535 Other loans 2,900 2,918 — — 2,918 Federal Home Loan Bank stock 101,858 101,858 N/A — — Accrued interest receivable 40,222 40,222 — 40,222 — Cash collateral received from or held by counterparty 35,988 35,988 35,988 — — Derivatives 54 54 — — 54 Liabilities: Checking and passbook accounts $ 2,396,312 $ 2,396,312 $ — $ 2,396,312 $ — Certificates of deposit 6,604,608 6,604,974 — 6,604,974 — Borrowed funds 3,889,649 3,911,839 — 3,911,839 — Borrowers’ advances for insurance and taxes 99,391 99,391 — 99,391 — Principal, interest and escrow owed on loans serviced 31,503 31,503 — 31,503 — September 30, 2019 Carrying Fair Level 1 Level 2 Level 3 Amount Value Assets: Cash and due from banks $ 31,728 $ 31,728 $ 31,728 $ — $ — Interest earning cash equivalents 243,415 243,415 243,415 — — Investment securities available for sale 547,864 547,864 — 547,864 — Mortgage loans held for sale 3,666 3,706 — 3,706 — Loans, net: Mortgage loans held for investment 13,192,579 13,716,398 — — 13,716,398 Other loans 3,166 3,328 — — 3,328 Federal Home Loan Bank stock 101,858 101,858 N/A — — Accrued interest receivable 40,822 40,822 — 40,822 — Cash collateral received from or held by counterparty 44,261 44,261 44,261 — — Derivatives 44 44 — — 44 Liabilities: Checking and passbook accounts $ 2,346,847 $ 2,346,847 $ — $ 2,346,847 $ — Certificates of deposit 6,419,537 6,541,791 — 6,541,791 — Borrowed funds 3,902,981 3,903,032 — 3,903,032 — Borrowers’ advances for insurance and taxes 103,328 103,328 — 103,328 — Principal, interest and escrow owed on loans serviced 32,909 32,909 — 32,909 — Presented below is a discussion of the valuation techniques and inputs used by the Company to estimate fair value. Cash and Due from Banks, Interest Earning Cash Equivalents, Cash Collateral Received from or Held by Counterparty— The carrying amount is a reasonable estimate of fair value. Investment and Mortgage-Backed Securities — Estimated fair value for investment and mortgage-backed securities is based on quoted market prices, when available. If quoted prices are not available, management will use as part of their estimation process fair values which are obtained from third party independent nationally recognized pricing services using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. Mortgage Loans Held for Sale— Fair value of mortgage loans held for sale is based on quoted secondary market pricing for loan portfolios with similar characteristics. Loans— For mortgage loans held for investment and other loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining term. The use of current rates to discount cash flows reflects current market expectations with respect to credit exposure. See Item 3. Quantitative and Qualitative Disclosures About Market Risk for more information on the methodology used to estimate fair value. Impaired loans are measured at the lower of cost or fair value as described earlier in this footnote. Federal Home Loan Bank Stock— It is not practical to estimate the fair value of FHLB stock due to restrictions on its transferability. The fair value is estimated to be the carrying value, which is par. All transactions in capital stock of the FHLB Cincinnati are executed at par. Deposits— The fair value of demand deposit accounts is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposit is estimated using discounted cash flows and rates currently offered for deposits of similar remaining maturities. Borrowed Funds— Estimated fair value for borrowed funds is estimated using discounted cash flows and rates currently charged for borrowings of similar remaining maturities. Accrued Interest Receivable, Borrowers’ Advances for Insurance and Taxes, and Principal, Interest and Related Escrow Owed on Loans Serviced— The carrying amount is a reasonable estimate of fair value. Derivatives—

Derivative Instruments

Derivative Instruments	3 Months Ended
	Dec. 31, 2019
Summary of Derivative Instruments [Abstract]
Derivative Instruments	DERIVATIVE INSTRUMENTS The Company enters into interest rate swaps to add stability to interest expense and manage exposure to interest rate movements as part of an overall risk management strategy. For hedges of the Company's borrowing program, interest rate swaps designated as cash flow hedges involve the receipt of variable amounts from a counterparty in exchange for the Company making fixed payments. These derivatives are used to hedge the forecasted cash outflows associated with the Company's FHLB borrowings. At December 31, 2019 and September 30, 2019 , the interest rate swaps used in the Company's asset/liability management strategy have weighted average terms of 3.5 years and 3.7 years and weighted average fixed-rate interest payments of 1.91% and 1.92% , respectively. Cash flow hedges are initially assessed for effectiveness using regression analysis. The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in OCI and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. Quarterly, a qualitative analysis is performed to monitor the ongoing effectiveness of the hedging instrument. All derivative positions were initially and continue to be highly effective at December 31, 2019 . The Company enters into forward commitments for the sale of mortgage loans principally to protect against the risk of adverse interest rate movements on net income. The Company recognizes the fair value of such contracts when the characteristics of those contracts meet the definition of a derivative. These derivatives are not designated in a hedging relationship; therefore, gains and losses are recognized immediately in the statement of income. There were no forward commitments for the sale of mortgage loans at December 31, 2019 or September 30, 2019 . In addition, the Company is party to derivative instruments when it enters into commitments to originate a portion of its loans, which when funded, are classified as held for sale. Such commitments are not designated in a hedging relationship; therefore, gains and losses are recognized immediately in the Consolidated Statement of Income. The following tables provide the locations within the Consolidated Statements of Condition, notional values and fair values, at the reporting dates, for all derivative instruments. December 31, 2019 September 30, 2019 Notional Value Fair Value Notional Value Fair Value Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets $ 1,000,000 $ — $ 825,000 $ — Other Liabilities 1,800,000 — 1,925,000 — Total cash flow hedges: Interest rate swaps $ 2,800,000 $ — $ 2,750,000 $ — Derivatives not designated as hedging instruments Interest rate lock commitments Other Assets $ 9,284 $ 54 $ 10,358 $ 44 Total interest rate lock commitments $ 9,284 $ 54 $ 10,358 $ 44 The following tables present the net gains and losses recorded within the Consolidated Statements of Income and the Consolidated Statements of Comprehensive Income relating to derivative instruments. Three Months Ended Location of Gain or (Loss) December 31, Recognized in Income 2019 2018 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 20,218 $ (31,013 ) Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds 971 2,939 Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ 10 $ 79 The Company estimates that $5,291 of the amounts reported in AOCI will be reclassified as a debit to interest expense during the twelve months ending December 31, 2020 . Derivatives contain an element of credit risk which arises from the possibility that the Company will incur a loss because a counterparty fails to meet its contractual obligations. The Company's exposure is limited to the replacement value of the contracts rather than the notional or principal amounts. Credit risk is minimized through counterparty margin payments, transaction limits and monitoring procedures. All of the Company's swap transactions are cleared through a registered clearing broker to a central clearing organization. The clearing organization establishes daily cash and upfront cash or securities margin requirements to cover potential exposure in the event of default. This process shifts the risk away from the counterparty, since the clearing organization acts as the middleman on each cleared transaction. For derivative transactions cleared through certain clearing parties, variation margin payments are recognized as settlements. The fair value of derivative instruments are presented on a gross basis, even when the derivative instruments are subject to master netting arrangements.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Dec. 31, 2019
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
Recent Accounting Pronouncements	RECENT ACCOUNTING PRONOUNCEMENTS Adopted during the three months ended December 31, 2019 In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842). This guidance changed the accounting treatment of leases by requiring lessees to recognize operating leases on the balance sheet as lease assets (a right-of-use asset) and lease liabilities (a liability to make lease payments), measured on a discounted basis. The guidance requires both quantitative and qualitative disclosure regarding key information about the leasing arrangements. An accounting policy election to not recognize operating leases with terms of 12 months or less as assets and liabilities is permitted. This guidance is effective for fiscal years beginning after December 15, 2018, with early adoption permitted. ASU 2016-02 required entities to adopt the new lease standard using a modified retrospective approach. In July 2018, the FASB issued ASU 2018-11, Leases (Topic 842) Targeted Improvements, which provides entities with an additional (and optional) transition method to adopt the new lease standard. Under this new method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842) Land Easement Practical Expedient, which allows entities to elect an optional transition practical expedient to not evaluate under Topic 842 land easements that existed or expired before the entity's adoption of Topic 842. In December 2018, the FASB issued ASU 2018-20, Leases (Topic 842) Narrow-Scope Improvements, which addresses lessor stakeholder questions regarding sales tax, certain lessor costs and the recognition of variable payments for contracts with lease and non-lease components. In March 2019, the FASB issued ASU 2019-01, Leases Codification Improvements, which addresses stakeholder questions regarding presentation of cash flows for sales type and direct financing leases, determining the fair value of the underlying asset by lessors that are not manufacturers or dealers, and contain transition disclosures. The Company adopted ASU 2016-02 and all related amendments on October 1, 2019 utilizing the transition method described in ASU 2018-11. The Company elected the package of practical expedients that does not require reassessment of whether any expired or existing contracts are or contain leases, the lease classification for any expired or existing leases, or initial direct costs for any existing leases. The Company elected the practical expedient to combine both lease and nonlease components as a single component. The Company did not elect the hindsight practical expedient. The Company calculated the impact of adoption using the remaining minimum lease payments and remaining lease term for each contract that was identified as a lease, discounted at the incremental borrowing rate as of the adoption date. The guidance did not result in a cumulative-effect adjustment to beginning retained earnings. Refer to Note 5. Leases , for additional disclosures required by ASC 842. Issued but not yet adopted as of December 31, 2019 In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments. The amendments in this Update replace the existing incurred loss impairment methodology with a methodology that reflects the expected credit losses for the remaining life of the asset. This will require consideration of a broader range of information, including reasonably supportable forecasts, in the measurement of expected credit losses. The amendments expand disclosures of credit quality indicators, requiring disaggregation by year of origination (vintage). Additionally, credit losses on available for sale debt securities will be recognized as an allowance rather than a write-down, with reversals permitted as credit loss estimates decline. An entity will apply the amendments in this Update through a modified-retrospective approach, resulting in a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. For public business entities that are SEC filers, the amendments are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted. The Company intends to adopt this guidance effective October 1, 2020. In May 2019, the FASB issued ASU 2019-05, Financial Instruments - Credit Losses (Topic 326) Targeted Transition Relief, which addresses stakeholders' concerns by providing an option to irrevocably elect the fair value option for certain financial assets previously measured at amortized cost basis. Management has formed a working group comprised of associates from across the Company including accounting, risk management, and finance. This group has begun assessing the required changes to the credit loss estimation methodologies and systems, as well as additional data and resources that may be required to comply with this standard. Although the Company is still evaluating CECL, adoption of the standard is expected to increase the overall allowance for loan losses given the change from accounting for losses inherent in the loan portfolio to accounting for losses over the remaining life of the loans. The actual effect on the allowance for loan losses at the adoption date will be dependent upon the nature of the characteristics of the portfolio as well as the macroeconomic conditions and forecasts at that date. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820), Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement. The amendments in this Update add, remove and modify the disclosure requirements on fair value measurements in Topic 820. The amendments in this Update are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted upon issuance of this Update. The Company intends to adopt the amendments effective October 1, 2020. The Update is not expected to have a material impact on the Company's consolidated financial condition, results of operations, or disclosures. In August 2018, the FASB issued ASU 2018-15, Internal-Use Software (Subtopic 350-40) - Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That is a Service Contract. Current GAAP does not specifically address the accounting for implementation costs of a hosting arrangement that is a service contract. Accordingly, the amendments in this Update improve current GAAP because they clarify that accounting and align the accounting for implementation costs for hosting arrangements, regardless of whether they convey a license to the hosted software. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. Early adoption of the amendments in this Update is permitted, including adoption in any interim period, for all entities. The Company intends to adopt the amendments effective October 1, 2020. Management is currently assessing the impact the Update will have on the Company's disclosures. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Updates 2016-01, 2016-13 and 2017-12. The Company early adopted the amendments related to Updates 2016-01 and 2017-12 effective July 1, 2019. The amendments related to Update 2016-13 clarify the scope of the credit losses standard and address issues related to accrued interest and recoveries. The amendments are not expected to have a material impact on the Company's consolidated financial condition, results of operation, or disclosure. The Company intends to adopt the credit loss standard amendments concurrently with Update 2016-13 on October 1, 2020. The Company has determined that all other recently issued accounting pronouncements will not have a material impact on the Company's consolidated financial statements or do not apply to its operations.

Basis Of Presentation Basis Of

Basis Of Presentation Basis Of Presentation (Policies)	3 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Business, Policy	TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering, and, to a much lesser extent, other financial services. As of December 31, 2019 , approximately 81%
Basis of Accounting, Policy	The accounting and reporting policies followed by the Company conform in all material respects to U.S. GAAP and to general practices in the financial services industry. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for loan losses, the valuation of deferred tax assets, and the determination of pension obligations are particularly subject to change. The unaudited interim consolidated financial statements reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial condition of the Company at December 31, 2019 , and its results of operations and cash flows for the periods presented. Such adjustments are the only adjustments reflected in the unaudited interim financial statements. In accordance with SEC Regulation S-X for interim financial information, these statements do not include certain information and footnote disclosures required for complete audited financial statements. The Company’s Annual Report on Form 10-K for the fiscal year ended September 30, 2019 contains audited consolidated financial statements and related notes, which should be read in conjunction with the accompanying interim consolidated financial statements. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for the fiscal year ending September 30, 2020 or for any other period.
Loans and Leases Receivable, Nonaccrual Loan and Lease Status, Policy	When a loan is more than one month past due on its scheduled payments, the loan is considered 30 days or more past due. Interest on loans in accrual status, including certain loans individually reviewed for impairment, is recognized in interest income as it accrues, on a daily basis. Accrued interest on loans in non-accrual status is reversed by a charge to interest income and income is subsequently recognized only to the extent cash payments are received. Cash payments on loans in non-accrual status are applied to the oldest scheduled, unpaid payment first. Cash payments on loans with a partial charge-off are applied fully to principal, then to recovery of the charged off amount prior to interest income being recognized, except cash payments may be applied to interest capitalized in a restructuring when collection of remaining amounts due is considered probable. A non-accrual loan is generally returned to accrual status when contractual payments are less than 90 days past due. However, a loan may remain in non-accrual status when collectability is uncertain, such as a TDR that has not met minimum payment requirements, a loan with a partial charge-off, an equity loan or line of credit with a delinquent first mortgage greater than 90 days past due, or a loan in Chapter 7 bankruptcy status where all borrowers have filed, and have not reaffirmed or been dismissed. Loans are placed in non-accrual status when they are contractually 90 days or more past due. The number of days past due is determined by the number of scheduled payments that remain unpaid, assuming a period of 30 days between each scheduled payment. Loans with a partial charge-off are placed in non-accrual and will remain in non-accrual status until, at a minimum, the impairment is recovered. Loans restructured in TDRs that were in non-accrual status prior to the restructurings remain in non-accrual status for a minimum of six months after restructuring. Loans restructured in TDRs with a high debt-to-income ratio at the time of modification are placed in non-accrual status for a minimum of 12 months. Additionally, home equity loans and lines of credit where the customer has a severely delinquent first mortgage loan and loans in Chapter 7 bankruptcy status where all borrowers have filed, and not reaffirmed or been dismissed, are placed in non-accrual status. Charge-offs on residential mortgage loans, home equity loans and lines of credit, and construction loans are recognized when triggering events, such as foreclosure actions, short sales, or deeds accepted in lieu of repayment, result in less than full repayment of the recorded investment in the loans. Partial or full charge-offs are also recognized for the amount of impairment on loans considered collateral dependent that meet the conditions described below. • For residential mortgage loans, payments are greater than 180 days delinquent; • For home equity lines of credit, equity loans, and residential loans restructured in a TDR, payments are greater than 90 days delinquent; • For all classes of loans restructured in a TDR with a high debt-to-income ratio at time of modification; • For all classes of loans, a sheriff sale is scheduled within 60 days to sell the collateral securing the loan; • For all classes of loans, all borrowers have been discharged of their obligation through a Chapter 7 bankruptcy; • For all classes of loans, within 60 days of notification, all borrowers obligated on the loan have filed Chapter 7 bankruptcy and have not reaffirmed or been dismissed; • For all classes of loans, a borrower obligated on a loan has filed bankruptcy and the loan is greater than 30 days delinquent; and • For all classes of loans, it becomes evident that a loss is probable. Collateral dependent residential mortgage loans and construction loans are charged off to the extent the recorded investment in the loan, net of anticipated mortgage insurance claims, exceeds the fair value, less costs to dispose of the underlying property. Management can determine if the loan is uncollectible for reasons such as foreclosures exceeding a reasonable time frame and recommend a full charge-off. Home equity loans or lines of credit are charged off to the extent the recorded investment in the loan plus the balance of any senior liens exceeds the fair value, less costs to dispose of the underlying property, or management determines the collateral is not sufficient to satisfy the loan. A loan in any portfolio identified as collateral dependent will continue to be reported as impaired until it is no longer considered collateral dependent, is less than 30 days past due and does not have a prior charge-off. A loan in any portfolio that has a partial charge-off consequent to impairment evaluation will continue to be individually evaluated for impairment until, at a minimum, the impairment has been recovered.
Loans and Allowance for Loan Losses, Impaired Loan, Policy	For all classes of loans, a loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal and interest according to the contractual terms of the loan agreement. Factors considered in determining that a loan is impaired may include the deteriorating financial condition of the borrower indicated by missed or delinquent payments, a pending legal action, such as bankruptcy or foreclosure, or the absence of adequate security for the loan.
Loans and Allowance for Loan Losses, Troubled Debt Restructuring, Policy	Residential mortgage loans and construction loans restructured in TDRs that are not evaluated based on collateral are separately evaluated for impairment on a loan by loan basis at the time of restructuring and at each subsequent reporting date for as long as they are reported as TDRs. The impairment evaluation is based on the present value of expected future cash flows discounted at the effective interest rate of the original loan. Expected future cash flows include a discount factor representing a potential for default. Valuation allowances are recorded for the excess of the recorded investments over the result of the cash flow analysis. Loans discharged in Chapter 7 bankruptcy are reported as TDRs and also evaluated based on the present value of expected future cash flows unless evaluated based on collateral. We evaluate these loans using the expected future cash flows because we expect the borrower, not liquidation of the collateral, to be the source of repayment for the loan. Other loans are not considered for restructuring. A loan restructured in a TDR is classified as an impaired loan for a minimum of one year. After one year, that loan may be reclassified out of the balance of impaired loans if the loan was restructured to yield a market rate for loans of similar credit risk at the time of restructuring and the loan is not impaired based on the terms of the restructuring agreement. TDRs may be restructured more than once. Among other requirements, a subsequent restructuring may be available for a borrower upon the expiration of temporary restructuring terms if the borrower cannot return to regular loan payments. If the borrower is experiencing an income curtailment that temporarily has reduced their capacity to repay, such as loss of employment, reduction of hours, non-paid leave or short-term disability, a temporary restructuring is considered. If the borrower lacks the capacity to repay the loan at the current terms due to a permanent condition, a permanent restructuring is considered. In evaluating the need for a subsequent restructuring, the borrower’s ability to repay is generally assessed utilizing a debt to income and cash flow analysis.
Fair Value, Transfer, Policy	Under U.S. GAAP, fair value is defined as the price that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date under current market conditions. A fair value framework is established whereby assets and liabilities measured at fair value are grouped into three levels of a fair value hierarchy, based on the transparency of inputs and the reliability of assumptions used to estimate fair value. The Company’s policy is to recognize transfers between levels of the hierarchy as of the end of the reporting period in which the transfer occurs. The three levels of inputs are defined as follows: Level 1 – quoted prices (unadjusted) for identical assets or liabilities in active markets. Level 2 – quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets with few transactions, or model-based valuation techniques using assumptions that are observable in the market. Level 3 – a company’s own assumptions about how market participants would price an asset or liability.
Recent Accounting Pronouncements, Policy	RECENT ACCOUNTING PRONOUNCEMENTS Adopted during the three months ended December 31, 2019 In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842). This guidance changed the accounting treatment of leases by requiring lessees to recognize operating leases on the balance sheet as lease assets (a right-of-use asset) and lease liabilities (a liability to make lease payments), measured on a discounted basis. The guidance requires both quantitative and qualitative disclosure regarding key information about the leasing arrangements. An accounting policy election to not recognize operating leases with terms of 12 months or less as assets and liabilities is permitted. This guidance is effective for fiscal years beginning after December 15, 2018, with early adoption permitted. ASU 2016-02 required entities to adopt the new lease standard using a modified retrospective approach. In July 2018, the FASB issued ASU 2018-11, Leases (Topic 842) Targeted Improvements, which provides entities with an additional (and optional) transition method to adopt the new lease standard. Under this new method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842) Land Easement Practical Expedient, which allows entities to elect an optional transition practical expedient to not evaluate under Topic 842 land easements that existed or expired before the entity's adoption of Topic 842. In December 2018, the FASB issued ASU 2018-20, Leases (Topic 842) Narrow-Scope Improvements, which addresses lessor stakeholder questions regarding sales tax, certain lessor costs and the recognition of variable payments for contracts with lease and non-lease components. In March 2019, the FASB issued ASU 2019-01, Leases Codification Improvements, which addresses stakeholder questions regarding presentation of cash flows for sales type and direct financing leases, determining the fair value of the underlying asset by lessors that are not manufacturers or dealers, and contain transition disclosures. The Company adopted ASU 2016-02 and all related amendments on October 1, 2019 utilizing the transition method described in ASU 2018-11. The Company elected the package of practical expedients that does not require reassessment of whether any expired or existing contracts are or contain leases, the lease classification for any expired or existing leases, or initial direct costs for any existing leases. The Company elected the practical expedient to combine both lease and nonlease components as a single component. The Company did not elect the hindsight practical expedient. The Company calculated the impact of adoption using the remaining minimum lease payments and remaining lease term for each contract that was identified as a lease, discounted at the incremental borrowing rate as of the adoption date. The guidance did not result in a cumulative-effect adjustment to beginning retained earnings. Refer to Note 5. Leases , for additional disclosures required by ASC 842. Issued but not yet adopted as of December 31, 2019 In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments. The amendments in this Update replace the existing incurred loss impairment methodology with a methodology that reflects the expected credit losses for the remaining life of the asset. This will require consideration of a broader range of information, including reasonably supportable forecasts, in the measurement of expected credit losses. The amendments expand disclosures of credit quality indicators, requiring disaggregation by year of origination (vintage). Additionally, credit losses on available for sale debt securities will be recognized as an allowance rather than a write-down, with reversals permitted as credit loss estimates decline. An entity will apply the amendments in this Update through a modified-retrospective approach, resulting in a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. For public business entities that are SEC filers, the amendments are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted. The Company intends to adopt this guidance effective October 1, 2020. In May 2019, the FASB issued ASU 2019-05, Financial Instruments - Credit Losses (Topic 326) Targeted Transition Relief, which addresses stakeholders' concerns by providing an option to irrevocably elect the fair value option for certain financial assets previously measured at amortized cost basis. Management has formed a working group comprised of associates from across the Company including accounting, risk management, and finance. This group has begun assessing the required changes to the credit loss estimation methodologies and systems, as well as additional data and resources that may be required to comply with this standard. Although the Company is still evaluating CECL, adoption of the standard is expected to increase the overall allowance for loan losses given the change from accounting for losses inherent in the loan portfolio to accounting for losses over the remaining life of the loans. The actual effect on the allowance for loan losses at the adoption date will be dependent upon the nature of the characteristics of the portfolio as well as the macroeconomic conditions and forecasts at that date. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820), Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement. The amendments in this Update add, remove and modify the disclosure requirements on fair value measurements in Topic 820. The amendments in this Update are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted upon issuance of this Update. The Company intends to adopt the amendments effective October 1, 2020. The Update is not expected to have a material impact on the Company's consolidated financial condition, results of operations, or disclosures. In August 2018, the FASB issued ASU 2018-15, Internal-Use Software (Subtopic 350-40) - Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That is a Service Contract. Current GAAP does not specifically address the accounting for implementation costs of a hosting arrangement that is a service contract. Accordingly, the amendments in this Update improve current GAAP because they clarify that accounting and align the accounting for implementation costs for hosting arrangements, regardless of whether they convey a license to the hosted software. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. Early adoption of the amendments in this Update is permitted, including adoption in any interim period, for all entities. The Company intends to adopt the amendments effective October 1, 2020. Management is currently assessing the impact the Update will have on the Company's disclosures. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Updates 2016-01, 2016-13 and 2017-12. The Company early adopted the amendments related to Updates 2016-01 and 2017-12 effective July 1, 2019. The amendments related to Update 2016-13 clarify the scope of the credit losses standard and address issues related to accrued interest and recoveries. The amendments are not expected to have a material impact on the Company's consolidated financial condition, results of operation, or disclosure. The Company intends to adopt the credit loss standard amendments concurrently with Update 2016-13 on October 1, 2020. The Company has determined that all other recently issued accounting pronouncements will not have a material impact on the Company's consolidated financial statements or do not apply to its operations.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Summary Of Earnings Per Share	The following is a summary of the Company's earnings per share calculations. For the Three Months Ended December 31, 2019 2018 Income Shares Per share amount Income Shares Per share amount (Dollars in thousands, except per share data) Net income $ 25,642 $ 20,333 Less: income allocated to restricted stock units 417 372 Basic earnings per share: Income available to common shareholders $ 25,225 275,578,184 $ 0.09 $ 19,961 275,376,254 $ 0.07 Diluted earnings per share: Effect of dilutive potential common shares 2,310,404 1,697,063 Income available to common shareholders $ 25,225 277,888,588 $ 0.09 $ 19,961 277,073,317 $ 0.07
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share	The following is a summary of outstanding stock options and restricted and performance stock units that are excluded from the computation of diluted earnings per share because their inclusion would be anti-dilutive. For the Three Months Ended December 31, 2019 2018 Options to purchase shares 293,200 1,885,600 Restricted and performance stock units 136,945 131,500

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Dec. 31, 2019
Investments [Abstract]
Investments Securities Available For Sale	Investments available for sale are summarized as follows: December 31, 2019 Amortized Cost Gross Unrealized Fair Value Gains Losses REMICs $ 546,612 $ 2,342 $ (1,612 ) $ 547,342 Fannie Mae certificates 6,427 228 — 6,655 Total $ 553,039 $ 2,570 $ (1,612 ) $ 553,997 September 30, 2019 Amortized Gross Fair Gains Losses REMICs $ 544,042 $ 1,384 $ (4,384 ) $ 541,042 Fannie Mae certificates 6,563 259 — 6,822 Total $ 550,605 $ 1,643 $ (4,384 ) $ 547,864
Schedule Of Securities Continuous Unrealized Loss Position	Gross unrealized losses on available for sale securities and the estimated fair value of the related securities, aggregated by the length of time the securities have been in a continuous loss position, at December 31, 2019 and September 30, 2019 , were as follows: December 31, 2019 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 65,097 $ 240 $ 210,075 $ 1,372 $ 275,172 $ 1,612 September 30, 2019 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 95,751 $ 488 $ 292,643 $ 3,896 $ 388,394 $ 4,384

Loans And Allowance For Loan _2

Loans And Allowance For Loan Losses (Tables)	3 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Schedule Of Loans Held For Investment	Loans held for investment consist of the following: December 31, September 30, Real estate loans: Residential Core $ 11,131,888 $ 10,903,024 Residential Home Today 82,679 84,942 Home equity loans and lines of credit 2,221,380 2,174,961 Construction 51,404 52,332 Real estate loans 13,487,351 13,215,259 Other loans 2,900 3,166 Add (deduct): Deferred loan expenses, net 43,785 41,976 Loans in process ("LIP") (28,972 ) (25,743 ) Allowance for loan losses (37,292 ) (38,913 ) Loans held for investment, net $ 13,467,772 $ 13,195,745
Schedule Of Recorded Investment Of Loan Receivables That Are Past Due	An aging analysis of the recorded investment in loan receivables that are past due at December 31, 2019 and September 30, 2019 is summarized in the following tables. When a loan is more than one month past due on its scheduled payments, the loan is considered 30 days or more past due. Balances are adjusted for deferred loan fees, expenses and any applicable loans-in-process. 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total December 31, 2019 Real estate loans: Residential Core $ 6,870 $ 2,938 $ 8,054 $ 17,862 $ 11,130,929 $ 11,148,791 Residential Home Today 2,842 1,272 3,196 7,310 75,030 82,340 Home equity loans and lines of credit 2,422 1,234 5,176 8,832 2,239,799 2,248,631 Construction — — — — 22,402 22,402 Total real estate loans 12,134 5,444 16,426 34,004 13,468,160 13,502,164 Other loans — — — — 2,900 2,900 Total $ 12,134 $ 5,444 $ 16,426 $ 34,004 $ 13,471,060 $ 13,505,064 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total September 30, 2019 Real estate loans: Residential Core $ 6,824 $ 4,030 $ 7,674 $ 18,528 $ 10,900,173 $ 10,918,701 Residential Home Today 2,629 1,685 2,623 6,937 77,677 84,614 Home equity loans and lines of credit 3,029 1,158 5,797 9,984 2,191,998 2,201,982 Construction — — — — 26,195 26,195 Total real estate loans 12,482 6,873 16,094 35,449 13,196,043 13,231,492 Other loans — — — — 3,166 3,166 Total $ 12,482 $ 6,873 $ 16,094 $ 35,449 $ 13,199,209 $ 13,234,658
Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status	The recorded investment of loan receivables in non-accrual status is summarized in the following table. Balances are adjusted for deferred loan fees and expenses. December 31, September 30, Real estate loans: Residential Core $ 33,310 $ 37,052 Residential Home Today 11,551 12,442 Home equity loans and lines of credit 15,447 21,771 Total non-accrual loans 60,308 71,265
Schedule Of Impaired Loans	The average recorded investment in impaired loans and the amount of interest income recognized during the period that the loans were impaired are summarized below. For the Three Months Ended December 31, 2019 2018 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related IVA recorded: Residential Core $ 43,969 $ 365 $ 52,733 $ 460 Residential Home Today 12,501 48 15,762 72 Home equity loans and lines of credit 17,577 94 22,626 104 Total $ 74,047 $ 507 $ 91,121 $ 636 With an IVA recorded: Residential Core $ 40,662 $ 296 $ 38,643 $ 305 Residential Home Today 24,174 281 25,218 296 Home equity loans and lines of credit 27,980 166 25,762 158 Total $ 92,816 $ 743 $ 89,623 $ 759 Total impaired loans: Residential Core $ 84,631 $ 661 $ 91,376 $ 765 Residential Home Today 36,675 329 40,980 368 Home equity loans and lines of credit 45,557 260 48,388 262 Total $ 166,863 $ 1,250 $ 180,744 $ 1,395 The recorded investment and the unpaid principal balance of impaired loans, including those reported as TDRs, as of December 31, 2019 and September 30, 2019 , are summarized as follows. Balances of recorded investments are adjusted for deferred loan fees and expenses. December 31, 2019 September 30, 2019 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related IVA recorded: Residential Core $ 43,815 $ 59,009 $ — $ 44,122 $ 59,538 $ — Residential Home Today 12,237 32,354 — 12,764 31,958 — Home equity loans and lines of credit 16,625 21,477 — 18,528 23,935 — Total $ 72,677 $ 112,840 $ — $ 75,414 $ 115,431 $ — With an IVA recorded: Residential Core $ 38,376 $ 38,453 $ 7,038 $ 42,947 $ 43,042 $ 7,080 Residential Home Today 24,153 24,119 2,447 24,195 24,178 2,422 Home equity loans and lines of credit 28,043 28,042 3,953 27,917 27,924 4,003 Total $ 90,572 $ 90,614 $ 13,438 $ 95,059 $ 95,144 $ 13,505 Total impaired loans: Residential Core $ 82,191 $ 97,462 $ 7,038 $ 87,069 $ 102,580 $ 7,080 Residential Home Today 36,390 56,473 2,447 36,959 56,136 2,422 Home equity loans and lines of credit 44,668 49,519 3,953 46,445 51,859 4,003 Total $ 163,249 $ 203,454 13,438 $ 170,473 $ 210,575 $ 13,505
Schedule Of Troubled Debt Restructured Loans	The recorded investment in TDRs by category as of December 31, 2019 and September 30, 2019 is shown in the tables below. December 31, 2019 Initial Restructuring Multiple Restructurings Bankruptcy Total Residential Core $ 33,792 $ 24,865 $ 17,736 $ 76,393 Residential Home Today 15,868 16,565 3,098 35,531 Home equity loans and lines of credit 33,072 3,224 3,093 39,389 Total $ 82,732 $ 44,654 $ 23,927 $ 151,313 September 30, 2019 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 35,829 $ 24,951 $ 19,494 $ 80,274 Residential Home Today 16,233 16,868 3,234 36,335 Home equity loans and lines of credit 34,459 3,115 3,225 40,799 Total $ 86,521 $ 44,934 $ 25,953 $ 157,408 The following tables set forth the recorded investment in TDRs restructured during the periods presented. For the Three Months Ended December 31, 2019 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 1,183 $ 1,771 $ 178 $ 3,132 Residential Home Today 306 765 38 1,109 Home equity loans and lines of credit 264 378 280 922 Total $ 1,753 $ 2,914 $ 496 $ 5,163 For the Three Months Ended December 31, 2018 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 2,766 $ 2 $ 922 $ 3,690 Residential Home Today 272 — 125 397 Home equity loans and lines of credit 3,534 — 200 3,734 Total $ 6,572 $ 2 $ 1,247 $ 7,821 Below summarizes the information on TDRs restructured within 12 months of the period presented for which there was a subsequent payment default, at least 30 days past due on one scheduled payment, during the period presented. For the Three Months Ended December 31, 2019 2018 TDRs That Subsequently Defaulted Number of Contracts Recorded Investment Number of Recorded Residential Core 11 $ 1,561 10 $ 1,356 Residential Home Today 15 577 18 875 Home equity loans and lines of credit 7 503 10 661 Total 33 $ 2,641 38 $ 2,892
Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade	The following tables provide information about the credit quality of residential loan receivables by an internally assigned grade. Balances are adjusted for deferred loan fees, expenses and any applicable loans-in-process. Pass Special Mention Substandard Loss Total December 31, 2019 Real estate loans: Residential Core $ 11,104,802 $ 4,282 $ 39,707 $ — $ 11,148,791 Residential Home Today 69,331 — 13,009 — 82,340 Home equity loans and lines of credit 2,228,691 2,391 17,549 — 2,248,631 Construction 22,402 — — — 22,402 Total real estate loans $ 13,425,226 $ 6,673 $ 70,265 $ — $ 13,502,164 Pass Special Mention Substandard Loss Total September 30, 2019 Real estate loans: Residential Core $ 10,869,597 $ 4,348 $ 44,756 $ — $ 10,918,701 Residential Home Today 70,631 — 13,983 — 84,614 Home equity loans and lines of credit 2,175,341 2,588 24,053 — 2,201,982 Construction 26,195 — — — 26,195 Total real estate loans $ 13,141,764 $ 6,936 $ 82,792 $ — $ 13,231,492
Schedule Of The Allowance For Loan Losses	The recorded investment in loan receivables at December 31, 2019 and September 30, 2019 is summarized in the following table. The table provides details of the recorded balances according to the method of evaluation used for determining the allowance for loan losses, distinguishing between determinations made by evaluating individual loans and determinations made by evaluating groups of loans not individually evaluated. Balances of recorded investments are adjusted for deferred loan fees, expenses and any applicable loans-in-process. December 31, 2019 September 30, 2019 Individually Collectively Total Individually Collectively Total Real estate loans: Residential Core $ 82,191 $ 11,066,600 $ 11,148,791 $ 87,069 $ 10,831,632 $ 10,918,701 Residential Home Today 36,390 45,950 82,340 36,959 47,655 84,614 Home equity loans and lines of credit 44,668 2,203,963 2,248,631 46,445 2,155,537 2,201,982 Construction — 22,402 22,402 — 26,195 26,195 Total real estate loans 163,249 13,338,915 13,502,164 170,473 13,061,019 13,231,492 Other loans — 2,900 2,900 — 3,166 3,166 Total $ 163,249 $ 13,341,815 $ 13,505,064 $ 170,473 $ 13,064,185 $ 13,234,658 An analysis of the allowance for loan losses at December 31, 2019 and September 30, 2019 is summarized in the following table. The analysis provides details of the allowance for loan losses according to the method of evaluation, distinguishing between allowances for loan losses determined by evaluating individual loans and allowances for loan losses determined by evaluating groups of loans collectively. December 31, 2019 September 30, 2019 Individually Collectively Total Individually Collectively Total Real estate loans: Residential Core $ 7,038 $ 11,274 $ 18,312 $ 7,080 $ 12,673 $ 19,753 Residential Home Today 2,447 1,785 4,232 2,422 1,787 4,209 Home equity loans and lines of credit 3,953 10,791 14,744 4,003 10,943 14,946 Construction — 4 4 — 5 5 Total real estate loans $ 13,438 $ 23,854 $ 37,292 $ 13,505 $ 25,408 $ 38,913 Activity in the allowance for loan losses is summarized as follows: For the Three Months Ended December 31, 2019 Beginning Balance Provisions Charge-offs Recoveries Ending Balance Real estate loans: Residential Core $ 19,753 $ (1,766 ) $ (485 ) $ 810 $ 18,312 Residential Home Today 4,209 (145 ) (359 ) 527 4,232 Home equity loans and lines of credit 14,946 (1,088 ) (745 ) 1,631 14,744 Construction 5 (1 ) — — 4 Total real estate loans $ 38,913 $ (3,000 ) $ (1,589 ) $ 2,968 $ 37,292 For the Three Months Ended December 31, 2018 Beginning Balance Provisions Charge-offs Recoveries Ending Balance Real estate loans: Residential Core $ 18,288 $ 909 $ (243 ) $ 211 $ 19,165 Residential Home Today 3,204 317 (241 ) 468 3,748 Home equity loans and lines of credit 20,921 (3,225 ) (843 ) 2,168 19,021 Construction 5 (1 ) — — 4 Total real estate loans $ 42,418 $ (2,000 ) $ (1,327 ) $ 2,847 $ 41,938

Leases (Tables)

Leases (Tables)	3 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Summary Of Operating Leases	The following table summarizes information relating to the Company's operating leases as of December 31, 2019 : Right-of-use assets (a) $ 18,362 Lease liabilities (b) $ 18,708 Weighted Average Remaining Lease Term 6.34 years Weighted Average Discount Rate 1.92 % (a) Included in other assets in the Consolidated Statements of Condition
Maturity Analysis Of Lease Liabilities	The following table summarizes the maturities of lease liabilities as of December 31, 2019 : Maturing in: Amount 12 months or less $ 4,988 13 to 24 months 4,023 25 to 36 months 3,183 37 to 48 months 2,285 49 to 60 months 1,659 over 60 months 3,874 Total minimum lease payments 20,012 Less imputed interest 1,304 Total lease liabilities $ 18,708
Summary Of Future Minimum Rental Payments	The following table summarizes the future minimum payments as of September 30, 2019 , prior to the date of adoption and as defined by previous lease accounting guidance, ASC 840, with non-cancellable operating lease terms expiring after September 30, 2019 : Maturing in: Amount 12 months or less $ 4,881 13 to 24 months 4,145 25 to 36 months 3,171 37 to 48 months 2,366 49 to 60 months 1,613 over 60 months 4,209 Total minimum lease payments $ 20,385

Deposits (Tables)

Deposits (Tables)	3 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Summary Of Deposit Account Balances	Deposit account balances are summarized as follows: December 31, September 30, Checking accounts $ 891,780 $ 862,647 Savings accounts, excluding money market accounts 1,035,394 1,042,357 Money market accounts 469,138 441,843 Certificates of deposit 6,600,307 6,415,824 8,996,619 8,762,671 Accrued interest 4,301 3,713 Total deposits $ 9,000,920 $ 8,766,384

Borrowed Funds (Tables)

Borrowed Funds (Tables)	3 Months Ended
	Dec. 31, 2019
Advances from Federal Home Loan Banks [Abstract]
Schedule of Federal Home Loan Bank (FHLB) Borrowings	The amount and weighted average rates of certain FHLB Advances maturing in 24 months or less reflect the net impact of deferred penalties discussed below: Amount Weighted Average Rate Maturing in: 12 months or less $ 3,419,603 1.75 % 13 to 24 months 636 1.47 % 25 to 36 months 1,800 0.96 % 37 to 48 months 165,000 1.90 % 49 to 60 months 275,000 1.68 % Over 60 months 20,903 1.68 % Total FHLB Advances 3,882,942 1.75 % Accrued interest 6,707 Total $ 3,889,649
Schedule of Federal Home Loan Bank (FHLB) Short-term Debt	Through the use of interest rate swaps discussed in Note 14. Derivative Instruments , $2,800,000 of FHLB advances included in the table above as maturing in 12 months or less, have effective maturities, assuming no early terminations of the swap contracts, as shown below: Amount Swap Adjusted Weighted Average Rate Effective maturity: 12 months or less $ 125,000 1.25 % 13 to 24 months 550,000 1.27 % 25 to 36 months 875,000 1.94 % 37 to 48 months 175,000 2.66 % 49 to 60 months 275,000 1.69 % Over 60 months 800,000 2.34 % Total FHLB Advances under swap contracts $ 2,800,000 1.91 %

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The change in accumulated other comprehensive income (loss) by component is as follows: For the Three Months Ended For the Three Months Ended December 31, 2019 December 31, 2018 Unrealized Gains (Losses) on Securities Available for Sale Cash flow hedges Defined Benefit Plan Total Unrealized Gains (Losses) on Securities Available for Sale Cash flow hedges Defined Benefit Plan Total Balance at beginning of period $ (2,165 ) $ (44,915 ) $ (22,299 ) $ (69,379 ) $ (13,624 ) $ 51,914 $ (15,068 ) $ 23,222 Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $5,022 and $(5,158) 2,923 15,972 — 18,895 5,097 (24,500 ) — (19,403 ) Amounts reclassified, net of tax expense (benefit) of $(84) and $(547) — (767 ) 452 (315 ) — (2,322 ) 264 (2,058 ) Other comprehensive income (loss) 2,923 15,205 452 18,580 5,097 (26,822 ) 264 (21,461 ) Balance at end of period $ 758 $ (29,710 ) $ (21,847 ) $ (50,799 ) $ (8,527 ) $ 25,092 $ (14,804 ) $ 1,761
Reclassification Out Of Accumulated Other Comprehensive Income (Loss) Included In Net Income	The following table presents the reclassification adjustment out of accumulated other comprehensive income included in net income and the corresponding line item on the consolidated statements of income for the periods indicated: Amounts Reclassified from Accumulated Other Comprehensive Income Details about Accumulated Other Comprehensive Income Components For the Three Months Ended December 31, Line Item in the Consolidated Statement of Income 2019 2018 Cash flow hedges: Interest (income) expense $ (971 ) $ (2,939 ) Interest expense Net income tax effect 204 617 Income tax expense Net of income tax expense (benefit) (767 ) (2,322 ) Amortization of defined benefit plan: Actuarial loss 572 334 (a) Net income tax effect (120 ) (70 ) Income tax expense Net of income tax expense (benefit) 452 264 Total reclassifications for the period $ (315 ) $ (2,058 ) (a) This item is included in the computation of net periodic pension cost. See Note 10. Defined Benefit Plan for additional disclosure.

Defined Benefit Plan (Tables)

Defined Benefit Plan (Tables)	3 Months Ended
	Dec. 31, 2019
Retirement Benefits [Abstract]
Components Of Net Periodic Benefit Cost Recognized	The components of net periodic cost recognized in other non-interest expense in the unaudited Consolidated Statements of Income are as follows: Three Months Ended December 31, 2019 2018 Interest cost $ 699 $ 807 Expected return on plan assets (1,163 ) (1,146 ) Amortization of net loss 572 334 Net periodic cost (benefit) $ 108 $ (5 )

Equity Incentive Plan Equity In

Equity Incentive Plan Equity Incentive Plan (Tables)	3 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Share-based Payment Arrangement, Cost by Plan [Table Text Block]	The following table presents share-based compensation expense recognized during the periods presented. Three Months Ended December 31, 2019 2018 Stock option expense $ 188 $ 237 Restricted stock units expense 860 844 Performance share units expense 141 — Total stock-based compensation expense $ 1,189 $ 1,081

Commitments And Contingent Li_2

Commitments And Contingent Liabilities (Tables)	3 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Schedule Of Commitments To Originate And Unfunded Commitments	At December 31, 2019 , the Company had commitments to originate loans as follows: Fixed-rate mortgage loans $ 196,382 Adjustable-rate mortgage loans 266,517 Equity loans and lines of credit 123,540 Total $ 586,439 At December 31, 2019 , the Company had unfunded commitments outstanding as follows: Equity lines of credit $ 2,298,011 Construction loans 28,972 Total $ 2,326,983

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value Of Assets And Liabilities Measured On Recurring Basis	Assets and liabilities carried at fair value on a recurring basis in the Consolidated Statements of Condition at December 31, 2019 and September 30, 2019 are summarized below. There were no liabilities carried at fair value on a recurring basis at either date. Recurring Fair Value Measurements at Reporting Date Using December 31, 2019 Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 547,342 $ — $ 547,342 $ — Fannie Mae certificates 6,655 — 6,655 — Derivatives: Interest rate lock commitments 54 — — 54 Total $ 554,051 $ — $ 553,997 $ 54 Recurring Fair Value Measurements at Reporting Date Using September 30, 2019 Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 541,042 $ — $ 541,042 $ — Fannie Mae certificates 6,822 — 6,822 — Derivatives: Interest rate lock commitments 44 — — 44 Total $ 547,908 $ — $ 547,864 $ 44
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation of the beginning and ending balances and the location within the Consolidated Statements of Income where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3). Three Months Ended December 31, 2019 2018 Beginning balance $ 44 $ (2 ) Gain (loss) during the period due to changes in fair value: Included in other non-interest income 10 79 Ending balance $ 54 $ 77 Change in unrealized gains for the period included in earnings for assets held at end of the reporting date $ 54 $ 77
Assets Measured At Fair Value On A Nonrecurring Basis	Summarized in the tables below are those assets measured at fair value on a nonrecurring basis. Nonrecurring Fair Value Measurements at Reporting Date Using December 31, Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (Level 1) (Level 2) (Level 3) Impaired loans, net of allowance $ 65,021 $ — $ — $ 65,021 Real estate owned (1) 2,401 — — 2,401 Total $ 67,422 $ — $ — $ 67,422 (1) Amounts represent fair value measurements of properties before deducting estimated costs to dispose. Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (Level 1) (Level 2) (Level 3) Impaired loans, net of allowance $ 71,492 $ — $ — $ 71,492 Real estate owned (1) 987 — — 987 Total $ 72,479 $ — $ — $ 72,479 (1) Amounts represent fair value measurements of properties before deducting estimated costs to dispose.
Fair Value Inputs, Assets, Quantitative Information	The following provides quantitative information about significant unobservable inputs categorized within Level 3 of the Fair Value Hierarchy. The interest rate lock commitments include both mortgage origination applications and preapprovals. Preapprovals have a much lower closure rate than origination applications as reflected in the weighted average closure rate. Fair Value December 31, 2019 Valuation Technique(s) Unobservable Input Range Weighted Average Impaired loans, net of allowance $65,021 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 30% 6.2% Interest rate lock commitments $54 Quoted Secondary Market pricing Closure rate 0 - 100% 58.3% Fair Value September 30, 2019 Valuation Technique(s) Unobservable Input Range Weighted Average Impaired loans, net of allowance $71,492 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 30% 6.1% Interest rate lock commitments $44 Quoted Secondary Market pricing Closure rate 0 - 100% 65.6%
Estimated Fair Value Of Financial Instruments	The following tables present the estimated fair value of the Company’s financial instruments and their carrying amounts as reported in the Statement of Condition. December 31, 2019 Carrying Fair Level 1 Level 2 Level 3 Amount Value Assets: Cash and due from banks $ 25,935 $ 25,935 $ 25,935 $ — $ — Interest earning cash equivalents 255,291 255,291 255,291 — — Investment securities available for sale 553,997 553,997 — 553,997 — Mortgage loans held for sale 9,608 9,670 — 9,670 — Loans, net: Mortgage loans held for investment 13,464,872 13,597,535 — — 13,597,535 Other loans 2,900 2,918 — — 2,918 Federal Home Loan Bank stock 101,858 101,858 N/A — — Accrued interest receivable 40,222 40,222 — 40,222 — Cash collateral received from or held by counterparty 35,988 35,988 35,988 — — Derivatives 54 54 — — 54 Liabilities: Checking and passbook accounts $ 2,396,312 $ 2,396,312 $ — $ 2,396,312 $ — Certificates of deposit 6,604,608 6,604,974 — 6,604,974 — Borrowed funds 3,889,649 3,911,839 — 3,911,839 — Borrowers’ advances for insurance and taxes 99,391 99,391 — 99,391 — Principal, interest and escrow owed on loans serviced 31,503 31,503 — 31,503 — September 30, 2019 Carrying Fair Level 1 Level 2 Level 3 Amount Value Assets: Cash and due from banks $ 31,728 $ 31,728 $ 31,728 $ — $ — Interest earning cash equivalents 243,415 243,415 243,415 — — Investment securities available for sale 547,864 547,864 — 547,864 — Mortgage loans held for sale 3,666 3,706 — 3,706 — Loans, net: Mortgage loans held for investment 13,192,579 13,716,398 — — 13,716,398 Other loans 3,166 3,328 — — 3,328 Federal Home Loan Bank stock 101,858 101,858 N/A — — Accrued interest receivable 40,822 40,822 — 40,822 — Cash collateral received from or held by counterparty 44,261 44,261 44,261 — — Derivatives 44 44 — — 44 Liabilities: Checking and passbook accounts $ 2,346,847 $ 2,346,847 $ — $ 2,346,847 $ — Certificates of deposit 6,419,537 6,541,791 — 6,541,791 — Borrowed funds 3,902,981 3,903,032 — 3,903,032 — Borrowers’ advances for insurance and taxes 103,328 103,328 — 103,328 — Principal, interest and escrow owed on loans serviced 32,909 32,909 — 32,909 —

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Dec. 31, 2019
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	The following tables provide the locations within the Consolidated Statements of Condition, notional values and fair values, at the reporting dates, for all derivative instruments. December 31, 2019 September 30, 2019 Notional Value Fair Value Notional Value Fair Value Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets $ 1,000,000 $ — $ 825,000 $ — Other Liabilities 1,800,000 — 1,925,000 — Total cash flow hedges: Interest rate swaps $ 2,800,000 $ — $ 2,750,000 $ — Derivatives not designated as hedging instruments Interest rate lock commitments Other Assets $ 9,284 $ 54 $ 10,358 $ 44 Total interest rate lock commitments $ 9,284 $ 54 $ 10,358 $ 44
Schedule of Effect of Derivative Instruments, Gain (Loss) in Statement of Financial Performance	The following tables present the net gains and losses recorded within the Consolidated Statements of Income and the Consolidated Statements of Comprehensive Income relating to derivative instruments. Three Months Ended Location of Gain or (Loss) December 31, Recognized in Income 2019 2018 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 20,218 $ (31,013 ) Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds 971 2,939 Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ 10 $ 79

Basis Of Presentation (Details)

Basis Of Presentation (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2019
Property, Plant and Equipment, Net	$ 43,092		$ 61,577
Net gain on sale of commercial property	$ 4,257	$ 0
Third Federal Savings, MHC | Common Stock
Percentage of the Company's outstanding shares held by Third Federal Savings, MHC	81.00%
Subsidiaries [Member] | Office Building
Property, Plant and Equipment, Net			$ 19,324
Net gain on sale of commercial property	$ 4,257

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - shares	Dec. 31, 2019	Dec. 31, 2018
Earnings Per Share [Abstract]
Shares held by Third Federal Savings, MHC (in shares)	227,119,132
Employee Stock Ownership Plan (ESOP), neither allocated nor committed to be released to participants (in shares)	4,333,396	4,766,736

Earnings Per Share (Summary Of

Earnings Per Share (Summary Of Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Earnings Per Share [Abstract]
Net income	$ 25,642	$ 20,333
Less: income allocated to restricted stock units	417	372
Income available to common shareholders	$ 25,225	$ 19,961
Income available to common shareholders, Shares	275,578,184	275,376,254
Income available to common shareholders, per share amount, basic	$ 0.09	$ 0.07
Effect of dilutive potential common shares	2,310,404	1,697,063
Income available to common shareholders	$ 25,225	$ 19,961
Income available to common shareholders, Shares	277,888,588	277,073,317
Income available to common shareholders, per share amount, diluted	$ 0.09	$ 0.07

Earnings Per Share (Schedule of

Earnings Per Share (Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share) (Details) - shares	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Options to purchase shares
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase shares and restricted stock units (antidilutive) (in shares)	293,200	1,885,600
Restricted and Performance Stock Units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase shares and restricted stock units (antidilutive) (in shares)	136,945	131,500

Investment Securities (Investme

Investment Securities (Investments Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Schedule of Available For Sale Securities [Line Items]
Investments securities available for sale, Amortized Cost	$ 553,039	$ 550,605
Available-for-sale securities, gross unrealized gain	2,570	1,643
Available-for-sale securities, gross unrealized losses	(1,612)	(4,384)
Available-for-sale Securities	553,997	547,864
REMIC's
Schedule of Available For Sale Securities [Line Items]
Investments securities available for sale, Amortized Cost	546,612	544,042
Available-for-sale securities, gross unrealized gain	2,342	1,384
Available-for-sale securities, gross unrealized losses	(1,612)	(4,384)
Available-for-sale Securities	547,342	541,042
Fannie Mae Certificates
Schedule of Available For Sale Securities [Line Items]
Investments securities available for sale, Amortized Cost	6,427	6,563
Available-for-sale securities, gross unrealized gain	228	259
Available-for-sale securities, gross unrealized losses	0	0
Available-for-sale Securities	$ 6,655	$ 6,822

Investment Securities (Invest_2

Investment Securities (Investment Securities Held at a Continuous Loss) (Details) - REMIC's - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Schedule of Available For Sale Securities [Line Items]
Available-for-sale securities, Less Than Twelve Months, Estimated Fair Value	$ 65,097	$ 95,751
Available-for-sale securities, Less Than Twelve Months, Unrealized Loss	240	488
Available-for-sale securities, Twelve Months or Longer, Estimated Fair Value	210,075	292,643
Available-for-sale securities, Twelve Months or Longer, Unrealized Loss	1,372	3,896
Available-for-sale securities, Total Estimated Fair Value	275,172	388,394
Available-for-sale securities, Total Unrealized Losses	$ 1,612	$ 4,384

Loans And Allowance For Loan _3

Loans And Allowance For Loan Losses (Narrative) (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)loans	Dec. 31, 2018loans	Sep. 30, 2019USD ($)
Loan Portfolio [Line Items]
Loans classified as mortgage loans held for sale	$ 9,608		$ 3,666
Loans in process of foreclosure	$ 7,719		7,543
Residential loans, collateral evaluated for charge-off, number of days past due	180 days
Home equity lines of credit equity loans and residential loans modified in a troubled debt restructuring charge-offs, days past due	90 days
All classes of loans collateral evaluated for charge-off, sheriff sale scheduled number of days to sell	60 days
All classes of loans, all borrowers filed Chapter 7 Bankruptcy, collateral evaluated for charge-off, days since notification	60 days
All classes of loans borrower filed bankruptcy, collateral evaluated for charge-off, days past due	30 days
Troubled debt restructuring reclassed from impaired | loans	0	0
Impaired Financing Receivable, Recorded Investment	$ 163,249		170,473
Real estate loans	13,505,064		13,234,658
Mortgage loans
Loan Portfolio [Line Items]
Real estate loans	13,458,379		13,189,516
Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Allowance for loan losses, Individually Evaluated	3,953		4,003
Impaired Financing Receivable, Recorded Investment	44,668		46,445
Residential Core
Loan Portfolio [Line Items]
Allowance for loan losses, Individually Evaluated	7,038		7,080
Impaired Financing Receivable, Recorded Investment	82,191		87,069
Other Loans
Loan Portfolio [Line Items]
Real estate loans	2,900		3,166
Real estate loans	2,900		3,166
Interest Only | Home Equity Line of Credit
Loan Portfolio [Line Items]
Real estate loans	3,954		8,231
Troubled Debt Restructuring | Mortgage loans
Loan Portfolio [Line Items]
Impaired Financing Receivable, Recorded Investment	151,313		157,408
Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans	13,487,351		13,215,259
Allowance for loan losses, Individually Evaluated	13,438		13,505
Real estate loans	13,502,164		13,231,492
Real Estate Loans | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Real estate loans	2,221,380		2,174,961
Allowance for loan losses, Individually Evaluated	3,953		4,003
Real estate loans	2,248,631		2,201,982
Real Estate Loans | Residential Core
Loan Portfolio [Line Items]
Real estate loans	11,131,888		10,903,024
Allowance for loan losses, Individually Evaluated	7,038		7,080
Real estate loans	11,148,791		10,918,701
Nonperforming | Other Loans
Loan Portfolio [Line Items]
Real estate loans	0		0
Nonperforming | Troubled Debt Restructuring | Mortgage loans
Loan Portfolio [Line Items]
Impaired Financing Receivable, Recorded Investment	8,425		8,435
Adjustable Rate Residential Mortgage | Residential Core
Loan Portfolio [Line Items]
Real estate loans	$ 5,129,610		$ 5,063,010
Ohio | Residential Core, Home Today and Construction
Loan Portfolio [Line Items]
Residential real estate loans held, percent	57.00%		57.00%
Ohio | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Residential real estate loans held, percent	30.00%		31.00%
Florida | Residential Core, Home Today and Construction
Loan Portfolio [Line Items]
Residential real estate loans held, percent	16.00%		16.00%
Florida | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Residential real estate loans held, percent	19.00%		19.00%
California | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Residential real estate loans held, percent	16.00%		16.00%

Loans And Allowance For Loan _4

Loans And Allowance For Loan Losses (Loans Held For Investment) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Loan Portfolio [Line Items]
Deferred loan expenses, net	$ 43,785	$ 41,976
Loans in process (LIP)	(28,972)	(25,743)
Allowance for loan losses	(37,292)	(38,913)
Loans, net	13,467,772	13,195,745
Other Loans
Loan Portfolio [Line Items]
Loans, gross	2,900	3,166
Real Estate Loans
Loan Portfolio [Line Items]
Loans, gross	13,487,351	13,215,259
Real Estate Loans | Residential Core
Loan Portfolio [Line Items]
Loans, gross	11,131,888	10,903,024
Real Estate Loans | Residential Home Today
Loan Portfolio [Line Items]
Loans, gross	82,679	84,942
Real Estate Loans | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Loans, gross	2,221,380	2,174,961
Real Estate Loans | Construction
Loan Portfolio [Line Items]
Loans, gross	$ 51,404	$ 52,332

Loans And Allowance For Loan _5

Loans And Allowance For Loan Losses (Schedule Of Recorded Investment In Loan Receivables That Are Past Due) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Past Due [Line Items]
Total past due	$ 34,004	$ 35,449
Current	13,471,060	13,199,209
Total	13,505,064	13,234,658
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	12,134	12,482
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	5,444	6,873
Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	16,426	16,094
Other Loans
Financing Receivable, Past Due [Line Items]
Total past due	0	0
Current	2,900	3,166
Total	2,900	3,166
Other Loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	0	0
Other Loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	0	0
Other Loans | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	0	0
Real Estate Loans
Financing Receivable, Past Due [Line Items]
Total past due	34,004	35,449
Current	13,468,160	13,196,043
Total	13,502,164	13,231,492
Real Estate Loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	12,134	12,482
Real Estate Loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	5,444	6,873
Real Estate Loans | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	16,426	16,094
Real Estate Loans | Residential Core
Financing Receivable, Past Due [Line Items]
Total past due	17,862	18,528
Current	11,130,929	10,900,173
Total	11,148,791	10,918,701
Real Estate Loans | Residential Core | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	6,870	6,824
Real Estate Loans | Residential Core | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	2,938	4,030
Real Estate Loans | Residential Core | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	8,054	7,674
Real Estate Loans | Residential Home Today
Financing Receivable, Past Due [Line Items]
Total past due	7,310	6,937
Current	75,030	77,677
Total	82,340	84,614
Real Estate Loans | Residential Home Today | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	2,842	2,629
Real Estate Loans | Residential Home Today | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	1,272	1,685
Real Estate Loans | Residential Home Today | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	3,196	2,623
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Total past due	8,832	9,984
Current	2,239,799	2,191,998
Total	2,248,631	2,201,982
Real Estate Loans | Home Equity Loans And Lines Of Credit | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	2,422	3,029
Real Estate Loans | Home Equity Loans And Lines Of Credit | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	1,234	1,158
Real Estate Loans | Home Equity Loans And Lines Of Credit | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	5,176	5,797
Real Estate Loans | Construction
Financing Receivable, Past Due [Line Items]
Total past due	0	0
Current	22,402	26,195
Total	22,402	26,195
Real Estate Loans | Construction | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	0	0
Real Estate Loans | Construction | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	0	0
Real Estate Loans | Construction | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total past due	$ 0	$ 0

Loans And Allowance For Loan _6

Loans And Allowance For Loan Losses (Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Performing
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	$ 43,882	$ 55,171
Performing Chapter 7 Bankruptcy
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	24,059	25,895
Real Estate Loans
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	60,308	71,265
Real Estate Loans | Residential Core
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	33,310	37,052
Real Estate Loans | Residential Home Today
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	11,551	12,442
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	$ 15,447	$ 21,771

Loans And Allowance For Loan _7

Loans And Allowance For Loan Losses (Schedule Of Recorded Investment In Loan Receivables According To The Method Of Evaluation) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment, Individually Evaluated	$ 163,249	$ 170,473
Recorded Investment, Collectively Evaluated	13,341,815	13,064,185
Total	13,505,064	13,234,658
Other Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment, Individually Evaluated	0	0
Recorded Investment, Collectively Evaluated	2,900	3,166
Total	2,900	3,166
Real Estate Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment, Individually Evaluated	163,249	170,473
Recorded Investment, Collectively Evaluated	13,338,915	13,061,019
Total	13,502,164	13,231,492
Real Estate Loans | Residential Core
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment, Individually Evaluated	82,191	87,069
Recorded Investment, Collectively Evaluated	11,066,600	10,831,632
Total	11,148,791	10,918,701
Real Estate Loans | Residential Home Today
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment, Individually Evaluated	36,390	36,959
Recorded Investment, Collectively Evaluated	45,950	47,655
Total	82,340	84,614
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment, Individually Evaluated	44,668	46,445
Recorded Investment, Collectively Evaluated	2,203,963	2,155,537
Total	2,248,631	2,201,982
Real Estate Loans | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment, Individually Evaluated	0	0
Recorded Investment, Collectively Evaluated	22,402	26,195
Total	$ 22,402	$ 26,195

Loans And Allowance For Loan _8

Loans And Allowance For Loan Losses (Schedule Of Allowance For Loan Losses According To The Method Of Evaluation) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Present Value of Cash Flows | Performing | Troubled Debt Restructuring
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	$ 13,437	$ 13,399
Further Deterioration In Fair Value Of Collateral
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	1	106
Residential Core
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	7,038	7,080
Residential Home Today
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	2,447	2,422
Home Equity Loans And Lines Of Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	3,953	4,003
Real Estate Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	13,438	13,505
Allowance for loan losses, Collectively Evaluated	23,854	25,408
Allowance for credit losses	37,292	38,913	$ 41,938	$ 42,418
Real Estate Loans | Residential Core
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	7,038	7,080
Allowance for loan losses, Collectively Evaluated	11,274	12,673
Allowance for credit losses	18,312	19,753	19,165	18,288
Real Estate Loans | Residential Home Today
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	2,447	2,422
Allowance for loan losses, Collectively Evaluated	1,785	1,787
Allowance for credit losses	4,232	4,209	3,748	3,204
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	3,953	4,003
Allowance for loan losses, Collectively Evaluated	10,791	10,943
Allowance for credit losses	14,744	14,946	19,021	20,921
Real Estate Loans | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	0	0
Allowance for loan losses, Collectively Evaluated	4	5
Allowance for credit losses	$ 4	$ 5	$ 4	$ 5

Loans And Allowance For Loan _9

Loans And Allowance For Loan Losses (Loans with Private Mortgage Insurance Narrative) (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)loans	Sep. 30, 2019USD ($)
Loan Portfolio [Line Items]
Loans covered by mortgage insurance, current	$ 13,471,060	$ 13,199,209
Number of loans covered by mortgage insurers that were deferring claim payments or which were assessed as being non-investment grade | loans	0
PMIC Provided Mortgage Insurance Coverage
Loan Portfolio [Line Items]
PMI Claims Payments, Percentage Of Claim Paid	74.50%
Real estate loans	$ 24,518	26,191
Loans covered by mortgage insurance, current	22,684	24,198
MGIC Provided Mortgage Insurance Coverage
Loan Portfolio [Line Items]
Real estate loans	15,774	17,345
Loans covered by mortgage insurance, current	$ 15,734	$ 17,232
Residential Home Today
Loan Portfolio [Line Items]
Percentage of loans covered by private mortgage insurance	13.00%	14.00%

Loans And Allowance For Loan_10

Loans And Allowance For Loan Losses (Schedule Of Recorded Investment And The Unpaid Principal Balance Of Impaired Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Impaired [Line Items]
Impaired Loans, with No Related IVA, Recorded Investment	$ 72,677	$ 75,414
Impaired Loans, with No Related IVA, Unpaid Principal Balance	112,840	115,431
Impaired Loans, with an IVA, Recorded Investment	90,572	95,059
Impaired Loans, with an IVA, Unpaid Principal Balance	90,614	95,144
Impaired Loans, Recorded Investment	163,249	170,473
Impaired Loans, Unpaid Principal Balance	203,454	210,575
Residential Core
Financing Receivable, Impaired [Line Items]
Impaired Loans, with No Related IVA, Recorded Investment	43,815	44,122
Impaired Loans, with No Related IVA, Unpaid Principal Balance	59,009	59,538
Impaired Loans, with an IVA, Recorded Investment	38,376	42,947
Impaired Loans, with an IVA, Unpaid Principal Balance	38,453	43,042
Impaired Loans, Recorded Investment	82,191	87,069
Impaired Loans, Unpaid Principal Balance	97,462	102,580
Allowance for loan losses, Individually Evaluated	7,038	7,080
Residential Home Today
Financing Receivable, Impaired [Line Items]
Impaired Loans, with No Related IVA, Recorded Investment	12,237	12,764
Impaired Loans, with No Related IVA, Unpaid Principal Balance	32,354	31,958
Impaired Loans, with an IVA, Recorded Investment	24,153	24,195
Impaired Loans, with an IVA, Unpaid Principal Balance	24,119	24,178
Impaired Loans, Recorded Investment	36,390	36,959
Impaired Loans, Unpaid Principal Balance	56,473	56,136
Allowance for loan losses, Individually Evaluated	2,447	2,422
Home Equity Loans And Lines Of Credit
Financing Receivable, Impaired [Line Items]
Impaired Loans, with No Related IVA, Recorded Investment	16,625	18,528
Impaired Loans, with No Related IVA, Unpaid Principal Balance	21,477	23,935
Impaired Loans, with an IVA, Recorded Investment	28,043	27,917
Impaired Loans, with an IVA, Unpaid Principal Balance	28,042	27,924
Impaired Loans, Recorded Investment	44,668	46,445
Impaired Loans, Unpaid Principal Balance	49,519	51,859
Allowance for loan losses, Individually Evaluated	3,953	4,003
Mortgage loans | Troubled Debt Restructuring
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment	151,313	157,408
Mortgage loans | Nonperforming | Troubled Debt Restructuring
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment	$ 8,425	$ 8,435

Loans And Allowance For Loan_11

Loans And Allowance For Loan Losses (Schedule Of Average Recorded Investment In Impaired Loans And The Amount Of Interest Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Impaired Loans, with No Related IVA, Average Recorded Investment	$ 74,047	$ 91,121
Impaired Loans, with No Related IVA, Interest Income Recognized	507	636
Impaired Loans, with an IVA, Average Recorded Investment	92,816	89,623
Impaired Loans, with an IVA, Interest Income Recognized	743	759
Impaired Loans, Average Recorded Investment	166,863	180,744
Impaired Loans, Interest Income Recognized	1,250	1,395
Interest income on impaired loans, cash basis method	276	392
Residential Core
Financing Receivable, Impaired [Line Items]
Impaired Loans, with No Related IVA, Average Recorded Investment	43,969	52,733
Impaired Loans, with No Related IVA, Interest Income Recognized	365	460
Impaired Loans, with an IVA, Average Recorded Investment	40,662	38,643
Impaired Loans, with an IVA, Interest Income Recognized	296	305
Impaired Loans, Average Recorded Investment	84,631	91,376
Impaired Loans, Interest Income Recognized	661	765
Residential Home Today
Financing Receivable, Impaired [Line Items]
Impaired Loans, with No Related IVA, Average Recorded Investment	12,501	15,762
Impaired Loans, with No Related IVA, Interest Income Recognized	48	72
Impaired Loans, with an IVA, Average Recorded Investment	24,174	25,218
Impaired Loans, with an IVA, Interest Income Recognized	281	296
Impaired Loans, Average Recorded Investment	36,675	40,980
Impaired Loans, Interest Income Recognized	329	368
Home Equity Loans And Lines Of Credit
Financing Receivable, Impaired [Line Items]
Impaired Loans, with No Related IVA, Average Recorded Investment	17,577	22,626
Impaired Loans, with No Related IVA, Interest Income Recognized	94	104
Impaired Loans, with an IVA, Average Recorded Investment	27,980	25,762
Impaired Loans, with an IVA, Interest Income Recognized	166	158
Impaired Loans, Average Recorded Investment	45,557	48,388
Impaired Loans, Interest Income Recognized	$ 260	$ 262

Loans And Allowance For Loan_12

Loans And Allowance For Loan Losses (Schedule Of Recorded Investment In Troubled Debt Restructured Loans By Type Of Concession) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	$ 151,313	$ 157,408
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	82,732	86,521
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	44,654	44,934
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	23,927	25,953
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	76,393	80,274
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	33,792	35,829
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	24,865	24,951
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	17,736	19,494
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	35,531	36,335
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	15,868	16,233
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	16,565	16,868
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	3,098	3,234
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	39,389	40,799
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	33,072	34,459
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	3,224	3,115
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	$ 3,093	$ 3,225

Loans And Allowance For Loan_13

Loans And Allowance For Loan Losses (Summary Of Troubled Debt Restructured Loans Restructured During the Period By Type Of Concession) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	$ 5,163	$ 7,821
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	1,753	6,572
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	2,914	2
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	496	1,247
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	3,132	3,690
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	1,183	2,766
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	1,771	2
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	178	922
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	1,109	397
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	306	272
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	765	0
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	38	125
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	922	3,734
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	264	3,534
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	378	0
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	$ 280	$ 200

Loans And Allowance For Loan_14

Loans And Allowance For Loan Losses (Schedule Of Troubled Debt Restructured Loans Restructured Within The Last 12 Months Which Defaulted) (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)contracts	Dec. 31, 2018USD ($)contracts
Financing Receivable, Modifications Within The Last 12 Months Which Defaulted [Line Items]
Number of contracts | contracts	33	38
Recorded investment | $	$ 2,641	$ 2,892
Residential Core
Financing Receivable, Modifications Within The Last 12 Months Which Defaulted [Line Items]
Number of contracts | contracts	11	10
Recorded investment | $	$ 1,561	$ 1,356
Residential Home Today
Financing Receivable, Modifications Within The Last 12 Months Which Defaulted [Line Items]
Number of contracts | contracts	15	18
Recorded investment | $	$ 577	$ 875
Home Equity Loans And Lines Of Credit
Financing Receivable, Modifications Within The Last 12 Months Which Defaulted [Line Items]
Number of contracts | contracts	7	10
Recorded investment | $	$ 503	$ 661

Loans And Allowance For Loan_15

Loans And Allowance For Loan Losses (Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	$ 13,505,064	$ 13,234,658
Real Estate Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	13,502,164	13,231,492
Real Estate Loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	13,425,226	13,141,764
Real Estate Loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	6,673	6,936
Real Estate Loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	70,265	82,792
Real Estate Loans | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	0	0
Real Estate Loans | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	11,148,791	10,918,701
Real Estate Loans | Residential Core | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	11,104,802	10,869,597
Real Estate Loans | Residential Core | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	4,282	4,348
Real Estate Loans | Residential Core | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	39,707	44,756
Real Estate Loans | Residential Core | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	0	0
Real Estate Loans | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	82,340	84,614
Real Estate Loans | Residential Home Today | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	69,331	70,631
Real Estate Loans | Residential Home Today | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	0	0
Real Estate Loans | Residential Home Today | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	13,009	13,983
Real Estate Loans | Residential Home Today | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	0	0
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	2,248,631	2,201,982
Real Estate Loans | Home Equity Loans And Lines Of Credit | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	2,228,691	2,175,341
Real Estate Loans | Home Equity Loans And Lines Of Credit | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	2,391	2,588
Real Estate Loans | Home Equity Loans And Lines Of Credit | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	17,549	24,053
Real Estate Loans | Home Equity Loans And Lines Of Credit | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	0	0
Real Estate Loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	22,402	26,195
Real Estate Loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	22,402	26,195
Real Estate Loans | Construction | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	0	0
Real Estate Loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	0	0
Real Estate Loans | Construction | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Real estate loans	$ 0	$ 0

Loans And Allowance For Loan_16

Loans And Allowance For Loan Losses (Loans Evaluated For Impairment Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Impaired Financing Receivable, Recorded Investment	$ 163,249	$ 170,473
Loans collectively evaluated for impairment	13,341,815	13,064,185
Real estate loans	13,505,064	13,234,658
Substandard
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment	3,842	2,614
Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment	6,673	6,936
Troubled Debt Restructuring | Performing | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
Impaired Financing Receivable, Recorded Investment	96,826	90,295
Purchased special mention loans | Performing At Time Of Purchase | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans	4,282
Other Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment	2,900	3,166
Real estate loans	2,900	3,166
Real estate loans	2,900	3,166
Other Loans | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans	$ 0	$ 0

Loans And Allowance For Loan_17

Loans And Allowance For Loan Losses (Schedule Of Activity In The Allowance For Loan Losses) (Details) - Real Estate Loans - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 38,913	$ 42,418
Provisions	(3,000)	(2,000)
Charge-offs	(1,589)	(1,327)
Recoveries	2,968	2,847
Ending Balance	37,292	41,938
Residential Core
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	19,753	18,288
Provisions	(1,766)	909
Charge-offs	(485)	(243)
Recoveries	810	211
Ending Balance	18,312	19,165
Residential Home Today
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	4,209	3,204
Provisions	(145)	317
Charge-offs	(359)	(241)
Recoveries	527	468
Ending Balance	4,232	3,748
Home Equity Loans And Lines Of Credit
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	14,946	20,921
Provisions	(1,088)	(3,225)
Charge-offs	(745)	(843)
Recoveries	1,631	2,168
Ending Balance	14,744	19,021
Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	5	5
Provisions	(1)	(1)
Charge-offs	0	0
Recoveries	0	0
Ending Balance	$ 4	$ 4

Leases (Narrative) (Details)

Leases (Narrative) (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)
Lessee, Lease, Description [Line Items]
Operating Lease Cost	$ 1,295
Variable Lease Cost	336
Operating Lease Payments	$ 1,264
Minimum
Lessee, Lease, Description [Line Items]
Term Of Contract On Operating Leases	1 year
Renewal Term Of Contract On Operating Leases	5 years
Maximum
Lessee, Lease, Description [Line Items]
Term Of Contract On Operating Leases	18 years
Renewal Term Of Contract On Operating Leases	10 years

Leases (Schedule Of Lease Cost)

Leases (Schedule Of Lease Cost) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Leases [Abstract]
Right-Of-Use Asset	$ 18,362	[1]
Lease Liability	$ 18,708	[2]
Weighted Average Remaining Lease Term	6 years 4 months 2 days
Weighted Average Discount Rate, Percent	1.92%
[1]	Included in other assets in the Consolidated Statements of Condition
[2]	Included in accrued expenses and other liabilities in the Consolidated Statements of Condition

Leases (Schedule of Lease Liabi

Leases (Schedule of Lease Liability Maturities) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Leases [Abstract]
Lease Liability Payments Due In 12 Months Or Less	$ 4,988
Lease Liability Payments Due In Rolling Year Two	4,023
Lease Liability Payments Due In Rolling Year Three	3,183
Lease Liability Payments Due In Rolling Year Four	2,285
Lease Liability Payments Due In Rolling Year Five	1,659
Lease Liability Payments Due After Rolling Year Five	3,874
Lease Liability Payments Due	20,012
Lease Liability Undiscounted Excess Amount	1,304
Lease Liability	$ 18,708	[1]
[1]	Included in accrued expenses and other liabilities in the Consolidated Statements of Condition

Leases (Schedule Of Future Mini

Leases (Schedule Of Future Minimum Lease Payments) (Details) $ in Thousands	Sep. 30, 2019USD ($)
Leases [Abstract]
Future Minimum Payments, Remainder of Fiscal Year	$ 4,881
Future Minimum Payments, Due in Two Years	4,145
Future Minimum Payments, Due in Three Years	3,171
Future Minimum Payments, Due in Four Years	2,366
Future Minimum Payments, Due in Five Years	1,613
Future Minimum Payments, Due Thereafter	4,209
Future Minimum Payments Due	$ 20,385

Deposits (Summary Of Deposit Ac

Deposits (Summary Of Deposit Account Balances) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Time Deposits [Line Items]
Checking accounts	$ 891,780	$ 862,647
Certificates of deposit	6,600,307	6,415,824
Subtotal deposits	8,996,619	8,762,671
Accrued interest	4,301	3,713
Total deposits	9,000,920	8,766,384
Savings Accounts Range excluding MMA
Time Deposits [Line Items]
Savings accounts	1,035,394	1,042,357
Money Market Funds [Member]
Time Deposits [Line Items]
Savings accounts	$ 469,138	$ 441,843

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Deposits [Abstract]
Brokered certificates of deposit	$ 501,360	$ 507,800

Borrowed Funds (Schedule of Fed

Borrowed Funds (Schedule of Federal Home Loan Bank Advances (FHLB) Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Advances from Federal Home Loan Banks [Abstract]
Maturing in 12 months or less	$ 3,419,603
Maturing in 13 to 24 months	636
Maturing in 25 to 36 months	1,800
Maturing in 37 to 48 months	165,000
Maturing in 49 to 60 months	275,000
Over 60 months	20,903
Total FHLB Advances	3,882,942
Accrued interest	6,707
Total	$ 3,889,649	$ 3,902,981
Weighted Average Rate: 12 months or less	1.75%
Weighted Average Rate: 13 to 24 months	1.47%
Weighted Average Rate: 25 to 36 months	0.96%
Weighted Average Rate: 37 to 48 months	1.90%
Weighted Average Rate: 49 to 60 months	1.68%
Weighted Average Rate: Over 60 months	1.68%
Weighted Average Rate Total FHLB Advances	1.75%

Borrowed Funds (Schedule of F_2

Borrowed Funds (Schedule of Federal Home Loan Bank Advances used in Swap Contracts) (Details) $ in Thousands	Dec. 31, 2019USD ($)
FHLB Short-term Debt [Line Items]
FHLB advances maturing in 12 months or less with effective maturities	$ 3,419,603
FHLB advances under SWAP contracts, average interest rate	1.75%
Interest Rate Swap
FHLB Short-term Debt [Line Items]
FHLB advances maturing in 12 months or less with effective maturities	$ 2,800,000
FHLB advances under SWAP contracts, average interest rate	1.91%
Interest Rate Swap | Effective Maturity 12 months or less
FHLB Short-term Debt [Line Items]
FHLB advances maturing in 12 months or less with effective maturities	$ 125,000
FHLB advances under SWAP contracts, average interest rate	1.25%
Interest Rate Swap | Effective Maturity 13 to 24 months
FHLB Short-term Debt [Line Items]
FHLB advances maturing in 12 months or less with effective maturities	$ 550,000
FHLB advances under SWAP contracts, average interest rate	1.27%
Interest Rate Swap | Effective Maturity 25 to 36 months
FHLB Short-term Debt [Line Items]
FHLB advances maturing in 12 months or less with effective maturities	$ 875,000
FHLB advances under SWAP contracts, average interest rate	1.94%
Interest Rate Swap | Effective Maturity 37 to 48 months
FHLB Short-term Debt [Line Items]
FHLB advances maturing in 12 months or less with effective maturities	$ 175,000
FHLB advances under SWAP contracts, average interest rate	2.66%
Interest Rate Swap | Effective Maturity 49 to 60 months
FHLB Short-term Debt [Line Items]
FHLB advances maturing in 12 months or less with effective maturities	$ 275,000
FHLB advances under SWAP contracts, average interest rate	1.69%
Interest Rate Swap | Effective Maturity Over 60 months
FHLB Short-term Debt [Line Items]
FHLB advances maturing in 12 months or less with effective maturities	$ 800,000
FHLB advances under SWAP contracts, average interest rate	2.34%

Borrowed Funds (Narrative) (Fed

Borrowed Funds (Narrative) (Federal Home Loan Bank Advances) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2016
FHLB Short-term Debt [Line Items]
Fixed-rate FHLB advances repaid during fiscal year 2016			$ 150,000
Unamortized deferred repayment penalties being recognized over the remaining term of swap contracts	$ 413
Federal Home Loan Bank Advances
FHLB Short-term Debt [Line Items]
Net Interest Expense, Short-term Borrowings	$ 14,295	$ 14,246

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Accumulated Other Comprehensive Income (Loss) by Component) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 1,696,754	$ 1,758,404
Other comprehensive income (loss)	18,580	(21,461)
Balance	1,728,949	1,743,780
Unrealized gain (losses) on securities available for sale
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(2,165)	(13,624)
Other comprehensive loss before reclassifications, net of tax	2,923	5,097
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	0	0
Other comprehensive income (loss)	2,923	5,097
Balance	758	(8,527)
Cash Flow Hedges
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(44,915)	51,914
Other comprehensive loss before reclassifications, net of tax	15,972	(24,500)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(767)	(2,322)
Other comprehensive income (loss)	15,205	(26,822)
Balance	(29,710)	25,092
Defined Benefit Plan
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(22,299)	(15,068)
Other comprehensive loss before reclassifications, net of tax	0	0
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	452	264
Other comprehensive income (loss)	452	264
Balance	(21,847)	(14,804)
Total
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(69,379)	23,222
Other comprehensive loss before reclassifications, net of tax	18,895	(19,403)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(315)	(2,058)
Other comprehensive income (loss)	18,580	(21,461)
Balance	$ (50,799)	$ 1,761

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Reclassification out of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands		3 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Income tax expense (benefit)		$ 6,153	$ 6,175
Net of income tax expense (benefit)		(25,225)	(19,961)
Reclassification out of Accumulated Other Comprehensive Income
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest		315	2,058
Reclassification out of Accumulated Other Comprehensive Income | Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Income tax expense (benefit)		204	617
Net of income tax expense (benefit)		(767)	(2,322)
Reclassification out of Accumulated Other Comprehensive Income | Actuarial Loss
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Nonoperating Income (Expense)	[1]	(572)	(334)
Reclassification out of Accumulated Other Comprehensive Income | Defined Benefit Plan
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Income tax expense (benefit)		(120)	(70)
Net of income tax expense (benefit)		452	264
Interest Rate Contract [Member] | Reclassification out of Accumulated Other Comprehensive Income | Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest (income) expense, effective portion		$ (971)	$ (2,939)
[1]	This item is included in the computation of net periodic pension cost. See Note 10. Defined Benefit Plan for additional disclosure.

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details)	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Combined federal and state effective income tax rate	19.40%	23.30%

Defined Benefit Plan (Component

Defined Benefit Plan (Components Of Net Periodic Benefit Cost Recognized) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Retirement Benefits [Abstract]
Interest cost	$ 699	$ 807
Expected return on plan assets	(1,163)	(1,146)
Amortization of net loss	572	334
Net periodic cost (benefit)	$ 108	$ (5)

Defined Benefit Plan (Narrative

Defined Benefit Plan (Narrative) (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)
Retirement Benefits [Abstract]
Required minimum contribution	$ 0
Defined Benefit Plan, Plan Assets, Contributions by Employer	2,000
Minimum employer contributions expected during the remainder of the fiscal year.	$ 0

Equity Incentive Plan (Narrativ

Equity Incentive Plan (Narrative) (Details) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended
	Dec. 31, 2019USD ($)$ / sharesshares	Dec. 31, 2019USD ($)$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares subject to options (in shares)	3,849,700	3,849,700
Weighted average exercise price per share | $ / shares	$ 13.94	$ 13.94
Weighted average grant date fair value (in dollars per share) | $ / shares	$ 2.61
Non-vested options outstanding	600,780	600,780
Expected future expense related to non-vested options outstanding | $	$ 417	$ 417
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares approved restricted stock and performance stock units	73,700
Expected future expense related to non-vested options outstanding, weighted average years	1 year 7 months 6 days
Restricted stock and performance stock units, non-vested	542,276	542,276
Restricted stock and performance stock units, non-vested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 15.60	$ 15.60
Restricted stock units and performance stock units outstanding	1,312,873	1,312,873
Expected future compensation expense related to restricted stock and performance stock units outstanding | $	$ 4,012	$ 4,012
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares approved restricted stock and performance stock units	51,800
Expected future expense related to non-vested options outstanding, weighted average years	1 year 10 months 24 days
Restricted stock and performance stock units, non-vested	116,300	116,300
Restricted stock and performance stock units, non-vested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 17.42	$ 17.42
Restricted stock units and performance stock units outstanding	116,300	116,300
Expected future compensation expense related to restricted stock and performance stock units outstanding | $	$ 1,472	$ 1,472
Employee Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected future expense related to non-vested options outstanding, weighted average years		9 months 18 days

Equity Incentive Plan Equity _2

Equity Incentive Plan Equity Incentive Plan (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	$ 1,189	$ 1,081
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	860	844
Employee Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	188	237
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	$ 141	$ 0

Commitments And Contingent Li_3

Commitments And Contingent Liabilities (Narrative) (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)
Unfunded Commitments, Equity Lines of Credit Including Suspended Accounts
Unfunded And Commitments To Originate [Line Items]
Unfunded commitments on home equity lines of credit (including commitments for suspended accounts)	$ 2,310,802
Minimum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration of commitments to extend credit (in days)	60 days
Home equity line of credit unfunded commitments expiration, years	5 years
Maximum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration of commitments to extend credit (in days)	360 days
Home equity line of credit unfunded commitments expiration, years	10 years

Commitments And Contingent Li_4

Commitments And Contingent Liabilities (Schedule of Off Balance Sheet Risks) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Commitments To Originate
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	$ 586,439
Commitments To Originate Fixed-Rate Mortgage Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	196,382
Commitments To Originate Adjustable-Rate Mortgage Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	266,517
Commitments To Originate Equity Loans and Lines of Credit Including Bridge Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	123,540
Unfunded Commitments
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	2,326,983
Unfunded Commitments Equity Lines of Credit
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	2,298,011
Unfunded Commitments Construction Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	$ 28,972

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	$ 9,670	$ 3,706
Available-for-sale Securities	553,997	547,864
Performing troubled debt restructurings individually evaluated for impairment	163,249	170,473
Real estate owned, net	2,813	2,163
Cost to dispose related to properties measured at fair value included in Consolidated Statements of Condition	313	146
Present Value of Cash Flows | Troubled Debt Restructuring | Performing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Allowance on performing troubled debt restructurings individually evaluated for impairment based on the present value of cash flows	13,437	13,399
Subject To Pending Agency Contracts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	0	0
Portion at Other than Fair Value | Present Value of Cash Flows | Troubled Debt Restructuring | Performing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Performing troubled debt restructurings individually evaluated for impairment	98,227	98,875
Allowance on performing troubled debt restructurings individually evaluated for impairment based on the present value of cash flows	13,437	13,399
Portion at Other than Fair Value | Original Or Adjusted Cost Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real estate owned, net	725	1,322
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	9,670	3,706
Available-for-sale Securities	553,997	547,864
Fair Value, Inputs, Level 2 | Portion at Other than Fair Value | Carried At Cost
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	9,608	3,666
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	0	0
Available-for-sale Securities	0	0
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Liabilities carried at fair value	0	0
Fair Value, Measurements, Recurring | Fair Value, Inputs, Level 2 | U.S. Government Obligations | Market Approach Valuation Technique
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	553,997	547,864
Fair Value, Measurements, Nonrecurring | Fair Value, Inputs, Level 3 | Market Approach Valuation Technique
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real estate owned, net	$ 2,401	$ 987

Fair Value (Fair Value Of Asset

Fair Value (Fair Value Of Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Assets:
Available-for-sale Securities	$ 553,997	$ 547,864
Derivative	54	44
REMIC's
Assets:
Available-for-sale Securities	547,342	541,042
Fannie Mae Certificates
Assets:
Available-for-sale Securities	6,655	6,822
Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets:
Available-for-sale Securities	0	0
Derivative	0	0
Significant Other Observable Inputs (Level 2)
Assets:
Available-for-sale Securities	553,997	547,864
Derivative	0	0
Significant Unobservable Inputs (Level 3)
Assets:
Available-for-sale Securities	0	0
Derivative	54	44
Fair Value, Measurements, Recurring
Assets:
Total	554,051	547,908
Liabilities:
Total	0	0
Fair Value, Measurements, Recurring | Interest Rate Lock Commitments
Assets:
Derivative	54	44
Fair Value, Measurements, Recurring | REMIC's
Assets:
Available-for-sale Securities	547,342	541,042
Fair Value, Measurements, Recurring | Fannie Mae Certificates
Assets:
Available-for-sale Securities	6,655	6,822
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets:
Total	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Assets:
Derivative	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | REMIC's
Assets:
Available-for-sale Securities	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Fannie Mae Certificates
Assets:
Available-for-sale Securities	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Assets:
Total	553,997	547,864
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Assets:
Derivative	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | REMIC's
Assets:
Available-for-sale Securities	547,342	541,042
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fannie Mae Certificates
Assets:
Available-for-sale Securities	6,655	6,822
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Assets:
Total	54	44
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Assets:
Derivative	54	44
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | REMIC's
Assets:
Available-for-sale Securities	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fannie Mae Certificates
Assets:
Available-for-sale Securities	$ 0	$ 0

Fair Value (Fair Value Assets A

Fair Value (Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input Reconciliation) (Details) - Fair Value, Inputs, Level 3 - Interest Rate Lock Commitments - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 44	$ (2)
Gain (loss) during the period due to changes in fair value:
Ending balance	54	77
Change in unrealized gains for the period included in earnings for assets held at the end of the reporting date	54	77
Other Income
Gain (loss) during the period due to changes in fair value:
Included in other non-interest income	$ 10	$ 79

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Sep. 30, 2019
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total		$ 67,422	$ 72,479
Fair Value, Measurements, Nonrecurring | Impaired Loans, Net of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total		65,021	71,492
Fair Value, Measurements, Nonrecurring | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	[1]	2,401	987
Fair Value, Measurements, Nonrecurring | Quoted Prices In Active Markets For Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total		0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Impaired Loans, Net of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total		0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	[1]	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total		0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Impaired Loans, Net of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total		0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	[1]	0	0
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total		67,422	72,479
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	[1]	2,401	987
Measurement Input, Discounted Appraised Value | Collateral Value | Significant Unobservable Inputs (Level 3) | Impaired Loans, Net of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total		$ 65,021	$ 71,492
[1]	(1) Amounts represent fair value measurements of properties before deducting estimated costs to dispose.

Fair Value (Quantitative Inform

Fair Value (Quantitative Information About Significant Unobservable Inputs Categorized Within Level 3 Of The Fair Value Hierarchy) (Details) - Fair Value, Inputs, Level 3 $ in Thousands	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)
Collateral Value | Measurement Input, Discounted Appraised Value | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, impaired loans, net of allowance	0	0
Collateral Value | Measurement Input, Discounted Appraised Value | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, impaired loans, net of allowance	0.30	0.30
Collateral Value | Measurement Input, Discounted Appraised Value | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, impaired loans, net of allowance	0.062	0.061
Collateral Value | Measurement Input, Discounted Appraised Value | Impaired Loans, Net of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 65,021	$ 71,492
Secondary Market Pricing | Measurement Input, Closure Rate | Interest Rate Lock Commitments | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments	0	0
Secondary Market Pricing | Measurement Input, Closure Rate | Interest Rate Lock Commitments | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments	1	1
Secondary Market Pricing | Measurement Input, Closure Rate | Interest Rate Lock Commitments | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments	0.583	0.656
Secondary Market Pricing | Measurement Input, Closure Rate | Interest Rate Lock Commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 54	$ 44

Fair Value (Estimated Fair Valu

Fair Value (Estimated Fair Value Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Assets:
Available-for-sale Securities	$ 553,997	$ 547,864
Mortgage loans held for sale	9,670	3,706
Federal Home Loan Bank stock	101,858	101,858
Cash collateral received from or held by counterparty	35,988	44,261
Derivative	54	44
Liabilities:
Borrowed funds	3,911,839	3,903,032
Checking and Passbook Accounts
Liabilities:
Deposits	2,396,312	2,346,847
Certificates of Deposit
Liabilities:
Deposits	6,604,974	6,541,791
Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	99,391	103,328
Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	31,503	32,909
Cash and Due From Banks
Assets:
Cash and Cash Equivalents	25,935	31,728
Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	255,291	243,415
Total real estate loans
Assets:
Loans, net	13,597,535	13,716,398
Other Loans
Assets:
Loans, net	2,918	3,328
Accrued Interest Receivable
Assets:
Accrued interest receivable	40,222	40,822
Fair Value, Inputs, Level 1
Assets:
Available-for-sale Securities	0	0
Mortgage loans held for sale	0	0
Cash collateral received from or held by counterparty	35,988	44,261
Derivative	0	0
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 1 | Checking and Passbook Accounts
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 1 | Certificates of Deposit
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 1 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 1 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 1 | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	25,935	31,728
Fair Value, Inputs, Level 1 | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	255,291	243,415
Fair Value, Inputs, Level 1 | Total real estate loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Other Loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Accrued Interest Receivable
Assets:
Accrued interest receivable	0	0
Fair Value, Inputs, Level 2
Assets:
Available-for-sale Securities	553,997	547,864
Mortgage loans held for sale	9,670	3,706
Federal Home Loan Bank stock	0	0
Cash collateral received from or held by counterparty	0	0
Derivative	0	0
Liabilities:
Borrowed funds	3,911,839	3,903,032
Fair Value, Inputs, Level 2 | Checking and Passbook Accounts
Liabilities:
Deposits	2,396,312	2,346,847
Fair Value, Inputs, Level 2 | Certificates of Deposit
Liabilities:
Deposits	6,604,974	6,541,791
Fair Value, Inputs, Level 2 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	99,391	103,328
Fair Value, Inputs, Level 2 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	31,503	32,909
Fair Value, Inputs, Level 2 | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 2 | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 2 | Total real estate loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Other Loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Accrued Interest Receivable
Assets:
Accrued interest receivable	40,222	40,822
Fair Value, Inputs, Level 3
Assets:
Available-for-sale Securities	0	0
Mortgage loans held for sale	0	0
Federal Home Loan Bank stock	0	0
Cash collateral received from or held by counterparty	0	0
Derivative	54	44
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 3 | Checking and Passbook Accounts
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 3 | Certificates of Deposit
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 3 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 3 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 3 | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 3 | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 3 | Total real estate loans
Assets:
Loans, net	13,597,535	13,716,398
Fair Value, Inputs, Level 3 | Other Loans
Assets:
Loans, net	2,918	3,328
Fair Value, Inputs, Level 3 | Accrued Interest Receivable
Assets:
Accrued interest receivable	0	0
Carrying Amount
Assets:
Available-for-sale Securities	553,997	547,864
Mortgage loans held for sale	9,608	3,666
Federal Home Loan Bank stock	101,858	101,858
Cash collateral received from or held by counterparty	35,988	44,261
Derivative	54	44
Liabilities:
Borrowed funds	3,889,649	3,902,981
Carrying Amount | Checking and Passbook Accounts
Liabilities:
Deposits	2,396,312	2,346,847
Carrying Amount | Certificates of Deposit
Liabilities:
Deposits	6,604,608	6,419,537
Carrying Amount | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	99,391	103,328
Carrying Amount | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	31,503	32,909
Carrying Amount | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	25,935	31,728
Carrying Amount | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	255,291	243,415
Carrying Amount | Total real estate loans
Assets:
Loans, net	13,464,872	13,192,579
Carrying Amount | Other Loans
Assets:
Loans, net	2,900	3,166
Carrying Amount | Accrued Interest Receivable
Assets:
Accrued interest receivable	$ 40,222	$ 40,822

Derivative Instruments (Narrati

Derivative Instruments (Narrative) (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2019USD ($)contracts	Sep. 30, 2019USD ($)contracts
Derivative [Line Items]
Estimated amount to be reclassed in the next 12 months as an increase to expense	$ 5,291
Not Designated as Hedging Instrument | Forward Commitments For Sale Of Mortgage Loans [Member]
Derivative [Line Items]
Derivative, number of instruments held | contracts	0	0
Not Designated as Hedging Instrument | Interest Rate Lock Commitments
Derivative [Line Items]
Fair Value	$ 54	$ 44
Cash Flow Hedge | Designated as Hedging Instrument | Interest Rate Swap
Derivative [Line Items]
Derivative, weighted average terms	3 years 6 months	3 years 8 months 12 days
Derivative, weighted average fixed-rate interest payments	1.91%	1.92%
Fair Value	$ 0	$ 0

Derivative Instruments (Schedul

Derivative Instruments (Schedule Of Derivative Instruments In Statement Of Financial Position, Fair Value) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Not Designated as Hedging Instrument | Interest Rate Lock Commitments
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	$ 9,284	$ 10,358
Fair Value	54	44
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	9,284	10,358
Fair Value	54	44
Cash Flow Hedge | Designated as Hedging Instrument | Interest Rate Swap
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	2,800,000	2,750,000
Fair Value	0	0
Cash Flow Hedge | Designated as Hedging Instrument | Interest Rate Swap | Other Assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	1,000,000	825,000
Fair Value	0	0
Cash Flow Hedge | Designated as Hedging Instrument | Interest Rate Swap | Other Liabilities
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	1,800,000	1,925,000
Fair Value	$ 0	$ 0

Derivative Instruments (Sched_2

Derivative Instruments (Schedule Of Effect Of Derivative Instruments, Gain (Loss) In Statement Of Financial Performance) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Designated as Hedging Instrument | Cash Flow Hedge | Interest Expense
Derivatives, Fair Value [Line Items]
Amount of gain/(loss) reclassified from AOCI	$ 971	$ 2,939
Designated as Hedging Instrument | Cash Flow Hedge | Other Comprehensive Income (Loss)
Derivatives, Fair Value [Line Items]
Amount of Gain (Loss) Recognized, Effective Portion	20,218	(31,013)
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Income
Derivatives, Fair Value [Line Items]
Total	$ 10	$ 79