TFS Financial (TFSL) 10-K 22 Nov 22 2022 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Nov. 18, 2022
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 30, 2022
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
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	TFSL
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
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
Entity Public Float	$ 868,430
Entity Common Stock, Shares Outstanding		280,407,741
Entity Central Index Key	0001381668
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Amendment Flag	false
ICFR Auditor Attestation Flag	true
Auditor Name	Deloitte & Touche LLP
Auditor Location	Cleveland, Ohio
Auditor Firm ID	34

Consolidated Statements Of Cond

Consolidated Statements Of Condition - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
ASSETS
Cash and due from banks	$ 18,961	$ 27,346
Other interest-earning cash equivalents	350,603	460,980
Cash and cash equivalents	369,564	488,326
Investment securities available-for-sale	457,908	421,783
Mortgage loans held for sale	9,661	8,848
Loans
Deferred loan expenses, net	50,221	44,859
Allowance for loan losses	(72,895)	(64,289)
Loans, net	14,257,067	12,509,035
Mortgage loan servicing assets, net	7,943	8,941
Federal Home Loan Bank stock, at cost	212,290	162,783
Real estate owned, net	1,191	289
Premises, equipment, and software, net	34,531	37,420
Accrued interest receivable	40,256	31,107
Bank owned life insurance contracts	304,040	297,332
Other assets	95,428	91,586
TOTAL ASSETS	$ 15,789,879	$ 14,057,450
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
Treasury stock, shares	51,736,009	51,557,451
Common stock, par value	$ 0.01	$ 0.01
Line of Credit Facility, Current Borrowing Capacity, Including Accrued Interest	$ 4,793,221	$ 3,091,815
LIABILITIES AND SHAREHOLDERS' EQUITY
Total deposits	8,921,017	8,993,605
Borrowers' advances for insurance and taxes	117,250	109,633
Principal, Interest, And Related Escrow Owed On Loans Serviced	29,913	41,476
Accrued expenses and other liabilities	84,139	88,641
Total liabilities	13,945,540	12,325,170
Commitments and contingent liabilities
Preferred stock	0	0
Common stock	3,323	3,323
Paid-in capital	1,751,223	1,746,887
Treasury stock	(771,986)	(768,035)
Unallocated ESOP shares	(31,417)	(35,751)
Retained earnings - substantially restricted	870,047	853,657
Accumulated other comprehensive loss	23,149	(67,801)
Total shareholders' equity	1,844,339	1,732,280
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	15,789,879	14,057,450
Mortgage Receivable
Loans
Loans, gross	14,276,478	12,525,687
Other Loans
Loans
Loans, gross	$ 3,263	$ 2,778

Consolidated Statements Of Co_2

Consolidated Statements Of Condition (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Statement of Financial Position [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	$ 501,597	$ 420,542
Mortgage loans held for sale	$ 9,661	$ 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	280,582,741	280,761,299
Treasury stock, shares	51,736,009	51,557,451

Consolidated Statements Of Inco

Consolidated Statements Of Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$ 395,691	$ 381,887	$ 440,697
Investment securities available for sale	5,501	3,822	9,707
Other interest and dividend earning assets	8,141	3,642	4,894
Total interest and dividend income	409,333	389,351	455,298
INTEREST EXPENSE:
Deposits	76,943	97,319	140,242
Borrowed funds	64,994	60,402	72,788
Total interest expense	141,937	157,721	213,030
Net interest income	267,396	231,630	242,268
Provision (credit) for loan losses	1,000	(9,000)	3,000
Net interest income after provision for loan losses	266,396	240,630	239,268
NON-INTEREST INCOME
Net gain on the sale of loans	1,136	33,082	28,443
Increase in and death benefits from bank owned life insurance contracts	9,984	9,961	7,153
Other	2,750	2,654	8,857
Total non-interest income	23,804	55,299	53,251
NON-INTEREST EXPENSE
Salaries and employee benefits	109,339	108,867	104,008
Marketing services	21,263	19,174	16,512
Office property, equipment and software	26,783	25,710	25,296
Federal insurance premium and assessments	9,361	9,085	10,625
State franchise tax	4,859	4,663	4,690
Other expenses	26,541	28,336	31,143
Total non-interest expense	198,146	195,835	192,274
Income before income taxes	92,054	100,094	100,245
Income tax expense	17,489	19,087	16,928
Net income	$ 74,565	$ 81,007	$ 83,317
Earnings per share
Earnings per share - Basic	$ 0.26	$ 0.29	$ 0.30
Earnings per share - Diluted	$ 0.26	$ 0.29	$ 0.29
Weighted average shares outstanding
Basic	277,370,762	276,694,594	275,859,660
Diluted	278,686,365	278,576,254	277,803,058
Banking
NON-INTEREST INCOME
Fees and service charges, net of amortization	$ 9,934	$ 9,602	$ 8,798

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income Statement - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Net income	$ 74,565	$ 81,007	$ 83,317
Other comprehensive income (loss), net of tax:
Net change in unrealized loss on securities available for sale	(34,860)	(3,733)	6,859
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent	127,093	56,096	(69,391)
Change in pension obligation	(1,283)	11,801	(54)
Other comprehensive income (loss)	90,950	64,164	(62,586)
Total comprehensive income	$ 165,515	$ 145,171	$ 20,731

Consolidated Statements Of Shar

Consolidated Statements Of Shareholders' Equity - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Common Stock	Paid-In Capital	Treasury Stock	Unallocated Common Stock Held By ESOP	Retained Earnings	Retained Earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated Other Comprehensive Income (Loss)
Balance at Sep. 30, 2019	$ 1,696,754		$ 3,323	$ 1,734,154	$ (764,589)	$ (44,417)	$ 837,662		$ (69,379)
Comprehensive Income
Net income	83,317						83,317
Other comprehensive loss, net of tax	(62,586)						0		(62,586)
ESOP shares allocated or committed to be released	7,366			3,033		4,333
Compensation costs for stock-based plans	4,751			4,751			0
Purchase of treasury stock	(377)				(377)
Treasury stock allocated to restricted stock plan	(1,907)			776	(2,683)		0
Dividends paid to common shareholders	(55,465)						(55,465)
Balance at Sep. 30, 2020	1,671,853		3,323	1,742,714	(767,649)	(40,084)	865,514		(131,965)
Comprehensive Income
Net income	81,007						81,007
Other comprehensive loss, net of tax	64,164						0		64,164
ESOP shares allocated or committed to be released	8,269			3,936		4,333
Compensation costs for stock-based plans	5,442			5,442			0
Treasury stock allocated to restricted stock plan	(5,591)			(5,205)	(386)		0
Dividends paid to common shareholders	(57,101)						(57,101)
Balance at Sep. 30, 2021	1,732,280		3,323	1,746,887	(768,035)	(35,751)	853,657		(67,801)
Balance (Accounting Standards Update 2016-13) at Sep. 30, 2021		$ (35,763)						$ (35,763)
Comprehensive Income
Net income	74,565						74,565
Other comprehensive loss, net of tax	90,950						0		90,950
ESOP shares allocated or committed to be released	7,063			2,729		4,334
Compensation costs for stock-based plans	3,946			3,946			0
Purchase of treasury stock	(5,049)				(5,049)
Treasury stock allocated to restricted stock plan	(1,241)			(2,339)	1,098		0
Dividends paid to common shareholders	(58,175)						(58,175)
Balance at Sep. 30, 2022	$ 1,844,339		$ 3,323	$ 1,751,223	$ (771,986)	$ (31,417)	$ 870,047		$ 23,149

Consolidated Statements Of Sh_2

Consolidated Statements Of Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Statement of Stockholders' Equity [Abstract]
Purchase of treasury stock (shares)	337,259		20,500
Dividends paid to common shareholders, per common share	$ 1.13	$ 1.1225	$ 1.11

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 74,565	$ 81,007	$ 83,317
Adjustments to reconcile net income to net cash provided by operating activities:
ESOP and stock-based compensation expense	11,009	13,711	12,117
Depreciation and amortization	27,035	32,568	32,820
Deferred income taxes	(26,876)	(14,249)	21,802
Provision (credit) for loan losses	1,000	(9,000)	3,000
Net gain on the sale of loans	(1,136)	(33,082)	(28,443)
Net gain on sale of commercial property	(181)	0	(4,665)
Other net (gains) losses	810	689	(955)
Principal repayments on and proceeds from sales of loans held for sale	41,495	63,913	62,398
Loans originated for sale	(66,162)	(67,024)	(60,256)
Increase in cash surrender value for bank owned life insurance contracts	(8,432)	(7,979)	(6,289)
Net (increase) decrease in interest receivable and other assets	(13,043)	7,697	(17,970)
Net (decrease) increase in accrued expenses and other liabilities	(1,155)	14,904	24,922
Net cash provided by operating activities	38,929	83,155	121,798
CASH FLOWS FROM INVESTING ACTIVITIES:
Loans Originated	(5,273,730)	(4,874,761)	(4,255,580)
Principal repayments on loans	3,447,529	4,756,761	3,549,803
Proceeds from principal repayments and maturities of:
Securities available for sale	163,568	317,066	268,565
Proceeds from sale of:
Loans	87,671	739,699	765,874
Real estate owned	429	206	3,679
Premises, equipment and other assets	389	0	23,920
Purchases of:
Bank-owned life insurance	0	(70,000)	0
FHLB stock	(49,507)	(25,990)	(34,935)
Payments to Acquire Debt Securities, Available-for-Sale	(250,022)	(297,466)	(171,464)
Premises, equipment, and software, net	(2,700)	(1,337)	(3,207)
Other	1,278	3,178	921
Net Cash Provided by (Used in) Investing Activities	(1,875,095)	547,356	147,576
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in deposits	(72,511)	(231,949)	459,170
Net increase (decrease) in borrowers' advances for insurance and taxes	7,617	(1,903)	8,208
Net (decrease) increase in principal and interest owed on loans serviced	(11,563)	(4,419)	12,986
Fair Value of Plan Assets	875,000	(525,000)	(281,126)
Increase (Decrease) in Federal Funds Purchased	225,000	0	0
Proceeds from long-term borrowed funds	600,000	100,000	250,000
Repayment of long-term borrowed funds	(3,646)	(4,689)	(350,110)
Cash collateral/settlements received from (provided to) derivative counterparties	162,094	89,970	(87,827)
Acquisition of treasury shares	(6,290)	(5,591)	(2,320)
Dividends paid to common shareholders	(58,297)	(56,637)	(55,465)
Net cash provided (used in) by financing activities	1,717,404	(640,218)	(46,484)
Cash and cash equivalents—beginning of year	488,326	498,033	275,143
Cash and cash equivalents—end of year	369,564	488,326	498,033
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
cash paid (received) for interest on interest rate swaps	29,138	45,031	18,436
Cash paid for income taxes	39,602	25,772	1,673
SUPPLEMENTAL SCHEDULES OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Transfer of loans to real estate owned	1,283	330	1,751
Transfer of loans from held for investment to held for sale	86,077	698,917	778,059
Transfer of Loans Held-for-sale to Portfolio Loans	22,741	0	0
Treasury Stock Issued For Stock Benefit Plans	2,412	5,310	776
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(118,762)	(9,707)	222,890
Deposits
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	76,558	98,535	140,887
Borrowed Funds
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	$ 37,120	$ 16,043	$ 53,676

Description Of Business And Sum

Description Of Business And Summary Of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2022
Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	DESCRIPTION OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business —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 other financial services. Third Federal Savings and Loan Association of Cleveland, MHC, its federally chartered mutual holding company parent, owned 80.95% of the outstanding shares of common stock of the Company at September 30, 2022. The Company’s primary operating subsidiaries include the Association and Third Capital, Inc. The Association is a federal savings association, which provides retail loan and savings products to its customers in Ohio and Florida, through its 37 full-service branches, five loan production offices, customer service call center and internet site. The Association also provides savings products, purchase mortgages, first mortgage refinance loans, home equity lines of credit, and home equity loans in states outside of its branch footprint. The Association also acquires first mortgage loans through a correspondent lending partnership. Third Capital, Inc. was formed to hold non-thrift investments and subsidiaries, which included 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, for which the Company recorded pre-tax income of $4,665 in 2020, representing its share of the gain on sale. The accounting and reporting policies of TFS Financial Corporation and its subsidiaries conform to accounting principles generally accepted in the United States of America and to general practices within the thrift industry. No material subsequent events have occurred requiring recognition in the consolidated financial statements or disclosure in the notes to the consolidated financial statements. The following is a description of the significant accounting and reporting policies, which the Company follows in preparing and presenting its consolidated financial statements. Basis of Consolidation and Reporting —The consolidated financial statements of the Company include the accounts of TFS Financial Corporation and its wholly owned subsidiaries. Intercompany balances and transactions have been eliminated in consolidation. Estimates —The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. Cash and Cash Equivalents —Cash and cash equivalents consist of working cash on hand, and demand and interest bearing deposits at other financial institutions with maturities of three months or less. For purposes of reporting cash flows, cash and cash equivalents also includes federal funds sold, when applicable. The Company has acknowledged informal agreements with banks where it maintains deposits. Under these agreements, service fees charged to the Company are waived provided certain average compensating balances are maintained throughout each month. Investment Securities —Our fixed-maturity securities are accounted for on an available-for-sale basis. Securities held as available-for-sale are reported at fair value, with the corresponding unrealized gains and (losses), net of deferred income taxes, reported in accumulated other comprehensive income. Management determines the appropriate classification of investment securities based on its intent and ability to hold at the time of purchase. Purchases of securities are accounted for on a trade-date or settlement-date bases, depending on the settlement terms. Realized gains and (losses) on securities are computed on a specific identification basis. Realized gains and (losses) also include changes in fair value on derivatives not designated as hedging instruments. Sales of securities are accounted for on a trade-date or settlement-date basis, depending on the settlement terms. A decline in the fair value of any available for sale security, below cost, is evaluated for credit loss. Credit loss is recognized in earnings if management intends, or will more likely than not be required, to sell the security before the recovery of its amortized cost basis. If the present value of cash flows expected to be collected is less than the amortized cost basis of the security, then a credit loss exists and an allowance would be recognized as a credit loss expense, limited to the difference between fair value and amortized cost. Non-credit related loss is recognized in other comprehensive income, net of applicable deferred income taxes. To determine whether a credit loss exists, the Company considers, among other things, adverse conditions related to the security, industry, geographic area, the payment schedule of the debt security and likelihood that the issuer will be able to make payments that increase in the future, failure of the issuer to make scheduled payments and all available information relevant to the securities collectability, changes in ratings assigned by a rating agency, and other credit enhancements that affect the securities expected performance. Investment income consist of interest and accretion (net of amortization). Interest is recognized on an accrual basis using the level-yield method. Premiums and discounts are amortized using the level-yield method. Derivative Instruments —Derivative instruments are carried at fair value in the Company's financial statements. For derivative instruments that are designated and qualify as cash flow hedges, changes in the fair value of the derivative instrument are reported as a component of other comprehensive income, net of tax, and reclassified into earnings in the same period during which the hedged transaction affects earnings. The earnings effect of the hedging instrument will be presented in the same income statement line item as the earnings effect of the hedged item. Accumulated other comprehensive income will be adjusted to a balance that reflects the cumulative change in the fair value of the hedging instrument. At the inception of a hedge, the Company documents certain items, including the relationship between the hedging instrument and the hedged item, the risk management objective and the nature of the risk being hedged, a description of how effectiveness will be measured, an evaluation of hedge transaction effectiveness and the benchmark interest rate or contractually specified interest rate being hedged. Hedge accounting is discontinued prospectively when (1) a derivative is no longer highly effective in offsetting changes in the fair value or cash flow of a hedged item, (2) a derivative expires or is sold, (3) a derivative is de-designated as a hedge, because it is unlikely that a forecasted transaction will occur, or (4) it is determined that designation of a derivative as a hedge is no longer appropriate. When hedge accounting is discontinued, the Company would continue to carry the derivative on the statement of condition at its fair value; however, changes in its fair value would be recorded in earnings instead of through OCI. For derivative instruments not designated as hedging instruments, the Company recognizes gains and (losses) on the derivative instrument in current earnings during the period of change. Mortgage Banking Activity —Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Mortgage loans included in pending agency contracts to sell and securitize loans are carried at fair value. Fair value is based on quoted secondary market pricing for loan portfolios with similar characteristics and includes consideration of deferred fees (costs). Net unrealized gains or losses on loans carried at fair value, are recognized in a valuation allowance by charges to income. The Company retains servicing on loans that are sold and initially recognizes an asset for mortgage loan servicing rights based on the fair value of the servicing rights. Residential mortgage loans represent the single class of servicing rights and are measured at the lower of cost or fair value on a recurring basis. Mortgage loan servicing rights are reported net of accumulated amortization, which is recorded in proportion to, and over the period of, estimated net servicing revenues. The Company monitors prepayments and changes amortization of mortgage servicing rights accordingly. Fair values are estimated using discounted cash flows based on current interest rates and prepayment assumptions, and impairment is monitored each quarterly reporting period. The impairment analysis is based on predominant risk characteristics of the loans serviced, such as type, fixed- and adjustable-rate loans, original terms and interest rates. The amount of impairment recognized is the amount by which the mortgage loan servicing assets exceed their fair value. Servicing fee income net of amortization and other loan fees collected on loans serviced for others are included in Fees and service charges, net of amortization on the CONSOLIDATED STATEMENTS OF INCOME . Loans and Related Deferred Loan Expenses, net —Loans originated with the intent to hold into the foreseeable future are carried at unpaid principal balances adjusted for partial charge-offs, the allowance for credit losses and net deferred loan expenses. Interest on loans is accrued and credited to income as earned. Interest on loans is not recognized in income when collectability is uncertain. Loan fees and certain direct loan origination costs are deferred and recognized as an adjustment to interest income using the level-yield method over the contractual lives of related loans, if the loans are held for investment. If the loans are held for sale, net deferred fees (costs) are generally not amortized, but rather are recognized when the related loans are sold. Loans are classified as TDRs when the original contractual terms are restructured to provide a concession to a borrower experiencing financial difficulty under terms that would not otherwise be available and the restructuring is the result of an agreement between the Company and the borrower or is imposed by a court or law. Concessions granted in TDRs may include a reduction of the stated interest rate, a reduction or forbearance of principal, an extension of the maturity date, a significant delay in payments, the removal of one or more borrowers from the obligation, or any combination of these. Allowance for Credit Losses —The allowance for credit losses represents the estimate of lifetime losses in our loan portfolio and off-balance sheet commitments. The allowance for credit losses is assessed on a quarterly basis and provisions (releases) for credit losses are made accordingly. The allowance is established using relevant available information, relating to past events, current conditions and supportable economic forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Qualitative adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency status or likely recovery of previous loan charge-offs. The allowance for credit losses is increased by recoveries and decreased by charge-offs. Also, qualitative adjustments were made to reflect expected recovery of loan amounts previously charged-off, beyond what the model is able to project. For further discussion on the allowance for credit losses, non-accrual, impairment, and TDRs, see Note 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES . Real Estate Owned, net —Real estate owned, net represents real estate acquired through foreclosure or deed in lieu of foreclosure and is initially recorded at fair value, less estimated costs to sell. Subsequent to acquisition, real estate owned is carried at the lower of cost or fair value, less estimated selling costs. Management performs periodic valuations and a valuation allowance is established by a charge to income for any excess of the carrying value over the fair value, less estimated costs to sell the property. Recoveries in fair value during the holding period are recognized until the valuation allowance is reduced to zero. Costs related to holding and maintaining the property are charged to expense. Premises, Equipment, and Software, net —Depreciation and amortization of premises, equipment and software is computed on a straight-line basis over the estimated useful lives of the related assets. Estimated lives are 31.5 years for office facilities and three Leases —At inception, all contracts are evaluated to determine if the arrangement contains a lease based on the terms and conditions. As a lessee, the Company recognizes leases with terms greater than one year 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. For further discussion on leases, see Note 8. LEASES . Bank Owned Life Insurance Contracts —Life insurance is provided under both whole and split dollar life insurance agreements. Policy premiums were prepaid and the Company will recover the premiums paid from the proceeds of the policies. The Company recognizes death benefits and growth in the cash surrender value of the policies in other non-interest income. Goodwill —The excess of purchase price over the fair value of net assets of acquired companies is classified as goodwill and reported in Other Assets. Goodwill was $9,732 at September 30, 2022 and 2021. Goodwill is reviewed for impairment on an annual basis as of September 30. No impairment was identified as of September 30, 2022 or 2021. Taxes on Income —Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Additional information about policies related to income taxes is included in Note 12. INCOME TAXES . Deposits —Interest on deposits is accrued and charged to expense monthly and is paid or credited in accordance with the terms of the accounts. Treasury Stock— Acquisitions of treasury stock through stock repurchases are recorded at cost using the cost method of accounting. Repurchases may be made through open market purchases, block trades and in negotiated private transactions, subject to the availability of stock, general market conditions, the trading price of the stock, alternative uses for capital, and the Company’s financial performance. Repurchased shares will be available for general corporate purposes. Accumulated Other Comprehensive Income (Loss) —AOCI consists of changes in pension obligations, changes in unrealized gains (losses) on securities available for sale and cash flow hedges, each of which is net of the related income tax effects. The Company's policy is to release income tax effects from AOCI only when the entire portfolio to which the underlying transactions relate to is liquidated, sold or extinguished. Revenue from Contracts with Customers — The core principle of the guidance requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled to receive in exchange for those goods or services. Three of the Company's revenue streams within scope of Topic 606 are the sales of REO, interchange income and deposit account and other transaction-based service fee income. Those streams are immaterial and therefore quantitative information regarding these streams is not disclosed. Pension Benefits —The determination of our obligations and expense for pension benefits is dependent upon certain assumptions used in calculating such amounts. Key assumptions used in the actuarial valuations include the discount rate and expected long-term rate of return on plan assets. Actual results could differ from the assumptions and market driven rates may fluctuate. Significant differences in actual experience or significant changes in the assumptions could materially affect future pension obligations and expense. Share-Based Compensation —Compensation expense for awards of equity instruments is recognized on a straight-line basis over the requisite service period based on the grant date fair value estimated in accordance with the provisions of FASB ASC 718 “Compensation—Stock Compensation”. All vested equity instruments are settled in stock. Forfeitures are recognized as they occur. Share-based compensation expense is included in Salaries and employee benefits in the CONSOLIDATED STATEMENTS OF INCOME . Tax benefits or deficiencies recognized for the difference between realized deductions and cumulative book compensation cost on share-based compensation awards are included in operating cash flows on the CONSOLIDATED STATEMENTS OF CASH FLOW . The grant date fair value of stock options is estimated using the Black-Scholes option-pricing model using assumptions for the expected option term, expected stock price volatility, risk-free interest rate, and expected dividend yield. Due to limited historical data on exercise of share options, the simplified method is used to estimate expected option term. Marketing Costs —Marketing costs are expensed as incurred. Earnings per Share —Basic EPS is computed by dividing net income by the weighted-average number of shares of common stock outstanding. Outstanding shares include shares sold to subscribers, shares held by the Third Federal Foundation, shares of the Employee Stock Ownership Plan which have been allocated or committed to be released for allocation to participants, and shares held by Third Federal Savings, MHC. Unvested shares awarded in the Company's share-based compensation plan are treated as participating securities for purposes of the two-class method when they contain nonforfeitable rights to dividends, but are not included in the number of shares in the computation of basic EPS. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Diluted EPS is computed using the same method as basic EPS, but the weighted-average number of shares reflects the potential dilution, if any, of unexercised stock options, unvested shares of performance share units and unvested shares of restricted stock units that could occur if stock options were exercised and performance share units and restricted stock units were issued and converted into common stock. These potentially dilutive shares would then be included in the number of weighted-average shares outstanding for the period using the treasury stock method. At September 30, 2022, 2021 and 2020, potentially dilutive shares include stock options, restricted stock units and performance share units issued through share-based compensation plans.

Stock Transactions

Stock Transactions	12 Months Ended
	Sep. 30, 2022
Stock Transactions, Parenthetical Disclosure [Abstract]
Stock Transactions	STOCK TRANSACTIONSTFS Financial Corporation completed its initial public stock offering on April 20, 2007 and sold 100,199,618 shares, or 30.16% of its post-offering outstanding common stock, to subscribers in the offering. Third Federal Savings, MHC, the Company’s mutual holding company parent, holds 227,119,132 shares of TFS Financial Corporation’s outstanding common stock. TFS Financial Corporation issued 5,000,000 shares of common stock, or 1.50% of its post-offering outstanding common stock, to Third Federal Foundation.Pursuant to the eighth repurchase program for the repurchase of 10,000,000 shares authorized by the Board of Directors in October, 2016, 337,259 shares were repurchased during the year ended September 30, 2022, no shares were repurchased during the year ended September 30, 2021 and 20,500 shares were repurchased during the year ended September 30, 2020. At September 30, 2022, there were 5,553,820 shares remaining to be purchased under the eighth repurchase program. The Company previously repurchased 51,300,000 shares of the Company’s common stock as part of the previous seven Board of Directors-approved share repurchase programs. In total, the Company has repurchased 55,746,180 shares of the Company's common stock as of September 30, 2022.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Sep. 30, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Matters	REGULATORY MATTERS The Association is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the financial statements of the Association. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Association must meet specific capital guidelines that involve quantitative measures of its assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Association to maintain minimum amounts and ratios (set forth in table below) of common equity Tier 1, Tier 1, and Total capital (as defined in the regulations) to risk-weighted assets (as defined) and Tier 1 capital (as defined) to net average assets (as defined). The risk-based capital guidelines include both a definition of capital and a framework for calculating risk-weighted assets by assigning balance sheet assets and off-balance sheet assets to broad risk categories. In 2019, a final rule adopted by the federal banking agencies provided banking organizations with the option to phase in, over a three-year period, the adverse day-one regulatory capital effects of the adoption of the CECL accounting standard. In 2020, as part of its response to the impact of COVID-19, U.S. federal banking regulatory agencies issued a final rule which provides banking organizations that implement CECL during the 2020 calendar year the option to delay for two years an estimate of CECL’s effect on regulatory capital, relative to the incurred loss methodology’s effect on regulatory capital, followed by a three-year transition period, which the Association and Company have adopted. During the two-year delay, the Association and Company added back to common equity tier 1 capital (“CET1”) 100% of the initial adoption impact of CECL plus 25% of the cumulative quarterly changes in the allowance for credit losses. Subsequent to the two-year delay, the quarterly transitional amounts along with the initial adoption impact of CECL will be phased out of CET1 capital over the three-year period. At September 30, 2022, the Association exceeded all regulatory capital requirements and is considered “well capitalized” under regulatory guidelines. The Association operates under the capital requirements for the standardized approach of the Basel III capital framework for U.S. banking organizations (“Basel III Rules”), which limits capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% in addition to the minimum capital requirements. At September 30, 2022, the Association exceeded the fully phased-in regulatory requirement for the "capital conservation buffer". The following table summarizes the actual capital amounts and ratios of the Association as of September 30, 2022 and 2021, compared to the minimum capital adequacy requirements and the requirements for classification as a well capitalized institution. Minimum Requirements Actual For Capital To be “Well Capitalized” Amount Ratio Amount Ratio Amount Ratio September 30, 2022 Total Capital to Risk-Weighted Assets $ 1,666,677 18.84 % $ 707,788 8.00 % $ 884,734 10.00 % Tier 1 (Leverage) Capital to Net Average Assets 1,614,615 10.33 % 625,020 4.00 % 781,275 5.00 % Tier 1 Capital to Risk-Weighted Assets 1,614,615 18.25 % 530,841 6.00 % 707,788 8.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,614,615 18.25 % 398,130 4.50 % 575,077 6.50 % September 30, 2021 Total Capital to Risk-Weighted Assets $ 1,629,192 21.00 % $ 620,637 8.00 % $ 775,796 10.00 % Tier 1 (Leverage) Capital to Net Average Assets 1,585,124 11.15 % 568,751 4.00 % 710,939 5.00 % Tier 1 Capital to Risk-Weighted Assets 1,585,124 20.43 % 465,478 6.00 % 620,637 8.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,585,124 20.43 % 349,108 4.50 % 504,268 6.50 % The Association paid dividends of $56,000 and $55,000 to the Company during the years ended September 30, 2022 and 2021, respectively.

Investment Securities

Investment Securities	12 Months Ended
	Sep. 30, 2022
Investments [Abstract]
Investment Securities	INVESTMENT SECURITIES Available-for-sale securities are summarized in the tables below. Accrued interest in the periods presented is $1,122 and $852 as of September 30, 2022 and September 30, 2021, respectively, and is reported in accrued interest receivable on the CONSOLIDATED STATEMENTS OF CONDITION . September 30, 2022 Amortized Gross Fair Gains Losses REMICs $ 496,529 $ 1 $ (43,262) $ 453,268 Fannie Mae certificates 1,011 14 (4) 1,021 U.S. Government and agency obligations 4,057 — (438) 3,619 Total $ 501,597 $ 15 $ (43,704) $ 457,908 September 30, 2021 Amortized Gross Fair Gains Losses REMICs $ 415,149 $ 2,420 $ (1,328) $ 416,241 Fannie Mae certificates 5,393 149 — 5,542 Total $ 420,542 $ 2,569 $ (1,328) $ 421,783 The following is a summary of our securities portfolio by remaining period to contractual maturity and yield at September 30, 2022. Maturities are based on the final contractual payment dates, and do not reflect the impact of prepayments or early redemptions that may occur. There were no securities with a maturity of one year or less for either year presented. Weighted average yields are not presented on a tax-equivalent basis and are calculated by multiplying each carry value by its yield and dividing the sum of these results by the total carry values. We did not hold any tax-free securities. September 30, 2022 September 30, 2021 Amortized Cost Fair Value Weighted Average Yield Amortized Cost Fair Value Weighted Average Yield One to five years 15,476 14,775 2.06 % 18,373 18,680 1.83 % Five to ten years 38,927 37,204 2.30 % 34,904 35,364 1.22 % Ten years or greater 447,194 405,929 2.25 % 367,265 367,739 0.90 % Total $ 501,597 $ 457,908 2.25 % $ 420,542 $ 421,783 0.96 % 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 September 30, 2022 and 2021, were as follows: September 30, 2022 Less Than 12 Months 12 Months or More Total Estimated Unrealized Estimated Unrealized Estimated Unrealized Available for sale— REMICs $ 261,795 $ 17,260 $ 190,739 $ 26,002 $ 452,534 $ 43,262 Fannie Mae certificates 217 4 — — 217 4 U.S. Government and agency obligations 3,619 438 — — 3,619 438 Total $ 265,631 $ 17,702 $ 190,739 $ 26,002 $ 456,370 $ 43,704 September 30, 2021 Less Than 12 Months 12 Months or More Total Estimated Unrealized Estimated Unrealized Estimated Unrealized Available for sale— REMICs $ 201,279 $ 1,290 $ 6,261 $ 38 $ 207,540 $ 1,328 The unrealized losses on investment securities were primarily attributable to an increase in interest rates. The contractual cash flows of REMICs are guaranteed by Fannie Mae, Freddie Mac and Ginnie Mae, and 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. Since the decline in value is primarily attributable to an increase in interest rates, and the financing agreements established by the U.S. Treasury Department ensures contractual cash flows obligations will be met, we did not record an allowance for credit losses with respect to securities as of September 30, 2022.

Loans And Allowance For Loan Lo

Loans And Allowance For Loan Losses	12 Months Ended
	Sep. 30, 2021
Receivables [Abstract]
Loans And Allowance For Loan Losses	LOANS AND ALLOWANCE FOR CREDIT LOSSES LOAN PORTFOLIOS Loans held for investment consist of the following: September 30, September 30, 2022 2021 Real estate loans: Residential Core $ 11,539,859 $ 10,215,275 Residential Home Today 53,255 63,823 Home equity loans and lines of credit 2,633,878 2,214,252 Construction 121,759 80,537 Real estate loans 14,348,751 12,573,887 Other loans 3,263 2,778 Add (deduct): Deferred loan expenses, net 50,221 44,859 Loans-in-process (72,273) (48,200) Allowance for credit losses on loans (72,895) (64,289) Loans held for investment, net $ 14,257,067 $ 12,509,035 Loans are carried at amortized cost, which includes outstanding principal balance adjusted for any unamortized premiums or discounts, net of deferred fees and expenses. Accrued interest is $39,124 and $30,255 as of September 30, 2022 and September 30, 2021, respectively, and is reported in accrued interest receivable on the CONSOLIDATED STATEMENTS OF CONDITION. A large concentration of the Company’s lending is in Ohio and Florida. As of September 30, 2022 and September 30, 2021, the percentage of aggregate Residential Core, Home Today and Construction loans secured by properties in Ohio was 56% and 55%, respectively, and the percentage of loans secured by properties in Florida was 18% as of both dates. As of September 30, 2022 and September 30, 2021, home equity loans and lines of credit were concentrated in the states of Ohio (27% and 29%, respectively), Florida (20% as of both dates), and California (16% and 15%, respectively). 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 "Smart Rate" adjustable-rate mortgage loans whereby the interest rate is locked initially for three or five years then resets annually, subject to periodic rate adjustments caps and various re-lock options available to the borrower. Although the borrower is qualified for its loan at a higher rate than the initial rate offered, the adjustable-rate feature may impact a borrower's ability to afford the higher payments upon rate reset during periods of rising interest rates while this repayment risk may be reduced in a declining or low rate environment. With limited historical loss experience compared to other types of loans in the portfolio, judgment is required by management in assessing the allowance required on adjustable-rate mortgage loans. The principal amount of adjustable-rate mortgage loans included in the Residential Core portfolio was $4,668,089 and $4,646,760 at September 30, 2022 and September 30, 2021, respectively. Home Today was an affordable housing program targeted to benefit low- and moderate-income home buyers. Most loans under the program were originated prior to 2009. No new loans were originated under the Home Today program after September 30, 2016. Home Today loans have greater credit risk than traditional residential real estate mortgage loans. 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 and include monthly principal and interest payments throughout the entire term. Once the draw period on lines of credit has expired, the accounts are included in the home equity loan balance. The full credit exposure on home equity lines of credit is secured by the value of the collateral real estate at the time of origination. 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. Construction/permanent loans have a fixed or adjustable-rate 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. Loans held for sale include loans originated within the parameters of programs established by Fannie Mae, for sale to Fannie Mae, and loans originated for the held for investment portfolio that are later identified for sale. During the years ended September 30, 2022 and September 30, 2021, reclassifications to the held for sale portfolio included loans that were sold during the period, including those in contracts pending settlement at the end of the period, and loans originated for the held for investment portfolio that were later identified for sale. At September 30, 2022 and September 30, 2021, respectively, mortgage loans held for sale totaled $9,661 and $8,848. During the years ended September 30, 2022 and September 30, 2021, respectively, the principal balance of loans sold was $128,118 and $762,332. During the year ended September 30, 2022, the amortized cost of loans originated as held for sale that were subsequently transferred to the held for investment portfolio was $22,741. This transfer was due to changes in market pricing, affected by the rise in long-term interest rates, and managements' intent to hold the loans in portfolio until maturity or for the foreseeable future. During the years ended September 30, 2021 and September 30, 2020, there were no transfers to the held for investment portfolio. DELINQUENCY and NON-ACCRUAL An aging analysis of the amortized cost in loan receivables that are past due at September 30, 2022 and September 30, 2021 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, regardless of the number of days in each month. Balances are adjusted for deferred loan fees and expenses and any applicable loans-in-process. 30-59 Days 60-89 Days 90 Days Total Past Current Total September 30, 2022 Real estate loans: Residential Core $ 2,725 $ 1,491 $ 9,281 $ 13,497 $ 11,545,784 $ 11,559,281 Residential Home Today 1,341 770 861 2,972 49,836 52,808 Home equity loans and lines of credit 1,599 796 2,321 4,716 2,661,416 2,666,132 Construction — — — — 48,478 48,478 Total real estate loans 5,665 3,057 12,463 21,185 14,305,514 14,326,699 Other loans — — — — 3,263 3,263 Total $ 5,665 $ 3,057 $ 12,463 $ 21,185 $ 14,308,777 $ 14,329,962 30-59 60-89 90 Days Total Past Current Total September 30, 2021 Real estate loans: Residential Core $ 3,642 $ 2,263 $ 9,370 $ 15,275 $ 10,218,347 $ 10,233,622 Residential Home Today 948 961 2,068 3,977 59,432 63,409 Home equity loans and lines of credit 938 300 4,231 5,469 2,236,449 2,241,918 Construction — — — — 31,597 31,597 Total real estate loans 5,528 3,524 15,669 24,721 12,545,825 12,570,546 Other loans — — — — 2,778 2,778 Total $ 5,528 $ 3,524 $ 15,669 $ 24,721 $ 12,548,603 $ 12,573,324 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 loss is recovered. Loans restructured in TDRs that were in non-accrual status prior to the restructurings and loans with forbearance plans that were subsequently modified are reported 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 amortized cost of loan receivables in non-accrual status is summarized in the following table. Non-accrual with no ACL describes non-accrual loans which have no quantitative or individual valuation allowance, primarily because they have already been collaterally reviewed and any required charge-offs have been taken, but may be included in consideration of qualitative allowance factors. Balances are adjusted for deferred loan fees and expenses. There are no loans 90 or more days past due and still accruing at September 30, 2022 or September 30, 2021. September 30, 2022 September 30, 2021 Non-accrual with No ACL Total Non-accrual with No ACL Total Real estate loans: Residential Core $ 20,995 $ 22,644 $ 23,748 $ 24,892 Residential Home Today 5,753 6,037 7,730 8,043 Home equity loans and lines of credit 6,668 6,925 9,992 11,110 Total non-accrual loans $ 33,416 $ 35,606 $ 41,470 $ 44,045 At September 30, 2022 and September 30, 2021, respectively, the amortized cost in non-accrual loans includes $23,159 and $28,385 which are performing according to the terms of their agreement, of which $13,526 and $16,495 are loans in Chapter 7 bankruptcy status, primarily where all borrowers have filed, and have not reaffirmed or been dismissed. At September 30, 2022 and September 30, 2021, real estate loans include $9,833 and $2,296, respectively, of loans that were in the process of foreclosure. Interest on loans in accrual status 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. The Company has elected not to measure an allowance for credit losses on accrued interest receivable amounts since amounts are written off timely. Cash payments on loans in non-accrual status are applied to the oldest scheduled, unpaid payment first. The amount of interest income recognized on non-accrual loans was $740, and $929 for the years ended September 30, 2022 and September 30, 2021, 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. 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, a home 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. ALLOWANCE FOR CREDIT LOSSES For all classes of loans, a loan is considered collateral-dependent when, based on current information and events, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale of the collateral or foreclosure is probable. Factors considered in determining that a loan is collateral-dependent 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. 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 amortized cost in the loans. Partial or full charge-offs are also recognized for the amount of credit losses on loans considered collateral-dependent when the borrower is experiencing financial difficulty as described by meeting the conditions below. • For residential mortgage loans, payments are greater than 180 days delinquent; • For home equity loans and lines of credit, and residential loans restructured in a TDR, payments are greater than 90 days delinquent; • For all classes of loans in a TDR COVID-19 forbearance plan, original contractual payments are greater than 150 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; • For all classes of loans, a COVID-19 forbearance plan has been extended greater than 12 months; • For all classes of loans in a COVID-19 repayment plan, modified contractual payments are greater than 90 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 amortized cost in the loan, net of anticipated mortgage insurance claims, exceeds the fair value, less estimated 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 amortized cost in the loan plus the balance of any senior liens exceeds the fair value, less estimated 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 such 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 will continue to be individually evaluated for credit loss until, at a minimum, the loss has been recovered. Residential mortgage loans, home equity loans and lines of credit and construction loans restructured in TDRs that are not evaluated based on collateral are separately evaluated for credit losses on a loan by loan basis at each reporting date for as long as they are reported as TDRs. The credit loss 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 amortized costs 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. These loans are evaluated using expected future cash flows because the borrower, not liquidation of the collateral, is expected to be the source of repayment for the loan. Other loans are not considered for restructuring. At September 30, 2022 and September 30, 2021, respectively, allowances on individually reviewed TDRs (IVAs), evaluated for credit losses based on the present value of cash flows were $10,284 and $12,073. All other individually evaluated loans received a charge-off, if applicable. The allowance for credit losses represents the estimate of lifetime losses in the loan portfolio and unfunded loan commitments. An allowance is established using relevant available information relating to past events, current conditions and supportable forecasts. The Company utilizes loan level regression models with forecasted economic data to derive the probability of default and loss given default factors. These factors are used to calculate the loan level credit loss over a 24-month period with an immediate reversion to historical mean loss rates for the remaining life of the loans. Historical credit loss experience provides the basis for the estimation of expected credit losses. Qualitative adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency status or likely recovery of previous loan charge-offs. Qualitative adjustments for expected changes in environmental conditions, such as changes in unemployment rates, property values or other relevant factors, are recognized when forecasted economic data used in the model differs from management's view or contains significant unobservable changes within a short period, particularly when those changes are directionally positive. Identifiable model limitations may also lead to qualitative adjustments, such as those made to reflect the expected recovery of loan amounts previously charged-off, beyond what the model is able to project. The qualitative adjustments resulted in a negative ending balance on the allowance for credit losses for the Home Today portfolio, where recoveries are expected to exceed charge-offs over the remaining life of that portfolio.The net qualitative adjustment at September 30, 2022 was a net reduction of $7,085. Adjustments are evaluated quarterly based on current facts and circumstances. Activity in the allowance for credit losses by portfolio segment is summarized as follows. See Note 15. COMMITMENTS AND CONTINGENT LIABILITIES for further details on the allowance for unfunded commitments. For the Year Ended September 30, 2022 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 44,523 $ 6,298 $ (247) $ 2,932 $ 53,506 Residential Home Today 15 (3,411) (249) 2,648 (997) Home equity loans and lines of credit 19,454 (3,820) (954) 5,352 20,032 Construction 297 (118) — 175 354 Total real estate loans 64,289 (1,051) (1,450) 11,107 72,895 Total Unfunded Loan Commitments (1) 24,970 2,051 — — 27,021 Total Allowance for Credit Losses $ 89,259 $ 1,000 $ (1,450) $ 11,107 $ 99,916 For the Year Ended September 30, 2021 Beginning Adoption of ASU 2016-13 Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 22,381 $ 23,927 $ (2,205) $ (1,965) $ 2,385 $ 44,523 Residential Home Today 5,654 (5,217) (2,232) (552) 2,362 15 Home equity loans and lines of credit 18,898 5,258 (7,627) (2,696) 5,621 19,454 Construction 4 127 146 — 20 297 Total real estate loans 46,937 24,095 (11,918) (5,213) 10,388 64,289 Total Unfunded Loan Commitments (1) $ — $ 22,052 $ 2,918 $ — $ — $ 24,970 Total Allowance for Credit Losses $ 46,937 $ 46,147 $ (9,000) $ (5,213) $ 10,388 $ 89,259 (1) Total allowance for unfunded loan commitments is recorded in other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit. CLASSIFIED LOANS The following tables provide information about the credit quality of residential loan receivables by an internally assigned grade. Revolving loans reported at amortized cost include home equity lines of credit currently in their draw period. Revolving loans converted to term are home equity lines of credit that are in repayment. Equity loans and bridge loans are segregated by origination year. Loans, or the portions of loans, classified as loss are fully charged-off in the period in which they are determined to be uncollectible; therefore they are not included in the following table. No Home Today loans are classified Special Mention. All construction loans are classified Pass. Balances are adjusted for deferred loan fees and expenses and any applicable loans-in-process. Revolving Loans Revolving Loans By fiscal year of origination Amortized Converted 2022 2021 2020 2019 2018 Prior Cost Basis To Term Total September 30, 2022 Real estate loans: Residential Core Pass $ 3,349,200 $ 2,251,075 $ 1,488,763 $ 629,090 $ 665,116 $ 3,141,907 $ — $ — $ 11,525,151 Special Mention — 292 — 108 464 816 — — 1,680 Substandard — 1,195 3,188 1,142 1,883 25,042 — — 32,450 Total Residential Core 3,349,200 2,252,562 1,491,951 630,340 667,463 3,167,765 — — 11,559,281 Residential Home Today (1) Pass — — — — — 45,408 — — 45,408 Substandard — — — — — 7,400 — — 7,400 Total Residential Home Today — — — — — 52,808 — — 52,808 Home equity loans and lines of credit Pass 98,904 30,614 9,204 8,036 6,965 11,247 2,400,095 89,448 2,654,513 Special Mention — 191 — — — — 898 640 1,729 Substandard — — 54 20 19 127 2,996 6,674 9,890 Total Home equity loans and lines of credit 98,904 30,805 9,258 8,056 6,984 11,374 2,403,989 96,762 2,666,132 Total Construction 37,810 10,668 — — — — — — 48,478 Total real estate loans Pass 3,485,914 2,292,357 1,497,967 637,126 672,081 3,198,562 2,400,095 89,448 14,273,550 Special Mention — 483 — 108 464 816 898 640 3,409 Substandard — $ 1,195 $ 3,242 $ 1,162 $ 1,902 $ 32,569 $ 2,996 $ 6,674 $ 49,740 Total real estate loans $ 3,485,914 $ 2,294,035 $ 1,501,209 $ 638,396 $ 674,447 $ 3,231,947 $ 2,403,989 $ 96,762 $ 14,326,699 (1) No new originations of Home Today loans since fiscal 2016. Revolving Loans Revolving Loans By fiscal year of origination Amortized Converted 2021 2020 2019 2018 2017 Prior Cost Basis To Term Total September 30, 2021 Real estate loans: Residential Core Pass $ 2,637,782 $ 1,807,652 $ 784,462 $ 860,150 $ 1,016,853 $ 3,042,398 $ — $ — $ 10,149,297 Special Mention 22,711 703 110 709 300 759 — — 25,292 Substandard — 4,029 4,470 4,860 4,813 40,861 — — 59,033 Total Residential Core 2,660,493 1,812,384 789,042 865,719 1,021,966 3,084,018 — — 10,233,622 Residential Home Today (1) Pass — — — — — 53,076 — — 53,076 Substandard — — — — — 10,333 — — 10,333 Total Residential Home Today — — — — — 63,409 — — 63,409 Home equity loans and lines of credit Pass 48,427 14,488 12,325 11,891 10,423 6,478 1,990,195 129,336 2,223,563 Special Mention — — 13 — — 10 1,182 292 1,497 Substandard — — 148 57 304 33 4,746 11,570 16,858 Total Home equity loans and lines of credit 48,427 14,488 12,486 11,948 10,727 6,521 1,996,123 141,198 2,241,918 Construction Pass 26,587 3,890 — — — — — — 30,477 Special Mention 1,120 — — — — — — — 1,120 Total Construction 27,707 3,890 — — — — — — 31,597 Total real estate loans Pass 2,712,796 1,826,030 796,787 872,041 1,027,276 3,101,952 1,990,195 129,336 12,456,413 Special Mention 23,831 703 123 709 300 769 1,182 292 27,909 Substandard — 4,029 4,618 4,917 5,117 51,227 4,746 11,570 86,224 Total real estate loans $ 2,736,627 $ 1,830,762 $ 801,528 $ 877,667 $ 1,032,693 $ 3,153,948 $ 1,996,123 $ 141,198 $ 12,570,546 (1) No new originations of Home Today loans since fiscal 2016. The home equity lines of credit converted from revolving to term loans during the years ended September 30, 2022 and September 30, 2021 totaled $436 and $6,088. 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 deems to 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 all 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 affected in the future. At September 30, 2022 and September 30, 2021, respectively, $75,904 and $83,708 of TDRs individually evaluated for credit loss have adequately performed under the terms of the restructuring and are classified as Pass loans. At September 30, 2022 and September 30, 2021, respectively, $102 and $24,042 of loans classified as Special Mention are residential mortgage loans and home equity lines of credit identified, after origination, as being underwritten with altered income documentation, that have not yet demonstrated repayment performance over a minimum period. Substandard loans decreased between the periods presented primarily due to loans with forbearance plans extended greater than 12 months that are considered collateral dependent and classified substandard, for a minimum of one year, until a sustained period of repayment performance is satisfied. Loans classified substandard includes $5,381 and $28,029 of loans that had their forbearance term extended greater than 12 months regardless of forbearance plan status at September 30, 2022 and September 30, 2021, respectively . Other loans are internally assigned a grade of non-performing when they become 90 days or more past due. At September 30, 2022 and September 30, 2021, no other loans were graded as non-performing. TROUBLED DEBT RESTRUCTURINGS Initial concessions granted for loans restructured as TDRs may include reduction of interest rate, extension of amortization period, forbearance or other actions. Some TDRs have experienced a combination of concessions. TDRs also may 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 amortized cost in TDRs by category as of September 30, 2022 and September 30, 2021 is shown in the tables below. September 30, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 30,071 $ 17,583 $ 10,896 $ 58,550 Residential Home Today 10,359 11,485 1,995 23,839 Home equity loans and lines of credit 22,636 2,743 1,268 26,647 Total $ 63,066 $ 31,811 $ 14,159 $ 109,036 September 30, 2021 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 33,394 $ 20,499 $ 12,962 $ 66,855 Residential Home Today 12,640 13,409 2,556 28,605 Home equity loans and lines of credit 26,550 3,424 1,675 31,649 Total $ 72,584 $ 37,332 $ 17,193 $ 127,109 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 is unable to resume contractually scheduled 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 work 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 TDRs restructured during the years ended September 30, 2022 and September 30, 2021 (set forth in the tables below), the pre-restructured outstanding amortized cost was not materially different from the post-restructured outstanding amortized cost. New TDRs decreased during recent periods as forbearance plan resolutions and subsequent modifications due to COVID-19 have become insignificant. The following tables set forth the amortized cost in TDRs restructured during the periods presented. For the Year Ended September 30, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 3,823 $ 1,533 $ 1,142 $ 6,498 Residential Home Today 202 1,071 45 1,318 Home equity loans and lines of credit 510 175 163 848 Total $ 4,535 $ 2,779 $ 1,350 $ 8,664 For the Year Ended September 30, 2021 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 9,364 $ 1,981 $ 1,614 $ 12,959 Residential Home Today 362 1,432 103 1,897 Home equity loans and lines of credit 1,466 1,223 417 3,106 Total $ 11,192 $ 4,636 $ 2,134 $ 17,962 For the Year Ended September 30, 2020 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 4,334 $ 3,233 $ 1,831 $ 9,398 Residential Home Today 1,112 1,962 610 3,684 Home equity loans and lines of credit 1,984 815 454 3,253 Total $ 7,430 $ 6,010 $ 2,895 $ 16,335 The table below summarizes information about 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 periods presented. For the Year Ended September 30, 2022 For the Year Ended September 30, 2021 For the Year Ended September 30, 2020 TDRs That Subsequently Defaulted Number of Recorded Number of Recorded Number of Recorded Residential Core 5 $ 780 6 $ 948 9 $ 1,394 Residential Home Today 5 90 7 194 9 441 Home equity loans and lines of credit 2 108 1 42 4 282 Total 12 $ 978 14 $ 1,184 22 $ 2,117

Mortgage Loan Servicing Rights

Mortgage Loan Servicing Rights	12 Months Ended
	Sep. 30, 2022
Disclosures Pertaining to Servicing Assets and Servicing Liabilities [Abstract]
Mortgage Loan Servicing Assets	MORTGAGE LOAN SERVICING RIGHTS The Company sells certain types of loans through whole loan sales and through securitizations. In each case, the Company retains a servicing interest in the loans or securitized loans. Certain assumptions and estimates are used to determine the fair value allocated to these retained interests at the date of transfer and at subsequent measurement dates. These assumptions and estimates include loan repayment rates and discount rates. Changes in interest rates can affect the average life of loans and mortgage-backed securities and the related servicing rights. A reduction in interest rates normally results in increased prepayments, as borrowers refinance their debt in order to reduce their borrowing costs. This creates reinvestment risk, which is the risk that the Company may not be able to reinvest the proceeds of loan and securities prepayments at rates that are comparable to the rates earned on the loans or securities prior to receipt of the repayment. During 2022, 2021 and 2020, $128,118, $796,512 and $810,116, respectively, of mortgage loans were securitized and/or sold including accrued interest thereon. In these transactions, the Company retained residual interests in the form of mortgage loan servicing rights. Primary economic assumptions used to measure the value of the Company’s retained interests at the date of sale resulting from the completed transactions were as follows (per annum): 2022 2021 Primary prepayment speed assumptions (weighted average annual rate) 11.9 % 13.9 % Weighted average life (years) 24.1 22.9 Amortized cost to service loans (weighted average) 0.12 % 0.12 % Weighted average discount rate 12 % 12 % Key economic assumptions and the sensitivity of the current fair value of mortgage loan servicing rights to immediate 10% and 20% adverse changes in those assumptions are as presented in the following table. The three key economic assumptions that impact the valuation of the mortgage loan servicing rights are: (1) the prepayment speed, or how long the mortgage servicing right will be outstanding; (2) the estimate of servicing costs that will be incurred in fulfilling the mortgage servicing right responsibilities; and (3) the discount factor applied to future net cash flows to convert them to present value. The Company established these factors based on independent analysis of our portfolio and reviews these assumptions periodically to ensure that they reasonably reflect current market conditions and our loan portfolio experience. September 30, 2022 Fair value of mortgage loan servicing rights $ 15,288 Prepayment speed assumptions (weighted average annual rate) 15.0 % Impact on fair value of 10% adverse change $ (567) Impact on fair value of 20% adverse change $ (1,083) Estimated prospective annual cost to service loans (weighted average) 0.12 % Impact on fair value of 10% adverse change $ (1,320) Impact on fair value of 20% adverse change $ (2,640) Discount rate 12.0 % Impact on fair value of 10% adverse change $ (528) Impact on fair value of 20% adverse change $ (1,017) These sensitivities are hypothetical and should be used with caution. As indicated in the table above, changes in fair value based on a 10% variation in assumptions generally cannot be extrapolated because the relationship in the change in assumption to the change in fair value may not be linear. Also, the effect of a variation in a particular assumption on the fair value of the retained interest is calculated without changing any other assumption. In reality, changes in one factor may result in changes in another (for example, increases in market interest rates may result in lower prepayments), which could magnify or counteract the sensitivities. Servicing rights are evaluated periodically for impairment based on the fair value of those rights. Twenty-two risk tranches are used in evaluating servicing rights for impairment, segregated primarily by interest rate stratum within original term to maturity categories with additional strata for less uniform account types. Activity in mortgage servicing rights is summarized as follows: Year Ended September 30, 2022 2021 2020 Balance—beginning of year $ 8,941 $ 7,860 $ 8,080 Additions from loan securitizations/sales 657 3,836 1,613 Amortization (1) (1,655) (2,764) (1,824) Net change in valuation allowance — 9 (9) Balance—end of year $ 7,943 $ 8,941 $ 7,860 Fair value of capitalized amounts $ 15,288 $ 17,454 $ 12,487 (1) Year ended September 30, 2021 and 2020 amounts include $199 and $1,063 respectively, related to the repurchase of loans previously sold and serviced by the Company. The Company receives annual servicing fees ranging from 0.02% to 0.98% of the outstanding loan balances. Servicing income, net of amortization of capitalized servicing rights, included in non-interest income, amounted to $4,251 in 2022, $3,260 in 2021 and $3,365 in 2020. The unpaid principal balance of mortgage loans serviced for others was approximately $2,051,110, $2,262,875 and $2,007,319 at September 30, 2022, 2021 and 2020, respectively. The ratio of capitalized servicing rights to the unpaid principal balance of mortgage loans serviced for others was 0.39%, 0.40%, and 0.39% at September 30, 2022, 2021 and 2020, respectively.

Premises, Equipment And Softwar

Premises, Equipment And Software, Net	12 Months Ended
	Sep. 30, 2022
Property, Plant and Equipment, Net [Abstract]
Premises, Equipment And Software, Net	PREMISES, EQUIPMENT AND SOFTWARE, NET Premises, equipment and software at cost are summarized as follows: September 30, 2022 2021 Land $ 8,610 $ 8,688 Office buildings 61,312 60,661 Furniture, fixtures and equipment 39,899 39,266 Software 20,048 19,962 Leasehold improvements 11,071 10,768 140,940 139,345 Less: accumulated depreciation and amortization (106,409) (101,925) Total $ 34,531 $ 37,420 During the years ended September 30, 2022, 2021 and 2020, depreciation and amortization expense on premises, equipment, and software was $5,393, $5,422 and $5,435, respectively. 5

Leases

Leases	12 Months Ended
	Sep. 30, 2022
Leases [Abstract]
Leases	LEASES As a lessee, the Company enters into operating leases of buildings and land. The Company occupies certain banking branches, loan production and customer service offices and a disaster recovery site through non-cancellable operating leases with remaining terms from less than one Operating lease expense for the years ended September 30, 2022 and 2021, totaled $5,576 and $5,351, respectively. Variable lease expense for the years ended September 30, 2022 and 2021, totaled $1,479 and $1,374, respectively. During the years ended September 30, 2022 and 2021, the Company paid $5,572 and $5,354, respectively, in cash for amounts included in the measurement of lease liabilities. As of September 30, 2022 and 2021, 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: September 30, 2022 2021 Right-of-use assets (a) $ 30,189 $ 27,923 Lease liabilities (b) $ 15,775 $ 18,461 Weighted Average Remaining Lease Term 5.06 years 5.51 years Weighted Average Discount Rate 1.49 % 1.51 % (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 at the periods presented: September 30, 2022 2021 Maturing in: 12 months or less $ 4,953 $ 5,128 13 to 24 months 3,903 4,334 25 to 36 months 3,044 3,400 37 to 48 months 1,810 2,570 49 to 60 months 591 1,321 over 60 months 2,230 2,640 Total minimum lease payments 16,531 19,393 Less imputed interest 756 932 Total lease liabilities $ 15,775 $ 18,461

Deposits

Deposits	12 Months Ended
	Sep. 30, 2022
Deposits [Abstract]
Deposit Liabilities Disclosures	DEPOSITS Deposit account balances are summarized by interest rate as follows: Stated September 30, 2022 2021 Amount Percent Amount Percent Checking accounts 0.00–1.00% $ 1,210,035 13.6 % $ 1,132,910 12.6 % Savings accounts, excluding money market accounts 0.00–1.05 1,364,821 15.3 1,263,309 14.0 Money market accounts 0.00–1.05 481,650 5.4 563,931 6.3 Subtotal 3,056,506 34.3 2,960,150 32.9 Certificates of deposit 0.00–0.99 3,157,495 35.4 3,335,102 37.1 1.00–1.99 1,002,227 11.2 808,105 9.0 2.00–2.99 1,320,579 14.8 1,574,939 17.5 3.00 and above 381,973 4.3 313,457 3.5 5,862,274 65.7 6,031,603 67.1 Subtotal 8,918,780 100.0 8,991,753 100.0 Accrued interest 2,237 — 1,852 — Total deposits $ 8,921,017 100.0 % $ 8,993,605 100.0 % At September 30, 2022 and 2021, the weighted average interest rate was 0.81% and 0.09% on checking accounts; 0.79% and 0.12% on savings accounts; 0.95% and 0.19% on money market accounts; 1.37% and 1.26% on certificate of deposit, respectively; and 1.18% and 0.89% on total deposits, respectively. The aggregate amount of CD's in denominations of $250 or more was $733,301 and $693,375 at September 30, 2022 and 2021, respectively. In accordance with the DFA, the maximum amount of deposit insurance is $250 per depositor. Brokered CD's (exclusive of acquisition costs and subsequent amortization), which are used as an additional funding alternative, totaled $575,236 and $491,994 at September 30, 2022 and 2021, respectively. 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 September 30, 2022 and September 30, 2021, the Association may accept brokered deposits without FDIC restrictions. The scheduled maturity of certificates of deposit is as follows: September 30, 2022 Amount Percent Weighted 12 months or less $ 3,015,505 51.5 % 1.02 % 13 to 24 months 1,015,842 17.3 % 1.51 % 25 to 36 months 814,248 13.9 % 1.49 % 37 to 48 months 476,759 8.1 % 1.50 % 49 to 60 months 510,856 8.7 % 2.81 % Over 60 months 29,064 0.5 % 1.32 % Total $ 5,862,274 100.0 % 1.36 % Interest expense on deposits is summarized as follows: Year Ended September 30, 2022 2021 2020 Certificates of deposit $ 68,204 $ 93,187 $ 130,990 Checking accounts 4,186 1,140 1,477 Savings and Money Market accounts 4,553 2,992 7,775 Total $ 76,943 $ 97,319 $ 140,242

Borrowed Funds

Borrowed Funds	12 Months Ended
	Sep. 30, 2022
Debt Disclosure [Abstract]
Borrowed Funds	BORROWED FUNDS At September 30, 2022, the Association had a maximum borrowing capacity of $9,237,184, of which $4,793,221 was outstanding. Borrowings from the FHLB of Cincinnati are secured by the Association’s investment in the common stock of the FHLB of Cincinnati as well as by a blanket pledge of its mortgage portfolio not otherwise pledged. The Association also has the ability to purchase Fed Funds through arrangements with other institutions. Finally, the ability to borrow from the FRB-Cleveland Discount Window is available to the Association and is secured by a pledge of specific loans in the Association’s mortgage portfolio. Total borrowings at September 30, 2022 are summarized in the table below: Borrowing Capacity Borrowings Available Borrowings Outstanding FHLB $ 8,474,183 $ 3,912,447 $ 4,561,736 FRB Cleveland 168,001 168,001 — Fed Funds Purchased 595,000 370,000 225,000 Subtotal $ 9,237,184 $ 4,450,448 4,786,736 Accrued Interest 6,485 Total Borrowings $ 4,793,221 Maturities of borrowings at September 30, 2022 are summarized in the table below: Amount Weighted Average Rate Maturing in: 12 months or less $ 2,225,182 2.93 % 13 to 24 months 775,000 1.50 % 25 to 36 months 625,000 1.42 % 37 to 48 months 500,789 1.97 % 49 to 60 months 600,000 2.72 % over 60 months 60,765 2.93 % Total Advances $ 4,786,736 2.38 % Accrued interest 6,485 Total $ 4,793,221 All borrowings have fixed rates during their term ranging up to 240 months. Interest is payable monthly for long-term advances and at maturity for FHLB three-month advances and overnight advances. The table above reflects the effective maturities and fixed interest rates of the $1,550,000 of short-term FHLB advances that are tied to interest rate swaps discussed in Note 17. DERIVATIVE INSTRUMENTS. For the years ended September 30, 2022, 2021 and 2020, net interest expense related to short-term borrowings was $49,828, $50,975 and $61,058, respectively. In March 2021, the Association received a second consecutive “Needs to Improve” rating on its Community Reinvestment Act (CRA) examination covering the period ending December 31, 2019. The FHFA practice is to place member institutions in this situation on restriction. When this restriction is established, the Association will not have access to FHLB long-term advances (maturities greater than one year) until the rating improves. However, the Association has not received the notice of this restriction as of November 22, 2022. Existing advances and future advances with less than a one year term, including 90 day advances used to facilitate longer term interest rate swap agreements, will not be affected. The Association does not expect any impact to its ability to access funding.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	12 Months Ended
	Sep. 30, 2022
Equity [Abstract]
Other Comprehensive Income (Loss)	OTHER COMPREHENSIVE INCOME (LOSS) The change in AOCI by component is as follows: Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Fiscal year 2020 activity Balance at September 30, 2019 $ (2,165) $ (44,915) $ (22,299) $ (69,379) Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $(22,316) 6,859 (88,948) (1,862) (83,951) Amounts reclassified, net of tax expense (benefit) of $5,680 — 19,557 1,808 21,365 Other comprehensive income (loss) 6,859 (69,391) (54) (62,586) Balance at September 30, 2020 $ 4,694 $ (114,306) $ (22,353) $ (131,965) Fiscal year 2021 activity Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $8,656 (3,733) 20,914 9,937 27,118 Amounts reclassified, net of tax expense (benefit) of $9,907 — 35,182 1,864 37,046 Other comprehensive income (loss) (3,733) 56,096 11,801 64,164 Balance at September 30, 2021 $ 961 $ (58,210) $ (10,552) $ (67,801) Fiscal year 2022 activity Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $21,242 (34,860) 109,452 (1,665) 72,927 Amounts reclassified, net of tax expense (benefit) of $5,212 — 17,641 382 18,023 Other comprehensive income (loss) (34,860) 127,093 (1,283) 90,950 Balance at September 30, 2022 $ (33,899) $ 68,883 $ (11,835) $ 23,149 The following table presents the reclassification adjustment out of AOCI included in net income and the corresponding line item on the CONSOLIDATED STATEMENTS OF INCOME for the periods indicated: Details about AOCI Components For the Years Ended September 30, Line Item in the Statement of Income 2022 2021 2020 Cash flow hedges: Interest (income) expense $ 22,740 $ 44,534 $ 24,757 Interest expense Net income tax effect (5,099) (9,352) (5,200) Income tax expense Net of income tax expense (benefit) $ 17,641 $ 35,182 $ 19,557 Amortization of defined benefit plan: Actuarial loss $ 495 $ 2,419 $ 2,288 (a) Net income tax effect (113) (555) (480) Income tax expense Net of income tax expense 382 1,864 1,808 Total reclassifications for the period $ 18,023 $ 37,046 $ 21,365 (a) These items are included in the computation of net period pension cost. See Note 13. EMPLOYEE BENEFIT PLANS

Income Taxes

Income Taxes	12 Months Ended
	Sep. 30, 2022
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Income Taxes	INCOME TAXES The components of the income tax provision are as follows: Year Ended September 30, 2022 2021 2020 Current tax expense (benefit): Federal $ 41,812 $ 31,043 $ (5,237) State 2,553 2,230 473 Deferred tax expense (benefit): Federal (24,691) (13,548) 20,487 State (2,185) (638) 1,205 Income tax provision $ 17,489 $ 19,087 $ 16,928 Reconciliation from tax at the federal statutory rate to the income tax provision is as follows: Year Ended September 30, 2022 2021 2020 Tax at statutory rate 21.0 % 21.0 % 21.0 % State tax, net 0.3 1.3 1.3 Non-taxable income from bank owned life insurance contracts (2.3) (2.1) (1.5) Non-deductible compensation 1.4 0.9 1.1 Equity based compensation (0.1) (1.3) (0.5) NOL carryback claim rate benefit under CARES Act — — (3.6) Other, net (1.3) (0.7) (0.9) Income tax provision 19.0 % 19.1 % 16.9 % Temporary differences between the financial statement carrying amounts and tax basis of assets and liabilities that gave rise to significant portions of net deferred taxes relate to the following: September 30, 2022 2021 Deferred tax assets: Loan loss reserve $ 27,659 $ 25,728 Deferred compensation 4,198 4,159 Lease liability 3,599 4,227 Property, equipment and software basis difference 1,413 1,263 Other 2,220 2,259 Total deferred tax assets 39,089 37,636 Deferred tax liabilities: FHLB stock basis difference 5,017 5,036 Mortgage servicing rights 1,551 1,699 Pension 2,119 2,220 Goodwill 2,132 2,137 Lease ROU asset 3,514 4,142 Deferred loan costs, net of fees 13,371 11,606 Other 2,219 2,051 Total deferred tax liabilities 29,923 28,891 Net deferred tax asset $ 9,166 $ 8,745 In the accompanying CONSOLIDATED STATEMENTS OF CONDITION the net deferred tax asset is included in Other assets. A valuation allowance is established to reduce deferred tax assets if it is more likely than not that the related tax benefits will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. There was no valuation allowance required at September 30, 2022 or 2021. Retained earnings at September 30, 2022 and 2021 included approximately $104,861 for which no provision for federal or state income tax has been made. This amount represents allocations of income during years prior to 1988 to bad debt deductions for tax purposes only. These qualifying and nonqualifying base year reserves and supplemental reserves will be recaptured into income in the event of certain distributions and redemptions. Such recapture would create income for tax purposes only, which would be subject to the then current corporate income tax rate. However, recapture would not occur upon the reorganization, merger, or acquisition of the Association, nor if the Association is merged or liquidated tax-free into a bank or undergoes a charter change. If the Association fails to qualify as a bank or merges into a nonbank entity, these reserves will be recaptured into income. The provisions of Accounting for Uncertainty in Income Taxes, codified within FASB ASC 740 “Income Taxes,” prescribe a recognition threshold and measurement attribute for the financial statement recognition and measurement for a tax position taken or expected to be taken in a tax return. FASB ASC 740 also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. Tax positions must meet a more-likely-than-not recognition threshold in order for the related tax benefit to be recognized or continue to be recognized. As of September 30, 2022 and 2021, the Company had no unrecognized tax benefits. The Company does not anticipate the total amount of unrecognized tax benefits to significantly change within the next twelve months. 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 recognized $0, $9, and $0 interest expense or penalties on income tax assessments, and $34, $116, and $0 of interest on income tax refunds related to net operating loss carrybacks during the years ended September 30, 2022, 2021 and 2020, respectively. There was no interest related to income tax assessments accrued at September 30, 2022 or 2021. The Company’s effective income tax rate was 19.0%, 19.1% and 16.9% for the years ended September 30, 2022, 2021 and 2020, respectively. The increase in the effective rate for the year ended September 30, 2021 compared to the same period during fiscal 2020 is primarily due to the impact of a CARES Act provision, which permitted a carry back of net tax operating losses to years taxed at higher rates, and resulted in a tax benefit of $3,607 during the year ended September 30, 2020. This is offset by an increase in permanent tax benefits from BOLI contracts. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state and city jurisdictions. With few exceptions, the Company is no longer subject to income tax examinations in its major jurisdictions for tax years prior to 2019. 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 for the years ended September 30, 2022, 2021 and 2020.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Sep. 30, 2022
Retirement Benefits [Abstract]
Employee Benefit Plans	EMPLOYEE BENEFIT PLANS 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. During the fiscal years ending 2022 and 2021, a settlement adjustment was recognized as a result of lump sum payments exceeding the interest costs for the year. The following table sets forth the change in projected benefit obligation for the defined benefit plan: September 30, 2022 2021 Projected benefit obligation at beginning of year $ 88,276 $ 94,941 Interest cost 2,628 2,536 Actuarial (gain) loss and other (19,783) (2,273) Settlement (4,292) (5,112) Benefits paid (1,814) (1,816) Projected benefit obligation at end of year $ 65,015 $ 88,276 The following table reconciles the beginning and ending balances of the fair value of Plan assets and presents the funded status of the Plan recognized in the CONSOLIDATED STATEMENTS OF CONDITION at the September 30 measurement dates. There were no employer contributions in the years ending September 30, 2022 and 2021. September 30, 2022 2021 Fair value of plan assets at beginning of year $ 97,971 $ 89,275 Actual return on plan assets (17,823) 15,624 Benefits paid (1,814) (1,816) Settlement (4,292) (5,112) Fair value of plan assets at end of year $ 74,042 $ 97,971 Funded status of the plan—asset (liability) $ 9,027 $ 9,695 The components of net periodic cost recognized in other non-interest expense in the CONSOLIDATED STATEMENTS OF INCOME are as follows: Year Ended September 30, 2022 2021 2020 Interest Cost $ 2,628 $ 2,536 $ 2,797 Expected return on plan assets (4,987) (4,997) (4,652) Amortization of net loss and other 576 1,466 2,288 Recognized net loss due to settlement 882 792 1,174 Net periodic benefit (income) cost $ (901) $ (203) $ 1,607 There were no contributions, required minimum or voluntary, made during the fiscal year ended September 30, 2022. Plan assets consist of investments in mutual funds and pooled separate accounts that invest in fixed securities such as asset backed securities, commercial mortgage backed securities and corporate bonds, in addition to some short-term securities such as commercial paper. The Plan reallocated some of its investments to long duration fixed income mutual funds as a strategy to reduce risk in the portfolio as funded status remains elevated. As the mutual funds invested in are traded in active markets with readily available prices, these types of investments are included in level 1 of the fair value hierarchy. Pooled separate accounts are valued at net asset value per share at the reporting date. The fair values of the underlying investments used to determine net asset value of the pooled separate accounts are primarily based on pricing from an independent third party pricing source. In accordance with Subtopic 820-10, certain investments measured at fair value using the net asset value per share practical expedient are not classified in the fair value hierarchy described in Note 16. FAIR VALUE . During fiscal years ending 2022 and 2021, the fair value of mutual funds were valued at $30,271 and $0, respectively, in level 1 of the fair value hierarchy. The following tables present the fair value of pooled separate account assets: September 30, 2022 2021 Fair Value Unfunded Commitments Redemption Frequency Redemption Notice Period Fair Value Unfunded Commitments Redemption Frequency Redemption Notice Period Pooled Separate Accounts $ 43,771 N/A Daily 7 days $ 97,971 N/A Daily 7 days There are no redemption restrictions on Plan assets at September 30, 2022. Redemptions may be deferred for a longer period if conditions do not permit an orderly transfer or for certain investments of an illiquid nature. The following additional information is provided with respect to the Plan: September 30, 2022 2021 2020 Assumptions and dates used to determine benefit obligations: Discount rate 5.35 % 2.85 % 2.65 % Rate of compensation increase n/a n/a n/a Assumptions used to determine net periodic benefit cost: Discount rate 4.60 % 2.80 % 3.20 % Long-term rate of return on plan assets 5.50 % 5.50 % 6.00 % Rate of compensation increase (graded scale) n/a n/a n/a The expected long-term return on plan assets assumption was developed as a weighted average rate based on the target asset allocation of the plan and the Long-Term Capital Market Assumptions for the corresponding fiscal year end. Management evaluates the historical performance of the various asset categories, as well as current expectations in determining the adequacy of the assumed rates of return in meeting Plan obligations. If warranted, the assumption is modified. The following table provides estimates of expected future benefit payments during each of the next five fiscal years, as well as in the aggregate for years six through ten. Additionally, the table includes the minimum employer contributions expected during the next fiscal year: Expected Benefit Payments During the Fiscal Years Ending September 30: 2023 $ 5,750 2024 4,530 2025 4,260 2026 4,300 2027 4,360 Aggregate expected benefit payments during the five fiscal year period beginning October 1, 2028, and ending September 30, 2032 23,540 Minimum employer contributions expected to be paid during the fiscal year ending September 30, 2023 — For the fiscal years ended September 30, 2022, 2021, and 2020, AOCI includes pretax net actuarial losses of $15,255, $13,686, and $28,843, respectively, which have not been recognized as components of net periodic benefit costs as of the measurement date. The Company expects that $1,020 of net actuarial losses will be recognized as AOCI components of net periodic benefit cost during the fiscal year ended September 30, 2023. 401(k) Savings Plan — The Company maintains a 401(k) savings plan that is comprised of three tiers. The first tier allows eligible employees to contribute up to 75% of their compensation to the plan, subject to limitations established by the Internal Revenue Service, with the Company matching 100% of up to 4% on funds contributed. The second tier permits the Company to make a profit-sharing contribution at its discretion. The first and second tiers cover substantially all employees who have reached age 18 and have worked 1,000 hours in one year of service. The third tier permits the Company to make discretionary contributions allocable to eligible employees including those eligible employees who are participants, but no longer receiving service credits, under the Company’s defined benefit pension plan. Voluntary contributions made by employees are vested at all times whereas Company contributions and Company matching contributions are subject to various vesting periods which range from immediately vested to fully vesting upon five years of service. The total of the Company’s matching and discretionary contributions related to the 401(k) savings plan for the years ended September 30, 2022, 2021 and 2020 was $4,295, $4,187 and $4,042, respectively. Employee (Associate) Stock Ownership Plan — The Company established an ESOP for its employees effective January 1, 2006. The ESOP is a tax-qualified plan designed to invest primarily in the Company’s common stock and provides employees with an opportunity to receive a funded retirement benefit, based on the value of the Company’s common stock. The ESOP covers all eligible employees of the Company and its wholly-owned subsidiaries. Employees are eligible to participate in the ESOP after attainment of age 18, completion of 1,000 hours of service, and employment on the last day of the plan’s calendar year. Company contributions to the plan are at the discretion of the Board of Directors. The ESOP is accounted for in accordance with the provisions for stock compensation in FASB ASC 718 . Compensation expense for the ESOP is based on the market price of the Company’s stock and is recognized as shares are committed to be released to participants. The total compensation expense related to this plan in the 2022, 2021 and 2020 fiscal years was $7,063, $8,270 and $7,367, respectively. The ESOP was authorized to purchase, and did purchase, 11,605,824 shares of the Company’s common stock at a price of $10 per share with a 2006 plan year cash contribution and the proceeds of a loan from the Company to the ESOP. The outstanding loan principal balance as of September 30, 2022 and 2021 was $41,927 and $46,454, respectively. Shares of the Company’s common stock pledged as collateral for the loan are released from the pledge for allocation to participants as loan payments are made. At September 30, 2022, 8,139,108 shares have been allocated to participants and 325,005 shares were committed to be released. Shares that are committed to be released will be allocated to participants at the end of the plan year (December 31). ESOP shares that are unallocated or not yet committed to be released totaled 3,141,711 at September 30, 2022, and had a fair market value of $40,842. Participants have the option to receive dividends on allocated shares in cash or leave the dividend in the ESOP. Dividends are reinvested in Company stock for those participants who choose to leave their dividends in the ESOP or who do not make an election. The purchase of Company stock for reinvestment of dividends is made in the open market on or about the date of the cash disbursement to the participants who opt to take dividends in cash. Dividends on unallocated shares held in the Employer Stock fund were paid to the trustee to be used to make payments on the outstanding loan obligation.

Equity Incentive Plan

Equity Incentive Plan	12 Months Ended
	Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]
Equity Incentive Plan	EQUITY INCENTIVE PLAN The TFS Financial Corporation Amended and Restated 2008 Equity Incentive Plan, approved by shareholders in February 2018 and the 2008 Equity Incentive Plan, approved by shareholders in May 2008, are collectively referred to as the "Equity Plan”. The amended and restated plan is substantially similar to the previous plan, except that the number of future shares eligible to be granted has been reduced to 8,450,000 shares, of which 7,418,782 shares remain available for future award, and the term to grant shares has been extended to February 21, 2028. The Company recorded excess tax benefits of $109, $1,331, and $485 related to share-based compensation awards for the years ended September 30, 2022, 2021 and 2020, respectively. The following table presents share-based compensation expense and the related tax benefit recognized during the periods presented: Year Ended September 30, 2022 2021 2020 Restricted stock units expense $ 3,206 $ 4,160 $ 3,303 Performance share units expense 739 1,214 917 Stock option expense — 68 531 Total stock-based compensation expense $ 3,945 $ 5,442 $ 4,751 Tax benefit related to share-based compensation expense $ 677 $ 999 $ 824 Restricted stock units vest over a one Company recognizes compensation expense for the fair value of restricted stock units on a straight-line basis over the requisite service period. The following is a summary of the status of the Company’s restricted stock units as of September 30, 2022 and changes therein during the year then ended: Number of Weighted Outstanding at September 30, 2021 1,281,910 $ 14.21 Granted 126,200 $ 17.80 Released (124,662) $ 17.53 Forfeited (25,550) $ 17.77 Outstanding at September 30, 2022 (1) 1,257,898 $ 14.17 (1) Includes 765,748 shares with a weighted average grant date fair value of $11.87 that have vested but will not be issued until the recipients are no longer employed by the Company. The weighted average grant date fair value of restricted stock units granted during the years ended September 30, 2022, 2021 and 2020 was $17.80, $17.77 and $19.76 per share, respectively. The total fair value of restricted stock units vested during the years ended September 30, 2022, 2021 and 2020 was $2,058, $6,981, and $1,676, respectively. Expected future compensation expense relating to the non-vested restricted stock units at September 30, 2022 is $3,598 over a weighted average period of 1.86 years. Performance share units vest in the form of Company common stock issued at the end of a three two The following is a summary of the status of the Company’s performance share units as of September 30, 2022 and changes therein during the year then ended. No awards were forfeited during the year ended September 30, 2022. Number of Weighted Outstanding at September 30, 2021 182,069 17.46 Granted 53,100 17.80 Released (71,692) 15.54 Performance adjustment 6,477 19.76 Outstanding at September 30, 2022 169,954 18.46 The weighted average grant date fair value of performance share units granted during the year ended September 30, 2022, 2021 and 2020 was $17.80, $17.77, and $19.76, respectively. The total fair value of performance share units vested during the years ended September 30, 2022, 2021 and 2020, respectively, totaled $1,112, $14, and $0. Expected future compensation expense relating to the non-vested performance share units at September 30, 2022 is $1,031 over a weighted average period of 1.83 years. Stock options have a contractual term of 10 years and vest over a one seven The following is a summary of the Company’s stock option activity and related information for the Equity Plan for the year ended September 30, 2022. There were no stock options granted during 2022, 2021 and 2020. Number of Weighted Weighted Aggregate Outstanding at September 30, 2021 2,463,300 $ 14.98 4.25 $ 10,095 Exercised (99,525) $ 11.16 $ 551 Forfeited (2,600) $ 15.82 $ — Outstanding at September 30, 2022 2,361,175 $ 15.14 3.32 $ 429 Vested and exercisable, at September 30, 2022 2,361,175 $ 15.14 3.32 $ 429 Vested or expected to vest, at September 30, 2022 2,361,175 $ 15.14 3.32 $ 429 The total intrinsic value of options exercised during the years ended September 30, 2022, 2021 and 2020 was $551, $8,605 and $3,941. There were no non-vested options outstanding as of September 30, 2022. Upon exercise of vested options, management expects to draw on treasury stock as the source of the shares.

Commitments And Contingent Liab

Commitments And Contingent Liabilities	12 Months Ended
	Sep. 30, 2022
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 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. The allowance for credit losses related to off-balance sheet commitments is recorded in other liabilities in the CONSOLIDATED STATEMENTS OF CONDITION . Refer to Note 5. LOANS AND ALLOWANCES FOR CREDIT LOSSES for discussion on credit loss methodology. 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 September 30, 2022, the Company had commitments to originate loans and related allowances as follows: Commitment Allowance Fixed-rate mortgage loans $ 229,194 $ 930 Adjustable-rate mortgage loans 152,057 616 Equity loans and lines of credit 157,465 1,977 Total $ 538,716 $ 3,523 At September 30, 2022, the Company had unfunded commitments outstanding and related allowances as follows: Commitment Allowance Home equity lines of credit $ 4,084,843 $ 22,876 Construction loans 72,273 623 Total $ 4,157,116 $ 23,499 At September 30, 2022, 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 $4,105,486. The above commitments are expected to be funded through normal operations. The Company is undergoing an escheat audit covering Ohio and Kentucky. Any potential loss that may result from this matter is not reasonably estimable at September 30, 2022. 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	12 Months Ended
	Sep. 30, 2022
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 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 September 30, 2022 and September 30, 2021, respectively, there were no pending agency contracts held for sale. For the years ended September 30, 2022, 2021, and 2020, net gain (loss) on the sale of loans includes $0, $134 and $2,026, respectively, related to unrealized gains or losses during the period due to changes in the fair value of loans held for sale subject to pending agency contracts. 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 September 30, 2022 and 2021, respectively, this includes $457,908 and $421,783 of investments in U.S. government and agency obligations including U.S. Treasury notes and highly liquid collateralized mortgage obligations issued by Fannie Mae, Freddie Mac, and Ginnie Mae, both 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 September 30, 2022 and 2021, there were $9,661 and $0, respectively, of loans held for sale measured at fair value and $0 and $8,848, respectively, of loans held for sale carried at cost. Interest income on mortgage loans held for sale is recorded in interest income on loans. Collateral-dependent Loans — Collateral-dependent loans represent certain loans held for investment that are subject to a fair value measurement under U.S. GAAP because they are individually evaluated using a fair value measurement, such as the fair value of the underlying collateral. Credit loss 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 5. LOANS AND ALLOWANCES FOR CREDIT LOSSES . To calculate the credit loss of collateral-dependent loans, the fair market values of the collateral, estimated using exterior appraisals in the majority of instances, are reduced by calculated estimated costs to dispose, derived from historical experience and recent market conditions. Any indicated credit loss is recognized by a charge to the allowance for credit losses. Subsequent increases in collateral values or principal pay downs on loans with recognized credit loss could result in a collateral-dependent loan being carried below its fair value. When no credit 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 repayment the Company can expect. The amortized cost of loans individually evaluated for credit loss 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 credit loss or when additional credit loss 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 are not evaluated based on collateral, are individually evaluated for credit loss using the present value of future cash flows based on the loan’s effective interest rate, which is not a fair value measurement. At September 30, 2022 and 2021, respectively, this included $76,692 and $84,594 in amortized costs of TDRs with related allowances for loss of $10,284 and $12,073. 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 September 30, 2022 and September 30, 2021 were $1,191 and $289, 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 September 30, 2022 and 2021, these adjustments were not significant to reported fair values. At September 30, 2022 and 2021, respectively, $1,192 and $66 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 costs to dispose of these properties. Real estate owned includes estimated costs to dispose of $156 and $9 related to properties measured at fair value and $155 and $231 of properties carried at their original or adjusted cost basis at September 30, 2022 and 2021, respectively. Derivatives — Derivative instruments include interest rate locks on commitments to originate loans for the held for sale portfolio, forward commitments on contracts to deliver mortgage loans, 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 are settled daily, bringing their fair value to $0. Refer to Note 17. DERIVATIVE INSTRUMENTS for additional information on cash flow hedges. 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. Forward commitments on contracts to deliver mortgage loans are included in Level 2 of the hierarchy. Assets and liabilities carried at fair value on a recurring basis in the CONSOLIDATED STATEMENTS OF CONDITION at September 30, 2022 and 2021 are summarized below. There are no liabilities carried at fair value at September 30, 2021. Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Assets Investment securities available for sale: REMIC’s $ 453,268 $ — $ 453,268 $ — Fannie Mae certificates 1,021 — 1,021 — U.S. government and agency obligations 3,619 $ — 3,619 — Total $ 457,908 $ — $ 457,908 $ — Liabilities Derivatives: Interest rate lock commitments 333 — — 333 Total $ 333 $ — $ — $ 333 Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Assets Investment securities available for sale: REMIC’s $ 416,241 $ — $ 416,241 $ — Fannie Mae certificates 5,542 — 5,542 — Derivatives: Interest rate lock commitments 525 — — 525 Total $ 422,308 $ — $ 421,783 $ 525 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). Interest Rate Lock Commitments Year Ended September 30, 2022 2021 2020 Beginning balance $ 525 $ 1,194 $ 44 (Loss)/Gain during the period due to changes in fair value: Included in other non-interest income (858) (669) 1,150 Ending balance $ (333) $ 525 $ 1,194 Change in unrealized gains for the period included in earnings for $ (333) $ 525 $ 1,194 Summarized in the tables below are those assets measured at fair value on a nonrecurring basis. Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Collateral-dependent loans, net of allowance $ 47,121 $ — $ — $ 47,121 Mortgage loans held for sale 9,661 — 9,661 — Real estate owned (1) 1,192 — — 1,192 Total $ 57,974 $ — $ 9,661 $ 48,313 ______________________ (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 Significant Other Significant Collateral-dependent loans, net of allowance $ 83,854 $ — $ — $ 83,854 Real estate owned (1) 66 — — 66 Total $ 83,920 $ — $ — $ 83,920 ______________________ (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 can include commitments on both mortgage origination applications and preapprovals. Preapprovals generally have a much lower closure rate than origination applications which is reflected in the aggregate weighted average closure rates shown below when applicable. Fair Value September 30, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $47,121 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 28% 4.7% Interest rate lock commitments $(333) Quoted Secondary Market pricing Closure rate 0 - 100% 93.7% Fair Value September 30, 2021 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $83,854 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 34% 4.0% Interest rate lock commitments $525 Quoted Secondary Market pricing Closure rate 0 - 100% 66.1% The following tables present the estimated fair value of the Company's financial instruments and their carrying amounts as reported in the CONSOLIDATED STATEMENTS OF CONDITION . September 30, 2022 Carrying Estimated Fair Value Amount Total Level 1 Level 2 Level 3 Assets: Cash and due from banks $ 18,961 $ 18,961 $ 18,961 $ — $ — Interest earning cash equivalents 350,603 350,603 350,603 — — Investment securities available for sale 457,908 457,908 — 457,908 — Mortgage loans held for sale 9,661 9,661 — 9,661 — Loans, net: Mortgage loans held for investment 14,253,804 13,106,346 — — 13,106,346 Other loans 3,263 3,263 — — 3,263 Federal Home Loan Bank stock 212,290 212,290 N/A — — Accrued interest receivable 40,256 40,256 — 40,256 — Cash collateral received from or held by counterparty 26,045 26,045 26,045 — — Liabilities: Checking and passbook accounts $ 3,056,506 $ 3,056,506 $ — $ 3,056,506 $ — Certificates of deposit 5,864,511 5,733,418 — 5,733,418 — Borrowed funds 4,793,221 4,734,377 — 4,734,377 — Borrowers’ advances for taxes and insurance 117,250 117,250 — 117,250 — Principal, interest and escrow owed on loans serviced 29,913 29,913 — 29,913 — Derivatives 333 333 — 333 September 30, 2021 Carrying Estimated Fair Value Amount Total Level 1 Level 2 Level 3 Assets: Cash and due from banks $ 27,346 $ 27,346 $ 27,346 $ — $ — Interest earning cash equivalents 460,980 460,980 460,980 — — Investment securities available for sale 421,783 421,783 — 421,783 — Mortgage loans held for sale 8,848 8,982 — 8,982 — Loans, net: Mortgage loans held for investment 12,506,257 12,777,375 — — 12,777,375 Other loans 2,778 2,778 — — 2,778 Federal Home Loan Bank stock 162,783 162,783 N/A — — Accrued interest receivable 31,107 31,107 — 31,107 — Cash collateral received from or held by counterparty 24,236 24,236 24,236 — — Derivatives 525 525 — — 525 Liabilities: Checking and passbook accounts $ 2,960,150 $ 2,960,150 $ — $ 2,960,150 $ — Certificates of deposit 6,033,455 6,118,018 — 6,118,018 — Borrowed funds 3,091,815 3,106,277 — 3,106,277 — Borrowers’ advances for taxes and insurance 109,633 109,633 — 109,633 — Principal, interest and escrow owed on loans serviced 41,476 41,476 — 41,476 — 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 Securities Available for Sale — 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. Collateral-dependent 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 estimated as 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 — 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 — Fair value is estimated based on the valuation techniques and inputs described earlier in this footnote.

Derivative Instruments

Derivative Instruments	12 Months Ended
	Sep. 30, 2022
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 September 30, 2022 and 2021, the interest rate swaps used in the Company's asset/liability management strategy have weighted average terms o f 2.7 years and 2.5 years and weighted average fixed-rate interest payments of 1.88% for both periods. Cash flow hedges are initially assessed for effectiveness using regression analysis. 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 during the period in which the hedged forecasted transaction affects earnings. Quarterly, a qualitative analysis is preformed to monitor the ongoing effectiveness of the hedging instrument. All derivative positions were initially and continue to be highly effective at September 30, 2022. The Company enters into forward commitments for the sale of mortgage loans principally to protect against the risk of lost revenue from 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 CONSOLIDATED STATEMENTS OF INCOME . In addition, the Company is party to derivative instruments when it enters into interest rate lock 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 STATEMENTS 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. September 30, 2022 September 30, 2021 Notional Value Fair Value Notional Value Fair Value Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets $ 1,550,000 $ — $ 250,000 $ — Other Liabilities — — 2,200,000 — Total cash flow hedges: Interest rate swaps $ 1,550,000 $ — $ 2,450,000 $ — Derivatives not designated as hedging instruments Interest rate lock commitments Other Assets $ — $ — $ 24,826 $ 525 Other Liabilities 9,170 (333) — — Total derivatives not designated as hedging instruments $ 9,170 $ (333) $ 24,826 $ 525 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. Location of Gain or (Loss) Year Ended September 30, 2022 2021 2020 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 141,163 $ 27,848 $ (115,396) Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds (22,740) (44,534) (16,982) Amount of gain/(loss) reclassified from AOCI-Due to discontinuance of cash flow hedge Interest expense: Borrowed funds — — (7,775) Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ (858) $ (669) $ 1,150 Forward commitments for the sale of mortgage loans Net gain/(loss) on the sale of loans — 134 (134) The Company estimates that $35,882 of the amounts reported in AOCI will be reclassified as a credit to interest expense during the fiscal year ending September 30, 2023. The economic lockdowns precipitated by the COVID-19 pandemic of 2020 caused unprecedented economic conditions resulting in extended low rates across the entire maturity spectrum, in which the Company decided to take advantage of this market condition. In the 2020 fiscal year the Company terminated four high cost interest rate swaps prior to their maturity. For the early termination of these swaps, the Company incurred $7,775 in additional interest rate expense and $48 in prepayment penalties. This additional interest rate expense is loss reclassified from AOCI during the year ended September 30, 2020 as a result of the discontinuance of the cash flow hedges because it was probable that the original forecasted transactions would not occur. These selected swaps were deemed beneficial to terminate as the Company would lower interest rate expense for future periods. 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. At September 30, 2022 and 2021, there was $26,045 and $24,236, respectively, included in other assets related to initial margin requirements held by the central clearing organization. For derivative transactions cleared through certain clearing parties, variation margin payments are recognized as settlements on a daily basis. The fair value of derivative instruments are presented on a gross basis, even when the derivative instruments are subject to master netting arrangements.

Parent Company Only Financial S

Parent Company Only Financial Statements	12 Months Ended
	Sep. 30, 2022
Condensed Financial Information Disclosure [Abstract]
Parent Company Only Financial Statements	PARENT COMPANY ONLY FINANCIAL STATEMENTS The following condensed financial statements for TFS Financial Corporation (parent company only) reflect the investments in, and transactions with, its wholly-owned subsidiaries. Intercompany activity is eliminated in the consolidated financial statements. September 30, 2022 2021 Statements of Condition Assets: Cash and due from banks $ 1,341 $ 5,357 Investment securities - available for sale 3,619 — Other loans: Demand loan due from Third Federal Savings and Loan 184,772 185,076 ESOP loan receivable 41,927 46,454 Investments in: Third Federal Savings and Loan 1,605,306 1,487,284 Non-thrift subsidiaries 8,104 6,381 Prepaid federal and state taxes — 655 Deferred income taxes 296 285 Accrued receivables and other assets 9,158 9,397 Total assets $ 1,854,523 $ 1,740,889 Liabilities and shareholders’ equity: Line of credit due non-thrift subsidiary $ 7,485 $ 5,836 Accrued expenses and other liabilities 2,532 2,773 Accrued federal and state income taxes 167 — Total liabilities 10,184 8,609 Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding — — Common stock, 0.01 par value, 700,000,000 shares authorized; 332,318,750 shares issued; 280,582,741 and 280,761,299 outstanding at September 30, 2022 and September 30, 2021, respectively 3,323 3,323 Paid-in capital 1,751,223 1,746,887 Treasury stock, at cost; 51,736,009 and 51,557,451 shares at September 30, 2022 and September 30, 2021, respectively (771,986) (768,035) Unallocated ESOP shares (31,417) (35,751) Retained earnings—substantially restricted 870,047 853,657 Accumulated other comprehensive income (loss) 23,149 (67,801) Total shareholders’ equity 1,844,339 1,732,280 Total liabilities and shareholders’ equity $ 1,854,523 $ 1,740,889 Years Ended September 30, 2022 2021 2020 Statements of Comprehensive Income (Loss) Interest income: Demand loan due from Third Federal Savings and Loan $ 1,600 $ 164 $ 1,412 ESOP loan 1,400 1,732 2,548 Other interest income 6 1 43 Investment securities available for sale 43 — — Total interest income 3,049 1,897 4,003 Interest expense: Borrowed funds from non-thrift subsidiaries 97 7 291 Total interest expense 97 7 291 Net interest income 2,952 1,890 3,712 Non-interest income: Intercompany service charges 30 85 77 Dividend from Third Federal Savings and Loan 56,000 55,000 57,000 Dividend from non-thrift subsidiary — — 16,000 Total other income 56,030 55,085 73,077 Non-interest expenses: Salaries and employee benefits 4,534 4,917 5,012 Professional services 1,456 1,566 1,323 Office property and equipment 13 3 10 Other operating expenses 223 176 254 Total non-interest expenses 6,226 6,662 6,599 Income before income tax benefit 52,756 50,313 70,190 Income tax benefit (2,826) (3,848) (4,404) Income before undistributed earnings of subsidiaries 55,582 54,161 74,594 Equity in undistributed earnings of subsidiaries (dividend in excess of earnings): Third Federal Savings and Loan 17,260 24,738 19,418 Non-thrift subsidiaries 1,723 2,108 (10,695) Net income 74,565 81,007 83,317 Change in net unrealized gain (loss) on securities available for sale (34,860) (3,733) 6,859 Change in cash flow hedges 127,093 56,096 (69,391) Change in pension obligation (1,283) 11,801 (54) Total other comprehensive income (loss) 90,950 64,164 (62,586) Total comprehensive income $ 165,515 $ 145,171 $ 20,731 Years Ended September 30, 2022 2021 2020 Statements of Cash Flows Cash flows from operating activities: Net income $ 74,565 $ 81,007 $ 83,317 Adjustments to reconcile net income to net cash provided by operating activities: (Equity in undistributed earnings of subsidiaries) dividend in excess of earnings: Third Federal Savings and Loan (17,260) (24,738) (19,418) Non-thrift subsidiaries (1,723) (2,108) 10,695 Deferred income taxes 81 204 2,114 ESOP and stock-based compensation expense 1,543 1,843 1,893 Net decrease (increase) in interest receivable and other assets 908 12,593 (3,337) Net increase (decrease) in accrued expenses and other liabilities 48 (200) 241 Net cash provided by operating activities 58,162 68,601 75,505 Cash flows from investing activities: Purchase of securities available for sale (4,071) — — Increase in balances lent to Third Federal Savings and Loan 304 (12,222) (31,899) Repayment of capital contributions from non-thrift subsidiaries — — 69,000 Net cash provided by (used in) investing activities (3,767) (12,222) 37,101 Cash flows from financing activities: Principal reduction of ESOP loan 4,527 4,063 3,719 Purchase of treasury shares (5,049) — (413) Dividends paid to common shareholders (58,297) (56,637) (55,465) Acquisition of treasury shares through net settlement (1,241) (5,591) (1,907) Net increase (decrease) in borrowings from non-thrift subsidiaries 1,649 1,787 (58,497) Net cash used in financing activities (58,411) (56,378) (112,563) Net increase (decrease) in cash and cash equivalents (4,016) 1 43 Cash and cash equivalents—beginning of year 5,357 5,356 5,313 Cash and cash equivalents—end of year $ 1,341 $ 5,357 $ 5,356

Earnings Per Share

Earnings Per Share	12 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Earnings Per Share	EARNINGS PER SHAREBasic 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 earnings per share amounts, 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 share 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 share units, determined to be contingently issuable and not participating securities, are excluded from the calculation of basic EPS. At September 30, 2022 and 2021, respectively, the ESOP held 3,141,711 and 3,575,051 shares, respectively that were neither allocated to participants nor committed to be released to participants. The following is a summary of the Company’s EPS calculations. For the Year Ended September 30, 2022 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 74,565 Less: income allocated to restricted stock units 1,510 Basic earnings per share: Income available to common shareholders 73,055 277,370,762 $ 0.26 Diluted earnings per share: Effect of dilutive potential common shares 1,315,603 Income available to common shareholders $ 73,055 278,686,365 $ 0.26 For the Year Ended September 30, 2021 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 81,007 Less: income allocated to restricted stock units 1,555 Basic earnings per share: Income available to common shareholders 79,452 276,694,594 $ 0.29 Diluted earnings per share: Effect of dilutive potential common shares 1,881,660 Income available to common shareholders $ 79,452 278,576,254 $ 0.29 For the Year Ended September 30, 2020 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 83,317 Less: income allocated to restricted stock units 1,579 Basic earnings per share: Income available to common shareholders 81,738 275,859,660 $ 0.30 Diluted earnings per share: Effect of dilutive potential common shares 1,943,398 Income available to common shareholders $ 81,738 277,803,058 $ 0.29 The following is a summary of outstanding stock options and restricted and performance share units that are excluded from the computation of diluted EPS because their inclusion would be anti-dilutive. For the Year Ended September 30, 2022 2021 2020 Options to purchase shares 407,100 133,800 573,500 Restricted and performance share units 50,000 — 44,030

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Sep. 30, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recent Accounting Pronouncements	RECENT ACCOUNTING PRONOUNCEMENTS Adopted in fiscal year ended September 30, 2022 In March of 2022, the FASB issued ASU 2022-01, Derivatives and Hedging (Topic 815), Fair Value Hedging - Portfolio Layer Method. The amendments in this Update amend the guidance in ASU 2017-12 relating to the "last-of-layer" method and rename the method as the "portfolio layer" method. It expands the scope of existing guidance so that entities can apply the portfolio layer method to portfolios of all financial assets, including both prepayable and nonprepayable financial assets. Additionally, the standards expands the current model to explicitly allow entities to designate multiple layers in a single portfolio as individual hedged items. This allows a larger portion of the interest rate risk associated with such a portfolio to be hedged. The Update is effective for fiscal years beginning after December 15, 2022, with early adoption permitted in any interim period after its issuance. The Company early adopted this Update effective April 1, 2022. This Update did not have a material impact on the Company's consolidated financial condition or results of operations. Issued but not yet adopted as of September 30, 2022 In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (Topic 326). The amendments in this Update eliminate the accounting guidance for TDR by creditors in Subtopic 310-40, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when the borrower is experiencing financial difficulty. This will be done by applying the loan refinancing and restructuring guidance to determine whether a modification results in a new loan or a continuation of an existing loan. Additionally, this amendment requires that an entity disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20. This update is effective for fiscal years beginning after December 15, 2022, with early adoption permitted. The Company is currently evaluating the impact that this accounting guidance may have on its consolidated financial condition or results of operations. The Company plans to adopt this guidance as of October 1, 2023.

Related Party Disclosures

Related Party Disclosures	12 Months Ended
	Sep. 30, 2022
Related Party Transactions [Abstract]
Related Party Transactions Disclosure	RELATED PARTY TRANSACTIONSThe Company has made loans and extensions of credit, in the ordinary course of business, to certain directors and executive officers. These loans were originated with normal credit terms, including interest rate and collateralization, and do not represent more than the normal risk of collection. The aggregate amount of loans to such related parties at September 30, 2022 and 2021 was $0 and $64, respectively

Description Of Business And S_2

Description Of Business And Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Sep. 30, 2022
Accounting Policies [Abstract]
Business	Business —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 other financial services. Third Federal Savings and Loan Association of Cleveland, MHC, its federally chartered mutual holding company parent, owned 80.95% of the outstanding shares of common stock of the Company at September 30, 2022. The Company’s primary operating subsidiaries include the Association and Third Capital, Inc. The Association is a federal savings association, which provides retail loan and savings products to its customers in Ohio and Florida, through its 37 full-service branches, five loan production offices, customer service call center and internet site. The Association also provides savings products, purchase mortgages, first mortgage refinance loans, home equity lines of credit, and home equity loans in states outside of its branch footprint. The Association also acquires first mortgage loans through a correspondent lending partnership. Third Capital, Inc. was formed to hold non-thrift investments and subsidiaries, which included 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, for which the Company recorded pre-tax income of $4,665 in 2020, representing its share of the gain on sale. The accounting and reporting policies of TFS Financial Corporation and its subsidiaries conform to accounting principles generally accepted in the United States of America and to general practices within the thrift industry. No material subsequent events have occurred requiring recognition in the consolidated financial statements or disclosure in the notes to the consolidated financial statements. The following is a description of the significant accounting and reporting policies, which the Company follows in preparing and presenting its consolidated financial statements.
Principles of Consolidation	Basis of Consolidation and Reporting —The consolidated financial statements of the Company include the accounts of TFS Financial Corporation and its wholly owned subsidiaries. Intercompany balances and transactions have been eliminated in consolidation. Estimates —The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates.
Cash and Cash Equivalents	Cash and Cash Equivalents —Cash and cash equivalents consist of working cash on hand, and demand and interest bearing deposits at other financial institutions with maturities of three months or less. For purposes of reporting cash flows, cash and cash equivalents also includes federal funds sold, when applicable. The Company has acknowledged informal agreements with banks where it maintains deposits. Under these agreements, service fees charged to the Company are waived provided certain average compensating balances are maintained throughout each month.
Investment Securities	Investment Securities —Our fixed-maturity securities are accounted for on an available-for-sale basis. Securities held as available-for-sale are reported at fair value, with the corresponding unrealized gains and (losses), net of deferred income taxes, reported in accumulated other comprehensive income. Management determines the appropriate classification of investment securities based on its intent and ability to hold at the time of purchase. Purchases of securities are accounted for on a trade-date or settlement-date bases, depending on the settlement terms. Realized gains and (losses) on securities are computed on a specific identification basis. Realized gains and (losses) also include changes in fair value on derivatives not designated as hedging instruments. Sales of securities are accounted for on a trade-date or settlement-date basis, depending on the settlement terms. A decline in the fair value of any available for sale security, below cost, is evaluated for credit loss. Credit loss is recognized in earnings if management intends, or will more likely than not be required, to sell the security before the recovery of its amortized cost basis. If the present value of cash flows expected to be collected is less than the amortized cost basis of the security, then a credit loss exists and an allowance would be recognized as a credit loss expense, limited to the difference between fair value and amortized cost. Non-credit related loss is recognized in other comprehensive income, net of applicable deferred income taxes. To determine whether a credit loss exists, the Company considers, among other things, adverse conditions related to the security, industry, geographic area, the payment schedule of the debt security and likelihood that the issuer will be able to make payments that increase in the future, failure of the issuer to make scheduled payments and all available information relevant to the securities collectability, changes in ratings assigned by a rating agency, and other credit enhancements that affect the securities expected performance. Investment income consist of interest and accretion (net of amortization). Interest is recognized on an accrual basis using the level-yield method. Premiums and discounts are amortized using the level-yield method. Derivative Instruments —Derivative instruments are carried at fair value in the Company's financial statements. For derivative instruments that are designated and qualify as cash flow hedges, changes in the fair value of the derivative instrument are reported as a component of other comprehensive income, net of tax, and reclassified into earnings in the same period during which the hedged transaction affects earnings. The earnings effect of the hedging instrument will be presented in the same income statement line item as the earnings effect of the hedged item. Accumulated other comprehensive income will be adjusted to a balance that reflects the cumulative change in the fair value of the hedging instrument. At the inception of a hedge, the Company documents certain items, including the relationship between the hedging instrument and the hedged item, the risk management objective and the nature of the risk being hedged, a description of how effectiveness will be measured, an evaluation of hedge transaction effectiveness and the benchmark interest rate or contractually specified interest rate being hedged. Hedge accounting is discontinued prospectively when (1) a derivative is no longer highly effective in offsetting changes in the fair value or cash flow of a hedged item, (2) a derivative expires or is sold, (3) a derivative is de-designated as a hedge, because it is unlikely that a forecasted transaction will occur, or (4) it is determined that designation of a derivative as a hedge is no longer appropriate. When hedge accounting is discontinued, the Company would continue to carry the derivative on the statement of condition at its fair value; however, changes in its fair value would be recorded in earnings instead of through OCI. For derivative instruments not designated as hedging instruments, the Company recognizes gains and (losses) on the derivative instrument in current earnings during the period of change.
Mortgage Banking Activity	Mortgage Banking Activity —Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Mortgage loans included in pending agency contracts to sell and securitize loans are carried at fair value. Fair value is based on quoted secondary market pricing for loan portfolios with similar characteristics and includes consideration of deferred fees (costs). Net unrealized gains or losses on loans carried at fair value, are recognized in a valuation allowance by charges to income. The Company retains servicing on loans that are sold and initially recognizes an asset for mortgage loan servicing rights based on the fair value of the servicing rights. Residential mortgage loans represent the single class of servicing rights and are measured at the lower of cost or fair value on a recurring basis. Mortgage loan servicing rights are reported net of accumulated amortization, which is recorded in proportion to, and over the period of, estimated net servicing revenues. The Company monitors prepayments and changes amortization of mortgage servicing rights accordingly. Fair values are estimated using discounted cash flows based on current interest rates and prepayment assumptions, and impairment is monitored each quarterly reporting period. The impairment analysis is based on predominant risk characteristics of the loans serviced, such as type, fixed- and adjustable-rate loans, original terms and interest rates. The amount of impairment recognized is the amount by which the mortgage loan servicing assets exceed their fair value. Servicing fee income net of amortization and other loan fees collected on loans serviced for others are included in Fees and service charges, net of amortization on the CONSOLIDATED STATEMENTS OF INCOME .
Derivative Instruments
Loans and Related Deferred Loan Expenses, net	Loans and Related Deferred Loan Expenses, net —Loans originated with the intent to hold into the foreseeable future are carried at unpaid principal balances adjusted for partial charge-offs, the allowance for credit losses and net deferred loan expenses. Interest on loans is accrued and credited to income as earned. Interest on loans is not recognized in income when collectability is uncertain. Loan fees and certain direct loan origination costs are deferred and recognized as an adjustment to interest income using the level-yield method over the contractual lives of related loans, if the loans are held for investment. If the loans are held for sale, net deferred fees (costs) are generally not amortized, but rather are recognized when the related loans are sold.
Allowance for Credit Losses, Policy or Methodology Change	The allowance for credit losses represents the estimate of lifetime losses in the loan portfolio and unfunded loan commitments. An allowance is established using relevant available information relating to past events, current conditions and supportable forecasts. The Company utilizes loan level regression models with forecasted economic data to derive the probability of default and loss given default factors. These factors are used to calculate the loan level credit loss over a 24-month period with an immediate reversion to historical mean loss rates for the remaining life of the loans.
Troubled Debt Restructuring	Loans are classified as TDRs when the original contractual terms are restructured to provide a concession to a borrower experiencing financial difficulty under terms that would not otherwise be available and the restructuring is the result of an agreement between the Company and the borrower or is imposed by a court or law. Concessions granted in TDRs may include a reduction of the stated interest rate, a reduction or forbearance of principal, an extension of the maturity date, a significant delay in payments, the removal of one or more borrowers from the obligation, or any combination of these.Residential mortgage loans, home equity loans and lines of credit and construction loans restructured in TDRs that are not evaluated based on collateral are separately evaluated for credit losses on a loan by loan basis at each reporting date for as long as they are reported as TDRs. The credit loss 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 amortized costs 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. These loans are evaluated using expected future cash flows because the borrower, not liquidation of the collateral, is expected to be the source of repayment for the loan. Other loans are not considered for restructuring.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 is unable to resume contractually scheduled 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 work 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.
Allowance for Loan Losses	Allowance for Credit Losses —The allowance for credit losses represents the estimate of lifetime losses in our loan portfolio and off-balance sheet commitments. The allowance for credit losses is assessed on a quarterly basis and provisions (releases) for credit losses are made accordingly. The allowance is established using relevant available information, relating to past events, current conditions and supportable economic forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Qualitative adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency status or likely recovery of previous loan charge-offs. The allowance for credit losses is increased by recoveries and decreased by charge-offs. Also, qualitative adjustments were made to reflect expected recovery of loan amounts previously charged-off, beyond what the model is able to project. For further discussion on the allowance for credit losses, non-accrual, impairment, and TDRs, see Note 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES . 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 amortized cost in the loans. Partial or full charge-offs are also recognized for the amount of credit losses on loans considered collateral-dependent when the borrower is experiencing financial difficulty as described by meeting the conditions below. • For residential mortgage loans, payments are greater than 180 days delinquent; • For home equity loans and lines of credit, and residential loans restructured in a TDR, payments are greater than 90 days delinquent; • For all classes of loans in a TDR COVID-19 forbearance plan, original contractual payments are greater than 150 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; • For all classes of loans, a COVID-19 forbearance plan has been extended greater than 12 months; • For all classes of loans in a COVID-19 repayment plan, modified contractual payments are greater than 90 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 amortized cost in the loan, net of anticipated mortgage insurance claims, exceeds the fair value, less estimated 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 amortized cost in the loan plus the balance of any senior liens exceeds the fair value, less estimated 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 such 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 will continue to be individually evaluated for credit loss until, at a minimum, the loss has been recovered.
Impaired Financing Receivable, Policy	For all classes of loans, a loan is considered collateral-dependent when, based on current information and events, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale of the collateral or foreclosure is probable. Factors considered in determining that a loan is collateral-dependent 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.
Real Estate Owned, net	Real Estate Owned, net —Real estate owned, net represents real estate acquired through foreclosure or deed in lieu of foreclosure and is initially recorded at fair value, less estimated costs to sell. Subsequent to acquisition, real estate owned is carried at the lower of cost or fair value, less estimated selling costs. Management performs periodic valuations and a valuation allowance is established by a charge to income for any excess of the carrying value over the fair value, less estimated costs to sell the property. Recoveries in fair value during the holding period are recognized until the valuation allowance is reduced to zero. Costs related to holding and maintaining the property are charged to expense.
Premises, Equipment, and Software, net	Premises, Equipment, and Software, net —Depreciation and amortization of premises, equipment and software is computed on a straight-line basis over the estimated useful lives of the related assets. Estimated lives are 31.5 years for office facilities and three
Lessee, Leases	Leases —At inception, all contracts are evaluated to determine if the arrangement contains a lease based on the terms and conditions. As a lessee, the Company recognizes leases with terms greater than one year 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. For further discussion on leases, see Note 8. LEASES .
Bank Owned Life Insurance Contracts	Bank Owned Life Insurance Contracts —Life insurance is provided under both whole and split dollar life insurance agreements. Policy premiums were prepaid and the Company will recover the premiums paid from the proceeds of the policies. The Company recognizes death benefits and growth in the cash surrender value of the policies in other non-interest income.
Goodwill	Goodwill —The excess of purchase price over the fair value of net assets of acquired companies is classified as goodwill and reported in Other Assets. Goodwill was $9,732 at September 30, 2022 and 2021. Goodwill is reviewed for impairment on an annual basis as of September 30. No impairment was identified as of September 30, 2022 or 2021.
Taxes on Income	Taxes on Income —Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Additional information about policies related to income taxes is included in Note 12. INCOME TAXES .
Deposits	Deposits —Interest on deposits is accrued and charged to expense monthly and is paid or credited in accordance with the terms of the accounts.
Treasury Stock	Treasury Stock— Acquisitions of treasury stock through stock repurchases are recorded at cost using the cost method of accounting. Repurchases may be made through open market purchases, block trades and in negotiated private transactions, subject to the availability of stock, general market conditions, the trading price of the stock, alternative uses for capital, and the Company’s financial performance. Repurchased shares will be available for general corporate purposes.
Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss) —AOCI consists of changes in pension obligations, changes in unrealized gains (losses) on securities available for sale and cash flow hedges, each of which is net of the related income tax
Revenue from Contracts with Customers	Revenue from Contracts with Customers — The core principle of the guidance requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled to receive in exchange for those goods or services. Three of the Company's revenue streams within scope of Topic 606 are the sales of REO, interchange income and deposit account and other transaction-based service fee income. Those streams are immaterial and therefore quantitative information regarding these streams is not disclosed.
Pension Benefits	Pension Benefits —The determination of our obligations and expense for pension benefits is dependent upon certain assumptions used in calculating such amounts. Key assumptions used in the actuarial valuations include the discount rate and expected long-term rate of return on plan assets. Actual results could differ from the assumptions and market driven rates may fluctuate. Significant differences in actual experience or significant changes in the assumptions could materially affect future pension obligations and expense.
Share-Based Compensation	Share-Based Compensation —Compensation expense for awards of equity instruments is recognized on a straight-line basis over the requisite service period based on the grant date fair value estimated in accordance with the provisions of FASB ASC 718 “Compensation—Stock Compensation”. All vested equity instruments are settled in stock. Forfeitures are recognized as they occur. Share-based compensation expense is included in Salaries and employee benefits in the CONSOLIDATED STATEMENTS OF INCOME . Tax benefits or deficiencies recognized for the difference between realized deductions and cumulative book compensation cost on share-based compensation awards are included in operating cash flows on the CONSOLIDATED STATEMENTS OF CASH FLOW . The grant date fair value of stock options is estimated using the Black-Scholes option-pricing model using assumptions for the expected option term, expected stock price volatility, risk-free interest rate, and expected dividend yield. Due to limited historical data on exercise of share options, the simplified method is used to estimate expected option term.
Marketing Costs	Marketing Costs—Marketing costs are expensed as incurred
Earnings per Share	Earnings per Share —Basic EPS is computed by dividing net income by the weighted-average number of shares of common stock outstanding. Outstanding shares include shares sold to subscribers, shares held by the Third Federal Foundation, shares of the Employee Stock Ownership Plan which have been allocated or committed to be released for allocation to participants, and shares held by Third Federal Savings, MHC. Unvested shares awarded in the Company's share-based compensation plan are treated as participating securities for purposes of the two-class method when they contain nonforfeitable rights to dividends, but are not included in the number of shares in the computation of basic EPS. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Diluted EPS is computed using the same method as basic EPS, but the weighted-average number of shares reflects the potential dilution, if any, of unexercised stock options, unvested shares of performance share units and unvested shares of restricted stock units that could occur if stock options were exercised and performance share units and restricted stock units were issued and converted into common stock. These potentially dilutive shares would then be included in the number of weighted-average shares outstanding for the period using the treasury stock method. At September 30, 2022, 2021 and 2020, potentially dilutive shares include stock options, restricted stock units and performance share units issued through share-based compensation plans.

Receivables, Loans, Notes Recei

Receivables, Loans, Notes Receivable, and Others (Policies)	12 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Loans and Leases Receivable, Past Due 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, regardless of the number of days in each month.

Fair Value Measures and Disclos

Fair Value Measures and Disclosures (Policies)	12 Months Ended
	Sep. 30, 2022
Fair Value Disclosures [Abstract]
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 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.

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Sep. 30, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Summary Of Actual Capital Amounts And Ratios Compared To Minimum Requirements	The following table summarizes the actual capital amounts and ratios of the Association as of September 30, 2022 and 2021, compared to the minimum capital adequacy requirements and the requirements for classification as a well capitalized institution. Minimum Requirements Actual For Capital To be “Well Capitalized” Amount Ratio Amount Ratio Amount Ratio September 30, 2022 Total Capital to Risk-Weighted Assets $ 1,666,677 18.84 % $ 707,788 8.00 % $ 884,734 10.00 % Tier 1 (Leverage) Capital to Net Average Assets 1,614,615 10.33 % 625,020 4.00 % 781,275 5.00 % Tier 1 Capital to Risk-Weighted Assets 1,614,615 18.25 % 530,841 6.00 % 707,788 8.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,614,615 18.25 % 398,130 4.50 % 575,077 6.50 % September 30, 2021 Total Capital to Risk-Weighted Assets $ 1,629,192 21.00 % $ 620,637 8.00 % $ 775,796 10.00 % Tier 1 (Leverage) Capital to Net Average Assets 1,585,124 11.15 % 568,751 4.00 % 710,939 5.00 % Tier 1 Capital to Risk-Weighted Assets 1,585,124 20.43 % 465,478 6.00 % 620,637 8.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,585,124 20.43 % 349,108 4.50 % 504,268 6.50 %

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Sep. 30, 2022
Investments [Abstract]
Unrealized Gain (Loss) on Investments	Available-for-sale securities are summarized in the tables below. Accrued interest in the periods presented is $1,122 and $852 as of September 30, 2022 and September 30, 2021, respectively, and is reported in accrued interest receivable on the CONSOLIDATED STATEMENTS OF CONDITION . September 30, 2022 Amortized Gross Fair Gains Losses REMICs $ 496,529 $ 1 $ (43,262) $ 453,268 Fannie Mae certificates 1,011 14 (4) 1,021 U.S. Government and agency obligations 4,057 — (438) 3,619 Total $ 501,597 $ 15 $ (43,704) $ 457,908 September 30, 2021 Amortized Gross Fair Gains Losses REMICs $ 415,149 $ 2,420 $ (1,328) $ 416,241 Fannie Mae certificates 5,393 149 — 5,542 Total $ 420,542 $ 2,569 $ (1,328) $ 421,783
Securities Portfolio by Maturity	The following is a summary of our securities portfolio by remaining period to contractual maturity and yield at September 30, 2022. Maturities are based on the final contractual payment dates, and do not reflect the impact of prepayments or early redemptions that may occur. There were no securities with a maturity of one year or less for either year presented. Weighted average yields are not presented on a tax-equivalent basis and are calculated by multiplying each carry value by its yield and dividing the sum of these results by the total carry values. We did not hold any tax-free securities. September 30, 2022 September 30, 2021 Amortized Cost Fair Value Weighted Average Yield Amortized Cost Fair Value Weighted Average Yield One to five years 15,476 14,775 2.06 % 18,373 18,680 1.83 % Five to ten years 38,927 37,204 2.30 % 34,904 35,364 1.22 % Ten years or greater 447,194 405,929 2.25 % 367,265 367,739 0.90 % Total $ 501,597 $ 457,908 2.25 % $ 420,542 $ 421,783 0.96 %
Debt Securities, Available-for-sale, Unrealized Loss Position, Fair Value	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 September 30, 2022 and 2021, were as follows: September 30, 2022 Less Than 12 Months 12 Months or More Total Estimated Unrealized Estimated Unrealized Estimated Unrealized Available for sale— REMICs $ 261,795 $ 17,260 $ 190,739 $ 26,002 $ 452,534 $ 43,262 Fannie Mae certificates 217 4 — — 217 4 U.S. Government and agency obligations 3,619 438 — — 3,619 438 Total $ 265,631 $ 17,702 $ 190,739 $ 26,002 $ 456,370 $ 43,704 September 30, 2021 Less Than 12 Months 12 Months or More Total Estimated Unrealized Estimated Unrealized Estimated Unrealized Available for sale— REMICs $ 201,279 $ 1,290 $ 6,261 $ 38 $ 207,540 $ 1,328

Loans And Allowance For Loan _2

Loans And Allowance For Loan Losses (Tables)	12 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Schedule of Loans Held For Investment	Loans held for investment consist of the following: September 30, September 30, 2022 2021 Real estate loans: Residential Core $ 11,539,859 $ 10,215,275 Residential Home Today 53,255 63,823 Home equity loans and lines of credit 2,633,878 2,214,252 Construction 121,759 80,537 Real estate loans 14,348,751 12,573,887 Other loans 3,263 2,778 Add (deduct): Deferred loan expenses, net 50,221 44,859 Loans-in-process (72,273) (48,200) Allowance for credit losses on loans (72,895) (64,289) Loans held for investment, net $ 14,257,067 $ 12,509,035
Schedule Of Recorded Investment In Loan Receivables That Are Past Due	An aging analysis of the amortized cost in loan receivables that are past due at September 30, 2022 and September 30, 2021 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, regardless of the number of days in each month. Balances are adjusted for deferred loan fees and expenses and any applicable loans-in-process. 30-59 Days 60-89 Days 90 Days Total Past Current Total September 30, 2022 Real estate loans: Residential Core $ 2,725 $ 1,491 $ 9,281 $ 13,497 $ 11,545,784 $ 11,559,281 Residential Home Today 1,341 770 861 2,972 49,836 52,808 Home equity loans and lines of credit 1,599 796 2,321 4,716 2,661,416 2,666,132 Construction — — — — 48,478 48,478 Total real estate loans 5,665 3,057 12,463 21,185 14,305,514 14,326,699 Other loans — — — — 3,263 3,263 Total $ 5,665 $ 3,057 $ 12,463 $ 21,185 $ 14,308,777 $ 14,329,962 30-59 60-89 90 Days Total Past Current Total September 30, 2021 Real estate loans: Residential Core $ 3,642 $ 2,263 $ 9,370 $ 15,275 $ 10,218,347 $ 10,233,622 Residential Home Today 948 961 2,068 3,977 59,432 63,409 Home equity loans and lines of credit 938 300 4,231 5,469 2,236,449 2,241,918 Construction — — — — 31,597 31,597 Total real estate loans 5,528 3,524 15,669 24,721 12,545,825 12,570,546 Other loans — — — — 2,778 2,778 Total $ 5,528 $ 3,524 $ 15,669 $ 24,721 $ 12,548,603 $ 12,573,324
Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status	The amortized cost of loan receivables in non-accrual status is summarized in the following table. Non-accrual with no ACL describes non-accrual loans which have no quantitative or individual valuation allowance, primarily because they have already been collaterally reviewed and any required charge-offs have been taken, but may be included in consideration of qualitative allowance factors. Balances are adjusted for deferred loan fees and expenses. There are no loans 90 or more days past due and still accruing at September 30, 2022 or September 30, 2021. September 30, 2022 September 30, 2021 Non-accrual with No ACL Total Non-accrual with No ACL Total Real estate loans: Residential Core $ 20,995 $ 22,644 $ 23,748 $ 24,892 Residential Home Today 5,753 6,037 7,730 8,043 Home equity loans and lines of credit 6,668 6,925 9,992 11,110 Total non-accrual loans $ 33,416 $ 35,606 $ 41,470 $ 44,045
Allowance for Credit Losses on Financing Receivables	Activity in the allowance for credit losses by portfolio segment is summarized as follows. See Note 15. COMMITMENTS AND CONTINGENT LIABILITIES for further details on the allowance for unfunded commitments. For the Year Ended September 30, 2022 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 44,523 $ 6,298 $ (247) $ 2,932 $ 53,506 Residential Home Today 15 (3,411) (249) 2,648 (997) Home equity loans and lines of credit 19,454 (3,820) (954) 5,352 20,032 Construction 297 (118) — 175 354 Total real estate loans 64,289 (1,051) (1,450) 11,107 72,895 Total Unfunded Loan Commitments (1) 24,970 2,051 — — 27,021 Total Allowance for Credit Losses $ 89,259 $ 1,000 $ (1,450) $ 11,107 $ 99,916 For the Year Ended September 30, 2021 Beginning Adoption of ASU 2016-13 Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 22,381 $ 23,927 $ (2,205) $ (1,965) $ 2,385 $ 44,523 Residential Home Today 5,654 (5,217) (2,232) (552) 2,362 15 Home equity loans and lines of credit 18,898 5,258 (7,627) (2,696) 5,621 19,454 Construction 4 127 146 — 20 297 Total real estate loans 46,937 24,095 (11,918) (5,213) 10,388 64,289 Total Unfunded Loan Commitments (1) $ — $ 22,052 $ 2,918 $ — $ — $ 24,970 Total Allowance for Credit Losses $ 46,937 $ 46,147 $ (9,000) $ (5,213) $ 10,388 $ 89,259 (1) Total allowance for unfunded loan commitments is recorded in other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit.
Schedule Of Recorded Investment In Troubled Debt Restructured Loans Modified	The amortized cost in TDRs by category as of September 30, 2022 and September 30, 2021 is shown in the tables below. September 30, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 30,071 $ 17,583 $ 10,896 $ 58,550 Residential Home Today 10,359 11,485 1,995 23,839 Home equity loans and lines of credit 22,636 2,743 1,268 26,647 Total $ 63,066 $ 31,811 $ 14,159 $ 109,036 September 30, 2021 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 33,394 $ 20,499 $ 12,962 $ 66,855 Residential Home Today 12,640 13,409 2,556 28,605 Home equity loans and lines of credit 26,550 3,424 1,675 31,649 Total $ 72,584 $ 37,332 $ 17,193 $ 127,109 For the Year Ended September 30, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 3,823 $ 1,533 $ 1,142 $ 6,498 Residential Home Today 202 1,071 45 1,318 Home equity loans and lines of credit 510 175 163 848 Total $ 4,535 $ 2,779 $ 1,350 $ 8,664 For the Year Ended September 30, 2021 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 9,364 $ 1,981 $ 1,614 $ 12,959 Residential Home Today 362 1,432 103 1,897 Home equity loans and lines of credit 1,466 1,223 417 3,106 Total $ 11,192 $ 4,636 $ 2,134 $ 17,962 For the Year Ended September 30, 2020 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 4,334 $ 3,233 $ 1,831 $ 9,398 Residential Home Today 1,112 1,962 610 3,684 Home equity loans and lines of credit 1,984 815 454 3,253 Total $ 7,430 $ 6,010 $ 2,895 $ 16,335 The table below summarizes information about 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 periods presented. For the Year Ended September 30, 2022 For the Year Ended September 30, 2021 For the Year Ended September 30, 2020 TDRs That Subsequently Defaulted Number of Recorded Number of Recorded Number of Recorded Residential Core 5 $ 780 6 $ 948 9 $ 1,394 Residential Home Today 5 90 7 194 9 441 Home equity loans and lines of credit 2 108 1 42 4 282 Total 12 $ 978 14 $ 1,184 22 $ 2,117
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. Revolving loans reported at amortized cost include home equity lines of credit currently in their draw period. Revolving loans converted to term are home equity lines of credit that are in repayment. Equity loans and bridge loans are segregated by origination year. Loans, or the portions of loans, classified as loss are fully charged-off in the period in which they are determined to be uncollectible; therefore they are not included in the following table. No Home Today loans are classified Special Mention. All construction loans are classified Pass. Balances are adjusted for deferred loan fees and expenses and any applicable loans-in-process. Revolving Loans Revolving Loans By fiscal year of origination Amortized Converted 2022 2021 2020 2019 2018 Prior Cost Basis To Term Total September 30, 2022 Real estate loans: Residential Core Pass $ 3,349,200 $ 2,251,075 $ 1,488,763 $ 629,090 $ 665,116 $ 3,141,907 $ — $ — $ 11,525,151 Special Mention — 292 — 108 464 816 — — 1,680 Substandard — 1,195 3,188 1,142 1,883 25,042 — — 32,450 Total Residential Core 3,349,200 2,252,562 1,491,951 630,340 667,463 3,167,765 — — 11,559,281 Residential Home Today (1) Pass — — — — — 45,408 — — 45,408 Substandard — — — — — 7,400 — — 7,400 Total Residential Home Today — — — — — 52,808 — — 52,808 Home equity loans and lines of credit Pass 98,904 30,614 9,204 8,036 6,965 11,247 2,400,095 89,448 2,654,513 Special Mention — 191 — — — — 898 640 1,729 Substandard — — 54 20 19 127 2,996 6,674 9,890 Total Home equity loans and lines of credit 98,904 30,805 9,258 8,056 6,984 11,374 2,403,989 96,762 2,666,132 Total Construction 37,810 10,668 — — — — — — 48,478 Total real estate loans Pass 3,485,914 2,292,357 1,497,967 637,126 672,081 3,198,562 2,400,095 89,448 14,273,550 Special Mention — 483 — 108 464 816 898 640 3,409 Substandard — $ 1,195 $ 3,242 $ 1,162 $ 1,902 $ 32,569 $ 2,996 $ 6,674 $ 49,740 Total real estate loans $ 3,485,914 $ 2,294,035 $ 1,501,209 $ 638,396 $ 674,447 $ 3,231,947 $ 2,403,989 $ 96,762 $ 14,326,699

Mortgage Loan Servicing Rights

Mortgage Loan Servicing Rights (Tables)	12 Months Ended
	Sep. 30, 2022
Disclosures Pertaining to Servicing Assets and Servicing Liabilities [Abstract]
Primary Economic Assumptions Used To Measure The Company's Retained Interest	Primary economic assumptions used to measure the value of the Company’s retained interests at the date of sale resulting from the completed transactions were as follows (per annum): 2022 2021 Primary prepayment speed assumptions (weighted average annual rate) 11.9 % 13.9 % Weighted average life (years) 24.1 22.9 Amortized cost to service loans (weighted average) 0.12 % 0.12 % Weighted average discount rate 12 % 12 %
Key Economic Assumptions And Sensitivity	Key economic assumptions and the sensitivity of the current fair value of mortgage loan servicing rights to immediate 10% and 20% adverse changes in those assumptions are as presented in the following table. The three key economic assumptions that impact the valuation of the mortgage loan servicing rights are: (1) the prepayment speed, or how long the mortgage servicing right will be outstanding; (2) the estimate of servicing costs that will be incurred in fulfilling the mortgage servicing right responsibilities; and (3) the discount factor applied to future net cash flows to convert them to present value. The Company established these factors based on independent analysis of our portfolio and reviews these assumptions periodically to ensure that they reasonably reflect current market conditions and our loan portfolio experience. September 30, 2022 Fair value of mortgage loan servicing rights $ 15,288 Prepayment speed assumptions (weighted average annual rate) 15.0 % Impact on fair value of 10% adverse change $ (567) Impact on fair value of 20% adverse change $ (1,083) Estimated prospective annual cost to service loans (weighted average) 0.12 % Impact on fair value of 10% adverse change $ (1,320) Impact on fair value of 20% adverse change $ (2,640) Discount rate 12.0 % Impact on fair value of 10% adverse change $ (528) Impact on fair value of 20% adverse change $ (1,017)
Activity In Mortgage Servicing Assets	Activity in mortgage servicing rights is summarized as follows: Year Ended September 30, 2022 2021 2020 Balance—beginning of year $ 8,941 $ 7,860 $ 8,080 Additions from loan securitizations/sales 657 3,836 1,613 Amortization (1) (1,655) (2,764) (1,824) Net change in valuation allowance — 9 (9) Balance—end of year $ 7,943 $ 8,941 $ 7,860 Fair value of capitalized amounts $ 15,288 $ 17,454 $ 12,487

Premises, Equipment And Softw_2

Premises, Equipment And Software, Net (Tables)	12 Months Ended
	Sep. 30, 2022
Property, Plant and Equipment, Net [Abstract]
Schedule Of Premises, Equipment And Software At Cost	Premises, equipment and software at cost are summarized as follows: September 30, 2022 2021 Land $ 8,610 $ 8,688 Office buildings 61,312 60,661 Furniture, fixtures and equipment 39,899 39,266 Software 20,048 19,962 Leasehold improvements 11,071 10,768 140,940 139,345 Less: accumulated depreciation and amortization (106,409) (101,925) Total $ 34,531 $ 37,420

Leases (Tables)

Leases (Tables)	12 Months Ended
	Sep. 30, 2022
Leases [Abstract]
Summary Of Operating Leases	The following table summarizes information relating to the Company's operating leases: September 30, 2022 2021 Right-of-use assets (a) $ 30,189 $ 27,923 Lease liabilities (b) $ 15,775 $ 18,461 Weighted Average Remaining Lease Term 5.06 years 5.51 years Weighted Average Discount Rate 1.49 % 1.51 % (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
Maturity Analysis Of Lease Liabilities	The following table summarizes the maturities of lease liabilities at the periods presented: September 30, 2022 2021 Maturing in: 12 months or less $ 4,953 $ 5,128 13 to 24 months 3,903 4,334 25 to 36 months 3,044 3,400 37 to 48 months 1,810 2,570 49 to 60 months 591 1,321 over 60 months 2,230 2,640 Total minimum lease payments 16,531 19,393 Less imputed interest 756 932 Total lease liabilities $ 15,775 $ 18,461

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Sep. 30, 2022
Deposits [Abstract]
Summary Of Deposit Account Balances	Deposit account balances are summarized by interest rate as follows: Stated September 30, 2022 2021 Amount Percent Amount Percent Checking accounts 0.00–1.00% $ 1,210,035 13.6 % $ 1,132,910 12.6 % Savings accounts, excluding money market accounts 0.00–1.05 1,364,821 15.3 1,263,309 14.0 Money market accounts 0.00–1.05 481,650 5.4 563,931 6.3 Subtotal 3,056,506 34.3 2,960,150 32.9 Certificates of deposit 0.00–0.99 3,157,495 35.4 3,335,102 37.1 1.00–1.99 1,002,227 11.2 808,105 9.0 2.00–2.99 1,320,579 14.8 1,574,939 17.5 3.00 and above 381,973 4.3 313,457 3.5 5,862,274 65.7 6,031,603 67.1 Subtotal 8,918,780 100.0 8,991,753 100.0 Accrued interest 2,237 — 1,852 — Total deposits $ 8,921,017 100.0 % $ 8,993,605 100.0 %
Scheduled Maturity Of Certificates Of Deposit	The scheduled maturity of certificates of deposit is as follows: September 30, 2022 Amount Percent Weighted 12 months or less $ 3,015,505 51.5 % 1.02 % 13 to 24 months 1,015,842 17.3 % 1.51 % 25 to 36 months 814,248 13.9 % 1.49 % 37 to 48 months 476,759 8.1 % 1.50 % 49 to 60 months 510,856 8.7 % 2.81 % Over 60 months 29,064 0.5 % 1.32 % Total $ 5,862,274 100.0 % 1.36 %
Scheduled Of Interest Expense On Deposits	Interest expense on deposits is summarized as follows: Year Ended September 30, 2022 2021 2020 Certificates of deposit $ 68,204 $ 93,187 $ 130,990 Checking accounts 4,186 1,140 1,477 Savings and Money Market accounts 4,553 2,992 7,775 Total $ 76,943 $ 97,319 $ 140,242

Borrowed Funds (Tables)

Borrowed Funds (Tables)	12 Months Ended
	Sep. 30, 2022
Debt Disclosure [Abstract]
Total Borrowings	Total borrowings at September 30, 2022 are summarized in the table below: Borrowing Capacity Borrowings Available Borrowings Outstanding FHLB $ 8,474,183 $ 3,912,447 $ 4,561,736 FRB Cleveland 168,001 168,001 — Fed Funds Purchased 595,000 370,000 225,000 Subtotal $ 9,237,184 $ 4,450,448 4,786,736 Accrued Interest 6,485 Total Borrowings $ 4,793,221
Schedule of Federal Home Loan Bank (FHLB) Borrowings	Maturities of borrowings at September 30, 2022 are summarized in the table below: Amount Weighted Average Rate Maturing in: 12 months or less $ 2,225,182 2.93 % 13 to 24 months 775,000 1.50 % 25 to 36 months 625,000 1.42 % 37 to 48 months 500,789 1.97 % 49 to 60 months 600,000 2.72 % over 60 months 60,765 2.93 % Total Advances $ 4,786,736 2.38 % Accrued interest 6,485 Total $ 4,793,221

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Sep. 30, 2022
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The change in AOCI by component is as follows: Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Fiscal year 2020 activity Balance at September 30, 2019 $ (2,165) $ (44,915) $ (22,299) $ (69,379) Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $(22,316) 6,859 (88,948) (1,862) (83,951) Amounts reclassified, net of tax expense (benefit) of $5,680 — 19,557 1,808 21,365 Other comprehensive income (loss) 6,859 (69,391) (54) (62,586) Balance at September 30, 2020 $ 4,694 $ (114,306) $ (22,353) $ (131,965) Fiscal year 2021 activity Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $8,656 (3,733) 20,914 9,937 27,118 Amounts reclassified, net of tax expense (benefit) of $9,907 — 35,182 1,864 37,046 Other comprehensive income (loss) (3,733) 56,096 11,801 64,164 Balance at September 30, 2021 $ 961 $ (58,210) $ (10,552) $ (67,801) Fiscal year 2022 activity Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $21,242 (34,860) 109,452 (1,665) 72,927 Amounts reclassified, net of tax expense (benefit) of $5,212 — 17,641 382 18,023 Other comprehensive income (loss) (34,860) 127,093 (1,283) 90,950 Balance at September 30, 2022 $ (33,899) $ 68,883 $ (11,835) $ 23,149
Reclassification out of Accumulated Other Comprehensive Income	The following table presents the reclassification adjustment out of AOCI included in net income and the corresponding line item on the CONSOLIDATED STATEMENTS OF INCOME for the periods indicated: Details about AOCI Components For the Years Ended September 30, Line Item in the Statement of Income 2022 2021 2020 Cash flow hedges: Interest (income) expense $ 22,740 $ 44,534 $ 24,757 Interest expense Net income tax effect (5,099) (9,352) (5,200) Income tax expense Net of income tax expense (benefit) $ 17,641 $ 35,182 $ 19,557 Amortization of defined benefit plan: Actuarial loss $ 495 $ 2,419 $ 2,288 (a) Net income tax effect (113) (555) (480) Income tax expense Net of income tax expense 382 1,864 1,808 Total reclassifications for the period $ 18,023 $ 37,046 $ 21,365 (a) These items are included in the computation of net period pension cost. See Note 13. EMPLOYEE BENEFIT PLANS

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Sep. 30, 2022
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Schedule Of Components Of The Income Tax Provision	The components of the income tax provision are as follows: Year Ended September 30, 2022 2021 2020 Current tax expense (benefit): Federal $ 41,812 $ 31,043 $ (5,237) State 2,553 2,230 473 Deferred tax expense (benefit): Federal (24,691) (13,548) 20,487 State (2,185) (638) 1,205 Income tax provision $ 17,489 $ 19,087 $ 16,928
Schedule Of Reconciliation From Tax At The Statutory Rate To The Income Tax Provision	Reconciliation from tax at the federal statutory rate to the income tax provision is as follows: Year Ended September 30, 2022 2021 2020 Tax at statutory rate 21.0 % 21.0 % 21.0 % State tax, net 0.3 1.3 1.3 Non-taxable income from bank owned life insurance contracts (2.3) (2.1) (1.5) Non-deductible compensation 1.4 0.9 1.1 Equity based compensation (0.1) (1.3) (0.5) NOL carryback claim rate benefit under CARES Act — — (3.6) Other, net (1.3) (0.7) (0.9) Income tax provision 19.0 % 19.1 % 16.9 %
Schedule Of Deferred Tax Recognition Of Revenue And Expenses	Temporary differences between the financial statement carrying amounts and tax basis of assets and liabilities that gave rise to significant portions of net deferred taxes relate to the following: September 30, 2022 2021 Deferred tax assets: Loan loss reserve $ 27,659 $ 25,728 Deferred compensation 4,198 4,159 Lease liability 3,599 4,227 Property, equipment and software basis difference 1,413 1,263 Other 2,220 2,259 Total deferred tax assets 39,089 37,636 Deferred tax liabilities: FHLB stock basis difference 5,017 5,036 Mortgage servicing rights 1,551 1,699 Pension 2,119 2,220 Goodwill 2,132 2,137 Lease ROU asset 3,514 4,142 Deferred loan costs, net of fees 13,371 11,606 Other 2,219 2,051 Total deferred tax liabilities 29,923 28,891 Net deferred tax asset $ 9,166 $ 8,745

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Sep. 30, 2022
Retirement Benefits [Abstract]
Change In Projected Benefit Obligation For The Defined Benefit Plan	The following table sets forth the change in projected benefit obligation for the defined benefit plan: September 30, 2022 2021 Projected benefit obligation at beginning of year $ 88,276 $ 94,941 Interest cost 2,628 2,536 Actuarial (gain) loss and other (19,783) (2,273) Settlement (4,292) (5,112) Benefits paid (1,814) (1,816) Projected benefit obligation at end of year $ 65,015 $ 88,276
Reconciliation Of The Beginning And Ending Balances Of The Fair Value Of Plan Assets And Funded Status Of The Plan	The following table reconciles the beginning and ending balances of the fair value of Plan assets and presents the funded status of the Plan recognized in the CONSOLIDATED STATEMENTS OF CONDITION at the September 30 measurement dates. There were no employer contributions in the years ending September 30, 2022 and 2021. September 30, 2022 2021 Fair value of plan assets at beginning of year $ 97,971 $ 89,275 Actual return on plan assets (17,823) 15,624 Benefits paid (1,814) (1,816) Settlement (4,292) (5,112) Fair value of plan assets at end of year $ 74,042 $ 97,971 Funded status of the plan—asset (liability) $ 9,027 $ 9,695
Components Of Net Periodic Benefit Cost Recognized In The Statement Of Income	The components of net periodic cost recognized in other non-interest expense in the CONSOLIDATED STATEMENTS OF INCOME are as follows: Year Ended September 30, 2022 2021 2020 Interest Cost $ 2,628 $ 2,536 $ 2,797 Expected return on plan assets (4,987) (4,997) (4,652) Amortization of net loss and other 576 1,466 2,288 Recognized net loss due to settlement 882 792 1,174 Net periodic benefit (income) cost $ (901) $ (203) $ 1,607
Fair Value Of Plan Assets By Asset Category At The Measurement Date	The following tables present the fair value of pooled separate account assets: September 30, 2022 2021 Fair Value Unfunded Commitments Redemption Frequency Redemption Notice Period Fair Value Unfunded Commitments Redemption Frequency Redemption Notice Period Pooled Separate Accounts $ 43,771 N/A Daily 7 days $ 97,971 N/A Daily 7 days
Schedule Of Additional Information Is Provided With Respect To The Plan	The following additional information is provided with respect to the Plan: September 30, 2022 2021 2020 Assumptions and dates used to determine benefit obligations: Discount rate 5.35 % 2.85 % 2.65 % Rate of compensation increase n/a n/a n/a Assumptions used to determine net periodic benefit cost: Discount rate 4.60 % 2.80 % 3.20 % Long-term rate of return on plan assets 5.50 % 5.50 % 6.00 % Rate of compensation increase (graded scale) n/a n/a n/a
Estimates Of Expected Future Benefit Payments	The following table provides estimates of expected future benefit payments during each of the next five fiscal years, as well as in the aggregate for years six through ten. Additionally, the table includes the minimum employer contributions expected during the next fiscal year: Expected Benefit Payments During the Fiscal Years Ending September 30: 2023 $ 5,750 2024 4,530 2025 4,260 2026 4,300 2027 4,360 Aggregate expected benefit payments during the five fiscal year period beginning October 1, 2028, and ending September 30, 2032 23,540 Minimum employer contributions expected to be paid during the fiscal year ending September 30, 2023 —

Equity Incentive Plan (Tables)

Equity Incentive Plan (Tables)	12 Months Ended
	Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]
Summary of Share-based Compensation Expense	The following table presents share-based compensation expense and the related tax benefit recognized during the periods presented: Year Ended September 30, 2022 2021 2020 Restricted stock units expense $ 3,206 $ 4,160 $ 3,303 Performance share units expense 739 1,214 917 Stock option expense — 68 531 Total stock-based compensation expense $ 3,945 $ 5,442 $ 4,751 Tax benefit related to share-based compensation expense $ 677 $ 999 $ 824
Summary Of The Status Of The Company's Restricted Stock Units And Changes	The following is a summary of the status of the Company’s restricted stock units as of September 30, 2022 and changes therein during the year then ended: Number of Weighted Outstanding at September 30, 2021 1,281,910 $ 14.21 Granted 126,200 $ 17.80 Released (124,662) $ 17.53 Forfeited (25,550) $ 17.77 Outstanding at September 30, 2022 (1) 1,257,898 $ 14.17
Share-based Payment Arrangement, Performance Shares, Activity [Table Text Block]	The following is a summary of the status of the Company’s performance share units as of September 30, 2022 and changes therein during the year then ended. No awards were forfeited during the year ended September 30, 2022. Number of Weighted Outstanding at September 30, 2021 182,069 17.46 Granted 53,100 17.80 Released (71,692) 15.54 Performance adjustment 6,477 19.76 Outstanding at September 30, 2022 169,954 18.46
Summary Of The Company's Stock Option Activity And Related Information For The Equity Plan	The following is a summary of the Company’s stock option activity and related information for the Equity Plan for the year ended September 30, 2022. There were no stock options granted during 2022, 2021 and 2020. Number of Weighted Weighted Aggregate Outstanding at September 30, 2021 2,463,300 $ 14.98 4.25 $ 10,095 Exercised (99,525) $ 11.16 $ 551 Forfeited (2,600) $ 15.82 $ — Outstanding at September 30, 2022 2,361,175 $ 15.14 3.32 $ 429 Vested and exercisable, at September 30, 2022 2,361,175 $ 15.14 3.32 $ 429 Vested or expected to vest, at September 30, 2022 2,361,175 $ 15.14 3.32 $ 429

Commitments And Contingent Li_2

Commitments And Contingent Liabilities (Tables)	12 Months Ended
	Sep. 30, 2022
Commitments and Contingencies Disclosure [Abstract]
Schedule Of Commitments To Originate And Unfunded Commitments	At September 30, 2022, the Company had commitments to originate loans and related allowances as follows: Commitment Allowance Fixed-rate mortgage loans $ 229,194 $ 930 Adjustable-rate mortgage loans 152,057 616 Equity loans and lines of credit 157,465 1,977 Total $ 538,716 $ 3,523 At September 30, 2022, the Company had unfunded commitments outstanding and related allowances as follows: Commitment Allowance Home equity lines of credit $ 4,084,843 $ 22,876 Construction loans 72,273 623 Total $ 4,157,116 $ 23,499

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Sep. 30, 2022
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 September 30, 2022 and 2021 are summarized below. There are no liabilities carried at fair value at September 30, 2021. Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Assets Investment securities available for sale: REMIC’s $ 453,268 $ — $ 453,268 $ — Fannie Mae certificates 1,021 — 1,021 — U.S. government and agency obligations 3,619 $ — 3,619 — Total $ 457,908 $ — $ 457,908 $ — Liabilities Derivatives: Interest rate lock commitments 333 — — 333 Total $ 333 $ — $ — $ 333 Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Assets Investment securities available for sale: REMIC’s $ 416,241 $ — $ 416,241 $ — Fannie Mae certificates 5,542 — 5,542 — Derivatives: Interest rate lock commitments 525 — — 525 Total $ 422,308 $ — $ 421,783 $ 525
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). Interest Rate Lock Commitments Year Ended September 30, 2022 2021 2020 Beginning balance $ 525 $ 1,194 $ 44 (Loss)/Gain during the period due to changes in fair value: Included in other non-interest income (858) (669) 1,150 Ending balance $ (333) $ 525 $ 1,194 Change in unrealized gains for the period included in earnings for $ (333) $ 525 $ 1,194
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 September 30, Quoted Prices in Significant Other Significant Collateral-dependent loans, net of allowance $ 47,121 $ — $ — $ 47,121 Mortgage loans held for sale 9,661 — 9,661 — Real estate owned (1) 1,192 — — 1,192 Total $ 57,974 $ — $ 9,661 $ 48,313 ______________________ (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 Significant Other Significant Collateral-dependent loans, net of allowance $ 83,854 $ — $ — $ 83,854 Real estate owned (1) 66 — — 66 Total $ 83,920 $ — $ — $ 83,920 ______________________
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 can include commitments on both mortgage origination applications and preapprovals. Preapprovals generally have a much lower closure rate than origination applications which is reflected in the aggregate weighted average closure rates shown below when applicable. Fair Value September 30, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $47,121 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 28% 4.7% Interest rate lock commitments $(333) Quoted Secondary Market pricing Closure rate 0 - 100% 93.7% Fair Value September 30, 2021 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $83,854 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 34% 4.0% Interest rate lock commitments $525 Quoted Secondary Market pricing Closure rate 0 - 100% 66.1%
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 CONSOLIDATED STATEMENTS OF CONDITION . September 30, 2022 Carrying Estimated Fair Value Amount Total Level 1 Level 2 Level 3 Assets: Cash and due from banks $ 18,961 $ 18,961 $ 18,961 $ — $ — Interest earning cash equivalents 350,603 350,603 350,603 — — Investment securities available for sale 457,908 457,908 — 457,908 — Mortgage loans held for sale 9,661 9,661 — 9,661 — Loans, net: Mortgage loans held for investment 14,253,804 13,106,346 — — 13,106,346 Other loans 3,263 3,263 — — 3,263 Federal Home Loan Bank stock 212,290 212,290 N/A — — Accrued interest receivable 40,256 40,256 — 40,256 — Cash collateral received from or held by counterparty 26,045 26,045 26,045 — — Liabilities: Checking and passbook accounts $ 3,056,506 $ 3,056,506 $ — $ 3,056,506 $ — Certificates of deposit 5,864,511 5,733,418 — 5,733,418 — Borrowed funds 4,793,221 4,734,377 — 4,734,377 — Borrowers’ advances for taxes and insurance 117,250 117,250 — 117,250 — Principal, interest and escrow owed on loans serviced 29,913 29,913 — 29,913 — Derivatives 333 333 — 333 September 30, 2021 Carrying Estimated Fair Value Amount Total Level 1 Level 2 Level 3 Assets: Cash and due from banks $ 27,346 $ 27,346 $ 27,346 $ — $ — Interest earning cash equivalents 460,980 460,980 460,980 — — Investment securities available for sale 421,783 421,783 — 421,783 — Mortgage loans held for sale 8,848 8,982 — 8,982 — Loans, net: Mortgage loans held for investment 12,506,257 12,777,375 — — 12,777,375 Other loans 2,778 2,778 — — 2,778 Federal Home Loan Bank stock 162,783 162,783 N/A — — Accrued interest receivable 31,107 31,107 — 31,107 — Cash collateral received from or held by counterparty 24,236 24,236 24,236 — — Derivatives 525 525 — — 525 Liabilities: Checking and passbook accounts $ 2,960,150 $ 2,960,150 $ — $ 2,960,150 $ — Certificates of deposit 6,033,455 6,118,018 — 6,118,018 — Borrowed funds 3,091,815 3,106,277 — 3,106,277 — Borrowers’ advances for taxes and insurance 109,633 109,633 — 109,633 — Principal, interest and escrow owed on loans serviced 41,476 41,476 — 41,476 —

Derivative Instruments (Tables)

Derivative Instruments (Tables)	12 Months Ended
	Sep. 30, 2022
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. September 30, 2022 September 30, 2021 Notional Value Fair Value Notional Value Fair Value Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets $ 1,550,000 $ — $ 250,000 $ — Other Liabilities — — 2,200,000 — Total cash flow hedges: Interest rate swaps $ 1,550,000 $ — $ 2,450,000 $ — Derivatives not designated as hedging instruments Interest rate lock commitments Other Assets $ — $ — $ 24,826 $ 525 Other Liabilities 9,170 (333) — — Total derivatives not designated as hedging instruments $ 9,170 $ (333) $ 24,826 $ 525
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. Location of Gain or (Loss) Year Ended September 30, 2022 2021 2020 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 141,163 $ 27,848 $ (115,396) Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds (22,740) (44,534) (16,982) Amount of gain/(loss) reclassified from AOCI-Due to discontinuance of cash flow hedge Interest expense: Borrowed funds — — (7,775) Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ (858) $ (669) $ 1,150 Forward commitments for the sale of mortgage loans Net gain/(loss) on the sale of loans — 134 (134)

Parent Company Only Financial_2

Parent Company Only Financial Statements (Tables)	12 Months Ended
	Sep. 30, 2022
Condensed Financial Information Disclosure [Abstract]
Schedule Of Statements Of Condition	September 30, 2022 2021 Statements of Condition Assets: Cash and due from banks $ 1,341 $ 5,357 Investment securities - available for sale 3,619 — Other loans: Demand loan due from Third Federal Savings and Loan 184,772 185,076 ESOP loan receivable 41,927 46,454 Investments in: Third Federal Savings and Loan 1,605,306 1,487,284 Non-thrift subsidiaries 8,104 6,381 Prepaid federal and state taxes — 655 Deferred income taxes 296 285 Accrued receivables and other assets 9,158 9,397 Total assets $ 1,854,523 $ 1,740,889 Liabilities and shareholders’ equity: Line of credit due non-thrift subsidiary $ 7,485 $ 5,836 Accrued expenses and other liabilities 2,532 2,773 Accrued federal and state income taxes 167 — Total liabilities 10,184 8,609 Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding — — Common stock, 0.01 par value, 700,000,000 shares authorized; 332,318,750 shares issued; 280,582,741 and 280,761,299 outstanding at September 30, 2022 and September 30, 2021, respectively 3,323 3,323 Paid-in capital 1,751,223 1,746,887 Treasury stock, at cost; 51,736,009 and 51,557,451 shares at September 30, 2022 and September 30, 2021, respectively (771,986) (768,035) Unallocated ESOP shares (31,417) (35,751) Retained earnings—substantially restricted 870,047 853,657 Accumulated other comprehensive income (loss) 23,149 (67,801) Total shareholders’ equity 1,844,339 1,732,280 Total liabilities and shareholders’ equity $ 1,854,523 $ 1,740,889
Schedule Of Statements Of Comprehensive Income	Years Ended September 30, 2022 2021 2020 Statements of Comprehensive Income (Loss) Interest income: Demand loan due from Third Federal Savings and Loan $ 1,600 $ 164 $ 1,412 ESOP loan 1,400 1,732 2,548 Other interest income 6 1 43 Investment securities available for sale 43 — — Total interest income 3,049 1,897 4,003 Interest expense: Borrowed funds from non-thrift subsidiaries 97 7 291 Total interest expense 97 7 291 Net interest income 2,952 1,890 3,712 Non-interest income: Intercompany service charges 30 85 77 Dividend from Third Federal Savings and Loan 56,000 55,000 57,000 Dividend from non-thrift subsidiary — — 16,000 Total other income 56,030 55,085 73,077 Non-interest expenses: Salaries and employee benefits 4,534 4,917 5,012 Professional services 1,456 1,566 1,323 Office property and equipment 13 3 10 Other operating expenses 223 176 254 Total non-interest expenses 6,226 6,662 6,599 Income before income tax benefit 52,756 50,313 70,190 Income tax benefit (2,826) (3,848) (4,404) Income before undistributed earnings of subsidiaries 55,582 54,161 74,594 Equity in undistributed earnings of subsidiaries (dividend in excess of earnings): Third Federal Savings and Loan 17,260 24,738 19,418 Non-thrift subsidiaries 1,723 2,108 (10,695) Net income 74,565 81,007 83,317 Change in net unrealized gain (loss) on securities available for sale (34,860) (3,733) 6,859 Change in cash flow hedges 127,093 56,096 (69,391) Change in pension obligation (1,283) 11,801 (54) Total other comprehensive income (loss) 90,950 64,164 (62,586) Total comprehensive income $ 165,515 $ 145,171 $ 20,731
Schedule Of Statements Of Cash Flows	Years Ended September 30, 2022 2021 2020 Statements of Cash Flows Cash flows from operating activities: Net income $ 74,565 $ 81,007 $ 83,317 Adjustments to reconcile net income to net cash provided by operating activities: (Equity in undistributed earnings of subsidiaries) dividend in excess of earnings: Third Federal Savings and Loan (17,260) (24,738) (19,418) Non-thrift subsidiaries (1,723) (2,108) 10,695 Deferred income taxes 81 204 2,114 ESOP and stock-based compensation expense 1,543 1,843 1,893 Net decrease (increase) in interest receivable and other assets 908 12,593 (3,337) Net increase (decrease) in accrued expenses and other liabilities 48 (200) 241 Net cash provided by operating activities 58,162 68,601 75,505 Cash flows from investing activities: Purchase of securities available for sale (4,071) — — Increase in balances lent to Third Federal Savings and Loan 304 (12,222) (31,899) Repayment of capital contributions from non-thrift subsidiaries — — 69,000 Net cash provided by (used in) investing activities (3,767) (12,222) 37,101 Cash flows from financing activities: Principal reduction of ESOP loan 4,527 4,063 3,719 Purchase of treasury shares (5,049) — (413) Dividends paid to common shareholders (58,297) (56,637) (55,465) Acquisition of treasury shares through net settlement (1,241) (5,591) (1,907) Net increase (decrease) in borrowings from non-thrift subsidiaries 1,649 1,787 (58,497) Net cash used in financing activities (58,411) (56,378) (112,563) Net increase (decrease) in cash and cash equivalents (4,016) 1 43 Cash and cash equivalents—beginning of year 5,357 5,356 5,313 Cash and cash equivalents—end of year $ 1,341 $ 5,357 $ 5,356

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Summary Of Earnings Per Share	The following is a summary of the Company’s EPS calculations. For the Year Ended September 30, 2022 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 74,565 Less: income allocated to restricted stock units 1,510 Basic earnings per share: Income available to common shareholders 73,055 277,370,762 $ 0.26 Diluted earnings per share: Effect of dilutive potential common shares 1,315,603 Income available to common shareholders $ 73,055 278,686,365 $ 0.26 For the Year Ended September 30, 2021 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 81,007 Less: income allocated to restricted stock units 1,555 Basic earnings per share: Income available to common shareholders 79,452 276,694,594 $ 0.29 Diluted earnings per share: Effect of dilutive potential common shares 1,881,660 Income available to common shareholders $ 79,452 278,576,254 $ 0.29 For the Year Ended September 30, 2020 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 83,317 Less: income allocated to restricted stock units 1,579 Basic earnings per share: Income available to common shareholders 81,738 275,859,660 $ 0.30 Diluted earnings per share: Effect of dilutive potential common shares 1,943,398 Income available to common shareholders $ 81,738 277,803,058 $ 0.29
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share	The following is a summary of outstanding stock options and restricted and performance share units that are excluded from the computation of diluted EPS because their inclusion would be anti-dilutive. For the Year Ended September 30, 2022 2021 2020 Options to purchase shares 407,100 133,800 573,500 Restricted and performance share units 50,000 — 44,030

Description Of Business And S_3

Description Of Business And Summary Of Significant Accounting Policies (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2022 USD ($) offices branches	Sep. 30, 2021 USD ($)	Sep. 30, 2020 USD ($)
Property, Plant and Equipment, Net	$ 34,531	$ 37,420
Gain (Loss) on Sale of Properties	181	0	$ 4,665
Financing Receivable, Allowance for Credit Loss	99,916	89,259	46,937
Goodwill, Gross	9,732	9,732
Goodwill, impairment	0	0
Loans and Leases Receivable, Allowance	$ 72,895	$ 64,289
Third Federal Savings And Loan
Full-service branches | branches	37
Loan production offices | offices	5
Common Stock | Third Federal Savings MHC
Mutual Holding Companies Percentage Of ownership In TFS Financial	80.95%
Commercial Office Building | Subsidiary Limited Liability Company
Gain (Loss) on Sale of Properties			$ 4,665
Building
Useful life	31 years 6 months
Equipment and Software | Minimum
Useful life	3 years
Equipment and Software | Maximum
Useful life	10 years
Leasehold or building improvements
Useful life	10 years

Stock Transactions (Details)

Stock Transactions (Details) - Common Stock - shares		12 Months Ended
	Apr. 20, 2007	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020	Oct. 27, 2016
Class of Stock [Line Items]
Shares issued to Subscribers	100,199,618
Shares Issued to Subscribers, percentage	30.16%
Shares Issued to Third Federal Foundation	5,000,000
Shares Issued to Third Federal Foundation, Percentage	1.50%
Eighth Repurchase Program
Class of Stock [Line Items]
Number of shares authorized to be repurchased					10,000,000
Shares repurchased		337,259	0	20,500
Number of shares remaining to repurchase		5,553,820
Shares Repurchased Programs One Through Seven
Class of Stock [Line Items]
Number of shares repurchased under previous repurchase plans		51,300,000
Shares Repurchased To Date
Class of Stock [Line Items]
Number of shares repurchased under previous repurchase plans		55,746,180

Regulatory Matters Regulatory M

Regulatory Matters Regulatory Matters (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Third Federal Savings And Loan
Related Party Transaction [Line Items]
Dividends paid to the Company by the Association	$ 56,000	$ 55,000

Regulatory Matters (Summary Of

Regulatory Matters (Summary Of Actual Capital Amounts And Ratios Compared To Minimum Requirements) (Details) - Third Federal Savings And Loan $ in Thousands	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Actual [Abstract]
Total Capital to Risk-Weighted Assets, Actual Amount	$ 1,666,677	$ 1,629,192
Core Capital to Adjusted Tangible Assets, Actual Amount	1,614,615	1,585,124
Tier 1 Capital to Risk-Weighted Assets, Actual Amount	1,614,615	1,585,124
Common Equity Tier One Capital	$ 1,614,615	$ 1,585,124
Total Capital to Risk-Weighted Assets, Actual Ratio	0.1884	0.2100
Core Capital to Adjusted Tangible Assets, Actual Ratio	0.1033	0.1115
Tier 1 Capital to Risk-Weighted Assets, Actual Ratio	0.1825	0.2043
Common Equity Tier One Capital Ratio	0.1825	0.2043
For Capital Adequacy Purposes [Abstract]
Total Capital to Risk-Weighted Assets Required For Capital Adequacy Purposes, Minimum Amount	$ 707,788	$ 620,637
Core Capital to Adjusted Tangible Assets Required For Capital Adequacy Purposes, Minimum Amount	625,020	568,751
Tier One Risk Based Capital Required for Capital Adequacy	530,841	465,478
Common Equity Tier One Capital Required for Capital Adequacy	$ 398,130	$ 349,108
Total Capital to Risk-Weighted Assets Required For Capital Adequacy Purposes, Minimum Ratio	0.0800	0.0800
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400	0.0400
Tier One Risk Based Capital Required for Capital Adequacy to Risk-Weighted Assets	0.0600	0.0600
Common Equity Tier 1 Capital to Risk-Weighted Assets for Capital Adequacy Purposes, Minimum Ratio	0.0450	0.0450
To Be Well Capitalized Under Prompt Corrective Action Provision [Abstract]
Total Capital to Risk-Weighted Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Amount	$ 884,734	$ 775,796
Core Capital to Adjusted Tangible Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Amount	781,275	710,939
Tier 1 Capital to Risk-Weighted Assets, Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Amount	707,788	620,637
Common Equity Tier One Capital Required to be Well-Capitalized	$ 575,077	$ 504,268
Total Capital to Risk-Weighted Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Ratio	0.1000	0.1000
Core Capital to Adjusted Tangible Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Ratio	0.0500	0.0500
Tier 1 Capital to Risk-Weighted Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Ratio	0.0800	0.0800
Common Equity Tier 1 Capital to Risk-Weighted Assets to be Well Capitalized Under Prompt Corrective Action Provision, Minimum Ratio	0.0650	0.0650

Investment Securities (Investme

Investment Securities (Investments Securities Available For Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Debt Securities, Available-for-sale [Line Items]
Accrued interest receivable	$ 40,256	$ 31,107
Debt Securities, Available-for-sale, Amortized Cost	(501,597)	(420,542)
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	15	2,569
Available-for-sale securities, gross unrealized losses	(43,704)	(1,328)
Investment securities available-for-sale	457,908	421,783
Investment Securities
Debt Securities, Available-for-sale [Line Items]
Accrued interest receivable	1,122	852
REMICs
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	(496,529)	(415,149)
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	1	2,420
Available-for-sale securities, gross unrealized losses	(43,262)	(1,328)
Investment securities available-for-sale	453,268	416,241
Fannie Mae certificates
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	(1,011)	(5,393)
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	14	149
Available-for-sale securities, gross unrealized losses	(4)	0
Investment securities available-for-sale	1,021	$ 5,542
US Treasury Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	(4,057)
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0
Available-for-sale securities, gross unrealized losses	(438)
Investment securities available-for-sale	$ 3,619

Investment Securities (Gross Un

Investment Securities (Gross Unrealized Losses On Securities And The Estimated Fair Value Of The Related Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 265,631
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	17,702
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	190,739
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	26,002
Debt Securities, Available-for-sale, Unrealized Loss Position	456,370
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	43,704
REMICs
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	261,795	$ 201,279
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	17,260	1,290
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	190,739	6,261
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	26,002	38
Debt Securities, Available-for-sale, Unrealized Loss Position	452,534	207,540
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	43,262	$ 1,328
Fannie Mae Certificates
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	217
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	4
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0
Debt Securities, Available-for-sale, Unrealized Loss Position	217
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	4
US Treasury Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	3,619
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	438
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0
Debt Securities, Available-for-sale, Unrealized Loss Position	3,619
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 438

Investment Securities Maturitie

Investment Securities Maturities And Yield (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	$ 0	$ 0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	15,476	18,373
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$ 14,775	$ 18,680
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year One Through Five	2.06%	1.83%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$ 38,927	$ 34,904
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$ 37,204	$ 35,364
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 5 Through 10	2.30%	1.22%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	$ 447,194	$ 367,265
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	$ 405,929	$ 367,739
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 10	2.25%	0.90%
Debt Securities, Available-for-sale, Amortized Cost	$ 501,597	$ 420,542
Debt Securities, Available-for-Sale, Weighted Average Yield	2.25%	0.96%
Investment securities available-for-sale	$ 457,908	$ 421,783

Loans And Allowance For Loan _3

Loans And Allowance For Loan Losses (Loans Held For Investment) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Loan Portfolio [Line Items]
Deferred loan fees-net	$ 50,221	$ 44,859
Loans-in-process	(72,273)	(48,200)
Allowance for loan losses	(72,895)	(64,289)
Loans, net	14,257,067	12,509,035
Other Loans
Loan Portfolio [Line Items]
Loans, gross	3,263	2,778
Real Estate Loans
Loan Portfolio [Line Items]
Loans, gross	14,348,751	12,573,887
Real Estate Loans | Residential Core
Loan Portfolio [Line Items]
Loans, gross	11,539,859	10,215,275
Real Estate Loans | Residential Home Today
Loan Portfolio [Line Items]
Loans, gross	53,255	63,823
Real Estate Loans | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Loans, gross	2,633,878	2,214,252
Real Estate Loans | Construction Loans
Loan Portfolio [Line Items]
Loans, gross	$ 121,759	$ 80,537

Loans And Allowance For Loan _4

Loans And Allowance For Loan Losses (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Loan Portfolio [Line Items]
Accrued interest receivable	$ 40,256	$ 31,107
Loans classified as mortgage loans held for sale	9,661	8,848
Transfer of Loans Held-for-sale to Portfolio Loans	22,741	$ 0	$ 0
Home Today loans Originated After September 2016
Loan Portfolio [Line Items]
Loans, gross	$ 0
Home Equity Loans And Lines Of Credit | California
Loan Portfolio [Line Items]
Residential real estate loans held, percent	16%	15%
Home Equity Loans And Lines Of Credit | Ohio
Loan Portfolio [Line Items]
Residential real estate loans held, percent	27%	29%
Home Equity Loans And Lines Of Credit | Florida
Loan Portfolio [Line Items]
Residential real estate loans held, percent	20%	20%
Residential Core, Home Today and Construction Loans | Ohio
Loan Portfolio [Line Items]
Residential real estate loans held, percent	56%	55%
Residential Core, Home Today and Construction Loans | Florida
Loan Portfolio [Line Items]
Residential real estate loans held, percent	18%	18%
Other Loans
Loan Portfolio [Line Items]
Loans, gross	$ 3,263	$ 2,778
Other Loans | Nonperforming
Loan Portfolio [Line Items]
Loans, gross	0	0
Loans
Loan Portfolio [Line Items]
Accrued interest receivable	39,124	30,255
Adjustable Rate Residential Mortgage | Residential Core
Loan Portfolio [Line Items]
Loans, gross	4,668,089	4,646,760
Loan Sales
Loan Portfolio [Line Items]
Financing Receivable, Sale	$ 128,118	762,332
Maximum | LTV 85 Percent Prior To March 26, 2020 | Construction Loans
Loan Portfolio [Line Items]
Loan To Completed Appraised Value, Percentage	85%
Real Estate Loans
Loan Portfolio [Line Items]
Loans, gross	$ 14,348,751	12,573,887
Real Estate Loans | Construction Loans
Loan Portfolio [Line Items]
Loans, gross	121,759	80,537
Real Estate Loans | Residential Home Today
Loan Portfolio [Line Items]
Loans, gross	53,255	63,823
Real Estate Loans | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Loans, gross	2,633,878	2,214,252
Real Estate Loans | Residential Core
Loan Portfolio [Line Items]
Loans, gross	$ 11,539,859	$ 10,215,275

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	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 14,329,962	$ 12,573,324
Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,263	2,778
Financing Receivables, 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	5,665	5,528
Financing Receivables, 30 to 59 Days Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Financing Receivables, 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,057	3,524
Financing Receivables, 60 to 89 Days Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	12,463	15,669
Financing Receivables, Equal to Greater than 90 Days Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	21,185	24,721
Financial Asset, Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	14,308,777	12,548,603
Financial Asset, Not Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,263	2,778
Real Estate Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	14,326,699	12,570,546
Real Estate Loans | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	11,559,281	10,233,622
Real Estate Loans | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	52,808	63,409
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,666,132	2,241,918
Real Estate Loans | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	48,478	31,597
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	5,665	5,528
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,725	3,642
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,341	948
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,599	938
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,057	3,524
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,491	2,263
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	770	961
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	796	300
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	12,463	15,669
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	9,281	9,370
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	861	2,068
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,321	4,231
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Real Estate Loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	21,185	24,721
Real Estate Loans | Financial Asset, Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	13,497	15,275
Real Estate Loans | Financial Asset, Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,972	3,977
Real Estate Loans | Financial Asset, Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	4,716	5,469
Real Estate Loans | Financial Asset, Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Real Estate Loans | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	14,305,514	12,545,825
Real Estate Loans | Financial Asset, Not Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	11,545,784	10,218,347
Real Estate Loans | Financial Asset, Not Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	49,836	59,432
Real Estate Loans | Financial Asset, Not Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,661,416	2,236,449
Real Estate Loans | Financial Asset, Not Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 48,478	$ 31,597

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	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Impaired Financing Receivable, Interest Income, Cash Basis Method	$ 740	$ 929
Performing
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	23,159	28,385
Performing Chapter 7 Bankruptcy
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	13,526	16,495
Real Estate Loans
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	35,606	44,045
Financing Receivable, Nonaccrual, No Allowance	33,416	41,470
Financing Receivable, 90 Days or More Past Due, Still Accruing	0	0
Loans in process of foreclosure	9,833	2,296
Real Estate Loans | Residential Core
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	22,644	24,892
Financing Receivable, Nonaccrual, No Allowance	20,995	23,748
Real Estate Loans | Residential Home Today
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	6,037	8,043
Financing Receivable, Nonaccrual, No Allowance	5,753	7,730
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	6,925	11,110
Financing Receivable, Nonaccrual, No Allowance	$ 6,668	$ 9,992

Loans And Allowance For Credit

Loans And Allowance For Credit Losses (Allowance For Credit Losses And Classified Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Loan Portfolio [Line Items]
Residential Mortgage Loans, Partial Or Full Charge-off, 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
TDR Forbearance Plan , Past Due	150 days
All Classes Of Loans Collateral Evaluated For Partial or Full Charge-Off, Sheriff Sale Scheduled Number Of Days To Sell	60 days
All Classes Of Loans All Borrowers Filed Chapter 7 Bankruptcy, Recognized Charge-off, Days Since Notification	60 days
Partial or full charge off recognized, all classes of loans borrower filed bankruptcy, collateral recognized, days past due	30 days
Partial or full charge off recognized, all classes of loans, COVID-19 forbearance plan has been extended greater than number of months	12 months
Partial or full charge off recognized, all classes of loans, COVID-19 repayment Plan, revised greater than, number of days	90 days
Financing Receivable, Allowance for Credit Loss, Recovery	$ (11,107)	$ (10,388)
Financing Receivable, before Allowance for Credit Loss	14,329,962	12,573,324
Real Estate Loans
Loan Portfolio [Line Items]
Financing Receivable, Allowance for Credit Loss, Recovery	(11,107)	(10,388)
Financing Receivable, before Allowance for Credit Loss	14,326,699	12,570,546
Real Estate Loans | Special Mention
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,409	27,909
Real Estate Loans | Pass
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	14,273,550	12,456,413
Qualitative component of allowance
Loan Portfolio [Line Items]
Financing Receivable, Allowance for Credit Loss, Recovery	(7,085)
Troubled Debt Restructuring | Present Value Of Cash Flows
Loan Portfolio [Line Items]
Allowance on loans evaluated for impairment based on the present value of cash flows	10,284	12,073
Residential Home Today | Real Estate Loans
Loan Portfolio [Line Items]
Financing Receivable, Allowance for Credit Loss, Recovery	(2,648)	(2,362)
Financing Receivable, before Allowance for Credit Loss	52,808	63,409
Residential Home Today | Real Estate Loans | Special Mention
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	0
Residential Home Today | Real Estate Loans | Pass
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	45,408	53,076
Other Loans
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,263	2,778
Residential Mortgage Loans And Home Equity Lines Of Credit | Special Mention
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 102	$ 24,042

Loans And Allowance For Loan _7

Loans And Allowance For Loan Losses (Schedule Of Activity In The Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses	$ 89,259	$ 46,937
Financing Receivable, Credit Loss, Expense (Reversal)	1,000	(9,000)
Charge-offs	(1,450)	(5,213)
Recoveries	11,107	10,388
Allowance for Credit Losses	99,916	89,259
Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		46,147
Unfunded Loan Commitment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses	24,970	0
Financing Receivable, Credit Loss, Expense (Reversal)	2,051	2,918
Charge-offs	0	0
Recoveries	0	0
Allowance for Credit Losses	27,021	24,970
Unfunded Loan Commitment | Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		22,052
Real Estate Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses	64,289	46,937
Financing Receivable, Credit Loss, Expense (Reversal)	(1,051)	(11,918)
Charge-offs	(1,450)	(5,213)
Recoveries	11,107	10,388
Allowance for Credit Losses	72,895	64,289
Real Estate Loans | Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		24,095
Real Estate Loans | Residential Core
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses	44,523	22,381
Financing Receivable, Credit Loss, Expense (Reversal)	6,298	(2,205)
Charge-offs	(247)	(1,965)
Recoveries	2,932	2,385
Allowance for Credit Losses	53,506	44,523
Real Estate Loans | Residential Core | Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		23,927
Real Estate Loans | Residential Home Today
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses	15	5,654
Financing Receivable, Credit Loss, Expense (Reversal)	(3,411)	(2,232)
Charge-offs	(249)	(552)
Recoveries	2,648	2,362
Allowance for Credit Losses	(997)	15
Real Estate Loans | Residential Home Today | Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		(5,217)
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses	19,454	18,898
Financing Receivable, Credit Loss, Expense (Reversal)	(3,820)	(7,627)
Charge-offs	(954)	(2,696)
Recoveries	5,352	5,621
Allowance for Credit Losses	20,032	19,454
Real Estate Loans | Home Equity Loans And Lines Of Credit | Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		5,258
Real Estate Loans | Construction Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses	297	4
Financing Receivable, Credit Loss, Expense (Reversal)	(118)	146
Charge-offs	0	0
Recoveries	175	20
Allowance for Credit Losses	$ 354	297
Real Estate Loans | Construction Loans | Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		$ 127

Loans And Allowance For Loan _8

Loans And Allowance For Loan Losses (Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 14,329,962	$ 12,573,324
Financing Receivable, Allowance for Credit Loss	99,916	89,259	$ 46,937
Financing Receivable, Revolving, Converted to Term Loan During Period	436	6,088
Other Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,263	2,778
Loans, gross	3,263	2,778
Other Loans | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Loans, gross	0	0
Pass | Troubled Debt Restructuring | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Impaired Financing Receivable, Recorded Investment	75,904	83,708
Special Mention | Residential Mortgage Loans And Home Equity Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	102	24,042
Substandard | Residential Mortgage Loans And Home Equity Lines Of Credit | Active Forbearance Plans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	5,381	28,029
Real Estate Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	3,485,914	2,736,627
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	2,294,035	1,830,762
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,501,209	801,528
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	638,396	877,667
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	674,447	1,032,693
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,231,947	3,153,948
Financing Receivable, Revolving	2,403,989	1,996,123
Financing Receivable, Revolving, Converted to Term Loan	96,762	141,198
Financing Receivable, before Allowance for Credit Loss	14,326,699	12,570,546
Financing Receivable, Allowance for Credit Loss	72,895	64,289	46,937
Loans, gross	14,348,751	12,573,887
Real Estate Loans | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	3,349,200	2,660,493
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	2,252,562	1,812,384
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,491,951	789,042
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	630,340	865,719
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	667,463	1,021,966
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,167,765	3,084,018
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted to Term Loan	0	0
Financing Receivable, before Allowance for Credit Loss	11,559,281	10,233,622
Financing Receivable, Allowance for Credit Loss	53,506	44,523	22,381
Loans, gross	11,539,859	10,215,275
Real Estate Loans | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	52,808	63,409
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted to Term Loan	0	0
Financing Receivable, before Allowance for Credit Loss	52,808	63,409
Financing Receivable, Allowance for Credit Loss	(997)	15	5,654
Loans, gross	53,255	63,823
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	98,904	48,427
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	30,805	14,488
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	9,258	12,486
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	8,056	11,948
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,984	10,727
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	11,374	6,521
Financing Receivable, Revolving	2,403,989	1,996,123
Financing Receivable, Revolving, Converted to Term Loan	96,762	141,198
Financing Receivable, before Allowance for Credit Loss	2,666,132	2,241,918
Financing Receivable, Allowance for Credit Loss	20,032	19,454	18,898
Loans, gross	2,633,878	2,214,252
Real Estate Loans | Construction Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year		27,707
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		3,890
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		0
Financing Receivable, Revolving		0
Financing Receivable, Revolving, Converted to Term Loan		0
Financing Receivable, before Allowance for Credit Loss	48,478	31,597
Financing Receivable, Allowance for Credit Loss	354	297	$ 4
Loans, gross	121,759	80,537
Real Estate Loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	3,485,914	2,712,796
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	2,292,357	1,826,030
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,497,967	796,787
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	637,126	872,041
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	672,081	1,027,276
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,198,562	3,101,952
Financing Receivable, Revolving	2,400,095	1,990,195
Financing Receivable, Revolving, Converted to Term Loan	89,448	129,336
Financing Receivable, before Allowance for Credit Loss	14,273,550	12,456,413
Real Estate Loans | Pass | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	3,349,200	2,637,782
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	2,251,075	1,807,652
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,488,763	784,462
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	629,090	860,150
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	665,116	1,016,853
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,141,907	3,042,398
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted to Term Loan	0	0
Financing Receivable, before Allowance for Credit Loss	11,525,151	10,149,297
Real Estate Loans | Pass | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	45,408	53,076
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted to Term Loan	0	0
Financing Receivable, before Allowance for Credit Loss	45,408	53,076
Real Estate Loans | Pass | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	98,904	48,427
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	30,614	14,488
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	9,204	12,325
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	8,036	11,891
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,965	10,423
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	11,247	6,478
Financing Receivable, Revolving	2,400,095	1,990,195
Financing Receivable, Revolving, Converted to Term Loan	89,448	129,336
Financing Receivable, before Allowance for Credit Loss	2,654,513	2,223,563
Real Estate Loans | Pass | Construction Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	37,810	26,587
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	10,668	3,890
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted to Term Loan	0	0
Financing Receivable, before Allowance for Credit Loss	48,478	30,477
Real Estate Loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	23,831
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	483	703
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	123
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	108	709
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	464	300
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	816	769
Financing Receivable, Revolving	898	1,182
Financing Receivable, Revolving, Converted to Term Loan	640	292
Financing Receivable, before Allowance for Credit Loss	3,409	27,909
Real Estate Loans | Special Mention | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	22,711
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	292	703
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	110
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	108	709
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	464	300
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	816	759
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted to Term Loan	0	0
Financing Receivable, before Allowance for Credit Loss	1,680	25,292
Real Estate Loans | Special Mention | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0
Real Estate Loans | Special Mention | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	191	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	13
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	10
Financing Receivable, Revolving	898	1,182
Financing Receivable, Revolving, Converted to Term Loan	640	292
Financing Receivable, before Allowance for Credit Loss	1,729	1,497
Real Estate Loans | Special Mention | Construction Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year		1,120
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		0
Financing Receivable, Revolving		0
Financing Receivable, Revolving, Converted to Term Loan		0
Financing Receivable, before Allowance for Credit Loss		1,120
Real Estate Loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,195	4,029
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	3,242	4,618
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,162	4,917
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	1,902	5,117
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	32,569	51,227
Financing Receivable, Revolving	2,996	4,746
Financing Receivable, Revolving, Converted to Term Loan	6,674	11,570
Financing Receivable, before Allowance for Credit Loss	49,740	86,224
Real Estate Loans | Substandard | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,195	4,029
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	3,188	4,470
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,142	4,860
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	1,883	4,813
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	25,042	40,861
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted to Term Loan	0	0
Financing Receivable, before Allowance for Credit Loss	32,450	59,033
Real Estate Loans | Substandard | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	7,400	10,333
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted to Term Loan	0	0
Financing Receivable, before Allowance for Credit Loss	7,400	10,333
Real Estate Loans | Substandard | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	54	148
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	20	57
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	19	304
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	127	33
Financing Receivable, Revolving	2,996	4,746
Financing Receivable, Revolving, Converted to Term Loan	6,674	11,570
Financing Receivable, before Allowance for Credit Loss	$ 9,890	$ 16,858

Loans And Allowance For Loan _9

Loans And Allowance For Loan Losses (Schedule of Recorded Investment in Troubled Debt Restructured Loans by Type of Concession) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	$ 109,036	$ 127,109
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	63,066	72,584
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	31,811	37,332
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	14,159	17,193
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	58,550	66,855
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	30,071	33,394
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	17,583	20,499
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	10,896	12,962
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	23,839	28,605
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	10,359	12,640
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	11,485	13,409
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	1,995	2,556
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	26,647	31,649
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	22,636	26,550
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	2,743	3,424
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	$ 1,268	$ 1,675

Loans And Allowance For Loan_10

Loans And Allowance For Loan Losses (Schedule Of Troubled Debt Restructured Loans Modified During the Period by Type of Concession) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	$ 8,664	$ 17,962	$ 16,335
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	4,535	11,192	7,430
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	2,779	4,636	6,010
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,350	2,134	2,895
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	6,498	12,959	9,398
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	3,823	9,364	4,334
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,533	1,981	3,233
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,142	1,614	1,831
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,318	1,897	3,684
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	202	362	1,112
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,071	1,432	1,962
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	45	103	610
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	848	3,106	3,253
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	510	1,466	1,984
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	175	1,223	815
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	$ 163	$ 417	$ 454

Loans And Allowance For Loan_11

Loans And Allowance For Loan Losses (Schedule Of Troubled Debt Restructured Loans Modified Within The Last 12 Months that Defaulted) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2022 USD ($) contracts	Sep. 30, 2021 USD ($) contracts	Sep. 30, 2020 USD ($) contracts
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contracts	12	14	22
Recorded Investment | $	$ 978	$ 1,184	$ 2,117
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contracts	5	6	9
Recorded Investment | $	$ 780	$ 948	$ 1,394
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contracts	5	7	9
Recorded Investment | $	$ 90	$ 194	$ 441
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contracts	2	1	4
Recorded Investment | $	$ 108	$ 42	$ 282

Mortgage Loan Servicing Right_2

Mortgage Loan Servicing Rights (Narrative) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2022 USD ($) tranches	Sep. 30, 2021 USD ($)	Sep. 30, 2020 USD ($)
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Balance of mortgage loans securitized and/or sold	$ 128,118	$ 796,512	$ 810,116
Amount related to the repurchase of loans previously sold and serviced by the Company.		199	1,063
Residential Mortgage
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Number of risk tranches used in evaluating mortgage servicing rights for impairment | tranches	22
Unpaid principal balance of mortgage loans serviced for others	$ 2,051,110	$ 2,262,875	$ 2,007,319
Ratio of capitalized servicing assets to unpaid principal balance of loans serviced for others	0.39%	0.40%	0.39%
Residential Mortgage | Other Non-Interest Income
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing income, net of amortization of capitalized servicing rights	$ 4,251	$ 3,260	$ 3,365
Minimum
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Annual servicing fee on outstanding loan balance, percentage	0.02%
Maximum
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Annual servicing fee on outstanding loan balance, percentage	0.98%

Mortgage Loan Servicing Right_3

Mortgage Loan Servicing Rights (Primary Economic Assumptions Used To Measure The Company's Retained Interest Rate) (Details) - Residential Mortgage	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Fair Value Assumption, Date of Securitization or Asset-backed Financing Arrangement, Transferor's Continuing Involvement, Servicing Assets or Liabilities [Line Items]
Primary prepayment speed assumptions (weighted average annual rate)	11.90%	13.90%
Weighted average life (years)	24 years 1 month 6 days	22 years 10 months 24 days
Amortized cost to service loans (weighted average)	0.12%	0.12%
Weighted average discount rate	12%	12%

Mortgage Loan Servicing Right_4

Mortgage Loan Servicing Rights (Key Economic Assumptions And Sensitivity) (Details) - Residential Mortgage - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Sensitivity Analysis, Impact of Adverse Change in Assumption [Line Items]
Fair value of mortgage loan servicing rights	$ 15,288	$ 17,454	$ 12,487
Prepayment speed assumptions (weighted average annual rate)	15%
Prepayment speed assumptions, Impact on fair value of 10% adverse change	$ (567)
Prepayment speed assumptions, Impact on fair value of 20% adverse change	$ (1,083)
Estimated prospective annual cost to service loans (weighted average)	0.12%
Estimated prospective annual cost to service loans, Impact on fair value of 10% adverse change	$ (1,320)
Estimated prospective annual cost to service loans, Impact on fair value of 20% adverse change	$ (2,640)
Discount rate	12%
Discount rate, Impact on fair value of 10% adverse change	$ (528)
Discount rate, Impact on fair value of 20% adverse change	$ (1,017)

Mortgage Loan Servicing Right_5

Mortgage Loan Servicing Rights (Activity In Mortgage Servicing Assets) (Details) - USD ($) $ in Thousands		12 Months Ended
		Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Mortgage Servicing Assets [Roll Forward]
Balance-beginning of year		$ 8,941
Balance-end of year		7,943	$ 8,941
Residential Mortgage
Mortgage Servicing Assets [Roll Forward]
Balance-beginning of year		8,941	7,860	$ 8,080
Additions from loan securitizations/sales		657	3,836	1,613
Amortization	[1]	(1,655)	(2,764)	(1,824)
Net change in valuation allowance		0	9	(9)
Balance-end of year		7,943	8,941	7,860
Servicing Asset at Amortized Cost, Fair Value		$ 15,288	$ 17,454	$ 12,487
[1] (1) Year ended September 30, 2021 and 2020 amounts include $199 and $1,063 respectively, related to the repurchase of loans previously sold and serviced by the Company.

Premises, Equipment And Softw_3

Premises, Equipment And Software, Net Premises, Equipment And Software, Net (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Property, Plant and Equipment [Line Items]
Depreciation expense on premises, equipment and software	$ 5,393	$ 5,422	$ 5,435
Property, Plant and Equipment, Net	34,531	37,420
Gain (Loss) on Sale of Properties	$ 181	0	4,665
Operating Lease, Lease Income			$ 5
Operating Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other Operating Income
Commercial Office Building | Subsidiary Limited Liability Company
Property, Plant and Equipment [Line Items]
Depreciation expense on premises, equipment and software		$ 48
Gain (Loss) on Sale of Properties			$ 4,665

Premises, Equipment And Softw_4

Premises, Equipment And Software, Net Premises, Equipment And Software, Net (Property, Plant and Equipment) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 140,940	$ 139,345
Less accumulated depreciation and amortization	(106,409)	(101,925)
Total	34,531	37,420
Land
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	8,610	8,688
Office buildings
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	61,312	60,661
Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	39,899	39,266
Software
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	20,048	19,962
Leasehold improvements
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 11,071	$ 10,768

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Lessee, Lease, Description [Line Items]
Operating Lease Cost	$ 5,576	$ 5,351
Variable Lease Cost	1,479	1,374
Operating Lease Payments	$ 5,572	$ 5,354
Minimum
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Remaining Lease Term	1 year
Lessee, Operating Lease, Option to Extend	three
Maximum
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Remaining Lease Term	14 years
Lessee, Operating Lease, Option to Extend	10

Leases (Schedule Of Lease Cost)

Leases (Schedule Of Lease Cost) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Leases [Abstract]
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Right-Of-Use Asset	$ 30,189	$ 27,923
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Accounts Payable and Accrued Liabilities	Accounts Payable and Accrued Liabilities
Lease Liability	$ 15,775	$ 18,461
Weighted Average Remaining Lease Term	5 years 21 days	5 years 6 months 3 days
Weighted Average Discount Rate, Percent	1.49%	1.51%

Leases (Schedule of Lease Liabi

Leases (Schedule of Lease Liability Maturities) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Leases [Abstract]
Maturing In 12 months or less	$ 4,953	$ 5,128
Maturing in 13 to 24 months	3,903	4,334
Maturing in 25 to 36 months	3,044	3,400
Maturing in 37 to 48 months	1,810	2,570
Maturing in 49 to 60 months	591	1,321
Maturing in over 60 months	2,230	2,640
Lease Liability Payments Due	16,531	19,393
Lease Liability Undiscounted Excess Amount	756	932
Lease Liability	$ 15,775	$ 18,461

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Deposits [Abstract]
Weighted average interest rate, checking accounts	0.81%	0.09%
Weighted average rated, savings	0.79%	0.12%
Weighted average rate, money market	0.95%	0.19%
Weighted average interest rate, certificates of deposit	1.37%	1.26%
Weighted average interest rate, total deposits	1.18%	0.89%
Brokered certificates of deposit	$ 575,236	$ 491,994
Certificates of deposit	5,862,274	6,031,603
Time Deposits, at or Above FDIC Insurance Limit	$ 733,301	$ 693,375

Deposits (Summary Of Deposit Ac

Deposits (Summary Of Deposit Account Balances) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Deposit Liability [Line Items]
Subtotal checking and savings accounts	$ 3,056,506	$ 2,960,150
Percentage of checking and savings accounts to deposits	34.30%	32.90%
Certificates of deposit	$ 5,862,274	$ 6,031,603
Percentage of certificates of deposit to deposits	65.70%	67.10%
Subtotal, Deposits	$ 8,918,780	$ 8,991,753
Subtotal, percent	100%	100%
Accrued interest	$ 2,237	$ 1,852
Accrued interest to deposits, percent	0%	0%
Total deposits	$ 8,921,017	$ 8,993,605
Total deposits, percent	100%	100%
0.00 - 0.15
Deposit Liability [Line Items]
Checking accounts	$ 1,210,035	$ 1,132,910
Percentage of checking accounts to deposits	13.60%	12.60%
0.00 - 0.15 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	0%
0.00 - 0.15 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	1%
0.00-1.05
Deposit Liability [Line Items]
Savings accounts	$ 1,364,821	$ 1,263,309
Percentage of savings accounts to deposits	15.30%	14%
0.00-1.05 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	0%
0.00-1.05 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	1.05%
0.00-0.50
Deposit Liability [Line Items]
Savings accounts	$ 481,650	$ 563,931
Percentage of savings accounts to deposits	5.40%	6.30%
0.00-0.50 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	0%
0.00-0.50 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	1.05%
0.00-0.99
Deposit Liability [Line Items]
Certificates of deposit	$ 3,157,495	$ 3,335,102
Percentage of certificates of deposit to deposits	35.40%	37.10%
0.00-0.99 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	0%
0.00-0.99 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	0.99%
1.00-1.99
Deposit Liability [Line Items]
Certificates of deposit	$ 1,002,227	$ 808,105
Percentage of certificates of deposit to deposits	11.20%	9%
1.00-1.99 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	1%
1.00-1.99 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	1.99%
2.00-2.99
Deposit Liability [Line Items]
Certificates of deposit	$ 1,320,579	$ 1,574,939
Percentage of certificates of deposit to deposits	14.80%	17.50%
2.00-2.99 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	2%
2.00-2.99 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	2.99%
3.00 and above
Deposit Liability [Line Items]
Certificates of deposit	$ 381,973	$ 313,457
Percentage of certificates of deposit to deposits	4.30%	3.50%
3.00 and above | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	3%

Deposits (Scheduled Maturity Of

Deposits (Scheduled Maturity Of Certificates Of Deposit ) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Deposits [Abstract]
12 months or less	$ 3,015,505
13 to 24 months	1,015,842
25 to 36 months	814,248
37 to 48 months	476,759
49 to 60 months	510,856
Over 60 months	29,064
Total	$ 5,862,274	$ 6,031,603
12 months or less, percent	51.50%
13 to 24 months, percent	17.30%
25 to 36 months, percent	13.90%
37 to 48 months, percent	8.10%
49 to 60 months, percent	8.70%
Over 60 months, percent	0.50%
Total, percent	100%
12 months or less, weighted average rate	1.02%
13 to 24 months, weighted average rate	1.51%
25 to 36 months, weighted average rate	1.49%
37 to 48 months, weighted average rate	1.50%
49 to 60 months, weighted average rate	2.81%
Over 60 months, weighted average rate	1.32%
Total, weighted average rate	1.36%

Deposits (Scheduled Of Interest

Deposits (Scheduled Of Interest Expense On Deposits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Deposits [Abstract]
Certificates of deposit	$ 68,204	$ 93,187	$ 130,990
Checking accounts	4,186	1,140	1,477
Savings accounts	4,553	2,992	7,775
Total	$ 76,943	$ 97,319	$ 140,242

Borrowed Funds (Schedule Of Bor

Borrowed Funds (Schedule Of Borrowings)(Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 9,237,184
Line of Credit Facility, Remaining Borrowing Capacity	4,450,448
Federal Reserve Discount Window, borrowing capacity	4,786,736
Line of Credit Facility, Increase, Accrued Interest	6,485
Line of Credit Facility, Current Borrowing Capacity, Including Accrued Interest	4,793,221	$ 3,091,815
FRB-Cleveland
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	168,001
Line of Credit Facility, Remaining Borrowing Capacity	168,001
Federal Reserve Discount Window, borrowing capacity	0
Federal Funds Purchased
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	595,000
Line of Credit Facility, Remaining Borrowing Capacity	370,000
Federal Reserve Discount Window, borrowing capacity	225,000
Federal Home Loan Bank of Cincinnati
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	8,474,183
Line of Credit Facility, Remaining Borrowing Capacity	3,912,447
Federal Reserve Discount Window, borrowing capacity	$ 4,561,736

Borrowed Funds (Schedule of Fed

Borrowed Funds (Schedule of Federal Home Loan Bank Advances (FHLB) Borrowings) (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Debt Disclosure [Abstract]
12 months or less	$ 2,225,182
13 to 24 months	775,000
25 to 36 months	625,000
37 to 48 months	500,789
49 to 60 months	600,000
over 60 months	60,765
Line of Credit Facility, Increase, Accrued Interest	6,485
Total	$ 4,793,221
Weighted Average Rate 12 months or less	2.93%
Weighted Average Rate 13 to 24 months	1.50%
Weighted Average Rate 25 to 36 months	1.42%
Weighted Average Rate 37 to 48 months	1.97%
Weighted Average Rate 49 to 60 months	2.72%
Weighted Average Rate Over 60 months	2.93%
Weighted Average Rate Total FHLB Advances	2.38%
Line of Credit Facility, Current Borrowing Capacity	$ 4,786,736

Borrowed Funds (Narrative) (Fed

Borrowed Funds (Narrative) (Federal Home Loan Bank Advances) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest expense	$ 141,937	$ 157,721	$ 213,030
Federal Home Loan Bank Advances
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest expense	$ 49,828	$ 50,975	$ 61,058

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Accumulated Other Comprehensive Income (Loss) by Component) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2019
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	$ 1,844,339	$ 1,732,280	$ 1,671,853	$ 1,696,754
Other comprehensive income (loss)	90,950	64,164	(62,586)
Reclassification out of Accumulated Other Comprehensive Income
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Reclassification from AOCI, Current Period, Tax	5,212	9,907	5,680
Unrealized gain (losses) on securities available for sale
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	(33,899)	961	4,694	(2,165)
Other comprehensive income (loss), before reclassifications, net of tax	(34,860)	(3,733)	6,859
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	0	0	0
Other comprehensive income (loss)	(34,860)	(3,733)	6,859
Cash Flow Hedges
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	68,883	(58,210)	(114,306)	(44,915)
Other comprehensive income (loss), before reclassifications, net of tax	109,452	20,914	(88,948)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	17,641	35,182	19,557
Other comprehensive income (loss)	127,093	56,096	(69,391)
Defined Benefit Plan
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	(11,835)	(10,552)	(22,353)	(22,299)
Other comprehensive income (loss), before reclassifications, net of tax	(1,665)	9,937	(1,862)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	382	1,864	1,808
Other comprehensive income (loss)	(1,283)	11,801	(54)
Total
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	23,149	(67,801)	(131,965)	$ (69,379)
Other comprehensive income (loss), before reclassifications, net of tax	72,927	27,118	(83,951)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	18,023	37,046	21,365
Other comprehensive income (loss)	90,950	64,164	(62,586)
Other Comprehensive Income (Loss) before Reclassifications, Tax	$ 21,242	$ 8,656	$ (22,316)

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Reclassification Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		12 Months Ended
		Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		$ (17,489)	$ (19,087)	$ (16,928)
Net of income tax expense (benefit)		73,055	79,452	81,738
Reclassification out of Accumulated Other Comprehensive Income
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax		18,023	37,046	21,365
Reclassification out of Accumulated Other Comprehensive Income | Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		(5,099)	(9,352)	(5,200)
Net of income tax expense (benefit)		17,641	35,182	19,557
Reclassification out of Accumulated Other Comprehensive Income | Actuarial Loss
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from Accumulated Other Comprehensive Income, Current Period, before Tax	[1]	495	2,419	2,288
Reclassification out of Accumulated Other Comprehensive Income | Defined Benefit Plan
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		(113)	(555)	(480)
Net of income tax expense (benefit)		382	1,864	1,808
Interest Rate Contract | Reclassification out of Accumulated Other Comprehensive Income | Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest (income) expense		$ 22,740	$ 44,534	$ 24,757
[1] (a) These items are included in the computation of net period pension cost. See Note 13. EMPLOYEE BENEFIT PLANS

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components Of The Income Tax Provision) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current tax expense, Federal	$ 41,812	$ 31,043	$ (5,237)
Current tax expense, State	2,553	2,230	473
Deferred tax expense, Federal	(24,691)	(13,548)	20,487
Deferred tax expense, State	(2,185)	(638)	1,205
Income tax provision	$ 17,489	$ 19,087	$ 16,928

Income Taxes (Schedule of Recon

Income Taxes (Schedule of Reconciliation From Tax At The Statutory Rate To The Income Tax Provision) (Details)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Tax at statutory rate	21%	21%	21%
State tax, net	0.30%	1.30%	1.30%
Non-taxable income from bank owned life insurance contracts	(2.30%)	(2.10%)	(1.50%)
Non-deductible Compensation Percent	1.40%	0.90%	1.10%
NOL Carryback Claim Rate Benefit Under CARES Act, Percent	0%	0%	(3.60%)
EQUITY BASED COMPENSATION	(0.10%)	(1.30%)	(0.50%)
Other, net	(1.30%)	(0.70%)	(0.90%)
Effective Income Tax Rate	19%	19.10%	16.90%

Income Taxes (Schedule Of Defer

Income Taxes (Schedule Of Deferred Tax Recognition Of Revenue And Expenses) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Loan loss reserve	$ 27,659	$ 25,728
Deferred compensation	4,198	4,159
Lease Liability	3,599	4,227
Property, equipment and software basis difference	1,413	1,263
Other	2,220	2,259
Total deferred tax assets	39,089	37,636
FHLB stock basis difference	5,017	5,036
Mortgage servicing rights	1,551	1,699
Pension	2,119	2,220
Goodwill	2,132	2,137
Lease ROU asset	3,514	4,142
Deferred loan costs, net of fees	13,371	11,606
Other	2,219	2,051
Total deferred tax liabilities	29,923	28,891
Net deferred tax asset	$ 9,166	$ 8,745

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Required deferred tax valuation allowance	$ 0	$ 0
Allocated retained earnings bad debt deductions	104,861	104,861
Retained Earnings For Which No Provision For Taxes Made	0	0
Unrecognized tax benefits	0	0
Interest and penalties on income tax assessments or income tax refunds	0	9	$ 0
Proceeds from Income Tax Refunds	34	116	$ 0
Interest accrued	$ 0	$ 0
Effective Income Tax Rate	19%	19.10%	16.90%
Prior year tax benefit as a result of a CARES Act provision.			$ 3,607

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2022 USD ($) h years $ / shares shares	Sep. 30, 2021 USD ($) shares	Sep. 30, 2020 USD ($)
Defined Benefit Plan Disclosure [Line Items]
Voluntary contributions made to the defined benefit plan	$ 0
Required minimum contribution made to the defined benefit plan during the fiscal year	0
Net actuarial losses, which have not been recognized as components of net periodic benefit costs	15,255	$ 13,686	$ 28,843
Net actuarial losses that will be recognized in AOCI as components of net periodic benefit cost in fiscal year	$ 1,020
Age of employees to participate in ESOP, minimum (in years) | years	18
Number of hours worked by employees to participate in ESOP, minimum (in hours) | h	1,000
Total compensation expense related to ESOP	$ 7,063	8,270	7,367
Purchase of the Company's common stock by ESOP from proceeds of a loan from the Company (in shares) | shares	11,605,824
Purchase of the Company's common stock by ESOP, (in usd per share) | $ / shares	$ 10
ESOP loan from the Company, outstanding principal balance	$ 41,927	$ 46,454
ESOP shares allocated to participants (in shares) | shares	8,139,108
ESOP shares committed to be released (in shares) | shares	325,005
ESOP shares unallocated or not yet committed to be released (in shares) | shares	3,141,711	3,575,051
ESOP shares that are unallocated or not yet committed to be released, fair market value	$ 40,842
401(k) First Tier
Defined Benefit Plan Disclosure [Line Items]
Allowable percentage of compensation, of eligible employees, to be contributed to the 401(k) plan	75%
401(k), Company match percentage of up to 4% of employee contributed funds	100%
First and Second Tier 401(k)
Defined Benefit Plan Disclosure [Line Items]
Number of hours worked by employees (in one year of service) to be covered by the first and second tiers of the 401(k) plan, minimum | h	1,000
401(k)
Defined Benefit Plan Disclosure [Line Items]
401(k), Company matched contributions, minimum vesting period	immediately
401(k), Company matched contributions, maximum vesting period	5 years
Total of the Company's matching and discretionary contributions related to the 401(k) plan	$ 4,295	$ 4,187	$ 4,042
Maximum | 401(k) First Tier
Defined Benefit Plan Disclosure [Line Items]
401(k), Percentage of funds contributed by employees to be matched 100% by the Company, maximum	4%

Employee Benefit Plans (Change

Employee Benefit Plans (Change In Projected Benefit Obligation For The Defined Benefit Plan) (Details) - Pension Plan - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Defined Benefit Plan, Benefit Obligation	$ 65,015	$ 88,276	$ 94,941
Interest cost	2,628	2,536	$ 2,797
Actuarial (gain) loss and other	(19,783)	(2,273)
Settlement	(4,292)	(5,112)
Defined Benefit Plan, Benefit Obligation, Benefits Paid	$ 1,814	$ 1,816

Employee Benefit Plans (Reconci

Employee Benefit Plans (Reconciliation Of The Beginning And Ending Balances Of The Fair Value Of Plan Assets And Funded Status Of The Plan) (Details) - Pension Plan - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets	$ 74,042	$ 97,971	$ 89,275
Actual return on plan assets	(17,823)	15,624
Benefits paid	(1,814)	(1,816)
Settlement	(4,292)	(5,112)
Funded status of the plan-asset/(liability)	$ 9,027	$ 9,695

Employee Benefit Plans (Compone

Employee Benefit Plans (Components Of Net Periodic Benefit Cost Recognized In The Statement Of Income) (Details) - Pension Plan - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 2,628	$ 2,536	$ 2,797
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other operating expenses	Other operating expenses	Other operating expenses
Defined Benefit Plan, Expected Return (Loss) on Plan Assets	$ (4,987)	$ (4,997)	$ (4,652)
Amortization of net loss and other	576	1,466	2,288
Recognized net loss due to settlement	882	792	1,174
Net periodic benefit (income) cost	$ (901)	$ (203)	$ 1,607

Employee Benefit Plans (Fair Va

Employee Benefit Plans (Fair Value Of Plan Assets At The Measurement Date) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2020 USD ($)
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 74,042	$ 97,971	$ 89,275
Pooled Separate Accounts
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 43,771	$ 97,971
Redemption Notice Period	7 days	7 days
Redemption restrictions on Plan assets	0
Mutual Fund
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 30,271	$ 0

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule Of Additional Information Is Provided With Respect To The Plan) (Details)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Retirement Benefits [Abstract]
Benefit obligation, discount rate	5.35%	2.85%	2.65%
Net periodic benefit cost, discount rate	4.60%	2.80%	3.20%
Net periodic benefit cost, long-term rate of return on plan assets	5.50%	5.50%	6%

Employee Benefit Plans (Estimat

Employee Benefit Plans (Estimates Of Expected Future Benefit Payments) (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Retirement Benefits [Abstract]
2023	$ 5,750
2024	4,530
2025	4,260
2026	4,300
2027	4,360
Aggregate expected benefit payments during the five fiscal year period beginning October 1, 2028, and ending September 30, 2032	23,540
Minimum employer contributions expected to be paid during the fiscal year ending September 30, 2023	$ 0

Equity Incentive Plan (Narrativ

Equity Incentive Plan (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common shares authorized for award under the Equity Plan (in shares)		8,450,000
Common shares remain available for future award (in shares)		7,418,782
Excess Tax Benefit from Share-Based Compensation, Operating Activities		$ 109	$ 1,331	$ 485
Stock Options Contractual Term, Years		10 years
Stock options exercised, intrinsic value		$ 551	$ 8,605	$ 3,941
Nonvested shares outstanding		0
Number of Stock Options, Granted (in shares)		0	0	0
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of RSUs that have vested but will not be issued until the recipients are no longer employed by the Company.		765,748
Weighted average grant date fair value of RSUs that have vested but will not be issued until the recipients are no longer employed by the Company.		$ 11.87
Weighted Average Grant Date Fair Value, Granted (in usd per share)		$ 17.80	$ 17.77	$ 19.76
Total fair value of restricted stock units vested during fiscal year		$ 2,058	$ 6,981	$ 1,676
Expected future compensation expense		$ 3,598
Non-vested awards weighted average period (in years)		1 year 10 months 9 days
Restricted Stock Units | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award Vesting Period		1 year
Restricted Stock Units | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award Vesting Period		10 years
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Grant Date Fair Value, Granted (in usd per share)		$ 17.80	$ 17.77	$ 19.76
Total fair value of restricted stock units vested during fiscal year		$ 1,112	$ 14	$ 0
Expected future compensation expense		$ 1,031
Non-vested awards weighted average period (in years)	1 year 9 months 29 days
Award Vesting Period		3 years
Award Requisite Service Period		2 years
Performance Shares | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Range of payout on vesting		0%
Performance Shares | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Range of payout on vesting		150%
Stock Options | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award Vesting Period		1 year
Stock Options | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award Vesting Period		7 years

Equity Incentive Plan Equity In

Equity Incentive Plan Equity Incentive Plan (Summary Of Stock-based Compensation Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Stock-based compensation expense	$ 3,945	$ 5,442	$ 4,751
Share-based Payment Arrangement, Expense, Tax Benefit	677	999	824
Restricted Stock Units
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Stock-based compensation expense	3,206	4,160	3,303
Performance Shares
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Stock-based compensation expense	739	1,214	917
Stock Options
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Stock-based compensation expense	$ 0	$ 68	$ 531

Equity Incentive Plan (Share-ba

Equity Incentive Plan (Share-based Payment Arrangement, Restricted Stock Unit, Activity) (Details) - Restricted Stock Units - $ / shares	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Summary of Status of Restricted Stock Unit [Roll Forward]
Number of Shares Awarded, Outstanding, Beginning	1,281,910
Weighted Average Grant Date Fair Value, Outstanding (in usd per share)	$ 14.21
Number of Shares Awarded, Granted	126,200
Weighted Average Grant Date Fair Value, Granted (in usd per share)	$ 17.80	$ 17.77	$ 19.76
Number of Shares Awarded, Exercised	(124,662)
Weighted Average Grant Date Fair Value, Released (number of shares)	$ 17.53
Number of shares forfeited	(25,550)
Weighted Average Grant Date Fair Value, Forfeited (in usd per share)	$ 17.77
Number of Shares Awarded, Outstanding, Ending	1,257,898	1,281,910
Weighted Average Grant Date Fair Value, Outstanding (in usd per share)	$ 14.17	$ 14.21

Equity Incentive Plan (Share-_2

Equity Incentive Plan (Share-based Payment Arrangement, Performance Shares, Activity) (Details) - Performance Shares - $ / shares	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding [Roll Forward]
Number of Shares Awarded, Outstanding, Beginning	182,069
Weighted Average Grant Date Fair Value, Outstanding (in usd per share)	$ 17.46
Number of Shares Awarded, Granted	53,100
Weighted Average Grant Date Fair Value, Granted (in usd per share)	$ 17.80	$ 17.77	$ 19.76
Number of Shares Awarded, Exercised	(71,692)
Weighted Average Grant Date Fair Value, Released (number of shares)	$ 15.54
Number of shares forfeited	0
Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Adjustments In Period	6,477
Weighted Average Grant Date Fair Value, Adjustment In Period	$ 19.76
Number of Shares Awarded, Outstanding, Ending	169,954	182,069
Weighted Average Grant Date Fair Value, Outstanding (in usd per share)	$ 18.46	$ 17.46

Equity Incentive Plan (Summary

Equity Incentive Plan (Summary Of The Company's Stock Option Activity And Related Information For The Equity Plan) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Number of Stock Options, Outstanding (in shares)	2,463,300
Weighted Average Exercise Price, Outstanding (in usd per share)	$ 14.98
Weighted Average Remaining Contractual Life, Outstanding (in years)	3 years 3 months 25 days	4 years 3 months
Aggregate Intrinsic Value, Outstanding	$ 10,095
Number of Stock Options, Exercised (in shares)	(99,525)
Weighted Average Exercise Price, Exercised (in usd per share)	$ 11.16
Stock options exercised, intrinsic value	$ 551	$ 8,605	$ 3,941
Number of Stock Options, Forfeited (in shares)	(2,600)
Weighted Average Exercise Price, Forfeited (in usd per share)	$ 15.82
Aggregate Intrinsic Value, Forfeited	$ 0
Number of Stock Options, Outstanding (in shares)	2,361,175	2,463,300
Weighted Average Exercise Price, Outstanding (in usd per share)	$ 15.14	$ 14.98
Weighted Average Remaining Contractual Life, Outstanding (in years)	3 years 3 months 25 days	4 years 3 months
Aggregate Intrinsic Value, Outstanding	$ 429	$ 10,095
Number of Stock Options, Vested and exercisable at September 30, 2021 (in shares)	2,361,175
Weighted Average Exercise Price, Vested and exercisable at September 30, 2021 (in usd per share)	$ 15.14
Weighted Average Remaining Contractual Life, Vested and exercisable at September 30, 2021 (in years)	3 years 3 months 25 days
Aggregate Intrinsic Value, Vested and exercisable at September 30, 2021	$ 429
Number of Stock Options, Vested or expected to vest at September 30, 2021 (in shares)	2,361,175
Weighted Average Exercise Price, Vested or expected to vest at September 30, 2021 (in usd per share)	$ 15.14
Weighted Average Remaining Contractual Life, Vested or expected to vest at September 30, 2021 (in years)	3 years 3 months 25 days
Aggregate Intrinsic Value, Vested or expected to vest at September 30, 2021	$ 429

Commitments And Contingent Li_3

Commitments And Contingent Liabilities (Narrative) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2022 USD ($)
Minimum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration days 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 days of commitments to extend credit (in days)	360 days
Home equity line of credit unfunded commitments expiration, years	10 years
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)	$ 4,105,486

Commitment And Contingent Liabi

Commitment And Contingent Liabilities (Schedule of Off-Balance Sheet Risks (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Commitments To Originate
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	$ 538,716
Off-Balance Sheet, Credit Loss, Liability	3,523
Commitments To Originate Fixed-Rate Mortgage Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	229,194
Off-Balance Sheet, Credit Loss, Liability	930
Commitments To Originate Adjustable-Rate Mortgage Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	152,057
Off-Balance Sheet, Credit Loss, Liability	616
Commitments To Originate Equity Loans And Lines Of Credit Including Bridge Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	157,465
Off-Balance Sheet, Credit Loss, Liability	1,977
Unfunded Commitments
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	4,157,116
Off-Balance Sheet, Credit Loss, Liability	23,499
Unfunded Commitments Equity Lines Of Credit
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	4,084,843
Off-Balance Sheet, Credit Loss, Liability	22,876
Unfunded Commitments Construction Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	72,273
Off-Balance Sheet, Credit Loss, Liability	$ 623

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
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	$ 155	$ 231
Portion at Other than Fair Value | Performing | Troubled Debt Restructuring | Present Value Of Cash Flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Performing troubled debt restructurings individually evaluated for impairment	76,692	84,594
Allowance on loans evaluated for impairment based on the present value of cash flows	10,284	12,073
Mortgage loans held for sale	9,661	0
Net gain on the sale of loans	1,136	33,082	$ 28,443
Investment securities available-for-sale	457,908	421,783
Loans held for sale, fair value	9,661	8,982
Real estate owned	1,191	289
Cost to dispose related to real estate owned properties measured at fair value	156	9
Interest Rate Swap | Cash Flow Hedging | Designated as Hedging Instrument
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest Rate Derivatives, at Fair Value, Net	0	0
Troubled Debt Restructuring | Present Value Of Cash Flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Allowance on loans evaluated for impairment based on the present value of cash flows	10,284	12,073
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]
Loans held for sale, fair value	0	8,848
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale	457,908	421,783
Loans held for sale, fair value	9,661	8,982
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale	0	0
Loans held for sale, fair value	0	0
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	1,192	66
Loans Held-For-Sale 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
Net gain on the sale of loans	0	134	$ 2,026
Loans held for sale, fair value	9,661	0
US Government Corporations and Agencies Securities | Fair Value, Measurements, Recurring | Fair Value, Inputs, Level 2 | Market Approach Valuation Technique
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale	$ 457,908	$ 421,783

Fair Value (Fair Value Of Asset

Fair Value (Fair Value Of Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Assets
Investment securities available-for-sale	$ 457,908	$ 421,783
Mortgage loans held for sale	9,661	8,982
Carrying Amount
Assets
Investment securities available-for-sale	457,908	421,783
Mortgage loans held for sale	9,661	$ 8,848
Forward Commitments For Sale Of Mortgage Loans
Liabilities
Derivative liability	333
Forward Commitments For Sale Of Mortgage Loans | Carrying Amount
Liabilities
Derivative liability	333
Interest Rate Lock Commitments
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 525
Interest Rate Lock Commitments | Carrying Amount
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 525
REMIC's
Assets
Investment securities available-for-sale	453,268	416,241
Fannie Mae Certificates
Assets
Investment securities available-for-sale	1,021	5,542
Loans Held-For-Sale Subject To Pending Agency Contracts
Assets
Mortgage loans held for sale	9,661	0
Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets
Investment securities available-for-sale	0	0
Mortgage loans held for sale	0	$ 0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Forward Commitments For Sale Of Mortgage Loans
Liabilities
Derivative liability	0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 0
Significant Other Observable Inputs (Level 2)
Assets
Investment securities available-for-sale	457,908	421,783
Mortgage loans held for sale	9,661	$ 8,982
Significant Other Observable Inputs (Level 2) | Forward Commitments For Sale Of Mortgage Loans
Liabilities
Derivative liability
Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 0
Significant Unobservable Inputs (Level 3)
Assets
Investment securities available-for-sale	0	0
Mortgage loans held for sale	0	$ 0
Significant Unobservable Inputs (Level 3) | Forward Commitments For Sale Of Mortgage Loans
Liabilities
Derivative liability	333
Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 525
Fair Value, Measurements, Recurring
Assets
Total	457,908	$ 422,308
Liabilities
Total	333
Fair Value, Measurements, Recurring | Interest Rate Lock Commitments
Liabilities
Derivative liability	$ 333
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Interest Rate Lock Commitments
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 525
Fair Value, Measurements, Recurring | REMIC's
Assets
Investment securities available-for-sale	$ 453,268	416,241
Fair Value, Measurements, Recurring | Fannie Mae Certificates
Assets
Investment securities available-for-sale	1,021	5,542
Fair Value, Measurements, Recurring | US Treasury Notes Securities
Assets
Investment securities available-for-sale	3,619
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets
Total	0	$ 0
Liabilities
Total	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Liabilities
Derivative liability	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | REMIC's
Assets
Investment securities available-for-sale	$ 0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Fannie Mae Certificates
Assets
Investment securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | US Treasury Notes Securities
Assets
Investment securities available-for-sale	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Assets
Total	457,908	$ 421,783
Liabilities
Total	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Liabilities
Derivative liability	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | REMIC's
Assets
Investment securities available-for-sale	$ 453,268	416,241
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fannie Mae Certificates
Assets
Investment securities available-for-sale	1,021	5,542
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | US Treasury Notes Securities
Assets
Investment securities available-for-sale	3,619
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Assets
Total	0	$ 525
Liabilities
Total	333
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Liabilities
Derivative liability	$ 333
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Assets
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivative Asset		$ 525
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | REMIC's
Assets
Investment securities available-for-sale	$ 0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fannie Mae Certificates
Assets
Investment securities available-for-sale	0	$ 0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | US Treasury Notes Securities
Assets
Investment securities available-for-sale	$ 0

Fair Value (Reconciliation Of F

Fair Value (Reconciliation Of Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input) (Details) - Fair Value, Inputs, Level 3 - Interest Rate Lock Commitments - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 525	$ 1,194	$ 44
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Gain (loss) during the period due to changes in fair value:
Included in other non-interest income	$ (858)	$ (669)	$ 1,150
Ending balance	(333)	525	1,194
Change in unrealized gains for the period included in earnings for assets held at end of the reporting date	$ (333)	$ 525	$ 1,194
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Nonrecurring Basis) (Details) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	$ 57,974	$ 83,920
Impaired Loans, Net of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	47,121	83,854
Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	1,192	66
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	9,661
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
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
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	0	0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	9,661	0
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
Significant Other Observable Inputs (Level 2) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Significant Other Observable Inputs (Level 2) | Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	9,661
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	48,313	83,920
Significant Unobservable Inputs (Level 3) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	1,192	$ 66
Significant Unobservable Inputs (Level 3) | Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	$ 0

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	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Measurement Input, Discounted Appraised Value | Discounted Market Comparable Of Collateral | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans, Net Of Allowance Measurement Input	0	0
Measurement Input, Discounted Appraised Value | Discounted Market Comparable Of Collateral | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans, Net Of Allowance Measurement Input	0.28	0.34
Measurement Input, Discounted Appraised Value | Discounted Market Comparable Of Collateral | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans, Net Of Allowance Measurement Input	0.047	0.040
Measurement Input, Discounted Appraised Value | Discounted Market Comparable Of Collateral | Impaired Loans, Net of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset, fair value	$ 47,121	$ 83,854
Measurement Input, Closure Rate | Secondary Market Pricing | Interest Rate Lock Commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset, fair value		$ 525
Liabilities, Fair Value Disclosure	$ (333)
Interest Rate Lock Commitments | Measurement Input, Closure Rate | Secondary Market Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset (Liability) Net, Measurement Input	0	0
Interest Rate Lock Commitments | Measurement Input, Closure Rate | Secondary Market Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset (Liability) Net, Measurement Input	1	1
Interest Rate Lock Commitments | Measurement Input, Closure Rate | Secondary Market Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset (Liability) Net, Measurement Input	0.937	0.661

Fair Value (Estimated Fair Valu

Fair Value (Estimated Fair Value Of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Carrying Amount
Assets
Investment securities available-for-sale	$ 457,908	$ 421,783
Mortgage loans held for sale	9,661	8,848
Loans, net:
Federal Home Loan Bank stock	212,290	162,783
Cash collateral held by counterparty	26,045	24,236
Liabilities:
Borrowed funds	4,793,221	3,091,815
Carrying Amount | Checking and passbook accounts
Liabilities:
Deposit accounts	3,056,506	2,960,150
Carrying Amount | Certificates of Deposit
Liabilities:
Deposit accounts	5,864,511	6,033,455
Carrying Amount | Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	117,250	109,633
Carrying Amount | Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	29,913	41,476
Carrying Amount | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative liability	333
Carrying Amount | Cash and due from banks
Assets
Cash and Cash Equivalents	18,961	27,346
Carrying Amount | Interest Earning Cash Equivalents
Assets
Cash and Cash Equivalents	350,603	460,980
Carrying Amount | Mortgage Receivable
Loans, net:
Loans, net	14,253,804	12,506,257
Carrying Amount | Other Loans
Loans, net:
Loans, net	3,263	2,778
Carrying Amount | Accrued Interest Receivable
Loans, net:
Accrued interest receivable	40,256	$ 31,107
Carrying Amount | Interest Rate Lock Commitments
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 525
Investment securities available-for-sale	457,908	421,783
Mortgage loans held for sale	9,661	8,982
Mortgage loans held for sale	9,661	8,848
Federal Home Loan Bank stock	212,290	162,783
Cash collateral held by counterparty	26,045	24,236
Liabilities:
Borrowed funds	4,734,377	3,106,277
Checking and passbook accounts
Liabilities:
Deposit accounts	3,056,506	2,960,150
Certificates of Deposit
Liabilities:
Deposit accounts	5,733,418	6,118,018
Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	117,250	109,633
Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	29,913	41,476
Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative liability	333
Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability	333
Cash and due from banks
Assets
Cash and Cash Equivalents	18,961	27,346
Interest Earning Cash Equivalents
Assets
Cash and Cash Equivalents	350,603	460,980
Mortgage Receivable
Loans, net:
Loans, net	13,106,346	12,777,375
Other Loans
Loans, net:
Loans, net	3,263	2,778
Accrued Interest Receivable
Loans, net:
Accrued interest receivable	40,256	$ 31,107
Interest Rate Lock Commitments
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 525
Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 525
Fair Value, Inputs, Level 1
Assets
Investment securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Loans, net:
Cash collateral held by counterparty	26,045	24,236
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 1 | Checking and passbook accounts
Liabilities:
Deposit accounts	0	0
Fair Value, Inputs, Level 1 | Certificates of Deposit
Liabilities:
Deposit accounts	0	0
Fair Value, Inputs, Level 1 | Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	0	0
Fair Value, Inputs, Level 1 | Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	0	0
Fair Value, Inputs, Level 1 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative liability	0
Fair Value, Inputs, Level 1 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability	0
Fair Value, Inputs, Level 1 | Cash and due from banks
Assets
Cash and Cash Equivalents	18,961	27,346
Fair Value, Inputs, Level 1 | Interest Earning Cash Equivalents
Assets
Cash and Cash Equivalents	350,603	460,980
Fair Value, Inputs, Level 1 | Mortgage Receivable
Loans, net:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Other Loans
Loans, net:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Accrued Interest Receivable
Loans, net:
Accrued interest receivable	0	$ 0
Fair Value, Inputs, Level 1 | Interest Rate Lock Commitments
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 0
Fair Value, Inputs, Level 1 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 0
Fair Value, Inputs, Level 2
Assets
Investment securities available-for-sale	457,908	421,783
Mortgage loans held for sale	9,661	8,982
Loans, net:
Federal Home Loan Bank stock	0	0
Cash collateral held by counterparty	0	0
Liabilities:
Borrowed funds	4,734,377	3,106,277
Fair Value, Inputs, Level 2 | Checking and passbook accounts
Liabilities:
Deposit accounts	3,056,506	2,960,150
Fair Value, Inputs, Level 2 | Certificates of Deposit
Liabilities:
Deposit accounts	5,733,418	6,118,018
Fair Value, Inputs, Level 2 | Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	117,250	109,633
Fair Value, Inputs, Level 2 | Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	29,913	41,476
Fair Value, Inputs, Level 2 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative liability
Fair Value, Inputs, Level 2 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability	0
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 | Mortgage Receivable
Loans, net:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Other Loans
Loans, net:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Accrued Interest Receivable
Loans, net:
Accrued interest receivable	40,256	$ 31,107
Fair Value, Inputs, Level 2 | Interest Rate Lock Commitments
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 0
Fair Value, Inputs, Level 2 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 0
Fair Value, Inputs, Level 3
Assets
Investment securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Loans, net:
Federal Home Loan Bank stock	0	0
Cash collateral held by counterparty	0	0
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 3 | Checking and passbook accounts
Liabilities:
Deposit accounts	0	0
Fair Value, Inputs, Level 3 | Certificates of Deposit
Liabilities:
Deposit accounts	0	0
Fair Value, Inputs, Level 3 | Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	0	0
Fair Value, Inputs, Level 3 | Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	0	0
Fair Value, Inputs, Level 3 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative liability	333
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability	333
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 | Mortgage Receivable
Loans, net:
Loans, net	13,106,346	12,777,375
Fair Value, Inputs, Level 3 | Other Loans
Loans, net:
Loans, net	3,263	2,778
Fair Value, Inputs, Level 3 | Accrued Interest Receivable
Loans, net:
Accrued interest receivable	$ 0	$ 0
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 525
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Loans, net:
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives		$ 525

Derivative Investments (Narrati

Derivative Investments (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Derivative [Line Items]
Estimated amount to be reclassed in the next 12 months as an increase to expense	$ 35,882
Cash collateral held by counterparty	26,045	$ 24,236
Carrying Amount
Derivative [Line Items]
Cash collateral held by counterparty	$ 26,045	$ 24,236
Interest Rate Swap | Interest Rate Expense due to SWAP terminations
Derivative [Line Items]
Interest expense and prepayment fees related to swap terminations			$ 7,775
Interest Rate Swap | Prepayment Penalties due to SWAP terminations
Derivative [Line Items]
Interest expense and prepayment fees related to swap terminations			$ 48
Cash Flow Hedging | Interest Rate Swap | Designated as Hedging Instrument
Derivative [Line Items]
Derivative, Average Remaining Maturity	2 years 8 months 12 days	2 years 6 months
Derivative, Weighted Average Fixed Rate Paid On Swap	1.88%	1.88%

Derivative Instruments (Schedul

Derivative Instruments (Schedule Of Derivative Instruments In Statement Of Financial Position, Fair Value) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Interest Rate Derivatives, at Fair Value, Net	$ (333)	$ 525
Derivative, Notional Amount	9,170	24,826
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Assets
Derivatives, Fair Value [Line Items]
Interest Rate Derivatives, at Fair Value, Net	0	525
Derivative, Notional Amount	0	24,826
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Liabilities
Derivatives, Fair Value [Line Items]
Interest Rate Derivatives, at Fair Value, Net	(333)	0
Derivative, Notional Amount	9,170	0
Cash Flow Hedging | Designated as Hedging Instrument | Interest Rate Swap
Derivatives, Fair Value [Line Items]
Interest Rate Derivatives, at Fair Value, Net	0	0
Derivative, Notional Amount	1,550,000	2,450,000
Cash Flow Hedging | Designated as Hedging Instrument | Interest Rate Swap | Other Assets
Derivatives, Fair Value [Line Items]
Interest Rate Derivatives, at Fair Value, Net	0	0
Derivative, Notional Amount	1,550,000	250,000
Cash Flow Hedging | Designated as Hedging Instrument | Interest Rate Swap | Other Liabilities
Derivatives, Fair Value [Line Items]
Interest Rate Derivatives, at Fair Value, Net	0	0
Derivative, Notional Amount	$ 0	$ 2,200,000

Derivative Instruments (Sched_2

Derivative Instruments (Schedule Of Effect Of Derivative Instruments, Gain (Loss) In Statement Of Financial Performance) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Designated as Hedging Instrument | Cash Flow Hedging
Derivatives, Fair Value [Line Items]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]			Borrowed funds from non-thrift subsidiaries
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	$ (22,740)	$ (44,534)
OCI, Cash Flow Hedge, Reclassification for Discontinuance, Statement of Income or Comprehensive Income [Extensible Enumeration]		Borrowed funds from non-thrift subsidiaries	Borrowed funds from non-thrift subsidiaries
Other Comprehensive Income (Loss), Cash Flow Hedge, Reclassification for Discontinuance, before Tax	$ 0	$ 0	$ (7,775)
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]	Borrowed funds from non-thrift subsidiaries	Borrowed funds from non-thrift subsidiaries	Borrowed funds from non-thrift subsidiaries
Designated as Hedging Instrument | Cash Flow Hedging | Other Comprehensive Income (Loss)
Derivatives, Fair Value [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	$ 141,163	$ 27,848	$ (115,396)
Not Designated as Hedging Instrument | Interest Rate Lock Commitments
Derivatives, Fair Value [Line Items]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Total	$ (858)	$ (669)	$ 1,150
Not Designated as Hedging Instrument | Forward Commitments For Sale Of Mortgage Loans
Derivatives, Fair Value [Line Items]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Net gain on the sale of loans	Net gain on the sale of loans	Net gain on the sale of loans
Total	$ 0	$ 134	$ (134)

Parent Company Only Financial_3

Parent Company Only Financial Statements (Schedule Of Statements Of Condition) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2019
Assets
Cash and due from banks	$ 18,961	$ 27,346
Investment securities available-for-sale	457,908	421,783
Investments in
Other assets	95,428	91,586
TOTAL ASSETS	15,789,879	14,057,450
Liabilities and shareholders' equity
Accrued expenses and other liabilities	84,139	88,641
Total liabilities	$ 13,945,540	$ 12,325,170
Preferred stock, shares outstanding	0	0
Preferred stock	$ 0	$ 0
Common stock	3,323	3,323
Paid-in capital	1,751,223	1,746,887
Treasury stock	(771,986)	(768,035)
Unallocated ESOP shares	(31,417)	(35,751)
Retained earnings - substantially restricted	870,047	853,657
Accumulated other comprehensive loss	23,149	(67,801)
Total shareholders' equity	1,844,339	1,732,280	$ 1,671,853	$ 1,696,754
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	15,789,879	14,057,450
TFS Financial Corporation
Assets
Cash and due from banks	1,341	5,357
Investment securities available-for-sale	3,619	0
Investments in
Prepaid federal and state taxes	0	655
Deferred income taxes	296	285
Other assets	9,158	9,397
TOTAL ASSETS	1,854,523	1,740,889
Liabilities and shareholders' equity
Accrued expenses and other liabilities	2,532	2,773
Accrued Income Taxes	167	0
Total liabilities	$ 10,184	$ 8,609
Preferred stock, shares outstanding	0	0
Preferred stock	$ 0	$ 0
Common stock	3,323	3,323
Paid-in capital	1,751,223	1,746,887
Treasury stock	(771,986)	(768,035)
Unallocated ESOP shares	(31,417)	(35,751)
Retained earnings - substantially restricted	870,047	853,657
Accumulated other comprehensive loss	23,149	(67,801)
Total shareholders' equity	1,844,339	1,732,280
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,854,523	1,740,889
TFS Financial Corporation | Line of Credit
Liabilities and shareholders' equity
Line of credit due non-thrift subsidiary	7,485	5,836
TFS Financial Corporation | Demand loan due from Third Federal Savings and Loan
Assets
Other loans:	184,772	185,076
TFS Financial Corporation | ESOP loan receivable
Assets
Other loans:	41,927	46,454
TFS Financial Corporation | Bank Subsidiary
Investments in
Investments in	1,605,306	1,487,284
TFS Financial Corporation | Non Bank Subsidiary
Investments in
Investments in	$ 8,104	$ 6,381

Parent Company Only Financial_4

Parent Company Only Financial Statements Parent Company Only Financial Statements (Additional) (Details) - $ / shares	Sep. 30, 2022	Sep. 30, 2021
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	280,582,741	280,761,299
Treasury stock, shares	51,736,009	51,557,451
TFS Financial Corporation
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	280,582,741	280,761,299
Treasury stock, shares	51,736,009	51,557,451

Parent Company Only Financial_5

Parent Company Only Financial Statements (Schedule Of Statements Of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Interest income
Investment securities available for sale	$ 5,501	$ 3,822	$ 9,707
Interest expense
Borrowed funds from non-thrift subsidiaries	64,994	60,402	72,788
Interest expense	141,937	157,721	213,030
Net interest income	267,396	231,630	242,268
Non-interest Expense
Salaries and employee benefits	109,339	108,867	104,008
Other operating expenses	26,541	28,336	31,143
Total non-interest expense	198,146	195,835	192,274
Income before income taxes	92,054	100,094	100,245
Net income tax effect	17,489	19,087	16,928
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings)
Net income	74,565	81,007	83,317
Change in net unrealized gain (loss) on securities available for sale	(34,860)	(3,733)	6,859
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent	127,093	56,096	(69,391)
Total other comprehensive income (loss)	90,950	64,164	(62,586)
Total comprehensive income	165,515	145,171	20,731
TFS Financial Corporation
Interest income
Interest Income, Other	6	1	43
Investment securities available for sale	43	0	0
Total interest income	3,049	1,897	4,003
Interest expense
Borrowed funds from non-thrift subsidiaries	97	7	291
Interest expense	97	7	291
Net interest income	2,952	1,890	3,712
Non-interest income
Intercompany service charges	30	85	77
Total other income	56,030	55,085	73,077
Non-interest Expense
Salaries and employee benefits	4,534	4,917	5,012
Professional services	1,456	1,566	1,323
Office property and equipment	13	3	10
Other operating expenses	223	176	254
Total non-interest expense	6,226	6,662	6,599
Income before income taxes	52,756	50,313	70,190
Net income tax effect	(2,826)	(3,848)	(4,404)
Income (loss) before undistributed earnings of subsidiaries	55,582	54,161	74,594
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings)
Net income	74,565	81,007	83,317
Change in net unrealized gain (loss) on securities available for sale	(34,860)	(3,733)	6,859
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent	127,093	56,096	(69,391)
Change in pension obligation	(1,283)	11,801	(54)
Total other comprehensive income (loss)	90,950	64,164	(62,586)
Total comprehensive income	165,515	145,171	20,731
TFS Financial Corporation | Demand loan due from Third Federal Savings and Loan
Interest income
Other Interest	1,600	164	1,412
TFS Financial Corporation | ESOP loan receivable
Interest income
Other Interest	1,400	1,732	2,548
TFS Financial Corporation | Bank Subsidiary
Non-interest income
Dividends paid to the Company by Subsidiary	56,000	55,000	57,000
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings)
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings):	17,260	24,738	19,418
TFS Financial Corporation | Non Bank Subsidiary
Non-interest income
Dividends paid to the Company by Subsidiary	0	0	16,000
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings)
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings):	$ 1,723	$ 2,108	$ (10,695)

Parent Company Only Financial_6

Parent Company Only Financial Statements (Schedule Of Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Cash flows from operating activities
Net income	$ 74,565	$ 81,007	$ 83,317
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings
Deferred income taxes	(26,876)	(14,249)	21,802
ESOP and stock-based compensation expense	11,009	13,711	12,117
Net decrease (increase) in interest receivable and other assets	(13,043)	7,697	(17,970)
Net cash provided by operating activities	38,929	83,155	121,798
Cash flows from investing activities
Payments to Acquire Debt Securities, Available-for-Sale	(250,022)	(297,466)	(171,464)
Net Cash Provided by (Used in) Investing Activities	(1,875,095)	547,356	147,576
Cash flows from financing activities
Acquisition of treasury shares	(6,290)	(5,591)	(2,320)
Dividends paid to common shareholders	(58,297)	(56,637)	(55,465)
Net cash provided (used in) by financing activities	1,717,404	(640,218)	(46,484)
Cash and cash equivalents—beginning of year	488,326
Cash and cash equivalents—end of year	369,564	488,326
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	(118,762)	(9,707)	222,890
TFS Financial Corporation
Cash flows from operating activities
Net income	74,565	81,007	83,317
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings
Deferred income taxes	81	204	2,114
ESOP and stock-based compensation expense	1,543	1,843	1,893
Net decrease (increase) in interest receivable and other assets	908	12,593	(3,337)
Net increase (decrease) in accrued expenses and other liabilities	48	(200)	241
Net cash provided by operating activities	58,162	68,601	75,505
Cash flows from investing activities
Payments to Acquire Debt Securities, Available-for-Sale	(4,071)	0	0
Increase in balances lent to Third Federal Savings and Loan	304	(12,222)	(31,899)
Net Cash Provided by (Used in) Investing Activities	(3,767)	(12,222)	37,101
Cash flows from financing activities
Principal reduction of ESOP loan	4,527	4,063	3,719
Acquisition of treasury shares	(5,049)	0	(413)
Dividends paid to common shareholders	(58,297)	(56,637)	(55,465)
Payment, Tax Withholding, Share-Based Payment Arrangement	(1,241)	(5,591)	(1,907)
Net increase (decrease) in borrowings from non-thrift subsidiaries	1,649	1,787	(58,497)
Net cash provided (used in) by financing activities	(58,411)	(56,378)	(112,563)
Cash and cash equivalents—beginning of year	5,357	5,356	5,313
Cash and cash equivalents—end of year	1,341	5,357	5,356
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	(4,016)	1	43
TFS Financial Corporation | Bank Subsidiary
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings:	(17,260)	(24,738)	(19,418)
TFS Financial Corporation | Non Bank Subsidiary
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings:	(1,723)	(2,108)	10,695
Cash flows from investing activities
Repayment of capital contributions	$ 0	$ 0	$ 69,000

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - shares	Sep. 30, 2022	Sep. 30, 2021
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)	3,141,711	3,575,051

Earnings Per Share (Summary Of

Earnings Per Share (Summary Of Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Earnings Per Share [Abstract]
Net income	$ 74,565	$ 81,007	$ 83,317
Less: income allocated to restricted stock units	1,510	1,555	1,579
Income available to common shareholders	$ 73,055	$ 79,452	$ 81,738
Income available to common shareholders, Shares	277,370,762	276,694,594	275,859,660
Income available to common shareholders, Per share amount	$ 0.26	$ 0.29	$ 0.30
Effect of dilutive potential common shares	1,315,603	1,881,660	1,943,398
Income available to common shareholders	$ 73,055	$ 79,452	$ 81,738
Income available to common shareholders, Shares	278,686,365	278,576,254	277,803,058
Income available to common shareholders, Per share amount	$ 0.26	$ 0.29	$ 0.29

Earnings Per Share Earnings Per

Earnings Per Share Earnings Per Share (Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share) (Details) - shares	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
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)	407,100	133,800	573,500
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)	50,000	0	44,030

Related Party Disclosures (Deta

Related Party Disclosures (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Related Party Transactions [Abstract]
Loans to related parties	$ 0	$ 64