TFS Financial (TFSL) 10-Q 8 Feb 23 2023 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Dec. 31, 2022	Feb. 06, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Dec. 31, 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
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	TFSL
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		280,327,291
Entity Central Index Key	0001381668
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
Amendment Flag	false

Consolidated Statements Of Cond

Consolidated Statements Of Condition (unaudited) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
ASSETS
Cash and due from banks	$ 31,515	$ 18,961
Other interest-earning cash equivalents	412,066	350,603
Cash and cash equivalents	443,581	369,564
Investments securities available-for-sale	473,131	457,908
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance	12,549	9,661
Loans held for investment, net:
Deferred loan expenses, net	51,768	50,221
Allowance for credit losses on loans	(74,477)	(72,895)
Loans, net	14,473,495	14,257,067
Mortgage loan servicing rights, net	7,815	7,943
Federal Home Loan Bank stock, at cost	222,415	212,290
Real estate owned, net	1,378	1,191
Premises, equipment, and software, net	35,252	34,531
Accrued interest receivable	45,317	40,256
Bank owned life insurance contracts	306,216	304,040
Other assets	107,828	95,428
TOTAL ASSETS	16,128,977	15,789,879
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	9,014,295	8,921,017
Borrowed funds	4,987,287	4,793,221
Borrowers’ advances for insurance and taxes	109,070	117,250
Principal, interest, and related escrow owed on loans serviced	28,500	29,913
Accrued expenses and other liabilities	140,236	84,139
Total liabilities	14,279,388	13,945,540
Commitments and contingent liabilities
Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding	0	0
Common Stock, Value, Issued	3,323	3,323
Paid-in capital	1,751,020	1,751,223
Treasury stock, at cost; 51,945,136 and 51,736,009 shares at December 31, 2022 and September 30, 2022, respectively	(775,154)	(771,986)
Unallocated ESOP shares	(30,334)	(31,417)
Retained earnings—substantially restricted	877,713	870,047
Accumulated other comprehensive income (loss)	23,021	23,149
Total shareholders’ equity	1,849,589	1,844,339
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	16,128,977	15,789,879
Mortgage loans
Loans held for investment, net:
Loans, gross	14,492,723	14,276,478
Other Loans
Loans held for investment, net:
Loans, gross	$ 3,481	$ 3,263

Consolidated Statements Of Co_2

Consolidated Statements Of Condition (unaudited) (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Statement of Financial Position [Abstract]
Investment securities available for sale, amortized cost	$ 519,536	$ 501,597
Mortgage loans held for sale measured at fair value	$ 12,549	$ 9,661
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares outstanding	0	0
Preferred stock, shares issued	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	280,373,614	280,582,741
Treasury stock, shares	51,945,136	51,736,009
Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding	$ 0	$ 0

Consolidated Statements Of Inco

Consolidated Statements Of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$ 129,665	$ 90,119
Investment securities available for sale	3,062	960
Other interest and dividend earning assets	6,243	1,011
Total interest and dividend income	138,970	92,090
INTEREST EXPENSE:
Deposits	29,855	19,251
Borrowed funds	33,958	14,995
Total interest expense	63,813	34,246
NET INTEREST INCOME	75,157	57,844
PROVISION (RELEASE) FOR CREDIT LOSSES	(1,000)	(2,000)
NET INTEREST INCOME AFTER PROVISION (RELEASE) FOR CREDIT LOSSES	76,157	59,844
NON-INTEREST INCOME:
Net gain on the sale of loans	17	2,187
Increase in and death benefits from bank owned life insurance contracts	2,238	2,911
Other	966	652
Total non-interest income	5,157	8,154
NON-INTEREST EXPENSE:
Salaries and employee benefits	28,403	26,515
Marketing services	7,713	5,626
Office property, equipment and software	6,800	6,639
Federal insurance premium and assessments	2,761	2,012
State franchise tax	1,208	1,224
Other expenses	6,309	5,657
Total non-interest expense	53,194	47,673
INCOME BEFORE INCOME TAXES	28,120	20,325
INCOME TAX EXPENSE	5,927	4,185
NET INCOME	$ 22,193	$ 16,140
Earnings Per Share, Diluted	$ 0.08	$ 0.06
Income available to common shareholders, per share amount, basic	$ 0.08	$ 0.06
Weighted average shares outstanding
Basic	277,320,904	277,225,121
Diluted	278,462,937	278,903,373
Banking
NON-INTEREST INCOME:
Fees and service charges, net of amortization	$ 1,936	$ 2,404

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Net income	$ 22,193	$ 16,140
Other comprehensive income (loss), net of tax:
Net change in unrealized (loss) on securities available for sale	(1,961)	(3,083)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax	1,636	20,649
Net change in defined benefit plan obligation	197	96
Other comprehensive income (loss)	(128)	17,662
Total comprehensive income	$ 22,065	$ 33,802

Consolidated Statements Of Shar

Consolidated Statements Of Shareholders' Equity (unaudited) - USD ($) $ in Thousands	Total	Common Stock	Paid-In Capital	Treasury Stock	Unallocated Common Stock Held By ESOP	Retained Earnings	Accumulated other comprehensive income (loss)
Balance at Sep. 30, 2021	$ 1,732,280	$ 3,323	$ 1,746,887	$ (768,035)	$ (35,751)	$ 853,657	$ (67,801)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	16,140					16,140
Other comprehensive income (loss), net of tax	17,662					0	17,662
ESOP shares allocated or committed to be released	2,069		985		1,084
Compensation costs for equity incentive plans	1,026		1,026			0
Purchase of treasury stock	(285)			(285)
Treasury stock allocated to equity incentive plan	(1,043)		(1,906)	863		0
Dividends paid to common shareholders	(14,479)					(14,479)
Balance at Dec. 31, 2021	1,753,370	3,323	1,746,992	(767,457)	(34,667)	855,318	(50,139)
Balance at Sep. 30, 2022	1,844,339	3,323	1,751,223	(771,986)	(31,417)	870,047	23,149
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	22,193					22,193
Other comprehensive income (loss), net of tax	(128)					0	(128)
ESOP shares allocated or committed to be released	1,480		397		1,083
Compensation costs for equity incentive plans	1,151		1,151			0
Purchase of treasury stock	(4,316)			(4,316)
Treasury stock allocated to equity incentive plan	(603)		(1,751)	1,148		0
Dividends paid to common shareholders	(14,527)					(14,527)
Balance at Dec. 31, 2022	$ 1,849,589	$ 3,323	$ 1,751,020	$ (775,154)	$ (30,334)	$ 877,713	$ 23,021

Consolidated Statements Of Sh_2

Consolidated Statements Of Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Purchase of treasury stock (in shares)	315,000	16,000
Dividends paid to common shareholders (per common share)	$ 0.2825	$ 0.2825

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 22,193	$ 16,140
Adjustments to reconcile net income to net cash provided by operating activities:
ESOP and stock-based compensation expense	2,631	3,095
Depreciation and amortization	4,209	7,193
Deferred income taxes	(45)	3
Provision (release) for credit losses	(1,000)	(2,000)
Net gain on the sale of loans	(17)	(2,187)
Other net (gains) losses	(300)	199
Proceeds from sales of loans held for sale	6,699	10,454
Loans originated and principal repayments on loans for sale	(9,676)	(23,460)
Increase in bank owned life insurance contracts	(2,238)	(2,136)
Net (increase) decrease in interest receivable and other assets	(6,617)	3,091
Net increase (decrease) in accrued expenses and other liabilities	62,971	(2,735)
Net cash provided by operating activities	78,810	7,657
CASH FLOWS FROM INVESTING ACTIVITIES:
Loans originated	(857,810)	(1,206,814)
Principal repayments on loans	626,555	994,804
Proceeds from principal repayments and maturities of:
Securities available for sale	21,945	57,735
Proceeds from sale of:
Loans	12,381	60,418
Real estate owned	45	310
Purchases of:
FHLB stock	(10,125)	0
Payments to Acquire Debt Securities, Available-for-sale	(40,318)	(65,261)
Premises and equipment	(1,963)	(281)
Other	457	1,534
Net cash used in investing activities	(248,833)	(157,555)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	92,037	(60,005)
Net decrease in borrowers’ advances for insurance and taxes	(8,180)	33,705
Net decrease in principal and interest owed on loans serviced	(1,413)	(5,821)
Net increase (decrease) in short-term borrowed funds	(85,000)	(60,000)
Net increase (decrease) in Fed Funds purchased	(75,000)	0
Proceeds from Issuance of Long-Term Debt	350,000	150,000
Repayment of long-term borrowed funds	(1,142)	(1,329)
Cash collateral received from (provided to) derivative counterparties	(7,677)	29,114
Purchase of treasury shares	(4,919)	(1,364)
Dividends paid to common shareholders	(14,666)	(14,719)
Net cash provided by financing activities	244,040	69,581
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	74,017	(80,317)
CASH AND CASH EQUIVALENTS—Beginning of period	369,564	488,326
CASH AND CASH EQUIVALENTS—End of period	443,581	408,009
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for income taxes	428	286
SUPPLEMENTAL SCHEDULES OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Transfer of loans to real estate owned	236	73
Transfer of loans from held for investment to held for sale	12,368	74,509
Treasury stock issued for stock benefit plans	1,751	1,906
Deposits
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	28,797	19,571
Borrowed funds
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	35,375	4,066
Interest Rate Swap
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Payments For Proceeds From Interest On Interest Rate Swaps	$ (4,064)	$ 10,946

Basis Of Presentation

Basis Of Presentation	3 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
Basis Of Presentation	BASIS OF PRESENTATION TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering and, to a much lesser extent, other financial services. As of December 31, 2022, approximately 81% of the Company’s outstanding shares were owned by the federally chartered mutual holding company, Third Federal Savings and Loan Association of Cleveland, MHC. The thrift subsidiary of TFS Financial Corporation is Third Federal Savings and Loan Association of Cleveland. The accounting and financial reporting policies followed by the Company conform in all material respects to U.S. GAAP and to general practices in the financial services industry. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for credit losses, the valuation of deferred tax assets, and the determination of pension obligations are particularly subject to change. The unaudited interim consolidated financial statements reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial condition of the Company at December 31, 2022, and its consolidated results of operations and cash flows for the periods presented. Such adjustments are the only adjustments reflected in the unaudited interim financial statements. In accordance with SEC Regulation S-X for interim financial information, these financial statements do not include certain information and footnote disclosures required for complete audited financial statements. The Company’s Annual Report on Form 10-K for the fiscal year ended September 30, 2022 contains audited consolidated financial statements and related notes, which should be read in conjunction with the accompanying interim consolidated financial statements. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for the fiscal year ending September 30, 2023 or for any other period. Effective October 1, 2020, the Company adopted ASU 2016-13, Financial Instruments — Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended, which replaces the incurred loss methodology with an expected loss methodology referred to as the CECL methodology. Refer to NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES for additional details. Per ASC 606, Revenue from Contracts with Customers, an entity is required 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 not material to the Company's consolidated financial statements and therefore quantitative information regarding these streams is not disclosed .

Earnings Per Share

Earnings Per Share	3 Months Ended
	Dec. 31, 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 December 31, 2022 and 2021, respectively, the ESOP held 3,033,376 and 3,466,716 shares, respectively, that were neither allocated to participants nor committed to be released to participants. The following is a summary of the Company's earnings per share calculations. For the Three Months Ended December 31, 2022 2021 Income Shares Per share Income Shares Per share (Dollars in thousands, except per share data) Net income $ 22,193 $ 16,140 Less: income allocated to restricted stock units 389 369 Basic earnings per share: Income available to common shareholders $ 21,804 277,320,904 $ 0.08 $ 15,771 277,225,121 $ 0.06 Diluted earnings per share: Effect of dilutive potential common shares 1,142,033 1,678,252 Income available to common shareholders $ 21,804 278,462,937 $ 0.08 $ 15,771 278,903,373 $ 0.06 The following is a summary of outstanding stock options and restricted and performance share units that are excluded from the computation of diluted earnings per share because their inclusion would be anti-dilutive. For the Three Months Ended December 31, 2022 2021 Options to purchase shares 2,043,575 133,800 Restricted and performance stock units 40,000 —

Investment Securities

Investment Securities	3 Months Ended
	Dec. 31, 2022
Investments [Abstract]
Investment Securities	INVESTMENT SECURITIES Investments available for sale are summarized in the tables below. Accrued interest in the periods presented is $1,249 and $1,122 as of December 31, 2022 and September 30, 2022, respectively, and is reported in accrued interest receivable on the CONSOLIDATED STATEMENTS OF CONDITION . December 31, 2022 Amortized Gross Fair Gains Losses REMICs $ 514,549 $ 26 $ (46,037) $ 468,538 Fannie Mae certificates 934 10 (1) 943 U.S. government and agency obligations 4,053 — (403) 3,650 Total $ 519,536 $ 36 $ (46,441) $ 473,131 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 The following is a summary of our securities portfolio by the period remaining until contractual maturity and yield at December 31, 2022. Maturities are based on the final contractual payment dates, and do not reflect the impact of prepayments or early redemptions that may occur. 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. December 31, 2022 September 30, 2022 Amortized Cost Fair Value Weighted Average Yield Amortized Cost Fair Value Weighted Average Yield Less than one year $ 180 $ 176 1.89 % $ — $ — — % One to five years 13,835 13,139 2.10 % 15,476 14,775 2.06 % Five to ten years 39,090 37,021 2.29 % 38,927 37,204 2.30 % Ten years or greater 466,431 422,795 2.57 % 447,194 405,929 2.25 % Total $ 519,536 $ 473,131 2.53 % $ 501,597 $ 457,908 2.25 % Gross unrealized losses on available for sale securities and the estimated fair value of the related securities, aggregated by the length of time the securities have been in a continuous loss position, at December 31, 2022 and September 30, 2022, were as follows: December 31, 2022 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 215,958 $ 10,315 $ 240,933 $ 35,722 $ 456,891 $ 46,037 Fannie Mae certificates 246 1 — — 246 1 U.S. government and agency obligations — — 3,650 403 3,650 403 Total $ 216,204 $ 10,316 $ 244,583 $ 36,125 $ 460,787 $ 46,441 September 30, 2022 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 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 The unrealized losses on investment securities were attributable to changes in market interest rates. The contractual terms of U.S. government and agency obligations do not permit the issuer to settle the security at a price less than the par value of the investment. The contractual cash flows of mortgage-backed securities are guaranteed by Fannie Mae, Freddie Mac and Ginnie Mae. REMICs are issued by or backed by securities issued by these governmental agencies. It is expected that the securities would not be settled at a price substantially less than the amortized cost of the investment. The U.S. Treasury Department established financing agreements in 2008 to ensure Fannie Mae and Freddie Mac meet their obligations to holders of mortgage-backed securities that they have issued or guaranteed. Since the decline in value is attributable to changes in market interest rates and not credit quality and because the Company has neither the intent to sell the securities nor is it more likely than not the Company will be required to sell the securities for the time periods necessary to recover the amortized cost, the Company expects to receive all contractual cash flows from these investments. Therefore, no allowance for credit losses is recorded with respect to securities as of December 31, 2022.

Loans And Allowance For Credit

Loans And Allowance For Credit Losses	3 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Loans And Allowance For Loan Losses	LOANS AND ALLOWANCE FOR CREDIT LOSSES LOAN PORTFOLIOS Loans held for investment consist of the following: December 31, September 30, Real estate loans: Residential Core $ 11,687,740 $ 11,539,859 Residential Home Today 51,404 53,255 Home equity loans and lines of credit 2,699,513 2,633,878 Construction 113,815 121,759 Real estate loans 14,552,472 14,348,751 Other loans 3,481 3,263 Add (deduct): Deferred loan expenses, net 51,768 50,221 Loans in process (59,749) (72,273) Allowance for credit losses on loans (74,477) (72,895) Loans held for investment, net $ 14,473,495 $ 14,257,067 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 $44,068 and $39,124 as of December 31, 2022 and September 30, 2022, 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 December 31, 2022 and September 30, 2022, the percentage of aggregate Residential Core, Home Today and Construction loans secured by properties in Ohio was 57% and 56%, respectively, and the percentage of loans secured by properties in Florida was 18%, as of both dates. As of December 31, 2022 and September 30, 2022, home equity loans and lines of credit were concentrated in the states of Ohio (26% and 27% respectively), Florida (21% and 20% respectively), and California (17% and 16% 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 $4,703,176 and $4,668,089 at December 31, 2022 and September 30, 2022, respectively. Home Today was an affordable housing program targeted to benefit low- and moderate-income home buyers and most loans under the program were originated prior to 2009. No new loans were originated under the Home Today program after September 30, 2016. 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. The Company offers construction/permanent loans with fixed or adjustable-rates, and a current maximum loan-to-completed-appraised value ratio of 85%. Other loans are comprised of loans secured by certificate of deposit accounts, which are fully recoverable in the event of non-payment, and forgivable down payment assistance loans, which are unsecured loans used as down payment assistance to borrowers qualified through partner housing agencies. The Company records a liability for the down payment assistance loans which are forgiven in equal increments over a pre-determined term, subject to residency requirements. Loans held for sale include loans originated with the intent to sell which are generally priced in alignment with secondary market pricing and may be subject to loan level pricing adjustments. Additionally, loans originated for the held for investment portfolio may later be identified for sale and transferred to the held for sale portfolio, which may include loans originated within the parameters of programs established by Fannie Mae. During the three months ended December 31, 2022 and December 31, 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 December 31, 2022 and September 30, 2022, respectively, mortgage loans held for sale totaled $12,549 and $9,661. During the three months ended December 31, 2022, the principal balance of loans sold was $19,182 (including no loans in contracts pending settlement) compared to $102,006 (including $32,968 in contracts pending settlement) during three months ended December 31, 2021. During both the three months ended December 31, 2022 and December 31, 2021, 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 December 31, 2022 and September 30, 2022 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 60-89 90 Days or Total Past Current Total December 31, 2022 Real estate loans: Residential Core $ 6,856 $ 1,744 $ 7,525 $ 16,125 $ 11,691,893 $ 11,708,018 Residential Home Today 1,253 537 1,179 2,969 47,980 50,949 Home equity loans and lines of credit 3,021 754 2,951 6,726 2,725,715 2,732,441 Construction — — — — 53,083 53,083 Total real estate loans 11,130 3,035 11,655 25,820 14,518,671 14,544,491 Other loans — — — — 3,481 3,481 Total $ 11,130 $ 3,035 $ 11,655 $ 25,820 $ 14,522,152 $ 14,547,972 30-59 60-89 90 Days or 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 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 in TDRs 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 December 31, 2022 or September 30, 2022. December 31, 2022 September 30, 2022 Non-accrual with No ACL Total Non-accrual with No ACL Total Real estate loans: Residential Core $ 19,587 $ 21,058 $ 20,995 $ 22,644 Residential Home Today 5,345 5,783 5,753 6,037 Home equity loans and lines of credit 6,912 7,289 6,668 6,925 Total non-accrual loans $ 31,844 $ 34,130 $ 33,416 $ 35,606 At December 31, 2022 and September 30, 2022, respectively, the amortized cost in non-accrual loans includes $22,484 and $23,159 which are performing according to the terms of their agreement, of which $12,752 and $13,526 are loans in Chapter 7 bankruptcy status, primarily where all borrowers have filed, and have not reaffirmed or been dismissed. At December 31, 2022 and September 30, 2022, real estate loans include $8,768 and $9,833, 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 $162 and for the three months ended December 31, 2022 and $186 for three months ended December 31, 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 TDR, payments are greater than 90 days delinquent; • For all classes of loans restructured in a TDR with a high debt-to-income ratio at time of modification; • For all classes of loans, a sheriff sale is scheduled within 60 days to sell the collateral securing the loan; • For all classes of loans, all borrowers have been discharged of their obligation through a Chapter 7 bankruptcy; • For all classes of loans, within 60 days of notification, all borrowers obligated on the loan have filed Chapter 7 bankruptcy and have not reaffirmed or been dismissed; • For all classes of loans, a borrower obligated on a loan has filed bankruptcy and the loan is greater than 30 days delinquent; and • For all classes of loans, it becomes evident that a loss is probable. Collateral-dependent residential mortgage loans and construction loans are charged-off to the extent the 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 December 31, 2022 and September 30, 2022, respectively, allowances on individually reviewed TDRs (IVAs), evaluated for credit losses based on the present value of cash flows, were $10,120 and $10,284. 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. The allowance is estimated at each reporting date 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 December 31, 2022 was a net reduction of $7,796. 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 11. LOAN COMMITMENTS AND CONTINGENT LIABILITIES for further details on the allowance for unfunded commitments. For the Three Months Ended December 31, 2022 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 53,506 $ 792 $ (114) $ 314 $ 54,498 Residential Home Today (997) (506) (173) 691 (985) Home equity loans and lines of credit 20,032 (402) (127) 1,080 20,583 Construction 354 27 — — 381 Total real estate loans $ 72,895 $ (89) $ (414) $ 2,085 $ 74,477 Total Unfunded Loan Commitments (1) $ 27,021 $ (911) $ — $ — $ 26,110 Total Allowance for Credit Losses $ 99,916 $ (1,000) $ (414) $ 2,085 $ 100,587 (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. For the Three Months Ended December 31, 2021 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 44,523 $ (506) $ (26) $ 481 $ 44,472 Residential Home Today 15 (685) (12) 588 (94) Home equity loans and lines of credit 19,454 (1,529) (237) 1,164 18,852 Construction 297 49 — — 346 Total real estate loans $ 64,289 $ (2,671) $ (275) $ 2,233 $ 63,576 Total Unfunded Loan Commitments (1) $ 24,970 $ 671 $ — $ — $ 25,641 Total Allowance for Credit Losses $ 89,259 $ (2,000) $ (275) $ 2,233 $ 89,217 (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 as of the dates presented. 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. Home 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 and no construction loans are classified Substandard for either period presented. No construction loans are classified Special Mention at December 31, 2022. Balances are adjusted for deferred loan fees and expenses and any applicable loans-in-process. Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term By fiscal year of origination 2023 2022 2021 2020 2019 Prior Total December 31, 2022 Real estate loans: Residential Core Pass $ 463,396 $ 3,274,958 $ 2,204,396 $ 1,451,445 $ 610,582 $ 3,670,822 $ — $ — $ 11,675,599 Special Mention — — 260 — 108 1,273 — — 1,641 Substandard — 156 563 2,856 1,269 25,934 — — 30,778 Total Residential Core 463,396 3,275,114 2,205,219 1,454,301 611,959 3,698,029 — — 11,708,018 Residential Home Today (1) Pass — — — — — 43,574 — — 43,574 Substandard — — — — — 7,375 — — 7,375 Total Residential Home Today — — — — — 50,949 — — 50,949 Home equity loans and lines of credit Pass 41,476 85,098 28,770 8,704 7,395 17,181 2,448,906 82,118 2,719,648 Special Mention — 253 117 47 — 53 2,294 321 3,085 Substandard — — 73 53 19 142 2,971 6,450 9,708 Total Home equity loans and lines of credit 41,476 85,351 28,960 8,804 7,414 17,376 2,454,171 88,889 2,732,441 Construction Pass 4,608 44,451 4,024 — — — — — 53,083 Total Construction 4,608 44,451 4,024 — — — — — 53,083 Total real estate loans Pass 509,480 3,404,507 2,237,190 1,460,149 617,977 3,731,577 2,448,906 82,118 14,491,904 Special Mention — 253 377 47 108 1,326 2,294 321 4,726 Substandard — 156 636 2,909 1,288 33,451 2,971 6,450 47,861 Total real estate loans $ 509,480 $ 3,404,916 $ 2,238,203 $ 1,463,105 $ 619,373 $ 3,766,354 $ 2,454,171 $ 88,889 $ 14,544,491 (1) No new originations of Home Today loans since fiscal 2016. Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term By fiscal year of origination 2022 2021 2020 2019 2018 Prior 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 Construction Pass 37,810 10,668 — — — — — — 48,478 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. The home equity lines of credit converted from revolving to term loans during the three months ended December 31, 2022 and December 31, 2021, respectively, totaled $396 and $40. The amount of conversions to term loans is expected to remain low for several years since the length of the draw period on new originations changed from five to ten years in 2016. 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. Included in Special Mention loans are residential mortgage loans purchased which were current and performing at the time of purchase, but due to the absence of mortgage insurance coverage are potentially weaker repayment prospects when compared with the Company's originated residential Core portfolio. 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 effected in the future. At December 31, 2022 and September 30, 2022, respectively, $75,445 and $75,904 of TDRs individually evaluated for credit loss have adequately performed under the terms of the restructuring and are classified as Pass loans. Other loans are internally assigned a grade of non-performing when they become 90 days or more past due. At December 31, 2022 and September 30, 2022, 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 December 31, 2022 and September 30, 2022 is shown in the tables below. December 31, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 30,157 $ 17,385 $ 10,873 $ 58,415 Residential Home Today 10,060 11,177 1,884 23,121 Home equity loans and lines of credit 22,490 2,676 1,162 26,328 Total $ 62,707 $ 31,238 $ 13,919 $ 107,864 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 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 three months ended December 31, 2022 and December 31, 2021 (set forth in the tables below), the pre-restructured outstanding amortized cost was not materially different from the post-restructured outstanding amortized cost. The following tables set forth the amortized cost in TDRs restructured during the periods presented. For the Three Months Ended December 31, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 1,447 $ 498 $ 364 $ 2,309 Residential Home Today — 197 — 197 Home equity loans and lines of credit 335 — — 335 Total $ 1,782 $ 695 $ 364 $ 2,841 For the Three Months Ended December 31, 2021 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 904 $ 181 $ 394 $ 1,479 Residential Home Today 133 219 11 363 Home equity loans and lines of credit 22 32 45 99 Total $ 1,059 $ 432 $ 450 $ 1,941 The tables below summarize 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 Three Months Ended December 31, 2022 2021 TDRs That Subsequently Defaulted Number of Amortized Cost Number of Amortized Cost Residential Core 5 $ 676 5 $ 810 Residential Home Today 3 74 10 310 Home equity loans and lines of credit — — 1 149 Total 8 $ 750 16 $ 1,269

Deposits

Deposits	3 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits	DEPOSITS Deposit account balances are summarized as follows: December 31, September 30, Checking accounts $ 1,181,361 $ 1,210,035 Savings accounts, excluding money market accounts 1,302,131 1,364,821 Money market accounts 363,402 481,650 Certificates of deposit 6,164,106 5,862,274 9,011,000 8,918,780 Accrued interest 3,295 2,237 Total deposits $ 9,014,295 $ 8,921,017 The aggregate amount of CD's in denominations of $250 or more was $815,108 and $733,301 at December 31, 2022 and September 30, 2022, respectively. In accordance with the DFA, the maximum amount of deposit insurance is $250 per depositor.

Borrowed Funds

Borrowed Funds	3 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Borrowed Funds	BORROWED FUNDS At December 31, 2022, the Association had a maximum borrowing capacity of $9,396,564, of which $4,987,287 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 December 31, 2022 are summarized in the table below: Borrowing Capacity Borrowings Available Borrowings Outstanding FHLB $ 8,610,263 $ 3,784,668 $ 4,825,595 FRB Cleveland 156,301 156,301 — Fed Funds Purchased 630,000 480,000 150,000 Subtotal $ 9,396,564 $ 4,420,969 4,975,595 Accrued Interest 11,692 Total Borrowings $ 4,987,287 Maturities of borrowings at December 31, 2022 are summarized in the table below. Amount Weighted Maturing in: 12 months or less $ 1,690,000 4.00 % 13 to 24 months 850,000 1.66 % 25 to 36 months 750,000 2.05 % 37 to 48 months 550,737 2.25 % 49 to 60 months 727,675 3.23 % Over 60 months 407,183 3.27 % Total Advances $ 4,975,595 2.94 % Accrued interest 11,692 Total $ 4,987,287 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 swap based three-month and overnight advances. The table above reflects the effective maturities and fixed interest rates of the $1,950,000 of short-term FHLB advances that are tied to interest rate swaps discussed in Note 13. DERIVATIVE INSTRUMENTS.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	3 Months Ended
	Dec. 31, 2022
Equity [Abstract]
Other Comprehensive Income (Loss)	OTHER COMPREHENSIVE INCOME (LOSS) The change in accumulated other comprehensive income (loss) by component is as follows: For the Three Months Ended For the Three Months Ended December 31, 2022 December 31, 2021 Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Balance at beginning of period $ (33,899) $ 68,883 $ (11,835) $ 23,149 $ 961 $ (58,210) $ (10,552) $ (67,801) Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $1,574 and $2,730 (1,961) 6,775 — 4,814 (3,083) 12,270 — 9,187 Amounts reclassified, net of tax expense (benefit) of $(1,427) and $2,450 — (5,139) 197 (4,942) — 8,379 96 8,475 Other comprehensive income (loss) (1,961) 1,636 197 (128) (3,083) 20,649 96 17,662 Balance at end of period $ (35,860) $ 70,519 $ (11,638) $ 23,021 $ (2,122) $ (37,561) $ (10,456) $ (50,139) The following table presents the reclassification adjustment out of accumulated other comprehensive income (loss) included in net income and the corresponding line item on the CONSOLIDATED STATEMENTS OF INCOME for the periods indicated: Amounts Reclassified from Accumulated Details about Accumulated Other Comprehensive Income Components For the Three Months Ended December 31, Line Item in the Consolidated Statements of Income 2022 2021 Cash flow hedges: Interest expense $ (6,624) $ 10,801 Interest expense Net income tax effect 1,485 (2,422) Income tax expense Net of income tax expense (5,139) 8,379 Amortization of defined benefit plan: Actuarial loss 255 124 (a) Net income tax effect (58) (28) Income tax expense Net of income tax expense 197 96 Total reclassifications for the period $ (4,942) $ 8,475 (a) This item is included in the computation of net periodic pension cost. See Note 9. DEFINED BENEFIT PLAN for additional disclosure.

Income Taxes

Income Taxes	3 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and in various state and city jurisdictions. The Company’s combined federal and state effective income tax rate was 21.1% and 20.6% for the three months ended December 31, 2022 and December 31, 2021, respectively. The increase in the effective tax rate is primarily due to excess tax deficiencies associated with equity compensation during the three months ended December 31, 2022 compared to excess tax benefits in the three months ended December 31, 2021. The Company is no longer subject to income tax examinations in its major jurisdictions for tax years prior to 2019. 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 makes certain investments in limited partnerships which invest in affordable housing projects that qualify for the Low Income Housing Tax Credit. The Company acts as a limited partner in these investments and does not exert control over the operating or financial policies of the partnership. The Company accounts for its interests in LIHTCs using the proportional amortization method. The impact of the Company's investments in tax credit entities on the provision for income taxes was not material during the three months ended December 31, 2022 and December 31, 2021.

Defined Benefit Plan

Defined Benefit Plan	3 Months Ended
	Dec. 31, 2022
Retirement Benefits [Abstract]
Defined Benefit Plan	DEFINED BENEFIT PLAN The Third Federal Savings Retirement Plan (the “Plan”) is a defined benefit pension plan. Effective December 31, 2002, the Plan was amended to limit participation to employees who met the Plan’s eligibility requirements on that date. Effective December 31, 2011, the Plan was amended to freeze future benefit accruals for participants in the Plan. After December 31, 2002, employees not participating in the Plan, upon meeting the applicable eligibility requirements, and those eligible participants who no longer receive service credits under the Plan, participate in a separate tier of the Company’s defined contribution 401(k) Savings Plan. Benefits under the Plan are based on years of service and the employee’s average annual compensation (as defined in the Plan) through December 31, 2011. The funding policy of the Plan is consistent with the funding requirements of U.S. federal and other governmental laws and regulations. The components of net periodic cost recognized in other non-interest expense in the CONSOLIDATED STATEMENTS OF INCOME are as follows: Three Months Ended December 31, 2022 2021 Interest cost $ 831 $ 611 Expected return on plan assets (968) (1,301) Amortization of net loss 255 124 Net periodic (benefit) cost $ 118 $ (566)

Equity Incentive Plan

Equity Incentive Plan	3 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Equity Incentive Plan	EQUITY INCENTIVE PLAN In December 2022, 174,550 restricted stock units were granted to certain directors, officers and managers of the Company and 102,000 performance share units were granted to certain officers of the Company. During the three months ended December 31, 2022, there were 4,394 performance shares earned and added to those granted in December 2020, according to the targeted performance formula. The awards were made pursuant to the Amended and Restated 2008 Equity Incentive Plan, which was approved at the annual meeting of shareholders held on February 22, 2018. The following table presents share-based compensation expense recognized during the periods presented. There was no stock option expense for either period presented. Three Months Ended December 31, 2022 2021 Restricted stock units expense 941 898 Performance share units expense 210 128 Total stock-based compensation expense $ 1,151 $ 1,026 At December 31, 2022, 2,358,775 shares were subject to vested options, with a weighted average exercise price of $15.14 per share and a weighted average grant date fair value of $2.55 per share. At December 31, 2022, 576,020 restricted stock units and 218,071 performance share units with a weighted average grant date fair value of $16.50 and $15.87 per unit, respectively, are unvested. Expected future compensation expense relating to the 1,341,768 restricted stock units and 218,071 performance

Commitments And Contingent Liab

Commitments And Contingent Liabilities	3 Months Ended
	Dec. 31, 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 assets on 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 related to off-balance sheet commitments is recorded in other liabilities in the CONSOLIDATED STATEMENTS OF CONDITION. Refer to Note 4. 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 move unfavorably from the position of the Company since the time the commitment was made. At December 31, 2022, the Company had commitments to originate loans and related allowances as follows: Commitment Allowance Fixed-rate mortgage loans $ 107,867 $ 436 Adjustable-rate mortgage loans 100,271 416 Home equity loans and lines of credit 122,805 1,626 Total $ 330,943 $ 2,478 At December 31, 2022, the Company had unfunded commitments outstanding and related allowances as follows: Commitment Allowance Home equity lines of credit $ 4,228,265 $ 23,147 Construction loans 59,749 485 Total $ 4,288,014 $ 23,632 At December 31, 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, was $4,253,178. At December 31, 2022 and September 30, 2022, the Company had $4,397 and $0, respectively, in commitments to sell mortgage loans. The above commitments are expected to be funded through normal operations. The Company is undergoing an escheat audit covering Ohio, Kentucky and Florida. Any potential loss that may result from this matter is not reasonably estimable at December 31, 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	3 Months Ended
	Dec. 31, 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. As permitted under the fair value guidance in U.S. GAAP, the Company elects to measure at fair value mortgage loans classified as held for sale that are subject to pending agency contracts to securitize and sell loans. This election is expected to reduce volatility in earnings related to market fluctuations between the contract trade and settlement dates. At December 31, 2022 and September 30, 2022, respectively, there were no pending agency contracts held for sale. Included in the net loss on the sale of loans is $0 for the three months ending December 31, 2022, and a net loss of $22 for the three months ending December 31, 2021, respectively, related to the changes in fair value of loans held for sale during the period in which loans were 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 December 31, 2022 and September 30, 2022, respectively, this includes $473,131 and $457,908 of investments in U.S. government and agency obligations including U.S. Treasury notes and investments in highly liquid collateralized mortgage obligations, that can include items issued by Fannie Mae, Freddie Mac and Ginnie Mae, measured using the market approach. The fair values of investment securities represent unadjusted price estimates obtained from third party independent nationally recognized pricing services using pricing models or quoted prices of securities with similar characteristics and are included in Level 2 of the hierarchy. Third party pricing is reviewed on a monthly basis for reasonableness based on the market knowledge and experience of company personnel that interact daily with the markets for these types of securities. Mortgage Loans Held for Sale— The fair value of mortgage loans held for sale is estimated on an aggregate basis using a market approach based on quoted secondary market pricing for loan portfolios with similar characteristics. Loans held for sale are carried at the lower of cost or fair value except, as described above, the Company elects the fair value measurement option for mortgage loans held for sale subject to pending agency contracts to securitize and sell loans. Loans held for sale are included in Level 2 of the hierarchy. At December 31, 2022 and September 30, 2022, there were $12,549 and $9,661, respectively of loans held for sale measured at fair value. At December 31, 2022 and September 30, 2022 there were no loans 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 4. LOANS AND ALLOWANCES FOR CREDIT LOSSES . To calculate the credit loss of collateral-dependent loans, the fair market values of the collateral, estimated using third-party 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 recovery 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 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 December 31, 2022 and September 30, 2022, respectively, this included $76,579 and $76,692 in amortized cost of TDRs with related allowances for loss of $10,120 and $10,284. Real Estate Owned— Real estate owned includes real estate acquired as a result of foreclosure or by deed in lieu of foreclosure and is carried at the lower of the cost basis or fair value, less estimated costs to dispose. The carrying amounts of real estate owned at December 31, 2022 and September 30, 2022 were $1,378 and $1,191, respectively. Fair value is estimated under the market approach using independent third party appraisals. As these properties are actively marketed, estimated fair values may be adjusted by management to reflect current economic and market conditions. At December 31, 2022 and September 30, 2022, these adjustments were not significant to reported fair values. At December 31, 2022 and September 30, 2022, respectively, $1,432 and $1,192 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 estimated fair values less costs to dispose of $186 and $156, respectively. Real estate owned includes $132 and $155 of properties carried at their original or adjusted cost basis at December 31, 2022 and September 30, 2022, 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 STATEMENTS OF CONDITION with changes in value recorded in current earnings. Derivatives qualifying as cash flow hedges are settled daily, bringing the fair value to $0. Refer to Note 13. DERIVATIVE INSTRUMENTS for additional information on cash flow hedges and other derivative instruments. 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 December 31, 2022 and September 30, 2022 are summarized below. Recurring Fair Value Measurements at Reporting Date Using December 31, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 468,538 $ — $ 468,538 $ — Fannie Mae certificates 943 — 943 — U.S. government and agency obligations 3,650 — 3,650 — Total $ 473,131 $ — $ 473,131 $ — Liabilities Derivatives: Interest rate lock commitments $ 29 $ — $ — $ 29 Total $ 29 $ — $ — $ 29 Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) 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 The table below presents a reconciliation of the beginning and ending balances and the location within the CONSOLIDATED STATEMENTS OF INCOME where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3). Three Months Ended December 31, 2022 2021 Beginning balance $ (333) $ 525 (Loss)/Gain during the period due to changes in fair value: Included in other non-interest income 304 (278) Ending balance $ (29) $ 247 Change in unrealized gains for the period included in earnings for assets held at end of the reporting date $ (29) $ 247 Summarized in the tables below are those assets measured at fair value on a nonrecurring basis. Nonrecurring Fair Value Measurements at Reporting Date Using December 31, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Collateral-dependent loans, net of allowance $ 45,457 $ — $ — $ 45,457 Mortgage loans held for sale 12,549 — 12,549 — Real estate owned (1) 1,432 — — 1,432 Total $ 59,438 $ — $ 12,549 $ 46,889 Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) 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. The following provides quantitative information about significant unobservable inputs categorized within Level 3 of the Fair Value Hierarchy. The interest rate lock commitments include both mortgage origination applications and preapprovals. Preapprovals generally have a much lower closure rate than origination applications which is reflected in the aggregate weighted average closure rates shown below. Fair Value December 31, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $45,457 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 28% 4.6% Interest rate lock commitments $(29) Quoted Secondary Market pricing Closure rate 0 - 100% 96.6% 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% 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 . December 31, 2022 Carrying Fair Level 1 Level 2 Level 3 Amount Value Assets: Cash and due from banks $ 31,515 $ 31,515 $ 31,515 $ — $ — Interest earning cash equivalents 412,066 412,066 412,066 — — Investment securities available for sale 473,131 473,131 — 473,131 — Mortgage loans held for sale 12,549 12,549 — 12,549 — Loans, net: Mortgage loans held for investment 14,470,014 13,393,127 — — 13,393,127 Other loans 3,481 3,481 — — 3,481 Federal Home Loan Bank stock 222,415 222,415 N/A — — Accrued interest receivable 45,317 45,317 — 45,317 — Cash collateral received from or held by counterparty 36,202 36,202 36,202 — — Liabilities: Checking and passbook accounts $ 2,846,894 $ 2,846,894 $ — $ 2,846,894 $ — Certificates of deposit 6,167,401 6,063,239 — 6,063,239 — Borrowed funds 4,987,287 4,936,724 — 4,936,724 — Borrowers’ advances for insurance and taxes 109,070 109,070 — 109,070 — Principal, interest and escrow owed on loans serviced 28,500 28,500 — 28,500 — Derivatives 29 29 — — 29 September 30, 2022 Carrying Fair Level 1 Level 2 Level 3 Amount Value 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 insurance and taxes 117,250 117,250 — 117,250 — Principal, interest and escrow owed on loans serviced 29,913 29,913 — 29,913 — Derivatives 333 333 — — 333 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, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using the current market rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining term. For other loans, the fair value is the principal outstanding at the reporting date. 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 the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposit is estimated using discounted cash flows and rates currently offered for deposits of similar remaining maturities. Borrowed Funds— Estimated fair value for borrowed funds is estimated using discounted cash flows and rates currently charged for borrowings of similar remaining maturities. Accrued Interest Receivable, Borrowers’ Advances for Insurance and Taxes, and Principal, Interest and Related Escrow Owed on Loans Serviced— The carrying amount is a reasonable estimate of fair value.

Derivative Instruments

Derivative Instruments	3 Months Ended
	Dec. 31, 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. 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 are recorded in OCI and are subsequently reclassified into earnings during the period in which the hedged forecasted transaction affects earnings. Quarterly, a qualitative analysis is performed to monitor the ongoing effectiveness of the hedging instrument. All derivative positions were initially and continue to be highly effective at December 31, 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 notional values and fair values, and the locations of the fair values within the CONSOLIDATED STATEMENTS OF CONDITION , at the reporting dates, for all derivative instruments. December 31, 2022 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets LIBOR swaps (1) $ 1,475,000 $ — 2.6 1.87 % SOFR swaps (2) 400,000 — 6.6 3.35 % Other Liabilities SOFR swaps (2) 75,000 $ — 4.9 3.82 % Total cash flow hedges: Interest rate swaps $ 1,950,000 $ — 3.5 2.25 % September 30, 2022 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Cash flow hedges: Interest rate swaps Other Assets LIBOR swaps (1) $ 1,550,000 $ — 2.7 1.88 % Total cash flow hedges: Interest rate swaps $ 1,550,000 $ — 2.7 1.88 % (1) LIBOR swap contracts that remain outstanding at July 2023 will transition to a SOFR-based rate. (2) All swap contracts entered into after October 1st, 2022 are based on a SOFR-based rate. December 31, 2022 September 30, 2022 Notional Value Fair Value Notional Value Fair Value Derivatives not designated as hedging instruments Interest rate lock commitments Other Liabilities $ 4,385 $ (29) $ 9,170 $ (333) Forward Commitments for the sale of mortgage loans Other Assets 4,397 — — — Total derivatives not designated as hedging instruments $ 8,782 $ (29) $ 9,170 $ (333) The following tables present the net gains and losses recorded within the CONSOLIDATED STATEMENTS OF INCOME and the CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME relating to derivative instruments. Three Months Ended Location of Gain or (Loss) December 31, Recognized in Income 2022 2021 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 9,104 $ 15,893 Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds 6,624 (10,801) Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ 304 $ (278) Forward commitments for the sale of mortgage loans Net gain/(loss) on the sale of loans — (22) The Company estimates that $50,035 of the amounts reported in AOCI will be reclassified as a reduction to interest expense during the twelve months ending December 31, 2023.

Basis Of Presentation Basis Of

Basis Of Presentation Basis Of Presentation (Policies)	3 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
Business, Policy	TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering and, to a much lesser extent, other financial services. As of December 31, 2022, approximately 81% of the Company’s outstanding shares were owned by the federally chartered mutual holding company, Third Federal Savings and Loan Association of Cleveland, MHC. The thrift subsidiary of TFS Financial Corporation is Third Federal Savings and Loan Association of Cleveland.
Basis of Accounting, Policy	The accounting and financial reporting policies followed by the Company conform in all material respects to U.S. GAAP and to general practices in the financial services industry. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for credit losses, the valuation of deferred tax assets, and the determination of pension obligations are particularly subject to change. The unaudited interim consolidated financial statements reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial condition of the Company at December 31, 2022, and its consolidated results of operations and cash flows for the periods presented. Such adjustments are the only adjustments reflected in the unaudited interim financial statements. In accordance with SEC Regulation S-X for interim financial information, these financial statements do not include certain information and footnote disclosures required for complete audited financial statements. The Company’s Annual Report on Form 10-K for the fiscal year ended September 30, 2022 contains audited consolidated financial statements and related notes, which should be read in conjunction with the accompanying interim consolidated financial statements. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for the fiscal year ending September 30, 2023 or for any other period. Effective October 1, 2020, the Company adopted ASU 2016-13, Financial Instruments — Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended, which replaces the incurred loss methodology with an expected loss methodology referred to as the CECL methodology. Refer to NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES for additional details. Per ASC 606, Revenue from Contracts with Customers, an entity is required 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 not material to the Company's consolidated financial statements and therefore quantitative information regarding these streams is not disclosed .
Loans and Allowance for Credit Losses, Nonaccrual Loan 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.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 in TDRs 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. 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. 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. 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 TDR, payments are greater than 90 days delinquent; • For all classes of loans restructured in a TDR with a high debt-to-income ratio at time of modification; • For all classes of loans, a sheriff sale is scheduled within 60 days to sell the collateral securing the loan; • For all classes of loans, all borrowers have been discharged of their obligation through a Chapter 7 bankruptcy; • For all classes of loans, within 60 days of notification, all borrowers obligated on the loan have filed Chapter 7 bankruptcy and have not reaffirmed or been dismissed; • For all classes of loans, a borrower obligated on a loan has filed bankruptcy and the loan is greater than 30 days delinquent; and • For all classes of loans, it becomes evident that a loss is probable. Collateral-dependent residential mortgage loans and construction loans are charged-off to the extent the 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.
Loans and Allowance for Credit Losses, Impaired Loan, 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.
Loans and Allowance for Credit Losses, Troubled Debt Restructuring, Policy	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.
Loans and 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. The allowance is estimated at each reporting date 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.
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.

Accounting Changes and Error Co

Accounting Changes and Error Corrections (Policies)	3 Months Ended
	Dec. 31, 2022
Accounting Changes and Error Corrections [Abstract]
Recent Accounting Pronouncements, Policy	RECENT ACCOUNTING PRONOUNCEMENTS Adopted during the three months ended December 31, 2022 In December of 2022, the FASB issued ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848. This ASU deferred the period of time entities can utilize the reference rate reform relief guidance from ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effect of Reference Rate Reform on Financial Reporting to December 31, 2024 instead of the original December 31, 2022. This amendment is a result of the expectation that the London Interbank Offered Rate (LIBOR) will cease to be published as of June 30, 2023. The FASB Board decided that this amendment would be effective for all entities upon issuance of ASU 2022-06. This update did not have a material impact on the Company's consolidated financial condition or results of operation. Issued but not yet adopted as of December 31, 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.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Summary Of Earnings Per Share	The following is a summary of the Company's earnings per share calculations. For the Three Months Ended December 31, 2022 2021 Income Shares Per share Income Shares Per share (Dollars in thousands, except per share data) Net income $ 22,193 $ 16,140 Less: income allocated to restricted stock units 389 369 Basic earnings per share: Income available to common shareholders $ 21,804 277,320,904 $ 0.08 $ 15,771 277,225,121 $ 0.06 Diluted earnings per share: Effect of dilutive potential common shares 1,142,033 1,678,252 Income available to common shareholders $ 21,804 278,462,937 $ 0.08 $ 15,771 278,903,373 $ 0.06
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 earnings per share because their inclusion would be anti-dilutive. For the Three Months Ended December 31, 2022 2021 Options to purchase shares 2,043,575 133,800 Restricted and performance stock units 40,000 —

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Dec. 31, 2022
Investments [Abstract]
Schedule of Available-for-sale Securities Reconciliation	Investments available for sale are summarized in the tables below. Accrued interest in the periods presented is $1,249 and $1,122 as of December 31, 2022 and September 30, 2022, respectively, and is reported in accrued interest receivable on the CONSOLIDATED STATEMENTS OF CONDITION . December 31, 2022 Amortized Gross Fair Gains Losses REMICs $ 514,549 $ 26 $ (46,037) $ 468,538 Fannie Mae certificates 934 10 (1) 943 U.S. government and agency obligations 4,053 — (403) 3,650 Total $ 519,536 $ 36 $ (46,441) $ 473,131 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
Debt Securities, Available-for-sale	The following is a summary of our securities portfolio by the period remaining until contractual maturity and yield at December 31, 2022. Maturities are based on the final contractual payment dates, and do not reflect the impact of prepayments or early redemptions that may occur. 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. December 31, 2022 September 30, 2022 Amortized Cost Fair Value Weighted Average Yield Amortized Cost Fair Value Weighted Average Yield Less than one year $ 180 $ 176 1.89 % $ — $ — — % One to five years 13,835 13,139 2.10 % 15,476 14,775 2.06 % Five to ten years 39,090 37,021 2.29 % 38,927 37,204 2.30 % Ten years or greater 466,431 422,795 2.57 % 447,194 405,929 2.25 % Total $ 519,536 $ 473,131 2.53 % $ 501,597 $ 457,908 2.25 %
Available-for-sale Securities [Table Text Block]	Gross unrealized losses on available for sale securities and the estimated fair value of the related securities, aggregated by the length of time the securities have been in a continuous loss position, at December 31, 2022 and September 30, 2022, were as follows: December 31, 2022 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 215,958 $ 10,315 $ 240,933 $ 35,722 $ 456,891 $ 46,037 Fannie Mae certificates 246 1 — — 246 1 U.S. government and agency obligations — — 3,650 403 3,650 403 Total $ 216,204 $ 10,316 $ 244,583 $ 36,125 $ 460,787 $ 46,441 September 30, 2022 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 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

Loans And Allowance For Credi_2

Loans And Allowance For Credit Losses (Tables)	3 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable	Loans held for investment consist of the following: December 31, September 30, Real estate loans: Residential Core $ 11,687,740 $ 11,539,859 Residential Home Today 51,404 53,255 Home equity loans and lines of credit 2,699,513 2,633,878 Construction 113,815 121,759 Real estate loans 14,552,472 14,348,751 Other loans 3,481 3,263 Add (deduct): Deferred loan expenses, net 51,768 50,221 Loans in process (59,749) (72,273) Allowance for credit losses on loans (74,477) (72,895) Loans held for investment, net $ 14,473,495 $ 14,257,067
Schedule Of Recorded Investment Of Loan Receivables That Are Past Due	An aging analysis of the amortized cost in loan receivables that are past due at December 31, 2022 and September 30, 2022 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 60-89 90 Days or Total Past Current Total December 31, 2022 Real estate loans: Residential Core $ 6,856 $ 1,744 $ 7,525 $ 16,125 $ 11,691,893 $ 11,708,018 Residential Home Today 1,253 537 1,179 2,969 47,980 50,949 Home equity loans and lines of credit 3,021 754 2,951 6,726 2,725,715 2,732,441 Construction — — — — 53,083 53,083 Total real estate loans 11,130 3,035 11,655 25,820 14,518,671 14,544,491 Other loans — — — — 3,481 3,481 Total $ 11,130 $ 3,035 $ 11,655 $ 25,820 $ 14,522,152 $ 14,547,972 30-59 60-89 90 Days or 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
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 December 31, 2022 or September 30, 2022. December 31, 2022 September 30, 2022 Non-accrual with No ACL Total Non-accrual with No ACL Total Real estate loans: Residential Core $ 19,587 $ 21,058 $ 20,995 $ 22,644 Residential Home Today 5,345 5,783 5,753 6,037 Home equity loans and lines of credit 6,912 7,289 6,668 6,925 Total non-accrual loans $ 31,844 $ 34,130 $ 33,416 $ 35,606
Schedule Of The Allowance For Loan Losses	Activity in the allowance for credit losses by portfolio segment is summarized as follows. See Note 11. LOAN COMMITMENTS AND CONTINGENT LIABILITIES for further details on the allowance for unfunded commitments. For the Three Months Ended December 31, 2022 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 53,506 $ 792 $ (114) $ 314 $ 54,498 Residential Home Today (997) (506) (173) 691 (985) Home equity loans and lines of credit 20,032 (402) (127) 1,080 20,583 Construction 354 27 — — 381 Total real estate loans $ 72,895 $ (89) $ (414) $ 2,085 $ 74,477 Total Unfunded Loan Commitments (1) $ 27,021 $ (911) $ — $ — $ 26,110 Total Allowance for Credit Losses $ 99,916 $ (1,000) $ (414) $ 2,085 $ 100,587 (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. For the Three Months Ended December 31, 2021 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 44,523 $ (506) $ (26) $ 481 $ 44,472 Residential Home Today 15 (685) (12) 588 (94) Home equity loans and lines of credit 19,454 (1,529) (237) 1,164 18,852 Construction 297 49 — — 346 Total real estate loans $ 64,289 $ (2,671) $ (275) $ 2,233 $ 63,576 Total Unfunded Loan Commitments (1) $ 24,970 $ 671 $ — $ — $ 25,641 Total Allowance for Credit Losses $ 89,259 $ (2,000) $ (275) $ 2,233 $ 89,217 (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 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 as of the dates presented. 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. Home 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 and no construction loans are classified Substandard for either period presented. No construction loans are classified Special Mention at December 31, 2022. Balances are adjusted for deferred loan fees and expenses and any applicable loans-in-process. Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term By fiscal year of origination 2023 2022 2021 2020 2019 Prior Total December 31, 2022 Real estate loans: Residential Core Pass $ 463,396 $ 3,274,958 $ 2,204,396 $ 1,451,445 $ 610,582 $ 3,670,822 $ — $ — $ 11,675,599 Special Mention — — 260 — 108 1,273 — — 1,641 Substandard — 156 563 2,856 1,269 25,934 — — 30,778 Total Residential Core 463,396 3,275,114 2,205,219 1,454,301 611,959 3,698,029 — — 11,708,018 Residential Home Today (1) Pass — — — — — 43,574 — — 43,574 Substandard — — — — — 7,375 — — 7,375 Total Residential Home Today — — — — — 50,949 — — 50,949 Home equity loans and lines of credit Pass 41,476 85,098 28,770 8,704 7,395 17,181 2,448,906 82,118 2,719,648 Special Mention — 253 117 47 — 53 2,294 321 3,085 Substandard — — 73 53 19 142 2,971 6,450 9,708 Total Home equity loans and lines of credit 41,476 85,351 28,960 8,804 7,414 17,376 2,454,171 88,889 2,732,441 Construction Pass 4,608 44,451 4,024 — — — — — 53,083 Total Construction 4,608 44,451 4,024 — — — — — 53,083 Total real estate loans Pass 509,480 3,404,507 2,237,190 1,460,149 617,977 3,731,577 2,448,906 82,118 14,491,904 Special Mention — 253 377 47 108 1,326 2,294 321 4,726 Substandard — 156 636 2,909 1,288 33,451 2,971 6,450 47,861 Total real estate loans $ 509,480 $ 3,404,916 $ 2,238,203 $ 1,463,105 $ 619,373 $ 3,766,354 $ 2,454,171 $ 88,889 $ 14,544,491 (1) No new originations of Home Today loans since fiscal 2016. Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term By fiscal year of origination 2022 2021 2020 2019 2018 Prior 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 Construction Pass 37,810 10,668 — — — — — — 48,478 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.
Schedule Of Troubled Debt Restructured Loans	The amortized cost in TDRs by category as of December 31, 2022 and September 30, 2022 is shown in the tables below. December 31, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 30,157 $ 17,385 $ 10,873 $ 58,415 Residential Home Today 10,060 11,177 1,884 23,121 Home equity loans and lines of credit 22,490 2,676 1,162 26,328 Total $ 62,707 $ 31,238 $ 13,919 $ 107,864 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 The following tables set forth the amortized cost in TDRs restructured during the periods presented. For the Three Months Ended December 31, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 1,447 $ 498 $ 364 $ 2,309 Residential Home Today — 197 — 197 Home equity loans and lines of credit 335 — — 335 Total $ 1,782 $ 695 $ 364 $ 2,841 For the Three Months Ended December 31, 2021 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 904 $ 181 $ 394 $ 1,479 Residential Home Today 133 219 11 363 Home equity loans and lines of credit 22 32 45 99 Total $ 1,059 $ 432 $ 450 $ 1,941 The tables below summarize 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 Three Months Ended December 31, 2022 2021 TDRs That Subsequently Defaulted Number of Amortized Cost Number of Amortized Cost Residential Core 5 $ 676 5 $ 810 Residential Home Today 3 74 10 310 Home equity loans and lines of credit — — 1 149 Total 8 $ 750 16 $ 1,269

Deposits (Tables)

Deposits (Tables)	3 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Summary Of Deposit Account Balances	Deposit account balances are summarized as follows: December 31, September 30, Checking accounts $ 1,181,361 $ 1,210,035 Savings accounts, excluding money market accounts 1,302,131 1,364,821 Money market accounts 363,402 481,650 Certificates of deposit 6,164,106 5,862,274 9,011,000 8,918,780 Accrued interest 3,295 2,237 Total deposits $ 9,014,295 $ 8,921,017

Borrowed Funds (Tables)

Borrowed Funds (Tables)	3 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Total Borrowings	Total borrowings at December 31, 2022 are summarized in the table below: Borrowing Capacity Borrowings Available Borrowings Outstanding FHLB $ 8,610,263 $ 3,784,668 $ 4,825,595 FRB Cleveland 156,301 156,301 — Fed Funds Purchased 630,000 480,000 150,000 Subtotal $ 9,396,564 $ 4,420,969 4,975,595 Accrued Interest 11,692 Total Borrowings $ 4,987,287
Maturities Of Borrowings	Maturities of borrowings at December 31, 2022 are summarized in the table below. Amount Weighted Maturing in: 12 months or less $ 1,690,000 4.00 % 13 to 24 months 850,000 1.66 % 25 to 36 months 750,000 2.05 % 37 to 48 months 550,737 2.25 % 49 to 60 months 727,675 3.23 % Over 60 months 407,183 3.27 % Total Advances $ 4,975,595 2.94 % Accrued interest 11,692 Total $ 4,987,287

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Dec. 31, 2022
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The change in accumulated other comprehensive income (loss) by component is as follows: For the Three Months Ended For the Three Months Ended December 31, 2022 December 31, 2021 Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Balance at beginning of period $ (33,899) $ 68,883 $ (11,835) $ 23,149 $ 961 $ (58,210) $ (10,552) $ (67,801) Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $1,574 and $2,730 (1,961) 6,775 — 4,814 (3,083) 12,270 — 9,187 Amounts reclassified, net of tax expense (benefit) of $(1,427) and $2,450 — (5,139) 197 (4,942) — 8,379 96 8,475 Other comprehensive income (loss) (1,961) 1,636 197 (128) (3,083) 20,649 96 17,662 Balance at end of period $ (35,860) $ 70,519 $ (11,638) $ 23,021 $ (2,122) $ (37,561) $ (10,456) $ (50,139)
Reclassification Out Of Accumulated Other Comprehensive Income (Loss) Included In Net Income	The following table presents the reclassification adjustment out of accumulated other comprehensive income (loss) included in net income and the corresponding line item on the CONSOLIDATED STATEMENTS OF INCOME for the periods indicated: Amounts Reclassified from Accumulated Details about Accumulated Other Comprehensive Income Components For the Three Months Ended December 31, Line Item in the Consolidated Statements of Income 2022 2021 Cash flow hedges: Interest expense $ (6,624) $ 10,801 Interest expense Net income tax effect 1,485 (2,422) Income tax expense Net of income tax expense (5,139) 8,379 Amortization of defined benefit plan: Actuarial loss 255 124 (a) Net income tax effect (58) (28) Income tax expense Net of income tax expense 197 96 Total reclassifications for the period $ (4,942) $ 8,475 (a) This item is included in the computation of net periodic pension cost. See Note 9. DEFINED BENEFIT PLAN for additional disclosure.

Defined Benefit Plan (Tables)

Defined Benefit Plan (Tables)	3 Months Ended
	Dec. 31, 2022
Retirement Benefits [Abstract]
Components Of Net Periodic Benefit Cost Recognized	The components of net periodic cost recognized in other non-interest expense in the CONSOLIDATED STATEMENTS OF INCOME are as follows: Three Months Ended December 31, 2022 2021 Interest cost $ 831 $ 611 Expected return on plan assets (968) (1,301) Amortization of net loss 255 124 Net periodic (benefit) cost $ 118 $ (566)

Equity Incentive Plan Equity In

Equity Incentive Plan Equity Incentive Plan (Tables)	3 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Share-based Payment Arrangement, Cost by Plan [Table Text Block]	The following table presents share-based compensation expense recognized during the periods presented. There was no stock option expense for either period presented. Three Months Ended December 31, 2022 2021 Restricted stock units expense 941 898 Performance share units expense 210 128 Total stock-based compensation expense $ 1,151 $ 1,026

Commitments And Contingent Li_2

Commitments And Contingent Liabilities (Tables)	3 Months Ended
	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Schedule Of Commitments To Originate And Unfunded Commitments	At December 31, 2022, the Company had commitments to originate loans and related allowances as follows: Commitment Allowance Fixed-rate mortgage loans $ 107,867 $ 436 Adjustable-rate mortgage loans 100,271 416 Home equity loans and lines of credit 122,805 1,626 Total $ 330,943 $ 2,478 At December 31, 2022, the Company had unfunded commitments outstanding and related allowances as follows: Commitment Allowance Home equity lines of credit $ 4,228,265 $ 23,147 Construction loans 59,749 485 Total $ 4,288,014 $ 23,632

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Dec. 31, 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 December 31, 2022 and September 30, 2022 are summarized below. Recurring Fair Value Measurements at Reporting Date Using December 31, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 468,538 $ — $ 468,538 $ — Fannie Mae certificates 943 — 943 — U.S. government and agency obligations 3,650 — 3,650 — Total $ 473,131 $ — $ 473,131 $ — Liabilities Derivatives: Interest rate lock commitments $ 29 $ — $ — $ 29 Total $ 29 $ — $ — $ 29 Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) 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
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation of the beginning and ending balances and the location within the CONSOLIDATED STATEMENTS OF INCOME where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3). Three Months Ended December 31, 2022 2021 Beginning balance $ (333) $ 525 (Loss)/Gain during the period due to changes in fair value: Included in other non-interest income 304 (278) Ending balance $ (29) $ 247 Change in unrealized gains for the period included in earnings for assets held at end of the reporting date $ (29) $ 247
Assets Measured At Fair Value On A Nonrecurring Basis	Summarized in the tables below are those assets measured at fair value on a nonrecurring basis. Nonrecurring Fair Value Measurements at Reporting Date Using December 31, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Collateral-dependent loans, net of allowance $ 45,457 $ — $ — $ 45,457 Mortgage loans held for sale 12,549 — 12,549 — Real estate owned (1) 1,432 — — 1,432 Total $ 59,438 $ — $ 12,549 $ 46,889 Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) 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.
Fair Value Inputs, Assets, Quantitative Information	The following provides quantitative information about significant unobservable inputs categorized within Level 3 of the Fair Value Hierarchy. The interest rate lock commitments include both mortgage origination applications and preapprovals. Preapprovals generally have a much lower closure rate than origination applications which is reflected in the aggregate weighted average closure rates shown below. Fair Value December 31, 2022 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $45,457 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 28% 4.6% Interest rate lock commitments $(29) Quoted Secondary Market pricing Closure rate 0 - 100% 96.6% 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%
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 . December 31, 2022 Carrying Fair Level 1 Level 2 Level 3 Amount Value Assets: Cash and due from banks $ 31,515 $ 31,515 $ 31,515 $ — $ — Interest earning cash equivalents 412,066 412,066 412,066 — — Investment securities available for sale 473,131 473,131 — 473,131 — Mortgage loans held for sale 12,549 12,549 — 12,549 — Loans, net: Mortgage loans held for investment 14,470,014 13,393,127 — — 13,393,127 Other loans 3,481 3,481 — — 3,481 Federal Home Loan Bank stock 222,415 222,415 N/A — — Accrued interest receivable 45,317 45,317 — 45,317 — Cash collateral received from or held by counterparty 36,202 36,202 36,202 — — Liabilities: Checking and passbook accounts $ 2,846,894 $ 2,846,894 $ — $ 2,846,894 $ — Certificates of deposit 6,167,401 6,063,239 — 6,063,239 — Borrowed funds 4,987,287 4,936,724 — 4,936,724 — Borrowers’ advances for insurance and taxes 109,070 109,070 — 109,070 — Principal, interest and escrow owed on loans serviced 28,500 28,500 — 28,500 — Derivatives 29 29 — — 29 September 30, 2022 Carrying Fair Level 1 Level 2 Level 3 Amount Value 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 insurance and taxes 117,250 117,250 — 117,250 — Principal, interest and escrow owed on loans serviced 29,913 29,913 — 29,913 — Derivatives 333 333 — — 333

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Dec. 31, 2022
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	The following tables provide the notional values and fair values, and the locations of the fair values within the CONSOLIDATED STATEMENTS OF CONDITION , at the reporting dates, for all derivative instruments. December 31, 2022 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets LIBOR swaps (1) $ 1,475,000 $ — 2.6 1.87 % SOFR swaps (2) 400,000 — 6.6 3.35 % Other Liabilities SOFR swaps (2) 75,000 $ — 4.9 3.82 % Total cash flow hedges: Interest rate swaps $ 1,950,000 $ — 3.5 2.25 % September 30, 2022 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Cash flow hedges: Interest rate swaps Other Assets LIBOR swaps (1) $ 1,550,000 $ — 2.7 1.88 % Total cash flow hedges: Interest rate swaps $ 1,550,000 $ — 2.7 1.88 % (1) LIBOR swap contracts that remain outstanding at July 2023 will transition to a SOFR-based rate. (2) All swap contracts entered into after October 1st, 2022 are based on a SOFR-based rate. December 31, 2022 September 30, 2022 Notional Value Fair Value Notional Value Fair Value Derivatives not designated as hedging instruments Interest rate lock commitments Other Liabilities $ 4,385 $ (29) $ 9,170 $ (333) Forward Commitments for the sale of mortgage loans Other Assets 4,397 — — — Total derivatives not designated as hedging instruments $ 8,782 $ (29) $ 9,170 $ (333)
Schedule of Effect of Derivative Instruments, Gain (Loss) in Statement of Financial Performance	The following tables present the net gains and losses recorded within the CONSOLIDATED STATEMENTS OF INCOME and the CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME relating to derivative instruments. Three Months Ended Location of Gain or (Loss) December 31, Recognized in Income 2022 2021 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 9,104 $ 15,893 Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds 6,624 (10,801) Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ 304 $ (278) Forward commitments for the sale of mortgage loans Net gain/(loss) on the sale of loans — (22)

Basis Of Presentation (Details)

Basis Of Presentation (Details)	Dec. 31, 2022
Third Federal Savings, MHC | Common Stock
Mutual Holding Company, Percentage Of Ownership In Registrant	81%

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - shares	Dec. 31, 2022	Dec. 31, 2021
Earnings Per Share [Abstract]
Shares Held By Parent Holding Company	227,119,132
Employee Stock Ownership Plan (ESOP), neither allocated nor committed to be released to participants (in shares)	3,033,376	3,466,716

Earnings Per Share (Summary Of

Earnings Per Share (Summary Of Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Earnings Per Share [Abstract]
Net income	$ 22,193	$ 16,140
Dilutive Securities, Effect on Basic Earnings Per Share	389	369
Net Income (Loss) Available to Common Stockholders, Diluted, Total	$ 21,804	$ 15,771
Income available to common shareholders, Shares	277,320,904	277,225,121
Income available to common shareholders, per share amount, basic	$ 0.08	$ 0.06
Effect of dilutive potential common shares	1,142,033	1,678,252
Income available to common shareholders, Shares	278,462,937	278,903,373
Income available to common shareholders, per share amount, diluted	$ 0.08	$ 0.06

Earnings Per Share (Schedule of

Earnings Per Share (Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share) (Details) - shares	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
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)	2,043,575	133,800
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)	40,000	0

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Schedule of Available For Sale Securities [Line Items]
Accrued interest receivable	$ 45,317	$ 40,256
Securities Investment
Schedule of Available For Sale Securities [Line Items]
Accrued interest receivable	1,249	$ 1,122
Securities
Schedule of Available For Sale Securities [Line Items]
Allowance for credit losses on securities	$ 0

Investment Securities (Investme

Investment Securities (Investments Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Schedule of Available For Sale Securities [Line Items]
Investment securities available-for-sale, amortized cost	$ 519,536	$ 501,597
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	36	15
Investments securities available-for-sale, gross unrealized losses	(46,441)	(43,704)
Investments securities available-for-sale	473,131	457,908
REMIC's
Schedule of Available For Sale Securities [Line Items]
Investment securities available-for-sale, amortized cost	514,549	496,529
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	26	1
Investments securities available-for-sale, gross unrealized losses	(46,037)	(43,262)
Investments securities available-for-sale	468,538	453,268
Fannie Mae Certificates
Schedule of Available For Sale Securities [Line Items]
Investment securities available-for-sale, amortized cost	934	1,011
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	10	14
Investments securities available-for-sale, gross unrealized losses	(1)	(4)
Investments securities available-for-sale	943	1,021
U.S. government and agency obligations
Schedule of Available For Sale Securities [Line Items]
Investment securities available-for-sale, amortized cost	4,053	4,057
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	0	0
Investments securities available-for-sale, gross unrealized losses	(403)	(438)
Investments securities available-for-sale	$ 3,650	$ 3,619

Investment Securities Maturitie

Investment Securities Maturities And Yield (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Schedule of Available For Sale Securities [Line Items]
U.S. government obligations, amortized cost, maturity, due after year one through five	$ 13,835	$ 15,476
U.S. government obligations, fair value, maturity, due after year one through five	$ 13,139	$ 14,775
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year One Through Five	2.10%	2.06%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$ 39,090	$ 38,927
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$ 37,021	$ 37,204
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 5 Through 10	2.29%	2.30%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	$ 466,431	$ 447,194
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	$ 422,795	$ 405,929
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 10	2.57%	2.25%
Investment securities available for sale, amortized cost	$ 519,536	$ 501,597
Investments securities available-for-sale	$ 473,131	$ 457,908
Debt Securities, Available-for-Sale, Weighted Average Yield	2.53%	2.25%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$ 180	$ 0
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	$ 176	$ 0
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, Year One	1.89%	0%

Investment Securities (Invest_2

Investment Securities (Investment Securities Held at a Continuous Loss) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Schedule of Available For Sale Securities [Line Items]
Investments securities available-for-sale, continuous unrealized loss position, less than 12 Months	$ 216,204	$ 265,631
Investments securities available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	10,316	17,702
Investments securities available-for-sale, continuous unrealized loss position, 12 months or longer	244,583	190,739
Investments securities available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	36,125	26,002
Investments securities available-for-sale, continuous unrealized loss position	460,787	456,370
Investments securities available-for-sale, continuous unrealized loss position, accumulated loss	46,441	43,704
REMIC's
Schedule of Available For Sale Securities [Line Items]
Investments securities available-for-sale, continuous unrealized loss position, less than 12 Months	215,958	261,795
Investments securities available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	10,315	17,260
Investments securities available-for-sale, continuous unrealized loss position, 12 months or longer	240,933	190,739
Investments securities available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	35,722	26,002
Investments securities available-for-sale, continuous unrealized loss position	456,891	452,534
Investments securities available-for-sale, continuous unrealized loss position, accumulated loss	46,037	43,262
Fannie Mae Certificates
Schedule of Available For Sale Securities [Line Items]
Investments securities available-for-sale, continuous unrealized loss position, less than 12 Months	246	217
Investments securities available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	1	4
Investments securities available-for-sale, continuous unrealized loss position, 12 months or longer	0	0
Investments securities available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	0	0
Investments securities available-for-sale, continuous unrealized loss position	246	217
Investments securities available-for-sale, continuous unrealized loss position, accumulated loss	1	4
U.S. government and agency obligations
Schedule of Available For Sale Securities [Line Items]
Investments securities available-for-sale, continuous unrealized loss position, less than 12 Months	0	3,619
Investments securities available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	0	438
Investments securities available-for-sale, continuous unrealized loss position, 12 months or longer	3,650	0
Investments securities available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	403	0
Investments securities available-for-sale, continuous unrealized loss position	3,650	3,619
Investments securities available-for-sale, continuous unrealized loss position, accumulated loss	$ 403	$ 438

Loans And Allowance For Credi_3

Loans And Allowance For Credit Losses (Loans Held For Investment) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Loan Portfolio [Line Items]
Deferred loan expenses, net	$ 51,768		$ 50,221
Loans in process (LIP)	(59,749)		(72,273)
Allowance for credit losses on loans	(74,477)		(72,895)
Loans, net	14,473,495		14,257,067
Loan Sales In Quarter
Loan Portfolio [Line Items]
Principal balance of loans sold	19,182	$ 102,006
Other Loans
Loan Portfolio [Line Items]
Loans, gross	3,481		3,263
Real Estate Loans
Loan Portfolio [Line Items]
Loans, gross	14,552,472		14,348,751
Real Estate Loans | Residential Core
Loan Portfolio [Line Items]
Loans, gross	11,687,740		11,539,859
Real Estate Loans | Residential Home Today
Loan Portfolio [Line Items]
Loans, gross	51,404		53,255
Real Estate Loans | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Loans, gross	2,699,513		2,633,878
Real Estate Loans | Construction
Loan Portfolio [Line Items]
Loans, gross	$ 113,815		$ 121,759

Loans And Allowance For Credi_4

Loans And Allowance For Credit Losses (Narrative) (Details) - USD ($) $ in Thousands		3 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Loan Portfolio [Line Items]
Accrued interest receivable		$ 45,317		$ 40,256
Loans classified as mortgage loans held for sale		12,549		9,661
Total		14,547,972		14,329,962
Transfer of Loans Held-for-sale to Portfolio Loans		0
Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans		14,552,472		14,348,751
Total		14,544,491		14,326,699
Loans in process of foreclosure		8,768		9,833
Special Mention | Real Estate Loans
Loan Portfolio [Line Items]
Total		4,726		3,409
Loans
Loan Portfolio [Line Items]
Accrued interest receivable		44,068		39,124
Loan Sales In Quarter
Loan Portfolio [Line Items]
Principal balance of loans sold		19,182	$ 102,006
Loan Sales In Contracts Pending Settlement
Loan Portfolio [Line Items]
Principal balance of loans sold			$ 32,968
Construction | Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans		113,815		121,759
Total		53,083		48,478
Construction | Special Mention | Real Estate Loans
Loan Portfolio [Line Items]
Total		$ 0
Construction/Permanent Loans | LTV 85 Percent | Maximum
Loan Portfolio [Line Items]
Loan To Completed Appraised Value, Percentage		85%
Home Equity Loans And Lines Of Credit | Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans		$ 2,699,513		2,633,878
Total		$ 2,732,441		$ 2,666,132
Home Equity Loans And Lines Of Credit | Florida
Loan Portfolio [Line Items]
Residential real estate loans held, percent		21%		20%
Home Equity Loans And Lines Of Credit | Ohio
Loan Portfolio [Line Items]
Residential real estate loans held, percent		26%		27%
Home Equity Loans And Lines Of Credit | California
Loan Portfolio [Line Items]
Residential real estate loans held, percent		17%		16%
Home Equity Loans And Lines Of Credit | Special Mention | Real Estate Loans
Loan Portfolio [Line Items]
Total		$ 3,085		$ 1,729
Residential Core | Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans		11,687,740		11,539,859
Total		11,708,018		11,559,281
Residential Core | Special Mention | Real Estate Loans
Loan Portfolio [Line Items]
Total		1,641		1,680
Residential Core | Adjustable Rate Residential Mortgage
Loan Portfolio [Line Items]
Real estate loans		4,703,176		$ 4,668,089
Home Today loans Originated After September 2016
Loan Portfolio [Line Items]
Real estate loans		$ 0
Residential Core, Home Today and Construction | Florida
Loan Portfolio [Line Items]
Residential real estate loans held, percent		18%		18%
Residential Core, Home Today and Construction | Ohio
Loan Portfolio [Line Items]
Residential real estate loans held, percent		57%		56%
Residential Home Today | Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans		$ 51,404		$ 53,255
Total	[1]	50,949		52,808
Residential Home Today | Special Mention | Real Estate Loans
Loan Portfolio [Line Items]
Total		$ 0		$ 0
[1]No new originations of Home Today loans since fiscal 2016.

Loans And Allowance For Credi_5

Loans And Allowance For Credit Losses (Schedule Of Recorded Investment In Loan Receivables That Are Past Due) (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Sep. 30, 2022
Financing Receivable, Past Due [Line Items]
Total		$ 14,547,972	$ 14,329,962
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		11,130	5,665
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		3,035	3,057
Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		11,655	12,463
Past Due
Financing Receivable, Past Due [Line Items]
Total		25,820	21,185
Current
Financing Receivable, Past Due [Line Items]
Total		14,522,152	14,308,777
Other Loans
Financing Receivable, Past Due [Line Items]
Total		3,481	3,263
Other Loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Other Loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Other Loans | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Other Loans | Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Other Loans | Current
Financing Receivable, Past Due [Line Items]
Total		3,481	3,263
Real Estate Loans
Financing Receivable, Past Due [Line Items]
Total		14,544,491	14,326,699
Real Estate Loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		11,130	5,665
Real Estate Loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		3,035	3,057
Real Estate Loans | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		11,655	12,463
Real Estate Loans | Past Due
Financing Receivable, Past Due [Line Items]
Total		25,820	21,185
Real Estate Loans | Current
Financing Receivable, Past Due [Line Items]
Total		14,518,671	14,305,514
Real Estate Loans | Residential Core
Financing Receivable, Past Due [Line Items]
Total		11,708,018	11,559,281
Real Estate Loans | Residential Core | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		6,856	2,725
Real Estate Loans | Residential Core | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		1,744	1,491
Real Estate Loans | Residential Core | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		7,525	9,281
Real Estate Loans | Residential Core | Past Due
Financing Receivable, Past Due [Line Items]
Total		16,125	13,497
Real Estate Loans | Residential Core | Current
Financing Receivable, Past Due [Line Items]
Total		11,691,893	11,545,784
Real Estate Loans | Residential Home Today
Financing Receivable, Past Due [Line Items]
Total	[1]	50,949	52,808
Real Estate Loans | Residential Home Today | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		1,253	1,341
Real Estate Loans | Residential Home Today | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		537	770
Real Estate Loans | Residential Home Today | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		1,179	861
Real Estate Loans | Residential Home Today | Past Due
Financing Receivable, Past Due [Line Items]
Total		2,969	2,972
Real Estate Loans | Residential Home Today | Current
Financing Receivable, Past Due [Line Items]
Total		47,980	49,836
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Total		2,732,441	2,666,132
Real Estate Loans | Home Equity Loans And Lines Of Credit | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		3,021	1,599
Real Estate Loans | Home Equity Loans And Lines Of Credit | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		754	796
Real Estate Loans | Home Equity Loans And Lines Of Credit | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		2,951	2,321
Real Estate Loans | Home Equity Loans And Lines Of Credit | Past Due
Financing Receivable, Past Due [Line Items]
Total		6,726	4,716
Real Estate Loans | Home Equity Loans And Lines Of Credit | Current
Financing Receivable, Past Due [Line Items]
Total		2,725,715	2,661,416
Real Estate Loans | Construction
Financing Receivable, Past Due [Line Items]
Total		53,083	48,478
Real Estate Loans | Construction | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Real Estate Loans | Construction | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Real Estate Loans | Construction | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Real Estate Loans | Construction | Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Real Estate Loans | Construction | Current
Financing Receivable, Past Due [Line Items]
Total		$ 53,083	$ 48,478
[1]No new originations of Home Today loans since fiscal 2016.

Loans And Allowance For Credi_6

Loans And Allowance For Credit Losses (Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Interest income on impaired loans, cash basis method	$ 162	$ 186
Performing
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	22,484		$ 23,159
Performing Chapter 7 Bankruptcy
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	12,752		13,526
Real Estate Loans
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Loans 90 days or more past due and still accruing	0		0
Non-accrual with No ACL	31,844		33,416
Total non-accrual loans	34,130		35,606
Loans in process of foreclosure	8,768		9,833
Real Estate Loans | Residential Core
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Non-accrual with No ACL	19,587		20,995
Total non-accrual loans	21,058		22,644
Real Estate Loans | Residential Home Today
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Non-accrual with No ACL	5,345		5,753
Total non-accrual loans	5,783		6,037
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Non-accrual with No ACL	6,912		6,668
Total non-accrual loans	$ 7,289		$ 6,925

Loans And Allowance For Credi_7

Loans And Allowance For Credit Losses (Allowance For Credit Losses And Classified Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Residential loans, partial or full charge-off, number of days past due	180 days
Home equity lines of credit equity loans and residential loans modified in a troubled debt restructuring charge-offs, days past due	90 days
All classes of loans partial or full charge-off, sheriff sale scheduled within number of days	60 days
All classes of loans, all borrowers filed Chapter 7 Bankruptcy, recognized partial or full charge-off, days since notification	60 days
All classes of loans borrower filed bankruptcy, recognized partial or full charge-off, days past due	30 days
Net reduction in ACL due to quantitative adjustment	$ 7,796
Home equity lines of credit that converted from revolving loans to term loans.	$ 396	$ 40
Collateral-Dependent loans, Days Past Due Minimum	30 days
Troubled Debt Restructuring | Present Value of Cash Flows
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated	$ 10,120		$ 10,284
Troubled Debt Restructuring | Performing | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
Impaired Financing Receivable, Recorded Investment	75,445		75,904
Other Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans	3,481		3,263
Other Loans | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans	0		0
Real Estate Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans	14,552,472		14,348,751
Real Estate Loans | Residential Non Home Today
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans	11,687,740		11,539,859
Real Estate Loans | Residential Home Today
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans	51,404		53,255
Real Estate Loans | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans	$ 113,815		$ 121,759

Loans And Allowance For Credi_8

Loans And Allowance For Credit Losses (Schedule Of Activity In The Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 99,916	$ 89,259
Provision	(1,000)	(2,000)
Charge-offs	(414)	(275)
Recoveries	2,085	2,233
Ending Balance	100,587	89,217
Unfunded Loan Commitment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	27,021	24,970	[1]
Provision	(911)	671	[1]
Charge-offs	0	0	[1]
Recoveries	0	0	[1]
Ending Balance	26,110	25,641	[1]
Real Estate Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	72,895	64,289
Provision	(89)	(2,671)
Charge-offs	(414)	(275)
Recoveries	2,085	2,233
Ending Balance	74,477	63,576
Real Estate Loans | Residential Core
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	53,506	44,523
Provision	792	(506)
Charge-offs	(114)	(26)
Recoveries	314	481
Ending Balance	54,498	44,472
Real Estate Loans | Residential Home Today
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	(997)	15
Provision	(506)	(685)
Charge-offs	(173)	(12)
Recoveries	691	588
Ending Balance	(985)	(94)
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	20,032	19,454
Provision	(402)	(1,529)
Charge-offs	(127)	(237)
Recoveries	1,080	1,164
Ending Balance	20,583	18,852
Real Estate Loans | Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	354	297
Provision	27	49
Charge-offs	0	0
Recoveries	0	0
Ending Balance	$ 381	$ 346
[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

Loans And Allowance For Credi_9

Loans And Allowance For Credit Losses (Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade) (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Sep. 30, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Total		$ 14,547,972	$ 14,329,962
Total		14,547,972	14,329,962
Real Estate Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		509,480	3,485,914
Originated fiscal year before current fiscal year		3,404,916	2,294,035
Originated two years before current fiscal year		2,238,203	1,501,209
Originated three years before current fiscal year		1,463,105	638,396
Originated four years before current fiscal year		619,373	674,447
Originated five years before current fiscal year		3,766,354	3,231,947
Revolving loans, amortized cost basis		2,454,171	2,403,989
Revolving loans converted to term		88,889	96,762
Total		14,544,491	14,326,699
Total		14,544,491	14,326,699
Real Estate Loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		509,480	3,485,914
Originated fiscal year before current fiscal year		3,404,507	2,292,357
Originated two years before current fiscal year		2,237,190	1,497,967
Originated three years before current fiscal year		1,460,149	637,126
Originated four years before current fiscal year		617,977	672,081
Originated five years before current fiscal year		3,731,577	3,198,562
Revolving loans, amortized cost basis		2,448,906	2,400,095
Revolving loans converted to term		82,118	89,448
Total		14,491,904	14,273,550
Total		14,491,904	14,273,550
Real Estate Loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		0	0
Originated fiscal year before current fiscal year		253	483
Originated two years before current fiscal year		377	0
Originated three years before current fiscal year		47	108
Originated four years before current fiscal year		108	464
Originated five years before current fiscal year		1,326	816
Revolving loans, amortized cost basis		2,294	898
Revolving loans converted to term		321	640
Total		4,726	3,409
Total		4,726	3,409
Real Estate Loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		0	0
Originated fiscal year before current fiscal year		156	1,195
Originated two years before current fiscal year		636	3,242
Originated three years before current fiscal year		2,909	1,162
Originated four years before current fiscal year		1,288	1,902
Originated five years before current fiscal year		33,451	32,569
Revolving loans, amortized cost basis		2,971	2,996
Revolving loans converted to term		6,450	6,674
Total		47,861	49,740
Total		47,861	49,740
Real Estate Loans | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		463,396	3,349,200
Originated fiscal year before current fiscal year		3,275,114	2,252,562
Originated two years before current fiscal year		2,205,219	1,491,951
Originated three years before current fiscal year		1,454,301	630,340
Originated four years before current fiscal year		611,959	667,463
Originated five years before current fiscal year		3,698,029	3,167,765
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		11,708,018	11,559,281
Total		11,708,018	11,559,281
Real Estate Loans | Residential Core | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		463,396	3,349,200
Originated fiscal year before current fiscal year		3,274,958	2,251,075
Originated two years before current fiscal year		2,204,396	1,488,763
Originated three years before current fiscal year		1,451,445	629,090
Originated four years before current fiscal year		610,582	665,116
Originated five years before current fiscal year		3,670,822	3,141,907
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		11,675,599	11,525,151
Total		11,675,599	11,525,151
Real Estate Loans | Residential Core | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		0	0
Originated fiscal year before current fiscal year		0	292
Originated two years before current fiscal year		260	0
Originated three years before current fiscal year		0	108
Originated four years before current fiscal year		108	464
Originated five years before current fiscal year		1,273	816
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		1,641	1,680
Total		1,641	1,680
Real Estate Loans | Residential Core | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		0	0
Originated fiscal year before current fiscal year		156	1,195
Originated two years before current fiscal year		563	3,188
Originated three years before current fiscal year		2,856	1,142
Originated four years before current fiscal year		1,269	1,883
Originated five years before current fiscal year		25,934	25,042
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		30,778	32,450
Total		30,778	32,450
Real Estate Loans | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	[1]	0	0
Originated fiscal year before current fiscal year	[1]	0	0
Originated two years before current fiscal year	[1]	0	0
Originated three years before current fiscal year	[1]	0	0
Originated four years before current fiscal year	[1]	0	0
Originated five years before current fiscal year	[1]	50,949	52,808
Revolving loans, amortized cost basis	[1]	0	0
Revolving loans converted to term	[1]	0	0
Total	[1]	50,949	52,808
Total	[1]	50,949	52,808
Real Estate Loans | Residential Home Today | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	[1]	0	0
Originated fiscal year before current fiscal year	[1]	0	0
Originated two years before current fiscal year	[1]	0	0
Originated three years before current fiscal year	[1]	0	0
Originated four years before current fiscal year	[1]	0	0
Originated five years before current fiscal year	[1]	43,574	45,408
Revolving loans, amortized cost basis	[1]	0	0
Revolving loans converted to term	[1]	0	0
Total	[1]	43,574	45,408
Total	[1]	43,574	45,408
Real Estate Loans | Residential Home Today | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total		0	0
Total		0	0
Real Estate Loans | Residential Home Today | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	[1]	0	0
Originated fiscal year before current fiscal year	[1]	0	0
Originated two years before current fiscal year	[1]	0	0
Originated three years before current fiscal year	[1]	0	0
Originated four years before current fiscal year	[1]	0	0
Originated five years before current fiscal year	[1]	7,375	7,400
Revolving loans, amortized cost basis	[1]	0	0
Revolving loans converted to term	[1]	0	0
Total	[1]	7,375	7,400
Total	[1]	7,375	7,400
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		41,476	98,904
Originated fiscal year before current fiscal year		85,351	30,805
Originated two years before current fiscal year		28,960	9,258
Originated three years before current fiscal year		8,804	8,056
Originated four years before current fiscal year		7,414	6,984
Originated five years before current fiscal year		17,376	11,374
Revolving loans, amortized cost basis		2,454,171	2,403,989
Revolving loans converted to term		88,889	96,762
Total		2,732,441	2,666,132
Total		2,732,441	2,666,132
Real Estate Loans | Home Equity Loans And Lines Of Credit | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		41,476	98,904
Originated fiscal year before current fiscal year		85,098	30,614
Originated two years before current fiscal year		28,770	9,204
Originated three years before current fiscal year		8,704	8,036
Originated four years before current fiscal year		7,395	6,965
Originated five years before current fiscal year		17,181	11,247
Revolving loans, amortized cost basis		2,448,906	2,400,095
Revolving loans converted to term		82,118	89,448
Total		2,719,648	2,654,513
Total		2,719,648	2,654,513
Real Estate Loans | Home Equity Loans And Lines Of Credit | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		0	0
Originated fiscal year before current fiscal year		253	191
Originated two years before current fiscal year		117	0
Originated three years before current fiscal year		47	0
Originated four years before current fiscal year		0	0
Originated five years before current fiscal year		53	0
Revolving loans, amortized cost basis		2,294	898
Revolving loans converted to term		321	640
Total		3,085	1,729
Total		3,085	1,729
Real Estate Loans | Home Equity Loans And Lines Of Credit | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		0	0
Originated fiscal year before current fiscal year		0	0
Originated two years before current fiscal year		73	54
Originated three years before current fiscal year		53	20
Originated four years before current fiscal year		19	19
Originated five years before current fiscal year		142	127
Revolving loans, amortized cost basis		2,971	2,996
Revolving loans converted to term		6,450	6,674
Total		9,708	9,890
Total		9,708	9,890
Real Estate Loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		4,608	37,810
Originated fiscal year before current fiscal year		44,451	10,668
Originated two years before current fiscal year		4,024	0
Originated three years before current fiscal year		0	0
Originated four years before current fiscal year		0	0
Originated five years before current fiscal year		0	0
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		53,083	48,478
Total		53,083	48,478
Real Estate Loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		4,608	37,810
Originated fiscal year before current fiscal year		44,451	10,668
Originated two years before current fiscal year		4,024	0
Originated three years before current fiscal year		0	0
Originated four years before current fiscal year		0	0
Originated five years before current fiscal year		0	0
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		53,083	48,478
Total		53,083	48,478
Real Estate Loans | Construction | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total		0
Total		0
Real Estate Loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total		0	0
Total		$ 0	$ 0
[1]No new originations of Home Today loans since fiscal 2016.

Loans And Allowance For Cred_10

Loans And Allowance For Credit Losses (Schedule Of Recorded Investment In Troubled Debt Restructured Loans By Type Of Concession) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	$ 107,864	$ 109,036
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	62,707	63,066
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	31,238	31,811
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	13,919	14,159
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	58,415	58,550
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	30,157	30,071
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	17,385	17,583
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	10,873	10,896
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	23,121	23,839
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	10,060	10,359
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	11,177	11,485
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	1,884	1,995
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	26,328	26,647
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	22,490	22,636
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	2,676	2,743
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	$ 1,162	$ 1,268

Loans And Allowance For Cred_11

Loans And Allowance For Credit Losses (Summary Of Troubled Debt Restructured Loans Restructured During the Period By Type Of Concession) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	$ 2,841	$ 1,941
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	1,782	1,059
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	695	432
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	364	450
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	2,309	1,479
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	1,447	904
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	498	181
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	364	394
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	197	363
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	0	133
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	197	219
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	0	11
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	335	99
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	335	22
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	0	32
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	$ 0	$ 45

Loans And Allowance For Cred_12

Loans And Allowance For Credit Losses (Schedule Of Troubled Debt Restructured Loans Restructured Within The Last 12 Months Which Defaulted) (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2022 USD ($) contracts	Dec. 31, 2021 USD ($) contracts
Financing Receivable, Loan Forbearance [Line Items]
Number of contracts | contracts	8	16
Amortized Cost	$ 750	$ 1,269
Interest income on impaired loans, cash basis method	$ 162	$ 186
Residential Core
Financing Receivable, Loan Forbearance [Line Items]
Number of contracts | contracts	5	5
Amortized Cost	$ 676	$ 810
Residential Home Today
Financing Receivable, Loan Forbearance [Line Items]
Number of contracts | contracts	3	10
Amortized Cost	$ 74	$ 310
Home Equity Loans And Lines Of Credit
Financing Receivable, Loan Forbearance [Line Items]
Number of contracts | contracts	0	1
Amortized Cost	$ 0	$ 149

Deposits (Summary Of Deposit Ac

Deposits (Summary Of Deposit Account Balances) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Deposits Liability [Line Items]
Checking accounts	$ 1,181,361	$ 1,210,035
Certificates of deposit	6,164,106	5,862,274
Subtotal deposits	9,011,000	8,918,780
Accrued interest	3,295	2,237
Total deposits	9,014,295	8,921,017
Savings Accounts, excluding MMA
Deposits Liability [Line Items]
Savings accounts	1,302,131	1,364,821
Money Market Funds
Deposits Liability [Line Items]
Savings accounts	$ 363,402	$ 481,650

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Deposits Liability [Line Items]
Time Deposits, at or Above FDIC Insurance Limit	$ 815,108	$ 733,301
Certificates of Deposit
Deposits Liability [Line Items]
Brokered deposit	650,090	575,236
Checking Accounts
Deposits Liability [Line Items]
Brokered deposit	$ 0	$ 0

Borrowed Funds (Schedule of Bor

Borrowed Funds (Schedule of Borrowings) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Line of Credit Facility [Line Items]
Borrowing Capacity	$ 9,396,564
Borrowings Available	4,420,969
Borrowings Outstanding	4,975,595
Accrued Interest	11,692
Total	4,987,287
FRB-Cleveland
Line of Credit Facility [Line Items]
Borrowing Capacity	156,301
Borrowings Available	156,301
Borrowings Outstanding	0
Federal Funds Purchased
Line of Credit Facility [Line Items]
Borrowing Capacity	630,000
Borrowings Available	480,000
Borrowings Outstanding	150,000
Federal Home Loan Bank of Cincinnati
Line of Credit Facility [Line Items]
Borrowing Capacity	8,610,263
Borrowings Available	3,784,668
Borrowings Outstanding	$ 4,825,595

Borrowed Funds (Schedule of Fed

Borrowed Funds (Schedule of Federal Home Loan Bank Advances (FHLB) Borrowings) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Debt Disclosure [Abstract]
12 months or less	$ 1,690,000
13 to 24 months	850,000
25 to 36 months	750,000
37 to 48 months	550,737
49 to 60 months	727,675
Over 60 months	407,183
Accrued Interest	11,692
Total	$ 4,987,287
Weighted Average Rate: 12 months or less	4%
Weighted Average Rate: 13 to 24 months	1.66%
Weighted Average Rate: 25 to 36 months	2.05%
Weighted Average Rate: 37 to 48 months	2.25%
Weighted Average Rate: 49 to 60 months	3.23%
Weighted Average Rate: Over 60 months	3.27%
Weighted Average Rate Total FHLB Advances	2.94%
Line of Credit Facility [Line Items]
Borrowing Capacity	$ 9,396,564
Borrowings Available	4,420,969
Total Advances	4,975,595
Accrued Interest	11,692
Total	4,987,287
FRB-Cleveland
Line of Credit Facility [Line Items]
Borrowing Capacity	156,301
Borrowings Available	156,301
Total Advances	0
Federal Funds Purchased
Line of Credit Facility [Line Items]
Borrowing Capacity	630,000
Borrowings Available	480,000
Total Advances	150,000
Federal Home Loan Bank of Cincinnati
Line of Credit Facility [Line Items]
Borrowing Capacity	8,610,263
Borrowings Available	3,784,668
Total Advances	$ 4,825,595

Borrowed Funds (Narrative) (Fed

Borrowed Funds (Narrative) (Federal Home Loan Bank Advances) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Federal Home Loan Bank Advances, Branch of FHLB Bank [Line Items]
Interest expense	$ 63,813	$ 34,246
Federal Home Loan Bank Advances
Federal Home Loan Bank Advances, Branch of FHLB Bank [Line Items]
Interest expense	$ 38,636	$ 12,202

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Accumulated Other Comprehensive Income (Loss) by Component) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 1,844,339	$ 1,732,280
Other comprehensive income (loss)	(128)	17,662
Balance	1,849,589	1,753,370
Reclassification out of Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Reclassification from AOCI, Current Period, Tax	(1,427)	2,450
Unrealized gain (losses) on securities available for sale
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(33,899)	961
Other comprehensive loss before reclassifications, net of tax	(1,961)	(3,083)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	0	0
Other comprehensive income (loss)	(1,961)	(3,083)
Balance	(35,860)	(2,122)
Cash Flow Hedges
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	68,883	(58,210)
Other comprehensive loss before reclassifications, net of tax	6,775	12,270
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(5,139)	8,379
Other comprehensive income (loss)	1,636	20,649
Balance	70,519	(37,561)
Defined Benefit Plan
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(11,835)	(10,552)
Other comprehensive loss before reclassifications, net of tax	0	0
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	197	96
Other comprehensive income (loss)	197	96
Balance	(11,638)	(10,456)
Total
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	23,149	(67,801)
Other comprehensive loss before reclassifications, net of tax	4,814	9,187
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(4,942)	8,475
Other comprehensive income (loss)	(128)	17,662
Balance	23,021	(50,139)
Other Comprehensive Income (Loss) before Reclassifications, Tax	$ 1,574	$ 2,730

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Reclassification out of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands		3 Months Ended
		Dec. 31, 2022	Dec. 31, 2021
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		$ (5,927)	$ (4,185)
Reclassification out of Accumulated Other Comprehensive Income
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Total reclassifications for the period		(4,942)	8,475
Reclassification out of Accumulated Other Comprehensive Income | Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		1,485	(2,422)
Net of income tax expense		(5,139)	8,379
Reclassification out of Accumulated Other Comprehensive Income | Actuarial Loss
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Nonoperating Income (Expense)	[1]	255	124
Reclassification out of Accumulated Other Comprehensive Income | Defined Benefit Plan
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		(58)	(28)
Net of income tax expense		197	96
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, effective portion		$ (6,624)	$ 10,801
[1]This item is included in the computation of net periodic pension cost. See Note 9. DEFINED BENEFIT PLAN for additional disclosure.

Other Comprehensive Income (L_5

Other Comprehensive Income (Loss) (Adjustments) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Reclassification out of Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from AOCI, Current Period, Tax	$ (1,427)	$ 2,450
Total
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income (Loss) before Reclassifications, Tax	$ 1,574	$ 2,730

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details)	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Combined federal and state effective income tax rate	21.10%	20.60%

Defined Benefit Plan (Component

Defined Benefit Plan (Components Of Net Periodic Benefit Cost Recognized) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Retirement Benefits [Abstract]
Interest cost	$ 831	$ 611
Expected return on plan assets	(968)	(1,301)
Amortization of net loss	255	124
Net periodic (benefit) cost	$ 118	$ (566)

Defined Benefit Plan (Narrative

Defined Benefit Plan (Narrative) (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2022 USD ($)
Retirement Benefits [Abstract]
Required minimum contribution	$ 0
Minimum employer contributions expected during the remainder of the fiscal year.	$ 0

Equity Incentive Plan (Narrativ

Equity Incentive Plan (Narrative) (Details) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended
	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2022 USD ($) $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares subject to options (in shares)	2,358,775	2,358,775
Weighted average exercise price per share | $ / shares	$ 15.14	$ 15.14
Weighted average grant date fair value (in dollars per share) | $ / shares		$ 2.55
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares approved restricted stock and performance stock units	174,550
Restricted stock and performance stock units, non-vested	576,020	576,020
Restricted stock and performance stock units, non-vested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 16.50	$ 16.50
Restricted stock units and performance stock units outstanding	1,341,768	1,341,768
Expected future compensation expense related to restricted stock and performance stock units outstanding | $	$ 5,046	$ 5,046
Expected future expense related to non-vested options outstanding, weighted average years	2 years 4 months 24 days
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares approved restricted stock and performance stock units	102,000
Performance shares earned and added to those granted		4,394
Restricted stock and performance stock units, non-vested	218,071	218,071
Restricted stock and performance stock units, non-vested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 15.87	$ 15.87
Restricted stock units and performance stock units outstanding	218,071	218,071
Expected future compensation expense related to restricted stock and performance stock units outstanding | $	$ 2,245	$ 2,245
Expected future expense related to non-vested options outstanding, weighted average years	2 years 4 months 24 days

Equity Incentive Plan Equity _2

Equity Incentive Plan Equity Incentive Plan (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	$ 1,151	$ 1,026
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	941	898
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	$ 210	$ 128

Commitments And Contingent Li_3

Commitments And Contingent Liabilities (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Sep. 30, 2022
Unfunded And Commitments To Originate [Line Items]
Commitment to securitize and sell mortgage loans	$ 12,549	$ 9,661
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)	4,253,178
Loans
Unfunded And Commitments To Originate [Line Items]
Commitment to securitize and sell mortgage loans	$ 4,397	$ 0
Minimum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration of commitments to extend credit (in days)	60 days
Home equity line of credit unfunded commitments expiration, years	5 years
Maximum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration of commitments to extend credit (in days)	360 days
Home equity line of credit unfunded commitments expiration, years	10 years

Commitments And Contingent Li_4

Commitments And Contingent Liabilities (Schedule of Off Balance Sheet Risks) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage loans held for sale	$ 12,549	$ 9,661
Commitments To Originate
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	330,943
Total Allowance	2,478
Commitments To Originate Fixed-Rate Mortgage Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	107,867
Total Allowance	436
Commitments To Originate Adjustable-Rate Mortgage Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	100,271
Total Allowance	416
Commitments To Originate Equity Loans and Lines of Credit Including Bridge Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	122,805
Total Allowance	1,626
Unfunded Commitments
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	4,288,014
Total Allowance	23,632
Unfunded Commitments Equity Lines of Credit
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	4,228,265
Total Allowance	23,147
Unfunded Commitments Construction Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	59,749
Total Allowance	$ 485

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investments securities available-for-sale	$ 473,131		$ 457,908
Mortgage loans held for sale	12,549		9,661
Cost to dispose related to properties measured at fair value included in Consolidated Statements of Condition	186		156
Net gain on the sale of loans	17	$ 2,187
Real Estate Acquired Through Foreclosure	1,378		1,191
Interest Rate Swap | Cash Flow Hedging [Member] | Designated as Hedging Instrument
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Subject To Pending Agency Contracts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net gain on the sale of loans	0	$ (22)
Loans Held-For-Sale Reported at Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	12,549		9,661
Present Value of Cash Flows | Troubled Debt Restructuring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Allowance on performing troubled debt restructurings individually evaluated for impairment based on the present value of cash flows	10,120		10,284
Present Value of Cash Flows | Troubled Debt Restructuring | Performing | Portion at Other than Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Performing troubled debt restructurings individually evaluated for impairment	76,579		76,692
Allowance on performing troubled debt restructurings individually evaluated for impairment based on the present value of cash flows	10,120		10,284
Original Or Adjusted Cost Basis | Portion at Other than Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real Estate Acquired Through Foreclosure	132		155
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investments securities available-for-sale	473,131		457,908
Mortgage loans held for sale	12,549		9,661
Fair Value, Inputs, Level 2 | Carried At Cost | Portion at Other than Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	0		0
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investments securities available-for-sale	0		0
Mortgage loans held for sale	0		0
Fair Value, Measurements, Recurring | Fair Value, Inputs, Level 2 | Market Approach Valuation Technique | U.S. Government Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investments securities available-for-sale	473,131		457,908
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 Acquired Through Foreclosure	$ 1,432		$ 1,192

Fair Value (Fair Value Of Asset

Fair Value (Fair Value Of Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Assets:
Investments securities available-for-sale	$ 473,131	$ 457,908
Mortgage loans held for sale	12,549	9,661
Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	29	333
REMIC's
Assets:
Investments securities available-for-sale	468,538	453,268
Fannie Mae Certificates
Assets:
Investments securities available-for-sale	943	1,021
Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets:
Investments 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
Assets:
Derivative Liability	0	0
Significant Other Observable Inputs (Level 2)
Assets:
Investments securities available-for-sale	473,131	457,908
Mortgage loans held for sale	12,549	9,661
Significant Other Observable Inputs (Level 2) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	0	0
Significant Unobservable Inputs (Level 3)
Assets:
Investments 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
Assets:
Derivative Liability	29	333
Fair Value, Measurements, Recurring
Assets:
Total	473,131	457,908
Financial Liabilities Fair Value Disclosure	29	333
Fair Value, Measurements, Recurring | Interest Rate Lock Commitments
Assets:
Derivative Liability	$ 29	$ 333
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | REMIC's
Assets:
Investments securities available-for-sale	$ 468,538	$ 453,268
Fair Value, Measurements, Recurring | Fannie Mae Certificates
Assets:
Investments securities available-for-sale	943	1,021
Fair Value, Measurements, Recurring | US Treasury Notes Securities
Assets:
Investments securities available-for-sale	3,650	3,619
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets:
Total	0	0
Financial Liabilities Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Assets:
Derivative Liability	$ 0	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | REMIC's
Assets:
Investments securities available-for-sale	$ 0	$ 0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Fannie Mae Certificates
Assets:
Investments 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:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Assets:
Total	473,131	457,908
Financial Liabilities Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Assets:
Derivative Liability	$ 0	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | REMIC's
Assets:
Investments securities available-for-sale	$ 468,538	$ 453,268
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fannie Mae Certificates
Assets:
Investments securities available-for-sale	943	1,021
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | US Treasury Notes Securities
Assets:
Investments securities available-for-sale	3,650	3,619
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Assets:
Total	0	0
Financial Liabilities Fair Value Disclosure	29	333
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Assets:
Derivative Liability	$ 29	$ 333
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | REMIC's
Assets:
Investments securities available-for-sale	$ 0	$ 0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fannie Mae Certificates
Assets:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | US Treasury Notes Securities
Assets:
Investments securities available-for-sale	$ 0	$ 0

Fair Value (Fair Value Assets A

Fair Value (Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input Reconciliation) (Details) - Fair Value, Inputs, Level 3 - Interest Rate Lock Commitments - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Abstract]
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis with Unobservable Inputs	$ (333)	$ 525
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis with Unobservable Inputs, Ending Balance	(29)	247
Included in other non-interest income	304	(278)
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss)	$ (29)	$ 247
Fair Value, Asset (Liability), 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
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

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	$ 59,438	$ 57,974
Fair Value, Measurements, Nonrecurring | Collateral Dependent Loans, Net Of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	45,457	47,121
Fair Value, Measurements, Nonrecurring | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	1,432	1,192
Fair Value, Measurements, Nonrecurring | Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	12,549	9,661
Fair Value, Measurements, Nonrecurring | Quoted Prices In Active Markets For Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Collateral Dependent Loans, Net Of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Fair Value, Measurements, Nonrecurring | 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	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	12,549	9,661
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Collateral Dependent Loans, Net Of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Fair Value, Measurements, Nonrecurring | 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	12,549	9,661
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	46,889	48,313
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	1,432	1,192
Fair Value, Measurements, Nonrecurring | 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	0
Measurement Input, Discounted Appraised Value | Collateral Value | Significant Unobservable Inputs (Level 3) | Collateral Dependent Loans, Net Of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	45,457	47,121
Measurement Input, Discounted Appraised Value | Collateral Value | Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Collateral Dependent Loans, Net Of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	$ 45,457	$ 47,121

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 - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Collateral Value | Measurement Input, Discounted Appraised Value | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, collateral dependent loans, net of allowance	0%	0%
Collateral Value | Measurement Input, Discounted Appraised Value | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, collateral dependent loans, net of allowance	28%	28%
Collateral Value | Measurement Input, Discounted Appraised Value | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, collateral dependent loans, net of allowance	4.60%	4.70%
Collateral Value | Measurement Input, Discounted Appraised Value | Collateral Dependent Loans, Net Of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	$ 45,457	$ 47,121
Secondary Market Pricing | Measurement Input, Closure Rate | Interest Rate Lock Commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	$ (29)	$ 333
Secondary Market Pricing | Measurement Input, Closure Rate | Interest Rate Lock Commitments | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments	0	0
Secondary Market Pricing | Measurement Input, Closure Rate | Interest Rate Lock Commitments | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments	1	1
Secondary Market Pricing | Measurement Input, Closure Rate | Interest Rate Lock Commitments | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments	0.966	0.937

Fair Value (Estimated Fair Valu

Fair Value (Estimated Fair Value Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Carrying Amount
Assets:
Investments securities available-for-sale	$ 473,131	$ 457,908
Mortgage loans held for sale	12,549	9,661
Federal Home Loan Bank stock	222,415	212,290
Cash collateral received from or held by counterparty	36,202	26,045
Liabilities:
Borrowed funds	4,987,287	4,793,221
Carrying Amount | Checking Accounts
Liabilities:
Deposits	2,846,894	3,056,506
Carrying Amount | Certificates of Deposit
Liabilities:
Deposits	6,167,401	5,864,511
Carrying Amount | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	109,070	117,250
Carrying Amount | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	28,500	29,913
Carrying Amount | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	29	333
Carrying Amount | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	31,515	18,961
Carrying Amount | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	412,066	350,603
Carrying Amount | Total real estate loans
Assets:
Loans, net	14,470,014	14,253,804
Carrying Amount | Other Loans
Assets:
Loans, net	3,481	3,263
Carrying Amount | Accrued Interest Receivable
Assets:
Accrued interest receivable	45,317	40,256
Investments securities available-for-sale	473,131	457,908
Mortgage loans held for sale	12,549	9,661
Federal Home Loan Bank stock	222,415	212,290
Cash collateral received from or held by counterparty	36,202	26,045
Liabilities:
Borrowed funds	4,936,724	4,734,377
Checking Accounts
Liabilities:
Deposits	2,846,894	3,056,506
Certificates of Deposit
Liabilities:
Deposits	6,063,239	5,733,418
Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	109,070	117,250
Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	28,500	29,913
Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	29	333
Cash and Due From Banks
Assets:
Cash and Cash Equivalents	31,515	18,961
Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	412,066	350,603
Total real estate loans
Assets:
Loans, net	13,393,127	13,106,346
Other Loans
Assets:
Loans, net	3,481	3,263
Accrued Interest Receivable
Assets:
Accrued interest receivable	45,317	40,256
Fair Value, Inputs, Level 1
Assets:
Investments securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Cash collateral received from or held by counterparty	36,202	26,045
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 1 | Checking Accounts
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 1 | Certificates of Deposit
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 1 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 1 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 1 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	0	0
Fair Value, Inputs, Level 1 | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	31,515	18,961
Fair Value, Inputs, Level 1 | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	412,066	350,603
Fair Value, Inputs, Level 1 | Total real estate loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Other Loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Accrued Interest Receivable
Assets:
Accrued interest receivable	0	0
Fair Value, Inputs, Level 2
Assets:
Investments securities available-for-sale	473,131	457,908
Mortgage loans held for sale	12,549	9,661
Federal Home Loan Bank stock	0	0
Cash collateral received from or held by counterparty	0	0
Liabilities:
Borrowed funds	4,936,724	4,734,377
Fair Value, Inputs, Level 2 | Checking Accounts
Liabilities:
Deposits	2,846,894	3,056,506
Fair Value, Inputs, Level 2 | Certificates of Deposit
Liabilities:
Deposits	6,063,239	5,733,418
Fair Value, Inputs, Level 2 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	109,070	117,250
Fair Value, Inputs, Level 2 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	28,500	29,913
Fair Value, Inputs, Level 2 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	0	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 | Total real estate loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Other Loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Accrued Interest Receivable
Assets:
Accrued interest receivable	45,317	40,256
Fair Value, Inputs, Level 3
Assets:
Investments securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Federal Home Loan Bank stock	0	0
Cash collateral received from or held by counterparty	0	0
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 3 | Checking Accounts
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 3 | Certificates of Deposit
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 3 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 3 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 3 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	29	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 | Total real estate loans
Assets:
Loans, net	13,393,127	13,106,346
Fair Value, Inputs, Level 3 | Other Loans
Assets:
Loans, net	3,481	3,263
Fair Value, Inputs, Level 3 | Accrued Interest Receivable
Assets:
Accrued interest receivable	$ 0	$ 0

Derivative Instruments (Narrati

Derivative Instruments (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022
Carrying Amount
Derivative [Line Items]
Cash collateral received from or held by counterparty	$ 36,202	$ 26,045
Estimated amount in AOCI to be reclassed in the next 12 months as a reduction to expense	50,035
Cash collateral received from or held by counterparty	$ 36,202	$ 26,045
Cash Flow Hedge | Designated as Hedging Instrument | Interest Rate Swap
Derivative [Line Items]
Swap weighted average terms	3 years 6 months	2 years 8 months 12 days
Swap weighted average interest rate	2.25%	1.88%

Derivative Instruments (Schedul

Derivative Instruments (Schedule Of Derivative Instruments In Statement Of Financial Position, Fair Value) (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Dec. 31, 2022		Sep. 30, 2022
Designated as Hedging Instrument | Cash Flow Hedge | Interest Rate Swap
Derivatives, Fair Value [Line Items]
Notional Amount		$ 1,950,000		$ 1,550,000
Derivative, Fair Value, Net		$ 0		$ 0
Swap weighted average terms		3 years 6 months		2 years 8 months 12 days
Swap weighted average interest rate		2.25%		1.88%
Designated as Hedging Instrument | Cash Flow Hedge | Interest Rate Swap | Other Assets | Total cash flow hedges: Interest rate swaps
Derivatives, Fair Value [Line Items]
Notional Amount		$ 1,475,000	[1]	$ 1,550,000
Derivative, Fair Value, Net		$ 0	[1]	$ 0
Swap weighted average terms		2 years 7 months 6 days	[1]	2 years 8 months 12 days
Swap weighted average interest rate		1.87%	[1]	1.88%
Designated as Hedging Instrument | Cash Flow Hedge | Interest Rate Swap | Other Assets | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Derivatives, Fair Value [Line Items]
Notional Amount	[2]	$ 400,000
Derivative, Fair Value, Net	[2]	$ 0
Swap weighted average terms	[2]	6 years 7 months 6 days
Swap weighted average interest rate	[2]	3.35%
Designated as Hedging Instrument | Cash Flow Hedge | Interest Rate Swap | Other Liabilities | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Derivatives, Fair Value [Line Items]
Notional Amount	[2]	$ 75,000
Derivative, Fair Value, Net	[2]	$ 0
Swap weighted average terms	[2]	4 years 10 months 24 days
Swap weighted average interest rate	[2]	3.82%
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Notional Amount		$ 8,782		$ 9,170
Derivative, Fair Value, Net		(29)		(333)
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Liabilities
Derivatives, Fair Value [Line Items]
Notional Amount		4,385		9,170
Derivative, Fair Value, Net		(29)		(333)
Not Designated as Hedging Instrument | Forward Commitments For Sale Of Mortgage Loans | Other Assets
Derivatives, Fair Value [Line Items]
Notional Amount		4,397		0
Derivative, Fair Value, Net		$ 0		$ 0
[1]LIBOR swap contracts that remain outstanding at July 2023 will transition to a SOFR-based rate.[2]All swap contracts entered into after October 1st, 2022 are based on a SOFR-based rate.

Derivative Instruments (Sched_2

Derivative Instruments (Schedule Of Effect Of Derivative Instruments, Gain (Loss) In Statement Of Financial Performance) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Designated as Hedging Instrument | Cash Flow Hedge
Derivatives, Fair Value [Line Items]
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Expense, Borrowings	Interest Expense, Borrowings
Amount of gain/(loss) reclassified from AOCI	$ 6,624	$ (10,801)
Designated as Hedging Instrument | Cash Flow Hedge | Other Comprehensive Income (Loss)
Derivatives, Fair Value [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	9,104	$ 15,893
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Notional Value	8,782		$ 9,170
Derivative, Fair Value, Net	$ (29)		(333)
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
Total	$ 304	$ (278)
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Liabilities
Derivatives, Fair Value [Line Items]
Notional Value	4,385		9,170
Derivative, Fair Value, Net	$ (29)		$ (333)
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
Total	$ 0	$ (22)