TFS Financial (TFSL) 10-K 21 Nov 23 2023 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Nov. 20, 2023
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 30, 2023
Document Transition Report	false
Entity File Number	001-33390
Entity Registrant Name	TFS FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	52-2054948
Entity Address, Address Line One	7007 Broadway Avenue
Entity Address, City or Town	Cleveland,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	44105
City Area Code	216
Local Phone Number	441-6000
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	TFSL
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float	$ 651,970
Entity Common Stock, Shares Outstanding		280,359,173
Entity Central Index Key	0001381668
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Amendment Flag	false
ICFR Auditor Attestation Flag	true
Auditor Name	Deloitte & Touche LLP
Auditor Location	Cleveland, Ohio
Auditor Firm ID	34
Document Financial Statement Error Correction [Flag]	false

Consolidated Statements Of Cond

Consolidated Statements Of Condition - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
ASSETS
Cash and due from banks	$ 29,134	$ 18,961
Other interest-earning cash equivalents	437,612	350,603
Cash and cash equivalents	466,746	369,564
Investment securities available-for-sale	508,324	457,908
Mortgage loans held for sale	3,260	9,661
Loans
Deferred loan expenses, net	60,807	50,221
Allowance for loan losses	(77,315)	(72,895)
Loans, net	15,165,747	14,257,067
Mortgage loan servicing assets, net	7,400	7,943
Federal Home Loan Bank stock, at cost	247,098	212,290
Real estate owned, net	1,444	1,191
Premises, equipment, and software, net	34,708	34,531
Accrued interest receivable	53,910	40,256
Bank owned life insurance contracts	312,072	304,040
Other assets	117,270	95,428
TOTAL ASSETS	16,917,979	15,789,879
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits	9,449,820	8,921,017
Borrowed funds	5,273,637	4,793,221
Borrowers' advances for insurance and taxes	124,417	117,250
Principal, Interest, And Related Escrow Owed On Loans Serviced	29,811	29,913
Accrued expenses and other liabilities	112,933	84,139
Total liabilities	14,990,618	13,945,540
Commitments and contingent liabilities
Preferred stock	0	0
Common stock	3,323	3,323
Paid-in capital	1,755,027	1,751,223
Treasury Stock	(776,101)	(771,986)
Unallocated ESOP shares	(27,084)	(31,417)
Retained earnings - substantially restricted	886,984	870,047
Accumulated other comprehensive loss	85,212	23,149
Total shareholders' equity	1,927,361	1,844,339
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	16,917,979	15,789,879
Mortgage Receivable
Loans
Loans, gross	15,177,844	14,276,478
Other Loans
Loans
Loans, gross	$ 4,411	$ 3,263

Consolidated Statements Of Co_2

Consolidated Statements Of Condition (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Statement of Financial Position [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	$ 561,715	$ 501,597
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	700,000,000	700,000,000
Common stock, shares issued	332,318,750	332,318,750
Common stock, shares outstanding	280,359,173	280,582,741
Treasury stock, at cost	51,959,577	51,736,009

Consolidated Statements Of Inco

Consolidated Statements Of Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$ 565,610	$ 395,691	$ 381,887
Investment securities available for sale	14,370	5,501	3,822
Other interest and dividend earning assets	31,939	8,141	3,642
Interest income	611,919	409,333	389,351
INTEREST EXPENSE:
Deposits	174,201	76,943	97,319
Borrowed funds	154,151	64,994	60,402
Interest expense	328,352	141,937	157,721
Net interest income	283,567	267,396	231,630
Provision (credit) for loan losses	(1,500)	1,000	(9,000)
Net interest income after provision for loan losses	285,067	266,396	240,630
NON-INTEREST INCOME
Net gain on the sale of loans	498	1,136	33,082
Increase in and death benefits from bank owned life insurance contracts	9,355	9,984	9,961
Other	3,736	2,750	2,654
Non-interest income	21,429	23,804	55,299
NON-INTEREST EXPENSE
Salaries and employee benefits	112,785	109,339	108,867
Marketing services	25,288	21,263	19,174
Office property, equipment and software	27,734	26,783	25,710
Federal insurance premium and assessments	13,452	9,361	9,085
State franchise tax	4,891	4,859	4,663
Other expenses	28,979	26,541	28,336
Total non-interest expense	213,129	198,146	195,835
Income tax expense	18,117	17,489	19,087
Net income	$ 75,250	$ 74,565	$ 81,007
Earnings per share
Earnings per share - Basic	$ 0.27	$ 0.26	$ 0.29
Earnings per share - Diluted	$ 0.26	$ 0.26	$ 0.29
Weighted average shares outstanding
Basic	277,436,382	277,370,762	276,694,594
Diluted	278,583,454	278,686,365	278,576,254
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$ 93,367	$ 92,054	$ 100,094
Banking
NON-INTEREST INCOME
Fees and service charges, net of amortization	$ 7,840	$ 9,934	$ 9,602

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income Statement - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Net income	$ 75,250	$ 74,565	$ 81,007
Other comprehensive income (loss), net of tax:
Net change in unrealized loss on securities available for sale	(7,274)	(34,860)	(3,733)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent	66,649	127,093	56,096
Change in pension obligation	2,688	(1,283)	11,801
Other comprehensive income (loss)	62,063	90,950	64,164
Total comprehensive income	$ 137,313	$ 165,515	$ 145,171

Consolidated Statements Of Shar

Consolidated Statements Of Shareholders' Equity - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Common Stock	Paid-In Capital	Treasury stock	Unallocated Common Stock Held By ESOP	Retained Earnings	Retained Earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated Other Comprehensive Income (Loss)
Balance at Sep. 30, 2020	$ 1,671,853		$ 3,323	$ 1,742,714	$ (767,649)	$ (40,084)	$ 865,514		$ (131,965)
Comprehensive Income
Net income	81,007						81,007
Other comprehensive loss, net of tax	64,164						0		64,164
ESOP shares allocated or committed to be released	8,269			3,936		4,333
Compensation costs for stock-based plans	5,442			5,442			0
Treasury stock allocated to restricted stock plan	(5,591)			(5,205)	(386)		0
Dividends paid to common shareholders	(57,101)						(57,101)
Balance at Sep. 30, 2021	1,732,280		3,323	1,746,887	(768,035)	(35,751)	853,657		(67,801)
Balance (Accounting Standards Update 2016-13) at Sep. 30, 2021		$ (35,763)						$ (35,763)
Comprehensive Income
Net income	74,565						74,565
Other comprehensive loss, net of tax	90,950						0		90,950
ESOP shares allocated or committed to be released	7,063			2,729		4,334
Compensation costs for stock-based plans	3,946			3,946			0
Purchase of treasury stock	(5,049)				(5,049)
Treasury stock allocated to restricted stock plan	(1,241)			(2,339)	1,098		0
Dividends paid to common shareholders	(58,175)						(58,175)
Balance at Sep. 30, 2022	1,844,339		3,323	1,751,223	(771,986)	(31,417)	870,047		23,149
Comprehensive Income
Net income	75,250						75,250
Other comprehensive loss, net of tax	62,063						0		62,063
ESOP shares allocated or committed to be released	5,760			1,427		4,333
Compensation costs for stock-based plans	4,240			4,240			0
Purchase of treasury stock	(5,000)				(5,000)
Treasury stock allocated to restricted stock plan	(978)			(1,863)	885		0
Dividends paid to common shareholders	(58,313)						(58,313)
Balance at Sep. 30, 2023	$ 1,927,361		$ 3,323	$ 1,755,027	$ (776,101)	$ (27,084)	$ 886,984		$ 85,212

Consolidated Statements Of Sh_2

Consolidated Statements Of Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Statement of Stockholders' Equity [Abstract]
Purchase of treasury stock (shares)	361,869	337,259
Dividends paid to common shareholders, per common share	$ 1.13	$ 1.13	$ 1.1225

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 75,250	$ 74,565	$ 81,007
Adjustments to reconcile net income to net cash provided by operating activities:
ESOP and stock-based compensation expense	10,000	11,009	13,711
Depreciation and amortization	18,115	27,035	32,568
Deferred income taxes	3,732	(26,876)	(14,249)
Provision (credit) for loan losses	(1,500)	1,000	(9,000)
Net gain on the sale of loans	(498)	(1,136)	(33,082)
Net gain on sale of commercial property	0	(181)	0
Other net (gains) losses	(199)	810	689
Principal repayments on and proceeds from sales of loans held for sale	43,124	41,495	63,913
Loans originated for sale	(45,082)	(66,162)	(67,024)
Increase in cash surrender value for bank owned life insurance contracts	(9,355)	(8,432)	(7,979)
Net (increase) decrease in interest receivable and other assets	(39,360)	(13,043)	7,697
Net increase (decrease) in accrued expenses and other liabilities	36,495	(1,155)	14,904
Net cash provided by operating activities	90,722	38,929	83,155
CASH FLOWS FROM INVESTING ACTIVITIES:
Loans originated or purchased	(3,549,306)	(5,273,730)	(4,874,761)
Principal repayments on loans	2,605,262	3,447,529	4,756,761
Proceeds from principal repayments and maturities of:
Securities available for sale	83,567	163,568	317,066
Proceeds from sale of:
Proceeds from Securitization, Loan, Held-for-Sale	33,635	87,671	739,699
Real estate owned	484	429	206
Premises, equipment and other assets	0	389	0
Purchases of:
Bank-owned life insurance	0	0	(70,000)
FHLB stock	(34,808)	(49,507)	(25,990)
Payments to Acquire Debt Securities, Available-for-Sale	(144,663)	(250,022)	(297,466)
Premises, equipment, and software, net	(5,101)	(2,700)	(1,337)
Other	2,299	1,278	3,178
Net Cash Provided by (Used in) Investing Activities	(1,008,631)	(1,875,095)	547,356
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	520,029	(72,511)	(231,949)
Net increase (decrease) in borrowers' advances for insurance and taxes	7,167	7,617	(1,903)
Net decrease in principal and interest owed on loans serviced	(101)	(11,563)	(4,419)
Fair Value of Plan Assets	417,000	875,000	(525,000)
Increase (Decrease) in Federal Funds Purchased	(225,000)	225,000	0
Proceeds from long-term borrowed funds	350,000	600,000	100,000
Repayment of long-term borrowed funds	(77,876)	(3,646)	(4,689)
Cash collateral/settlements received from (provided to) derivative counterparties	88,144	162,094	89,970
Acquisition of treasury shares	(5,978)	(6,290)	(5,591)
Dividends paid to common shareholders	(58,294)	(58,297)	(56,637)
Net cash provided (used in) by financing activities	1,015,091	1,717,404	(640,218)
Cash and cash equivalents—beginning of year	369,564	488,326	498,033
Cash and cash equivalents—end of year	466,746	369,564	488,326
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
cash paid (received) for interest on interest rate swaps	(50,416)	29,138	45,031
Cash paid for income taxes	21,776	39,602	25,772
SUPPLEMENTAL SCHEDULES OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Transfer of loans to real estate owned	869	1,283	330
Transfer of loans from held for investment to held for sale	33,543	86,077	698,917
Transfer of Loans Held-for-sale to Portfolio Loans	8,433	22,741	0
Treasury Stock Issued For Stock Benefit Plans	1,863	2,412	5,310
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	97,182	(118,762)	(9,707)
Deposits
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	169,153	76,558	98,535
Borrowed Funds
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	$ 194,601	$ 37,120	$ 16,043

Description Of Business And Sum

Description Of Business And Summary Of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	DESCRIPTION OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business —TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering, and other financial services. Third Federal Savings and Loan Association of Cleveland, MHC, its federally chartered mutual holding company parent, owned 81.01% of the outstanding shares of common stock of the Company at September 30, 2023. The Company’s primary operating subsidiaries include the Association and Third Capital, Inc. The Association is a federal savings association, which provides retail loan and savings products to its customers in Ohio and Florida, through its 37 full-service branches, four loan production offices, customer service call center and internet site. The Association also provides savings products, purchase mortgages, first mortgage refinance loans, home equity lines of credit, and home equity loans in states outside of its branch footprint. The Association also acquires first mortgage loans through a correspondent lending partnership. Third Capital, Inc. was formed to hold non-thrift investments and subsidiaries. The accounting and reporting policies of TFS Financial Corporation and its subsidiaries conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. No material subsequent events have occurred requiring recognition in the consolidated financial statements or disclosure in the notes to the consolidated financial statements. The following is a description of the significant accounting and reporting policies, which the Company follows in preparing and presenting its consolidated financial statements. Basis of Consolidation and Reporting —The consolidated financial statements of the Company include the accounts of TFS Financial Corporation and its wholly owned subsidiaries. Intercompany balances and transactions have been eliminated in consolidation. Estimates —The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. Cash and Cash Equivalents —Cash and cash equivalents consist of working cash on hand, and demand and interest bearing deposits at other financial institutions with maturities of three months or less. For purposes of reporting cash flows, cash and cash equivalents also includes federal funds sold, when applicable. The Company has acknowledged informal agreements with banks where it maintains deposits. Under these agreements, service fees charged to the Company are waived provided certain average compensating balances are maintained throughout each month. Investment Securities —Our fixed-maturity securities are accounted for on an available-for-sale basis. Securities held as available-for-sale are reported at fair value, with the corresponding unrealized gains and (losses), net of deferred income taxes, reported in AOCI. Management determines the appropriate classification of investment securities based on its intent and ability to hold at the time of purchase. Purchases of securities are accounted for on a trade-date or settlement-date basis, depending on the settlement terms. Realized gains and (losses) on securities are computed on a specific identification basis. Realized gains and (losses) also include changes in fair value on derivatives not designated as hedging instruments. Sales of securities are accounted for on a trade-date or settlement-date basis, depending on the settlement terms. A decline in the fair value of any available for sale security, below cost, is evaluated for credit loss. Credit loss is recognized in earnings if management intends, or will more likely than not be required, to sell the security before the recovery of its amortized cost basis. If the present value of cash flows expected to be collected is less than the amortized cost basis of the security, then a credit loss exists and an allowance would be recognized as a credit loss expense, limited to the difference between fair value and amortized cost. Non-credit related loss is recognized in OCI, net of applicable deferred income taxes. To determine whether a credit loss exists, the Company considers, among other things, adverse conditions related to the security, industry, geographic area, the payment schedule of the debt security and likelihood that the issuer will be able to make payments that increase in the future, failure of the issuer to make scheduled payments and all available information relevant to the securities collectability, changes in ratings assigned by a rating agency, and other credit enhancements that affect the securities expected performance. Investment income consist of interest and accretion (net of amortization). Interest is recognized on an accrual basis using the level-yield method. Premiums and discounts are amortized using the level-yield method. Derivative Instruments —Derivative instruments are carried at fair value in the Company's financial statements. For derivative instruments that are designated and qualify as cash flow hedges, changes in the fair value of the derivative instrument are reported as a component of OCI, net of tax, and reclassified into earnings in the same period during which the hedged transaction affects earnings. The earnings effect of the hedging instrument will be presented in the same income statement line item as the earnings effect of the hedged item. AOCI will be adjusted to a balance that reflects the cumulative change in the fair value of the hedging instrument. At the inception of a hedge, the Company documents certain items, including the relationship between the hedging instrument and the hedged item, the risk management objective and the nature of the risk being hedged, a description of how effectiveness will be measured, an evaluation of hedge transaction effectiveness and the benchmark interest rate or contractually specified interest rate being hedged. Hedge accounting is discontinued prospectively when (1) a derivative is no longer highly effective in offsetting changes in the fair value or cash flow of a hedged item, (2) a derivative expires or is sold, (3) a derivative is de-designated as a hedge, because it is unlikely that a forecasted transaction will occur, or (4) it is determined that designation of a derivative as a hedge is no longer appropriate. When hedge accounting is discontinued, the Company would continue to carry the derivative on the statement of condition at its fair value; however, changes in its fair value would be recorded in earnings instead of through OCI. For derivative instruments not designated as hedging instruments, the Company recognizes gains and (losses) on the derivative instrument in current earnings during the period of change. Mortgage Banking Activity —Mortgage loans originated or purchased and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Mortgage loans included in pending agency contracts to sell and securitize loans are carried at fair value. Fair value is based on quoted secondary market pricing for loan portfolios with similar characteristics and includes consideration of deferred fees (costs). Net unrealized gains or losses on loans carried at fair value, are recognized in a valuation allowance by charges to income. The Company retains servicing on loans that are sold and initially recognizes an asset for mortgage loan servicing rights based on the fair value of the servicing rights. Residential mortgage loans represent the single class of servicing rights and are measured at the lower of cost or fair value on a recurring basis. Mortgage loan servicing rights are reported net of accumulated amortization, which is recorded in proportion to, and over the period of, estimated net servicing revenues. The Company monitors prepayments and changes amortization of mortgage servicing rights accordingly. Fair values are estimated using discounted cash flows based on current interest rates and prepayment assumptions, and impairment is monitored each quarterly reporting period. The impairment analysis is based on predominant risk characteristics of the loans serviced, such as type, fixed- and adjustable-rate loans, original terms and interest rates. The amount of impairment recognized is the amount by which the mortgage loan servicing assets exceed their fair value. Servicing fee income net of amortization and other loan fees collected on loans serviced for others are included in Fees and service charges, net of amortization on the CONSOLIDATED STATEMENTS OF INCOME . Loans and Related Deferred Loan Expenses, net —Loans originated or purchased with the intent to hold into the foreseeable future are carried at unpaid principal balances adjusted for partial charge-offs, the allowance for credit losses and net deferred loan expenses. Interest on loans is accrued and credited to income as earned. Interest on loans is not recognized in income when collectability is uncertain. Loan fees and certain direct loan origination costs are deferred and recognized as an adjustment to interest income using the level-yield method over the contractual lives of related loans, if the loans are held for investment. If the loans are held for sale, net deferred fees (costs) are generally not amortized, but rather are recognized when the related loans are sold. Loans are classified as TDRs when the original contractual terms are restructured to provide a concession to a borrower experiencing financial difficulty under terms that would not otherwise be available and the restructuring is the result of an agreement between the Company and the borrower or is imposed by a court or law. Concessions granted in TDRs may include a reduction of the stated interest rate, a reduction or forbearance of principal, an extension of the maturity date, a significant delay in payments, the removal of one or more borrowers from the obligation, or any combination of these. Allowance for Credit Losses —The allowance for credit losses represents the estimate of lifetime losses in our loan portfolio and off-balance sheet commitments. The allowance for credit losses is assessed on a quarterly basis and provisions (releases) for credit losses are made accordingly. The allowance is established using relevant available information, relating to past events, current conditions and supportable economic forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Qualitative adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency status or likely recovery of previous loan charge-offs. The allowance for credit losses is increased by recoveries and decreased by charge-offs. Also, qualitative adjustments were made to reflect expected recovery of loan amounts previously charged-off, beyond what the model is able to project. For further discussion on the allowance for credit losses, non-accrual, and TDRs, see Note 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES . Real Estate Owned, net —Real estate owned, net represents real estate acquired through foreclosure or deed in lieu of foreclosure and is initially recorded at fair value, less estimated costs to sell. Subsequent to acquisition, real estate owned is carried at the lower of cost or fair value, less estimated selling costs. Management performs periodic valuations and a valuation allowance is established by a charge to income for any excess of the carrying value over the fair value, less estimated costs to sell the property. Recoveries in fair value during the holding period are recognized until the valuation allowance is reduced to zero. Costs related to holding and maintaining the property are charged to expense. Premises, Equipment, and Software, net —Depreciation and amortization of premises, equipment and software is computed on a straight-line basis over the estimated useful lives of the related assets. Estimated lives are 31.5 years for office facilities and three Leases —At inception, all contracts are evaluated to determine if the arrangement contains a lease based on the terms and conditions. As a lessee, the Company recognizes leases with terms greater than one year on the CONSOLIDATED STATEMENTS OF CONDITION as lease assets (a right-of-use asset) and lease liabilities (a liability to make lease payments), measured on a discounted basis. For further discussion on leases, see Note 8. LEASES . Bank Owned Life Insurance Contracts —Life insurance is provided under both whole and split dollar life insurance agreements. Policy premiums were prepaid and the Company will recover the premiums paid from the proceeds of the policies. The Company recognizes death benefits and growth in the cash surrender value of the policies in other non-interest income. Goodwill —The excess of purchase price over the fair value of net assets of acquired companies is classified as goodwill and reported in Other Assets. Goodwill was $9,732 at September 30, 2023 and 2022. Goodwill is reviewed for impairment on an annual basis as of September 30. No impairment was identified as of September 30, 2023 or 2022. Taxes on Income —Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Additional information about policies related to income taxes is included in Note 12. INCOME TAXES . Deposits —Interest on deposits is accrued and charged to expense monthly and is paid or credited in accordance with the terms of the accounts. Treasury Stock— Acquisitions of treasury stock through stock repurchases are recorded at cost using the cost method of accounting. Repurchases may be made through open market purchases, block trades and in negotiated private transactions, subject to the availability of stock, general market conditions, the trading price of the stock, alternative uses for capital, and the Company’s financial performance. Repurchased shares will be available for general corporate purposes. Accumulated Other Comprehensive Income (Loss) —AOCI consists of changes in pension obligations, changes in unrealized gains (losses) on securities available for sale and cash flow hedges, each of which is net of the related income tax effects. The Company's policy is to release income tax effects from AOCI only when the entire portfolio to which the underlying transactions relate to is liquidated, sold or extinguished. Revenue from Contracts with Customers —The core principle of the guidance requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled to receive in exchange for those goods or services. Three of the Company's revenue streams within scope of Topic 606 are the sales of REO, interchange income, and deposit account and other transaction-based service fee income. Those streams are immaterial and therefore quantitative information regarding these streams is not disclosed. Pension Benefits —The determination of our obligations and expense for pension benefits is dependent upon certain assumptions used in calculating such amounts. Key assumptions used in the actuarial valuations include the discount rate and expected long-term rate of return on plan assets. Actual results could differ from the assumptions and market driven rates may fluctuate. Significant differences in actual experience or significant changes in the assumptions could materially affect future pension obligations and expense. Share-Based Compensation —Compensation expense for awards of equity instruments is recognized on a straight-line basis over the requisite service period based on the grant date fair value estimated in accordance with the provisions of FASB ASC 718 “Compensation—Stock Compensation”. All vested equity instruments are settled in stock. Forfeitures are recognized as they occur. Share-based compensation expense is included in Salaries and employee benefits in the CONSOLIDATED STATEMENTS OF INCOME . Tax benefits or deficiencies recognized for the difference between realized deductions and cumulative book compensation cost on share-based compensation awards are included in operating cash flows on the CONSOLIDATED STATEMENTS OF CASH FLOW . The grant date fair value of stock options is estimated using the Black-Scholes option-pricing model using assumptions for the expected option term, expected stock price volatility, risk-free interest rate, and expected dividend yield. Due to limited historical data on exercise of share options, the simplified method is used to estimate expected option term. Marketing Costs —Marketing costs are expensed as incurred. Earnings per Share —Basic EPS is computed by dividing net income by the weighted-average number of shares of common stock outstanding. Outstanding shares include shares sold to subscribers, shares held by the Third Federal Foundation, shares of the Employee Stock Ownership Plan which have been allocated or committed to be released for allocation to participants, and shares held by Third Federal Savings, MHC. Unvested shares awarded in the Company's share-based compensation plan are treated as participating securities for purposes of the two-class method when they contain nonforfeitable rights to dividends, but are not included in the number of shares in the computation of basic EPS. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Diluted EPS is computed using the same method as basic EPS, but the weighted-average number of shares reflects the potential dilution, if any, of unexercised stock options, unvested shares of performance share units and unvested shares of restricted stock units that could occur if stock options were exercised and performance share units and restricted stock units were issued and converted into common stock. These potentially dilutive shares would then be included in the number of weighted-average shares outstanding for the period using the treasury stock method. At September 30, 2023, 2022 and 2021, potentially dilutive shares include stock options, restricted stock units and performance share units issued through share-based compensation plans.

Stock Transactions

Stock Transactions	12 Months Ended
	Sep. 30, 2023
Stock Transactions, Parenthetical Disclosure [Abstract]
Stock Transactions	STOCK TRANSACTIONSTFS Financial Corporation completed its initial public stock offering on April 20, 2007 and sold 100,199,618 shares, or 30.16% of its post-offering outstanding common stock, to subscribers in the offering. Third Federal Savings, MHC, the Company’s mutual holding company parent, holds 227,119,132 shares of TFS Financial Corporation’s outstanding common stock. TFS Financial Corporation issued 5,000,000 shares of common stock, or 1.50% of its post-offering outstanding common stock, to Third Federal Foundation.Pursuant to the eighth repurchase program for the repurchase of 10,000,000 shares authorized by the Board of Directors in October, 2016, 361,869 shares were repurchased during the year ended September 30, 2023, 337,259 shares were repurchased during the year ended September 30, 2022, and no shares were repurchased during the year ended September 30, 2021. At September 30, 2023, there were 5,191,951 shares remaining to be purchased under the eighth repurchase program. The Company previously repurchased 51,300,000 shares of the Company’s common stock as part of the previous seven Board of Directors-approved share repurchase programs. In total, the Company has repurchased 56,108,049 shares of the Company's common stock as of September 30, 2023.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Sep. 30, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Matters	REGULATORY MATTERSThe Association is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the financial statements of the Association. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Association must meet specific capital guidelines that involve quantitative measures of its assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Association to maintain minimum amounts and ratios (set forth in table below) of common equity Tier 1, Tier 1, and Total capital (as defined in the regulations) to risk-weighted assets (as defined) and Tier 1 capital (as defined) to net average assets (as defined). The risk-based capital guidelines include both a definition of capital and a framework for calculating risk-weighted assets by assigning balance sheet assets and off-balance sheet assets to broad risk categories. In 2019, a final rule adopted by the federal banking agencies provided banking organizations with the option to phase in, over a three-year period, the adverse day-one regulatory capital effects of the adoption of the CECL accounting standard. In 2020, as part of its response to the impact of COVID-19, U.S. federal banking regulatory agencies issued a final rule which provides banking organizations that implement CECL during the 2020 calendar year the option to delay for two years an estimate of CECL’s effect on regulatory capital, relative to the incurred loss methodology’s effect on regulatory capital, followed by a three-year transition period, which the Association and Company have adopted. During the two-year delay, the Association and Company added back to CET1 100% of the initial adoption impact of CECL plus 25% of the cumulative quarterly changes in the allowance for credit losses. Beginning this fiscal year, the cumulative transitional amounts became fixed and will be phased out of CET1 capital over the subsequent three-year period. At September 30, 2023, the Association exceeded all regulatory capital requirements and is considered “well capita lized” under regulatory guidelines. The Association operates under the capital requirements for the standardized approach of the Basel III capital framework for U.S. banking organizations (“Basel III Rules”), which limits capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% in addition to the minimum capital requirements. At September 30, 2023, the Association exceeded the fully phased-in regulatory requirement for the "capital conservation buffer". The following table summarizes the actual capital amounts and ratios of the Association as of September 30, 2023 and 2022, compared to the minimum capital adequacy requirements and the requirements for classification as a well capitalized institution. Minimum Requirements Actual For Capital To be “Well Capitalized” Amount Ratio Amount Ratio Amount Ratio September 30, 2023 Total Capital to Risk-Weighted Assets $ 1,709,596 17.87 % $ 765,410 8.00 % $ 956,762 10.00 % Tier 1 (Leverage) Capital to Net Average Assets 1,640,657 9.82 % 667,958 4.00 % 834,948 5.00 % Tier 1 Capital to Risk-Weighted Assets 1,640,657 17.15 % 574,057 6.00 % 765,410 8.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,640,657 17.15 % 430,543 4.50 % 621,896 6.50 % September 30, 2022 Total Capital to Risk-Weighted Assets $ 1,666,677 18.84 % $ 707,788 8.00 % $ 884,734 10.00 % Tier 1 (Leverage) Capital to Net Average Assets 1,614,615 10.33 % 625,020 4.00 % 781,275 5.00 % Tier 1 Capital to Risk-Weighted Assets 1,614,615 18.25 % 530,841 6.00 % 707,788 8.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,614,615 18.25 % 398,130 4.50 % 575,077 6.50 % The Association paid dividends of $40,000 and $56,000 to the Company during the fiscal years ended September 30, 2023 and 2022, respectively.

Investment Securities

Investment Securities	12 Months Ended
	Sep. 30, 2023
Investments [Abstract]
Investment Securities	INVESTMENT SECURITIES Available-for-sale securities are summarized in the tables below. September 30, 2023 Amortized Gross Fair Gains Losses REMICs $ 495,874 $ — $ (52,867) $ 443,007 Fannie Mae certificates 834 1 (21) 814 Freddie Mac certificates 1,141 — (97) 1,044 U.S. Government and agency obligations 63,866 — (407) 63,459 Total $ 561,715 $ 1 $ (53,392) $ 508,324 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 At September 30, 2023, and September 30, 2022, investment securities included $59,813 and $0, respectively, of U.S. government obligations pledged as collateral on our open swap positions to meet requirements established by the clearing organization. Accrued interest on investment securities is $1,907 and $1,122 at September 30, 2023, and September 30, 2022, respectively, and is reported in accrued interest receivable on the CONSOLIDATED STATEMENTS OF CONDITION . The following is a summary of our securities portfolio by remaining period to contractual maturity and yield at September 30, 2023. 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. September 30, 2023 September 30, 2022 Amortized Cost Fair Value Weighted Average Yield Amortized Cost Fair Value Weighted Average Yield Due in one year or less $ 59,948 $ 59,936 5.13 % $ — $ — — % Due after one to five years 10,529 9,929 2.00 % 15,476 14,775 2.06 % Due after five to 10 years 31,372 29,381 2.42 % 38,927 37,204 2.30 % 10 years or greater 459,866 409,078 2.82 % 447,194 405,929 2.25 % Total $ 561,715 $ 508,324 3.03 % $ 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 unrealized loss position, at September 30, 2023 and 2022, were as follows: September 30, 2023 Less Than 12 Months 12 Months or More Total Estimated Unrealized Estimated Unrealized Estimated Unrealized Available for sale— REMICs $ 80,452 $ 1,749 $ 362,555 $ 51,118 $ 443,007 $ 52,867 Fannie Mae certificates 578 21 — — 578 21 Freddie Mac certificates 1,045 97 — — 1,045 97 U.S. Government and agency obligations 59,813 11 3,646 396 63,459 407 Total $ 141,888 $ 1,878 $ 366,201 $ 51,514 $ 508,089 $ 53,392 September 30, 2022 Less Than 12 Months 12 Months or More Total Estimated Unrealized Estimated Unrealized Estimated Unrealized Available for sale— REMICs $ 261,795 $ 17,260 $ 190,739 $ 26,002 $ 452,534 $ 43,262 Fannie Mae certificates 217 4 — — 217 4 U.S. Government and agency obligations 3,619 438 — — 3,619 438 Total $ 265,631 $ 17,702 $ 190,739 $ 26,002 $ 456,370 $ 43,704 The unrealized losses on investment securities were primarily attributable to an increase in market interest rates. The investment portfolio is comprised entirely of securities issued by U.S. government entities and agencies, which support the expectation of zero, other than temporary, loss estimates since principal and interest payments due on these securities carry the full faith and credit guaranty of the U.S. government. In addition, the U.S. Treasury Department established financing agreements in 2008 to ensure Fannie Mae and Freddie Mac meet their obligations to holders of mortgage-backed securities that they have issued or guaranteed. Since the decline in value is primarily attributable to an increase in 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 prior to recovery of the amortized cost, the Company did not record an allowance for credit losses as of September 30, 2023.

Loans And Allowance For Loan Lo

Loans And Allowance For Loan Losses	12 Months Ended
	Sep. 30, 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: September 30, September 30, 2023 2022 Real estate loans: Residential Core $ 12,078,158 $ 11,539,859 Residential Home Today 46,508 53,255 Home equity loans and lines of credit 3,030,526 2,633,878 Construction 48,406 121,759 Real estate loans 15,203,598 14,348,751 Other loans 4,411 3,263 Add (deduct): Deferred loan expenses, net 60,807 50,221 Loans-in-process (25,754) (72,273) Allowance for credit losses on loans (77,315) (72,895) Loans held for investment, net $ 15,165,747 $ 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 $51,989 and $39,124 as of September 30, 2023 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 September 30, 2023, 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 September 30, 2023 and September 30, 2022, home equity loans and lines of credit were concentrated in the states of Ohio (26% and 27%, respectively), Florida (22% 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 $4,760,843 and $4,668,089 at September 30, 2023 and September 30, 2022, respectively. Home Today was an affordable housing program targeted to benefit low- and moderate-income home buyers. Most loans under the program were originated prior to 2009. No new loans were originated under the Home Today program after September 30, 2016. Home Today loans have greater credit risk than traditional residential real estate mortgage loans. Home equity loans and lines of credit, which are comprised primarily of home equity lines of credit, represent a significant portion of the residential real estate portfolio and include monthly principal and interest payments throughout the entire term. Once the draw period on lines of credit has expired, the accounts are included in the home equity loan balance. The full credit exposure on home equity lines of credit is secured by the value of the collateral real estate at the time of origination. The Company originates construction loans to individuals for the construction of their personal single-family residence by a qualified builder (construction/permanent loans). The Company’s construction/permanent loans generally provide for disbursements to the builder or sub-contractors during the construction phase as work progresses. During the construction phase, the borrower only pays interest on the drawn balance. Upon completion of construction, the loan converts to a permanent amortizing loan without the expense of a second closing. 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 or purchased 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 or purchased within the parameters of programs established by Fannie Mae. During the years ended September 30, 2023 and September 30, 2022, reclassifications to the held for sale portfolio included loans that were sold during the period, including those in contracts pending settlement at the end of the period, and loans originated for the held for investment portfolio that were later identified for sale. At September 30, 2023 and September 30, 2022, mortgage loans held for sale totaled $3,260 and $9,661, respectively. During the years ended September 30, 2023 and September 30, 2022, the principal balance of loans sold was $77,205 and $128,118, respectively. During the years ended September 30, 2023 and September 30, 2022, the amortized cost of loans classified as held for sale that were subsequently transferred to the held for investment portfolio was $8,433 and $22,741, respectively. These transfers were due to changes in market pricing, affected by the rise in long-term interest rates, and managements' intent to hold the loans in portfolio until maturity for the foreseeable future. During the year ended September 30, 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 September 30, 2023 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 Days 60-89 Days 90 Days Total Past Current Total September 30, 2023 Real estate loans: Residential Core $ 3,680 $ 1,763 $ 8,268 $ 13,711 $ 12,089,228 $ 12,102,939 Residential Home Today 666 323 855 1,844 44,186 46,030 Home equity loans and lines of credit 3,271 690 3,876 7,837 3,059,444 3,067,281 Construction — — — — 22,401 22,401 Total real estate loans 7,617 2,776 12,999 23,392 15,215,259 15,238,651 Other loans — — — — 4,411 4,411 Total $ 7,617 $ 2,776 $ 12,999 $ 23,392 $ 15,219,670 $ 15,243,062 30-59 60-89 90 Days Total Past Current Total September 30, 2022 Real estate loans: Residential Core $ 2,725 $ 1,491 $ 9,281 $ 13,497 $ 11,545,784 $ 11,559,281 Residential Home Today 1,341 770 861 2,972 49,836 52,808 Home equity loans and lines of credit 1,599 796 2,321 4,716 2,661,416 2,666,132 Construction — — — — 48,478 48,478 Total real estate loans 5,665 3,057 12,463 21,185 14,305,514 14,326,699 Other loans — — — — 3,263 3,263 Total $ 5,665 $ 3,057 $ 12,463 $ 21,185 $ 14,308,777 $ 14,329,962 Loans are placed in non-accrual status when they are contractually 90 days or more past due. The number of days past due is determined by the number of scheduled payments that remain unpaid, assuming a period of 30 days between each scheduled payment. Loans with a partial charge-off are placed in non-accrual and will remain in non-accrual status until, at a minimum, the loss is recovered. Loans restructured in TDRs that were in non-accrual status prior to the restructurings and loans with forbearance plans that were subsequently modified are reported in non-accrual status for a minimum of six months after restructuring. Loans restructured in TDRs with a high debt-to-income ratio at the time of modification are placed in non-accrual status for a minimum of 12 months. Additionally, home equity loans and lines of credit where the customer has a severely delinquent first mortgage loan and loans in Chapter 7 bankruptcy status where all borrowers have filed, and not reaffirmed or been dismissed, are placed in non-accrual status. The amortized cost of loan receivables in non-accrual status is summarized in the following table. Non-accrual with no ACL describes non-accrual loans which have no quantitative or individual valuation allowance, primarily because they have already been collaterally reviewed and any required charge-offs have been taken, but may be included in consideration of qualitative allowance factors. Balances are adjusted for deferred loan fees and expenses. There are no loans 90 or more days past due and still accruing at September 30, 2023 or September 30, 2022. September 30, 2023 September 30, 2022 Non-accrual with No ACL Total Non-accrual with No ACL Total Real estate loans: Residential Core $ 15,691 $ 19,414 $ 20,995 $ 22,644 Residential Home Today 4,511 4,623 5,753 6,037 Home equity loans and lines of credit 7,035 7,877 6,668 6,925 Total non-accrual loans $ 27,237 $ 31,914 $ 33,416 $ 35,606 At September 30, 2023 and September 30, 2022, the amortized cost in non-accrual loans includes $18,915 and $23,159, respectively, which are performing according to the terms of their agreement, of which $11,508 and $13,526, respectively, are loans in Chapter 7 bankruptcy status, primarily where all borrowers have filed, and have not reaffirmed or been dismissed. At September 30, 2023 and September 30, 2022, real estate loans include $9,144 and $9,833, respectively, of loans that are 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 $663 and $740 for the years ended September 30, 2023 and September 30, 2022, respectively. Cash payments on loans with a partial charge-off are applied fully to principal, then to recovery of the charged off amount prior to interest income being recognized, except cash payments may be applied to interest capitalized in a restructuring when collection of remaining amounts due is considered probable. A non-accrual loan is generally returned to accrual status when contractual payments are less than 90 days past due. However, a loan may remain in non-accrual status when collectability is uncertain, such as a TDR that has not met minimum payment requirements, a loan with a partial charge-off, a home equity loan or line of credit with a delinquent first mortgage greater than 90 days past due, or a loan in Chapter 7 bankruptcy status where all borrowers have filed, and have not reaffirmed or been dismissed. ALLOWANCE FOR CREDIT LOSSES For all classes of loans, a loan is considered collateral-dependent when, based on current information and events, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale of the collateral or foreclosure is probable. Factors considered in determining that a loan is collateral-dependent may include the deteriorating financial condition of the borrower indicated by missed or delinquent payments, a pending legal action, such as bankruptcy or foreclosure, or the absence of adequate security for the loan. Charge-offs on residential mortgage loans, home equity loans and lines of credit, and construction loans are recognized when triggering events, such as foreclosure actions, short sales, or deeds accepted in lieu of repayment, result in less than full repayment of the amortized cost in the loans. Partial or full charge-offs are also recognized for the amount of credit losses on loans considered collateral-dependent when the borrower is experiencing financial difficulty as described by meeting the conditions below. • For residential mortgage loans, payments are greater than 180 days delinquent; • For home equity loans and lines of credit, and residential loans restructured in a TDR, payments are greater than 90 days delinquent; • For all classes of loans 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 September 30, 2023 and September 30, 2022, allowances on individually reviewed TDRs (IVAs), evaluated for credit losses based on the present value of cash flows were $9,546 and $10,284, respectively. 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 September 30, 2023 was a net reduction of $13,425, compared to a net reduction of $7,085 at September 30, 2022. Adjustments are evaluated quarterly based on current facts and circumstances. Activity in the allowance for credit losses by portfolio segment is summarized as follows. See Note 15. COMMITMENTS AND CONTINGENT LIABILITIES for further details on the allowance for unfunded commitments. For the Year Ended September 30, 2023 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 53,506 $ 1,000 $ (257) $ 1,126 $ 55,375 Residential Home Today (997) (2,370) (320) 2,451 (1,236) Home equity loans and lines of credit 20,032 (399) (665) 4,079 23,047 Construction 354 (225) — — 129 Total real estate loans $ 72,895 $ (1,994) $ (1,242) $ 7,656 $ 77,315 Total Unfunded Loan Commitments (1) $ 27,021 $ 494 $ — $ — $ 27,515 Total Allowance for Credit Losses $ 99,916 $ (1,500) $ (1,242) $ 7,656 $ 104,830 For the Year Ended September 30, 2022 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 44,523 $ 6,298 $ (247) $ 2,932 $ 53,506 Residential Home Today 15 (3,411) (249) 2,648 (997) Home equity loans and lines of credit 19,454 (3,820) (954) 5,352 20,032 Construction 297 (118) — 175 354 Total real estate loans $ 64,289 $ (1,051) $ (1,450) $ 11,107 $ 72,895 Total Unfunded Loan Commitments (1) $ 24,970 $ 2,051 $ — $ — $ 27,021 Total Allowance for Credit Losses $ 89,259 $ 1,000 $ (1,450) $ 11,107 $ 99,916 (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 all construction loans are classified Pass for both periods presented. Balances are adjusted for deferred loan fees and expenses and any applicable loans-in-process. Revolving Loans Revolving Loans By fiscal year of origination Amortized Converted 2023 2022 2021 2020 2019 Prior Cost Basis To Term Total September 30, 2023 Real estate loans: Residential Core Pass $ 1,667,029 $ 3,169,609 $ 2,054,744 $ 1,342,854 $ 563,955 $ 3,275,978 $ — $ — $ 12,074,169 Special Mention — — 612 — 106 1,025 — — 1,743 Substandard 185 823 1,285 1,806 721 22,207 — — 27,027 Total Residential Core 1,667,214 3,170,432 2,056,641 1,344,660 564,782 3,299,210 — — 12,102,939 Residential Home Today (1) Pass — — — — — 40,335 — — 40,335 Substandard — — — — — 5,695 — — 5,695 Total Residential Home Today — — — — — 46,030 — — 46,030 Home equity loans and lines of credit Pass 210,131 72,229 23,989 6,965 6,192 13,704 2,657,028 63,399 3,053,637 Special Mention — 129 — 52 32 102 2,830 370 3,515 Substandard — — 140 96 — 120 4,849 4,924 10,129 Total Home equity loans and lines of credit 210,131 72,358 24,129 7,113 6,224 13,926 2,664,707 68,693 3,067,281 Total Construction 11,646 10,755 — — — — — — 22,401 Total real estate loans Pass 1,888,806 3,252,593 2,078,733 1,349,819 570,147 3,330,017 2,657,028 63,399 15,190,542 Special Mention — 129 612 52 138 1,127 2,830 370 5,258 Substandard 185 823 1,425 1,902 721 28,022 4,849 4,924 42,851 Total real estate loans $ 1,888,991 $ 3,253,545 $ 2,080,770 $ 1,351,773 $ 571,006 $ 3,359,166 $ 2,664,707 $ 68,693 $ 15,238,651 (1) No new originations of Home Today loans since fiscal 2016. Revolving Loans Revolving Loans By fiscal year of origination Amortized Converted 2022 2021 2020 2019 2018 Prior Cost Basis To Term Total September 30, 2022 Real estate loans: Residential Core Pass $ 3,349,200 $ 2,251,075 $ 1,488,763 $ 629,090 $ 665,116 $ 3,141,907 $ — $ — $ 11,525,151 Special Mention — 292 — 108 464 816 — — 1,680 Substandard — 1,195 3,188 1,142 1,883 25,042 — — 32,450 Total Residential Core 3,349,200 2,252,562 1,491,951 630,340 667,463 3,167,765 — — 11,559,281 Residential Home Today (1) Pass — — — — — 45,408 — — 45,408 Substandard — — — — — 7,400 — — 7,400 Total Residential Home Today — — — — — 52,808 — — 52,808 Home equity loans and lines of credit Pass 98,904 30,614 9,204 8,036 6,965 11,247 2,400,095 89,448 2,654,513 Special Mention — 191 — — — — 898 640 1,729 Substandard — — 54 20 19 127 2,996 6,674 9,890 Total Home equity loans and lines of credit 98,904 30,805 9,258 8,056 6,984 11,374 2,403,989 96,762 2,666,132 Total Construction 37,810 10,668 — — — — — — 48,478 Total real estate loans Pass 3,485,914 2,292,357 1,497,967 637,126 672,081 3,198,562 2,400,095 89,448 14,273,550 Special Mention — 483 — 108 464 816 898 640 3,409 Substandard — 1,195 3,242 1,162 1,902 32,569 2,996 6,674 49,740 Total real estate loans $ 3,485,914 $ 2,294,035 $ 1,501,209 $ 638,396 $ 674,447 $ 3,231,947 $ 2,403,989 $ 96,762 $ 14,326,699 (1) No new originations of Home Today loans since fiscal 2016. The home equity lines of credit converted from revolving to term loans during the years ended September 30, 2023 and September 30, 2022, totaled $2,492 and $436, respectively. 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 Residential loans are internally assigned a grade that complies with the guidelines outlined in the OCC’s Handbook for Rating Credit Risk. Pass loans are assets well protected by the current paying capacity of the borrower. Special Mention loans have a potential weakness, as evaluated based on delinquency status or nature of the product, that the Company deems to deserve management’s attention and may result in further deterioration in their repayment prospects and/or the Company’s credit position. Substandard loans are inadequately protected by the current payment capacity of the borrower or the collateral pledged with a defined weakness that jeopardizes the liquidation of the debt. Also included in Substandard are performing home equity loans and lines of credit where the customer has a severely delinquent first mortgage to which the performing home equity loan or line of credit is subordinate and all loans in Chapter 7 bankruptcy status where all borrowers have filed, and have not reaffirmed or been dismissed. Loss loans are considered uncollectible and are charged-off when identified. Loss loans are of such little value that their continuance as bankable assets is not warranted even though partial recovery may be effected in the future. At September 30, 2023 and September 30, 2022, respectively, $73,172 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 September 30, 2023 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, capitalization of delinquent amounts, forbearance or other actions. Some TDRs have experienced a combination of concessions. TDRs also may occur as a result of bankruptcy proceedings. Loans discharged in Chapter 7 bankruptcy are classified as multiple restructurings if the loan's original terms had also been restructured by the Company. The amortized cost in TDRs by category as of September 30, 2023 and September 30, 2022 is shown in the tables below. September 30, 2023 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 28,546 $ 15,730 $ 9,577 $ 53,853 Residential Home Today 9,390 10,114 1,691 21,195 Home equity loans and lines of credit 21,063 2,460 879 24,402 Total $ 58,999 $ 28,304 $ 12,147 $ 99,450 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 years ended September 30, 2023 and September 30, 2022 (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 Year Ended September 30, 2023 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 2,866 $ 1,784 $ 1,037 $ 5,687 Residential Home Today 356 342 31 729 Home equity loans and lines of credit 1,289 233 1 1,523 Total $ 4,511 $ 2,359 $ 1,069 $ 7,939 For the Year Ended September 30, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 3,823 $ 1,533 $ 1,142 $ 6,498 Residential Home Today 202 1,071 45 1,318 Home equity loans and lines of credit 510 175 163 848 Total $ 4,535 $ 2,779 $ 1,350 $ 8,664 For the Year Ended September 30, 2021 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 9,364 $ 1,981 $ 1,614 $ 12,959 Residential Home Today 362 1,432 103 1,897 Home equity loans and lines of credit 1,466 1,223 417 3,106 Total $ 11,192 $ 4,636 $ 2,134 $ 17,962 The table below summarizes information about TDRs restructured within 12 months of the period presented for which there was a subsequent payment default (at least 30 days past due on one scheduled payment) during the periods presented. For the Year Ended September 30, 2023 For the Year Ended September 30, 2022 For the Year Ended September 30, 2021 TDRs That Subsequently Defaulted Number of Recorded Number of Recorded Number of Recorded Residential Core 6 $ 575 5 $ 780 6 $ 948 Residential Home Today 5 207 5 90 7 194 Home equity loans and lines of credit 1 46 2 108 1 42 Total 12 $ 828 12 $ 978 14 $ 1,184

Mortgage Loan Servicing Rights

Mortgage Loan Servicing Rights	12 Months Ended
	Sep. 30, 2023
Disclosures Pertaining to Servicing Assets and Servicing Liabilities [Abstract]
Mortgage Loan Servicing Assets	MORTGAGE LOAN SERVICING RIGHTS The Company sells certain types of loans through whole loan sales and through securitizations. In each case, the Company retains a servicing interest in the loans or securitized loans. Certain assumptions and estimates are used to determine the fair value allocated to these retained interests at the date of transfer and at subsequent measurement dates. These assumptions and estimates include loan repayment rates and discount rates. Changes in interest rates can affect the average life of loans and mortgage-backed securities and the related servicing rights. A reduction in interest rates normally results in increased prepayments, as borrowers refinance their debt in order to reduce their borrowing costs. This creates reinvestment risk, which is the risk that the Company may not be able to reinvest the proceeds of loan and securities prepayments at rates that are comparable to the rates earned on the loans or securities prior to receipt of the repayment. During 2023, 2022 and 2021, $77,206, $128,118 and $796,512, respectively, of mortgage loans were securitized and/or sold including accrued interest thereon. In these transactions, the Company retained residual interests in the form of mortgage loan servicing rights. Primary economic assumptions used to measure the value of the Company’s retained interests at the date of sale resulting from the completed transactions were as follows (per annum): 2023 2022 Primary prepayment speed assumptions (weighted average annual rate) 17.6 % 11.9 % Weighted average life (years) 25.3 24.1 Amortized cost to service loans (weighted average) 0.12 % 0.12 % Weighted average discount rate 12 % 12 % Key economic assumptions and the sensitivity of the current fair value of mortgage loan servicing rights to immediate 10% and 20% adverse changes in those assumptions are as presented in the following table. The three key economic assumptions that impact the valuation of the mortgage loan servicing rights are: (1) the prepayment speed, or how long the mortgage servicing right will be outstanding; (2) the estimate of servicing costs that will be incurred in fulfilling the mortgage servicing right responsibilities; and (3) the discount factor applied to future net cash flows to convert them to present value. The Company established these factors based on independent analysis of our portfolio and reviews these assumptions periodically to ensure that they reasonably reflect current market conditions and our loan portfolio experience. September 30, 2023 Fair value of mortgage loan servicing rights $ 15,916 Prepayment speed assumptions (weighted average annual rate) 9.4 % Impact on fair value of 10% adverse change $ (629) Impact on fair value of 20% adverse change $ (1,180) Estimated prospective annual cost to service loans (weighted average) 0.12 % Impact on fair value of 10% adverse change $ (1,446) Impact on fair value of 20% adverse change $ (2,869) Discount rate 12.0 % Impact on fair value of 10% adverse change $ (590) Impact on fair value of 20% adverse change $ (1,114) These sensitivities are hypothetical and should be used with caution. As indicated in the table above, changes in fair value based on a 10% variation in assumptions generally cannot be extrapolated because the relationship in the change in assumption to the change in fair value may not be linear. Also, the effect of a variation in a particular assumption on the fair value of the retained interest is calculated without changing any other assumption. In reality, changes in one factor may result in changes in another (for example, increases in market interest rates may result in lower prepayments), which could magnify or counteract the sensitivities. Servicing rights are evaluated periodically for impairment based on the fair value of those rights. Twenty-one risk tranches are used in evaluating servicing rights for impairment, segregated primarily by interest rate stratum within original term to maturity categories with additional strata for less uniform account types. Activity in mortgage servicing rights is summarized as follows: Year Ended September 30, 2023 2022 2021 Balance—beginning of year $ 7,943 $ 8,941 $ 7,860 Additions from loan securitizations/sales 322 657 3,836 Amortization (1) (865) (1,655) (2,764) Net change in valuation allowance — — 9 Balance—end of year $ 7,400 $ 7,943 $ 8,941 Fair value of capitalized amounts $ 15,916 $ 15,288 $ 17,454 (1) Year ended September 30, 2021, amounts include $199 related to the repurchase of loans previously sold and serviced by the Company. The Company receives annual servicing fees ranging from 0.02% to 0.84% of the outstanding loan balances. Servicing income, net of amortization of capitalized servicing rights, included in non-interest income, amounted to $4,516 in 2023, $4,251 in 2022 and $3,260 in 2021. The unpaid principal balance of mortgage loans serviced for others was approximately $1,933,249, $2,051,110 and $2,262,875 at September 30, 2023, 2022 and 2021, respectively. The ratio of capitalized servicing rights to the unpaid principal balance of mortgage loans serviced for others was 0.38%, 0.39%, and 0.40% at September 30, 2023, 2022 and 2021, respectively.

Premises, Equipment And Softwar

Premises, Equipment And Software, Net	12 Months Ended
	Sep. 30, 2023
Property, Plant and Equipment, Net [Abstract]
Premises, Equipment And Software, Net	PREMISES, EQUIPMENT AND SOFTWARE, NET Premises, equipment and software at cost are summarized as follows: September 30, 2023 2022 Land $ 8,610 $ 8,610 Office buildings 62,090 61,312 Furniture, fixtures and equipment 40,634 39,899 Software 21,591 20,048 Leasehold improvements 11,018 11,071 143,943 140,940 Less: accumulated depreciation and amortization (109,235) (106,409) Total $ 34,708 $ 34,531

Leases

Leases	12 Months Ended
	Sep. 30, 2023
Leases [Abstract]
Leases	LEASES As a lessee, the Company enters into operating leases of buildings and land. The Company occupies certain banking branches, loan production and customer service offices and a disaster recovery site through non-cancellable operating leases with remaining terms from less than one Operating lease expense for the years ended September 30, 2023 and 2022, totaled $5,573 and $5,576, respectively. Variable lease expense for the years ended September 30, 2023 and 2022, totaled $1,514 and $1,479, respectively. During the years ended September 30, 2023 and 2022, the Company paid $5,556 and $5,572, respectively, in cash for amounts included in the measurement of lease liabilities. As of September 30, 2023 and 2022, the Company has not entered into any material leases that have not yet commenced. The following table summarizes information relating to the Company's operating leases: September 30, 2023 2022 Right-of-use assets (a) $ 37,517 $ 30,189 Lease liabilities (b) $ 18,209 $ 15,775 Weighted Average Remaining Lease Term 5.10 years 5.06 years Weighted Average Discount Rate 2.44% 1.49% (a) Included in Other assets in the CONSOLIDATED STATEMENTS OF CONDITION (b) Included in Accrued expenses and other liabilities in the CONSOLIDATED STATEMENTS OF CONDITION The following table summarizes the maturities of lease liabilities at the periods presented: September 30, 2023 2022 Maturing in: 12 months or less $ 5,478 $ 4,953 13 to 24 months 4,763 3,903 25 to 36 months 3,288 3,044 37 to 48 months 2,067 1,810 49 to 60 months 1,347 591 over 60 months 2,577 2,230 Total minimum lease payments 19,520 16,531 Less imputed interest 1,311 756 Total lease liabilities $ 18,209 $ 15,775

Deposits

Deposits	12 Months Ended
	Sep. 30, 2023
Deposits [Abstract]
Deposit Liabilities Disclosures	DEPOSITS Deposit account balances are summarized by interest rate as follows: Stated September 30, 2023 2022 Amount Percent Amount Percent Checking accounts 0.00–1.00% $ 983,396 10.4 % $ 1,210,035 13.6 % Savings accounts, excluding money market accounts 0.00–4.22 1,460,601 15.5 1,364,821 15.3 Money market accounts 0.00–3.93 346,479 3.7 481,650 5.4 Subtotal 2,790,476 29.6 3,056,506 34.3 Certificates of deposit 0.00–0.99 981,728 10.4 3,157,495 35.4 1.00–1.99 685,170 7.2 1,002,227 11.2 2.00–2.99 941,842 10.0 1,320,579 14.8 3.00–3.99 1,173,211 12.4 378,587 4.2 4.00–4.99 1,346,720 14.3 3,386 0.1 5.00 and above 1,520,311 16.1 — — 6,648,982 70.4 5,862,274 65.7 Subtotal 9,439,458 100.0 8,918,780 100.0 Accrued interest 10,362 — 2,237 — Total deposits $ 9,449,820 100.0 % $ 8,921,017 100.0 % At September 30, 2023 and 2022, the weighted average interest rate was 0.05% and 0.81% on checking accounts; 1.49% and 0.79% on savings accounts; 2.62% and 0.95% on money market accounts; 3.47% and 1.37% on certificates of deposit, respectively; and 2.77% and 1.18% on total deposits, respectively. The aggregate amount of CD's in denominations of $250 or more was $845,375 and $733,301 at September 30, 2023 and 2022, respectively. In accordance with the DFA, the maximum amount of deposit insurance is $250 per depositor. Brokered CD's (exclusive of acquisition costs and subsequent amortization), which are used as an additional funding alternative, totaled $1,162,601 and $575,236 at September 30, 2023 and 2022, respectively. The FDIC places restrictions on banks with regard to issuing brokered deposits based on the bank's capital classification. As a well-capitalized institution at September 30, 2023 and September 30, 2022, the Association may accept brokered deposits without FDIC restrictions. The scheduled maturity of certificates of deposit is as follows: September 30, 2023 Amount Percent Weighted 12 months or less $ 3,419,349 51.4 % 3.46 % 13 to 24 months 764,512 11.5 % 2.01 % 25 to 36 months 1,506,491 22.7 % 4.07 % 37 to 48 months 501,945 7.5 % 2.92 % 49 to 60 months 440,012 6.6 % 4.22 % Over 60 months 16,673 0.3 % 1.72 % Total $ 6,648,982 100.0 % 3.44 % Interest expense on deposits is summarized as follows: Year Ended September 30, 2023 2022 2021 Certificates of deposit $ 143,434 $ 68,204 $ 93,187 Checking accounts 6,081 4,186 1,140 Savings and money market accounts 24,686 4,553 2,992 Total $ 174,201 $ 76,943 $ 97,319

Borrowed Funds

Borrowed Funds	12 Months Ended
	Sep. 30, 2023
Debt Disclosure [Abstract]
Borrowed Funds	BORROWED FUNDS At September 30, 2023, the Association had a maximum borrowing capacity of $7,344,253, of which $5,273,637 was outstanding. Borrowings from the FHLB of Cincinnati are secured by the Association’s investment in the common stock of the FHLB of Cincinnati, as well as by a blanket pledge of its mortgage portfolio not otherwise pledged. The Association also has the ability to purchase Fed Funds through arrangements with other institutions. Finally, the ability to borrow from the FRB-Cleveland Discount Window is available to the Association and is secured by a pledge of specific loans in the Association’s mortgage portfolio. Total borrowings at September 30, 2023 are summarized in the table below: Borrowing Capacity Borrowings Available Borrowings Outstanding FHLB $ 6,632,811 $ 1,381,951 $ 5,250,860 FRB Cleveland 126,442 126,442 — Fed Funds purchased 585,000 585,000 — Subtotal $ 7,344,253 $ 2,093,393 5,250,860 Accrued interest 22,777 Total borrowings $ 5,273,637 Maturities of borrowings at September 30, 2023 are summarized in the table below: Amount Weighted Average Rate Maturing in: 12 months or less $ 1,417,000 3.19 % 13 to 24 months 700,000 2.26 % 25 to 36 months 775,548 2.74 % 37 to 48 months 725,000 2.90 % 49 to 60 months 577,273 3.80 % over 60 months 1,056,039 3.36 % Total advances $ 5,250,860 3.06 % Accrued interest 22,777 Total $ 5,273,637 All borrowings have fixed rates during their term ranging up to 240 months. Interest is payable monthly for long-term advances and at maturity for FHLB three-month advances and overnight advances. The table above reflects the effective maturities and fixed interest rates of the $3,150,000 of short-term FHLB advances that are tied to interest rate swaps discussed in Note 17. DERIVATIVE INSTRUMENTS.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	12 Months Ended
	Sep. 30, 2023
Equity [Abstract]
Other Comprehensive Income (Loss)	OTHER COMPREHENSIVE INCOME (LOSS) The change in AOCI by component is as follows: Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Fiscal year 2021 activity Balance at September 30, 2020 $ 4,694 $ (114,306) $ (22,353) $ (131,965) Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $8,656 (3,733) 20,914 9,937 27,118 Amounts reclassified, net of tax expense (benefit) of $9,907 — 35,182 1,864 37,046 Other comprehensive income (loss) (3,733) 56,096 11,801 64,164 Balance at September 30, 2021 $ 961 $ (58,210) $ (10,552) $ (67,801) Fiscal year 2022 activity Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $21,242 (34,860) 109,452 (1,665) 72,927 Amounts reclassified, net of tax expense (benefit) of $5,212 — 17,641 382 18,023 Other comprehensive income (loss) (34,860) 127,093 (1,283) 90,950 Balance at September 30, 2022 $ (33,899) $ 68,883 $ (11,835) $ 23,149 Fiscal year 2023 activity Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $31,998 (7,274) 112,851 1,904 107,481 Amounts reclassified, net of tax expense (benefit) of $(13,383) — (46,202) 784 (45,418) Other comprehensive income (loss) (7,274) 66,649 2,688 62,063 Balance at September 30, 2023 $ (41,173) $ 135,532 $ (9,147) $ 85,212 The following table presents the reclassification adjustment out of AOCI included in net income and the corresponding line item on the CONSOLIDATED STATEMENTS OF INCOME for the periods indicated: Details about AOCI Components For the Years Ended September 30, Line Item in the Statement of Income 2023 2022 2021 Cash flow hedges: Interest (income) expense $ (59,821) $ 22,740 $ 44,534 Interest expense Net income tax effect 13,619 (5,099) (9,352) Income tax expense Net of income tax expense (benefit) $ (46,202) $ 17,641 $ 35,182 Amortization of defined benefit plan: Actuarial loss $ 1,020 $ 495 $ 2,419 (a) Net income tax effect (236) (113) (555) Income tax expense Net of income tax expense 784 382 1,864 Total reclassifications for the period $ (45,418) $ 18,023 $ 37,046 (a) These items are included in the computation of net period pension cost. See Note 13. EMPLOYEE BENEFIT PLANS

Income Taxes

Income Taxes	12 Months Ended
	Sep. 30, 2023
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Income Taxes	INCOME TAXES The components of the income tax provision are as follows: Year Ended September 30, 2023 2022 2021 Current tax expense (benefit): Federal $ 13,602 $ 41,812 $ 31,043 State 781 2,553 2,230 Deferred tax expense (benefit): Federal 3,681 (24,691) (13,548) State 53 (2,185) (638) Income tax provision $ 18,117 $ 17,489 $ 19,087 Reconciliation from tax at the federal statutory rate to the income tax provision is as follows: Year Ended September 30, 2023 2022 2021 Tax at statutory rate 21.0 % 21.0 % 21.0 % State tax, net 0.7 0.3 1.3 Non-taxable income from bank owned life insurance contracts (2.1) (2.3) (2.1) Non-deductible compensation 1.0 1.4 0.9 Equity based compensation 0.2 (0.1) (1.3) Employee (Associate) Stock Ownership Plan (1.5) (1.2) (0.8) Other, net 0.1 (0.1) 0.1 Income tax provision 19.4 % 19.0 % 19.1 % Temporary differences between the financial statement carrying amounts and tax basis of assets and liabilities that gave rise to significant portions of net deferred taxes relate to the following: September 30, 2023 2022 Deferred tax assets: Loan loss reserve $ 29,390 $ 27,659 Deferred compensation 4,215 4,198 Lease liability 4,251 3,599 Property, equipment and software basis difference 975 1,413 Other 2,099 2,220 Total deferred tax assets 40,930 39,089 Deferred tax liabilities: FHLB stock basis difference 5,135 5,017 Mortgage servicing rights 1,514 1,551 Pension 2,843 2,119 Goodwill 2,158 2,132 Lease ROU asset 4,160 3,514 Fair value adjustment 20,969 — Deferred loan costs, net of fees 15,005 13,371 Other 2,328 2,219 Total deferred tax liabilities 54,112 29,923 Net deferred tax asset (liability) $ (13,182) $ 9,166 In the accompanying CONSOLIDATED STATEMENTS OF CONDITION the net deferred tax asset or liability is included in Accrued expenses and other liabilities, and Other assets for September 30, 2023 and 2022, respectively. A valuation allowance is established to reduce deferred tax assets if it is more likely than not that the related tax benefits will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. There was no valuation allowance required at September 30, 2023 or 2022. Retained earnings at September 30, 2023 and 2022 included approximately $104,861, for which no provision for federal or state income tax has been made. This amount represents allocations of income during years prior to 1988 to bad debt deductions for tax purposes only. These qualifying and non-qualifying base year reserves and supplemental reserves will be recaptured into income in the event of certain distributions and redemptions. Such recapture would create income for tax purposes only, which would be subject to the then current corporate income tax rate. However, recapture would not occur upon the reorganization, merger, or acquisition of the Association, nor if the Association is merged or liquidated tax-free into a bank or undergoes a charter change. If the Association fails to qualify as a bank or merges into a non-bank entity, these reserves will be recaptured into income. The provisions of Accounting for Uncertainty in Income Taxes, codified within FASB ASC 740 “Income Taxes,” prescribe a recognition threshold and measurement attribute for the financial statement recognition and measurement for a tax position taken or expected to be taken in a tax return. FASB ASC 740 also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. Tax positions must meet a more-likely-than-not recognition threshold in order for the related tax benefit to be recognized or continue to be recognized. As of September 30, 2023 and 2022, the Company had no unrecognized tax benefits. The Company does not anticipate the total amount of unrecognized tax benefits to significantly change within the next twelve months. The Company recognizes interest and penalties on income tax assessments or income tax refunds, where applicable, in the financial statements as a component of its provision for income taxes. The Company recognized $0, $0, and $9 of interest expense or penalties on income tax assessments, and $0, $34, and $116 of interest on income tax refunds related to net operating loss carrybacks during the years ended September 30, 2023, 2022 and 2021, respectively. There was no interest related to income tax assessments accrued at September 30, 2023 or 2022. The Company’s effective income tax rate was 19.4%, 19.0% and 19.1% for the years ended September 30, 2023, 2022 and 2021, respectively. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state and city jurisdictions. With few exceptions, the Company is no longer subject to income tax examinations in its major jurisdictions for tax years prior to 2020. The Company makes certain investments in limited partnerships which invest in affordable housing projects that qualify for the LIHTC. The Company acts as a limited partner in these investments and does not exert control over the operating or financial policies of the partnership. The Company accounts for its interests in LIHTCs using the proportional amortization method. The impact of the Company's investments in tax credit entities on the provision for income taxes was not material for the years ended September 30, 2023, 2022 and 2021.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Sep. 30, 2023
Retirement Benefits [Abstract]
Employee Benefit Plans	EMPLOYEE BENEFIT PLANS Defined Benefit Plan — The Third Federal Savings Retirement Plan (the “Plan”) is a defined benefit pension plan. Effective December 31, 2002, the Plan was amended to limit participation to employees who met the Plan’s eligibility requirements on that date. Effective December 31, 2011, the Plan was amended to freeze future benefit accruals for participants in the Plan. After December 31, 2002, employees not participating in the Plan, upon meeting the applicable eligibility requirements, and those eligible participants who no longer receive service credits under the Plan, participate in a separate tier of the Company’s defined contribution 401(k) Savings Plan. Benefits under the Plan are based on years of service and the employee’s average annual compensation (as defined in the Plan) through December 31, 2011. The funding policy of the Plan is consistent with the funding requirements of U.S. federal and other governmental laws and regulations. During fiscal year 2022, a settlement adjustment was recognized as a result of lump sum payments exceeding the interest costs for the year. There were no settlement adjustments made during fiscal year 2023. The following table sets forth the change in projected benefit obligation for the defined benefit plan: September 30, 2023 2022 Projected benefit obligation at beginning of year $ 65,015 $ 88,276 Interest cost 3,324 2,628 Actuarial (gain) loss and other (3,764) (19,783) Settlement — (4,292) Benefits paid (4,140) (1,814) Projected benefit obligation at end of year $ 60,435 $ 65,015 The following table reconciles the beginning and ending balances of the fair value of Plan assets and presents the funded status of the Plan recognized in the CONSOLIDATED STATEMENTS OF CONDITION at the September 30 measurement dates. There were no employer contributions in the years ending September 30, 2023 and 2022. September 30, 2023 2022 Fair value of plan assets at beginning of year $ 74,042 $ 97,971 Actual return on plan assets 2,481 (17,823) Benefits paid (4,140) (1,814) Settlement — (4,292) Fair value of plan assets at end of year $ 72,383 $ 74,042 Funded status of the plan—asset (liability) $ 11,948 $ 9,027 The components of net periodic cost recognized in other non-interest expense in the CONSOLIDATED STATEMENTS OF INCOME are as follows: Year Ended September 30, 2023 2022 2021 Interest Cost $ 3,324 $ 2,628 $ 2,536 Expected return on plan assets (3,872) (4,987) (4,997) Amortization of net loss and other 1,020 576 1,466 Recognized net loss due to settlement — 882 792 Net periodic benefit (income) cost $ 472 $ (901) $ (203) There were no contributions, required minimum or voluntary, made during the fiscal year ended September 30, 2023. As of September 30, 2023, the Plan had $0 invested in pooled separate accounts due to the Plan moving to an LDI strategy. The LDI strategy derisks the Plan by allocating more to long-duration, fixed income assets. The Plan's target asset allocation is now 80% in LDI fixed income and 20% in equity. At September 30, 2022, $43.8 million were invested in pooled separate accounts with a redemption notice of 7 days. The following table summarizes Plan assets measured at fair value on a recurring basis as of September 30, 2023 and 2022. See FN 16. FAIR VALUE for more information on how our fair value hierarchy is evaluated: Recurring Fair Value Measurements at Reporting Date Using September 30, 2023 Total Fair Value Quoted Prices in Significant Other Significant Cash equivalents $ 1,001 $ 1,001 $ — $ — Fixed income: U.S. government obligations 2,550 2,550 — — Corporate debt securities 42,573 — 42,573 — Government strips 8,617 — 8,617 — Total fixed income 53,740 2,550 51,190 — Mutual equity funds 15,791 15,791 — — Total (1) $ 70,532 $ 19,342 $ 51,190 $ — (1) Plan assets measured at fair value on a recurring basis excludes approximately $1,851 of unsettled security transactions. Recurring Fair Value Measurements at Reporting Date Using September 30, 2022 Total Fair Value Quoted Prices in Significant Other Significant Mutual equity funds $ 30,271 $ 30,271 $ — $ — Total $ 30,271 $ 30,271 $ — $ — There are no redemption restrictions on Plan assets at September 30, 2023. Redemptions may be deferred for a longer period if conditions do not permit an orderly transfer or for certain investments of an illiquid nature. The following additional information is provided with respect to the Plan: September 30, 2023 2022 2021 Assumptions and dates used to determine benefit obligations: Discount rate 5.75 % 5.35 % 2.85 % Rate of compensation increase n/a n/a n/a Assumptions used to determine net periodic benefit cost: Discount rate 5.35 % 4.60 % 2.80 % Long-term rate of return on plan assets 5.50 % 5.50 % 5.50 % Rate of compensation increase (graded scale) n/a n/a n/a The expected long-term return on plan assets assumption was developed as a weighted average rate based on the target asset allocation of the Plan and the Long-Term Capital Market Assumptions for the corresponding fiscal year end. Management evaluates the historical performance of the various asset categories, as well as current expectations in determining the adequacy of the assumed rates of return in meeting Plan obligations. If warranted, the assumption is modified. The following table provides estimates of expected future benefit payments during each of the next five fiscal years, as well as in the aggregate for years six through 10. Additionally, the table includes the minimum employer contributions expected during the next fiscal year: Expected Benefit Payments During the Fiscal Years Ending September 30: 2024 $ 5,870 2025 3,890 2026 4,060 2027 4,260 2028 4,210 Aggregate expected benefit payments during the five fiscal year period beginning October 1, 2028, and ending September 30, 2033 23,330 Minimum employer contributions expected to be paid during the fiscal year ending September 30, 2024 — For the fiscal years ended September 30, 2023, 2022, and 2021, AOCI includes pretax net actuarial losses of $11,862, $15,255, and $13,686, respectively, which have not been recognized as components of net periodic benefit costs as of the measurement date. The Company expects that $628 of net actuarial losses will be recognized as AOCI components of net periodic benefit cost during the fiscal year ended September 30, 2024. 401(k) Savings Plan — The Company maintains a 401(k) savings plan that is comprised of three tiers. The first tier allows eligible employees to contribute up to 75% of their compensation to the plan, subject to limitations established by the Internal Revenue Service, with the Company matching 100% of up to 4% on funds contributed. The second tier permits the Company to make a profit-sharing contribution at its discretion. The first and second tiers cover substantially all employees who have reached age 18 and have worked 30 days of service in one year of service. The third tier permits the Company to make discretionary contributions allocable to eligible employees including those eligible employees who are participants, but no longer receiving service credits, under the Company’s defined benefit pension plan. Voluntary contributions made by employees are vested at all times whereas Company contributions and Company matching contributions are subject to various vesting periods which range from immediately vested to fully vesting upon five years of service. The total of the Company’s matching and discretionary contributions related to the 401(k) savings plan for the years ended September 30, 2023, 2022 and 2021 was $4,297, $4,295 and $4,187, respectively. Employee (Associate) Stock Ownership Plan — The Company established an ESOP for its employees effective January 1, 2006. The ESOP is a tax-qualified plan designed to invest primarily in the Company’s common stock and provides employees with an opportunity to receive a funded retirement benefit, based on the value of the Company’s common stock. The ESOP covers all eligible employees of the Company and its wholly-owned subsidiaries. Employees are eligible to participate in the ESOP after attainment of age 18, completion of 1,000 hours of service, and employment on the last day of the plan’s calendar year. Company contributions to the plan are at the discretion of the Board of Directors. The ESOP is accounted for in accordance with the provisions for stock compensation in FASB ASC 718 . Compensation expense for the ESOP is based on the market price of the Company’s stock and is recognized as shares are committed to be released to participants. The total compensation expense related to this plan in the 2023, 2022 and 2021 fiscal years was $5,761, $7,063 and $8,270, respectively. The ESOP was authorized to purchase, and did purchase, 11,605,824 shares of the Company’s common stock at a price of $10 per share with a 2006 plan year cash contribution and the proceeds of a loan from the Company to the ESOP. The outstanding loan principal balance as of September 30, 2023 and 2022 was $37,254 and $41,927, respectively. Shares of the Company’s common stock pledged as collateral for the loan are released from the pledge for allocation to participants as loan payments are made. At September 30, 2023, 8,897,453 shares have been allocated to participants and 325,005 shares were committed to be released. Shares that are committed to be released will be allocated to participants at the end of the plan year (December 31). ESOP shares that are unallocated or not yet committed to be released totaled 2,708,371 at September 30, 2023, and had a fair market value of $32,013. Participants have the option to receive dividends on allocated shares in cash or leave the dividend in the ESOP. Dividends are reinvested in Company stock for those participants who choose to leave their dividends in the ESOP or who do not make an election. The purchase of Company stock for reinvestment of dividends is made in the open market on or about the date of the cash disbursement to the participants who opt to take dividends in cash. Dividends on unallocated shares held in the Employer Stock fund were paid to the trustee to be used to make payments on the outstanding loan obligation.

Equity Incentive Plan

Equity Incentive Plan	12 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
Equity Incentive Plan	EQUITY INCENTIVE PLAN The TFS Financial Corporation Amended and Restated 2008 Equity Incentive Plan, approved by shareholders in February 2018 and the 2008 Equity Incentive Plan, approved by shareholders in May 2008, are collectively referred to as the "Equity Plan”. The amended and restated plan is substantially similar to the previous plan, except that the number of future shares eligible to be granted has been reduced to 8,450,000 shares, of which 7,138,688 shares remain available for future award, and the term to grant shares has been extended to February 21, 2028. The Company recorded excess tax benefits (expense) of $(224), $109, and $1,331 related to share-based compensation awards for the years ended September 2023, 2022 and 2021, respectively. The following table presents share-based compensation expense and the related tax benefit recognized during the periods presented: Year Ended September 30, 2023 2022 2021 Restricted stock units expense $ 3,366 $ 3,206 $ 4,160 Performance share units expense 874 739 1,214 Stock option expense — — 68 Total stock-based compensation expense $ 4,240 $ 3,945 $ 5,442 Tax benefit related to share-based compensation expense $ 778 $ 677 $ 999 Restricted stock units vest over a one The following is a summary of the status of the Company’s restricted stock units as of September 30, 2023, and changes therein during the year then ended: Number of Weighted Outstanding at September 30, 2022 1,257,898 $ 14.17 Granted 174,550 $ 13.69 Released (91,765) $ 17.86 Forfeited (850) $ 17.77 Outstanding at September 30, 2023 (1) 1,339,833 $ 13.85 (1) Includes 765,748 shares with a weighted average grant date fair value of $11.87 that have vested but will not be issued until the recipients are no longer employed by the Company. The weighted average grant date fair value of restricted stock units granted during the years ended September 30, 2023, 2022 and 2021 was $13.69, $17.80 and $17.77 per share, respectively. The total fair value of restricted stock units vested during the years ended September 30, 2023, 2022 and 2021 was $1,639, $2,058, and $6,981, respectively. Expected future compensation expense relating to the non-vested restricted stock units at September 30, 2023, is $2,606 over a weighted average period of 2.43 years. Performance share units vest in the form of Company common stock issued at the end of a three two The following is a summary of the status of the Company’s performance share units as of September 30, 2023, and changes therein during the year then ended. No awards were forfeited during the year ended September 30, 2023. Number of Weighted Outstanding at September 30, 2022 169,954 18.46 Granted 102,000 13.69 Released (58,277) 19.76 Performance adjustment 4,394 17.77 Outstanding at September 30, 2023 218,071 15.87 The weighted average grant date fair value of performance share units granted during the year ended September 30, 2023, 2022 and 2021 was $13.69, $17.80, and $17.77, respectively. The total fair value of performance share units vested during the years ended September 30, 2023, 2022 and 2021, totaled $1,152, $1,112, and $14, respectively. Expected future compensation expense relating to the non-vested performance share units at September 30, 2023, is $1,196 over a weighted average period of 1.81 years. Stock options have a contractual term of 10 years and vest over a one seven The following is a summary of the Company’s stock option activity and related information for the Equity Plan for the year ended September 30, 2023. There were no stock options granted during 2023, 2022 and 2021. Number of Weighted Weighted Aggregate Outstanding at September 30, 2022 2,361,175 $ 15.14 3.32 $ 429 Exercised (315,200) $ 11.64 $ 820 Forfeited or expired (54,000) $ 14.94 $ — Outstanding at September 30, 2023 1,991,975 $ 15.69 2.66 $ — Vested and exercisable, at September 30, 2023 1,991,975 $ 15.69 2.66 $ — Vested or expected to vest, at September 30, 2023 1,991,975 $ 15.69 2.66 $ — The total intrinsic value of options exercised during the years ended September 30, 2023, 2022 and 2021 was $820, $551 and $8,605, respectively. There were no non-vested options outstanding as of September 30, 2023. Upon exercise of vested options, management expects to draw on treasury stock as the source of the shares.

Commitments And Contingent Liab

Commitments And Contingent Liabilities	12 Months Ended
	Sep. 30, 2023
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 or purchase loans generally have fixed expiration dates of 60 to 360 days or other termination clauses and may require payment of a fee. Unfunded commitments related to home equity lines of credit generally expire from five Off-balance sheet commitments to extend credit involve elements of credit risk and interest rate risk in excess of the amount recognized in the CONSOLIDATED STATEMENTS OF CONDITION . The Company’s exposure to credit loss in the event of nonperformance by the other party to the commitment is represented by the contractual amount of the commitment. The Company generally uses the same credit policies in making commitments as it does for on-balance-sheet instruments. The allowance for credit losses related to off-balance sheet commitments is recorded in other liabilities in the CONSOLIDATED STATEMENTS OF CONDITION . Refer to Note 5. LOANS AND ALLOWANCES FOR CREDIT LOSSES for discussion on credit loss methodology. Interest rate risk on commitments to extend credit results from the possibility that interest rates may have moved unfavorably from the position of the Company since the time the commitment was made. At September 30, 2023, the Company had commitments to originate or purchase loans and related allowances as follows: Commitment Allowance Fixed-rate mortgage loans $ 130,448 $ 673 Adjustable-rate mortgage loans 44,034 232 Home equity loans and lines of credit 174,942 2,547 Total $ 349,424 $ 3,452 At September 30, 2023, the Company had unfunded commitments outstanding and related allowances as follows: Commitment Allowance Home equity lines of credit $ 4,696,512 $ 23,811 Construction loans 25,754 252 Total $ 4,722,266 $ 24,063 At September 30, 2023, the unfunded commitment on home equity lines of credit, including commitments for accounts suspended as a result of material default or a decline in equity, is $4,728,215. At September 30, 2023 and September 30, 2022, the Company had $2,094 and $0, respectively, in commitments to sell mortgage loans. At September 30, 2023 and September 30, 2022, the Company had $51,275 and $0, respectively, in commitments to purchase mortgage loans, which are included in mortgage loan commitments above. 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 September 30, 2023. The Company and its subsidiaries are subject to various legal actions arising in the normal course of business. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the Company’s consolidated financial condition, results of operation, or statements of cash flows.

Fair Value

Fair Value	12 Months Ended
	Sep. 30, 2023
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 September 30, 2023 and September 30, 2022, there were no pending agency contracts held for sale. For the years ended September 30, 2023, 2022, and 2021, net gain (loss) on the sale of loans includes $0, $0 and $134, respectively, related to unrealized gains or losses during the period due to changes in the fair value of loans held for sale subject to pending agency contracts. Presented below is a discussion of the methods and significant assumptions used by the Company to estimate fair value. Investment Securities Available for Sale — Investment securities available for sale are recorded at fair value on a recurring basis. At September 30, 2023 and 2022, this includes $508,324 and $457,908, respectively, 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 September 30, 2023 and 2022, there were $3,260 and $9,661, respectively, of loans held for sale measured at fair value. At September 30, 2023 and 2022 there were no loans held for sale carried at cost. Interest income on mortgage loans held for sale is recorded in interest income on loans. Collateral-Dependent Loans — Collateral-dependent loans represent certain loans held for investment that are subject to a fair value measurement under U.S. GAAP because they are individually evaluated using a fair value measurement, such as the fair value of the underlying collateral. Credit loss is measured using a market approach based on the fair value of the collateral, less estimated costs to dispose, for loans the Company considers to be collateral-dependent due to a delinquency status or other adverse condition severe enough to indicate that the borrower can no longer be relied upon as the continued source of repayment. These conditions are described more fully in Note 5. LOANS AND ALLOWANCES FOR CREDIT LOSSES . To calculate the credit loss of collateral-dependent loans, the fair market values of the collateral, estimated using 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 repayment the Company can expect. The amortized cost of loans individually evaluated for credit loss based on the fair value of the collateral are included in Level 3 of the hierarchy with assets measured at fair value on a non-recurring basis. The range and weighted average impact of estimated costs to dispose on fair values is determined at the time of credit loss or when additional credit loss is recognized and is included in quantitative information about significant unobservable inputs later in this note. Loans held for investment that have been restructured in TDRs, are performing according to the restructured terms of the loan agreement and are not evaluated based on collateral, are individually evaluated for credit loss using the present value of future cash flows based on the loan’s effective interest rate, which is not a fair value measurement. At September 30, 2023 and 2022, this included $74,691 and $76,692, respectively, in amortized costs of TDRs with related allowances for loss of $9,546 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 September 30, 2023 and September 30, 2022 were $1,444 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 September 30, 2023 and 2022, these adjustments were not significant to reported fair values. At September 30, 2023 and 2022, respectively, $1,413 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 estimated costs to dispose, of $163 and $156, respectively. Real estate owned includes $194 and $155 of properties carried at their original or adjusted cost basis at September 30, 2023 and 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 STATEMENT OF CONDITION with changes in value recorded in current earnings. Derivatives qualifying as cash flow hedges are settled daily, bringing their fair value to $0. Refer to Note 17. DERIVATIVE INSTRUMENTS for additional information on cash flow hedges 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 September 30, 2023 and 2022 are summarized below. Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Assets Investment securities available for sale: REMIC’s $ 443,007 $ — $ 443,007 $ — Fannie Mae certificates 814 — 814 — Freddie Mac certificates 1,044 — 1,044 — U.S. government and agency obligations 63,459 — 63,459 — Derivatives: Forward commitments for the sale of mortgage loans 11 — 11 — Total $ 508,335 $ — $ 508,335 $ — Liabilities Derivatives: Interest rate lock commitments 1 — — 1 Total $ 1 $ — $ — $ 1 Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Assets Investment securities available for sale: REMIC’s $ 453,268 $ — $ 453,268 $ — Fannie Mae certificates 1,021 — 1,021 — U.S. government and agency obligations 3,619 — 3,619 — Total $ 457,908 $ — $ 457,908 $ — Liabilities Derivatives: Interest rate lock commitments 333 — — 333 Total $ 333 $ — $ — $ 333 The table below presents a reconciliation of the beginning and ending balances and the location within the CONSOLIDATED STATEMENTS OF INCOME where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3). Interest Rate Lock Commitments Year Ended September 30, 2023 2022 2021 Beginning balance $ (333) $ 525 $ 1,194 (Loss)/Gain during the period due to changes in fair value: Included in other non-interest income 332 (858) (669) Ending balance $ (1) $ (333) $ 525 Change in unrealized gains for the period included in earnings for $ (1) $ (333) $ 525 Summarized in the tables below are those assets measured at fair value on a nonrecurring basis. Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Collateral-dependent loans, net of allowance $ 38,289 $ — $ — $ 38,289 Mortgage loans held for sale 3,260 — 3,260 — Real estate owned (1) 1,413 — — 1,413 Total $ 42,962 $ — $ 3,260 $ 39,702 ______________________ (1) Amounts represent fair value measurements of properties before deducting estimated costs to dispose. Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Collateral-dependent loans, net of allowance $ 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 mortgage origination applications. Fair Value September 30, 2023 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $38,289 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 30% 4.8% Interest rate lock commitments $(1) Quoted Secondary Market pricing Closure rate 0 - 100% 99.5% 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 . September 30, 2023 Carrying Estimated Fair Value Amount Total Level 1 Level 2 Level 3 Assets: Cash and due from banks $ 29,134 $ 29,134 $ 29,134 $ — $ — Interest earning cash equivalents 437,612 437,612 437,612 — — Investment securities available for sale 508,324 508,324 — 508,324 — Mortgage loans held for sale 3,260 3,260 — 3,260 — Loans, net: Mortgage loans held for investment 15,161,336 13,262,711 — — 13,262,711 Other loans 4,411 4,411 — — 4,411 Federal Home Loan Bank stock 247,098 247,098 N/A — — Accrued interest receivable 53,910 53,910 — 53,910 — Cash collateral received from or held by counterparty 24,887 24,887 24,887 — — Derivatives 11 11 — 11 — Liabilities: Checking and passbook accounts $ 2,790,476 $ 2,790,476 $ — $ 2,790,476 $ — Certificates of deposit 6,659,344 6,571,674 — 6,571,674 — Borrowed funds 5,273,637 5,256,278 — 5,256,278 — Borrowers’ advances for taxes and insurance 124,417 124,417 — 124,417 — Principal, interest and escrow owed on loans serviced 29,811 29,811 — 29,811 — Derivatives 1 1 — — 1 September 30, 2022 Carrying Estimated Fair Value Amount Total Level 1 Level 2 Level 3 Assets: Cash and due from banks $ 18,961 $ 18,961 $ 18,961 $ — $ — Interest earning cash equivalents 350,603 350,603 350,603 — — Investment securities available for sale 457,908 457,908 — 457,908 — Mortgage loans held for sale 9,661 9,661 — 9,661 — Loans, net: Mortgage loans held for investment 14,253,804 13,106,346 — — 13,106,346 Other loans 3,263 3,263 — — 3,263 Federal Home Loan Bank stock 212,290 212,290 N/A — — Accrued interest receivable 40,256 40,256 — 40,256 — Cash collateral received from or held by counterparty 26,045 26,045 26,045 — — Liabilities: Checking and passbook accounts $ 3,056,506 $ 3,056,506 $ — $ 3,056,506 $ — Certificates of deposit 5,864,511 5,733,418 — 5,733,418 — Borrowed funds 4,793,221 4,734,377 — 4,734,377 — Borrowers’ advances for taxes and insurance 117,250 117,250 — 117,250 — Principal, interest and escrow owed on loans serviced 29,913 29,913 — 29,913 — Derivatives 333 333 — — 333

Derivative Instruments

Derivative Instruments	12 Months Ended
	Sep. 30, 2023
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 and deposit 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 and brokered certificates of deposit. Cash flow hedges are initially assessed for effectiveness using regression analysis. Changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in OCI and is subsequently reclassified into earnings during the period in which the hedged forecasted transaction affects earnings. Quarterly, a quantitative analysis is preformed to monitor the ongoing effectiveness of the hedging instrument. All derivative positions were initially, and continue to be, highly effective at September 30, 2023. The Company enters into forward commitments for the sale of mortgage loans primarily 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 . In accordance with the reference rate reform, for every LIBOR referenced interest rate swap with a reset date after the LIBOR cessation date, counterparties received a LIBOR referenced instrument maturing on the first reset date after the LIBOR cessation date, and a forward starting SOFR instrument. At September 30, 2023, all previous LIBOR referenced swaps have transitioned to a SOFR-based rate. Additionally, under previously adopted ASU 2020-04, Reference Rate Reform (Topic 848), the Company has elected and applied certain optional expedients for eligible hedging relationships impacted by the LIBOR cessation. The following tables provide the locations within the CONSOLIDATED STATEMENTS OF CONDITION , notional values and fair values, at the reporting dates, for all derivative instruments. September 30, 2023 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets SOFR swaps $ 3,815,000 — 3.7 2.91 % Total cash flow hedges: Interest rate swaps $ 3,815,000 $ — 3.7 2.91 % September 30, 2022 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Cash flow hedges: Interest rate swaps Other Assets LIBOR swaps $ 1,550,000 $ — 2.7 1.88 % Total cash flow hedges: Interest rate swaps $ 1,550,000 $ — 2.7 1.88 % September 30, 2023 September 30, 2022 Notional Value Fair Value Notional Value Fair Value Derivatives not designated as hedging instruments Interest rate lock commitments Other Liabilities $ 1,830 $ (1) $ 9,170 $ (333) Forward Commitments for the sale of mortgage loans Other Assets 2,094 11 — — Total derivatives not designated as hedging instruments $ 3,924 $ 10 $ 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. Location of Gain or (Loss) Year Ended September 30, 2023 2022 2021 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 146,807 $ 141,163 $ 27,848 Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds and Deposits 59,821 (22,740) (44,534) Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ 332 $ (858) $ (669) Forward commitments for the sale of mortgage loans Net gain/(loss) on the sale of loans 11 — 134 The Company estimates that $90,257 of the amounts reported in AOCI will be reclassified as a reduction to interest expense during the fiscal year ending September 30, 2024.

Parent Company Only Financial S

Parent Company Only Financial Statements	12 Months Ended
	Sep. 30, 2023
Condensed Financial Information Disclosure [Abstract]
Parent Company Only Financial Statements	PARENT COMPANY ONLY FINANCIAL STATEMENTS The following condensed financial statements for TFS Financial Corporation (parent company only) reflect the investments in, and transactions with, its wholly-owned subsidiaries. Intercompany activity is eliminated in the consolidated financial statements. September 30, 2023 2022 Statements of Condition Assets: Cash and due from banks $ 1,424 $ 1,341 Investment securities - available for sale 3,646 3,619 Other loans: Demand loan due from Third Federal Savings and Loan 172,307 184,772 ESOP loan receivable 37,254 41,927 Investments in: Third Federal Savings and Loan 1,704,315 1,605,306 Non-thrift subsidiaries 8,268 8,104 Prepaid federal and state taxes 738 — Deferred income taxes 200 296 Accrued receivables and other assets 9,786 9,158 Total assets $ 1,937,938 $ 1,854,523 Liabilities and shareholders’ equity: Line of credit due non-thrift subsidiary $ 8,132 $ 7,485 Accrued expenses and other liabilities 2,445 2,532 Accrued federal and state income taxes — 167 Total liabilities 10,577 10,184 Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding — — Common stock, 0.01 par value, 700,000,000 shares authorized; 332,318,750 shares issued; 280,359,173 and 280,582,741 outstanding at September 30, 2023 and September 30, 2022, respectively 3,323 3,323 Paid-in capital 1,755,027 1,751,223 Treasury stock, at cost; 51,959,577 and 51,736,009 shares at September 30, 2023 and September 30, 2022, respectively (776,101) (771,986) Unallocated ESOP shares (27,084) (31,417) Retained earnings—substantially restricted 886,984 870,047 Accumulated other comprehensive income 85,212 23,149 Total shareholders’ equity 1,927,361 1,844,339 Total liabilities and shareholders’ equity $ 1,937,938 $ 1,854,523 Years Ended September 30, 2023 2022 2021 Statements of Comprehensive Income (Loss) Interest income: Demand loan due from Third Federal Savings and Loan $ 9,047 $ 1,600 $ 164 ESOP loan 2,433 1,400 1,732 Other interest income 54 6 1 Investment securities available for sale 45 43 — Total interest income 11,579 3,049 1,897 Interest expense: Borrowed funds from non-thrift subsidiaries 351 97 7 Total interest expense 351 97 7 Net interest income 11,228 2,952 1,890 Non-interest income: Intercompany service charges 30 30 85 Dividend from Third Federal Savings and Loan 40,000 56,000 55,000 Total other income 40,030 56,030 55,085 Non-interest expenses: Salaries and employee benefits 4,825 4,534 4,917 Professional services 1,253 1,456 1,566 Office property and equipment 13 13 3 Other operating expenses 217 223 176 Total non-interest expenses 6,308 6,226 6,662 Income before income tax benefit 44,950 52,756 50,313 Income tax benefit (1,294) (2,826) (3,848) Income before undistributed earnings of subsidiaries 46,244 55,582 54,161 Equity in undistributed earnings of subsidiaries (dividend in excess of earnings): Third Federal Savings and Loan 28,843 17,260 24,738 Non-thrift subsidiaries 163 1,723 2,108 Net income 75,250 74,565 81,007 Change in net unrealized gain (loss) on securities available for sale (7,273) (34,860) (3,733) Change in cash flow hedges 66,649 127,093 56,096 Change in pension obligation 2,688 (1,283) 11,801 Total other comprehensive income (loss) 62,064 90,950 64,164 Total comprehensive income $ 137,314 $ 165,515 $ 145,171 Years Ended September 30, 2023 2022 2021 Statements of Cash Flows Cash flows from operating activities: Net income $ 75,250 $ 74,565 $ 81,007 Adjustments to reconcile net income to net cash provided by operating activities: (Equity in undistributed earnings of subsidiaries) dividend in excess of earnings: Third Federal Savings and Loan (28,843) (17,260) (24,738) Non-thrift subsidiaries (163) (1,723) (2,108) Deferred income taxes 87 81 204 ESOP and stock-based compensation expense 1,863 1,543 1,843 Net decrease (increase) in interest receivable and other assets (1,351) 908 12,593 Net increase (decrease) in accrued expenses and other liabilities (273) 48 (200) Net cash provided by operating activities 46,570 58,162 68,601 Cash flows from investing activities: Purchase of securities available for sale — (4,071) — (Increase) decrease in balances lent to Third Federal Savings and Loan 12,465 304 (12,222) Net cash provided by (used in) investing activities 12,465 (3,767) (12,222) Cash flows from financing activities: Principal reduction of ESOP loan 4,673 4,527 4,063 Purchase of treasury shares (5,000) (5,049) — Dividends paid to common shareholders (58,294) (58,297) (56,637) Acquisition of treasury shares through net settlement (978) (1,241) (5,591) Net increase (decrease) in borrowings from non-thrift subsidiaries 647 1,649 1,787 Net cash used in financing activities (58,952) (58,411) (56,378) Net increase (decrease) in cash and cash equivalents 83 (4,016) 1 Cash and cash equivalents—beginning of year 1,341 5,357 5,356 Cash and cash equivalents—end of year $ 1,424 $ 1,341 $ 5,357

Earnings Per Share

Earnings Per Share	12 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Earnings Per Share	EARNINGS PER SHAREBasic earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. For purposes of computing earnings per share amounts, outstanding shares include shares held by the public, shares held by the ESOP that have been allocated to participants or committed to be released for allocation to participants and the 227,119,132 shares held by Third Federal Savings, MHC. For purposes of computing dilutive earnings per share, stock options and restricted and performance share units with a dilutive impact are added to the outstanding shares used in the basic earnings per share calculation. Unvested shares awarded pursuant to the Company's restricted stock plans are treated as participating securities in the computation of EPS pursuant to the two-class method as they contain nonforfeitable rights to dividends. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Performance share units, determined to be contingently issuable and not participating securities, are excluded from the calculation of basic EPS. At September 30, 2023 and 2022, the ESOP held 2,708,371 and 3,141,711 shares, respectively, that were neither allocated to participants nor committed to be released to participants. The following is a summary of the Company’s EPS calculations. For the Year Ended September 30, 2023 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 75,250 Less: income allocated to restricted stock units 1,569 Basic earnings per share: Income available to common shareholders 73,681 277,436,382 $ 0.27 Diluted earnings per share: Effect of dilutive potential common shares 1,147,072 Income available to common shareholders $ 73,681 278,583,454 $ 0.26 For the Year Ended September 30, 2022 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 74,565 Less: income allocated to restricted stock units 1,510 Basic earnings per share: Income available to common shareholders 73,055 277,370,762 $ 0.26 Diluted earnings per share: Effect of dilutive potential common shares 1,315,603 Income available to common shareholders $ 73,055 278,686,365 $ 0.26 For the Year Ended September 30, 2021 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 81,007 Less: income allocated to restricted stock units 1,555 Basic earnings per share: Income available to common shareholders 79,452 276,694,594 $ 0.29 Diluted earnings per share: Effect of dilutive potential common shares 1,881,660 Income available to common shareholders $ 79,452 278,576,254 $ 0.29 The following is a summary of outstanding stock options and restricted and performance share units that are excluded from the computation of diluted EPS because their inclusion would be anti-dilutive. For the Year Ended September 30, 2023 2022 2021 Options to purchase shares 1,991,975 407,100 133,800 Restricted and performance share units 57,669 50,000 —

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Sep. 30, 2023
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recent Accounting Pronouncements	RECENT ACCOUNTING PRONOUNCEMENTS Adopted in fiscal year ended September 30, 2023 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 LIBOR would 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. In March 2023, the FASB issued ASU 2023-02, Investments - Equity Method and Joint Ventures (Topic 323) . The amendments in this update expand the proportional amortization method, by election, to account for all investments made primarily for the purpose of receiving income tax credits or other tax benefits. Previously, this accounting method was only allowed for low-income housing tax credit investments. This update is effective for fiscal years beginning after December 15, 2023, with early adoption permitted in any interim period. The Company adopted this update effective April 1, 2023 and will consider the provisions on future tax credit investments, should they occur. This update did not have an immediate impact on our consolidated financial condition or results of operations. Issued but not yet adopted as of September 30, 2023 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 plans to adopt this guidance as of October 1, 2023 and apply the modified retrospective transition method that will evaluate loans previously identified as TDRs for credit loss under the Company’s current ACL policy. We expect to recognize an increase to opening retained earnings of $7,898, net of income taxes resulting from a pretax decrease to the allowance for credit losses on loans and unfunded commitments of $10,262 upon adoption. The enhanced disclosure requirements provided for by the ASU will be adopted on a prospective basis.

Related Party Disclosures

Related Party Disclosures	12 Months Ended
	Sep. 30, 2023
Related Party Transactions [Abstract]
Related Party Transactions Disclosure	RELATED PARTY TRANSACTIONSThe Company has periodically made loans and extensions of credit, in the ordinary course of business, to certain directors and executive officers. These loans were originated with normal credit terms, including interest rate and collateralization, and do not represent more than the normal risk of collection. The aggregate amount of loans to such related parties at both September 30, 2023 and 2022 was $0.

Description Of Business And S_2

Description Of Business And Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
Business	Business —TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering, and other financial services. Third Federal Savings and Loan Association of Cleveland, MHC, its federally chartered mutual holding company parent, owned 81.01% of the outstanding shares of common stock of the Company at September 30, 2023. The Company’s primary operating subsidiaries include the Association and Third Capital, Inc. The Association is a federal savings association, which provides retail loan and savings products to its customers in Ohio and Florida, through its 37 full-service branches, four loan production offices, customer service call center and internet site. The Association also provides savings products, purchase mortgages, first mortgage refinance loans, home equity lines of credit, and home equity loans in states outside of its branch footprint. The Association also acquires first mortgage loans through a correspondent lending partnership. Third Capital, Inc. was formed to hold non-thrift investments and subsidiaries. The accounting and reporting policies of TFS Financial Corporation and its subsidiaries conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. No material subsequent events have occurred requiring recognition in the consolidated financial statements or disclosure in the notes to the consolidated financial statements. The following is a description of the significant accounting and reporting policies, which the Company follows in preparing and presenting its consolidated financial statements.
Principles of Consolidation	Basis of Consolidation and Reporting —The consolidated financial statements of the Company include the accounts of TFS Financial Corporation and its wholly owned subsidiaries. Intercompany balances and transactions have been eliminated in consolidation. Estimates —The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates.
Cash and Cash Equivalents	Cash and Cash Equivalents —Cash and cash equivalents consist of working cash on hand, and demand and interest bearing deposits at other financial institutions with maturities of three months or less. For purposes of reporting cash flows, cash and cash equivalents also includes federal funds sold, when applicable. The Company has acknowledged informal agreements with banks where it maintains deposits. Under these agreements, service fees charged to the Company are waived provided certain average compensating balances are maintained throughout each month.
Investment Securities	Investment Securities —Our fixed-maturity securities are accounted for on an available-for-sale basis. Securities held as available-for-sale are reported at fair value, with the corresponding unrealized gains and (losses), net of deferred income taxes, reported in AOCI. Management determines the appropriate classification of investment securities based on its intent and ability to hold at the time of purchase. Purchases of securities are accounted for on a trade-date or settlement-date basis, depending on the settlement terms. Realized gains and (losses) on securities are computed on a specific identification basis. Realized gains and (losses) also include changes in fair value on derivatives not designated as hedging instruments. Sales of securities are accounted for on a trade-date or settlement-date basis, depending on the settlement terms. A decline in the fair value of any available for sale security, below cost, is evaluated for credit loss. Credit loss is recognized in earnings if management intends, or will more likely than not be required, to sell the security before the recovery of its amortized cost basis. If the present value of cash flows expected to be collected is less than the amortized cost basis of the security, then a credit loss exists and an allowance would be recognized as a credit loss expense, limited to the difference between fair value and amortized cost. Non-credit related loss is recognized in OCI, net of applicable deferred income taxes. To determine whether a credit loss exists, the Company considers, among other things, adverse conditions related to the security, industry, geographic area, the payment schedule of the debt security and likelihood that the issuer will be able to make payments that increase in the future, failure of the issuer to make scheduled payments and all available information relevant to the securities collectability, changes in ratings assigned by a rating agency, and other credit enhancements that affect the securities expected performance. Investment income consist of interest and accretion (net of amortization). Interest is recognized on an accrual basis using the level-yield method. Premiums and discounts are amortized using the level-yield method.
Mortgage Banking Activity	Mortgage Banking Activity —Mortgage loans originated or purchased and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Mortgage loans included in pending agency contracts to sell and securitize loans are carried at fair value. Fair value is based on quoted secondary market pricing for loan portfolios with similar characteristics and includes consideration of deferred fees (costs). Net unrealized gains or losses on loans carried at fair value, are recognized in a valuation allowance by charges to income. The Company retains servicing on loans that are sold and initially recognizes an asset for mortgage loan servicing rights based on the fair value of the servicing rights. Residential mortgage loans represent the single class of servicing rights and are measured at the lower of cost or fair value on a recurring basis. Mortgage loan servicing rights are reported net of accumulated amortization, which is recorded in proportion to, and over the period of, estimated net servicing revenues. The Company monitors prepayments and changes amortization of mortgage servicing rights accordingly. Fair values are estimated using discounted cash flows based on current interest rates and prepayment assumptions, and impairment is monitored each quarterly reporting period. The impairment analysis is based on predominant risk characteristics of the loans serviced, such as type, fixed- and adjustable-rate loans, original terms and interest rates. The amount of impairment recognized is the amount by which the mortgage loan servicing assets exceed their fair value. Servicing fee income net of amortization and other loan fees collected on loans serviced for others are included in Fees and service charges, net of amortization on the CONSOLIDATED STATEMENTS OF INCOME .
Derivative Instruments	Derivative Instruments —Derivative instruments are carried at fair value in the Company's financial statements. For derivative instruments that are designated and qualify as cash flow hedges, changes in the fair value of the derivative instrument are reported as a component of OCI, net of tax, and reclassified into earnings in the same period during which the hedged transaction affects earnings. The earnings effect of the hedging instrument will be presented in the same income statement line item as the earnings effect of the hedged item. AOCI will be adjusted to a balance that reflects the cumulative change in the fair value of the hedging instrument. At the inception of a hedge, the Company documents certain items, including the relationship between the hedging instrument and the hedged item, the risk management objective and the nature of the risk being hedged, a description of how effectiveness will be measured, an evaluation of hedge transaction effectiveness and the benchmark interest rate or contractually specified interest rate being hedged. Hedge accounting is discontinued prospectively when (1) a derivative is no longer highly effective in offsetting changes in the fair value or cash flow of a hedged item, (2) a derivative expires or is sold, (3) a derivative is de-designated as a hedge, because it is unlikely that a forecasted transaction will occur, or (4) it is determined that designation of a derivative as a hedge is no longer appropriate. When hedge accounting is discontinued, the Company would continue to carry the derivative on the statement of condition at its fair value; however, changes in its fair value would be recorded in earnings instead of through OCI. For derivative instruments not designated as hedging instruments, the Company recognizes gains and (losses) on the derivative instrument in current earnings during the period of change.
Loans and Related Deferred Loan Expenses, net	Loans and Related Deferred Loan Expenses, net —Loans originated or purchased with the intent to hold into the foreseeable future are carried at unpaid principal balances adjusted for partial charge-offs, the allowance for credit losses and net deferred loan expenses. Interest on loans is accrued and credited to income as earned. Interest on loans is not recognized in income when collectability is uncertain. Loan fees and certain direct loan origination costs are deferred and recognized as an adjustment to interest income using the level-yield method over the contractual lives of related loans, if the loans are held for investment. If the loans are held for sale, net deferred fees (costs) are generally not amortized, but rather are recognized when the related loans are sold.
Allowance for Credit Losses, Policy or Methodology Change	The allowance for credit losses represents the estimate of lifetime losses in the loan portfolio and unfunded loan commitments. 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.
Troubled Debt Restructuring	Loans are classified as TDRs when the original contractual terms are restructured to provide a concession to a borrower experiencing financial difficulty under terms that would not otherwise be available and the restructuring is the result of an agreement between the Company and the borrower or is imposed by a court or law. Concessions granted in TDRs may include a reduction of the stated interest rate, a reduction or forbearance of principal, an extension of the maturity date, a significant delay in payments, the removal of one or more borrowers from the obligation, or any combination of these.Residential mortgage loans, home equity loans and lines of credit and construction loans restructured in TDRs that are not evaluated based on collateral are separately evaluated for credit losses on a loan by loan basis at each reporting date for as long as they are reported as TDRs. The credit loss evaluation is based on the present value of expected future cash flows discounted at the effective interest rate of the original loan. Expected future cash flows include a discount factor representing a potential for default. Valuation allowances are recorded for the excess of the amortized costs over the result of the cash flow analysis. Loans discharged in Chapter 7 bankruptcy are reported as TDRs and also evaluated based on the present value of expected future cash flows unless evaluated based on collateral. These loans are evaluated using expected future cash flows because the borrower, not liquidation of the collateral, is expected to be the source of repayment for the loan. Other loans are not considered for restructuring.TDRs may be restructured more than once. Among other requirements, a subsequent restructuring may be available for a borrower upon the expiration of temporary restructuring terms if the borrower is unable to resume contractually scheduled loan payments. If the borrower is experiencing an income curtailment that temporarily has reduced their capacity to repay, such as loss of employment, reduction of work hours, non-paid leave or short-term disability, a temporary restructuring is considered. If the borrower lacks the capacity to repay the loan at the current terms due to a permanent condition, a permanent restructuring is considered. In evaluating the need for a subsequent restructuring, the borrower’s ability to repay is generally assessed utilizing a debt to income and cash flow analysis.
Allowance for Loan Losses	Allowance for Credit Losses —The allowance for credit losses represents the estimate of lifetime losses in our loan portfolio and off-balance sheet commitments. The allowance for credit losses is assessed on a quarterly basis and provisions (releases) for credit losses are made accordingly. The allowance is established using relevant available information, relating to past events, current conditions and supportable economic forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Qualitative adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency status or likely recovery of previous loan charge-offs. The allowance for credit losses is increased by recoveries and decreased by charge-offs. Also, qualitative adjustments were made to reflect expected recovery of loan amounts previously charged-off, beyond what the model is able to project. For further discussion on the allowance for credit losses, non-accrual, and TDRs, see Note 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES . Charge-offs on residential mortgage loans, home equity loans and lines of credit, and construction loans are recognized when triggering events, such as foreclosure actions, short sales, or deeds accepted in lieu of repayment, result in less than full repayment of the amortized cost in the loans. Partial or full charge-offs are also recognized for the amount of credit losses on loans considered collateral-dependent when the borrower is experiencing financial difficulty as described by meeting the conditions below. • For residential mortgage loans, payments are greater than 180 days delinquent; • For home equity loans and lines of credit, and residential loans restructured in a TDR, payments are greater than 90 days delinquent; • For all classes of loans 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.
Impaired Financing Receivable, Policy	For all classes of loans, a loan is considered collateral-dependent when, based on current information and events, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale of the collateral or foreclosure is probable. Factors considered in determining that a loan is collateral-dependent may include the deteriorating financial condition of the borrower indicated by missed or delinquent payments, a pending legal action, such as bankruptcy or foreclosure, or the absence of adequate security for the loan.
Real Estate Owned, net	Real Estate Owned, net —Real estate owned, net represents real estate acquired through foreclosure or deed in lieu of foreclosure and is initially recorded at fair value, less estimated costs to sell. Subsequent to acquisition, real estate owned is carried at the lower of cost or fair value, less estimated selling costs. Management performs periodic valuations and a valuation allowance is established by a charge to income for any excess of the carrying value over the fair value, less estimated costs to sell the property. Recoveries in fair value during the holding period are recognized until the valuation allowance is reduced to zero. Costs related to holding and maintaining the property are charged to expense.
Premises, Equipment, and Software, net	Premises, Equipment, and Software, net —Depreciation and amortization of premises, equipment and software is computed on a straight-line basis over the estimated useful lives of the related assets. Estimated lives are 31.5 years for office facilities and three
Lessee, Leases	Leases —At inception, all contracts are evaluated to determine if the arrangement contains a lease based on the terms and conditions. As a lessee, the Company recognizes leases with terms greater than one year on the CONSOLIDATED STATEMENTS OF CONDITION as lease assets (a right-of-use asset) and lease liabilities (a liability to make lease payments), measured on a discounted basis. For further discussion on leases, see Note 8. LEASES .
Bank Owned Life Insurance Contracts	Bank Owned Life Insurance Contracts —Life insurance is provided under both whole and split dollar life insurance agreements. Policy premiums were prepaid and the Company will recover the premiums paid from the proceeds of the policies. The Company recognizes death benefits and growth in the cash surrender value of the policies in other non-interest income.
Goodwill	Goodwill —The excess of purchase price over the fair value of net assets of acquired companies is classified as goodwill and reported in Other Assets. Goodwill was $9,732 at September 30, 2023 and 2022. Goodwill is reviewed for impairment on an annual basis as of September 30. No impairment was identified as of September 30, 2023 or 2022.
Taxes on Income	Taxes on Income —Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Additional information about policies related to income taxes is included in Note 12. INCOME TAXES .
Deposits	Deposits —Interest on deposits is accrued and charged to expense monthly and is paid or credited in accordance with the terms of the accounts.
Treasury Stock	Treasury Stock— Acquisitions of treasury stock through stock repurchases are recorded at cost using the cost method of accounting. Repurchases may be made through open market purchases, block trades and in negotiated private transactions, subject to the availability of stock, general market conditions, the trading price of the stock, alternative uses for capital, and the Company’s financial performance. Repurchased shares will be available for general corporate purposes.
Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss) —AOCI consists of changes in pension obligations, changes in unrealized gains (losses) on securities available for sale and cash flow hedges, each of which is net of the related income tax effects. The Company's policy is to release income tax effects from AOCI only when the entire portfolio to which the underlying transactions relate to is liquidated, sold or extinguished.
Revenue from Contracts with Customers	Revenue from Contracts with Customers —The core principle of the guidance requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled to receive in exchange for those goods or services. Three of the Company's revenue streams within scope of Topic
Pension Benefits	Pension Benefits —The determination of our obligations and expense for pension benefits is dependent upon certain assumptions used in calculating such amounts. Key assumptions used in the actuarial valuations include the discount rate and expected long-term rate of return on plan assets. Actual results could differ from the assumptions and market driven rates may fluctuate. Significant differences in actual experience or significant changes in the assumptions could materially affect future pension obligations and expense.
Share-Based Compensation	Share-Based Compensation —Compensation expense for awards of equity instruments is recognized on a straight-line basis over the requisite service period based on the grant date fair value estimated in accordance with the provisions of FASB ASC 718 “Compensation—Stock Compensation”. All vested equity instruments are settled in stock. Forfeitures are recognized as they occur. Share-based compensation expense is included in Salaries and employee benefits in the CONSOLIDATED STATEMENTS OF INCOME . Tax benefits or deficiencies recognized for the difference between realized deductions and cumulative book compensation cost on share-based compensation awards are included in operating cash flows on the CONSOLIDATED STATEMENTS OF CASH FLOW . The grant date fair value of stock options is estimated using the Black-Scholes option-pricing model using assumptions for the expected option term, expected stock price volatility, risk-free interest rate, and expected dividend yield. Due to limited historical data on exercise of share options, the simplified method is used to estimate expected option term.
Marketing Costs	Marketing Costs —Marketing costs are expensed as incurred.
Earnings per Share	Earnings per Share —Basic EPS is computed by dividing net income by the weighted-average number of shares of common stock outstanding. Outstanding shares include shares sold to subscribers, shares held by the Third Federal Foundation, shares of the Employee Stock Ownership Plan which have been allocated or committed to be released for allocation to participants, and shares held by Third Federal Savings, MHC. Unvested shares awarded in the Company's share-based compensation plan are treated as participating securities for purposes of the two-class method when they contain nonforfeitable rights to dividends, but are not included in the number of shares in the computation of basic EPS. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Diluted EPS is computed using the same method as basic EPS, but the weighted-average number of shares reflects the potential dilution, if any, of unexercised stock options, unvested shares of performance share units and unvested shares of restricted stock units that could occur if stock options were exercised and performance share units and restricted stock units were issued and converted into common stock. These potentially dilutive shares would then be included in the number of weighted-average shares outstanding for the period using the treasury stock method. At September 30, 2023, 2022 and 2021, potentially dilutive shares include stock options, restricted stock units and performance share units issued through share-based compensation plans.

Receivables, Loans, Notes Recei

Receivables, Loans, Notes Receivable, and Others (Policies)	12 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Loans and Leases Receivable, Past Due Status, Policy	When a loan is more than one month past due on its scheduled payments, the loan is considered 30 days or more past due, regardless of the number of days in each month.

Fair Value Measures and Disclos

Fair Value Measures and Disclosures (Policies)	12 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Fair Value Transfer, Policy	Under U.S. GAAP, fair value is defined as the price that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date under current market conditions. A fair value framework is established whereby assets and liabilities measured at fair value are grouped into three levels of a fair value hierarchy, based on the transparency of inputs and the reliability of assumptions used to estimate fair value.

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Sep. 30, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Summary Of Actual Capital Amounts And Ratios Compared To Minimum Requirements	The following table summarizes the actual capital amounts and ratios of the Association as of September 30, 2023 and 2022, compared to the minimum capital adequacy requirements and the requirements for classification as a well capitalized institution. Minimum Requirements Actual For Capital To be “Well Capitalized” Amount Ratio Amount Ratio Amount Ratio September 30, 2023 Total Capital to Risk-Weighted Assets $ 1,709,596 17.87 % $ 765,410 8.00 % $ 956,762 10.00 % Tier 1 (Leverage) Capital to Net Average Assets 1,640,657 9.82 % 667,958 4.00 % 834,948 5.00 % Tier 1 Capital to Risk-Weighted Assets 1,640,657 17.15 % 574,057 6.00 % 765,410 8.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,640,657 17.15 % 430,543 4.50 % 621,896 6.50 % September 30, 2022 Total Capital to Risk-Weighted Assets $ 1,666,677 18.84 % $ 707,788 8.00 % $ 884,734 10.00 % Tier 1 (Leverage) Capital to Net Average Assets 1,614,615 10.33 % 625,020 4.00 % 781,275 5.00 % Tier 1 Capital to Risk-Weighted Assets 1,614,615 18.25 % 530,841 6.00 % 707,788 8.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,614,615 18.25 % 398,130 4.50 % 575,077 6.50 %

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Sep. 30, 2023
Investments [Abstract]
Unrealized Gain (Loss) on Investments	Available-for-sale securities are summarized in the tables below. September 30, 2023 Amortized Gross Fair Gains Losses REMICs $ 495,874 $ — $ (52,867) $ 443,007 Fannie Mae certificates 834 1 (21) 814 Freddie Mac certificates 1,141 — (97) 1,044 U.S. Government and agency obligations 63,866 — (407) 63,459 Total $ 561,715 $ 1 $ (53,392) $ 508,324 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
Securities Portfolio by Maturity	The following is a summary of our securities portfolio by remaining period to contractual maturity and yield at September 30, 2023. 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. September 30, 2023 September 30, 2022 Amortized Cost Fair Value Weighted Average Yield Amortized Cost Fair Value Weighted Average Yield Due in one year or less $ 59,948 $ 59,936 5.13 % $ — $ — — % Due after one to five years 10,529 9,929 2.00 % 15,476 14,775 2.06 % Due after five to 10 years 31,372 29,381 2.42 % 38,927 37,204 2.30 % 10 years or greater 459,866 409,078 2.82 % 447,194 405,929 2.25 % Total $ 561,715 $ 508,324 3.03 % $ 501,597 $ 457,908 2.25 %
Debt Securities, Available-for-sale, Unrealized Loss Position, Fair Value	Gross unrealized losses on available- for- sale securities and the estimated fair value of the related securities, aggregated by the length of time the securities have been in a continuous unrealized loss position, at September 30, 2023 and 2022, were as follows: September 30, 2023 Less Than 12 Months 12 Months or More Total Estimated Unrealized Estimated Unrealized Estimated Unrealized Available for sale— REMICs $ 80,452 $ 1,749 $ 362,555 $ 51,118 $ 443,007 $ 52,867 Fannie Mae certificates 578 21 — — 578 21 Freddie Mac certificates 1,045 97 — — 1,045 97 U.S. Government and agency obligations 59,813 11 3,646 396 63,459 407 Total $ 141,888 $ 1,878 $ 366,201 $ 51,514 $ 508,089 $ 53,392 September 30, 2022 Less Than 12 Months 12 Months or More Total Estimated Unrealized Estimated Unrealized Estimated Unrealized Available for sale— REMICs $ 261,795 $ 17,260 $ 190,739 $ 26,002 $ 452,534 $ 43,262 Fannie Mae certificates 217 4 — — 217 4 U.S. Government and agency obligations 3,619 438 — — 3,619 438 Total $ 265,631 $ 17,702 $ 190,739 $ 26,002 $ 456,370 $ 43,704

Loans And Allowance For Loan _2

Loans And Allowance For Loan Losses (Tables)	12 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Schedule of Loans Held For Investment	Loans held for investment consist of the following: September 30, September 30, 2023 2022 Real estate loans: Residential Core $ 12,078,158 $ 11,539,859 Residential Home Today 46,508 53,255 Home equity loans and lines of credit 3,030,526 2,633,878 Construction 48,406 121,759 Real estate loans 15,203,598 14,348,751 Other loans 4,411 3,263 Add (deduct): Deferred loan expenses, net 60,807 50,221 Loans-in-process (25,754) (72,273) Allowance for credit losses on loans (77,315) (72,895) Loans held for investment, net $ 15,165,747 $ 14,257,067
Schedule Of Recorded Investment In Loan Receivables That Are Past Due	An aging analysis of the amortized cost in loan receivables that are past due at September 30, 2023 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 Days 60-89 Days 90 Days Total Past Current Total September 30, 2023 Real estate loans: Residential Core $ 3,680 $ 1,763 $ 8,268 $ 13,711 $ 12,089,228 $ 12,102,939 Residential Home Today 666 323 855 1,844 44,186 46,030 Home equity loans and lines of credit 3,271 690 3,876 7,837 3,059,444 3,067,281 Construction — — — — 22,401 22,401 Total real estate loans 7,617 2,776 12,999 23,392 15,215,259 15,238,651 Other loans — — — — 4,411 4,411 Total $ 7,617 $ 2,776 $ 12,999 $ 23,392 $ 15,219,670 $ 15,243,062 30-59 60-89 90 Days Total Past Current Total September 30, 2022 Real estate loans: Residential Core $ 2,725 $ 1,491 $ 9,281 $ 13,497 $ 11,545,784 $ 11,559,281 Residential Home Today 1,341 770 861 2,972 49,836 52,808 Home equity loans and lines of credit 1,599 796 2,321 4,716 2,661,416 2,666,132 Construction — — — — 48,478 48,478 Total real estate loans 5,665 3,057 12,463 21,185 14,305,514 14,326,699 Other loans — — — — 3,263 3,263 Total $ 5,665 $ 3,057 $ 12,463 $ 21,185 $ 14,308,777 $ 14,329,962
Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status	The amortized cost of loan receivables in non-accrual status is summarized in the following table. Non-accrual with no ACL describes non-accrual loans which have no quantitative or individual valuation allowance, primarily because they have already been collaterally reviewed and any required charge-offs have been taken, but may be included in consideration of qualitative allowance factors. Balances are adjusted for deferred loan fees and expenses. There are no loans 90 or more days past due and still accruing at September 30, 2023 or September 30, 2022. September 30, 2023 September 30, 2022 Non-accrual with No ACL Total Non-accrual with No ACL Total Real estate loans: Residential Core $ 15,691 $ 19,414 $ 20,995 $ 22,644 Residential Home Today 4,511 4,623 5,753 6,037 Home equity loans and lines of credit 7,035 7,877 6,668 6,925 Total non-accrual loans $ 27,237 $ 31,914 $ 33,416 $ 35,606
Allowance for Credit Losses on Financing Receivables	Activity in the allowance for credit losses by portfolio segment is summarized as follows. See Note 15. COMMITMENTS AND CONTINGENT LIABILITIES for further details on the allowance for unfunded commitments. For the Year Ended September 30, 2023 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 53,506 $ 1,000 $ (257) $ 1,126 $ 55,375 Residential Home Today (997) (2,370) (320) 2,451 (1,236) Home equity loans and lines of credit 20,032 (399) (665) 4,079 23,047 Construction 354 (225) — — 129 Total real estate loans $ 72,895 $ (1,994) $ (1,242) $ 7,656 $ 77,315 Total Unfunded Loan Commitments (1) $ 27,021 $ 494 $ — $ — $ 27,515 Total Allowance for Credit Losses $ 99,916 $ (1,500) $ (1,242) $ 7,656 $ 104,830 For the Year Ended September 30, 2022 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 44,523 $ 6,298 $ (247) $ 2,932 $ 53,506 Residential Home Today 15 (3,411) (249) 2,648 (997) Home equity loans and lines of credit 19,454 (3,820) (954) 5,352 20,032 Construction 297 (118) — 175 354 Total real estate loans $ 64,289 $ (1,051) $ (1,450) $ 11,107 $ 72,895 Total Unfunded Loan Commitments (1) $ 24,970 $ 2,051 $ — $ — $ 27,021 Total Allowance for Credit Losses $ 89,259 $ 1,000 $ (1,450) $ 11,107 $ 99,916 (1) Total allowance for unfunded loan commitments is recorded in other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit.
Schedule Of Recorded Investment In Troubled Debt Restructured Loans Modified	The amortized cost in TDRs by category as of September 30, 2023 and September 30, 2022 is shown in the tables below. September 30, 2023 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 28,546 $ 15,730 $ 9,577 $ 53,853 Residential Home Today 9,390 10,114 1,691 21,195 Home equity loans and lines of credit 21,063 2,460 879 24,402 Total $ 58,999 $ 28,304 $ 12,147 $ 99,450 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 For the Year Ended September 30, 2023 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 2,866 $ 1,784 $ 1,037 $ 5,687 Residential Home Today 356 342 31 729 Home equity loans and lines of credit 1,289 233 1 1,523 Total $ 4,511 $ 2,359 $ 1,069 $ 7,939 For the Year Ended September 30, 2022 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 3,823 $ 1,533 $ 1,142 $ 6,498 Residential Home Today 202 1,071 45 1,318 Home equity loans and lines of credit 510 175 163 848 Total $ 4,535 $ 2,779 $ 1,350 $ 8,664 For the Year Ended September 30, 2021 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 9,364 $ 1,981 $ 1,614 $ 12,959 Residential Home Today 362 1,432 103 1,897 Home equity loans and lines of credit 1,466 1,223 417 3,106 Total $ 11,192 $ 4,636 $ 2,134 $ 17,962 The table below summarizes information about TDRs restructured within 12 months of the period presented for which there was a subsequent payment default (at least 30 days past due on one scheduled payment) during the periods presented. For the Year Ended September 30, 2023 For the Year Ended September 30, 2022 For the Year Ended September 30, 2021 TDRs That Subsequently Defaulted Number of Recorded Number of Recorded Number of Recorded Residential Core 6 $ 575 5 $ 780 6 $ 948 Residential Home Today 5 207 5 90 7 194 Home equity loans and lines of credit 1 46 2 108 1 42 Total 12 $ 828 12 $ 978 14 $ 1,184
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 all construction loans are classified Pass for both periods presented. Balances are adjusted for deferred loan fees and expenses and any applicable loans-in-process. Revolving Loans Revolving Loans By fiscal year of origination Amortized Converted 2023 2022 2021 2020 2019 Prior Cost Basis To Term Total September 30, 2023 Real estate loans: Residential Core Pass $ 1,667,029 $ 3,169,609 $ 2,054,744 $ 1,342,854 $ 563,955 $ 3,275,978 $ — $ — $ 12,074,169 Special Mention — — 612 — 106 1,025 — — 1,743 Substandard 185 823 1,285 1,806 721 22,207 — — 27,027 Total Residential Core 1,667,214 3,170,432 2,056,641 1,344,660 564,782 3,299,210 — — 12,102,939 Residential Home Today (1) Pass — — — — — 40,335 — — 40,335 Substandard — — — — — 5,695 — — 5,695 Total Residential Home Today — — — — — 46,030 — — 46,030 Home equity loans and lines of credit Pass 210,131 72,229 23,989 6,965 6,192 13,704 2,657,028 63,399 3,053,637 Special Mention — 129 — 52 32 102 2,830 370 3,515 Substandard — — 140 96 — 120 4,849 4,924 10,129 Total Home equity loans and lines of credit 210,131 72,358 24,129 7,113 6,224 13,926 2,664,707 68,693 3,067,281 Total Construction 11,646 10,755 — — — — — — 22,401 Total real estate loans Pass 1,888,806 3,252,593 2,078,733 1,349,819 570,147 3,330,017 2,657,028 63,399 15,190,542 Special Mention — 129 612 52 138 1,127 2,830 370 5,258 Substandard 185 823 1,425 1,902 721 28,022 4,849 4,924 42,851 Total real estate loans $ 1,888,991 $ 3,253,545 $ 2,080,770 $ 1,351,773 $ 571,006 $ 3,359,166 $ 2,664,707 $ 68,693 $ 15,238,651

Mortgage Loan Servicing Rights

Mortgage Loan Servicing Rights (Tables)	12 Months Ended
	Sep. 30, 2023
Disclosures Pertaining to Servicing Assets and Servicing Liabilities [Abstract]
Primary Economic Assumptions Used To Measure The Company's Retained Interest	Primary economic assumptions used to measure the value of the Company’s retained interests at the date of sale resulting from the completed transactions were as follows (per annum): 2023 2022 Primary prepayment speed assumptions (weighted average annual rate) 17.6 % 11.9 % Weighted average life (years) 25.3 24.1 Amortized cost to service loans (weighted average) 0.12 % 0.12 % Weighted average discount rate 12 % 12 %
Key Economic Assumptions And Sensitivity	Key economic assumptions and the sensitivity of the current fair value of mortgage loan servicing rights to immediate 10% and 20% adverse changes in those assumptions are as presented in the following table. The three key economic assumptions that impact the valuation of the mortgage loan servicing rights are: (1) the prepayment speed, or how long the mortgage servicing right will be outstanding; (2) the estimate of servicing costs that will be incurred in fulfilling the mortgage servicing right responsibilities; and (3) the discount factor applied to future net cash flows to convert them to present value. The Company established these factors based on independent analysis of our portfolio and reviews these assumptions periodically to ensure that they reasonably reflect current market conditions and our loan portfolio experience. September 30, 2023 Fair value of mortgage loan servicing rights $ 15,916 Prepayment speed assumptions (weighted average annual rate) 9.4 % Impact on fair value of 10% adverse change $ (629) Impact on fair value of 20% adverse change $ (1,180) Estimated prospective annual cost to service loans (weighted average) 0.12 % Impact on fair value of 10% adverse change $ (1,446) Impact on fair value of 20% adverse change $ (2,869) Discount rate 12.0 % Impact on fair value of 10% adverse change $ (590) Impact on fair value of 20% adverse change $ (1,114)
Activity In Mortgage Servicing Assets	Activity in mortgage servicing rights is summarized as follows: Year Ended September 30, 2023 2022 2021 Balance—beginning of year $ 7,943 $ 8,941 $ 7,860 Additions from loan securitizations/sales 322 657 3,836 Amortization (1) (865) (1,655) (2,764) Net change in valuation allowance — — 9 Balance—end of year $ 7,400 $ 7,943 $ 8,941 Fair value of capitalized amounts $ 15,916 $ 15,288 $ 17,454

Premises, Equipment And Softw_2

Premises, Equipment And Software, Net (Tables)	12 Months Ended
	Sep. 30, 2023
Property, Plant and Equipment, Net [Abstract]
Schedule Of Premises, Equipment And Software At Cost	Premises, equipment and software at cost are summarized as follows: September 30, 2023 2022 Land $ 8,610 $ 8,610 Office buildings 62,090 61,312 Furniture, fixtures and equipment 40,634 39,899 Software 21,591 20,048 Leasehold improvements 11,018 11,071 143,943 140,940 Less: accumulated depreciation and amortization (109,235) (106,409) Total $ 34,708 $ 34,531

Leases (Tables)

Leases (Tables)	12 Months Ended
	Sep. 30, 2023
Leases [Abstract]
Summary Of Operating Leases	The following table summarizes information relating to the Company's operating leases: September 30, 2023 2022 Right-of-use assets (a) $ 37,517 $ 30,189 Lease liabilities (b) $ 18,209 $ 15,775 Weighted Average Remaining Lease Term 5.10 years 5.06 years Weighted Average Discount Rate 2.44% 1.49% (a) Included in Other assets in the CONSOLIDATED STATEMENTS OF CONDITION (b) Included in Accrued expenses and other liabilities in the CONSOLIDATED STATEMENTS OF CONDITION
Maturity Analysis Of Lease Liabilities	The following table summarizes the maturities of lease liabilities at the periods presented: September 30, 2023 2022 Maturing in: 12 months or less $ 5,478 $ 4,953 13 to 24 months 4,763 3,903 25 to 36 months 3,288 3,044 37 to 48 months 2,067 1,810 49 to 60 months 1,347 591 over 60 months 2,577 2,230 Total minimum lease payments 19,520 16,531 Less imputed interest 1,311 756 Total lease liabilities $ 18,209 $ 15,775

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Sep. 30, 2023
Deposits [Abstract]
Summary Of Deposit Account Balances	Deposit account balances are summarized by interest rate as follows: Stated September 30, 2023 2022 Amount Percent Amount Percent Checking accounts 0.00–1.00% $ 983,396 10.4 % $ 1,210,035 13.6 % Savings accounts, excluding money market accounts 0.00–4.22 1,460,601 15.5 1,364,821 15.3 Money market accounts 0.00–3.93 346,479 3.7 481,650 5.4 Subtotal 2,790,476 29.6 3,056,506 34.3 Certificates of deposit 0.00–0.99 981,728 10.4 3,157,495 35.4 1.00–1.99 685,170 7.2 1,002,227 11.2 2.00–2.99 941,842 10.0 1,320,579 14.8 3.00–3.99 1,173,211 12.4 378,587 4.2 4.00–4.99 1,346,720 14.3 3,386 0.1 5.00 and above 1,520,311 16.1 — — 6,648,982 70.4 5,862,274 65.7 Subtotal 9,439,458 100.0 8,918,780 100.0 Accrued interest 10,362 — 2,237 — Total deposits $ 9,449,820 100.0 % $ 8,921,017 100.0 %
Scheduled Maturity Of Certificates Of Deposit	The scheduled maturity of certificates of deposit is as follows: September 30, 2023 Amount Percent Weighted 12 months or less $ 3,419,349 51.4 % 3.46 % 13 to 24 months 764,512 11.5 % 2.01 % 25 to 36 months 1,506,491 22.7 % 4.07 % 37 to 48 months 501,945 7.5 % 2.92 % 49 to 60 months 440,012 6.6 % 4.22 % Over 60 months 16,673 0.3 % 1.72 % Total $ 6,648,982 100.0 % 3.44 %
Scheduled Of Interest Expense On Deposits	Interest expense on deposits is summarized as follows: Year Ended September 30, 2023 2022 2021 Certificates of deposit $ 143,434 $ 68,204 $ 93,187 Checking accounts 6,081 4,186 1,140 Savings and money market accounts 24,686 4,553 2,992 Total $ 174,201 $ 76,943 $ 97,319

Borrowed Funds (Tables)

Borrowed Funds (Tables)	12 Months Ended
	Sep. 30, 2023
Debt Disclosure [Abstract]
Total Borrowings	Total borrowings at September 30, 2023 are summarized in the table below: Borrowing Capacity Borrowings Available Borrowings Outstanding FHLB $ 6,632,811 $ 1,381,951 $ 5,250,860 FRB Cleveland 126,442 126,442 — Fed Funds purchased 585,000 585,000 — Subtotal $ 7,344,253 $ 2,093,393 5,250,860 Accrued interest 22,777 Total borrowings $ 5,273,637
Schedule of Federal Home Loan Bank (FHLB) Borrowings	Maturities of borrowings at September 30, 2023 are summarized in the table below: Amount Weighted Average Rate Maturing in: 12 months or less $ 1,417,000 3.19 % 13 to 24 months 700,000 2.26 % 25 to 36 months 775,548 2.74 % 37 to 48 months 725,000 2.90 % 49 to 60 months 577,273 3.80 % over 60 months 1,056,039 3.36 % Total advances $ 5,250,860 3.06 % Accrued interest 22,777 Total $ 5,273,637

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Sep. 30, 2023
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The change in AOCI by component is as follows: Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Fiscal year 2021 activity Balance at September 30, 2020 $ 4,694 $ (114,306) $ (22,353) $ (131,965) Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $8,656 (3,733) 20,914 9,937 27,118 Amounts reclassified, net of tax expense (benefit) of $9,907 — 35,182 1,864 37,046 Other comprehensive income (loss) (3,733) 56,096 11,801 64,164 Balance at September 30, 2021 $ 961 $ (58,210) $ (10,552) $ (67,801) Fiscal year 2022 activity Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $21,242 (34,860) 109,452 (1,665) 72,927 Amounts reclassified, net of tax expense (benefit) of $5,212 — 17,641 382 18,023 Other comprehensive income (loss) (34,860) 127,093 (1,283) 90,950 Balance at September 30, 2022 $ (33,899) $ 68,883 $ (11,835) $ 23,149 Fiscal year 2023 activity Other comprehensive income (loss) before reclassifications, net of tax expense (benefit) of $31,998 (7,274) 112,851 1,904 107,481 Amounts reclassified, net of tax expense (benefit) of $(13,383) — (46,202) 784 (45,418) Other comprehensive income (loss) (7,274) 66,649 2,688 62,063 Balance at September 30, 2023 $ (41,173) $ 135,532 $ (9,147) $ 85,212
Reclassification out of Accumulated Other Comprehensive Income	The following table presents the reclassification adjustment out of AOCI included in net income and the corresponding line item on the CONSOLIDATED STATEMENTS OF INCOME for the periods indicated: Details about AOCI Components For the Years Ended September 30, Line Item in the Statement of Income 2023 2022 2021 Cash flow hedges: Interest (income) expense $ (59,821) $ 22,740 $ 44,534 Interest expense Net income tax effect 13,619 (5,099) (9,352) Income tax expense Net of income tax expense (benefit) $ (46,202) $ 17,641 $ 35,182 Amortization of defined benefit plan: Actuarial loss $ 1,020 $ 495 $ 2,419 (a) Net income tax effect (236) (113) (555) Income tax expense Net of income tax expense 784 382 1,864 Total reclassifications for the period $ (45,418) $ 18,023 $ 37,046 (a) These items are included in the computation of net period pension cost. See Note 13. EMPLOYEE BENEFIT PLANS

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Sep. 30, 2023
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Schedule Of Components Of The Income Tax Provision	The components of the income tax provision are as follows: Year Ended September 30, 2023 2022 2021 Current tax expense (benefit): Federal $ 13,602 $ 41,812 $ 31,043 State 781 2,553 2,230 Deferred tax expense (benefit): Federal 3,681 (24,691) (13,548) State 53 (2,185) (638) Income tax provision $ 18,117 $ 17,489 $ 19,087
Schedule Of Reconciliation From Tax At The Statutory Rate To The Income Tax Provision	Reconciliation from tax at the federal statutory rate to the income tax provision is as follows: Year Ended September 30, 2023 2022 2021 Tax at statutory rate 21.0 % 21.0 % 21.0 % State tax, net 0.7 0.3 1.3 Non-taxable income from bank owned life insurance contracts (2.1) (2.3) (2.1) Non-deductible compensation 1.0 1.4 0.9 Equity based compensation 0.2 (0.1) (1.3) Employee (Associate) Stock Ownership Plan (1.5) (1.2) (0.8) Other, net 0.1 (0.1) 0.1 Income tax provision 19.4 % 19.0 % 19.1 %
Schedule Of Deferred Tax Recognition Of Revenue And Expenses	Temporary differences between the financial statement carrying amounts and tax basis of assets and liabilities that gave rise to significant portions of net deferred taxes relate to the following: September 30, 2023 2022 Deferred tax assets: Loan loss reserve $ 29,390 $ 27,659 Deferred compensation 4,215 4,198 Lease liability 4,251 3,599 Property, equipment and software basis difference 975 1,413 Other 2,099 2,220 Total deferred tax assets 40,930 39,089 Deferred tax liabilities: FHLB stock basis difference 5,135 5,017 Mortgage servicing rights 1,514 1,551 Pension 2,843 2,119 Goodwill 2,158 2,132 Lease ROU asset 4,160 3,514 Fair value adjustment 20,969 — Deferred loan costs, net of fees 15,005 13,371 Other 2,328 2,219 Total deferred tax liabilities 54,112 29,923 Net deferred tax asset (liability) $ (13,182) $ 9,166

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Sep. 30, 2023
Retirement Benefits [Abstract]
Change In Projected Benefit Obligation For The Defined Benefit Plan	The following table sets forth the change in projected benefit obligation for the defined benefit plan: September 30, 2023 2022 Projected benefit obligation at beginning of year $ 65,015 $ 88,276 Interest cost 3,324 2,628 Actuarial (gain) loss and other (3,764) (19,783) Settlement — (4,292) Benefits paid (4,140) (1,814) Projected benefit obligation at end of year $ 60,435 $ 65,015
Reconciliation Of The Beginning And Ending Balances Of The Fair Value Of Plan Assets And Funded Status Of The Plan	The following table reconciles the beginning and ending balances of the fair value of Plan assets and presents the funded status of the Plan recognized in the CONSOLIDATED STATEMENTS OF CONDITION at the September 30 measurement dates. There were no employer contributions in the years ending September 30, 2023 and 2022. September 30, 2023 2022 Fair value of plan assets at beginning of year $ 74,042 $ 97,971 Actual return on plan assets 2,481 (17,823) Benefits paid (4,140) (1,814) Settlement — (4,292) Fair value of plan assets at end of year $ 72,383 $ 74,042 Funded status of the plan—asset (liability) $ 11,948 $ 9,027
Components Of Net Periodic Benefit Cost Recognized In The Statement Of Income	The components of net periodic cost recognized in other non-interest expense in the CONSOLIDATED STATEMENTS OF INCOME are as follows: Year Ended September 30, 2023 2022 2021 Interest Cost $ 3,324 $ 2,628 $ 2,536 Expected return on plan assets (3,872) (4,987) (4,997) Amortization of net loss and other 1,020 576 1,466 Recognized net loss due to settlement — 882 792 Net periodic benefit (income) cost $ 472 $ (901) $ (203)
Fair Value Of Plan Assets By Asset Category At The Measurement Date	As of September 30, 2023, the Plan had $0 invested in pooled separate accounts due to the Plan moving to an LDI strategy. The LDI strategy derisks the Plan by allocating more to long-duration, fixed income assets. The Plan's target asset allocation is now 80% in LDI fixed income and 20% in equity. At September 30, 2022, $43.8 million were invested in pooled separate accounts with a redemption notice of 7 days. The following table summarizes Plan assets measured at fair value on a recurring basis as of September 30, 2023 and 2022. See FN 16. FAIR VALUE for more information on how our fair value hierarchy is evaluated: Recurring Fair Value Measurements at Reporting Date Using September 30, 2023 Total Fair Value Quoted Prices in Significant Other Significant Cash equivalents $ 1,001 $ 1,001 $ — $ — Fixed income: U.S. government obligations 2,550 2,550 — — Corporate debt securities 42,573 — 42,573 — Government strips 8,617 — 8,617 — Total fixed income 53,740 2,550 51,190 — Mutual equity funds 15,791 15,791 — — Total (1) $ 70,532 $ 19,342 $ 51,190 $ — (1) Plan assets measured at fair value on a recurring basis excludes approximately $1,851 of unsettled security transactions. Recurring Fair Value Measurements at Reporting Date Using September 30, 2022 Total Fair Value Quoted Prices in Significant Other Significant Mutual equity funds $ 30,271 $ 30,271 $ — $ — Total $ 30,271 $ 30,271 $ — $ —
Schedule Of Additional Information Is Provided With Respect To The Plan	The following additional information is provided with respect to the Plan: September 30, 2023 2022 2021 Assumptions and dates used to determine benefit obligations: Discount rate 5.75 % 5.35 % 2.85 % Rate of compensation increase n/a n/a n/a Assumptions used to determine net periodic benefit cost: Discount rate 5.35 % 4.60 % 2.80 % Long-term rate of return on plan assets 5.50 % 5.50 % 5.50 % Rate of compensation increase (graded scale) n/a n/a n/a
Estimates Of Expected Future Benefit Payments	The following table provides estimates of expected future benefit payments during each of the next five fiscal years, as well as in the aggregate for years six through 10. Additionally, the table includes the minimum employer contributions expected during the next fiscal year: Expected Benefit Payments During the Fiscal Years Ending September 30: 2024 $ 5,870 2025 3,890 2026 4,060 2027 4,260 2028 4,210 Aggregate expected benefit payments during the five fiscal year period beginning October 1, 2028, and ending September 30, 2033 23,330 Minimum employer contributions expected to be paid during the fiscal year ending September 30, 2024 —

Equity Incentive Plan (Tables)

Equity Incentive Plan (Tables)	12 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
Summary of Share-based Compensation Expense	The following table presents share-based compensation expense and the related tax benefit recognized during the periods presented: Year Ended September 30, 2023 2022 2021 Restricted stock units expense $ 3,366 $ 3,206 $ 4,160 Performance share units expense 874 739 1,214 Stock option expense — — 68 Total stock-based compensation expense $ 4,240 $ 3,945 $ 5,442 Tax benefit related to share-based compensation expense $ 778 $ 677 $ 999
Summary Of The Status Of The Company's Restricted Stock Units And Changes	The following is a summary of the status of the Company’s restricted stock units as of September 30, 2023, and changes therein during the year then ended: Number of Weighted Outstanding at September 30, 2022 1,257,898 $ 14.17 Granted 174,550 $ 13.69 Released (91,765) $ 17.86 Forfeited (850) $ 17.77 Outstanding at September 30, 2023 (1) 1,339,833 $ 13.85
Share-based Payment Arrangement, Performance Shares, Activity [Table Text Block]	The following is a summary of the status of the Company’s performance share units as of September 30, 2023, and changes therein during the year then ended. No awards were forfeited during the year ended September 30, 2023. Number of Weighted Outstanding at September 30, 2022 169,954 18.46 Granted 102,000 13.69 Released (58,277) 19.76 Performance adjustment 4,394 17.77 Outstanding at September 30, 2023 218,071 15.87
Summary Of The Company's Stock Option Activity And Related Information For The Equity Plan	The following is a summary of the Company’s stock option activity and related information for the Equity Plan for the year ended September 30, 2023. There were no stock options granted during 2023, 2022 and 2021. Number of Weighted Weighted Aggregate Outstanding at September 30, 2022 2,361,175 $ 15.14 3.32 $ 429 Exercised (315,200) $ 11.64 $ 820 Forfeited or expired (54,000) $ 14.94 $ — Outstanding at September 30, 2023 1,991,975 $ 15.69 2.66 $ — Vested and exercisable, at September 30, 2023 1,991,975 $ 15.69 2.66 $ — Vested or expected to vest, at September 30, 2023 1,991,975 $ 15.69 2.66 $ —

Commitments And Contingent Li_2

Commitments And Contingent Liabilities (Tables)	12 Months Ended
	Sep. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule Of Commitments To Originate And Unfunded Commitments	At September 30, 2023, the Company had commitments to originate or purchase loans and related allowances as follows: Commitment Allowance Fixed-rate mortgage loans $ 130,448 $ 673 Adjustable-rate mortgage loans 44,034 232 Home equity loans and lines of credit 174,942 2,547 Total $ 349,424 $ 3,452 At September 30, 2023, the Company had unfunded commitments outstanding and related allowances as follows: Commitment Allowance Home equity lines of credit $ 4,696,512 $ 23,811 Construction loans 25,754 252 Total $ 4,722,266 $ 24,063

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Fair Value Of Assets And Liabilities Measured On Recurring Basis	Assets and liabilities carried at fair value on a recurring basis in the CONSOLIDATED STATEMENTS OF CONDITION at September 30, 2023 and 2022 are summarized below. Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Assets Investment securities available for sale: REMIC’s $ 443,007 $ — $ 443,007 $ — Fannie Mae certificates 814 — 814 — Freddie Mac certificates 1,044 — 1,044 — U.S. government and agency obligations 63,459 — 63,459 — Derivatives: Forward commitments for the sale of mortgage loans 11 — 11 — Total $ 508,335 $ — $ 508,335 $ — Liabilities Derivatives: Interest rate lock commitments 1 — — 1 Total $ 1 $ — $ — $ 1 Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Assets Investment securities available for sale: REMIC’s $ 453,268 $ — $ 453,268 $ — Fannie Mae certificates 1,021 — 1,021 — U.S. government and agency obligations 3,619 — 3,619 — Total $ 457,908 $ — $ 457,908 $ — Liabilities Derivatives: Interest rate lock commitments 333 — — 333 Total $ 333 $ — $ — $ 333
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation of the beginning and ending balances and the location within the CONSOLIDATED STATEMENTS OF INCOME where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3). Interest Rate Lock Commitments Year Ended September 30, 2023 2022 2021 Beginning balance $ (333) $ 525 $ 1,194 (Loss)/Gain during the period due to changes in fair value: Included in other non-interest income 332 (858) (669) Ending balance $ (1) $ (333) $ 525 Change in unrealized gains for the period included in earnings for $ (1) $ (333) $ 525
Assets Measured At Fair Value On A Nonrecurring Basis	Summarized in the tables below are those assets measured at fair value on a nonrecurring basis. Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Collateral-dependent loans, net of allowance $ 38,289 $ — $ — $ 38,289 Mortgage loans held for sale 3,260 — 3,260 — Real estate owned (1) 1,413 — — 1,413 Total $ 42,962 $ — $ 3,260 $ 39,702 ______________________ (1) Amounts represent fair value measurements of properties before deducting estimated costs to dispose. Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant Collateral-dependent loans, net of allowance $ 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 ______________________
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 mortgage origination applications. Fair Value September 30, 2023 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $38,289 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 30% 4.8% Interest rate lock commitments $(1) Quoted Secondary Market pricing Closure rate 0 - 100% 99.5% 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 . September 30, 2023 Carrying Estimated Fair Value Amount Total Level 1 Level 2 Level 3 Assets: Cash and due from banks $ 29,134 $ 29,134 $ 29,134 $ — $ — Interest earning cash equivalents 437,612 437,612 437,612 — — Investment securities available for sale 508,324 508,324 — 508,324 — Mortgage loans held for sale 3,260 3,260 — 3,260 — Loans, net: Mortgage loans held for investment 15,161,336 13,262,711 — — 13,262,711 Other loans 4,411 4,411 — — 4,411 Federal Home Loan Bank stock 247,098 247,098 N/A — — Accrued interest receivable 53,910 53,910 — 53,910 — Cash collateral received from or held by counterparty 24,887 24,887 24,887 — — Derivatives 11 11 — 11 — Liabilities: Checking and passbook accounts $ 2,790,476 $ 2,790,476 $ — $ 2,790,476 $ — Certificates of deposit 6,659,344 6,571,674 — 6,571,674 — Borrowed funds 5,273,637 5,256,278 — 5,256,278 — Borrowers’ advances for taxes and insurance 124,417 124,417 — 124,417 — Principal, interest and escrow owed on loans serviced 29,811 29,811 — 29,811 — Derivatives 1 1 — — 1 September 30, 2022 Carrying Estimated Fair Value Amount Total Level 1 Level 2 Level 3 Assets: Cash and due from banks $ 18,961 $ 18,961 $ 18,961 $ — $ — Interest earning cash equivalents 350,603 350,603 350,603 — — Investment securities available for sale 457,908 457,908 — 457,908 — Mortgage loans held for sale 9,661 9,661 — 9,661 — Loans, net: Mortgage loans held for investment 14,253,804 13,106,346 — — 13,106,346 Other loans 3,263 3,263 — — 3,263 Federal Home Loan Bank stock 212,290 212,290 N/A — — Accrued interest receivable 40,256 40,256 — 40,256 — Cash collateral received from or held by counterparty 26,045 26,045 26,045 — — Liabilities: Checking and passbook accounts $ 3,056,506 $ 3,056,506 $ — $ 3,056,506 $ — Certificates of deposit 5,864,511 5,733,418 — 5,733,418 — Borrowed funds 4,793,221 4,734,377 — 4,734,377 — Borrowers’ advances for taxes and insurance 117,250 117,250 — 117,250 — Principal, interest and escrow owed on loans serviced 29,913 29,913 — 29,913 — Derivatives 333 333 — — 333

Derivative Instruments (Tables)

Derivative Instruments (Tables)	12 Months Ended
	Sep. 30, 2023
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	The following tables provide the locations within the CONSOLIDATED STATEMENTS OF CONDITION , notional values and fair values, at the reporting dates, for all derivative instruments. September 30, 2023 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets SOFR swaps $ 3,815,000 — 3.7 2.91 % Total cash flow hedges: Interest rate swaps $ 3,815,000 $ — 3.7 2.91 % September 30, 2022 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Cash flow hedges: Interest rate swaps Other Assets LIBOR swaps $ 1,550,000 $ — 2.7 1.88 % Total cash flow hedges: Interest rate swaps $ 1,550,000 $ — 2.7 1.88 %
Schedule of Effect of Derivative Instruments, Gain/(Loss) in Statement of Financial Performance	The following tables present the net gains and losses recorded within the CONSOLIDATED STATEMENTS OF INCOME and the CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME relating to derivative instruments. Location of Gain or (Loss) Year Ended September 30, 2023 2022 2021 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 146,807 $ 141,163 $ 27,848 Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds and Deposits 59,821 (22,740) (44,534) Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ 332 $ (858) $ (669) Forward commitments for the sale of mortgage loans Net gain/(loss) on the sale of loans 11 — 134

Parent Company Only Financial_2

Parent Company Only Financial Statements (Tables)	12 Months Ended
	Sep. 30, 2023
Condensed Financial Information Disclosure [Abstract]
Schedule Of Statements Of Condition	September 30, 2023 2022 Statements of Condition Assets: Cash and due from banks $ 1,424 $ 1,341 Investment securities - available for sale 3,646 3,619 Other loans: Demand loan due from Third Federal Savings and Loan 172,307 184,772 ESOP loan receivable 37,254 41,927 Investments in: Third Federal Savings and Loan 1,704,315 1,605,306 Non-thrift subsidiaries 8,268 8,104 Prepaid federal and state taxes 738 — Deferred income taxes 200 296 Accrued receivables and other assets 9,786 9,158 Total assets $ 1,937,938 $ 1,854,523 Liabilities and shareholders’ equity: Line of credit due non-thrift subsidiary $ 8,132 $ 7,485 Accrued expenses and other liabilities 2,445 2,532 Accrued federal and state income taxes — 167 Total liabilities 10,577 10,184 Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding — — Common stock, 0.01 par value, 700,000,000 shares authorized; 332,318,750 shares issued; 280,359,173 and 280,582,741 outstanding at September 30, 2023 and September 30, 2022, respectively 3,323 3,323 Paid-in capital 1,755,027 1,751,223 Treasury stock, at cost; 51,959,577 and 51,736,009 shares at September 30, 2023 and September 30, 2022, respectively (776,101) (771,986) Unallocated ESOP shares (27,084) (31,417) Retained earnings—substantially restricted 886,984 870,047 Accumulated other comprehensive income 85,212 23,149 Total shareholders’ equity 1,927,361 1,844,339 Total liabilities and shareholders’ equity $ 1,937,938 $ 1,854,523
Schedule Of Statements Of Comprehensive Income	Years Ended September 30, 2023 2022 2021 Statements of Comprehensive Income (Loss) Interest income: Demand loan due from Third Federal Savings and Loan $ 9,047 $ 1,600 $ 164 ESOP loan 2,433 1,400 1,732 Other interest income 54 6 1 Investment securities available for sale 45 43 — Total interest income 11,579 3,049 1,897 Interest expense: Borrowed funds from non-thrift subsidiaries 351 97 7 Total interest expense 351 97 7 Net interest income 11,228 2,952 1,890 Non-interest income: Intercompany service charges 30 30 85 Dividend from Third Federal Savings and Loan 40,000 56,000 55,000 Total other income 40,030 56,030 55,085 Non-interest expenses: Salaries and employee benefits 4,825 4,534 4,917 Professional services 1,253 1,456 1,566 Office property and equipment 13 13 3 Other operating expenses 217 223 176 Total non-interest expenses 6,308 6,226 6,662 Income before income tax benefit 44,950 52,756 50,313 Income tax benefit (1,294) (2,826) (3,848) Income before undistributed earnings of subsidiaries 46,244 55,582 54,161 Equity in undistributed earnings of subsidiaries (dividend in excess of earnings): Third Federal Savings and Loan 28,843 17,260 24,738 Non-thrift subsidiaries 163 1,723 2,108 Net income 75,250 74,565 81,007 Change in net unrealized gain (loss) on securities available for sale (7,273) (34,860) (3,733) Change in cash flow hedges 66,649 127,093 56,096 Change in pension obligation 2,688 (1,283) 11,801 Total other comprehensive income (loss) 62,064 90,950 64,164 Total comprehensive income $ 137,314 $ 165,515 $ 145,171
Schedule Of Statements Of Cash Flows	Years Ended September 30, 2023 2022 2021 Statements of Cash Flows Cash flows from operating activities: Net income $ 75,250 $ 74,565 $ 81,007 Adjustments to reconcile net income to net cash provided by operating activities: (Equity in undistributed earnings of subsidiaries) dividend in excess of earnings: Third Federal Savings and Loan (28,843) (17,260) (24,738) Non-thrift subsidiaries (163) (1,723) (2,108) Deferred income taxes 87 81 204 ESOP and stock-based compensation expense 1,863 1,543 1,843 Net decrease (increase) in interest receivable and other assets (1,351) 908 12,593 Net increase (decrease) in accrued expenses and other liabilities (273) 48 (200) Net cash provided by operating activities 46,570 58,162 68,601 Cash flows from investing activities: Purchase of securities available for sale — (4,071) — (Increase) decrease in balances lent to Third Federal Savings and Loan 12,465 304 (12,222) Net cash provided by (used in) investing activities 12,465 (3,767) (12,222) Cash flows from financing activities: Principal reduction of ESOP loan 4,673 4,527 4,063 Purchase of treasury shares (5,000) (5,049) — Dividends paid to common shareholders (58,294) (58,297) (56,637) Acquisition of treasury shares through net settlement (978) (1,241) (5,591) Net increase (decrease) in borrowings from non-thrift subsidiaries 647 1,649 1,787 Net cash used in financing activities (58,952) (58,411) (56,378) Net increase (decrease) in cash and cash equivalents 83 (4,016) 1 Cash and cash equivalents—beginning of year 1,341 5,357 5,356 Cash and cash equivalents—end of year $ 1,424 $ 1,341 $ 5,357

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Summary Of Earnings Per Share	The following is a summary of the Company’s EPS calculations. For the Year Ended September 30, 2023 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 75,250 Less: income allocated to restricted stock units 1,569 Basic earnings per share: Income available to common shareholders 73,681 277,436,382 $ 0.27 Diluted earnings per share: Effect of dilutive potential common shares 1,147,072 Income available to common shareholders $ 73,681 278,583,454 $ 0.26 For the Year Ended September 30, 2022 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 74,565 Less: income allocated to restricted stock units 1,510 Basic earnings per share: Income available to common shareholders 73,055 277,370,762 $ 0.26 Diluted earnings per share: Effect of dilutive potential common shares 1,315,603 Income available to common shareholders $ 73,055 278,686,365 $ 0.26 For the Year Ended September 30, 2021 Income Shares Per share (Dollars in thousands, except per share data) Net income $ 81,007 Less: income allocated to restricted stock units 1,555 Basic earnings per share: Income available to common shareholders 79,452 276,694,594 $ 0.29 Diluted earnings per share: Effect of dilutive potential common shares 1,881,660 Income available to common shareholders $ 79,452 278,576,254 $ 0.29
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share	The following is a summary of outstanding stock options and restricted and performance share units that are excluded from the computation of diluted EPS because their inclusion would be anti-dilutive. For the Year Ended September 30, 2023 2022 2021 Options to purchase shares 1,991,975 407,100 133,800 Restricted and performance share units 57,669 50,000 —

Description Of Business And S_3

Description Of Business And Summary Of Significant Accounting Policies (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2023 USD ($) branches offices	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Property, Plant and Equipment, Net	$ 34,708	$ 34,531
Gain (Loss) on Sale of Properties	0	181	$ 0
Financing Receivable, Allowance for Credit Loss	104,830	99,916	$ 89,259
Goodwill, Gross	9,732	9,732
Goodwill, impairment	0	0
Loans and Leases Receivable, Allowance	$ 77,315	$ 72,895
Third Federal Savings And Loan
Full-service branches | branches	37
Loan production offices | offices	4
Common Stock | Third Federal Savings MHC
Mutual Holding Companies Percentage Of ownership In TFS Financial	81.01%
Building
Useful life	31 years 6 months
Equipment and Software | Minimum
Useful life	3 years
Equipment and Software | Maximum
Useful life	10 years
Leasehold or building improvements
Useful life	10 years

Stock Transactions (Details)

Stock Transactions (Details) - Common Stock - shares		12 Months Ended
	Apr. 20, 2007	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021	Oct. 27, 2016
Class of Stock [Line Items]
Shares issued to Subscribers	100,199,618
Shares Issued to Subscribers, percentage	30.16%
Shares Issued to Third Federal Foundation	5,000,000
Shares Issued to Third Federal Foundation, Percentage	1.50%
Eighth Repurchase Program
Class of Stock [Line Items]
Number of shares authorized to be repurchased					10,000,000
Shares repurchased		361,869	337,259	0
Number of shares remaining to repurchase		5,191,951
Shares Repurchased Programs One Through Seven
Class of Stock [Line Items]
Number of shares repurchased under previous repurchase plans		51,300,000
Shares Repurchased To Date
Class of Stock [Line Items]
Number of shares repurchased under previous repurchase plans		56,108,049

Regulatory Matters Regulatory M

Regulatory Matters Regulatory Matters (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Third Federal Savings And Loan
Related Party Transaction [Line Items]
Dividends paid to the Company by the Association	$ 40,000	$ 56,000

Regulatory Matters (Summary Of

Regulatory Matters (Summary Of Actual Capital Amounts And Ratios Compared To Minimum Requirements) (Details) - Third Federal Savings And Loan $ in Thousands	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
Actual [Abstract]
Total Capital to Risk-Weighted Assets, Actual Amount	$ 1,709,596	$ 1,666,677
Core Capital to Adjusted Tangible Assets, Actual Amount	1,640,657	1,614,615
Tier 1 Capital to Risk-Weighted Assets, Actual Amount	1,640,657	1,614,615
Common Equity Tier One Capital	$ 1,640,657	$ 1,614,615
Total Capital to Risk-Weighted Assets, Actual Ratio	0.1787	0.1884
Core Capital to Adjusted Tangible Assets, Actual Ratio	0.0982	0.1033
Tier 1 Capital to Risk-Weighted Assets, Actual Ratio	0.1715	0.1825
Common Equity Tier One Capital Ratio	0.1715	0.1825
For Capital Adequacy Purposes [Abstract]
Total Capital to Risk-Weighted Assets Required For Capital Adequacy Purposes, Minimum Amount	$ 765,410	$ 707,788
Core Capital to Adjusted Tangible Assets Required For Capital Adequacy Purposes, Minimum Amount	667,958	625,020
Tier One Risk Based Capital Required for Capital Adequacy	574,057	530,841
Common Equity Tier One Capital Required for Capital Adequacy	$ 430,543	$ 398,130
Total Capital to Risk-Weighted Assets Required For Capital Adequacy Purposes, Minimum Ratio	0.0800	0.0800
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400	0.0400
Tier One Risk Based Capital Required for Capital Adequacy to Risk-Weighted Assets	0.0600	0.0600
Common Equity Tier 1 Capital to Risk-Weighted Assets for Capital Adequacy Purposes, Minimum Ratio	0.0450	0.0450
To Be Well Capitalized Under Prompt Corrective Action Provision [Abstract]
Total Capital to Risk-Weighted Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Amount	$ 956,762	$ 884,734
Core Capital to Adjusted Tangible Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Amount	834,948	781,275
Tier 1 Capital to Risk-Weighted Assets, Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Amount	765,410	707,788
Common Equity Tier One Capital Required to be Well-Capitalized	$ 621,896	$ 575,077
Total Capital to Risk-Weighted Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Ratio	0.1000	0.1000
Core Capital to Adjusted Tangible Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Ratio	0.0500	0.0500
Tier 1 Capital to Risk-Weighted Assets Required To be Well Capitalized Under Prompt Corrective Action Provision, Minimum Ratio	0.0800	0.0800
Common Equity Tier 1 Capital to Risk-Weighted Assets to be Well Capitalized Under Prompt Corrective Action Provision, Minimum Ratio	0.0650	0.0650

Investment Securities (Investme

Investment Securities (Investments Securities Available For Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Debt Securities, Available-for-sale [Line Items]
Accrued interest receivable	$ 53,910	$ 40,256
Amortized Cost	561,715	501,597
Gross Unrealized Gains	1	15
Gross Unrealized Losses	(53,392)	(43,704)
Fair Value	508,324	457,908
Investment Securities
Debt Securities, Available-for-sale [Line Items]
Accrued interest receivable	1,907	1,122
REMICs
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	495,874	496,529
Gross Unrealized Gains	0	1
Gross Unrealized Losses	(52,867)	(43,262)
Fair Value	443,007	453,268
Fannie Mae certificates
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	834	1,011
Gross Unrealized Gains	1	14
Gross Unrealized Losses	(21)	(4)
Fair Value	814	1,021
US Treasury Securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	63,866	4,057
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(407)	(438)
Fair Value	63,459	3,619
US Treasury Securities | Asset Pledged as Collateral | Margin Requirement
Debt Securities, Available-for-sale [Line Items]
Fair Value	59,813	$ 0
Freddie Mac certificates
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	1,141
Gross Unrealized Gains	0
Gross Unrealized Losses	(97)
Fair Value	$ 1,044

Investment Securities (Gross Un

Investment Securities (Gross Unrealized Losses On Securities And The Estimated Fair Value Of The Related Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 141,888	$ 265,631
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	1,878	17,702
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	366,201	190,739
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	51,514	26,002
Debt Securities, Available-for-sale, Unrealized Loss Position	508,089	456,370
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	53,392	43,704
REMICs
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	80,452	261,795
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	1,749	17,260
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	362,555	190,739
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	51,118	26,002
Debt Securities, Available-for-sale, Unrealized Loss Position	443,007	452,534
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	52,867	43,262
Fannie Mae Certificates
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	578	217
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	21	4
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	578	217
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	21	4
US Treasury Securities
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	59,813	3,619
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	11	438
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	3,646	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	396	0
Debt Securities, Available-for-sale, Unrealized Loss Position	63,459	3,619
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	407	$ 438
Freddie Mac certificates
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	1,045
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	97
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0
Debt Securities, Available-for-sale, Unrealized Loss Position	1,045
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 97

Investment Securities Maturitie

Investment Securities Maturities And Yield (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$ 59,948	$ 0
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	59,936	0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	10,529	15,476
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$ 9,929	$ 14,775
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year One Through Five	2%	2.06%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$ 31,372	$ 38,927
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$ 29,381	$ 37,204
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 5 Through 10	2.42%	2.30%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	$ 459,866	$ 447,194
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	$ 409,078	$ 405,929
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 10	2.82%	2.25%
Debt Securities, Available-for-sale, Amortized Cost	$ 561,715	$ 501,597
Debt Securities, Available-for-Sale, Weighted Average Yield	3.03%	2.25%
Investment securities available-for-sale	$ 508,324	$ 457,908
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, Year One	5.13%

Loans And Allowance For Loan _3

Loans And Allowance For Loan Losses (Loans Held For Investment) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Loan Portfolio [Line Items]
Deferred loan fees-net	$ 60,807	$ 50,221
Loans-in-process	(25,754)	(72,273)
Allowance for loan losses	(77,315)	(72,895)
Loans, net	15,165,747	14,257,067
Other Loans
Loan Portfolio [Line Items]
Loans, gross	4,411	3,263
Real Estate Loans
Loan Portfolio [Line Items]
Loans, gross	15,203,598	14,348,751
Real Estate Loans | Residential Core
Loan Portfolio [Line Items]
Loans, gross	12,078,158	11,539,859
Real Estate Loans | Residential Home Today
Loan Portfolio [Line Items]
Loans, gross	46,508	53,255
Real Estate Loans | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Loans, gross	3,030,526	2,633,878
Real Estate Loans | Construction Loans
Loan Portfolio [Line Items]
Loans, gross	$ 48,406	$ 121,759

Loans And Allowance For Loan _4

Loans And Allowance For Loan Losses (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Loan Portfolio [Line Items]
Accrued interest receivable	$ 53,910	$ 40,256
Loans classified as mortgage loans held for sale	3,260	9,661
Transfer of Loans Held-for-sale to Portfolio Loans	8,433	22,741	$ 0
Recoveries	7,656	11,107
Qualitative component of allowance
Loan Portfolio [Line Items]
Recoveries	13,425	$ 7,085
Home Today loans Originated After September 2016
Loan Portfolio [Line Items]
Loans, gross	$ 0
Home Equity Loans And Lines Of Credit | California
Loan Portfolio [Line Items]
Residential real estate loans held, percent	17%	16%
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 | Florida
Loan Portfolio [Line Items]
Residential real estate loans held, percent	22%	20%
Residential Core, Home Today and Construction Loans | Ohio
Loan Portfolio [Line Items]
Residential real estate loans held, percent	57%	56%
Residential Core, Home Today and Construction Loans | Florida
Loan Portfolio [Line Items]
Residential real estate loans held, percent	18%	18%
Other Loans
Loan Portfolio [Line Items]
Loans, gross	$ 4,411	$ 3,263
Other Loans | Nonperforming
Loan Portfolio [Line Items]
Loans, gross	$ 0	0
Home Equity Member After 2016
Loan Portfolio [Line Items]
Draw Period On New Originations	10 years
Home Equity Member Prior to 2016
Loan Portfolio [Line Items]
Draw Period On New Originations	5 years
Loans
Loan Portfolio [Line Items]
Accrued interest receivable	$ 51,989	39,124
Adjustable Rate Residential Mortgage | Residential Core
Loan Portfolio [Line Items]
Loans, gross	4,760,843	4,668,089
Loan Sales
Loan Portfolio [Line Items]
Financing Receivable, Sale	$ 77,205	128,118
Maximum | LTV 85 Percent Prior To March 26, 2020 | Construction Loans
Loan Portfolio [Line Items]
Loan To Completed Appraised Value, Percentage	85%
Real Estate Loans
Loan Portfolio [Line Items]
Loans, gross	$ 15,203,598	14,348,751
Loans in process of foreclosure	9,144	9,833
Recoveries	7,656	11,107
Real Estate Loans | Construction Loans
Loan Portfolio [Line Items]
Loans, gross	48,406	121,759
Recoveries	0	175
Real Estate Loans | Residential Home Today
Loan Portfolio [Line Items]
Loans, gross	46,508	53,255
Recoveries	2,451	2,648
Real Estate Loans | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Loans, gross	3,030,526	2,633,878
Recoveries	4,079	5,352
Real Estate Loans | Residential Core
Loan Portfolio [Line Items]
Loans, gross	12,078,158	11,539,859
Recoveries	$ 1,126	$ 2,932

Loans And Allowance For Loan _5

Loans And Allowance For Loan Losses (Schedule Of Recorded Investment In Loan Receivables That Are Past Due) (Details) - USD ($) $ in Thousands	Sep. 30, 2023		Sep. 30, 2022
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 15,243,062		$ 14,329,962
Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	4,411		3,263
Financing Receivables, 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	7,617		5,665
Financing Receivables, 30 to 59 Days Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Financing Receivables, 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,776		3,057
Financing Receivables, 60 to 89 Days Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	12,999		12,463
Financing Receivables, Equal to Greater than 90 Days Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	23,392		21,185
Financial Asset, Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	15,219,670		14,308,777
Financial Asset, Not Past Due | Other Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	4,411		3,263
Real Estate Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	15,238,651		14,326,699
Real Estate Loans | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	12,102,939		11,559,281
Real Estate Loans | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	46,030	[1]	52,808
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,067,281		2,666,132
Real Estate Loans | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	22,401		48,478
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	7,617		5,665
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,680		2,725
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	666		1,341
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,271		1,599
Real Estate Loans | Financing Receivables, 30 to 59 Days Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,776		3,057
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,763		1,491
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	323		770
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	690		796
Real Estate Loans | Financing Receivables, 60 to 89 Days Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	12,999		12,463
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	8,268		9,281
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	855		861
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,876		2,321
Real Estate Loans | Financing Receivables, Equal to Greater than 90 Days Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Real Estate Loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	23,392		21,185
Real Estate Loans | Financial Asset, Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	13,711		13,497
Real Estate Loans | Financial Asset, Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,844		2,972
Real Estate Loans | Financial Asset, Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	7,837		4,716
Real Estate Loans | Financial Asset, Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Real Estate Loans | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	15,215,259		14,305,514
Real Estate Loans | Financial Asset, Not Past Due | Residential Core
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	12,089,228		11,545,784
Real Estate Loans | Financial Asset, Not Past Due | Residential Home Today
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	44,186		49,836
Real Estate Loans | Financial Asset, Not Past Due | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,059,444		2,661,416
Real Estate Loans | Financial Asset, Not Past Due | Construction Loans
Financing Receivable, Past Due [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 22,401		$ 48,478
[1]No new originations of Home Today loans since fiscal 2016.

Loans And Allowance For Loan _6

Loans And Allowance For Loan Losses (Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Impaired Financing Receivable, Interest Income, Cash Basis Method	$ 663	$ 740
Performing
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	18,915	23,159
Performing Chapter 7 Bankruptcy
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	11,508	13,526
Real Estate Loans
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	31,914	35,606
Financing Receivable, Nonaccrual, No Allowance	27,237	33,416
Loans in process of foreclosure	9,144	9,833
Real Estate Loans | Residential Core
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	19,414	22,644
Financing Receivable, Nonaccrual, No Allowance	15,691	20,995
Real Estate Loans | Residential Home Today
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	4,623	6,037
Financing Receivable, Nonaccrual, No Allowance	4,511	5,753
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Recorded Investment, Non-accrual [Line Items]
Total non-accrual loans	7,877	6,925
Financing Receivable, Nonaccrual, No Allowance	$ 7,035	$ 6,668

Loans And Allowance For Credit

Loans And Allowance For Credit Losses (Allowance For Credit Losses And Classified Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023		Sep. 30, 2022
Loan Portfolio [Line Items]
Residential Mortgage Loans, Partial Or Full Charge-off, Days Past Due	180 days
Home equity lines of credit equity loans and residential loans modified in a troubled debt restructuring charge-offs, days past due	90 days
All Classes Of Loans Collateral Evaluated For Partial or Full Charge-Off, Sheriff Sale Scheduled Number Of Days To Sell	60 days
All Classes Of Loans All Borrowers Filed Chapter 7 Bankruptcy, Recognized Charge-off, Days Since Notification	60 days
Partial or full charge off recognized, all classes of loans borrower filed bankruptcy, collateral recognized, days past due	30 days
Financing Receivable, Allowance for Credit Loss, Recovery	$ (7,656)		$ (11,107)
Financing Receivable, before Allowance for Credit Loss	15,243,062		14,329,962
Real Estate Loans
Loan Portfolio [Line Items]
Financing Receivable, Allowance for Credit Loss, Recovery	(7,656)		(11,107)
Financing Receivable, before Allowance for Credit Loss	15,238,651		14,326,699
Real Estate Loans | Special Mention
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	5,258		3,409
Real Estate Loans | Pass
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	15,190,542		14,273,550
Qualitative component of allowance
Loan Portfolio [Line Items]
Financing Receivable, Allowance for Credit Loss, Recovery	(13,425)		(7,085)
Troubled Debt Restructuring | Present Value Of Cash Flows
Loan Portfolio [Line Items]
Allowance on loans evaluated for impairment based on the present value of cash flows	9,546		10,284
Residential Home Today | Real Estate Loans
Loan Portfolio [Line Items]
Financing Receivable, Allowance for Credit Loss, Recovery	(2,451)		(2,648)
Financing Receivable, before Allowance for Credit Loss	46,030	[1]	52,808
Residential Home Today | Real Estate Loans | Special Mention
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Residential Home Today | Real Estate Loans | Pass
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	40,335	[1]	45,408
Other Loans
Loan Portfolio [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 4,411		$ 3,263
[1]No new originations of Home Today loans since fiscal 2016.

Loans And Allowance For Loan _7

Loans And Allowance For Loan Losses (Schedule Of Activity In The Allowance For Loan Losses) (Details) - USD ($) $ in Thousands		12 Months Ended
		Sep. 30, 2023		Sep. 30, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		$ 99,916		$ 89,259
Financing Receivable, Credit Loss, Expense (Reversal)		(1,500)		1,000
Charge-offs		(1,242)		(1,450)
Recoveries		7,656		11,107
Allowance for Credit Losses		104,830		99,916
Unfunded Loan Commitment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		27,021	[1]	24,970
Financing Receivable, Credit Loss, Expense (Reversal)		494	[1]	2,051
Charge-offs		0	[1]	0
Recoveries		0	[1]	0
Allowance for Credit Losses	[1]	27,515		27,021
Real Estate Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		72,895		64,289
Financing Receivable, Credit Loss, Expense (Reversal)		(1,994)		(1,051)
Charge-offs		(1,242)		(1,450)
Recoveries		7,656		11,107
Allowance for Credit Losses		77,315		72,895
Real Estate Loans | Residential Core
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		53,506		44,523
Financing Receivable, Credit Loss, Expense (Reversal)		1,000		6,298
Charge-offs		(257)		(247)
Recoveries		1,126		2,932
Allowance for Credit Losses		55,375		53,506
Real Estate Loans | Residential Home Today
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		(997)		15
Financing Receivable, Credit Loss, Expense (Reversal)		(2,370)		(3,411)
Charge-offs		(320)		(249)
Recoveries		2,451		2,648
Allowance for Credit Losses		(1,236)		(997)
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		20,032		19,454
Financing Receivable, Credit Loss, Expense (Reversal)		(399)		(3,820)
Charge-offs		(665)		(954)
Recoveries		4,079		5,352
Allowance for Credit Losses		23,047		20,032
Real Estate Loans | Construction Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for Credit Losses		354		297
Financing Receivable, Credit Loss, Expense (Reversal)		(225)		(118)
Charge-offs		0		0
Recoveries		0		175
Allowance for Credit Losses		$ 129		$ 354
[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 Loan _8

Loans And Allowance For Loan Losses (Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023		Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 15,243,062		$ 14,329,962
Financing Receivable, Allowance for Credit Loss	104,830		99,916	$ 89,259
Financing Receivable, Revolving, Converted to Term Loan During Period	2,492		436
Other Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	4,411		3,263
Loans, gross	4,411		3,263
Other Loans | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Loans, gross	0		0
Pass | Troubled Debt Restructuring | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Impaired Financing Receivable, Recorded Investment	73,172		75,904
Real Estate Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	1,888,991		3,485,914
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,253,545		2,294,035
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,080,770		1,501,209
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,351,773		638,396
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	571,006		674,447
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,359,166		3,231,947
Financing Receivable, Revolving	2,664,707		2,403,989
Financing Receivable, Revolving, Converted to Term Loan	68,693		96,762
Financing Receivable, before Allowance for Credit Loss	15,238,651		14,326,699
Financing Receivable, Allowance for Credit Loss	77,315		72,895	64,289
Loans, gross	15,203,598		14,348,751
Real Estate Loans | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	1,667,214		3,349,200
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,170,432		2,252,562
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,056,641		1,491,951
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,344,660		630,340
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	564,782		667,463
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,299,210		3,167,765
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	12,102,939		11,559,281
Financing Receivable, Allowance for Credit Loss	55,375		53,506	44,523
Loans, gross	12,078,158		11,539,859
Real Estate Loans | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	[1]	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	46,030	[1]	52,808
Financing Receivable, Revolving	0	[1]	0
Financing Receivable, Revolving, Converted to Term Loan	0	[1]	0
Financing Receivable, before Allowance for Credit Loss	46,030	[1]	52,808
Financing Receivable, Allowance for Credit Loss	(1,236)		(997)	15
Loans, gross	46,508		53,255
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	210,131		98,904
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	72,358		30,805
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	24,129		9,258
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	7,113		8,056
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,224		6,984
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	13,926		11,374
Financing Receivable, Revolving	2,664,707		2,403,989
Financing Receivable, Revolving, Converted to Term Loan	68,693		96,762
Financing Receivable, before Allowance for Credit Loss	3,067,281		2,666,132
Financing Receivable, Allowance for Credit Loss	23,047		20,032	19,454
Loans, gross	3,030,526		2,633,878
Real Estate Loans | Construction Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	11,646		37,810
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	10,755		10,668
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0		0
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	22,401		48,478
Financing Receivable, Allowance for Credit Loss	129		354	$ 297
Loans, gross	48,406		121,759
Real Estate Loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	1,888,806		3,485,914
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,252,593		2,292,357
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,078,733		1,497,967
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,349,819		637,126
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	570,147		672,081
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,330,017		3,198,562
Financing Receivable, Revolving	2,657,028		2,400,095
Financing Receivable, Revolving, Converted to Term Loan	63,399		89,448
Financing Receivable, before Allowance for Credit Loss	15,190,542		14,273,550
Real Estate Loans | Pass | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	1,667,029		3,349,200
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,169,609		2,251,075
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,054,744		1,488,763
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,342,854		629,090
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	563,955		665,116
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,275,978		3,141,907
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	12,074,169		11,525,151
Real Estate Loans | Pass | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	[1]	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	40,335	[1]	45,408
Financing Receivable, Revolving	0	[1]	0
Financing Receivable, Revolving, Converted to Term Loan	0	[1]	0
Financing Receivable, before Allowance for Credit Loss	40,335	[1]	45,408
Real Estate Loans | Pass | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	210,131		98,904
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	72,229		30,614
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	23,989		9,204
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	6,965		8,036
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,192		6,965
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	13,704		11,247
Financing Receivable, Revolving	2,657,028		2,400,095
Financing Receivable, Revolving, Converted to Term Loan	63,399		89,448
Financing Receivable, before Allowance for Credit Loss	3,053,637		2,654,513
Real Estate Loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	129		483
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	612		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	52		108
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	138		464
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,127		816
Financing Receivable, Revolving	2,830		898
Financing Receivable, Revolving, Converted to Term Loan	370		640
Financing Receivable, before Allowance for Credit Loss	5,258		3,409
Real Estate Loans | Special Mention | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0		292
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	612		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0		108
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	106		464
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,025		816
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	1,743		1,680
Real Estate Loans | Special Mention | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Real Estate Loans | Special Mention | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	129		191
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	52		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	32		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	102		0
Financing Receivable, Revolving	2,830		898
Financing Receivable, Revolving, Converted to Term Loan	370		640
Financing Receivable, before Allowance for Credit Loss	3,515		1,729
Real Estate Loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	185		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	823		1,195
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,425		3,242
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,902		1,162
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	721		1,902
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	28,022		32,569
Financing Receivable, Revolving	4,849		2,996
Financing Receivable, Revolving, Converted to Term Loan	4,924		6,674
Financing Receivable, before Allowance for Credit Loss	42,851		49,740
Real Estate Loans | Substandard | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	185		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	823		1,195
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,285		3,188
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,806		1,142
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	721		1,883
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	22,207		25,042
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	27,027		32,450
Real Estate Loans | Substandard | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	[1]	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	5,695	[1]	7,400
Financing Receivable, Revolving	0	[1]	0
Financing Receivable, Revolving, Converted to Term Loan	0	[1]	0
Financing Receivable, before Allowance for Credit Loss	5,695	[1]	7,400
Real Estate Loans | Substandard | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	140		54
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	96		20
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0		19
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	120		127
Financing Receivable, Revolving	4,849		2,996
Financing Receivable, Revolving, Converted to Term Loan	4,924		6,674
Financing Receivable, before Allowance for Credit Loss	$ 10,129		$ 9,890
[1]No new originations of Home Today loans since fiscal 2016.

Loans And Allowance For Loan _9

Loans And Allowance For Loan Losses (Schedule of Recorded Investment in Troubled Debt Restructured Loans by Type of Concession) (Details) - USD ($) $ in Thousands	Sep. 30, 2023		Sep. 30, 2022
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	$ 99,450		$ 109,036
Financing Receivable, before Allowance for Credit Loss	15,243,062		14,329,962
Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	1,888,991		3,485,914
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,253,545		2,294,035
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,080,770		1,501,209
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,351,773		638,396
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	571,006		674,447
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,359,166		3,231,947
Financing Receivable, Revolving	2,664,707		2,403,989
Financing Receivable, Revolving, Converted to Term Loan	68,693		96,762
Financing Receivable, before Allowance for Credit Loss	15,238,651		14,326,699
Real Estate Loans | Pass
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	1,888,806		3,485,914
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,252,593		2,292,357
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,078,733		1,497,967
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,349,819		637,126
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	570,147		672,081
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,330,017		3,198,562
Financing Receivable, Revolving	2,657,028		2,400,095
Financing Receivable, Revolving, Converted to Term Loan	63,399		89,448
Financing Receivable, before Allowance for Credit Loss	15,190,542		14,273,550
Real Estate Loans | Special Mention
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	129		483
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	612		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	52		108
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	138		464
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,127		816
Financing Receivable, Revolving	2,830		898
Financing Receivable, Revolving, Converted to Term Loan	370		640
Financing Receivable, before Allowance for Credit Loss	5,258		3,409
Real Estate Loans | Substandard
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	185		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	823		1,195
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,425		3,242
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,902		1,162
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	721		1,902
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	28,022		32,569
Financing Receivable, Revolving	4,849		2,996
Financing Receivable, Revolving, Converted to Term Loan	4,924		6,674
Financing Receivable, before Allowance for Credit Loss	42,851		49,740
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	58,999		63,066
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	28,304		31,811
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	12,147		14,159
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	53,853		58,550
Residential Core | Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	1,667,214		3,349,200
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,170,432		2,252,562
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,056,641		1,491,951
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,344,660		630,340
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	564,782		667,463
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,299,210		3,167,765
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	12,102,939		11,559,281
Residential Core | Real Estate Loans | Pass
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	1,667,029		3,349,200
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,169,609		2,251,075
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,054,744		1,488,763
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,342,854		629,090
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	563,955		665,116
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,275,978		3,141,907
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	12,074,169		11,525,151
Residential Core | Real Estate Loans | Special Mention
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0		292
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	612		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0		108
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	106		464
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,025		816
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	1,743		1,680
Residential Core | Real Estate Loans | Substandard
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	185		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	823		1,195
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,285		3,188
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,806		1,142
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	721		1,883
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	22,207		25,042
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	27,027		32,450
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	28,546		30,071
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	15,730		17,583
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	9,577		10,896
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	21,195		23,839
Residential Home Today | Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	[1]	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	46,030	[1]	52,808
Financing Receivable, Revolving	0	[1]	0
Financing Receivable, Revolving, Converted to Term Loan	0	[1]	0
Financing Receivable, before Allowance for Credit Loss	46,030	[1]	52,808
Residential Home Today | Real Estate Loans | Pass
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	[1]	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	40,335	[1]	45,408
Financing Receivable, Revolving	0	[1]	0
Financing Receivable, Revolving, Converted to Term Loan	0	[1]	0
Financing Receivable, before Allowance for Credit Loss	40,335	[1]	45,408
Residential Home Today | Real Estate Loans | Special Mention
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, before Allowance for Credit Loss	0		0
Residential Home Today | Real Estate Loans | Substandard
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	[1]	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	[1]	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	5,695	[1]	7,400
Financing Receivable, Revolving	0	[1]	0
Financing Receivable, Revolving, Converted to Term Loan	0	[1]	0
Financing Receivable, before Allowance for Credit Loss	5,695	[1]	7,400
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	9,390		10,359
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	10,114		11,485
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	1,691		1,995
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	24,402		26,647
Home Equity Loans And Lines Of Credit | Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	210,131		98,904
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	72,358		30,805
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	24,129		9,258
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	7,113		8,056
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,224		6,984
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	13,926		11,374
Financing Receivable, Revolving	2,664,707		2,403,989
Financing Receivable, Revolving, Converted to Term Loan	68,693		96,762
Financing Receivable, before Allowance for Credit Loss	3,067,281		2,666,132
Home Equity Loans And Lines Of Credit | Real Estate Loans | Pass
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	210,131		98,904
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	72,229		30,614
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	23,989		9,204
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	6,965		8,036
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,192		6,965
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	13,704		11,247
Financing Receivable, Revolving	2,657,028		2,400,095
Financing Receivable, Revolving, Converted to Term Loan	63,399		89,448
Financing Receivable, before Allowance for Credit Loss	3,053,637		2,654,513
Home Equity Loans And Lines Of Credit | Real Estate Loans | Special Mention
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	129		191
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	52		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	32		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	102		0
Financing Receivable, Revolving	2,830		898
Financing Receivable, Revolving, Converted to Term Loan	370		640
Financing Receivable, before Allowance for Credit Loss	3,515		1,729
Home Equity Loans And Lines Of Credit | Real Estate Loans | Substandard
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	140		54
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	96		20
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0		19
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	120		127
Financing Receivable, Revolving	4,849		2,996
Financing Receivable, Revolving, Converted to Term Loan	4,924		6,674
Financing Receivable, before Allowance for Credit Loss	10,129		9,890
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	21,063		22,636
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	2,460		2,743
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded Investment in TDRs	879		1,268
Construction Loans | Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	11,646		37,810
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	10,755		10,668
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0		0
Financing Receivable, Revolving	0		0
Financing Receivable, Revolving, Converted to Term Loan	0		0
Financing Receivable, before Allowance for Credit Loss	$ 22,401		$ 48,478
[1]No new originations of Home Today loans since fiscal 2016.

Loans And Allowance For Loan_10

Loans And Allowance For Loan Losses (Schedule Of Troubled Debt Restructured Loans Modified During the Period by Type of Concession) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	$ 7,939	$ 8,664	$ 17,962
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	4,511	4,535	11,192
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	2,359	2,779	4,636
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,069	1,350	2,134
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	5,687	6,498	12,959
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	2,866	3,823	9,364
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,784	1,533	1,981
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,037	1,142	1,614
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	729	1,318	1,897
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	356	202	362
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	342	1,071	1,432
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	31	45	103
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,523	848	3,106
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	1,289	510	1,466
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	233	175	1,223
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans	$ 1	$ 163	$ 417

Loans And Allowance For Loan_11

Loans And Allowance For Loan Losses (Schedule Of Troubled Debt Restructured Loans Modified Within The Last 12 Months that Defaulted) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2023 USD ($) contracts	Sep. 30, 2022 USD ($) contracts	Sep. 30, 2021 USD ($) contracts
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contracts	12	12	14
Recorded Investment | $	$ 828	$ 978	$ 1,184
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contracts	6	5	6
Recorded Investment | $	$ 575	$ 780	$ 948
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contracts	5	5	7
Recorded Investment | $	$ 207	$ 90	$ 194
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contracts	1	2	1
Recorded Investment | $	$ 46	$ 108	$ 42

Mortgage Loan Servicing Right_2

Mortgage Loan Servicing Rights (Narrative) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2023 USD ($) tranches	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Balance of mortgage loans securitized and/or sold	$ 77,206	$ 128,118	$ 796,512
Amount related to the repurchase of loans previously sold and serviced by the Company.			199
Residential Mortgage
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Number of risk tranches used in evaluating mortgage servicing rights for impairment | tranches	21
Unpaid principal balance of mortgage loans serviced for others	$ 1,933,249	$ 2,051,110	$ 2,262,875
Ratio of capitalized servicing assets to unpaid principal balance of loans serviced for others	0.38%	0.39%	0.40%
Residential Mortgage | Other Non-Interest Income
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing income, net of amortization of capitalized servicing rights	$ 4,516	$ 4,251	$ 3,260
Minimum
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Annual servicing fee on outstanding loan balance, percentage	0.02%
Maximum
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Annual servicing fee on outstanding loan balance, percentage	0.84%

Mortgage Loan Servicing Right_3

Mortgage Loan Servicing Rights (Primary Economic Assumptions Used To Measure The Company's Retained Interest Rate) (Details) - Residential Mortgage	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Fair Value Assumption, Date of Securitization or Asset-backed Financing Arrangement, Transferor's Continuing Involvement, Servicing Assets or Liabilities [Line Items]
Primary prepayment speed assumptions (weighted average annual rate)	17.60%	11.90%
Weighted average life (years)	25 years 3 months 18 days	24 years 1 month 6 days
Amortized cost to service loans (weighted average)	0.12%	0.12%
Weighted average discount rate	12%	12%

Mortgage Loan Servicing Right_4

Mortgage Loan Servicing Rights (Key Economic Assumptions And Sensitivity) (Details) - Residential Mortgage - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Sensitivity Analysis, Impact of Adverse Change in Assumption [Line Items]
Fair value of mortgage loan servicing rights	$ 15,916	$ 15,288	$ 17,454
Prepayment speed assumptions (weighted average annual rate)	9.40%
Prepayment speed assumptions, Impact on fair value of 10% adverse change	$ (629)
Prepayment speed assumptions, Impact on fair value of 20% adverse change	$ (1,180)
Estimated prospective annual cost to service loans (weighted average)	0.12%
Estimated prospective annual cost to service loans, Impact on fair value of 10% adverse change	$ (1,446)
Estimated prospective annual cost to service loans, Impact on fair value of 20% adverse change	$ (2,869)
Discount rate	12%
Discount rate, Impact on fair value of 10% adverse change	$ (590)
Discount rate, Impact on fair value of 20% adverse change	$ (1,114)

Mortgage Loan Servicing Right_5

Mortgage Loan Servicing Rights (Activity In Mortgage Servicing Assets) (Details) - USD ($) $ in Thousands		12 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Mortgage Servicing Assets [Roll Forward]
Balance-beginning of year		$ 7,943
Balance-end of year		7,400	$ 7,943
Residential Mortgage
Mortgage Servicing Assets [Roll Forward]
Balance-beginning of year		7,943	8,941	$ 7,860
Additions from loan securitizations/sales		322	657	3,836
Amortization	[1]	(865)	(1,655)	(2,764)
Net change in valuation allowance		0	0	9
Balance-end of year		7,400	7,943	8,941
Servicing Asset at Amortized Cost, Fair Value		$ 15,916	$ 15,288	$ 17,454
[1] (1) Year ended September 30, 2021, amounts include $199 related to the repurchase of loans previously sold and serviced by the Company.

Premises, Equipment And Softw_3

Premises, Equipment And Software, Net Premises, Equipment And Software, Net (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Property, Plant and Equipment, Net [Abstract]
Depreciation expense on premises, equipment and software	$ 4,921	$ 5,393	$ 5,422

Premises, Equipment And Softw_4

Premises, Equipment And Software, Net Premises, Equipment And Software, Net (Property, Plant and Equipment) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 143,943	$ 140,940
Less accumulated depreciation and amortization	(109,235)	(106,409)
Total	34,708	34,531
Land
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	8,610	8,610
Office buildings
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	62,090	61,312
Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	40,634	39,899
Software
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	21,591	20,048
Leasehold improvements
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 11,018	$ 11,071

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Lessee, Lease, Description [Line Items]
Operating Lease Cost	$ 5,573	$ 5,576
Variable Lease Cost	1,514	1,479
Operating Lease Payments	$ 5,556	$ 5,572
Minimum
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Remaining Lease Term	1 year
Lessee, Operating Lease, Option to Extend	three
Maximum
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Remaining Lease Term	13 years
Lessee, Operating Lease, Option to Extend	five

Leases (Schedule Of Lease Cost)

Leases (Schedule Of Lease Cost) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Leases [Abstract]
Right-of-use assets (a)	Other assets	Other assets
Right-Of-Use Asset	$ 37,517	$ 30,189
Lease liabilities (b)	Accounts Payable and Accrued Liabilities	Accounts Payable and Accrued Liabilities
Total lease liabilities	$ 18,209	$ 15,775
Weighted Average Remaining Lease Term	5 years 1 month 6 days	5 years 21 days
Weighted Average Discount Rate, Percent	2.44%	1.49%

Leases (Schedule of Lease Liabi

Leases (Schedule of Lease Liability Maturities) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Leases [Abstract]
Total minimum lease payments	$ 19,520	$ 16,531
Less imputed interest	1,311	756
Total lease liabilities	18,209	15,775
12 months or less	5,478	4,953
13 to 24 months	4,763	3,903
25 to 36 months	3,288	3,044
37 to 48 months	2,067	1,810
49 to 60 months	1,347	591
over 60 months	$ 2,577	$ 2,230

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Deposits [Abstract]
Weighted average interest rate, checking accounts	0.05%	0.81%
Weighted average rated, savings	1.49%	0.79%
Weighted average rate, money market	2.62%	0.95%
Weighted average interest rate, certificates of deposit	3.47%	1.37%
Weighted average interest rate, total deposits	2.77%	1.18%
Brokered certificates of deposit	$ 1,162,601	$ 575,236
Certificates of deposit	6,648,982	5,862,274
Time Deposits, at or Above FDIC Insurance Limit	$ 845,375	$ 733,301

Deposits (Summary Of Deposit Ac

Deposits (Summary Of Deposit Account Balances) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Deposit Liability [Line Items]
Subtotal checking and savings accounts	$ 2,790,476	$ 3,056,506
Percentage of checking and savings accounts to deposits	29.60%	34.30%
Certificates of deposit	$ 6,648,982	$ 5,862,274
Percentage of certificates of deposit to deposits	70.40%	65.70%
Subtotal, Deposits	$ 9,439,458	$ 8,918,780
Subtotal, percent	100%	100%
Accrued interest	$ 10,362	$ 2,237
Accrued interest to deposits, percent	0%	0%
Total deposits	$ 9,449,820	$ 8,921,017
Total deposits, percent	100%	100%
0.00 - 0.15
Deposit Liability [Line Items]
Checking accounts	$ 983,396	$ 1,210,035
Percentage of checking accounts to deposits	10.40%	13.60%
0.00 - 0.15 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	0%
0.00 - 0.15 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	1%
0.00-1.05
Deposit Liability [Line Items]
Savings accounts	$ 1,460,601	$ 1,364,821
Percentage of savings accounts to deposits	15.50%	15.30%
0.00-1.05 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	0%
0.00-1.05 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	4.22%
0.00-0.50
Deposit Liability [Line Items]
Savings accounts	$ 346,479	$ 481,650
Percentage of savings accounts to deposits	3.70%	5.40%
0.00-0.50 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	0%
0.00-0.50 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	3.93%
0.00-0.99
Deposit Liability [Line Items]
Certificates of deposit	$ 981,728	$ 3,157,495
Percentage of certificates of deposit to deposits	10.40%	35.40%
0.00-0.99 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	0%
0.00-0.99 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	0.99%
1.00-1.99
Deposit Liability [Line Items]
Certificates of deposit	$ 685,170	$ 1,002,227
Percentage of certificates of deposit to deposits	7.20%	11.20%
1.00-1.99 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	1%
1.00-1.99 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	1.99%
2.00-2.99
Deposit Liability [Line Items]
Certificates of deposit	$ 941,842	$ 1,320,579
Percentage of certificates of deposit to deposits	10%	14.80%
2.00-2.99 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	2%
2.00-2.99 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	2.99%
3.00 - 3.99
Deposit Liability [Line Items]
Certificates of deposit	$ 1,173,211	$ 378,587
Percentage of certificates of deposit to deposits	12.40%	4.20%
3.00 - 3.99 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	3%
3.00 - 3.99 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	3.99%
4.00 - 4.99
Deposit Liability [Line Items]
Certificates of deposit	$ 1,346,720	$ 3,386
Percentage of certificates of deposit to deposits	14.30%	0.10%
4.00 - 4.99 | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	4%
4.00 - 4.99 | Maximum
Deposit Liability [Line Items]
Stated interest rate on deposits	4.99%
5.00 and above
Deposit Liability [Line Items]
Certificates of deposit	$ 1,520,311	$ 0
Percentage of certificates of deposit to deposits	16.10%	0%
5.00 and above | Minimum
Deposit Liability [Line Items]
Stated interest rate on deposits	5%

Deposits (Scheduled Maturity Of

Deposits (Scheduled Maturity Of Certificates Of Deposit ) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Deposits [Abstract]
12 months or less	$ 3,419,349
13 to 24 months	764,512
25 to 36 months	1,506,491
37 to 48 months	501,945
49 to 60 months	440,012
Over 60 months	16,673
Total	$ 6,648,982	$ 5,862,274
12 months or less, percent	51.40%
13 to 24 months, percent	11.50%
25 to 36 months, percent	22.70%
37 to 48 months, percent	7.50%
49 to 60 months, percent	6.60%
Over 60 months, percent	0.30%
Total, percent	100%
12 months or less, weighted average rate	3.46%
13 to 24 months, weighted average rate	2.01%
25 to 36 months, weighted average rate	4.07%
37 to 48 months, weighted average rate	2.92%
49 to 60 months, weighted average rate	4.22%
Over 60 months, weighted average rate	1.72%
Total, weighted average rate	3.44%

Deposits (Scheduled Of Interest

Deposits (Scheduled Of Interest Expense On Deposits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Deposits [Abstract]
Certificates of deposit	$ 143,434	$ 68,204	$ 93,187
Checking accounts	6,081	4,186	1,140
Savings accounts	24,686	4,553	2,992
Total	$ 174,201	$ 76,943	$ 97,319

Borrowed Funds (Schedule Of Bor

Borrowed Funds (Schedule Of Borrowings) (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 7,344,253
Line of Credit Facility, Remaining Borrowing Capacity	2,093,393
Federal Reserve Discount Window, borrowing capacity	5,250,860
Line of Credit Facility, Increase, Accrued Interest	22,777
Line of Credit Facility, Current Borrowing Capacity, Including Accrued Interest	5,273,637
FRB-Cleveland
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	126,442
Line of Credit Facility, Remaining Borrowing Capacity	126,442
Federal Reserve Discount Window, borrowing capacity	0
Federal Funds Purchased
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	585,000
Line of Credit Facility, Remaining Borrowing Capacity	585,000
Federal Reserve Discount Window, borrowing capacity	0
Federal Home Loan Bank of Cincinnati
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	6,632,811
Line of Credit Facility, Remaining Borrowing Capacity	1,381,951
Federal Reserve Discount Window, borrowing capacity	$ 5,250,860

Borrowed Funds (Schedule of Fed

Borrowed Funds (Schedule of Federal Home Loan Bank Advances (FHLB) Borrowings) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Debt Disclosure [Abstract]
12 months or less	$ 1,417,000
13 to 24 months	700,000
25 to 36 months	775,548
37 to 48 months	725,000
49 to 60 months	577,273
over 60 months	1,056,039
Line of Credit Facility, Increase, Accrued Interest	22,777
Total	$ 5,273,637	$ 4,793,221
Weighted Average Rate 12 months or less	3.19%
Weighted Average Rate 13 to 24 months	2.26%
Weighted Average Rate 25 to 36 months	2.74%
Weighted Average Rate 37 to 48 months	2.90%
Weighted Average Rate 49 to 60 months	3.80%
Weighted Average Rate Over 60 months	3.36%
Weighted Average Rate Total FHLB Advances	3.06%
Line of Credit Facility, Current Borrowing Capacity	$ 5,250,860

Borrowed Funds (Narrative) (Fed

Borrowed Funds (Narrative) (Federal Home Loan Bank Advances) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest expense	$ 328,352	$ 141,937	$ 157,721
Fixed Rate Borrowings Maximum Term, In Months	240 months
Federal Home Loan Bank Advances
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest expense	$ 115,329	$ 49,828	$ 50,975

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Accumulated Other Comprehensive Income (Loss) by Component) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	$ 1,927,361	$ 1,844,339	$ 1,732,280	$ 1,671,853
Other comprehensive income (loss)	62,063	90,950	64,164
Reclassification out of Accumulated Other Comprehensive Income
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Reclassification from AOCI, Current Period, Tax	(13,383)	5,212	9,907
Unrealized gain (losses) on securities available for sale
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	(41,173)	(33,899)	961	4,694
Other comprehensive income (loss), before reclassifications, net of tax	(7,274)	(34,860)	(3,733)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	0	0	0
Other comprehensive income (loss)	(7,274)	(34,860)	(3,733)
Cash Flow Hedges
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	135,532	68,883	(58,210)	(114,306)
Other comprehensive income (loss), before reclassifications, net of tax	112,851	109,452	20,914
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(46,202)	17,641	35,182
Other comprehensive income (loss)	66,649	127,093	56,096
Defined Benefit Plan
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	(9,147)	(11,835)	(10,552)	(22,353)
Other comprehensive income (loss), before reclassifications, net of tax	1,904	(1,665)	9,937
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	784	382	1,864
Other comprehensive income (loss)	2,688	(1,283)	11,801
Total
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax [Abstract]
Balance	85,212	23,149	(67,801)	$ (131,965)
Other comprehensive income (loss), before reclassifications, net of tax	107,481	72,927	27,118
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(45,418)	18,023	37,046
Other comprehensive income (loss)	62,063	90,950	64,164
Other Comprehensive Income (Loss) before Reclassifications, Tax	$ 31,998	$ 21,242	$ 8,656

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Reclassification Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		12 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		$ (18,117)	$ (17,489)	$ (19,087)
Net of income tax expense (benefit)		73,681	73,055	79,452
Reclassification out of Accumulated Other Comprehensive Income
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax		(45,418)	18,023	37,046
Reclassification out of Accumulated Other Comprehensive Income | Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		13,619	(5,099)	(9,352)
Net of income tax expense (benefit)		(46,202)	17,641	35,182
Reclassification out of Accumulated Other Comprehensive Income | Actuarial Loss
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from Accumulated Other Comprehensive Income, Current Period, before Tax	[1]	1,020	495	2,419
Reclassification out of Accumulated Other Comprehensive Income | Defined Benefit Plan
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect		(236)	(113)	(555)
Net of income tax expense (benefit)		784	382	1,864
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		$ (59,821)	$ 22,740	$ 44,534
[1] (a) These items are included in the computation of net period pension cost. See Note 13. EMPLOYEE BENEFIT PLANS

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components Of The Income Tax Provision) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current tax expense, Federal	$ 13,602	$ 41,812	$ 31,043
Current tax expense, State	781	2,553	2,230
Deferred tax expense, Federal	3,681	(24,691)	(13,548)
Deferred tax expense, State	53	(2,185)	(638)
Income tax provision	$ 18,117	$ 17,489	$ 19,087

Income Taxes (Schedule of Recon

Income Taxes (Schedule of Reconciliation From Tax At The Statutory Rate To The Income Tax Provision) (Details)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Tax at statutory rate	21%	21%	21%
State tax, net	0.70%	0.30%	1.30%
Non-taxable income from bank owned life insurance contracts	(2.10%)	(2.30%)	(2.10%)
Non-deductible compensation	1%	1.40%	0.90%
Equity based compensation	0.20%	(0.10%)	(1.30%)
Employee (Associate) Stock Ownership Plan	(1.50%)	(1.20%)	(0.80%)
Other, net	0.10%	(0.10%)	0.10%
Income tax provision	19.40%	19%	19.10%

Income Taxes (Schedule Of Defer

Income Taxes (Schedule Of Deferred Tax Recognition Of Revenue And Expenses) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Loan loss reserve	$ 29,390	$ 27,659
Deferred compensation	4,215	4,198
Lease Liability	4,251	3,599
Property, equipment and software basis difference	975	1,413
Other	2,099	2,220
Total deferred tax assets	40,930	39,089
FHLB stock basis difference	5,135	5,017
Mortgage servicing rights	1,514	1,551
Pension	2,843	2,119
Goodwill	2,158	2,132
Lease ROU asset	4,160	3,514
Fair value adjustment	20,969	0
Deferred loan costs, net of fees	15,005	13,371
Other	2,328	2,219
Total deferred tax liabilities	54,112	29,923
Net deferred tax asset (liability)	$ (13,182)	$ 9,166

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Required deferred tax valuation allowance	$ 0	$ 0
Allocated retained earnings bad debt deductions	104,861,000	104,861,000
Retained Earnings For Which No Provision For Taxes Made	0	0
Unrecognized tax benefits	0	0
Interest and penalties on income tax assessments or income tax refunds	0	0	$ 9,000
Proceeds from Income Tax Refunds	0	34,000	$ 116,000
Interest accrued	$ 0	$ 0
Income tax provision	19.40%	19%	19.10%

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2023 USD ($) years h $ / shares shares		Sep. 30, 2022 USD ($) shares	Sep. 30, 2021 USD ($)
Defined Benefit Plan Disclosure [Line Items]
Voluntary contributions made to the defined benefit plan	$ 0
Required minimum contribution made to the defined benefit plan during the fiscal year	0
Fair Value of Plan Assets	70,532	[1]	$ 30,271
Net actuarial losses, which have not been recognized as components of net periodic benefit costs	$ 11,862		15,255	$ 13,686
Redemption restrictions on Plan assets	0
Net actuarial losses that will be recognized in AOCI as components of net periodic benefit cost in fiscal year	$ 628
Age of employees to participate in ESOP, minimum (in years) | years	18
Number of hours worked by employees to participate in ESOP, minimum (in hours) | h	1,000
Total compensation expense related to ESOP	$ 5,761		7,063	8,270
Purchase of the Company's common stock by ESOP from proceeds of a loan from the Company (in shares) | shares	11,605,824
Purchase of the Company's common stock by ESOP, (in usd per share) | $ / shares	$ 10
ESOP loan from the Company, outstanding principal balance	$ 37,254		$ 41,927
ESOP shares allocated to participants (in shares) | shares	8,897,453
ESOP shares committed to be released (in shares) | shares	325,005
ESOP shares unallocated or not yet committed to be released (in shares) | shares	2,708,371		3,141,711
ESOP shares that are unallocated or not yet committed to be released, fair market value	$ 32,013
Equity
Defined Benefit Plan Disclosure [Line Items]
Plan assets target allocation, Percentage	20%
Pooled Separate Accounts
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 0		$ 43,800
Redemption Notice Period			7 days
Cash and Cash Equivalents
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	1,001
Excluded Unsettled Securities
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 1,851,000
LDI Fixed Income Securities
Defined Benefit Plan Disclosure [Line Items]
Plan assets target allocation, Percentage	80%
401(k) First Tier
Defined Benefit Plan Disclosure [Line Items]
Allowable percentage of compensation, of eligible employees, to be contributed to the 401(k) plan	75%
401(k), Company match percentage of up to 4% of employee contributed funds	100%
401(k)
Defined Benefit Plan Disclosure [Line Items]
401(k), Company matched contributions, minimum vesting period	immediately
401(k), Company matched contributions, maximum vesting period	5 years
Total of the Company's matching and discretionary contributions related to the 401(k) plan	$ 4,297		$ 4,295	$ 4,187
Maximum | 401(k) First Tier
Defined Benefit Plan Disclosure [Line Items]
401(k), Percentage of funds contributed by employees to be matched 100% by the Company, maximum	4%
[1]Plan assets measured at fair value on a recurring basis excludes approximately $1,851 of unsettled security transactions.

Employee Benefit Plans (Change

Employee Benefit Plans (Change In Projected Benefit Obligation For The Defined Benefit Plan) (Details) - Pension Plan - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Defined Benefit Plan, Benefit Obligation	$ 60,435	$ 65,015	$ 88,276
Interest cost	3,324	2,628	$ 2,536
Actuarial (gain) loss and other	(3,764)	(19,783)
Settlement	0	(4,292)
Defined Benefit Plan, Benefit Obligation, Benefits Paid	$ 4,140	$ 1,814

Employee Benefit Plans (Reconci

Employee Benefit Plans (Reconciliation Of The Beginning And Ending Balances Of The Fair Value Of Plan Assets And Funded Status Of The Plan) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023		Sep. 30, 2022	Sep. 30, 2021
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets	$ 70,532	[1]	$ 30,271
Pension Plan
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets	72,383		74,042	$ 97,971
Actual return on plan assets	2,481		(17,823)
Benefits paid	(4,140)		(1,814)
Settlement	0		(4,292)
Funded status of the plan-asset/(liability)	$ 11,948		$ 9,027
[1]Plan assets measured at fair value on a recurring basis excludes approximately $1,851 of unsettled security transactions.

Employee Benefit Plans (Compone

Employee Benefit Plans (Components Of Net Periodic Benefit Cost Recognized In The Statement Of Income) (Details) - Pension Plan - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 3,324	$ 2,628	$ 2,536
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other operating expenses	Other operating expenses	Other operating expenses
Defined Benefit Plan, Expected Return (Loss) on Plan Assets	$ (3,872)	$ (4,987)	$ (4,997)
Amortization of net loss and other	1,020	576	1,466
Recognized net loss due to settlement	0	882	792
Net periodic benefit (income) cost	$ 472	$ (901)	$ (203)

Employee Benefit Plans (Fair Va

Employee Benefit Plans (Fair Value Of Plan Assets At The Measurement Date) (Details) - USD ($) $ in Thousands	Sep. 30, 2023		Sep. 30, 2022	Sep. 30, 2021
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 70,532	[1]	$ 30,271
Quoted Prices In Active Markets For Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	19,342	[1]	30,271
Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	51,190	[1]	0
Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0	[1]	0
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	72,383		74,042	$ 97,971
Cash and Cash Equivalents
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	1,001
Cash and Cash Equivalents | Quoted Prices In Active Markets For Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	1,001
Cash and Cash Equivalents | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
Cash and Cash Equivalents | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
Total Fixed Income
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	53,740
Total Fixed Income | Quoted Prices In Active Markets For Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	2,550
Total Fixed Income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	51,190
Total Fixed Income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
U.S. Government Obligations
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	2,550
U.S. Government Obligations | Quoted Prices In Active Markets For Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	2,550
U.S. Government Obligations | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
U.S. Government Obligations | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
Corporate Debt Securities
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	42,573
Corporate Debt Securities | Quoted Prices In Active Markets For Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
Corporate Debt Securities | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	42,573
Corporate Debt Securities | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
Government Strips
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	8,617
Government Strips | Quoted Prices In Active Markets For Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
Government Strips | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	8,617
Government Strips | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0
Mutual Equity Funds
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	15,791		30,271
Mutual Equity Funds | Quoted Prices In Active Markets For Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	15,791		30,271
Mutual Equity Funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	0		0
Mutual Equity Funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 0		$ 0
[1]Plan assets measured at fair value on a recurring basis excludes approximately $1,851 of unsettled security transactions.

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule Of Additional Information Is Provided With Respect To The Plan) (Details)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Retirement Benefits [Abstract]
Benefit obligation, discount rate	5.75%	5.35%	2.85%
Net periodic benefit cost, discount rate	5.35%	4.60%	2.80%
Net periodic benefit cost, long-term rate of return on plan assets	5.50%	5.50%	5.50%

Employee Benefit Plans (Estimat

Employee Benefit Plans (Estimates Of Expected Future Benefit Payments) (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Retirement Benefits [Abstract]
2023	$ 5,870
2024	3,890
2025	4,060
2026	4,260
2027	4,210
Aggregate expected benefit payments during the five fiscal year period beginning October 1, 2028, and ending September 30, 2033	23,330
Minimum employer contributions expected to be paid during the fiscal year ending September 30, 2024	$ 0

Equity Incentive Plan (Narrativ

Equity Incentive Plan (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common shares authorized for award under the Equity Plan (in shares)	8,450,000	8,450,000
Common shares remain available for future award (in shares)	7,138,688	7,138,688
Share Based Compensation Excess tax Benefit (Expense)		$ (224)	$ 109	$ 1,331
Stock Options Contractual Term, Years		10 years
Stock options exercised, intrinsic value		$ 820	$ 551	$ 8,605
Nonvested shares outstanding	0	0
Number of Stock Options, Granted (in shares)		0	0	0
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of RSUs that have vested but will not be issued until the recipients are no longer employed by the Company.	765,748	765,748
Weighted average grant date fair value of RSUs that have vested but will not be issued until the recipients are no longer employed by the Company.	$ 11.87	$ 11.87
Weighted Average Grant Date Fair Value, Granted (in usd per share)		$ 13.69	$ 17.80	$ 17.77
Total fair value of restricted stock units vested during fiscal year		$ 1,639	$ 2,058	$ 6,981
Expected future compensation expense	$ 2,606	$ 2,606
Non-vested awards weighted average period (in years)		2 years 5 months 4 days
Restricted Stock Units | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award Vesting Period		1 year
Restricted Stock Units | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award Vesting Period		10 years
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Grant Date Fair Value, Granted (in usd per share)		$ 13.69	$ 17.80	$ 17.77
Total fair value of restricted stock units vested during fiscal year		$ 1,152	$ 1,112	$ 14
Expected future compensation expense	$ 1,196	$ 1,196
Non-vested awards weighted average period (in years)	1 year 9 months 21 days
Award Vesting Period		3 years
Award Requisite Service Period		2 years
Performance Shares | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Range of payout on vesting		0%
Performance Shares | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Range of payout on vesting		150%
Stock Options | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award Vesting Period		1 year
Stock Options | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award Vesting Period		7 years

Equity Incentive Plan Equity In

Equity Incentive Plan Equity Incentive Plan (Summary Of Stock-based Compensation Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Stock-based compensation expense	$ 4,240	$ 3,945	$ 5,442
Share-based Payment Arrangement, Expense, Tax Benefit	778	677	999
Restricted Stock Units
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Stock-based compensation expense	3,366	3,206	4,160
Performance Shares
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Stock-based compensation expense	874	739	1,214
Stock Options
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Stock-based compensation expense	$ 0	$ 0	$ 68

Equity Incentive Plan (Share-ba

Equity Incentive Plan (Share-based Payment Arrangement, Restricted Stock Unit, Activity) (Details) - Restricted Stock Units - $ / shares	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Summary of Status of Restricted Stock Unit [Roll Forward]
Number of Shares Awarded, Outstanding, Beginning	1,257,898
Weighted Average Grant Date Fair Value, Outstanding (in usd per share)	$ 14.17
Number of Shares Awarded, Granted	174,550
Weighted Average Grant Date Fair Value, Granted (in usd per share)	$ 13.69	$ 17.80	$ 17.77
Number of Shares Awarded, Exercised	(91,765)
Weighted Average Grant Date Fair Value, Released (number of shares)	$ 17.86
Number of shares forfeited	(850)
Weighted Average Grant Date Fair Value, Forfeited (in usd per share)	$ 17.77
Number of Shares Awarded, Outstanding, Ending	1,339,833	1,257,898
Weighted Average Grant Date Fair Value, Outstanding (in usd per share)	$ 13.85	$ 14.17

Equity Incentive Plan (Share-_2

Equity Incentive Plan (Share-based Payment Arrangement, Performance Shares, Activity) (Details) - Performance Shares - $ / shares	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding [Roll Forward]
Number of Shares Awarded, Outstanding, Beginning	169,954
Weighted Average Grant Date Fair Value, Outstanding (in usd per share)	$ 18.46
Number of Shares Awarded, Granted	102,000
Weighted Average Grant Date Fair Value, Granted (in usd per share)	$ 13.69	$ 17.80	$ 17.77
Number of Shares Awarded, Exercised	(58,277)
Weighted Average Grant Date Fair Value, Released (number of shares)	$ 19.76
Number of shares forfeited	0
Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Adjustments In Period	4,394
Weighted Average Grant Date Fair Value, Adjustment In Period	$ 17.77
Number of Shares Awarded, Outstanding, Ending	218,071	169,954
Weighted Average Grant Date Fair Value, Outstanding (in usd per share)	$ 15.87	$ 18.46

Equity Incentive Plan (Summary

Equity Incentive Plan (Summary Of The Company's Stock Option Activity And Related Information For The Equity Plan) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Number of Stock Options, Outstanding (in shares)	2,361,175
Weighted Average Exercise Price, Outstanding (in usd per share)	$ 15.14
Weighted Average Remaining Contractual Life, Outstanding (in years)	2 years 7 months 28 days	3 years 3 months 25 days
Aggregate Intrinsic Value, Outstanding	$ 429
Number of Stock Options, Exercised (in shares)	(315,200)
Weighted Average Exercise Price, Exercised (in usd per share)	$ 11.64
Stock options exercised, intrinsic value	$ 820	$ 551	$ 8,605
Number of Stock Options, Forfeited (in shares)	(54,000)
Weighted Average Exercise Price, Forfeited (in usd per share)	$ 14.94
Aggregate Intrinsic Value, Forfeited	$ 0
Number of Stock Options, Outstanding (in shares)	1,991,975	2,361,175
Weighted Average Exercise Price, Outstanding (in usd per share)	$ 15.69	$ 15.14
Weighted Average Remaining Contractual Life, Outstanding (in years)	2 years 7 months 28 days	3 years 3 months 25 days
Aggregate Intrinsic Value, Outstanding	$ 0	$ 429
Number of Stock Options, Vested and exercisable at September 30, 2021 (in shares)	1,991,975
Weighted Average Exercise Price, Vested and exercisable at September 30, 2021 (in usd per share)	$ 15.69
Weighted Average Remaining Contractual Life, Vested and exercisable at September 30, 2021 (in years)	2 years 7 months 28 days
Aggregate Intrinsic Value, Vested and exercisable at September 30, 2021	$ 0
Number of Stock Options, Vested or expected to vest at September 30, 2021 (in shares)	1,991,975
Weighted Average Exercise Price, Vested or expected to vest at September 30, 2021 (in usd per share)	$ 15.69
Weighted Average Remaining Contractual Life, Vested or expected to vest at September 30, 2021 (in years)	2 years 7 months 28 days
Aggregate Intrinsic Value, Vested or expected to vest at September 30, 2021	$ 0

Commitments And Contingent Li_3

Commitments And Contingent Liabilities (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Minimum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration days of commitments to extend credit (in days)	60 days
Home equity line of credit unfunded commitments expiration, years	5 years
Maximum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration days of commitments to extend credit (in days)	360 days
Home equity line of credit unfunded commitments expiration, years	10 years
Unfunded Commitments Equity Lines Of Credit Including Suspended Accounts
Unfunded And Commitments To Originate [Line Items]
Unfunded commitments on home equity lines of credit (including commitments for suspended accounts)	$ 4,728,215
Loan Sale Commitments | Residential Mortgage
Unfunded And Commitments To Originate [Line Items]
Contractual Obligation	2,094	$ 0
Loan Purchase Commitments | Residential Mortgage
Unfunded And Commitments To Originate [Line Items]
Contractual Obligation	$ 51,275	$ 0

Commitment And Contingent Liabi

Commitment And Contingent Liabilities (Schedule of Off-Balance Sheet Risks (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Commitments To Originate
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	$ 349,424
Off-Balance Sheet, Credit Loss, Liability	3,452
Commitments To Originate Fixed-Rate Mortgage Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	130,448
Off-Balance Sheet, Credit Loss, Liability	673
Commitments To Originate Adjustable-Rate Mortgage Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	44,034
Off-Balance Sheet, Credit Loss, Liability	232
Commitments To Originate Equity Loans And Lines Of Credit Including Bridge Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	174,942
Off-Balance Sheet, Credit Loss, Liability	2,547
Unfunded Commitments
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	4,722,266
Off-Balance Sheet, Credit Loss, Liability	24,063
Unfunded Commitments Equity Lines Of Credit
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	4,696,512
Off-Balance Sheet, Credit Loss, Liability	23,811
Unfunded Commitments Construction Loans
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total	25,754
Off-Balance Sheet, Credit Loss, Liability	$ 252

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Portion at Other than Fair Value | Original Or Adjusted Cost Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real estate owned	$ 194	$ 155
Portion at Other than Fair Value | Performing | Troubled Debt Restructuring | Present Value Of Cash Flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Performing troubled debt restructurings individually evaluated for impairment	74,691	76,692
Allowance on loans evaluated for impairment based on the present value of cash flows	9,546	10,284
Net gain on the sale of loans	498	1,136	$ 33,082
Investment securities available-for-sale	508,324	457,908
Loans held for sale, fair value	3,260	9,661
Real estate owned	1,444	1,191
Cost to dispose related to real estate owned properties measured at fair value	163	156
Interest Rate Swap | Cash Flow Hedging | Designated as Hedging Instrument
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest Rate Derivatives, at Fair Value, Net	0
Troubled Debt Restructuring | Present Value Of Cash Flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Allowance on loans evaluated for impairment based on the present value of cash flows	9,546	10,284
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale	508,324	457,908
Loans held for sale, fair value	3,260	9,661
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale	0	0
Loans held for sale, fair value	0	0
Fair Value, Measurements, Nonrecurring | Fair Value, Inputs, Level 3 | Market Approach Valuation Technique
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real estate owned	1,413	1,192
Loans Held-For-Sale Subject To Pending Agency Contracts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	0	0
Net gain on the sale of loans	0	0	$ 134
Loans held for sale, fair value	3,260	9,661
US Government Corporations and Agencies Securities | Fair Value, Measurements, Recurring | Fair Value, Inputs, Level 2 | Market Approach Valuation Technique
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale	$ 508,324	$ 457,908

Fair Value (Fair Value Of Asset

Fair Value (Fair Value Of Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Assets
Investment securities available-for-sale	$ 508,324	$ 457,908
Mortgage loans held for sale	3,260	9,661
Carrying Amount
Assets
Investment securities available-for-sale	508,324	457,908
Mortgage loans held for sale	3,260	9,661
Interest Rate Lock Commitments
Liabilities
Derivative liability	1	333
Interest Rate Lock Commitments | Carrying Amount
Liabilities
Derivative liability	1	333
Forward Commitments For Sale Of Mortgage Loans
Assets
Derivative Asset	11
Forward Commitments For Sale Of Mortgage Loans | Carrying Amount
Assets
Derivative Asset	11
REMIC's
Assets
Investment securities available-for-sale	443,007	453,268
Fannie Mae Certificates
Assets
Investment securities available-for-sale	814	1,021
Loans Held-For-Sale Subject To Pending Agency Contracts
Assets
Mortgage loans held for sale	3,260	9,661
Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets
Investment securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Liabilities
Derivative liability	0	0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Forward Commitments For Sale Of Mortgage Loans
Assets
Derivative Asset	0
Significant Other Observable Inputs (Level 2)
Assets
Investment securities available-for-sale	508,324	457,908
Mortgage loans held for sale	3,260	9,661
Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Liabilities
Derivative liability	0	0
Significant Other Observable Inputs (Level 2) | Forward Commitments For Sale Of Mortgage Loans
Assets
Derivative Asset	11
Significant Unobservable Inputs (Level 3)
Assets
Investment securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Liabilities
Derivative liability	1	333
Significant Unobservable Inputs (Level 3) | Forward Commitments For Sale Of Mortgage Loans
Assets
Derivative Asset	0
Fair Value, Measurements, Recurring
Assets
Total	508,335	457,908
Liabilities
Derivative liability		333
Total	1	$ 333
Fair Value, Measurements, Recurring | Interest Rate Lock Commitments
Liabilities
Derivative liability	$ 1
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Forward Commitments For Sale Of Mortgage Loans
Assets
Derivative Asset	$ 11
Fair Value, Measurements, Recurring | REMIC's
Assets
Investment securities available-for-sale	443,007	$ 453,268
Fair Value, Measurements, Recurring | Fannie Mae Certificates
Assets
Investment securities available-for-sale	814	1,021
Fair Value, Measurements, Recurring | US Treasury Notes Securities
Assets
Investment securities available-for-sale	63,459	3,619
Fair Value, Measurements, Recurring | Freddie Mac certificates
Assets
Investment securities available-for-sale	1,044
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets
Total	0	0
Liabilities
Derivative liability		0
Total	0	$ 0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Liabilities
Derivative liability	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Forward Commitments For Sale Of Mortgage Loans
Assets
Derivative Asset	$ 0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | REMIC's
Assets
Investment securities available-for-sale	0	$ 0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Fannie Mae Certificates
Assets
Investment securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | US Treasury Notes Securities
Assets
Investment securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Freddie Mac certificates
Assets
Investment securities available-for-sale	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Assets
Total	508,335	457,908
Liabilities
Derivative liability		0
Total	0	$ 0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Liabilities
Derivative liability	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Forward Commitments For Sale Of Mortgage Loans
Assets
Derivative Asset	$ 11
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | REMIC's
Assets
Investment securities available-for-sale	443,007	$ 453,268
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fannie Mae Certificates
Assets
Investment securities available-for-sale	814	1,021
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | US Treasury Notes Securities
Assets
Investment securities available-for-sale	63,459	3,619
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Freddie Mac certificates
Assets
Investment securities available-for-sale	1,044
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Assets
Total	0	0
Liabilities
Derivative liability		333
Total	1	$ 333
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Liabilities
Derivative liability	$ 1
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) | Forward Commitments For Sale Of Mortgage Loans
Assets
Derivative Asset	$ 0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | REMIC's
Assets
Investment securities available-for-sale	0	$ 0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fannie Mae Certificates
Assets
Investment securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | US Treasury Notes Securities
Assets
Investment securities available-for-sale	0	$ 0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Freddie Mac certificates
Assets
Investment securities available-for-sale	$ 0

Fair Value (Reconciliation Of F

Fair Value (Reconciliation Of Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input) (Details) - Fair Value, Inputs, Level 3 - Interest Rate Lock Commitments - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ (333)	$ 525	$ 1,194
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Gain (loss) during the period due to changes in fair value:
Included in other non-interest income	$ 332	$ (858)	$ (669)
Ending balance	(1)	(333)	525
Change in unrealized gains for the period included in earnings for assets held at end of the reporting date	$ (1)	$ (333)	$ 525
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Nonrecurring Basis) (Details) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	$ 42,962	$ 57,974
Collateral-dependent loans, net of allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	38,289	47,121
Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	1,413	1,192
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	3,260	9,661
Quoted Prices In Active Markets For Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Collateral-dependent loans, net of allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	3,260	9,661
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
Significant Other Observable Inputs (Level 2) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Significant Other Observable Inputs (Level 2) | Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	3,260	9,661
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	39,702	48,313
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	38,289	47,121
Significant Unobservable Inputs (Level 3) | Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	1,413	1,192
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

Fair Value (Quantitative Inform

Fair Value (Quantitative Information About Significant Unobservable Inputs Categorized Within Level 3 Of The Fair Value Hierarchy) (Details) $ in Thousands	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
Interest Rate Lock Commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Liabilities Fair Value Disclosure	$ (1)	$ (333)
Fair Value, Inputs, Level 3 | Measurement Input, Discounted Appraised Value | Discounted Market Comparable Of Collateral | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans, Net Of Allowance Measurement Input	0	0
Fair Value, Inputs, Level 3 | Measurement Input, Discounted Appraised Value | Discounted Market Comparable Of Collateral | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans, Net Of Allowance Measurement Input	0.30	0.28
Fair Value, Inputs, Level 3 | Measurement Input, Discounted Appraised Value | Discounted Market Comparable Of Collateral | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans, Net Of Allowance Measurement Input	0.048	0.047
Fair Value, Inputs, Level 3 | Measurement Input, Discounted Appraised Value | Discounted Market Comparable Of Collateral | Collateral-dependent loans, net of allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset, fair value	$ 38,289	$ 47,121
Fair Value, Inputs, Level 3 | Measurement Input, Closure Rate | Secondary Market Pricing | Interest Rate Lock Commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Liabilities Fair Value Disclosure	(1)
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Liabilities Fair Value Disclosure	$ (1)	(333)
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Measurement Input, Closure Rate | Secondary Market Pricing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Liabilities Fair Value Disclosure		$ (333)
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Measurement Input, Closure Rate | Secondary Market Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset (Liability) Net, Measurement Input	0	0
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Measurement Input, Closure Rate | Secondary Market Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset (Liability) Net, Measurement Input	1	1
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Measurement Input, Closure Rate | Secondary Market Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset (Liability) Net, Measurement Input	0.995	0.937

Fair Value (Estimated Fair Valu

Fair Value (Estimated Fair Value Of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Carrying Amount
Assets
Investment securities available-for-sale	$ 508,324	$ 457,908
Mortgage loans held for sale	3,260	9,661
Loans, net:
Federal Home Loan Bank stock	247,098	212,290
Cash collateral held by counterparty	24,887	26,045
Liabilities:
Borrowed funds	5,273,637	4,793,221
Carrying Amount | Checking and passbook accounts
Liabilities:
Deposit accounts	2,790,476	3,056,506
Carrying Amount | Certificates of Deposit
Liabilities:
Deposit accounts	6,659,344	5,864,511
Carrying Amount | Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	124,417	117,250
Carrying Amount | Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	29,811	29,913
Carrying Amount | Interest Rate Lock Commitments
Liabilities:
Derivative liability	1	333
Carrying Amount | Cash and due from banks
Assets
Cash and Cash Equivalents	29,134	18,961
Carrying Amount | Interest Earning Cash Equivalents
Assets
Cash and Cash Equivalents	437,612	350,603
Carrying Amount | Mortgage Receivable
Loans, net:
Loans, net	15,161,336	14,253,804
Carrying Amount | Other Loans
Loans, net:
Loans, net	4,411	3,263
Carrying Amount | Accrued Interest Receivable
Loans, net:
Accrued interest receivable	53,910	40,256
Carrying Amount | Forward Commitments For Sale Of Mortgage Loans
Loans, net:
Derivatives	11
Investment securities available-for-sale	508,324	457,908
Mortgage loans held for sale	3,260	9,661
Mortgage loans held for sale	3,260	9,661
Federal Home Loan Bank stock	247,098	212,290
Cash collateral held by counterparty	24,887	26,045
Liabilities:
Borrowed funds	5,256,278	4,734,377
Fair Value, Measurements, Recurring
Liabilities:
Derivative liability		333
Checking and passbook accounts
Liabilities:
Deposit accounts	2,790,476	3,056,506
Certificates of Deposit
Liabilities:
Deposit accounts	6,571,674	5,733,418
Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	124,417	117,250
Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	29,811	29,913
Interest Rate Lock Commitments
Liabilities:
Derivative liability	1	333
Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability	1
Cash and due from banks
Assets
Cash and Cash Equivalents	29,134	18,961
Interest Earning Cash Equivalents
Assets
Cash and Cash Equivalents	437,612	350,603
Mortgage Receivable
Loans, net:
Loans, net	13,262,711	13,106,346
Other Loans
Loans, net:
Loans, net	4,411	3,263
Accrued Interest Receivable
Loans, net:
Accrued interest receivable	53,910	40,256
Forward Commitments For Sale Of Mortgage Loans
Loans, net:
Derivatives	11
Forward Commitments For Sale Of Mortgage Loans | Fair Value, Measurements, Recurring
Loans, net:
Derivatives	11
Fair Value, Inputs, Level 1
Assets
Investment securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Loans, net:
Cash collateral held by counterparty	24,887	26,045
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 1 | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability		0
Fair Value, Inputs, Level 1 | Checking and passbook accounts
Liabilities:
Deposit accounts	0	0
Fair Value, Inputs, Level 1 | Certificates of Deposit
Liabilities:
Deposit accounts	0	0
Fair Value, Inputs, Level 1 | Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	0	0
Fair Value, Inputs, Level 1 | Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	0	0
Fair Value, Inputs, Level 1 | Interest Rate Lock Commitments
Liabilities:
Derivative liability	0	0
Fair Value, Inputs, Level 1 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability	0
Fair Value, Inputs, Level 1 | Cash and due from banks
Assets
Cash and Cash Equivalents	29,134	18,961
Fair Value, Inputs, Level 1 | Interest Earning Cash Equivalents
Assets
Cash and Cash Equivalents	437,612	350,603
Fair Value, Inputs, Level 1 | Mortgage Receivable
Loans, net:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Other Loans
Loans, net:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Accrued Interest Receivable
Loans, net:
Accrued interest receivable	0	0
Fair Value, Inputs, Level 1 | Forward Commitments For Sale Of Mortgage Loans
Loans, net:
Derivatives	0
Fair Value, Inputs, Level 1 | Forward Commitments For Sale Of Mortgage Loans | Fair Value, Measurements, Recurring
Loans, net:
Derivatives	0
Fair Value, Inputs, Level 2
Assets
Investment securities available-for-sale	508,324	457,908
Mortgage loans held for sale	3,260	9,661
Loans, net:
Federal Home Loan Bank stock	0	0
Cash collateral held by counterparty	0	0
Liabilities:
Borrowed funds	5,256,278	4,734,377
Fair Value, Inputs, Level 2 | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability		0
Fair Value, Inputs, Level 2 | Checking and passbook accounts
Liabilities:
Deposit accounts	2,790,476	3,056,506
Fair Value, Inputs, Level 2 | Certificates of Deposit
Liabilities:
Deposit accounts	6,571,674	5,733,418
Fair Value, Inputs, Level 2 | Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	124,417	117,250
Fair Value, Inputs, Level 2 | Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	29,811	29,913
Fair Value, Inputs, Level 2 | Interest Rate Lock Commitments
Liabilities:
Derivative liability	0	0
Fair Value, Inputs, Level 2 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability	0
Fair Value, Inputs, Level 2 | Cash and due from banks
Assets
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 2 | Interest Earning Cash Equivalents
Assets
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 2 | Mortgage Receivable
Loans, net:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Other Loans
Loans, net:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Accrued Interest Receivable
Loans, net:
Accrued interest receivable	53,910	40,256
Fair Value, Inputs, Level 2 | Forward Commitments For Sale Of Mortgage Loans
Loans, net:
Derivatives	11
Fair Value, Inputs, Level 2 | Forward Commitments For Sale Of Mortgage Loans | Fair Value, Measurements, Recurring
Loans, net:
Derivatives	11
Fair Value, Inputs, Level 3
Assets
Investment securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Loans, net:
Federal Home Loan Bank stock	0	0
Cash collateral held by counterparty	0	0
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 3 | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability		333
Fair Value, Inputs, Level 3 | Checking and passbook accounts
Liabilities:
Deposit accounts	0	0
Fair Value, Inputs, Level 3 | Certificates of Deposit
Liabilities:
Deposit accounts	0	0
Fair Value, Inputs, Level 3 | Borrowers' Advances for Taxes and Insurance
Liabilities:
Other liabilities	0	0
Fair Value, Inputs, Level 3 | Principal, Interest, And Related Escrow Owed On Loans Serviced
Liabilities:
Other liabilities	0	0
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments
Liabilities:
Derivative liability	1	333
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Fair Value, Measurements, Recurring
Liabilities:
Derivative liability	1
Fair Value, Inputs, Level 3 | Cash and due from banks
Assets
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 3 | Interest Earning Cash Equivalents
Assets
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 3 | Mortgage Receivable
Loans, net:
Loans, net	13,262,711	13,106,346
Fair Value, Inputs, Level 3 | Other Loans
Loans, net:
Loans, net	4,411	3,263
Fair Value, Inputs, Level 3 | Accrued Interest Receivable
Loans, net:
Accrued interest receivable	0	$ 0
Fair Value, Inputs, Level 3 | Forward Commitments For Sale Of Mortgage Loans
Loans, net:
Derivatives	0
Fair Value, Inputs, Level 3 | Forward Commitments For Sale Of Mortgage Loans | Fair Value, Measurements, Recurring
Loans, net:
Derivatives	$ 0

Derivative Investments (Narrati

Derivative Investments (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Derivative [Line Items]
Estimated amount to be reclassed in the next 12 months as an increase to expense	$ 90,257
Cash collateral held by counterparty	24,887	$ 26,045
Investment securities available-for-sale	508,324	457,908
US Treasury Securities
Derivative [Line Items]
Investment securities available-for-sale	63,459	3,619
US Treasury Securities | Asset Pledged as Collateral | Margin Requirement
Derivative [Line Items]
Investment securities available-for-sale	59,813	0
Carrying Amount
Derivative [Line Items]
Cash collateral held by counterparty	24,887	26,045
Investment securities available-for-sale	$ 508,324	$ 457,908

Derivative Instruments (Schedul

Derivative Instruments (Schedule Of Derivative Instruments In Statement Of Financial Position, Fair Value) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	$ 3,924	$ 9,170
Derivative Assets (Liabilities), at Fair Value, Net	10	(333)
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Liabilities
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	1,830	9,170
Other Liabilities	(1)	(333)
Not Designated as Hedging Instrument | Forward Commitments For Sale Of Mortgage Loans | Other Assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	2,094	0
Other Assets	11	0
Cash Flow Hedging | Designated as Hedging Instrument | Interest Rate Swap | Other Assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	3,815,000	1,550,000
Derivative Assets (Liabilities), at Fair Value, Net	$ 0	$ 0
Derivative, Average Remaining Maturity	3 years 8 months 12 days	2 years 8 months 12 days
Debt, Weighted Average Interest Rate	2.91%	1.88%
Cash Flow Hedging | Designated as Hedging Instrument | Interest Rate Swap | Other Assets | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	$ 3,815,000
Derivative Assets (Liabilities), at Fair Value, Net	$ 0
Derivative, Average Remaining Maturity	3 years 8 months 12 days
Debt, Weighted Average Interest Rate	2.91%
Cash Flow Hedging | Designated as Hedging Instrument | Interest Rate Swap | Other Assets | London Interbank Offered Rate Libor Swap Rate L I B O R
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		$ 1,550,000
Derivative Assets (Liabilities), at Fair Value, Net		$ 0
Derivative, Average Remaining Maturity		2 years 8 months 12 days
Debt, Weighted Average Interest Rate		1.88%

Derivative Instruments (Sched_2

Derivative Instruments (Schedule Of Effect Of Derivative Instruments, Gain (Loss) In Statement Of Financial Performance) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Designated as Hedging Instrument | Cash Flow Hedging
Derivatives, Fair Value [Line Items]
Amount of gain/(loss) reclassified from AOCI	$ 59,821	$ (22,740)	$ (44,534)
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]	Borrowed funds from non-thrift subsidiaries	Borrowed funds from non-thrift subsidiaries	Borrowed funds from non-thrift subsidiaries
Designated as Hedging Instrument | Cash Flow Hedging | Other Comprehensive Income (Loss)
Derivatives, Fair Value [Line Items]
Amount of gain/(loss) recognized	$ 146,807	$ 141,163	$ 27,848
Not Designated as Hedging Instrument | Interest Rate Lock Commitments
Derivatives, Fair Value [Line Items]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Total	$ 332	$ (858)	$ (669)
Not Designated as Hedging Instrument | Forward Commitments For Sale Of Mortgage Loans
Derivatives, Fair Value [Line Items]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Net gain on the sale of loans	Net gain on the sale of loans	Net gain on the sale of loans
Total	$ 11	$ 0	$ 134

Parent Company Only Financial_3

Parent Company Only Financial Statements (Schedule Of Statements Of Condition) (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Assets
Cash and due from banks	$ 29,134	$ 18,961
Investment securities available-for-sale	508,324	457,908
Investments in
Other assets	117,270	95,428
TOTAL ASSETS	16,917,979	15,789,879
Liabilities and shareholders' equity
Accrued expenses and other liabilities	112,933	84,139
Total liabilities	$ 14,990,618	$ 13,945,540
Preferred stock, shares outstanding	0	0
Preferred stock	$ 0	$ 0
Common stock	3,323	3,323
Paid-in capital	1,755,027	1,751,223
Treasury Stock	776,101	771,986
Unallocated ESOP shares	(27,084)	(31,417)
Retained earnings - substantially restricted	886,984	870,047
Accumulated other comprehensive loss	85,212	23,149
Total shareholders' equity	1,927,361	1,844,339	$ 1,732,280	$ 1,671,853
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	16,917,979	15,789,879
TFS Financial Corporation
Assets
Cash and due from banks	1,424	1,341
Investment securities available-for-sale	3,646	3,619
Investments in
Prepaid federal and state taxes	738	0
Deferred income taxes	200	296
Other assets	9,786	9,158
TOTAL ASSETS	1,937,938	1,854,523
Liabilities and shareholders' equity
Accrued expenses and other liabilities	2,445	2,532
Accrued Income Taxes	0	167
Total liabilities	$ 10,577	$ 10,184
Preferred stock, shares outstanding	0	0
Preferred stock	$ 0	$ 0
Common stock	3,323	3,323
Paid-in capital	1,755,027	1,751,223
Treasury Stock	776,101	771,986
Unallocated ESOP shares	(27,084)	(31,417)
Retained earnings - substantially restricted	886,984	870,047
Accumulated other comprehensive loss	85,212	23,149
Total shareholders' equity	1,927,361	1,844,339
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,937,938	1,854,523
TFS Financial Corporation | Line of Credit
Liabilities and shareholders' equity
Due to Affiliates1	8,132	7,485
TFS Financial Corporation | Demand loan due from Third Federal Savings and Loan
Other Loans
Due from Affiliates	172,307	184,772
TFS Financial Corporation | ESOP loan receivable
Other Loans
Due from Affiliates	37,254	41,927
TFS Financial Corporation | Bank Subsidiary
Investments in
Investments in	1,704,315	1,605,306
TFS Financial Corporation | Non Bank Subsidiary
Investments in
Investments in	$ 8,268	$ 8,104

Parent Company Only Financial_4

Parent Company Only Financial Statements Parent Company Only Financial Statements (Additional) (Details) - $ / shares	Sep. 30, 2023	Sep. 30, 2022
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	700,000,000	700,000,000
Common stock, shares issued	332,318,750	332,318,750
Common stock, shares outstanding	280,359,173	280,582,741
Treasury stock, at cost	51,959,577	51,736,009
TFS Financial Corporation
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	700,000,000	700,000,000
Common stock, shares issued	332,318,750	332,318,750
Common stock, shares outstanding	280,359,173	280,582,741
Treasury stock, at cost	51,959,577	51,736,009

Parent Company Only Financial_5

Parent Company Only Financial Statements (Schedule Of Statements Of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Interest income
Investment securities available for sale	$ 14,370	$ 5,501	$ 3,822
Interest expense
Borrowed funds from non-thrift subsidiaries	154,151	64,994	60,402
Interest expense	328,352	141,937	157,721
Net interest income	283,567	267,396	231,630
Non-interest Expense
Salaries and employee benefits	112,785	109,339	108,867
Other operating expenses	28,979	26,541	28,336
Total non-interest expense	213,129	198,146	195,835
Net income tax effect	18,117	17,489	19,087
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings)
Net income	75,250	74,565	81,007
Change in net unrealized gain (loss) on securities available for sale	(7,274)	(34,860)	(3,733)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent	66,649	127,093	56,096
Total other comprehensive income (loss)	62,063	90,950	64,164
Total comprehensive income	137,313	165,515	145,171
TFS Financial Corporation
Interest income
Interest Income, Other	54	6	1
Investment securities available for sale	45	43	0
Total interest income	11,579	3,049	1,897
Interest expense
Borrowed funds from non-thrift subsidiaries	351	97	7
Interest expense	351	97	7
Net interest income	11,228	2,952	1,890
Non-interest income
Intercompany service charges	30	30	85
Total other income	40,030	56,030	55,085
Non-interest Expense
Salaries and employee benefits	4,825	4,534	4,917
Professional services	1,253	1,456	1,566
Office property and equipment	13	13	3
Other operating expenses	217	223	176
Total non-interest expense	6,308	6,226	6,662
Income before income taxes	44,950	52,756	50,313
Net income tax effect	(1,294)	(2,826)	(3,848)
Income (loss) before undistributed earnings of subsidiaries	46,244	55,582	54,161
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings)
Net income	75,250	74,565	81,007
Change in net unrealized gain (loss) on securities available for sale	(7,273)	(34,860)	(3,733)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent	66,649	127,093	56,096
Change in pension obligation	2,688	(1,283)	11,801
Total other comprehensive income (loss)	62,064	90,950	64,164
Total comprehensive income	137,314	165,515	145,171
TFS Financial Corporation | Demand loan due from Third Federal Savings and Loan
Interest income
Other Interest	9,047	1,600	164
TFS Financial Corporation | ESOP loan receivable
Interest income
Other Interest	2,433	1,400	1,732
TFS Financial Corporation | Bank Subsidiary
Non-interest income
Dividends paid to the Company by Subsidiary	40,000	56,000	55,000
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings)
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings):	28,843	17,260	24,738
TFS Financial Corporation | Non Bank Subsidiary
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings)
Equity in undistributed earnings of subsidiaries (dividend in excess of earnings):	$ 163	$ 1,723	$ 2,108

Parent Company Only Financial_6

Parent Company Only Financial Statements (Schedule Of Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities
Net income	$ 75,250	$ 74,565	$ 81,007
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings
Deferred income taxes	3,732	(26,876)	(14,249)
ESOP and stock-based compensation expense	10,000	11,009	13,711
Net decrease (increase) in interest receivable and other assets	(39,360)	(13,043)	7,697
Net cash provided by operating activities	90,722	38,929	83,155
Cash flows from investing activities
Payments to Acquire Debt Securities, Available-for-Sale	(144,663)	(250,022)	(297,466)
Net Cash Provided by (Used in) Investing Activities	(1,008,631)	(1,875,095)	547,356
Cash flows from financing activities
Acquisition of treasury shares	(5,978)	(6,290)	(5,591)
Dividends paid to common shareholders	(58,294)	(58,297)	(56,637)
Net cash provided (used in) by financing activities	1,015,091	1,717,404	(640,218)
Cash and cash equivalents—beginning of year	369,564
Cash and cash equivalents—end of year	466,746	369,564
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	97,182	(118,762)	(9,707)
TFS Financial Corporation
Cash flows from operating activities
Net income	75,250	74,565	81,007
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings
Deferred income taxes	87	81	204
ESOP and stock-based compensation expense	1,863	1,543	1,843
Net decrease (increase) in interest receivable and other assets	(1,351)	908	12,593
Net increase (decrease) in accrued expenses and other liabilities	(273)	48	(200)
Net cash provided by operating activities	46,570	58,162	68,601
Cash flows from investing activities
Payments to Acquire Debt Securities, Available-for-Sale	0	(4,071)	0
(Increase) decrease in balances lent to Third Federal Savings and Loan	12,465	304	(12,222)
Net Cash Provided by (Used in) Investing Activities	12,465	(3,767)	(12,222)
Cash flows from financing activities
Principal reduction of ESOP loan	4,673	4,527	4,063
Acquisition of treasury shares	(5,000)	(5,049)	0
Dividends paid to common shareholders	(58,294)	(58,297)	(56,637)
Payment, Tax Withholding, Share-Based Payment Arrangement	(978)	(1,241)	(5,591)
Net increase (decrease) in borrowings from non-thrift subsidiaries	647	1,649	1,787
Net cash provided (used in) by financing activities	(58,952)	(58,411)	(56,378)
Cash and cash equivalents—beginning of year	1,341	5,357	5,356
Cash and cash equivalents—end of year	1,424	1,341	5,357
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	83	(4,016)	1
TFS Financial Corporation | Bank Subsidiary
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings:	(28,843)	(17,260)	(24,738)
TFS Financial Corporation | Non Bank Subsidiary
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings
(Equity in undistributed earnings of subsidiaries) dividend in excess of earnings:	$ (163)	$ (1,723)	$ (2,108)

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - shares	Sep. 30, 2023	Sep. 30, 2022
Earnings Per Share [Abstract]
Shares held by Third Federal Savings, MHC (in shares)	227,119,132
Employee Stock Ownership Plan (ESOP), neither allocated nor committed to be released to participants (in shares)	2,708,371	3,141,711

Earnings Per Share (Summary Of

Earnings Per Share (Summary Of Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Earnings Per Share [Abstract]
Net income	$ 75,250	$ 74,565	$ 81,007
Less: income allocated to restricted stock units	1,569	1,510	1,555
Income available to common shareholders	$ 73,681	$ 73,055	$ 79,452
Income available to common shareholders, Shares	277,436,382	277,370,762	276,694,594
Income available to common shareholders, Per share amount	$ 0.27	$ 0.26	$ 0.29
Effect of dilutive potential common shares	1,147,072	1,315,603	1,881,660
Income available to common shareholders	$ 73,681	$ 73,055	$ 79,452
Income available to common shareholders, Shares	278,583,454	278,686,365	278,576,254
Income available to common shareholders, Per share amount	$ 0.26	$ 0.26	$ 0.29

Earnings Per Share Earnings Per

Earnings Per Share Earnings Per Share (Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share) (Details) - shares	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 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)	1,991,975	407,100	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)	57,669	50,000	0

Related Party Disclosures (Deta

Related Party Disclosures (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Related Party Transactions [Abstract]
Loans to related parties	$ 0	$ 0