TFS Financial (TFSL) 10-Q 8 Aug 24 2024 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Jun. 30, 2024	Aug. 06, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity File Number	001-33390
Entity Registrant Name	TFS FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	52-2054948
Entity Address, Address Line One	7007 Broadway Avenue
Entity Address, City or Town	Cleveland,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	44105
City Area Code	216
Local Phone Number	441-6000
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	TFSL
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		280,710,854
Entity Central Index Key	0001381668
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Statements Of Cond

Consolidated Statements Of Condition (unaudited) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
ASSETS
Cash and due from banks	$ 29,411	$ 29,134
Other interest-earning cash equivalents	531,024	437,612
Cash and cash equivalents	560,435	466,746
Investments securities available-for-sale	522,967	508,324
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance	30,391	3,260
Loans held for investment, net:
Deferred loan expenses, net	62,738	60,807
Allowance for credit losses on loans	(67,529)	(77,315)
Loans, net	15,189,962	15,165,747
Mortgage loan servicing rights, net	7,591	7,400
Federal Home Loan Bank stock, at cost	232,083	247,098
Real estate owned, net	431	1,444
Premises, equipment, and software, net	33,665	34,708
Accrued interest receivable	58,615	53,910
Bank owned life insurance contracts	315,710	312,072
Other assets	83,090	117,270
TOTAL ASSETS	17,034,940	16,917,979
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	10,025,977	9,449,820
Borrowed funds	4,829,365	5,273,637
Borrowers’ advances for insurance and taxes	66,757	124,417
Principal, interest, and related escrow owed on loans serviced	16,867	29,811
Accrued expenses and other liabilities	180,910	112,933
Total liabilities	15,119,876	14,990,618
Commitments and contingent liabilities
Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding	0	0
Common stock, $0.01 par value, 700,000,000 shares authorized; 332,318,750 shares issued; 280,710,854 and 280,359,173 outstanding at June 30, 2024 and September 30, 2023, respectively	3,323	3,323
Paid-in capital	1,753,074	1,755,027
Treasury stock, at cost; 51,607,896 and 51,959,577 shares at June 30, 2024 and September 30, 2023, respectively	(772,195)	(776,101)
Unallocated ESOP shares	(23,834)	(27,084)
Retained earnings—substantially restricted	912,082	886,984
Accumulated other comprehensive income	42,614	85,212
Total shareholders’ equity	1,915,064	1,927,361
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	17,034,940	16,917,979
Mortgage loans
Loans held for investment, net:
Loans, gross	15,189,683	15,177,844
Other Loans
Loans held for investment, net:
Loans, gross	$ 5,070	$ 4,411

Consolidated Statements Of Co_2

Consolidated Statements Of Condition (unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Statement of Financial Position [Abstract]
Investment securities available for sale (amortized cost $564,548 and $561,715, respectively)	$ 564,548	$ 561,715
Mortgage loans held for sale ($30,391 and $3,260 measured at fair value, respectively)	$ 30,391	$ 3,260
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares outstanding	0	0
Preferred stock, shares issued	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	700,000,000	700,000,000
Common stock, shares issued	332,318,750	332,318,750
Common stock, shares outstanding	280,710,854	280,359,173
Treasury stock, shares	51,607,896	51,959,577

Consolidated Statements Of Inco

Consolidated Statements Of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$ 166,268	$ 144,347	$ 491,273	$ 410,847
Investment securities available for sale	4,663	3,712	13,534	10,229
Other interest and dividend earning assets	13,975	8,598	40,751	22,103
Total interest and dividend income	184,906	156,657	545,558	443,179
INTEREST EXPENSE:
Deposits	75,521	48,905	212,532	118,636
Borrowed funds	40,112	38,973	123,283	111,339
Total interest expense	115,633	87,878	335,815	229,975
NET INTEREST INCOME	69,273	68,779	209,743	213,204
PROVISION (RELEASE) FOR CREDIT LOSSES	(500)	0	(2,500)	(2,000)
NET INTEREST INCOME AFTER PROVISION (RELEASE) FOR CREDIT LOSSES	69,773	68,779	212,243	215,204
NON-INTEREST INCOME:
Net gain on the sale of loans	723	21	1,646	617
Increase in and death benefits from bank owned life insurance contracts	2,254	2,790	7,638	7,151
Other	1,171	1,113	3,308	2,782
Total non-interest income	6,245	5,843	18,282	16,329
NON-INTEREST EXPENSE:
Salaries and employee benefits	26,845	25,332	81,462	84,125
Marketing services	4,867	7,023	14,397	21,407
Office property, equipment and software	7,008	7,246	21,156	20,848
Federal insurance premium and assessments	3,258	3,574	11,049	9,823
State franchise tax	1,244	1,230	3,658	3,706
Other expenses	7,566	8,472	21,541	21,736
Total non-interest expense	50,788	52,877	153,263	161,645
INCOME BEFORE INCOME TAXES	25,230	21,745	77,262	69,888
INCOME TAX EXPENSE	5,277	4,142	15,889	14,184
NET INCOME	$ 19,953	$ 17,603	$ 61,373	$ 55,704
Earnings Per Share, Diluted	$ 0.07	$ 0.06	$ 0.22	$ 0.20
Earnings Per Share, Basic	$ 0.07	$ 0.06	$ 0.22	$ 0.20
Weighted average shares outstanding
Basic	278,291,376	277,472,312	278,104,352	277,384,689
Diluted	279,221,360	278,590,810	279,072,087	278,507,602
Banking
NON-INTEREST INCOME:
Fees and service charges, net of amortization	$ 2,097	$ 1,919	$ 5,690	$ 5,779

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income	$ 19,953	$ 17,603	$ 61,373	$ 55,704
Other comprehensive income (loss), net of tax:
Net change in unrealized gain (loss) on securities available for sale	42	(6,127)	9,108	(3,915)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax	49	52,215	(52,439)	31,163
Net change in defined benefit plan obligation	105	196	733	588
Other comprehensive income (loss)	196	46,284	(42,598)	27,836
Total comprehensive income	$ 20,149	$ 63,887	$ 18,775	$ 83,540

Consolidated Statements Of Shar

Consolidated Statements Of Shareholders' Equity (unaudited) - USD ($) $ in Thousands	Total	Adoption of ASU 2022-02	Common Stock	Paid-In Capital	Treasury Stock, Common	Unallocated Common Stock Held By ESOP	Retained Earnings	Retained Earnings Adoption of ASU 2022-02	Accumulated other comprehensive income (loss)
Balance at Sep. 30, 2022	$ 1,844,339		$ 3,323	$ 1,751,223	$ (771,986)	$ (31,417)	$ 870,047		$ 23,149
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	55,704						55,704
Other comprehensive income (loss)	27,836								27,836
Other comprehensive income (loss), net of tax	27,836						0
ESOP shares allocated or committed to be released	4,314			1,064		3,250
Compensation costs for equity incentive plans	3,284			3,284			0
Purchase of treasury stock	(5,000)				(5,000)
Treasury stock allocated to equity incentive plan	(636)			(1,770)	1,134		0
Dividends paid to common shareholders	(43,717)						(43,717)
Balance at Jun. 30, 2023	1,886,124		3,323	1,753,801	(775,852)	(28,167)	882,034		50,985
Balance at Mar. 31, 2023	1,834,476		3,323	1,752,508	(775,852)	(29,250)	879,046		4,701
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	17,603						17,603
Other comprehensive income (loss)	46,284								46,284
Other comprehensive income (loss), net of tax	46,284						0
ESOP shares allocated or committed to be released	1,315			232		1,083
Compensation costs for equity incentive plans	1,065			1,065			0
Treasury stock allocated to equity incentive plan	(4)			(4)	0		0
Dividends paid to common shareholders	(14,615)						(14,615)
Balance at Jun. 30, 2023	1,886,124		3,323	1,753,801	(775,852)	(28,167)	882,034		50,985
Balance at Sep. 30, 2023	1,927,361		3,323	1,755,027	(776,101)	(27,084)	886,984		85,212
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	61,373						61,373
Other comprehensive income (loss)	(42,598)								(42,598)
Other comprehensive income (loss), net of tax	(42,598)						0		(42,598)
ESOP shares allocated or committed to be released	4,201			951		3,250
Compensation costs for equity incentive plans	2,926			2,926			0
Treasury stock allocated to equity incentive plan	(1,924)			(5,830)	3,906		0
Dividends paid to common shareholders	(44,173)						(44,173)
Balance at Jun. 30, 2024	1,915,064		3,323	1,753,074	(772,195)	(23,834)	912,082		42,614
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Income Tax Effects Allocated Directly to Equity, Cumulative Effect of Change in Accounting Principle | Accounting Standards Update 2022-02		$ 7,898						$ 7,898
Balance at Mar. 31, 2024	1,907,497		3,323	1,751,960	(772,195)	(24,917)	906,908		42,418
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	19,953						19,953
Other comprehensive income (loss)	196								196
Other comprehensive income (loss), net of tax	196						0		196
ESOP shares allocated or committed to be released	1,363			280		1,083
Compensation costs for equity incentive plans	840			840			0
Treasury stock allocated to equity incentive plan	(6)			(6)	0
Dividends paid to common shareholders	(14,779)						(14,779)
Balance at Jun. 30, 2024	$ 1,915,064		$ 3,323	$ 1,753,074	$ (772,195)	$ (23,834)	$ 912,082		$ 42,614

Consolidated Statements Of Sh_2

Consolidated Statements Of Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Purchase of treasury stock (in shares)				361,869
Dividends paid to common shareholders (per common share)	$ 0.2825	$ 0.2825	$ 0.8475	$ 0.8475

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 61,373	$ 55,704
Adjustments to reconcile net income to net cash provided by operating activities:
ESOP and stock-based compensation expense	7,127	7,598
Depreciation and amortization	14,075	13,387
Deferred income taxes	(200)	(174)
Provision (release) for credit losses	(2,500)	(2,000)
Net gain on the sale of loans	(1,646)	(617)
Other net (gains) losses	276	(225)
Proceeds from sales of loans held for sale	67,711	34,819
Loans originated and principal repayments on loans for sale	(88,404)	(33,940)
Increase in bank owned life insurance contracts	(7,638)	(6,520)
Net decrease (increase) in interest receivable and other assets	4,212	(23,702)
Net increase in accrued expenses and other liabilities	92,894	32,566
Net cash provided by operating activities	147,280	76,896
CASH FLOWS FROM INVESTING ACTIVITIES:
Loans originated	(2,113,358)	(2,515,388)
Principal repayments on loans	1,980,087	1,868,345
Proceeds from principal repayments and maturities of:
Securities available for sale	118,313	62,563
Proceeds from sale of:
Loans	106,561	23,018
Real estate owned	983	319
FHLB stock	49,530	0
Purchases of:
FHLB stock	(34,515)	(34,808)
Securities available for sale	(121,092)	(124,190)
Premises and equipment	(2,349)	(4,048)
Other	3,001	88
Net cash used in investing activities	(12,839)	(724,101)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	564,596	145,140
Net decrease in borrowers’ advances for insurance and taxes	(57,660)	(42,891)
Net Change Noninterest-Bearing Deposits, Domestic	(12,944)	(13,403)
Net increase (decrease) in short-term borrowed funds	(742,000)	518,050
Net increase (decrease) in Fed Funds purchased	0	(225,000)
Proceeds from Issuance of Long-Term Debt	575,000	350,000
Repayment of long-term borrowed funds	(276,766)	(2,232)
Cash collateral received from (provided to) derivative counterparties	(44,851)	33,561
Purchase of treasury shares	(1,924)	(5,636)
Dividends paid to common shareholders	(44,203)	(43,733)
Net cash (used in) provided by financing activities	(40,752)	713,856
NET INCREASE IN CASH AND CASH EQUIVALENTS	93,689	66,651
CASH AND CASH EQUIVALENTS—Beginning of period	466,746	369,564
CASH AND CASH EQUIVALENTS—End of period	560,435	436,215
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for income taxes	13,724	17,444
SUPPLEMENTAL SCHEDULES OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Transfer of loans to real estate owned	247	589
Transfer of loans from held for investment to held for sale	112,917	22,899
Transfer of loans from held for sale to held for investment	771	8,433
Treasury stock issued for stock benefit plans	5,831	1,769
Deposits
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	213,378	116,252
Borrowed funds
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	178,708	129,871
Interest Rate Swap
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid (received) for interest on interest rate swaps	$ (67,081)	$ (29,356)

Basis Of Presentation

Basis Of Presentation	9 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Basis Of Presentation	BASIS OF PRESENTATION TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering and, to a much lesser extent, other financial services. As of June 30, 2024, approximately 80.9% of the Company’s outstanding shares were owned by the federally chartered mutual holding company, Third Federal Savings and Loan Association of Cleveland, MHC. The thrift subsidiary of TFS Financial Corporation is Third Federal Savings and Loan Association of Cleveland. The accounting and financial reporting policies followed by the Company conform in all material respects to U.S. GAAP and to general practices in the financial services industry. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for credit losses, the valuation of deferred tax assets, and the determination of pension obligations are particularly subject to change. The unaudited interim consolidated financial statements reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial condition of the Company at June 30, 2024, and its consolidated results of operations and cash flows for the periods presented. Such adjustments are the only adjustments reflected in the unaudited interim financial statements. In accordance with SEC Regulation S-X for interim financial information, these financial statements do not include certain information and footnote disclosures required for complete audited financial statements. The Company’s Annual Report on Form 10-K for the fiscal year ended September 30, 2023, contains audited consolidated financial statements and related notes, which should be read in conjunction with the accompanying interim consolidated financial statements. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for the fiscal year ending September 30, 2024, or for any other period. Effective October 1, 2023, the Company adopted ASU 2022-02, Financial Instruments - Credit Losses (Topic 326 ), eliminating the accounting guidance for TDR by creditors in Subtopic 310-40. Refer to Note 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES and Note 14. RECENT ACCOUNTING PRONOUNCEMENTS for additional details related to the adoption. Per ASC 606, Revenue from Contracts with Customers

Earnings Per Share

Earnings Per Share	9 Months Ended
	Jun. 30, 2024
Earnings Per Share [Abstract]
Earnings Per Share	EARNINGS PER SHARE Basic earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. For purposes of computing 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 June 30, 2024 and 2023, the ESOP held 2,383,366 and 2,816,706 shares, respectively, that were neither allocated to participants nor committed to be released to participants. The following is a summary of the Company's earnings per share calculations. For the Three Months Ended June 30, 2024 2023 Income Shares Per share Income Shares Per share (Dollars in thousands, except per share data) Net income $ 19,953 $ 17,603 Less: income allocated to restricted stock units 343 388 Basic earnings per share: Income available to common shareholders 19,610 278,291,376 $ 0.07 17,215 277,472,312 $ 0.06 Diluted earnings per share: Effect of dilutive potential common shares 929,984 1,118,498 Income available to common shareholders $ 19,610 279,221,360 $ 0.07 $ 17,215 278,590,810 $ 0.06 For the Nine Months Ended June 30, 2024 2023 Income Shares Per share Income Shares Per share (Dollars in thousands, except per share data) Net income $ 61,373 $ 55,704 Less: income allocated to restricted stock units 1,090 1,164 Basic earnings per share: Income available to common shareholders 60,283 278,104,352 $ 0.22 54,540 277,384,689 $ 0.20 Diluted earnings per share: Effect of dilutive potential common shares 967,735 1,122,913 Income available to common shareholders $ 60,283 279,072,087 $ 0.22 $ 54,540 278,507,602 $ 0.20 The following is a summary of outstanding stock options and restricted and performance share units that are excluded from the computation of diluted earnings per share because their inclusion would be anti-dilutive. For the Three Months Ended June 30, For the Nine Months Ended June 30, 2024 2023 2024 2023 Options to purchase shares 2,231,475 1,995,275 2,231,475 1,995,275 Restricted and performance stock units 30,000 107,669 30,000 57,669

Investment Securities

Investment Securities	9 Months Ended
	Jun. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	INVESTMENT SECURITIES Investments available for sale are summarized in the tables below. June 30, 2024 Amortized Gross Fair Gains Losses REMICs $ 487,914 $ 120 $ (41,372) $ 446,662 Fannie Mae certificates 2,855 46 (6) 2,895 Freddie Mac certificates 1,139 — (54) 1,085 U.S. government and agency obligations 72,640 — (315) 72,325 Total $ 564,548 $ 166 $ (41,747) $ 522,967 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 At June 30, 2024 and September 30, 2023, investment securities included $68,581 and $59,813, respectively, of U.S. government obligations pledged as collateral on our open swap positions to meet margin requirements established by the clearing organization. Accrued interest on investment securities is $1,813 and $1,907 at June 30, 2024 and September 30, 2023, respectively, and is reported in accrued interest receivable on the CONSOLIDATED STATEMENTS OF CONDITION . The following is a summary of our securities portfolio by the period remaining until contractual maturity and yield at June 30, 2024. 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-exempt securities at June 30, 2024 or September 30, 2023. June 30, 2024 September 30, 2023 Amortized Cost Fair Value Weighted Average Yield Amortized Cost Fair Value Weighted Average Yield Due in one year or less $ 68,780 $ 68,752 5.26 % $ 59,948 $ 59,936 5.13 % Due after one to five years 8,948 8,566 1.94 10,529 9,929 2.00 Due after five to ten years 29,614 28,443 3.16 31,372 29,381 2.42 Ten years or greater 457,206 417,206 3.11 459,866 409,078 2.82 Total $ 564,548 $ 522,967 3.36 % $ 561,715 $ 508,324 3.03 % Gross unrealized losses on available for sale securities and the estimated fair value of the related securities, aggregated by the length of time the securities have been in a continuous loss position, at June 30, 2024 and September 30, 2023, were as follows: June 30, 2024 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 59,683 $ 390 $ 358,476 $ 40,982 $ 418,159 $ 41,372 Fannie Mae certificates — — 100 6 100 6 Freddie Mac certificates — — 1,085 54 1,085 54 U.S. government and agency obligations 68,581 27 3,743 288 72,324 315 Total $ 128,264 $ 417 $ 363,404 $ 41,330 $ 491,668 $ 41,747 September 30, 2023 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 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 The unrealized losses on investment securities were 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 supports an expectation of no credit 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 has established financing agreements to ensure Fannie Mae and Freddie Mac meet their obligations to holders of mortgage-backed securities that they have issued or guaranteed.

Loans And Allowance For Credit

Loans And Allowance For Credit Losses	9 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
Loans And Allowance For Loan Losses	LOANS AND ALLOWANCE FOR CREDIT LOSSES LOAN PORTFOLIOS Loans held for investment consist of the following: June 30, September 30, Real estate loans: Residential Core $ 11,545,509 $ 12,078,158 Residential Home Today 42,402 46,508 Home equity loans and lines of credit 3,588,820 3,030,526 Construction 27,030 48,406 Real estate loans 15,203,761 15,203,598 Other loans 5,070 4,411 Add (deduct): Deferred loan expenses, net 62,738 60,807 Loans in process (14,078) (25,754) Allowance for credit losses on loans (67,529) (77,315) Loans held for investment, net $ 15,189,962 $ 15,165,747 Loans held for investment are carried at amortized cost, which includes outstanding principal balance adjusted for any unamortized premiums or discounts, net of deferred fees and expenses and any applicable loans-in-process. Accrued interest is $56,795 and $51,989 as of June 30, 2024 and September 30, 2023, 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. At June 30, 2024 and September 30, 2023, the percentage of aggregate Residential Core, Home Today and Construction loans secured by properties in Ohio was 58% and 57%, respectively, and the percentage of loans secured by properties in Florida was 17% and 18%, respectively. As of June 30, 2024 and September 30, 2023, home equity loans and lines of credit were concentrated in Ohio (24% and 26%, respectively), Florida (23% and 22%, respectively), and California (17% as of both dates). 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 $4,497,753 and $4,760,843 at June 30, 2024 and September 30, 2023, 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 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 or purchased 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 three and nine months ended June 30, 2024 and June 30, 2023, 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 June 30, 2024 and September 30, 2023, mortgage loans held for sale totaled $30,391 and $3,260, respectively. During the three and nine months ended June 30, 2024, the principal balance of loans sold was $69,420 and $190,743 (including loans in contracts pending settlement) compared to $23,583 and $58,146 (including no contracts pending settlement) during the three and nine months ended June 30, 2023, respectively. During the three and nine months ended June 30, 2024, the amortized cost of loans originated as held for sale that were subsequently transferred to the held for investment portfolio were both $771, compared to $0 and $8,433 during the three and nine months ended June 30, 2023, respectively. DELINQUENCY and NON-ACCRUAL An aging analysis of the amortized cost in loan receivables that are past due at June 30, 2024 and September 30, 2023, 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. 30-59 60-89 90 Days or Total Past Current Total June 30, 2024 Real estate loans: Residential Core $ 4,091 $ 2,828 $ 9,518 $ 16,437 $ 11,552,199 $ 11,568,636 Residential Home Today 714 469 794 1,977 39,959 41,936 Home equity loans and lines of credit 4,736 981 4,442 10,159 3,618,740 3,628,899 Construction — — — — 12,950 12,950 Total real estate loans 9,541 4,278 14,754 28,573 15,223,848 15,252,421 Other loans — — — — 5,070 5,070 Total $ 9,541 $ 4,278 $ 14,754 $ 28,573 $ 15,228,918 $ 15,257,491 30-59 60-89 90 Days or 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 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 modified that were in non-accrual status prior to modification and loans with forbearance plans that were subsequently modified, are reported in non-accrual status for a minimum of six months after modification. Loans modified 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 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 June 30, 2024 or September 30, 2023. June 30, 2024 September 30, 2023 Non-accrual with No ACL Total Non-accrual with No ACL Total Real estate loans: Residential Core $ 19,375 $ 22,658 $ 15,691 $ 19,414 Residential Home Today 3,698 3,910 4,511 4,623 Home equity loans and lines of credit 7,548 8,801 7,035 7,877 Total non-accrual loans $ 30,621 $ 35,369 $ 27,237 $ 31,914 At June 30, 2024 and September 30, 2023, respectively, the amortized cost in non-accrual loans includes $20,635 and $18,915 which are performing according to the terms of their agreement, of which $11,434 and $11,508 are loans in Chapter 7 bankruptcy status, primarily where all borrowers have filed, and have not reaffirmed or been dismissed. At June 30, 2024 and September 30, 2023, real estate loans include $9,543 and $9,144, respectively, of loans that were in the process of foreclosure. Interest on loans in accrual status is recognized in interest income as it accrues, on a daily basis. Accrued interest on loans in non-accrual status is reversed by a charge to interest income and income is subsequently recognized only to the extent cash payments are received. The Company has elected not to measure an allowance for credit losses on accrued interest receivable amounts since amounts are written off timely. Cash payments on loans in non-accrual status are applied to the oldest scheduled, unpaid payment first. The amount of interest income recognized on non-accrual loans was $183 and $507 for the three and nine months ended June 30, 2024, and $145 and $503 for the three and nine months ended June 30, 2023, 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 modification 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 modification 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 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 reasonable 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. The Company adopted ASU 2022-02 on October 1, 2023, which eliminated the accounting for TDRs. As such, at June 30, 2024, there was no allowance for individually reviewed TDRs (IVAs), based on the present value of cash flows, as compared to September 30, 2023, when there was $9,546. Effective with this adoption, losses on loans with modifications to borrowers experiencing financial difficulties, previously identified as TDRs, will be estimated as described above, in the same manner as loans that have not been subject to such modifications. 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. 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 June 30, 2024, was a reduction to the allowance for credit losses of $6,753, compared to a reduction of $13,425 at September 30, 2023. At June 30, 2024, a portion of the allowance for credit losses that had been measured qualitatively at September 30, 2023 was included in the model-driven quantitative estimate due to enhancements in data quality. Qualitative adjustments are evaluated quarterly, at a minimum, based on current facts and circumstances. Partial or full charge-offs are recognized for the amount of credit losses on loans 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 modified residential loans, payments are greater than 90 days delinquent; • For all classes of loan modifications 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. Charge-offs on residential mortgage loans, home equity loans and lines of credit, and construction loans are also 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. 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, or a pending legal action, such as bankruptcy or foreclosure. 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. Activity in the allowance for credit losses by portfolio segment is summarized as follows. See Note 11. LOAN COMMITMENTS AND CONTINGENT LIABILITIES for further details on the allowance for unfunded commitments. For the Three Months Ended June 30, 2024 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 47,714 $ (2,924) $ (29) $ 453 $ 45,214 Residential Home Today (2,624) (1,076) (73) 669 (3,104) Home equity loans and lines of credit 22,998 2,045 (161) 487 25,369 Construction 81 (51) — 20 50 Total real estate loans $ 68,169 $ (2,006) $ (263) $ 1,629 $ 67,529 Total Unfunded Loan Commitments (1) $ 26,657 $ 1,506 $ — $ — $ 28,163 Total Allowance for Credit Losses $ 94,826 $ (500) $ (263) $ 1,629 $ 95,692 (1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit. For the Three Months Ended June 30, 2023 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 53,772 $ 587 $ (35) $ 227 $ 54,551 Residential Home Today (1,212) (283) (34) 434 (1,095) Home equity loans and lines of credit 21,232 (1,272) (22) 1,194 21,132 Construction 346 (131) — — 215 Total real estate loans $ 74,138 $ (1,099) $ (91) $ 1,855 $ 74,803 Total Unfunded Loan Commitments (1) $ 26,653 $ 1,099 $ — $ — $ 27,752 Total Allowance for Credit Losses $ 100,791 $ — $ (91) $ 1,855 $ 102,555 (1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit. For the Nine Months Ended June 30, 2024 Beginning Adoption of ASU 2022-02 Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 55,375 $ (5,896) $ (5,076) $ (216) $ 1,027 $ 45,214 Residential Home Today (1,236) (1,896) (1,517) (103) 1,648 (3,104) Home equity loans and lines of credit 23,047 (2,470) 3,544 (695) 1,943 25,369 Construction 129 — (99) — 20 50 Total real estate loans $ 77,315 $ (10,262) $ (3,148) $ (1,014) $ 4,638 $ 67,529 Total Unfunded Loan Commitments (1) $ 27,515 $ — $ 648 $ — $ — $ 28,163 Total Allowance for Credit Losses $ 104,830 $ (10,262) $ (2,500) $ (1,014) $ 4,638 $ 95,692 (1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit. For the Nine Months Ended June 30, 2023 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 53,506 $ 455 $ (241) $ 831 $ 54,551 Residential Home Today (997) (1,527) (278) 1,707 (1,095) Home equity loans and lines of credit 20,032 (1,520) (580) 3,200 21,132 Construction 354 (139) — — 215 Total real estate loans $ 72,895 $ (2,731) $ (1,099) $ 5,738 $ 74,803 Total Unfunded Loan Commitments (1) $ 27,021 $ 731 $ — $ — $ 27,752 Total Allowance for Credit Losses $ 99,916 $ (2,000) $ (1,099) $ 5,738 $ 102,555 (1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit. CLASSIFIED LOANS The following tables provide the amortized cost and 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 tables. No Home Today loans are classified Special Mention and all construction loans are classified Pass for both periods presented. Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term By fiscal year of origination 2024 2023 2022 2021 2020 Prior Total June 30, 2024 Real estate loans: Residential Core Pass $ 405,267 $ 1,519,804 $ 3,009,373 $ 1,901,677 $ 1,245,730 $ 3,458,502 $ — $ — $ 11,540,353 Special Mention — — — — — 960 — — 960 Substandard 182 1,540 2,909 1,009 2,210 19,473 — — 27,323 Total Residential Core 405,449 1,521,344 3,012,282 1,902,686 1,247,940 3,478,935 — — 11,568,636 Residential Home Today (1) Pass — — — — — 37,234 — — 37,234 Substandard — — — — — 4,702 — — 4,702 Total Residential Home Today — — — — — 41,936 — — 41,936 Home equity loans and lines of credit Pass 203,998 174,260 61,206 19,783 5,598 16,101 3,077,039 54,895 3,612,880 Special Mention 115 175 129 — — — 3,919 437 4,775 Substandard — 198 212 143 45 145 5,844 4,657 11,244 Total Home equity loans and lines of credit 204,113 174,633 61,547 19,926 5,643 16,246 3,086,802 59,989 3,628,899 Total Construction 5,694 7,256 — — — — — — 12,950 Total real estate loans Pass 614,959 1,701,320 3,070,579 1,921,460 1,251,328 3,511,837 3,077,039 54,895 15,203,417 Special Mention 115 175 129 — — 960 3,919 437 5,735 Substandard 182 1,738 3,121 1,152 2,255 24,320 5,844 4,657 43,269 Total real estate loans $ 615,256 $ 1,703,233 $ 3,073,829 $ 1,922,612 $ 1,253,583 $ 3,537,117 $ 3,086,802 $ 59,989 $ 15,252,421 (1) No new originations of Home Today loans since fiscal year 2016. Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term By fiscal year of origination 2023 2022 2021 2020 2019 Prior 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 year 2016. The following table presents gross charge-offs of residential loan receivables recorded during the fiscal year-to-date period presented. There were no gross charge-offs in the construction loan portfolio for the period presented. For the Nine Months Ended June 30, 2024 Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term By fiscal year of origination 2024 2023 2022 2021 2020 Prior Total Real estate loans: Residential Core $ 11 $ — $ 10 $ — $ — $ 195 $ — $ — $ 216 Residential Home Today — — — — — 103 — — 103 Home equity loans and lines of credit — — 16 18 — — 369 292 695 Total real estate loans $ 11 $ — $ 26 $ 18 $ — $ 298 $ 369 $ 292 $ 1,014 The home equity lines of credit converted from revolving to term loans during the three and nine months ended June 30, 2024, totaled $4,392 and $6,558 and during the three and nine months ended June 30, 2023, totaled $802 and $1,697, respectively. The amount of conversions to term loans is expected to remain relatively low for several years since the length of the draw period on new originations changed from five to ten years in 2016. Residential loans are internally assigned a grade that complies with the guidelines outlined in the OCC’s Handbook for Rating Credit Risk. Pass loans are assets well protected by the current paying capacity of the borrower. Special Mention loans have a potential weakness, as evaluated based on delinquency status or nature of the product, that the Company deems to deserve management’s attention and may result in further deterioration in their repayment prospects and/or the Company’s credit position. 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. Other loans are internally assigned a grade of non-performing when they become 90 days or more past due. At June 30, 2024 and September 30, 2023, no other loans were graded as non-performing. MODIFICATIONS TO BORROWERS EXPERIENCING FINANCIAL DIFFICULTY On October 1, 2023, the Company adopted ASU 2022-02, which eliminates the accounting guidance for TDRs and enhances the disclosure requirements for certain loan modifications when a borrower is experiencing financial difficulty. For additional information on the adoption, refer to Note 14. RECENT ACCOUNTING PRONOUNCEMENTS . To mitigate losses, the Company works with borrowers who are experiencing financial difficulty to identify solutions the borrowers can afford by entering into agreements to modify their loans. These efforts often result in modifications to the payment terms of the loan, which vary by situation and may include interest rate reductions, term extensions (generally including capitalization of delinquent amounts), significant payment delays, other, or a combination thereof. The Company does not generally offer principal forgiveness as a type of modification. The Other category includes loans that were modified multiple times during the period with different concessions. If a 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 modification is considered. If a borrower lacks the capacity to repay the loan at the current terms due to a permanent condition, a permanent modification is considered. Loans may be modified more than once. Among other requirements, a subsequent modification may be available for a borrower upon the expiration of temporary modified terms if the borrower is unable to resume contractually scheduled loan payments. In evaluating the need for a subsequent modification, the borrower’s ability to repay is generally assessed utilizing a debt-to-income and cash flow analysis. The following tables present the amortized cost of modifications by type during the periods presented. For the three and nine months ended June 30, 2024, there were no modifications made on construction loans. For the Three Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total % of Total Class Residential Core $ — $ 182 $ 590 $ 16 $ — $ 788 0.01 % Residential Home Today — 56 69 37 — 162 0.39 Home equity loans and lines of credit — — 471 98 — 569 0.02 Total $ — $ 238 $ 1,130 $ 151 $ — $ 1,519 0.01 % For the Nine Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total % of Total Class Residential Core $ — $ 529 $ 2,704 $ 843 $ 475 $ 4,551 0.04 % Residential Home Today — 104 221 225 — 550 1.31 Home equity loans and lines of credit — — 985 234 25 1,244 0.03 Total $ — $ 633 $ 3,910 $ 1,302 $ 500 $ 6,345 0.04 % The following tables present the financial effects of the loan modifications presented above to borrowers experiencing financial difficulty for the three and nine months ended June 30, 2024. For the Three Months Ended June 30, 2024 Interest Rate Reduction Term Extension Weighted-Average Contractual Interest Rate Weighted-Average Years Added to Life From To Residential Core 3.39% 2.00% 1.6 Residential Home Today 5.63% 2.00% 10.4 Home equity loans and lines of credit 7.99% 3.50% 7.3 For the Nine Months Ended June 30, 2024 Interest Rate Reduction Term Extension Weighted-Average Contractual Interest Rate Weighted-Average Years Added to Life From To Residential Core 3.97% 2.07% 10.2 Residential Home Today 3.91% 2.00% 14.9 Home equity loans and lines of credit 6.46% 3.18% 10.6 The performance of loans modified for borrowers experiencing financial difficulty is closely monitored by the Company to understand the effectiveness of modification efforts. Modifications made to borrowers experiencing financial difficulty that subsequently become 90 days or more past due under the modified terms are considered subsequently defaulted. The table below summarizes information about modifications that were modified on or after October 1, 2023 and subsequently defaulted during the three and nine months ended June 30, 2024. For the Three Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total Residential Core $ — $ — $ 22 $ 14 $ — $ 36 Residential Home Today — — 16 — — 16 Home equity loans and lines of credit — — 101 — — 101 Total $ — $ — $ 139 $ 14 $ — $ 153 For the Nine Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total Residential Core $ — $ — $ 22 $ 14 $ — $ 36 Residential Home Today — — 16 — — 16 Home equity loans and lines of credit — — 195 — — 195 Total $ — $ — $ 233 $ 14 $ — $ 247 The following table presents performance by loan type on loans modified during the nine months ended June 30, 2024, for borrowers experiencing financial difficulty. The loans in delinquency status primarily consisted of loans with significant payment delays prior to modification, which continue to be reported delinquent based on their original contractual terms. June 30, 2024 30-59 60-89 90 Days or Total Past Current Total Residential Core $ 76 $ 745 $ 944 $ 1,765 $ 2,786 $ 4,551 Residential Home Today 57 10 210 277 273 550 Home equity loans and lines of credit 282 — 848 1,130 114 1,244 Total $ 415 $ 755 $ 2,00

Deposits

Deposits	9 Months Ended
	Jun. 30, 2024
Deposits [Abstract]
Deposits	DEPOSITS Deposit account balances are summarized as follows: June 30, September 30, Checking accounts $ 865,440 $ 983,396 Savings accounts, excluding money market accounts 1,186,606 1,460,601 Money market accounts 208,407 346,479 Certificates of deposit 7,743,775 6,648,982 10,004,228 9,439,458 Accrued interest 21,749 10,362 Total deposits $ 10,025,977 $ 9,449,820 The aggregate amount of CDs in denominations of more than $250 was $1,187,325 and $845,375 at June 30, 2024 and September 30, 2023, respectively. In accordance with the DFA, the maximum amount of federal deposit insurance is $250 per depositor for each account ownership category. Brokered CDs (exclusive of acquisition costs and subsequent amortization), which are used as a cost effective funding alternative, totaled $1,215,284 and $1,162,601 at June 30, 2024 and September 30, 2023, respectively, of which $725,000 and $665,000 were aligned with interest rate swaps discussed in Note 13. DERIVATIVE INSTRUMENTS . 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 June 30, 2024 and September 30, 2023, the Association may accept brokered deposits without FDIC restrictions.

Borrowed Funds

Borrowed Funds	9 Months Ended
	Jun. 30, 2024
Debt Disclosure [Abstract]
Borrowed Funds	BORROWED FUNDS At June 30, 2024, the Association had a maximum borrowing capacity of $8,575,012, of which $4,829,365 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. Additionally, 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 June 30, 2024 are summarized in the table below: Borrowing Capacity Borrowings Available Borrowings Outstanding FHLB $ 7,484,050 $ 2,676,956 $ 4,807,094 FRB Cleveland 645,962 645,962 — Fed Funds Purchased 445,000 445,000 — Subtotal $ 8,575,012 $ 3,767,918 4,807,094 Accrued Interest 22,271 Total Borrowings $ 4,829,365 Maturities of borrowings at June 30, 2024 are summarized in the table below: Amount Weighted Average Rate Maturing in: 12 months or less $ 975,000 2.43 % 13 to 24 months 975,373 2.97 25 to 36 months 850,000 3.03 37 to 48 months 751,752 3.76 49 to 60 months 476,213 3.54 Over 60 months 778,756 3.37 Total Advances 4,807,094 3.12 Accrued interest 22,271 Total $ 4,829,365 All borrowings have fixed rates during their term ranging up to 240 months. The table above reflects the effective maturities and fixed interest rates of the $3,000,000 of short-term FHLB advances that are tied to interest rate swaps discussed in Note 13. DERIVATIVE INSTRUMENTS. Interest is payable monthly for long-term FHLB advances and generally at maturity for FHLB advances with terms of three months or less.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	9 Months Ended
	Jun. 30, 2024
Equity [Abstract]
Other Comprehensive Income (Loss)	OTHER COMPREHENSIVE INCOME (LOSS) The change in accumulated other comprehensive income (loss), net of tax and the related tax expense (benefit) by component is as follows: For the Three Months Ended For the Three Months Ended June 30, 2024 June 30, 2023 Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Balance at beginning of period $ (32,107) $ 83,044 $ (8,519) $ 42,418 $ (31,687) $ 47,831 $ (11,443) $ 4,701 Other comprehensive income (loss) before reclassifications 42 16,525 — 16,567 (6,127) 65,980 — 59,853 Amounts reclassified — (16,476) 105 (16,371) — (13,765) 196 (13,569) Other comprehensive income (loss), net of tax 42 49 105 196 (6,127) 52,215 196 46,284 Balance at end of period $ (32,065) $ 83,093 $ (8,414) $ 42,614 $ (37,814) $ 100,046 $ (11,247) $ 50,985 Tax expense (benefit) netted in other comprehensive income or loss $ 12 $ 14 $ 31 $ 57 $ (1,803) $ 15,368 $ 59 $ 13,624 For the Nine Months Ended For the Nine Months Ended June 30, 2024 June 30, 2023 Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Balance at beginning of period $ (41,173) $ 135,532 $ (9,147) $ 85,212 $ (33,899) $ 68,883 $ (11,835) $ 23,149 Other comprehensive income (loss) before reclassifications 9,108 (663) 418 8,863 (3,915) 59,763 — 55,848 Amounts reclassified — (51,776) 315 (51,461) — (28,600) 588 (28,012) Other comprehensive income (loss), net of tax 9,108 (52,439) 733 (42,598) (3,915) 31,163 588 27,836 Balance at end of period $ (32,065) $ 83,093 $ (8,414) $ 42,614 $ (37,814) $ 100,046 $ (11,247) $ 50,985 Tax expense (benefit) netted in other comprehensive income or loss $ 2,703 $ (15,572) $ 221 $ (12,648) $ (1,330) $ 9,535 $ 177 $ 8,382 The following table presents the reclassification adjustments out of accumulated other comprehensive income (loss) included in net income and the corresponding line item on the CONSOLIDATED STATEMENTS OF INCOME for the periods indicated: Amounts Reclassified from Accumulated Amounts Reclassified from Accumulated Details about Accumulated Other Comprehensive Income Components For the Three Months Ended June 30, For the Nine Months Ended June 30, Line Item in the Consolidated Statements of Income 2024 2023 2024 2023 Cash flow hedges: Interest (income) expense $ (21,369) $ (17,817) $ (67,152) $ (36,992) Interest expense Net income tax effect 4,893 4,052 15,376 8,392 Income tax expense Net of income tax expense (16,476) (13,765) (51,776) (28,600) Amortization of defined benefit plan: Actuarial loss 136 255 410 765 (a) Net income tax effect (31) (59) (95) (177) Income tax expense Net of income tax expense 105 196 315 588 Total reclassifications for the period $ (16,371) $ (13,569) $ (51,461) $ (28,012) (a) This item is included in the computation of net periodic pension cost. See Note 9. DEFINED BENEFIT PLAN for additional disclosure.

Income Taxes

Income Taxes	9 Months Ended
	Jun. 30, 2024
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and in various state and city jurisdictions. The Company’s combined federal and state effective income tax rate was 20.6% and 20.3% for the nine months ended June 30, 2024 and June 30, 2023, respectively. The Company is no longer subject to income tax examinations in its major jurisdictions for tax years ended prior to 2020. The Company recognizes interest and penalties on income tax assessments or income tax refunds, where applicable, in the consolidated financial statements as a component of its provision for income taxes. The Company makes certain investments in limited partnerships, which invest in affordable housing projects that qualify for the Low Income Housing Tax Credit. The Company acts as a limited partner in these investments and does not exert control over the operating or financial policies of the partnership. The Company accounts for its interests in LIHTCs using the proportional amortization method. The impact of the Company's investments in tax credit entities on the provision for income taxes was not material during the nine months ended June 30, 2024 and June 30, 2023.

Defined Benefit Plan

Defined Benefit Plan	9 Months Ended
	Jun. 30, 2024
Retirement Benefits [Abstract]
Defined Benefit Plan	DEFINED BENEFIT PLAN The Third Federal Savings Retirement Plan (the “Plan”) is a defined benefit pension plan. Effective December 31, 2002, the Plan was amended to limit participation to employees who met the Plan’s eligibility requirements on that date. Effective December 31, 2011, the Plan was amended to freeze future benefit accruals for participants in the Plan. After December 31, 2002, employees not participating in the Plan, upon meeting the applicable eligibility requirements, and those eligible participants who no longer receive service credits under the Plan, participate in a separate tier of the Company’s defined contribution 401(k) Savings Plan. Benefits under the Plan are based on years of service and the employee’s average annual compensation (as defined in the Plan) through December 31, 2011. The funding policy of the Plan is consistent with the funding requirements of U.S. federal and other governmental laws and regulations. The components of net periodic cost recognized in other non-interest expense in the CONSOLIDATED STATEMENTS OF INCOME are as follows: For the Three Months Ended For the Nine Months Ended June 30, June 30, 2024 2023 2024 2023 Interest cost $ 827 $ 831 $ 2,480 $ 2,493 Expected return on plan assets (995) (968) (2,986) (2,904) Amortization of net loss 136 255 410 765 Net periodic (benefit) cost $ (32) $ 118 $ (96) $ 354

Equity Incentive Plan

Equity Incentive Plan	9 Months Ended
	Jun. 30, 2024
Share-Based Payment Arrangement [Abstract]
Equity Incentive Plan	EQUITY INCENTIVE PLAN During the quarter ended March 31, 2024, 231,750 restricted stock units, 61,000 performance share units, and 247,200 stock options were granted to directors, officers and certain managers of the Company. During the nine months ended June 30, 2024, performance share units granted in December 2021 were reduced by 2,655 units, according to the targeted performance formula. The awards were made pursuant to the Amended and Restated 2008 Equity Incentive Plan, which was approved at the annual meeting of shareholders held on February 22, 2018. The following table presents share-based compensation expense recognized during the periods presented: For the Three Months Ended For the Nine Months Ended June 30, June 30, 2024 2023 2024 2023 Stock option expense $ 31 $ — $ 54 $ — Restricted stock units expense 584 802 2,216 2,550 Performance share units expense 225 263 656 734 Total stock-based compensation expense $ 840 $ 1,065 $ 2,926 $ 3,284 At June 30, 2024, 2,231,475 shares were subject to options, with a weighted average exercise price of $15.39 per share and a weighted average grant date fair value of $2.29 per share. Expected future expense, relating to the 247,200 non-vested options outstanding as of June 30, 2024, is $248 over a weighted average period of 2.3 years. At June 30, 2024, 373,945 restricted stock units and 213,445 performance share units with a weighted average grant date fair value of $13.78 and $14.45 per unit, respectively, are unvested. Expected future compensation expense, relating to the 1,139,693 restricted stock units and 213,445 performance share units outstanding as of June 30, 2024, is $3,395 over a weighted average period of 2.2 years and $1,230 over a weighted average period of 1.8 years, respectively. Each unit is equivalent to one share of common stock.

Commitments And Contingent Liab

Commitments And Contingent Liabilities	9 Months Ended
	Jun. 30, 2024
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 10 years following the date that the line of credit was established, subject to various conditions, including compliance with payment obligations, adequacy of collateral securing the line and maintenance of a satisfactory credit profile by the borrower. Since some of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Off-balance sheet commitments to extend credit involve elements of credit risk and interest rate risk in excess of the amount recognized in assets on the CONSOLIDATED STATEMENTS OF CONDITION . The Company’s exposure to credit loss in the event of nonperformance by the other party to the commitment is represented by the contractual amount of the commitment. The Company generally uses the same credit policies in making commitments as it does for on-balance sheet instruments. The allowance related to off-balance sheet commitments is recorded in other liabilities in the CONSOLIDATED STATEMENTS OF CONDITION. Refer to Note 4. LOANS AND ALLOWANCES FOR CREDIT LOSSES for discussion on credit loss methodology . Interest rate risk on commitments to extend credit results from the possibility that interest rates may move unfavorably from the position of the Company since the time the commitment was made. At June 30, 2024, the Company had commitments to originate or purchase loans and related allowances as follows: Commitment Allowance Fixed-rate mortgage loans $ 101,997 $ 491 Adjustable-rate mortgage loans 15,880 81 Home equity loans and lines of credit 230,890 3,101 Total $ 348,767 $ 3,673 At June 30, 2024, the Company had unfunded commitments outstanding and related allowances as follows: Commitment Allowance Home equity lines of credit $ 5,105,164 $ 24,413 Construction loans 14,078 77 Total $ 5,119,242 $ 24,490 At June 30, 2024, the unfunded commitment on home equity lines of credit, including commitments for accounts suspended as a result of material default or a decline in equity, was $5,138,353. At June 30, 2024 and September 30, 2023, the Company had $47,238 and $2,094, respectively, in commitments to sell mortgage loans. At June 30, 2024 and September 30, 2023, the Company had $36,606 and $51,275, 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 the states of Ohio, Kentucky and Florida. Any potential loss, or range of loss, that may result from this matter is not reasonably estimable at June 30, 2024. 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	9 Months Ended
	Jun. 30, 2024
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 June 30, 2024 and September 30, 2023, there were $19,308 and $0 loans held for sale, respectively, with unpaid principal balances of $19,038 and $0, in pending agency contracts for which the fair value was elected. Changes in fair value on loans held for sale subject to pending agency contracts are included in the net gain on sale of loans, which included a net gain of $94 and $162 for the three and nine months ended June 30, 2024, and a net gain of $0 for both the three and nine months ended June 30, 2023. 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 June 30, 2024 and September 30, 2023, this includes $522,967 and $508,324, 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 independent third-party 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 June 30, 2024 and September 30, 2023, there were $30,391 and $3,260, respectively, of loans held for sale measured at fair value. At June 30, 2024 and September 30, 2023, there were $0 of loans held for sale carried at cost. Interest income on mortgage loans held for sale is recorded in interest income on loans. Collateral-Dependent Loans — Collateral-dependent loans represent certain loans held for investment that are subject to a fair value measurement under U.S. GAAP because they are individually evaluated using a fair value measurement, such as the fair value of the underlying collateral. Credit loss is measured using a market approach based on the fair value of the collateral, less estimated costs to dispose, for loans the Company considers to be collateral-dependent due to a delinquency status or other adverse condition severe enough to indicate that the borrower can no longer be relied upon as the continued source of repayment. These conditions are described more fully in Note 4. LOANS AND ALLOWANCES FOR CREDIT LOSSES . To calculate the credit loss of collateral-dependent loans, the fair market values of the collateral, estimated using third-party appraisals in the majority of instances, are reduced by calculated estimated costs to dispose, derived from historical experience and recent market conditions. Any indicated credit loss is recognized by a charge to the allowance for credit losses. Subsequent increases in collateral values or principal pay downs on loans with recognized credit loss could result in a collateral-dependent loan being carried below its fair value. When no credit loss is indicated, the carrying amount is considered to approximate the fair value of that loan to the Company because contractually that is the maximum recovery the Company can expect. The amortized cost of loans individually evaluated for credit loss based on the fair value of the collateral are included in Level 3 of the hierarchy with assets measured at fair value on a non-recurring basis. The range and weighted average impact of estimated costs to dispose on fair values is determined at the time of credit loss or when additional credit loss is recognized and is included in quantitative information about significant unobservable inputs later in this note. 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 June 30, 2024 and September 30, 2023, were $431 and $1,444, 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 June 30, 2024 and September 30, 2023, these adjustments were not significant to reported fair values. At June 30, 2024 and September 30, 2023, $513 and $1,413, respectively, 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 $82 and $163, respectively. Real estate owned includes $0 and $194 of properties carried at their original or adjusted cost basis at June 30, 2024 and September 30, 2023, respectively. Derivatives— Derivative instruments include interest rate lock commitments on loans being originated or purchased for the held for sale portfolio, forward commitments on contracts to deliver mortgage loans and interest rate swaps designated as cash flow hedges. Derivatives not designated as cash flow hedges are reported at fair value in Other assets or Other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION with changes in value recorded in current earnings. Derivatives qualifying as cash flow hedges are settled daily, bringing the fair value to $0. Refer to Note 13. DERIVATIVE INSTRUMENTS for additional information on cash flow hedges and other derivative instruments. Interest rate lock commitments are commitments to lend at interest rates and amounts defined prior to funding. 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 June 30, 2024 and September 30, 2023, are summarized below. Recurring Fair Value Measurements at Reporting Date Using June 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 446,662 $ — $ 446,662 $ — Fannie Mae certificates 2,895 — 2,895 — Freddie Mac securities 1,085 — 1,085 — U.S. government and agency obligations 72,325 — 72,325 — Mortgage loans held for sale 19,308 — 19,308 — Derivatives: Interest rate lock commitments 512 — — 512 Total $ 542,787 $ — $ 542,275 $ 512 Liabilities Derivatives: Forward commitments for the sale of mortgage loans $ 8 $ — $ 8 $ — Total $ 8 $ — $ 8 $ — Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 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 The table below presents a reconciliation of the beginning and ending balances and the location within the CONSOLIDATED STATEMENTS OF INCOME where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3). Three Months Ended June 30, Nine Months Ended June 30, 2024 2023 2024 2023 Beginning balance $ 358 $ (23) $ (1) $ (333) Gain during the period due to changes in fair value: Included in other non-interest income 154 (24) 513 286 Ending balance $ 512 $ (47) $ 512 $ (47) Change in unrealized gains for the period included in earnings for assets held at end of the reporting date $ 512 $ (47) $ 512 $ (47) Summarized in the tables below are those assets measured at fair value on a nonrecurring basis. Nonrecurring Fair Value Measurements at Reporting Date Using June 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Collateral-dependent loans, net of allowance $ 38,523 $ — $ — $ 38,523 Mortgage loans held for sale 11,083 — 11,083 — Real estate owned (1) 513 — — 513 Total $ 50,119 $ — $ 11,083 $ 39,036 Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Collateral-dependent loans, net of allowance $ 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. The following provides quantitative information about significant unobservable inputs categorized within Level 3 of the Fair Value Hierarchy. Fair Value June 30, 2024 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $38,523 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 28% 4.4% Interest rate lock commitments $512 Quoted Secondary Market pricing Closure rate 0 - 100% 97.0% 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% 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 . June 30, 2024 Carrying Fair Level 1 Level 2 Level 3 Amount Value Assets: Cash and due from banks $ 29,411 $ 29,411 $ 29,411 $ — $ — Interest-earning cash equivalents 531,024 531,024 531,024 — — Investment securities available for sale 522,967 522,967 — 522,967 — Mortgage loans held for sale 30,391 30,391 — 30,391 — Loans, net: Mortgage loans held for investment 15,184,892 13,645,473 — — 13,645,473 Other loans 5,070 5,070 — — 5,070 Federal Home Loan Bank stock 232,083 232,083 N/A — — Accrued interest receivable 58,615 58,615 — 58,615 — Cash collateral received from or held by counterparty 1,727 1,727 1,727 — — Derivatives 512 512 — — 512 Liabilities: Checking and passbook accounts $ 2,260,453 $ 2,260,453 $ — $ 2,260,453 $ — Certificates of deposit 7,765,524 7,664,405 — 7,664,405 — Borrowed funds 4,829,365 4,818,935 — 4,818,935 — Borrowers’ advances for insurance and taxes 66,757 66,757 — 66,757 — Principal, interest and escrow owed on loans serviced 16,867 16,867 — 16,867 — Derivatives 8 8 — 8 — September 30, 2023 Carrying Fair Level 1 Level 2 Level 3 Amount Value 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 insurance and taxes 124,417 124,417 — 124,417 — Principal, interest and escrow owed on loans serviced 29,811 29,811 — 29,811 — Derivatives 1 1 — — 1

Derivative Instruments

Derivative Instruments	9 Months Ended
	Jun. 30, 2024
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 deposits 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 are recorded in OCI and are subsequently reclassified into earnings during the period in which the hedged forecasted transaction affects earnings. Quarterly, a quantitative analysis is performed to monitor the ongoing effectiveness of the hedging instrument. All derivative positions were initially, and continue to be, highly effective at June 30, 2024. 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 or purchase a portion of its loans, which when funded, are classified as held for sale. Such commitments are not designated in a hedging relationship; therefore, gains and losses are recognized immediately in the CONSOLIDATED STATEMENTS OF INCOME. The following tables provide the locations within the CONSOLIDATED STATEMENTS OF CONDITION for fair values of derivative instruments at the reporting dates and their related notional values. June 30, 2024 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets $ 3,640,000 $ — 3.4 3.00 % Other Liabilities 85,000 — 2.6 4.66 Total cash flow hedges: Interest rate swaps $ 3,725,000 $ — 3.4 3.04 % September 30, 2023 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Cash flow hedges: Interest rate swaps Other Assets $ 3,815,000 $ — 3.7 2.91 % Total cash flow hedges: Interest rate swaps $ 3,815,000 $ — 3.7 2.91 % June 30, 2024 September 30, 2023 Notional Value Fair Value Notional Value Fair Value Derivatives not designated as hedging instruments Interest rate lock commitments Other Assets $ 28,010 $ 512 $ — $ — Other Liabilities — — 1,830 (1) Forward Commitments for the sale of mortgage loans Other Assets — — 2,094 11 Other Liabilities 47,238 (8) — — Total derivatives not designated as hedging instruments $ 75,248 $ 504 $ 3,924 $ 10 The following tables present the net gains and losses recorded within the CONSOLIDATED STATEMENTS OF INCOME and the CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME relating to derivative instruments. Three Months Ended Nine Months Ended Location of Gain or (Loss) June 30, June 30, Recognized in Income 2024 2023 2024 2023 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 21,433 $ 85,399 $ (858) $ 77,689 Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds and Deposits 21,369 17,817 67,152 36,992 Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ 154 $ (24) $ 513 $ 286 Forward commitments for the sale of mortgage loans Net gain/(loss) on the sale of loans 132 84 (19) 8 The Company estimates that $65,251 of the amounts reported in AOCI will be reclassified as a reduction to interest expense during the twelve months ending June 30, 2025. Derivatives contain an element of credit risk which arises from the possibility that the Company will incur a loss because a counterparty fails to meet its contractual obligations. The Company's exposure is limited to the replacement value of the contracts rather than the notional or principal amounts. Credit risk is minimized through counterparty margin payments, transaction limits and monitoring procedures. All of the Company's swap transactions are cleared through a registered clearing broker to a central clearing organization. The clearing organization establishes daily cash and upfront cash or securities margin requirements to cover potential exposure in the event of default. This process shifts the risk away from the counterparty, since the clearing organization acts as an intermediary on each cleared transaction. At June 30, 2024 and September 30, 2023, there was $1,727 and $24,887, respectively, of cash collateral included in other assets, and $68,581 and $59,813, respectively, included in investment securities related to initial margin requirements that are held by the central clearing organization. For derivative transactions cleared through certain clearing parties, variation margin payments are recognized as settlements on a daily basis. The fair value of derivative instruments are presented on a gross basis, even when the derivative instruments are subject to master netting arrangements.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Pay vs Performance Disclosure
Net income	$ 19,953	$ 17,603	$ 61,373	$ 55,704

Insider Trading Arrangements

Insider Trading Arrangements	9 Months Ended
	Jun. 30, 2024
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	no trading plans, whether intended to satisfy the affirmative defense of Rule 10b5-1 or not, were terminated or adopted by a director or officer of the Company.

Basis Of Presentation Basis Of

Basis Of Presentation Basis Of Presentation (Policies)	9 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Business, Policy	TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering and, to a much lesser extent, other financial services. As of June 30, 2024, approximately 80.9% of the Company’s outstanding shares were owned by the federally chartered mutual holding company, Third Federal Savings and Loan Association of Cleveland, MHC. The thrift subsidiary of TFS Financial Corporation is Third Federal Savings and Loan Association of Cleveland.
Basis of Accounting, Policy	The accounting and financial reporting policies followed by the Company conform in all material respects to U.S. GAAP and to general practices in the financial services industry. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for credit losses, the valuation of deferred tax assets, and the determination of pension obligations are particularly subject to change. The unaudited interim consolidated financial statements reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial condition of the Company at June 30, 2024, and its consolidated results of operations and cash flows for the periods presented. Such adjustments are the only adjustments reflected in the unaudited interim financial statements. In accordance with SEC Regulation S-X for interim financial information, these financial statements do not include certain information and footnote disclosures required for complete audited financial statements. The Company’s Annual Report on Form 10-K for the fiscal year ended September 30, 2023, contains audited consolidated financial statements and related notes, which should be read in conjunction with the accompanying interim consolidated financial statements. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for the fiscal year ending September 30, 2024, or for any other period. Effective October 1, 2023, the Company adopted ASU 2022-02, Financial Instruments - Credit Losses (Topic 326 ), eliminating the accounting guidance for TDR by creditors in Subtopic 310-40. Refer to Note 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES and Note 14. RECENT ACCOUNTING PRONOUNCEMENTS for additional details related to the adoption. Per ASC 606, Revenue from Contracts with Customers
Loans and Allowance for Credit Losses, Nonaccrual Loan Status, Policy	When a loan is more than one month past due on its scheduled payments, the loan is considered 30 days or more past due, regardless of the number of days in each month. Loans are placed in non-accrual status when they are contractually 90 days or more past due. The number of days past due is determined by the number of scheduled payments that remain unpaid, assuming a period of 30 days between each scheduled payment. Loans with a partial charge-off are placed in non-accrual and will remain in non-accrual status until, at a minimum, the loss is recovered. Loans modified that were in non-accrual status prior to modification and loans with forbearance plans that were subsequently modified, are reported in non-accrual status for a minimum of six months after modification. Loans modified 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. Partial or full charge-offs are recognized for the amount of credit losses on loans 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 modified residential loans, payments are greater than 90 days delinquent; • For all classes of loan modifications 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. Charge-offs on residential mortgage loans, home equity loans and lines of credit, and construction loans are also 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. 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, or a pending legal action, such as bankruptcy or foreclosure. Collateral-dependent residential mortgage loans and construction loans are charged-off to the extent the amortized cost in the loan, net of anticipated mortgage insurance claims, exceeds the fair value, less estimated costs to dispose of the underlying property. Management can determine if the loan is uncollectible for reasons such as foreclosures exceeding a reasonable time frame and recommend a full charge-off. Home equity loans or lines of credit are charged-off to the extent the amortized cost in the loan plus the balance of any senior liens exceeds the fair value, less estimated costs to dispose of the underlying property, or management determines the collateral is not sufficient to satisfy the loan. A loan in any portfolio identified as collateral-dependent will continue to be reported as such until it is no longer considered collateral-dependent, is less than 30 days past due and does not have a prior charge-off. A loan in any portfolio that has a partial charge-off will continue to be individually evaluated for credit loss until, at a minimum, the loss has been recovered.
Loans and Allowance for Credit Losses, Impaired Loan, Policy	For all classes of loans, a loan is considered collateral-dependent when, based on current information and events, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale of the collateral or foreclosure is probable. Factors considered in determining that a loan is collateral-dependent may include the deteriorating financial condition of the borrower indicated by missed or delinquent payments, or a pending legal action, such as bankruptcy or foreclosure.
Loans and Allowance for Credit Losses, Modified Loans, Policy	If a 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 modification is considered. If a borrower lacks the capacity to repay the loan at the current terms due to a permanent condition, a permanent modification is considered. Loans may be modified more than once. Among other requirements, a subsequent modification may be available for a borrower upon the expiration of temporary modified terms if the borrower is unable to resume contractually scheduled loan payments. In evaluating the need for a subsequent modification, the borrower’s ability to repay is generally assessed utilizing a debt-to-income and cash flow analysis.
Loans and Allowance for Credit Losses, Policy or Methodology Change	The allowance for credit losses represents the estimate of lifetime losses in the loan portfolio and unfunded loan commitments. The allowance is estimated at each reporting date using relevant available information relating to past events, current conditions and reasonable 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. The Company adopted ASU 2022-02 on October 1, 2023, which eliminated the accounting for TDRs. As such, at June 30, 2024, there was no allowance for individually reviewed TDRs (IVAs), based on the present value of cash flows, as compared to September 30, 2023, when there was $9,546. Effective with this adoption, losses on loans with modifications to borrowers experiencing financial difficulties, previously identified as TDRs, will be estimated as described above, in the same manner as loans that have not been subject to such modifications. 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. 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 June 30, 2024, was a reduction to the allowance for credit losses of $6,753, compared to a reduction of $13,425 at September 30, 2023. At June 30, 2024, a portion of the allowance for credit losses that had been measured qualitatively at September 30, 2023 was included in the model-driven quantitative estimate due to enhancements in data quality. Qualitative adjustments are evaluated quarterly, at a minimum, based on current facts and circumstances.
Fair Value, Transfer, Policy	Under U.S. GAAP, fair value is defined as the price that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date under current market conditions. A fair value framework is established whereby assets and liabilities measured at fair value are grouped into three levels of a fair value hierarchy, based on the transparency of inputs and the reliability of assumptions used to estimate fair value.

Accounting Changes and Error Co

Accounting Changes and Error Corrections (Policies)	9 Months Ended
	Jun. 30, 2024
Accounting Changes and Error Corrections [Abstract]
Recent Accounting Pronouncements, Policy	RECENT ACCOUNTING PRONOUNCEMENTS Adopted during the nine months ended June 30, 2024 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 modifications by creditors when the borrower is experiencing financial difficulty. 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. This update is effective for fiscal years beginning after December 15, 2022, with early adoption permitted. The Company adopted this guidance as of October 1, 2023, and applied the modified retrospective transition method that evaluates loans previously identified as TDRs for credit loss under the Company’s current ACL policy. Upon adoption, we recognized an increase in 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. The enhanced disclosure requirements provided for by the ASU have been adopted on a prospective basis. The required disclosures are included in Note 4. LOANS AND ALLOWANCES FOR CREDIT LOSSES . Issued but not yet adopted as of June 30, 2024 There have been no accounting pronouncements issued since the filing of the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2024.

Organization, Consolidation and

Organization, Consolidation and Presentation of Financial Statements (Tables)	9 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Financing Receivable, Modified, Subsequent Default	The table below summarizes information about modifications that were modified on or after October 1, 2023 and subsequently defaulted during the three and nine months ended June 30, 2024. For the Three Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total Residential Core $ — $ — $ 22 $ 14 $ — $ 36 Residential Home Today — — 16 — — 16 Home equity loans and lines of credit — — 101 — — 101 Total $ — $ — $ 139 $ 14 $ — $ 153 For the Nine Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total Residential Core $ — $ — $ 22 $ 14 $ — $ 36 Residential Home Today — — 16 — — 16 Home equity loans and lines of credit — — 195 — — 195 Total $ — $ — $ 233 $ 14 $ — $ 247 The tables below summarize information about TDRs restructured within 12 months of the periods presented for which there was a subsequent payment default, at least 30 days past due on one scheduled payment, during the period presented. For the Three Months Ended June 30, 2023 TDRs That Subsequently Defaulted Number of Contracts Amortized Cost Residential Core 3 $ 456 Residential Home Today 5 108 Home equity loans and lines of credit 1 57 Total 9 $ 621 For the Nine Months Ended June 30, 2023 TDRs That Subsequently Defaulted Number of Contracts Amortized Cost Residential Core 3 $ 456 Residential Home Today 6 164 Home equity loans and lines of credit 1 57 Total 10 $ 677

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Jun. 30, 2024
Earnings Per Share [Abstract]
Summary Of Earnings Per Share	The following is a summary of the Company's earnings per share calculations. For the Three Months Ended June 30, 2024 2023 Income Shares Per share Income Shares Per share (Dollars in thousands, except per share data) Net income $ 19,953 $ 17,603 Less: income allocated to restricted stock units 343 388 Basic earnings per share: Income available to common shareholders 19,610 278,291,376 $ 0.07 17,215 277,472,312 $ 0.06 Diluted earnings per share: Effect of dilutive potential common shares 929,984 1,118,498 Income available to common shareholders $ 19,610 279,221,360 $ 0.07 $ 17,215 278,590,810 $ 0.06 For the Nine Months Ended June 30, 2024 2023 Income Shares Per share Income Shares Per share (Dollars in thousands, except per share data) Net income $ 61,373 $ 55,704 Less: income allocated to restricted stock units 1,090 1,164 Basic earnings per share: Income available to common shareholders 60,283 278,104,352 $ 0.22 54,540 277,384,689 $ 0.20 Diluted earnings per share: Effect of dilutive potential common shares 967,735 1,122,913 Income available to common shareholders $ 60,283 279,072,087 $ 0.22 $ 54,540 278,507,602 $ 0.20
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share	The following is a summary of outstanding stock options and restricted and performance share units that are excluded from the computation of diluted earnings per share because their inclusion would be anti-dilutive. For the Three Months Ended June 30, For the Nine Months Ended June 30, 2024 2023 2024 2023 Options to purchase shares 2,231,475 1,995,275 2,231,475 1,995,275 Restricted and performance stock units 30,000 107,669 30,000 57,669

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Jun. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation	Investments available for sale are summarized in the tables below. June 30, 2024 Amortized Gross Fair Gains Losses REMICs $ 487,914 $ 120 $ (41,372) $ 446,662 Fannie Mae certificates 2,855 46 (6) 2,895 Freddie Mac certificates 1,139 — (54) 1,085 U.S. government and agency obligations 72,640 — (315) 72,325 Total $ 564,548 $ 166 $ (41,747) $ 522,967 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
Debt Securities, Available-for-sale	The following is a summary of our securities portfolio by the period remaining until contractual maturity and yield at June 30, 2024. 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-exempt securities at June 30, 2024 or September 30, 2023. June 30, 2024 September 30, 2023 Amortized Cost Fair Value Weighted Average Yield Amortized Cost Fair Value Weighted Average Yield Due in one year or less $ 68,780 $ 68,752 5.26 % $ 59,948 $ 59,936 5.13 % Due after one to five years 8,948 8,566 1.94 10,529 9,929 2.00 Due after five to ten years 29,614 28,443 3.16 31,372 29,381 2.42 Ten years or greater 457,206 417,206 3.11 459,866 409,078 2.82 Total $ 564,548 $ 522,967 3.36 % $ 561,715 $ 508,324 3.03 %
Available-for-sale Securities	Gross unrealized losses on available for sale securities and the estimated fair value of the related securities, aggregated by the length of time the securities have been in a continuous loss position, at June 30, 2024 and September 30, 2023, were as follows: June 30, 2024 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 59,683 $ 390 $ 358,476 $ 40,982 $ 418,159 $ 41,372 Fannie Mae certificates — — 100 6 100 6 Freddie Mac certificates — — 1,085 54 1,085 54 U.S. government and agency obligations 68,581 27 3,743 288 72,324 315 Total $ 128,264 $ 417 $ 363,404 $ 41,330 $ 491,668 $ 41,747 September 30, 2023 Less Than 12 Months 12 Months or More Total Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Estimated Fair Value Unrealized Loss Available for sale— REMICs $ 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

Loans And Allowance For Credi_2

Loans And Allowance For Credit Losses (Tables)	9 Months Ended	12 Months Ended
	Jun. 30, 2024	Sep. 30, 2023
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable	Loans held for investment consist of the following: June 30, September 30, Real estate loans: Residential Core $ 11,545,509 $ 12,078,158 Residential Home Today 42,402 46,508 Home equity loans and lines of credit 3,588,820 3,030,526 Construction 27,030 48,406 Real estate loans 15,203,761 15,203,598 Other loans 5,070 4,411 Add (deduct): Deferred loan expenses, net 62,738 60,807 Loans in process (14,078) (25,754) Allowance for credit losses on loans (67,529) (77,315) Loans held for investment, net $ 15,189,962 $ 15,165,747
Schedule Of Recorded Investment Of Loan Receivables That Are Past Due	An aging analysis of the amortized cost in loan receivables that are past due at June 30, 2024 and September 30, 2023, 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. 30-59 60-89 90 Days or Total Past Current Total June 30, 2024 Real estate loans: Residential Core $ 4,091 $ 2,828 $ 9,518 $ 16,437 $ 11,552,199 $ 11,568,636 Residential Home Today 714 469 794 1,977 39,959 41,936 Home equity loans and lines of credit 4,736 981 4,442 10,159 3,618,740 3,628,899 Construction — — — — 12,950 12,950 Total real estate loans 9,541 4,278 14,754 28,573 15,223,848 15,252,421 Other loans — — — — 5,070 5,070 Total $ 9,541 $ 4,278 $ 14,754 $ 28,573 $ 15,228,918 $ 15,257,491 30-59 60-89 90 Days or 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
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 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 June 30, 2024 or September 30, 2023. June 30, 2024 September 30, 2023 Non-accrual with No ACL Total Non-accrual with No ACL Total Real estate loans: Residential Core $ 19,375 $ 22,658 $ 15,691 $ 19,414 Residential Home Today 3,698 3,910 4,511 4,623 Home equity loans and lines of credit 7,548 8,801 7,035 7,877 Total non-accrual loans $ 30,621 $ 35,369 $ 27,237 $ 31,914
Schedule Of The Allowance For Loan Losses	For the Three Months Ended June 30, 2024 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 47,714 $ (2,924) $ (29) $ 453 $ 45,214 Residential Home Today (2,624) (1,076) (73) 669 (3,104) Home equity loans and lines of credit 22,998 2,045 (161) 487 25,369 Construction 81 (51) — 20 50 Total real estate loans $ 68,169 $ (2,006) $ (263) $ 1,629 $ 67,529 Total Unfunded Loan Commitments (1) $ 26,657 $ 1,506 $ — $ — $ 28,163 Total Allowance for Credit Losses $ 94,826 $ (500) $ (263) $ 1,629 $ 95,692 (1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit. For the Three Months Ended June 30, 2023 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 53,772 $ 587 $ (35) $ 227 $ 54,551 Residential Home Today (1,212) (283) (34) 434 (1,095) Home equity loans and lines of credit 21,232 (1,272) (22) 1,194 21,132 Construction 346 (131) — — 215 Total real estate loans $ 74,138 $ (1,099) $ (91) $ 1,855 $ 74,803 Total Unfunded Loan Commitments (1) $ 26,653 $ 1,099 $ — $ — $ 27,752 Total Allowance for Credit Losses $ 100,791 $ — $ (91) $ 1,855 $ 102,555 (1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit. For the Nine Months Ended June 30, 2024 Beginning Adoption of ASU 2022-02 Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 55,375 $ (5,896) $ (5,076) $ (216) $ 1,027 $ 45,214 Residential Home Today (1,236) (1,896) (1,517) (103) 1,648 (3,104) Home equity loans and lines of credit 23,047 (2,470) 3,544 (695) 1,943 25,369 Construction 129 — (99) — 20 50 Total real estate loans $ 77,315 $ (10,262) $ (3,148) $ (1,014) $ 4,638 $ 67,529 Total Unfunded Loan Commitments (1) $ 27,515 $ — $ 648 $ — $ — $ 28,163 Total Allowance for Credit Losses $ 104,830 $ (10,262) $ (2,500) $ (1,014) $ 4,638 $ 95,692 (1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit. For the Nine Months Ended June 30, 2023 Beginning Provisions (Releases) Charge-offs Recoveries Ending Real estate loans: Residential Core $ 53,506 $ 455 $ (241) $ 831 $ 54,551 Residential Home Today (997) (1,527) (278) 1,707 (1,095) Home equity loans and lines of credit 20,032 (1,520) (580) 3,200 21,132 Construction 354 (139) — — 215 Total real estate loans $ 72,895 $ (2,731) $ (1,099) $ 5,738 $ 74,803 Total Unfunded Loan Commitments (1) $ 27,021 $ 731 $ — $ — $ 27,752 Total Allowance for Credit Losses $ 99,916 $ (2,000) $ (1,099) $ 5,738 $ 102,555
Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade	The following tables provide the amortized cost and 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 tables. No Home Today loans are classified Special Mention and all construction loans are classified Pass for both periods presented. Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term By fiscal year of origination 2024 2023 2022 2021 2020 Prior Total June 30, 2024 Real estate loans: Residential Core Pass $ 405,267 $ 1,519,804 $ 3,009,373 $ 1,901,677 $ 1,245,730 $ 3,458,502 $ — $ — $ 11,540,353 Special Mention — — — — — 960 — — 960 Substandard 182 1,540 2,909 1,009 2,210 19,473 — — 27,323 Total Residential Core 405,449 1,521,344 3,012,282 1,902,686 1,247,940 3,478,935 — — 11,568,636 Residential Home Today (1) Pass — — — — — 37,234 — — 37,234 Substandard — — — — — 4,702 — — 4,702 Total Residential Home Today — — — — — 41,936 — — 41,936 Home equity loans and lines of credit Pass 203,998 174,260 61,206 19,783 5,598 16,101 3,077,039 54,895 3,612,880 Special Mention 115 175 129 — — — 3,919 437 4,775 Substandard — 198 212 143 45 145 5,844 4,657 11,244 Total Home equity loans and lines of credit 204,113 174,633 61,547 19,926 5,643 16,246 3,086,802 59,989 3,628,899 Total Construction 5,694 7,256 — — — — — — 12,950 Total real estate loans Pass 614,959 1,701,320 3,070,579 1,921,460 1,251,328 3,511,837 3,077,039 54,895 15,203,417 Special Mention 115 175 129 — — 960 3,919 437 5,735 Substandard 182 1,738 3,121 1,152 2,255 24,320 5,844 4,657 43,269 Total real estate loans $ 615,256 $ 1,703,233 $ 3,073,829 $ 1,922,612 $ 1,253,583 $ 3,537,117 $ 3,086,802 $ 59,989 $ 15,252,421 (1) No new originations of Home Today loans since fiscal year 2016. Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term By fiscal year of origination 2023 2022 2021 2020 2019 Prior 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 year 2016. The following table presents gross charge-offs of residential loan receivables recorded during the fiscal year-to-date period presented. There were no gross charge-offs in the construction loan portfolio for the period presented. For the Nine Months Ended June 30, 2024 Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term By fiscal year of origination 2024 2023 2022 2021 2020 Prior Total Real estate loans: Residential Core $ 11 $ — $ 10 $ — $ — $ 195 $ — $ — $ 216 Residential Home Today — — — — — 103 — — 103 Home equity loans and lines of credit — — 16 18 — — 369 292 695 Total real estate loans $ 11 $ — $ 26 $ 18 $ — $ 298 $ 369 $ 292 $ 1,014
Schedule Of Modified Loans	The following tables present the amortized cost of modifications by type during the periods presented. For the three and nine months ended June 30, 2024, there were no modifications made on construction loans. For the Three Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total % of Total Class Residential Core $ — $ 182 $ 590 $ 16 $ — $ 788 0.01 % Residential Home Today — 56 69 37 — 162 0.39 Home equity loans and lines of credit — — 471 98 — 569 0.02 Total $ — $ 238 $ 1,130 $ 151 $ — $ 1,519 0.01 % For the Nine Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total % of Total Class Residential Core $ — $ 529 $ 2,704 $ 843 $ 475 $ 4,551 0.04 % Residential Home Today — 104 221 225 — 550 1.31 Home equity loans and lines of credit — — 985 234 25 1,244 0.03 Total $ — $ 633 $ 3,910 $ 1,302 $ 500 $ 6,345 0.04 % The following tables present the financial effects of the loan modifications presented above to borrowers experiencing financial difficulty for the three and nine months ended June 30, 2024. For the Three Months Ended June 30, 2024 Interest Rate Reduction Term Extension Weighted-Average Contractual Interest Rate Weighted-Average Years Added to Life From To Residential Core 3.39% 2.00% 1.6 Residential Home Today 5.63% 2.00% 10.4 Home equity loans and lines of credit 7.99% 3.50% 7.3 For the Nine Months Ended June 30, 2024 Interest Rate Reduction Term Extension Weighted-Average Contractual Interest Rate Weighted-Average Years Added to Life From To Residential Core 3.97% 2.07% 10.2 Residential Home Today 3.91% 2.00% 14.9 Home equity loans and lines of credit 6.46% 3.18% 10.6 The following table presents performance by loan type on loans modified during the nine months ended June 30, 2024, for borrowers experiencing financial difficulty. The loans in delinquency status primarily consisted of loans with significant payment delays prior to modification, which continue to be reported delinquent based on their original contractual terms. June 30, 2024 30-59 60-89 90 Days or Total Past Current Total Residential Core $ 76 $ 745 $ 944 $ 1,765 $ 2,786 $ 4,551 Residential Home Today 57 10 210 277 273 550 Home equity loans and lines of credit 282 — 848 1,130 114 1,244 Total $ 415 $ 755 $ 2,002 $ 3,172 $ 3,173 $ 6,345 The following tables set forth the amortized cost of TDRs restructured during the periods presented. For all loans modified during the three and nine months ended June 30, 2023, the pre-modified outstanding amortized cost was not materially different from the post-modified outstanding amortized cost. For the Three Months Ended June 30, 2023 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 708 $ 688 $ 104 $ 1,500 Residential Home Today 113 5 — 118 Home equity loans and lines of credit 764 — — 764 Total $ 1,585 $ 693 $ 104 $ 2,382 For the Nine Months Ended June 30, 2023 Initial Restructuring Multiple Bankruptcy Total Residential Core $ 2,585 $ 1,431 $ 653 $ 4,669 Residential Home Today 289 322 32 643 Home equity loans and lines of credit 1,121 71 — 1,192 Total $ 3,995 $ 1,824 $ 685 $ 6,504	The amortized cost in TDRs by category, at September 30, 2023, is shown in the table 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
Financing Receivable, Modified, Subsequent Default	The table below summarizes information about modifications that were modified on or after October 1, 2023 and subsequently defaulted during the three and nine months ended June 30, 2024. For the Three Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total Residential Core $ — $ — $ 22 $ 14 $ — $ 36 Residential Home Today — — 16 — — 16 Home equity loans and lines of credit — — 101 — — 101 Total $ — $ — $ 139 $ 14 $ — $ 153 For the Nine Months Ended June 30, 2024 Interest Rate Reduction Term Extension Significant Payment Delay Combination-Rate Reduction & Term Extension Other Total Residential Core $ — $ — $ 22 $ 14 $ — $ 36 Residential Home Today — — 16 — — 16 Home equity loans and lines of credit — — 195 — — 195 Total $ — $ — $ 233 $ 14 $ — $ 247 The tables below summarize information about TDRs restructured within 12 months of the periods presented for which there was a subsequent payment default, at least 30 days past due on one scheduled payment, during the period presented. For the Three Months Ended June 30, 2023 TDRs That Subsequently Defaulted Number of Contracts Amortized Cost Residential Core 3 $ 456 Residential Home Today 5 108 Home equity loans and lines of credit 1 57 Total 9 $ 621 For the Nine Months Ended June 30, 2023 TDRs That Subsequently Defaulted Number of Contracts Amortized Cost Residential Core 3 $ 456 Residential Home Today 6 164 Home equity loans and lines of credit 1 57 Total 10 $ 677

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Jun. 30, 2024
Deposits [Abstract]
Summary Of Deposit Account Balances	Deposit account balances are summarized as follows: June 30, September 30, Checking accounts $ 865,440 $ 983,396 Savings accounts, excluding money market accounts 1,186,606 1,460,601 Money market accounts 208,407 346,479 Certificates of deposit 7,743,775 6,648,982 10,004,228 9,439,458 Accrued interest 21,749 10,362 Total deposits $ 10,025,977 $ 9,449,820

Borrowed Funds (Tables)

Borrowed Funds (Tables)	9 Months Ended
	Jun. 30, 2024
Debt Disclosure [Abstract]
Total Borrowings	Total borrowings at June 30, 2024 are summarized in the table below: Borrowing Capacity Borrowings Available Borrowings Outstanding FHLB $ 7,484,050 $ 2,676,956 $ 4,807,094 FRB Cleveland 645,962 645,962 — Fed Funds Purchased 445,000 445,000 — Subtotal $ 8,575,012 $ 3,767,918 4,807,094 Accrued Interest 22,271 Total Borrowings $ 4,829,365
Maturities Of Borrowings	Maturities of borrowings at June 30, 2024 are summarized in the table below: Amount Weighted Average Rate Maturing in: 12 months or less $ 975,000 2.43 % 13 to 24 months 975,373 2.97 25 to 36 months 850,000 3.03 37 to 48 months 751,752 3.76 49 to 60 months 476,213 3.54 Over 60 months 778,756 3.37 Total Advances 4,807,094 3.12 Accrued interest 22,271 Total $ 4,829,365

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Jun. 30, 2024
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The change in accumulated other comprehensive income (loss), net of tax and the related tax expense (benefit) by component is as follows: For the Three Months Ended For the Three Months Ended June 30, 2024 June 30, 2023 Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Balance at beginning of period $ (32,107) $ 83,044 $ (8,519) $ 42,418 $ (31,687) $ 47,831 $ (11,443) $ 4,701 Other comprehensive income (loss) before reclassifications 42 16,525 — 16,567 (6,127) 65,980 — 59,853 Amounts reclassified — (16,476) 105 (16,371) — (13,765) 196 (13,569) Other comprehensive income (loss), net of tax 42 49 105 196 (6,127) 52,215 196 46,284 Balance at end of period $ (32,065) $ 83,093 $ (8,414) $ 42,614 $ (37,814) $ 100,046 $ (11,247) $ 50,985 Tax expense (benefit) netted in other comprehensive income or loss $ 12 $ 14 $ 31 $ 57 $ (1,803) $ 15,368 $ 59 $ 13,624 For the Nine Months Ended For the Nine Months Ended June 30, 2024 June 30, 2023 Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Unrealized Gains (Losses) on Securities Available for Sale Cash Flow Hedges Defined Benefit Plan Total Balance at beginning of period $ (41,173) $ 135,532 $ (9,147) $ 85,212 $ (33,899) $ 68,883 $ (11,835) $ 23,149 Other comprehensive income (loss) before reclassifications 9,108 (663) 418 8,863 (3,915) 59,763 — 55,848 Amounts reclassified — (51,776) 315 (51,461) — (28,600) 588 (28,012) Other comprehensive income (loss), net of tax 9,108 (52,439) 733 (42,598) (3,915) 31,163 588 27,836 Balance at end of period $ (32,065) $ 83,093 $ (8,414) $ 42,614 $ (37,814) $ 100,046 $ (11,247) $ 50,985 Tax expense (benefit) netted in other comprehensive income or loss $ 2,703 $ (15,572) $ 221 $ (12,648) $ (1,330) $ 9,535 $ 177 $ 8,382
Reclassification Out Of Accumulated Other Comprehensive Income (Loss) Included In Net Income	The following table presents the reclassification adjustments out of accumulated other comprehensive income (loss) included in net income and the corresponding line item on the CONSOLIDATED STATEMENTS OF INCOME for the periods indicated: Amounts Reclassified from Accumulated Amounts Reclassified from Accumulated Details about Accumulated Other Comprehensive Income Components For the Three Months Ended June 30, For the Nine Months Ended June 30, Line Item in the Consolidated Statements of Income 2024 2023 2024 2023 Cash flow hedges: Interest (income) expense $ (21,369) $ (17,817) $ (67,152) $ (36,992) Interest expense Net income tax effect 4,893 4,052 15,376 8,392 Income tax expense Net of income tax expense (16,476) (13,765) (51,776) (28,600) Amortization of defined benefit plan: Actuarial loss 136 255 410 765 (a) Net income tax effect (31) (59) (95) (177) Income tax expense Net of income tax expense 105 196 315 588 Total reclassifications for the period $ (16,371) $ (13,569) $ (51,461) $ (28,012) (a) This item is included in the computation of net periodic pension cost. See Note 9. DEFINED BENEFIT PLAN for additional disclosure.

Defined Benefit Plan (Tables)

Defined Benefit Plan (Tables)	9 Months Ended
	Jun. 30, 2024
Retirement Benefits [Abstract]
Components Of Net Periodic Benefit Cost Recognized	The components of net periodic cost recognized in other non-interest expense in the CONSOLIDATED STATEMENTS OF INCOME are as follows: For the Three Months Ended For the Nine Months Ended June 30, June 30, 2024 2023 2024 2023 Interest cost $ 827 $ 831 $ 2,480 $ 2,493 Expected return on plan assets (995) (968) (2,986) (2,904) Amortization of net loss 136 255 410 765 Net periodic (benefit) cost $ (32) $ 118 $ (96) $ 354

Equity Incentive Plan Equity In

Equity Incentive Plan Equity Incentive Plan (Tables)	9 Months Ended
	Jun. 30, 2024
Share-Based Payment Arrangement [Abstract]
Share-based Payment Arrangement, Cost by Plan [Table Text Block]	The following table presents share-based compensation expense recognized during the periods presented: For the Three Months Ended For the Nine Months Ended June 30, June 30, 2024 2023 2024 2023 Stock option expense $ 31 $ — $ 54 $ — Restricted stock units expense 584 802 2,216 2,550 Performance share units expense 225 263 656 734 Total stock-based compensation expense $ 840 $ 1,065 $ 2,926 $ 3,284

Commitments And Contingent Li_2

Commitments And Contingent Liabilities (Tables)	9 Months Ended
	Jun. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Schedule Of Commitments To Originate And Unfunded Commitments	At June 30, 2024, the Company had commitments to originate or purchase loans and related allowances as follows: Commitment Allowance Fixed-rate mortgage loans $ 101,997 $ 491 Adjustable-rate mortgage loans 15,880 81 Home equity loans and lines of credit 230,890 3,101 Total $ 348,767 $ 3,673 At June 30, 2024, the Company had unfunded commitments outstanding and related allowances as follows: Commitment Allowance Home equity lines of credit $ 5,105,164 $ 24,413 Construction loans 14,078 77 Total $ 5,119,242 $ 24,490

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
	Jun. 30, 2024
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 June 30, 2024 and September 30, 2023, are summarized below. Recurring Fair Value Measurements at Reporting Date Using June 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 446,662 $ — $ 446,662 $ — Fannie Mae certificates 2,895 — 2,895 — Freddie Mac securities 1,085 — 1,085 — U.S. government and agency obligations 72,325 — 72,325 — Mortgage loans held for sale 19,308 — 19,308 — Derivatives: Interest rate lock commitments 512 — — 512 Total $ 542,787 $ — $ 542,275 $ 512 Liabilities Derivatives: Forward commitments for the sale of mortgage loans $ 8 $ — $ 8 $ — Total $ 8 $ — $ 8 $ — Recurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Assets Investment securities available for sale: REMICs $ 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
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation of the beginning and ending balances and the location within the CONSOLIDATED STATEMENTS OF INCOME where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3). Three Months Ended June 30, Nine Months Ended June 30, 2024 2023 2024 2023 Beginning balance $ 358 $ (23) $ (1) $ (333) Gain during the period due to changes in fair value: Included in other non-interest income 154 (24) 513 286 Ending balance $ 512 $ (47) $ 512 $ (47) Change in unrealized gains for the period included in earnings for assets held at end of the reporting date $ 512 $ (47) $ 512 $ (47)
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 June 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Collateral-dependent loans, net of allowance $ 38,523 $ — $ — $ 38,523 Mortgage loans held for sale 11,083 — 11,083 — Real estate owned (1) 513 — — 513 Total $ 50,119 $ — $ 11,083 $ 39,036 Nonrecurring Fair Value Measurements at Reporting Date Using September 30, Quoted Prices in Significant Other Significant (Level 1) (Level 2) (Level 3) Collateral-dependent loans, net of allowance $ 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.
Fair Value Inputs, Assets, Quantitative Information	The following provides quantitative information about significant unobservable inputs categorized within Level 3 of the Fair Value Hierarchy. Fair Value June 30, 2024 Valuation Technique(s) Unobservable Input Range Weighted Average Collateral-dependent loans, net of allowance $38,523 Market comparables of collateral discounted to estimated net proceeds Discount appraised value to estimated net proceeds based on historical experience: • Residential Properties 0 - 28% 4.4% Interest rate lock commitments $512 Quoted Secondary Market pricing Closure rate 0 - 100% 97.0% 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%
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 . June 30, 2024 Carrying Fair Level 1 Level 2 Level 3 Amount Value Assets: Cash and due from banks $ 29,411 $ 29,411 $ 29,411 $ — $ — Interest-earning cash equivalents 531,024 531,024 531,024 — — Investment securities available for sale 522,967 522,967 — 522,967 — Mortgage loans held for sale 30,391 30,391 — 30,391 — Loans, net: Mortgage loans held for investment 15,184,892 13,645,473 — — 13,645,473 Other loans 5,070 5,070 — — 5,070 Federal Home Loan Bank stock 232,083 232,083 N/A — — Accrued interest receivable 58,615 58,615 — 58,615 — Cash collateral received from or held by counterparty 1,727 1,727 1,727 — — Derivatives 512 512 — — 512 Liabilities: Checking and passbook accounts $ 2,260,453 $ 2,260,453 $ — $ 2,260,453 $ — Certificates of deposit 7,765,524 7,664,405 — 7,664,405 — Borrowed funds 4,829,365 4,818,935 — 4,818,935 — Borrowers’ advances for insurance and taxes 66,757 66,757 — 66,757 — Principal, interest and escrow owed on loans serviced 16,867 16,867 — 16,867 — Derivatives 8 8 — 8 — September 30, 2023 Carrying Fair Level 1 Level 2 Level 3 Amount Value 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 insurance and taxes 124,417 124,417 — 124,417 — Principal, interest and escrow owed on loans serviced 29,811 29,811 — 29,811 — Derivatives 1 1 — — 1

Derivative Instruments (Tables)

Derivative Instruments (Tables)	9 Months Ended
	Jun. 30, 2024
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 for fair values of derivative instruments at the reporting dates and their related notional values. June 30, 2024 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Derivatives designated as hedging instruments Cash flow hedges: Interest rate swaps Other Assets $ 3,640,000 $ — 3.4 3.00 % Other Liabilities 85,000 — 2.6 4.66 Total cash flow hedges: Interest rate swaps $ 3,725,000 $ — 3.4 3.04 % September 30, 2023 Weighted Average Notional Value Fair Value Term (years) Fixed-Rate Payments Cash flow hedges: Interest rate swaps Other Assets $ 3,815,000 $ — 3.7 2.91 % Total cash flow hedges: Interest rate swaps $ 3,815,000 $ — 3.7 2.91 % June 30, 2024 September 30, 2023 Notional Value Fair Value Notional Value Fair Value Derivatives not designated as hedging instruments Interest rate lock commitments Other Assets $ 28,010 $ 512 $ — $ — Other Liabilities — — 1,830 (1) Forward Commitments for the sale of mortgage loans Other Assets — — 2,094 11 Other Liabilities 47,238 (8) — — Total derivatives not designated as hedging instruments $ 75,248 $ 504 $ 3,924 $ 10
Schedule of Effect of Derivative Instruments, Gain (Loss) in Statement of Financial Performance	The following tables present the net gains and losses recorded within the CONSOLIDATED STATEMENTS OF INCOME and the CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME relating to derivative instruments. Three Months Ended Nine Months Ended Location of Gain or (Loss) June 30, June 30, Recognized in Income 2024 2023 2024 2023 Cash flow hedges Amount of gain/(loss) recognized Other comprehensive income $ 21,433 $ 85,399 $ (858) $ 77,689 Amount of gain/(loss) reclassified from AOCI Interest expense: Borrowed funds and Deposits 21,369 17,817 67,152 36,992 Derivatives not designated as hedging instruments Interest rate lock commitments Other non-interest income $ 154 $ (24) $ 513 $ 286 Forward commitments for the sale of mortgage loans Net gain/(loss) on the sale of loans 132 84 (19) 8

Basis Of Presentation (Details)

Basis Of Presentation (Details)	Jun. 30, 2024
Third Federal Savings, MHC | Common Stock
Mutual Holding Company, Percentage Of Ownership In Registrant	80.90%

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - shares	Jun. 30, 2024	Jun. 30, 2023
Earnings Per Share [Abstract]
Shares Held By Parent Holding Company	227,119,132
Employee Stock Ownership Plan (ESOP), neither allocated nor committed to be released to participants (in shares)	2,383,366	2,816,706

Earnings Per Share (Summary Of

Earnings Per Share (Summary Of Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Earnings Per Share [Abstract]
Net income	$ 19,953	$ 17,603	$ 61,373	$ 55,704
Dilutive Securities, Effect on Basic Earnings Per Share	343	388	1,090	1,164
Income available to common shareholders, Basic	$ 19,610	$ 17,215	$ 60,283	$ 54,540
Income available to common shareholders, Shares	278,291,376	277,472,312	278,104,352	277,384,689
Income available to common shareholders, per share amount, basic	$ 0.07	$ 0.06	$ 0.22	$ 0.20
Effect of dilutive potential common shares	929,984	1,118,498	967,735	1,122,913
Net Income (Loss) Available to Common Stockholders, Diluted, Total	$ 19,610	$ 17,215	$ 60,283	$ 54,540
Income available to common shareholders, Shares	279,221,360	278,590,810	279,072,087	278,507,602
Income available to common shareholders, per share amount, diluted	$ 0.07	$ 0.06	$ 0.22	$ 0.20

Earnings Per Share (Schedule of

Earnings Per Share (Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share) (Details) - shares	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Options to purchase shares
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase shares and restricted stock units (antidilutive) (in shares)	2,231,475	1,995,275	2,231,475	1,995,275
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)	30,000	107,669	30,000	57,669

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Schedule of Available For Sale Securities [Line Items]
Investments securities available-for-sale	$ 522,967	$ 508,324
.Accrued interest on investment securities	1,813	1,907
U.S. government and agency obligations
Schedule of Available For Sale Securities [Line Items]
Investments securities available-for-sale	72,325	63,459
U.S. government and agency obligations | Asset Pledged as Collateral | Margin requirement
Schedule of Available For Sale Securities [Line Items]
Investments securities available-for-sale	$ 68,581	$ 59,813

Investment Securities (Investme

Investment Securities (Investments Securities Available For Sale) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Schedule of Available For Sale Securities [Line Items]
Amortized cost, Total	$ 564,548	$ 561,715
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	166	1
Investments securities available-for-sale, gross unrealized losses	(41,747)	(53,392)
Investments securities available-for-sale	522,967	508,324
REMIC's
Schedule of Available For Sale Securities [Line Items]
Amortized cost, Total	487,914	495,874
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	120	0
Investments securities available-for-sale, gross unrealized losses	(41,372)	(52,867)
Investments securities available-for-sale	446,662	443,007
Fannie Mae Certificates
Schedule of Available For Sale Securities [Line Items]
Amortized cost, Total	2,855	834
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	46	1
Investments securities available-for-sale, gross unrealized losses	(6)	(21)
Investments securities available-for-sale	2,895	814
Freddie Mac Certificates
Schedule of Available For Sale Securities [Line Items]
Amortized cost, Total	1,139	1,141
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	0	0
Investments securities available-for-sale, gross unrealized losses	(54)	(97)
Investments securities available-for-sale	1,085	1,044
U.S. government and agency obligations
Schedule of Available For Sale Securities [Line Items]
Amortized cost, Total	72,640	63,866
Investments securities available-for-sale, accumulated gross unrealized gain, before tax	0	0
Investments securities available-for-sale, gross unrealized losses	(315)	(407)
Investments securities available-for-sale	$ 72,325	$ 63,459

Investment Securities Maturitie

Investment Securities Maturities And Yield (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Schedule of Available For Sale Securities [Line Items]
Amortized Cost, Less than one year	$ 68,780	$ 59,948
Fair Value, Less than one year	$ 68,752	$ 59,936
Weighted Average Yield, Less than one year	5.26%	5.13%
Amortized Cost, One to five years	$ 8,948	$ 10,529
Fair Value, One to five years	$ 8,566	$ 9,929
Weighted Average Yield, One to five years	1.94%	2%
Amortized Cost, Five to ten years	$ 29,614	$ 31,372
Fair Value, Five to ten years	$ 28,443	$ 29,381
Weighted Average Yield, Five to ten years	3.16%	2.42%
Amortized Cost, Ten years or greater	$ 457,206	$ 459,866
Fair Value, Ten years or greater	$ 417,206	$ 409,078
Weighted Average Yield, Ten years or greater	3.11%	2.82%
Amortized cost, Total	$ 564,548	$ 561,715
Fair value, Total	$ 522,967	$ 508,324
Weighted Average Yield, Total	3.36%	3.03%

Investment Securities (Invest_2

Investment Securities (Investment Securities Held at a Continuous Loss) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Schedule of Available For Sale Securities [Line Items]
Available-for-sale, continuous unrealized loss position, less than 12 Months	$ 128,264	$ 141,888
Available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	417	1,878
Available-for-sale, continuous unrealized loss position, 12 months or longer	363,404	366,201
Available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	41,330	51,514
Available-for-sale, continuous unrealized loss position	491,668	508,089
Available-for-sale, continuous unrealized loss position, accumulated loss	41,747	53,392
REMIC's
Schedule of Available For Sale Securities [Line Items]
Available-for-sale, continuous unrealized loss position, less than 12 Months	59,683	80,452
Available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	390	1,749
Available-for-sale, continuous unrealized loss position, 12 months or longer	358,476	362,555
Available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	40,982	51,118
Available-for-sale, continuous unrealized loss position	418,159	443,007
Available-for-sale, continuous unrealized loss position, accumulated loss	41,372	52,867
Fannie Mae Certificates
Schedule of Available For Sale Securities [Line Items]
Available-for-sale, continuous unrealized loss position, less than 12 Months	0	578
Available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	0	21
Available-for-sale, continuous unrealized loss position, 12 months or longer	100	0
Available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	6	0
Available-for-sale, continuous unrealized loss position	100	578
Available-for-sale, continuous unrealized loss position, accumulated loss	6	21
Freddie Mac Certificates
Schedule of Available For Sale Securities [Line Items]
Available-for-sale, continuous unrealized loss position, less than 12 Months	0	1,045
Available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	0	97
Available-for-sale, continuous unrealized loss position, 12 months or longer	1,085	0
Available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	54	0
Available-for-sale, continuous unrealized loss position	1,085	1,045
Available-for-sale, continuous unrealized loss position, accumulated loss	54	97
U.S. government and agency obligations
Schedule of Available For Sale Securities [Line Items]
Available-for-sale, continuous unrealized loss position, less than 12 Months	68,581	59,813
Available-for-sale, continuous unrealized loss position less than 12 Months, Accumulated Loss	27	11
Available-for-sale, continuous unrealized loss position, 12 months or longer	3,743	3,646
Available-for-sale, continuous unrealized loss position, 12 months or longer, accumulated loss	288	396
Available-for-sale, continuous unrealized loss position	72,324	63,459
Available-for-sale, continuous unrealized loss position, accumulated loss	$ 315	$ 407

Loans And Allowance For Credi_3

Loans And Allowance For Credit Losses (Loans Held For Investment) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
Loan Portfolio [Line Items]
Deferred loan expenses, net	$ 62,738		$ 62,738		$ 60,807
Loans in process (LIP)	(14,078)		(14,078)		(25,754)
Allowance for credit losses on loans	(67,529)		(67,529)		(77,315)
Loans, net	15,189,962		15,189,962		15,165,747
Transfer of loans from held for sale to held for investment	771	$ 0	771	$ 8,433
Loan Sales In Quarter
Loan Portfolio [Line Items]
Principal balance of loans sold	69,420	$ 23,583	190,743	$ 58,146
Other Loans
Loan Portfolio [Line Items]
Loans, gross	5,070		5,070		4,411
Real Estate Loans
Loan Portfolio [Line Items]
Loans, gross	15,203,761		15,203,761		15,203,598
Real Estate Loans | Residential Core
Loan Portfolio [Line Items]
Loans, gross	11,545,509		11,545,509		12,078,158
Real Estate Loans | Residential Home Today
Loan Portfolio [Line Items]
Loans, gross	42,402		42,402		46,508
Real Estate Loans | Home Equity Loans And Lines Of Credit
Loan Portfolio [Line Items]
Loans, gross	3,588,820		3,588,820		3,030,526
Real Estate Loans | Construction
Loan Portfolio [Line Items]
Loans, gross	$ 27,030		$ 27,030		$ 48,406

Loans And Allowance For Credi_4

Loans And Allowance For Credit Losses (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
Loan Portfolio [Line Items]
Accrued interest receivable	$ 58,615		$ 58,615		$ 53,910
Loans classified as mortgage loans held for sale	30,391		30,391		3,260
Transfer of loans from held for sale to held for investment	771	$ 0	771	$ 8,433
Real Estate Loans
Loan Portfolio [Line Items]
Loans in process of foreclosure	9,543		9,543		9,144
Real estate loans, non-performing	15,203,761		15,203,761		15,203,598
Loans
Loan Portfolio [Line Items]
Accrued interest receivable	56,795		56,795		51,989
Loan Sales In Quarter
Loan Portfolio [Line Items]
Principal balance of loans sold	69,420	23,583	190,743	58,146
Construction | Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans, non-performing	$ 27,030		$ 27,030		48,406
Construction/Permanent Loans | LTV 85 Percent | Maximum
Loan Portfolio [Line Items]
Loan To Completed Appraised Value, Percentage	85%		85%
Home Equity Loans And Lines Of Credit | Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans, non-performing	$ 3,588,820		$ 3,588,820		$ 3,030,526
Home Equity Loans And Lines Of Credit | Florida
Loan Portfolio [Line Items]
Residential real estate loans held, percent	23%		23%		22%
Home Equity Loans And Lines Of Credit | Ohio
Loan Portfolio [Line Items]
Residential real estate loans held, percent	24%		24%		26%
Home Equity Loans And Lines Of Credit | California
Loan Portfolio [Line Items]
Residential real estate loans held, percent	17%		17%		17%
Residential Core | Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans, non-performing	$ 11,545,509		$ 11,545,509		$ 12,078,158
Residential Core | Adjustable Rate Residential Mortgage
Loan Portfolio [Line Items]
Real estate loans, non-performing	4,497,753		4,497,753		$ 4,760,843
Home Today loans Originated After September 2016
Loan Portfolio [Line Items]
Real estate loans, non-performing	$ 0		$ 0
Residential Core, Home Today and Construction | Florida
Loan Portfolio [Line Items]
Residential real estate loans held, percent	17%		17%		18%
Residential Core, Home Today and Construction | Ohio
Loan Portfolio [Line Items]
Residential real estate loans held, percent	58%		58%		57%
Residential Home Today | Real Estate Loans
Loan Portfolio [Line Items]
Real estate loans, non-performing	$ 42,402		$ 42,402		$ 46,508
Home Equity Line of Credit
Loan Portfolio [Line Items]
Home equity lines of credit that converted from revolving loans to term loans.	$ 4,392	$ 802	$ 6,558	$ 1,697

Loans And Allowance For Credi_5

Loans And Allowance For Credit Losses (Schedule Of Recorded Investment In Loan Receivables That Are Past Due) (Details) - USD ($) $ in Thousands		Jun. 30, 2024	Sep. 30, 2023
Financing Receivable, Past Due [Line Items]
Total		$ 15,257,491	$ 15,243,062
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		9,541	7,617
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		4,278	2,776
Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		14,754	12,999
Past Due
Financing Receivable, Past Due [Line Items]
Total		28,573	23,392
Current
Financing Receivable, Past Due [Line Items]
Total		15,228,918	15,219,670
Other Loans
Financing Receivable, Past Due [Line Items]
Total		5,070	4,411
Other Loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Other Loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Other Loans | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Other Loans | Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Other Loans | Current
Financing Receivable, Past Due [Line Items]
Total		5,070	4,411
Real Estate Loans
Financing Receivable, Past Due [Line Items]
Total		15,252,421	15,238,651
Real Estate Loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		9,541	7,617
Real Estate Loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		4,278	2,776
Real Estate Loans | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		14,754	12,999
Real Estate Loans | Past Due
Financing Receivable, Past Due [Line Items]
Total		28,573	23,392
Real Estate Loans | Current
Financing Receivable, Past Due [Line Items]
Total		15,223,848	15,215,259
Real Estate Loans | Residential Core
Financing Receivable, Past Due [Line Items]
Total		11,568,636	12,102,939
Real Estate Loans | Residential Core | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		4,091	3,680
Real Estate Loans | Residential Core | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		2,828	1,763
Real Estate Loans | Residential Core | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		9,518	8,268
Real Estate Loans | Residential Core | Past Due
Financing Receivable, Past Due [Line Items]
Total		16,437	13,711
Real Estate Loans | Residential Core | Current
Financing Receivable, Past Due [Line Items]
Total		11,552,199	12,089,228
Real Estate Loans | Residential Home Today
Financing Receivable, Past Due [Line Items]
Total	[1]	41,936	46,030
Real Estate Loans | Residential Home Today | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		714	666
Real Estate Loans | Residential Home Today | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		469	323
Real Estate Loans | Residential Home Today | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		794	855
Real Estate Loans | Residential Home Today | Past Due
Financing Receivable, Past Due [Line Items]
Total		1,977	1,844
Real Estate Loans | Residential Home Today | Current
Financing Receivable, Past Due [Line Items]
Total		39,959	44,186
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Past Due [Line Items]
Total		3,628,899	3,067,281
Real Estate Loans | Home Equity Loans And Lines Of Credit | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		4,736	3,271
Real Estate Loans | Home Equity Loans And Lines Of Credit | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		981	690
Real Estate Loans | Home Equity Loans And Lines Of Credit | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		4,442	3,876
Real Estate Loans | Home Equity Loans And Lines Of Credit | Past Due
Financing Receivable, Past Due [Line Items]
Total		10,159	7,837
Real Estate Loans | Home Equity Loans And Lines Of Credit | Current
Financing Receivable, Past Due [Line Items]
Total		3,618,740	3,059,444
Real Estate Loans | Construction
Financing Receivable, Past Due [Line Items]
Total		12,950	22,401
Real Estate Loans | Construction | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Real Estate Loans | Construction | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Real Estate Loans | Construction | Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Real Estate Loans | Construction | Past Due
Financing Receivable, Past Due [Line Items]
Total		0	0
Real Estate Loans | Construction | Current
Financing Receivable, Past Due [Line Items]
Total		$ 12,950	$ 22,401
[1]No new originations of Home Today loans since fiscal year 2016.

Loans And Allowance For Credi_6

Loans And Allowance For Credit Losses (Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Interest income on impaired loans, cash basis method	$ 183	$ 145	$ 507	$ 503
Loans 90 days or more past due and still accruing	0		0		$ 0
Performing
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	20,635		20,635		18,915
Performing Chapter 7 Bankruptcy
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Total non-accrual loans	11,434		11,434		11,508
Real Estate Loans
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Non-accrual with No ACL	30,621		30,621		27,237
Total non-accrual loans	35,369		35,369		31,914
Loans in process of foreclosure	9,543		9,543		9,144
Real Estate Loans | Residential Core
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Non-accrual with No ACL	19,375		19,375		15,691
Total non-accrual loans	22,658		22,658		19,414
Real Estate Loans | Residential Home Today
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Non-accrual with No ACL	3,698		3,698		4,511
Total non-accrual loans	3,910		3,910		4,623
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Recorded Investment, Past Due, Nonaccrual Status [Line Items]
Non-accrual with No ACL	7,548		7,548		7,035
Total non-accrual loans	$ 8,801		$ 8,801		$ 7,877

Loans And Allowance For Credi_7

Loans And Allowance For Credit Losses (Allowance For Credit Losses And Classified Narrative) (Details) - USD ($) $ in Thousands		9 Months Ended	12 Months Ended
		Jun. 30, 2024	Sep. 30, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Residential loans, partial or full charge-off, number of days past due		180 days
Home equity lines of credit equity loans and residential loans modified in a troubled debt restructuring charge-offs, days past due		90 days
All classes of loans partial or full charge-off, sheriff sale scheduled within number of days		60 days
All classes of loans, all borrowers filed Chapter 7 Bankruptcy, recognized partial or full charge-off, days since notification		60 days
All classes of loans borrower filed bankruptcy, recognized partial or full charge-off, days past due		30 days
Net reduction in ACL due to quantitative adjustment		$ 6,753	$ 13,425
Collateral-Dependent loans, Days Past Due Minimum		30 days
Total		$ 15,257,491	15,243,062
Troubled Debt Restructuring | Present Value of Cash Flows
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses, Individually Evaluated		0	9,546
Other Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		5,070	4,411
Real estate loans, non-performing		5,070	4,411
Other Loans | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
Real estate loans, non-performing		0	0
Real Estate Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		15,252,421	15,238,651
Real estate loans, non-performing		15,203,761	15,203,598
Real Estate Loans | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		15,203,417	15,190,542
Real Estate Loans | Substandard
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		43,269	42,851
Real Estate Loans | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		5,735	5,258
Real Estate Loans | Residential Non Home Today
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		11,568,636	12,102,939
Real estate loans, non-performing		11,545,509	12,078,158
Real Estate Loans | Residential Non Home Today | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		11,540,353	12,074,169
Real Estate Loans | Residential Non Home Today | Substandard
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		27,323	27,027
Real Estate Loans | Residential Non Home Today | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		960	1,743
Real Estate Loans | Residential Home Today
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	[1]	41,936	46,030
Real estate loans, non-performing		42,402	46,508
Real Estate Loans | Residential Home Today | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	[1]	37,234	40,335
Real Estate Loans | Residential Home Today | Substandard
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	[1]	4,702	5,695
Real Estate Loans | Residential Home Today | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		0	0
Real Estate Loans | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		12,950	22,401
Real estate loans, non-performing		27,030	48,406
Real Estate Loans | Construction | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		$ 12,950	$ 22,401
[1]No new originations of Home Today loans since fiscal year 2016.

Loans And Allowance For Credi_8

Loans And Allowance For Credit Losses (Schedule Of Activity In The Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 94,826	$ 100,791	$ 104,830	$ 99,916
Provision	(500)	0	(2,500)	(2,000)
Charge-offs	(263)	(91)	(1,014)	(1,099)
Recoveries	1,629	1,855	4,638	5,738
Ending Balance	95,692	102,555	95,692	102,555
Adoption of ASU 2022-02 | Accounting Standards Update 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance			(10,262)
Unfunded Loan Commitment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	26,657	26,653	27,515	27,021
Provision	1,506	1,099	648	731
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending Balance	28,163	27,752	28,163	27,752
Real Estate Loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	68,169	74,138	77,315	72,895
Provision	(2,006)	(1,099)	(3,148)	(2,731)
Charge-offs	(263)	(91)	(1,014)	(1,099)
Recoveries	1,629	1,855	4,638	5,738
Ending Balance	67,529	74,803	67,529	74,803
Real Estate Loans | Adoption of ASU 2022-02 | Accounting Standards Update 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance			(10,262)
Real Estate Loans | Residential Core
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	47,714	53,772	55,375	53,506
Provision	(2,924)	587	(5,076)	455
Charge-offs	(29)	(35)	(216)	(241)
Recoveries	453	227	1,027	831
Ending Balance	45,214	54,551	45,214	54,551
Real Estate Loans | Residential Core | Adoption of ASU 2022-02 | Accounting Standards Update 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance			(5,896)
Real Estate Loans | Residential Home Today
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	(2,624)	(1,212)	(1,236)	(997)
Provision	(1,076)	(283)	(1,517)	(1,527)
Charge-offs	(73)	(34)	(103)	(278)
Recoveries	669	434	1,648	1,707
Ending Balance	(3,104)	(1,095)	(3,104)	(1,095)
Real Estate Loans | Residential Home Today | Adoption of ASU 2022-02 | Accounting Standards Update 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance			(1,896)
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	22,998	21,232	23,047	20,032
Provision	2,045	(1,272)	3,544	(1,520)
Charge-offs	(161)	(22)	(695)	(580)
Recoveries	487	1,194	1,943	3,200
Ending Balance	25,369	21,132	25,369	21,132
Real Estate Loans | Home Equity Loans And Lines Of Credit | Adoption of ASU 2022-02 | Accounting Standards Update 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance			(2,470)
Real Estate Loans | Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	81	346	129	354
Provision	(51)	(131)	(99)	(139)
Charge-offs	0	0	0	0
Recoveries	20	0	20	0
Ending Balance	$ 50	$ 215	50	$ 215
Real Estate Loans | Construction | Adoption of ASU 2022-02 | Accounting Standards Update 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance			0
Unfunded Loan Commitment | Adoption of ASU 2022-02 | Accounting Standards Update 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance			$ 0

Loans And Allowance For Credi_9

Loans And Allowance For Credit Losses (Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade) (Details) - USD ($) $ in Thousands		Jun. 30, 2024	Sep. 30, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Total		$ 15,257,491	$ 15,243,062
Pass | Performing | Troubled Debt Restructuring
Financing Receivable, Credit Quality Indicator [Line Items]
Impaired Financing Receivable, Recorded Investment			73,172
Other Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total		5,070	4,411
Real Estate Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		615,256	1,888,991
Originated fiscal year before current fiscal year		1,703,233	3,253,545
Originated two years before current fiscal year		3,073,829	2,080,770
Originated three years before current fiscal year		1,922,612	1,351,773
Originated four years before current fiscal year		1,253,583	571,006
Originated five years before current fiscal year		3,537,117	3,359,166
Revolving loans, amortized cost basis		3,086,802	2,664,707
Revolving loans converted to term		59,989	68,693
Total		15,252,421	15,238,651
Real Estate Loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		614,959	1,888,806
Originated fiscal year before current fiscal year		1,701,320	3,252,593
Originated two years before current fiscal year		3,070,579	2,078,733
Originated three years before current fiscal year		1,921,460	1,349,819
Originated four years before current fiscal year		1,251,328	570,147
Originated five years before current fiscal year		3,511,837	3,330,017
Revolving loans, amortized cost basis		3,077,039	2,657,028
Revolving loans converted to term		54,895	63,399
Total		15,203,417	15,190,542
Real Estate Loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		115	0
Originated fiscal year before current fiscal year		175	129
Originated two years before current fiscal year		129	612
Originated three years before current fiscal year		0	52
Originated four years before current fiscal year		0	138
Originated five years before current fiscal year		960	1,127
Revolving loans, amortized cost basis		3,919	2,830
Revolving loans converted to term		437	370
Total		5,735	5,258
Real Estate Loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		182	185
Originated fiscal year before current fiscal year		1,738	823
Originated two years before current fiscal year		3,121	1,425
Originated three years before current fiscal year		1,152	1,902
Originated four years before current fiscal year		2,255	721
Originated five years before current fiscal year		24,320	28,022
Revolving loans, amortized cost basis		5,844	4,849
Revolving loans converted to term		4,657	4,924
Total		43,269	42,851
Real Estate Loans | Residential Core
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		405,449	1,667,214
Originated fiscal year before current fiscal year		1,521,344	3,170,432
Originated two years before current fiscal year		3,012,282	2,056,641
Originated three years before current fiscal year		1,902,686	1,344,660
Originated four years before current fiscal year		1,247,940	564,782
Originated five years before current fiscal year		3,478,935	3,299,210
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		11,568,636	12,102,939
Real Estate Loans | Residential Core | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		405,267	1,667,029
Originated fiscal year before current fiscal year		1,519,804	3,169,609
Originated two years before current fiscal year		3,009,373	2,054,744
Originated three years before current fiscal year		1,901,677	1,342,854
Originated four years before current fiscal year		1,245,730	563,955
Originated five years before current fiscal year		3,458,502	3,275,978
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		11,540,353	12,074,169
Real Estate Loans | Residential Core | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		0	0
Originated fiscal year before current fiscal year		0	0
Originated two years before current fiscal year		0	612
Originated three years before current fiscal year		0	0
Originated four years before current fiscal year		0	106
Originated five years before current fiscal year		960	1,025
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		960	1,743
Real Estate Loans | Residential Core | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		182	185
Originated fiscal year before current fiscal year		1,540	823
Originated two years before current fiscal year		2,909	1,285
Originated three years before current fiscal year		1,009	1,806
Originated four years before current fiscal year		2,210	721
Originated five years before current fiscal year		19,473	22,207
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		27,323	27,027
Real Estate Loans | Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	[1]	0	0
Originated fiscal year before current fiscal year	[1]	0	0
Originated two years before current fiscal year	[1]	0	0
Originated three years before current fiscal year	[1]	0	0
Originated four years before current fiscal year	[1]	0	0
Originated five years before current fiscal year	[1]	41,936	46,030
Revolving loans, amortized cost basis	[1]	0	0
Revolving loans converted to term	[1]	0	0
Total	[1]	41,936	46,030
Real Estate Loans | Residential Home Today | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	[1]	0	0
Originated fiscal year before current fiscal year	[1]	0	0
Originated two years before current fiscal year	[1]	0	0
Originated three years before current fiscal year	[1]	0	0
Originated four years before current fiscal year	[1]	0	0
Originated five years before current fiscal year	[1]	37,234	40,335
Revolving loans, amortized cost basis	[1]	0	0
Revolving loans converted to term	[1]	0	0
Total	[1]	37,234	40,335
Real Estate Loans | Residential Home Today | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total		0	0
Real Estate Loans | Residential Home Today | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	[1]	0	0
Originated fiscal year before current fiscal year	[1]	0	0
Originated two years before current fiscal year	[1]	0	0
Originated three years before current fiscal year	[1]	0	0
Originated four years before current fiscal year	[1]	0	0
Originated five years before current fiscal year	[1]	4,702	5,695
Revolving loans, amortized cost basis	[1]	0	0
Revolving loans converted to term	[1]	0	0
Total	[1]	4,702	5,695
Real Estate Loans | Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		204,113	210,131
Originated fiscal year before current fiscal year		174,633	72,358
Originated two years before current fiscal year		61,547	24,129
Originated three years before current fiscal year		19,926	7,113
Originated four years before current fiscal year		5,643	6,224
Originated five years before current fiscal year		16,246	13,926
Revolving loans, amortized cost basis		3,086,802	2,664,707
Revolving loans converted to term		59,989	68,693
Total		3,628,899	3,067,281
Real Estate Loans | Home Equity Loans And Lines Of Credit | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		203,998	210,131
Originated fiscal year before current fiscal year		174,260	72,229
Originated two years before current fiscal year		61,206	23,989
Originated three years before current fiscal year		19,783	6,965
Originated four years before current fiscal year		5,598	6,192
Originated five years before current fiscal year		16,101	13,704
Revolving loans, amortized cost basis		3,077,039	2,657,028
Revolving loans converted to term		54,895	63,399
Total		3,612,880	3,053,637
Real Estate Loans | Home Equity Loans And Lines Of Credit | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		115	0
Originated fiscal year before current fiscal year		175	129
Originated two years before current fiscal year		129	0
Originated three years before current fiscal year		0	52
Originated four years before current fiscal year		0	32
Originated five years before current fiscal year		0	102
Revolving loans, amortized cost basis		3,919	2,830
Revolving loans converted to term		437	370
Total		4,775	3,515
Real Estate Loans | Home Equity Loans And Lines Of Credit | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		0	0
Originated fiscal year before current fiscal year		198	0
Originated two years before current fiscal year		212	140
Originated three years before current fiscal year		143	96
Originated four years before current fiscal year		45	0
Originated five years before current fiscal year		145	120
Revolving loans, amortized cost basis		5,844	4,849
Revolving loans converted to term		4,657	4,924
Total		11,244	10,129
Real Estate Loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Total		12,950	22,401
Real Estate Loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year		5,694	11,646
Originated fiscal year before current fiscal year		7,256	10,755
Originated two years before current fiscal year		0	0
Originated three years before current fiscal year		0	0
Originated four years before current fiscal year		0	0
Originated five years before current fiscal year		0	0
Revolving loans, amortized cost basis		0	0
Revolving loans converted to term		0	0
Total		$ 12,950	$ 22,401
[1]No new originations of Home Today loans since fiscal year 2016.

Loans And Allowance For Cred_10

Loans And Allowance For Credit Losses (Schedule of Gross Charge-Offs) (Details) - Real Estate Loans $ in Thousands	9 Months Ended
	Jun. 30, 2024 USD ($)
Financing Receivable, Credit Quality Indicator [Line Items]
Loans, Revolving, Writeoff	$ 369
Loans, Revolving, Converted to Term Loan	292
Loans, Allowance for Credit Loss, Writeoff	1,014
Loan Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff	298
Loan Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	18
Loan Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	26
Loan Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff	11
Residential Non Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Loans, Revolving, Writeoff	0
Loans, Revolving, Converted to Term Loan	0
Loans, Allowance for Credit Loss, Writeoff	216
Loan Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff	195
Loan Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	10
Loan Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff	11
Residential Home Today
Financing Receivable, Credit Quality Indicator [Line Items]
Loans, Revolving, Writeoff	0
Loans, Revolving, Converted to Term Loan	0
Loans, Allowance for Credit Loss, Writeoff	103
Loan Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff	103
Loan Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff	0
Home Equity Loans And Lines Of Credit
Financing Receivable, Credit Quality Indicator [Line Items]
Loans, Revolving, Writeoff	369
Loans, Revolving, Converted to Term Loan	292
Loans, Allowance for Credit Loss, Writeoff	695
Loan Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff	0
Loan Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	18
Loan Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	16
Loan Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0
Loan Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff	0
Construction/Permanent Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans, Allowance for Credit Loss, Writeoff	$ 0

Loans And Allowance For Cred_11

Loans And Allowance For Credit Losses (Schedule Of Loans Modified During The Period) (Details) - Real Estate Loans - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 1,519	$ 6,345
Modified Loans, to Total Financing Receivables, Percentage	0.01%	0.04%
Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 0	$ 0
Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	1,130	3,910
Other Loan Modification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	0	500
Extended Maturity and Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	151	1,302
Capitalize and Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	238	633
Residential Non Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 788	$ 4,551
Modified Loans, to Total Financing Receivables, Percentage	0.01%	0.04%
Residential Non Home Today | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 0	$ 0
Residential Non Home Today | Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	590	2,704
Residential Non Home Today | Other Loan Modification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	0	475
Residential Non Home Today | Extended Maturity and Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	16	843
Residential Non Home Today | Capitalize and Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	182	529
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 162	$ 550
Modified Loans, to Total Financing Receivables, Percentage	0.39%	1.31%
Residential Home Today | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 0	$ 0
Residential Home Today | Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	69	221
Residential Home Today | Other Loan Modification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	0	0
Residential Home Today | Extended Maturity and Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	37	225
Residential Home Today | Capitalize and Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	56	104
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 569	$ 1,244
Modified Loans, to Total Financing Receivables, Percentage	0.02%	0.03%
Home Equity Loans And Lines Of Credit | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 0	$ 0
Home Equity Loans And Lines Of Credit | Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	471	985
Home Equity Loans And Lines Of Credit | Other Loan Modification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	0	25
Home Equity Loans And Lines Of Credit | Extended Maturity and Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	98	234
Home Equity Loans And Lines Of Credit | Capitalize and Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	0	0
Construction/Permanent Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified Loans	$ 0	$ 0

Loans And Allowance For Cred_12

Loans And Allowance For Credit Losses (Schedule Of Financial Effect Of Loan Modifications) (Details) - Real Estate Loans	3 Months Ended	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Residential Non Home Today | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Term Increase from Modification	1 year 7 months 6 days	10 years 2 months 12 days
Home Equity Loans And Lines Of Credit | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Term Increase from Modification	7 years 3 months 18 days	10 years 7 months 6 days
Residential Home Today | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Term Increase from Modification	10 years 4 months 24 days	14 years 10 months 24 days
Minimum | Residential Non Home Today | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Interest Rate Decrease from Modification	3.39%	3.97%
Minimum | Home Equity Loans And Lines Of Credit | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Interest Rate Decrease from Modification	7.99%	6.46%
Minimum | Residential Home Today | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Interest Rate Decrease from Modification	5.63%	3.91%
Maximum | Residential Non Home Today | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Interest Rate Decrease from Modification	2%	2.07%
Maximum | Home Equity Loans And Lines Of Credit | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Interest Rate Decrease from Modification	3.50%	3.18%
Maximum | Residential Home Today | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, Weighted Average Interest Rate Decrease from Modification	2%	2%

Loans And Allowance For Cred_13

Loans And Allowance For Credit Losses (Schedule of Modifications Restructured Within The Last 12 Months Which Defaulted) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		$ 621		$ 677
Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 153		$ 247
Real Estate Loans | Extended Maturity and Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	14		14
Real Estate Loans | Other Loan Modification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Real Estate Loans | Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	139		233
Real Estate Loans | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Real Estate Loans | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Residential Non Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		456		456
Residential Non Home Today | Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	36		36
Residential Non Home Today | Real Estate Loans | Extended Maturity and Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	14		14
Residential Non Home Today | Real Estate Loans | Other Loan Modification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Residential Non Home Today | Real Estate Loans | Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	22		22
Residential Non Home Today | Real Estate Loans | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Residential Non Home Today | Real Estate Loans | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		108		164
Residential Home Today | Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	16		16
Residential Home Today | Real Estate Loans | Extended Maturity and Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Residential Home Today | Real Estate Loans | Other Loan Modification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Residential Home Today | Real Estate Loans | Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	16		16
Residential Home Today | Real Estate Loans | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Residential Home Today | Real Estate Loans | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		$ 57		$ 57
Home Equity Loans And Lines Of Credit | Real Estate Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	101		195
Home Equity Loans And Lines Of Credit | Real Estate Loans | Extended Maturity and Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Home Equity Loans And Lines Of Credit | Real Estate Loans | Other Loan Modification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Home Equity Loans And Lines Of Credit | Real Estate Loans | Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	101		195
Home Equity Loans And Lines Of Credit | Real Estate Loans | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0		0
Home Equity Loans And Lines Of Credit | Real Estate Loans | Contractual Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 0		$ 0

Loans And Allowance For Cred_14

Loans And Allowance For Credit Losses (Schedule of Performance of Loans Modified During the Period) (Details) - Real Estate Loans $ in Thousands	Jun. 30, 2024 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	$ 6,345
Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	3,172
30 to 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	415
60 to 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	755
Equal to Greater than 90 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	2,002
Financial Asset Not Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	3,173
Residential Non Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	4,551
Residential Non Home Today | Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	1,765
Residential Non Home Today | 30 to 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	76
Residential Non Home Today | 60 to 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	745
Residential Non Home Today | Equal to Greater than 90 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	944
Residential Non Home Today | Financial Asset Not Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	2,786
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	550
Residential Home Today | Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	277
Residential Home Today | 30 to 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	57
Residential Home Today | 60 to 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	10
Residential Home Today | Equal to Greater than 90 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	210
Residential Home Today | Financial Asset Not Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	273
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	1,244
Home Equity Loans And Lines Of Credit | Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	1,130
Home Equity Loans And Lines Of Credit | 30 to 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	282
Home Equity Loans And Lines Of Credit | 60 to 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	0
Home Equity Loans And Lines Of Credit | Equal to Greater than 90 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	848
Home Equity Loans And Lines Of Credit | Financial Asset Not Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans, Modified, after 12 Months	$ 114

Loans And Allowance For Cred_15

Loans And Allowance For Credit Losses (Schedule Of Recorded Investment In Troubled Debt Restructured Loans By Type Of Concession) (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	$ 99,450
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	58,999
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	28,304
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	12,147
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	53,853
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	28,546
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	15,730
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	9,577
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	21,195
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	9,390
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	10,114
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	1,691
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	24,402
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	21,063
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	2,460
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructuring, recorded investment	$ 879

Loans And Allowance For Cred_16

Loans And Allowance For Credit Losses (Summary Of Troubled Debt Restructured Loans Restructured During the Period By Type Of Concession) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Jun. 30, 2023	Jun. 30, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	$ 2,382	$ 6,504
Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	1,585	3,995
Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	693	1,824
Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	104	685
Residential Core
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	1,500	4,669
Residential Core | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	708	2,585
Residential Core | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	688	1,431
Residential Core | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	104	653
Residential Home Today
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	118	643
Residential Home Today | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	113	289
Residential Home Today | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	5	322
Residential Home Today | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	0	32
Home Equity Loans And Lines Of Credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	764	1,192
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	764	1,121
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	0	71
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled debt restructured loans restructured in the period	$ 0	$ 0

Loans And Allowance For Cred_17

Loans And Allowance For Credit Losses (Schedule Of Troubled Debt Restructured Loans Restructured Within The Last 12 Months Which Defaulted) (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($) contracts	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($) contracts
Financing Receivable, Loan Forbearance [Line Items]
Number of contracts | contracts		9		10
Amortized Cost		$ 621		$ 677
Troubled Debt Restructuring, Post Modification		2,382		6,504
Initial Restructuring
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		1,585		3,995
Multiple Restructurings
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		693		1,824
Bankruptcy
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		$ 104		$ 685
Real Estate Loans
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	$ 153		$ 247
Modified Loans	$ 1,519		$ 6,345
Modified Loans, to Total Financing Receivables, Percentage	0.01%		0.04%
Real Estate Loans | Contractual Interest Rate Reduction
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	$ 0		$ 0
Modified Loans	0		0
Real Estate Loans | Extended Maturity
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Real Estate Loans | Payment Deferral
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	139		233
Modified Loans	1,130		3,910
Real Estate Loans | Other Loan Modification
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Modified Loans	0		500
Real Estate Loans | Extended Maturity and Interest Rate Reduction
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	14		14
Modified Loans	151		1,302
Real Estate Loans | Capitalize and Extended Maturity
Financing Receivable, Loan Forbearance [Line Items]
Modified Loans	238		633
Residential Core
Financing Receivable, Loan Forbearance [Line Items]
Number of contracts | contracts		3		3
Amortized Cost		$ 456		$ 456
Troubled Debt Restructuring, Post Modification		1,500		4,669
Residential Core | Initial Restructuring
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		708		2,585
Residential Core | Multiple Restructurings
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		688		1,431
Residential Core | Bankruptcy
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		$ 104		$ 653
Residential Core | Real Estate Loans
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	36		36
Modified Loans	$ 788		$ 4,551
Modified Loans, to Total Financing Receivables, Percentage	0.01%		0.04%
Residential Core | Real Estate Loans | Contractual Interest Rate Reduction
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	$ 0		$ 0
Modified Loans	0		0
Residential Core | Real Estate Loans | Extended Maturity
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Residential Core | Real Estate Loans | Payment Deferral
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	22		22
Modified Loans	590		2,704
Residential Core | Real Estate Loans | Other Loan Modification
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Modified Loans	0		475
Residential Core | Real Estate Loans | Extended Maturity and Interest Rate Reduction
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	14		14
Modified Loans	16		843
Residential Core | Real Estate Loans | Capitalize and Extended Maturity
Financing Receivable, Loan Forbearance [Line Items]
Modified Loans	182		529
Residential Home Today
Financing Receivable, Loan Forbearance [Line Items]
Number of contracts | contracts		5		6
Amortized Cost		$ 108		$ 164
Troubled Debt Restructuring, Post Modification		118		643
Residential Home Today | Initial Restructuring
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		113		289
Residential Home Today | Multiple Restructurings
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		5		322
Residential Home Today | Bankruptcy
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		$ 0		$ 32
Residential Home Today | Real Estate Loans
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	16		16
Modified Loans	$ 162		$ 550
Modified Loans, to Total Financing Receivables, Percentage	0.39%		1.31%
Residential Home Today | Real Estate Loans | Contractual Interest Rate Reduction
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	$ 0		$ 0
Modified Loans	0		0
Residential Home Today | Real Estate Loans | Extended Maturity
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Residential Home Today | Real Estate Loans | Payment Deferral
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	16		16
Modified Loans	69		221
Residential Home Today | Real Estate Loans | Other Loan Modification
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Modified Loans	0		0
Residential Home Today | Real Estate Loans | Extended Maturity and Interest Rate Reduction
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Modified Loans	37		225
Residential Home Today | Real Estate Loans | Capitalize and Extended Maturity
Financing Receivable, Loan Forbearance [Line Items]
Modified Loans	56		104
Home Equity Loans And Lines Of Credit
Financing Receivable, Loan Forbearance [Line Items]
Number of contracts | contracts		1		1
Amortized Cost		$ 57		$ 57
Troubled Debt Restructuring, Post Modification		764		1,192
Home Equity Loans And Lines Of Credit | Initial Restructuring
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		764		1,121
Home Equity Loans And Lines Of Credit | Multiple Restructurings
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		0		71
Home Equity Loans And Lines Of Credit | Bankruptcy
Financing Receivable, Loan Forbearance [Line Items]
Troubled Debt Restructuring, Post Modification		$ 0		$ 0
Home Equity Loans And Lines Of Credit | Real Estate Loans
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	101		195
Modified Loans	$ 569		$ 1,244
Modified Loans, to Total Financing Receivables, Percentage	0.02%		0.03%
Home Equity Loans And Lines Of Credit | Real Estate Loans | Contractual Interest Rate Reduction
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	$ 0		$ 0
Modified Loans	0		0
Home Equity Loans And Lines Of Credit | Real Estate Loans | Extended Maturity
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Home Equity Loans And Lines Of Credit | Real Estate Loans | Payment Deferral
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	101		195
Modified Loans	471		985
Home Equity Loans And Lines Of Credit | Real Estate Loans | Other Loan Modification
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Modified Loans	0		25
Home Equity Loans And Lines Of Credit | Real Estate Loans | Extended Maturity and Interest Rate Reduction
Financing Receivable, Loan Forbearance [Line Items]
Amortized Cost	0		0
Modified Loans	98		234
Home Equity Loans And Lines Of Credit | Real Estate Loans | Capitalize and Extended Maturity
Financing Receivable, Loan Forbearance [Line Items]
Modified Loans	$ 0		$ 0

Deposits (Summary Of Deposit Ac

Deposits (Summary Of Deposit Account Balances) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Deposits [Abstract]
Checking accounts	$ 865,440	$ 983,396
Savings accounts, excluding money market accounts	1,186,606	1,460,601
Money market accounts	208,407	346,479
Certificates of deposit	7,743,775	6,648,982
Subtotal deposits	10,004,228	9,439,458
Accrued interest	21,749	10,362
Total deposits	$ 10,025,977	$ 9,449,820

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Deposits Liability [Line Items]
CDs in denominations of more than $250	$ 1,187,325	$ 845,375
Certificates of Deposit
Deposits Liability [Line Items]
Brokered certificates of deposits	$ 1,215,284	$ 1,162,601

Borrowed Funds (Schedule of Bor

Borrowed Funds (Schedule of Borrowings) (Details) $ in Thousands	Jun. 30, 2024 USD ($)
Line of Credit Facility [Line Items]
Borrowing Capacity	$ 8,575,012
Borrowings Available	3,767,918
Borrowings Outstanding	4,807,094
Accrued Interest	22,271
Total	4,829,365
FRB-Cleveland
Line of Credit Facility [Line Items]
Borrowing Capacity	645,962
Borrowings Available	645,962
Borrowings Outstanding	0
Federal Funds Purchased
Line of Credit Facility [Line Items]
Borrowing Capacity	445,000
Borrowings Available	445,000
Borrowings Outstanding	0
Federal Home Loan Bank of Cincinnati
Line of Credit Facility [Line Items]
Borrowing Capacity	7,484,050
Borrowings Available	2,676,956
Borrowings Outstanding	$ 4,807,094

Borrowed Funds (Schedule of Fed

Borrowed Funds (Schedule of Federal Home Loan Bank Advances (FHLB) Borrowings) (Details) $ in Thousands	Jun. 30, 2024 USD ($)
Debt Disclosure [Abstract]
12 months or less	$ 975,000
13 to 24 months	975,373
25 to 36 months	850,000
37 to 48 months	751,752
49 to 60 months	476,213
Over 60 months	778,756
Accrued Interest	22,271
Total	$ 4,829,365
Weighted Average Rate: 12 months or less	2.43%
Weighted Average Rate: 13 to 24 months	2.97%
Weighted Average Rate: 25 to 36 months	3.03%
Weighted Average Rate: 37 to 48 months	3.76%
Weighted Average Rate: 49 to 60 months	3.54%
Weighted Average Rate: Over 60 months	3.37%
Weighted Average Rate Total FHLB Advances	3.12%
Line of Credit Facility [Line Items]
Borrowing Capacity	$ 8,575,012
Borrowings Available	3,767,918
Total Advances	4,807,094
Accrued Interest	22,271
Total	4,829,365
FRB-Cleveland
Line of Credit Facility [Line Items]
Borrowing Capacity	645,962
Borrowings Available	645,962
Total Advances	0
Federal Funds Purchased
Line of Credit Facility [Line Items]
Borrowing Capacity	445,000
Borrowings Available	445,000
Total Advances	0
Federal Home Loan Bank of Cincinnati
Line of Credit Facility [Line Items]
Borrowing Capacity	7,484,050
Borrowings Available	2,676,956
Total Advances	$ 4,807,094

Borrowed Funds (Narrative) (Fed

Borrowed Funds (Narrative) (Federal Home Loan Bank Advances) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Federal Home Loan Bank Advances, Branch of FHLB Bank [Line Items]
Interest expense	$ 115,633	$ 87,878	$ 335,815	$ 229,975
Federal Home Loan Bank Advances
Federal Home Loan Bank Advances, Branch of FHLB Bank [Line Items]
Interest expense	$ 25,098	$ 29,406	$ 81,137	$ 82,681

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Accumulated Other Comprehensive Income (Loss) by Component) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	$ 1,907,497	$ 1,834,476	$ 1,927,361	$ 1,844,339
Other comprehensive income (loss)	196	46,284	(42,598)	27,836
Balance	1,915,064	1,886,124	1,915,064	1,886,124
Other Comprehensive Income (Loss), Tax	5,277	4,142	15,889	14,184
Unrealized gain (losses) on securities available for sale
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(32,107)	(31,687)	(41,173)	(33,899)
Other comprehensive loss before reclassifications, net of tax	42	(6,127)	9,108	(3,915)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	0	0	0	0
Other comprehensive income (loss)	42	(6,127)	9,108	(3,915)
Balance	(32,065)	(37,814)	(32,065)	(37,814)
Other Comprehensive Income (Loss), Tax	12	(1,803)	2,703	(1,330)
Cash Flow Hedges
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	83,044	47,831	135,532	68,883
Other comprehensive loss before reclassifications, net of tax	16,525	65,980	(663)	59,763
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(16,476)	(13,765)	(51,776)	(28,600)
Other comprehensive income (loss)	49	52,215	(52,439)	31,163
Balance	83,093	100,046	83,093	100,046
Other Comprehensive Income (Loss), Tax	14	15,368	(15,572)	9,535
Cash Flow Hedges | Reclassification out of Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income (Loss), Tax	(4,893)	(4,052)	(15,376)	(8,392)
Defined Benefit Plan
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(8,519)	(11,443)	(9,147)	(11,835)
Other comprehensive loss before reclassifications, net of tax	0	0	418	0
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	105	196	315	588
Other comprehensive income (loss)	105	196	733	588
Balance	(8,414)	(11,247)	(8,414)	(11,247)
Other Comprehensive Income (Loss), Tax	31	59	221	177
Defined Benefit Plan | Reclassification out of Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income (Loss), Tax	31	59	95	177
Total
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	42,418	4,701	85,212	23,149
Other comprehensive loss before reclassifications, net of tax	16,567	59,853	8,863	55,848
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(16,371)	(13,569)	(51,461)	(28,012)
Other comprehensive income (loss)	196	46,284	(42,598)	27,836
Balance	42,614	50,985	42,614	50,985
Other Comprehensive Income (Loss), Tax	$ 57	$ 13,624	$ (12,648)	$ 8,382

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Reclassification out of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024		Jun. 30, 2023
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect	$ (5,277)	$ (4,142)	$ (15,889)		$ (14,184)
Net of income tax expense	19,610	17,215	60,283		54,540
Reclassification out of Accumulated Other Comprehensive Income
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Total reclassifications for the period	(16,371)	(13,569)	(51,461)		(28,012)
Reclassification out of Accumulated Other Comprehensive Income | Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect	4,893	4,052	15,376		8,392
Net of income tax expense	(16,476)	(13,765)	(51,776)		(28,600)
Reclassification out of Accumulated Other Comprehensive Income | Actuarial Loss
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Nonoperating Income (Expense)	136	255	410	[1]	765	[1]
Reclassification out of Accumulated Other Comprehensive Income | Defined Benefit Plan
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Net income tax effect	(31)	(59)	(95)		(177)
Net of income tax expense	105	196	315		588
Interest Rate Contract | Reclassification out of Accumulated Other Comprehensive Income | Cash Flow Hedges
Reclassification out of Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest (income) expense, effective portion	$ (21,369)	$ (17,817)	$ (67,152)		$ (36,992)
[1]This item is included in the computation of net periodic pension cost. See Note 9. DEFINED BENEFIT PLAN for additional disclosure.

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details)	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Income Tax Disclosure [Abstract]
Combined federal and state effective income tax rate	20.60%	20.30%

Defined Benefit Plan (Component

Defined Benefit Plan (Components Of Net Periodic Benefit Cost Recognized) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Retirement Benefits [Abstract]
Interest cost	$ 827	$ 831	$ 2,480	$ 2,493
Expected return on plan assets	(995)	(968)	(2,986)	(2,904)
Amortization of net loss	136	255	410	765
Net periodic (benefit) cost	$ (32)	$ 118	$ (96)	$ 354

Defined Benefit Plan (Narrative

Defined Benefit Plan (Narrative) (Details) $ in Thousands	9 Months Ended
	Jun. 30, 2024 USD ($)
Retirement Benefits [Abstract]
Required minimum contribution	$ 0
Minimum employer contributions expected during the remainder of the fiscal year.	$ 0

Equity Incentive Plan (Narrativ

Equity Incentive Plan (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended	9 Months Ended
	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares subject to options (in shares)		2,231,475	2,231,475
Weighted average exercise price per share		$ 15.39	$ 15.39
Weighted average grant date fair value (in dollars per share)			$ 2.29
Options to purchase shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected future expense related to non-vested options outstanding, weighted average years	2 years 3 months 18 days
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross		247,200
Expected future expense related to non-vested options outstanding		$ 248	$ 248
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock and performance stock units, non-vested		373,945	373,945
Restricted stock and performance stock units, non-vested, weighted average grant date fair value (in dollars per share)		$ 13.78	$ 13.78
Restricted stock units and performance stock units outstanding		1,139,693	1,139,693
Expected future compensation expense related to restricted stock and performance stock units outstanding		$ 3,395	$ 3,395
Expected future expense related to non-vested options outstanding, weighted average years	2 years 2 months 12 days
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period		231,750
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance shares earned and added to those granted			2,655
Restricted stock and performance stock units, non-vested		213,445	213,445
Restricted stock and performance stock units, non-vested, weighted average grant date fair value (in dollars per share)		$ 14.45	$ 14.45
Restricted stock units and performance stock units outstanding		213,445	213,445
Expected future compensation expense related to restricted stock and performance stock units outstanding		$ 1,230	$ 1,230
Expected future expense related to non-vested options outstanding, weighted average years	1 year 9 months 18 days
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period		61,000

Equity Incentive Plan Equity _2

Equity Incentive Plan Equity Incentive Plan (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	$ 840	$ 1,065	$ 2,926	$ 3,284
Options to purchase shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	31	0	54	0
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	584	802	2,216	2,550
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based Compensation Expense	$ 225	$ 263	$ 656	$ 734

Commitments And Contingent Li_3

Commitments And Contingent Liabilities (Narrative) (Details) - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2024	Sep. 30, 2023
Minimum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration of commitments to extend credit (in days)	60 days
Maximum
Unfunded And Commitments To Originate [Line Items]
Fixed expiration of commitments to extend credit (in days)	360 days
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)	$ 5,138,353
Loan Sale Commitments | Residential Mortgage
Unfunded And Commitments To Originate [Line Items]
Contractual Obligation	47,238	$ 2,094
Unfunded Loan Commitment
Unfunded And Commitments To Originate [Line Items]
Unfunded commitments on home equity lines of credit (including commitments for suspended accounts)	5,119,242
Unfunded Loan Commitment | Home Equity Line of Credit
Unfunded And Commitments To Originate [Line Items]
Unfunded commitments on home equity lines of credit (including commitments for suspended accounts)	$ 5,105,164
Unfunded Loan Commitment | Home Equity Line of Credit | Maximum
Unfunded And Commitments To Originate [Line Items]
Home equity unfunded commitments expiration period, years	10 years
Loan Purchase Commitments | Residential Mortgage
Unfunded And Commitments To Originate [Line Items]
Contractual Obligation	$ 36,606	$ 51,275

Commitments And Contingent Li_4

Commitments And Contingent Liabilities (Schedule of Off Balance Sheet Risks) (Details) $ in Thousands	Jun. 30, 2024 USD ($)
Commitments To Originate
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	$ 348,767
Total Allowance	3,673
Commitments To Originate | Fixed Rate Residential Mortgage
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	101,997
Total Allowance	491
Commitments To Originate | Adjustable Rate Residential Mortgage
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	15,880
Total Allowance	81
Commitments To Originate | Home Equity Loans And Lines Of Credit
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	230,890
Total Allowance	3,101
Unfunded Loan Commitment
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	5,119,242
Total Allowance	24,490
Unfunded Loan Commitment | Home Equity Line of Credit
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	5,105,164
Total Allowance	24,413
Unfunded Loan Commitment | Construction
Commitments And Contingencies Off-balance Sheet Risks, Disclosure Information [Line Items]
Total Commitments	14,078
Total Allowance	$ 77

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	$ 30,391		$ 30,391		$ 3,260
Net gain on the sale of loans	723	$ 21	1,646	$ 617
Investments securities available-for-sale	522,967		522,967		508,324
Real estate owned	431		431		1,444
Cost to dispose related to properties measured at fair value included in Consolidated Statements of Condition	82		$ 82		163
Derivatives, Determination of Fair Value			Derivatives qualifying as cash flow hedges are settled daily
Interest Rate Swap | Cash Flow Hedge | Designated as Hedging Instrument
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0		$ 0
Subject To Pending Agency Contracts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, gross	19,038		19,038		0
Mortgage loans held for sale	19,308		19,308		0
Net gain on the sale of loans	94	$ 0	162	$ 0
Original Or Adjusted Cost Basis | Portion at Other than Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real estate owned	0		0		194
Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	30,391		30,391		3,260
Investments securities available-for-sale	522,967		522,967		508,324
Fair Value, Inputs, Level 2 | Market Approach Valuation Technique | Loans Held-For-Sale Reported at Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	30,391		30,391		3,260
Fair Value, Inputs, Level 2 | Valuation, Cost Approach
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	0		0		0
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	0		0		0
Investments securities available-for-sale	0		0		0
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	19,308		19,308
Fair Value, Measurements, Recurring | Fair Value, Inputs, Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	19,308		19,308
Fair Value, Measurements, Recurring | Fair Value, Inputs, Level 2 | Market Approach Valuation Technique | U.S. Government Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investments securities available-for-sale	522,967		522,967		508,324
Fair Value, Measurements, Recurring | Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	0		0
Fair Value, Measurements, Nonrecurring | Fair Value, Inputs, Level 3 | Cost Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real estate owned	$ 513		$ 513		$ 1,413

Fair Value (Fair Value Of Asset

Fair Value (Fair Value Of Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Assets:
Investments securities available-for-sale	$ 522,967	$ 508,324
Mortgage loans held for sale	30,391	3,260
Derivative	512	11
Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	8	1
REMIC's
Assets:
Investments securities available-for-sale	446,662	443,007
Fannie Mae Certificates
Assets:
Investments securities available-for-sale	2,895	814
Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets:
Investments securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Derivative	0	0
Quoted Prices In Active Markets For Identical Assets (Level 1) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	0	0
Significant Other Observable Inputs (Level 2)
Assets:
Investments securities available-for-sale	522,967	508,324
Mortgage loans held for sale	30,391	3,260
Derivative	0	11
Significant Other Observable Inputs (Level 2) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	8	0
Significant Unobservable Inputs (Level 3)
Assets:
Investments securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Derivative	512	0
Significant Unobservable Inputs (Level 3) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	0	1
Fair Value, Measurements, Recurring
Assets:
Mortgage loans held for sale	19,308
Total	542,787	508,335
Financial Liabilities Fair Value Disclosure	8	1
Fair Value, Measurements, Recurring | Interest Rate Lock Commitments
Assets:
Derivative Liability		$ 1
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	8
Fair Value, Measurements, Recurring | Interest Rate Lock Commitments
Assets:
Derivative	512
Fair Value, Measurements, Recurring | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative		$ 11
Fair Value, Measurements, Recurring | REMIC's
Assets:
Investments securities available-for-sale	446,662	443,007
Fair Value, Measurements, Recurring | Fannie Mae Certificates
Assets:
Investments securities available-for-sale	2,895	814
Fair Value, Measurements, Recurring | Freddie Mac Securities
Assets:
Investments securities available-for-sale	1,085	1,044
Fair Value, Measurements, Recurring | US Treasury Notes Securities
Assets:
Investments securities available-for-sale	72,325	63,459
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1)
Assets:
Mortgage loans held for sale	0
Total	0	0
Financial Liabilities Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Assets:
Derivative Liability		$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Interest Rate Lock Commitments
Assets:
Derivative	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative		$ 0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | REMIC's
Assets:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Fannie Mae Certificates
Assets:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | Freddie Mac Securities
Assets:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices In Active Markets For Identical Assets (Level 1) | US Treasury Notes Securities
Assets:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Assets:
Mortgage loans held for sale	19,308
Total	542,275	508,335
Financial Liabilities Fair Value Disclosure	8	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Assets:
Derivative Liability		$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	8
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Lock Commitments
Assets:
Derivative	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative		$ 11
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | REMIC's
Assets:
Investments securities available-for-sale	446,662	443,007
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Fannie Mae Certificates
Assets:
Investments securities available-for-sale	2,895	814
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Freddie Mac Securities
Assets:
Investments securities available-for-sale	1,085	1,044
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | US Treasury Notes Securities
Assets:
Investments securities available-for-sale	72,325	63,459
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Assets:
Mortgage loans held for sale	0
Total	512	0
Financial Liabilities Fair Value Disclosure	0	1
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Assets:
Derivative Liability		$ 1
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Accrued expenses and other liabilities
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative Liability	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Lock Commitments
Assets:
Derivative	512
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Forward Commitments For Sale Of Mortgage Loans
Assets:
Derivative		$ 0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | REMIC's
Assets:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fannie Mae Certificates
Assets:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Freddie Mac Securities
Assets:
Investments securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | US Treasury Notes Securities
Assets:
Investments securities available-for-sale	$ 0	$ 0

Fair Value (Fair Value Assets A

Fair Value (Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input Reconciliation) (Details) - Fair Value, Inputs, Level 3 - Interest Rate Lock Commitments - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Abstract]
Beginning Balance	$ 358	$ (23)	$ (1)	$ (333)
Included in other non-interest income	$ 154	$ (24)	$ 513	$ 286
Fair Value, Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Ending Balance	$ 512	$ (47)	$ 512	$ (47)
Change in unrealized gains for the period included in earnings for assets held at end of the reporting date	$ 512	$ (47)	$ 512	$ (47)
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	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	Jun. 30, 2024	Sep. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	$ 50,119	$ 42,962
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
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	11,083	3,260
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	39,036	39,702
Collateral Dependent Loans, Net Of Allowance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	38,523	38,289
Collateral Dependent Loans, Net Of Allowance | 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
Collateral Dependent Loans, Net Of Allowance | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Collateral Dependent Loans, Net Of Allowance | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	38,523	38,289
Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	513	1,413
Real Estate Owned | 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
Real Estate Owned | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Real Estate Owned | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	513	1,413
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	11,083	3,260
Mortgage loans held for sale | 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
Mortgage loans held for sale | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	11,083	3,260
Mortgage loans held for sale | Significant Unobservable Inputs (Level 3)
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) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset, Fair Value	$ 512	$ 11
Fair Value, Inputs, Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset, Fair Value	512	0
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Secondary Market Pricing | Measurement Input, Closure Rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Liability		$ (1)
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Secondary Market Pricing | Measurement Input, Closure Rate | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments		0
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Secondary Market Pricing | Measurement Input, Closure Rate | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments		1
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Secondary Market Pricing | Measurement Input, Closure Rate | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, interest rate lock commitments		0.995
Fair Value, Inputs, Level 3 | Collateral Dependent Loans, Net Of Allowance | Collateral Value | Measurement Input, Discounted Appraised Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset, Fair Value	$ 38,523	$ 38,289
Fair Value, Inputs, Level 3 | Collateral Dependent Loans, Net Of Allowance | Collateral Value | Measurement Input, Discounted Appraised Value | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, collateral dependent loans, net of allowance	0%	0%
Fair Value, Inputs, Level 3 | Collateral Dependent Loans, Net Of Allowance | Collateral Value | Measurement Input, Discounted Appraised Value | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, collateral dependent loans, net of allowance	28%	30%
Fair Value, Inputs, Level 3 | Collateral Dependent Loans, Net Of Allowance | Collateral Value | Measurement Input, Discounted Appraised Value | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input, collateral dependent loans, net of allowance	4.40%	4.80%
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Secondary Market Pricing | Measurement Input, Closure Rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset, Fair Value	$ 512
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Secondary Market Pricing | Measurement Input, Closure Rate | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset, Measurement Input	0
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Secondary Market Pricing | Measurement Input, Closure Rate | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset, Measurement Input	1
Fair Value, Inputs, Level 3 | Interest Rate Lock Commitments | Secondary Market Pricing | Measurement Input, Closure Rate | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Asset, Measurement Input	0.970

Fair Value (Estimated Fair Valu

Fair Value (Estimated Fair Value Of Financial Instruments) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Carrying Amount
Assets:
Investments securities available-for-sale	$ 522,967	$ 508,324
Mortgage loans held for sale	30,391	3,260
Federal Home Loan Bank stock	232,083	247,098
Cash collateral received from or held by counterparty	1,727	24,887
Derivative	512	11
Liabilities:
Borrowed funds	4,829,365	5,273,637
Carrying Amount | Checking Accounts
Liabilities:
Deposits	2,260,453	2,790,476
Carrying Amount | Certificates of Deposit
Liabilities:
Deposits	7,765,524	6,659,344
Carrying Amount | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	66,757	124,417
Carrying Amount | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	16,867	29,811
Carrying Amount | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	8	1
Carrying Amount | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	29,411	29,134
Carrying Amount | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	531,024	437,612
Carrying Amount | Total real estate loans
Assets:
Loans, net	15,184,892	15,161,336
Carrying Amount | Other Loans
Assets:
Loans, net	5,070	4,411
Carrying Amount | Accrued Interest Receivable
Assets:
Accrued interest receivable	58,615	53,910
Investments securities available-for-sale	522,967	508,324
Mortgage loans held for sale	30,391	3,260
Federal Home Loan Bank stock	232,083	247,098
Cash collateral received from or held by counterparty	1,727	24,887
Derivative	512	11
Liabilities:
Borrowed funds	4,818,935	5,256,278
Checking Accounts
Liabilities:
Deposits	2,260,453	2,790,476
Certificates of Deposit
Liabilities:
Deposits	7,664,405	6,571,674
Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	66,757	124,417
Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	16,867	29,811
Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	8	1
Cash and Due From Banks
Assets:
Cash and Cash Equivalents	29,411	29,134
Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	531,024	437,612
Total real estate loans
Assets:
Loans, net	13,645,473	13,262,711
Other Loans
Assets:
Loans, net	5,070	4,411
Accrued Interest Receivable
Assets:
Accrued interest receivable	58,615	53,910
Fair Value, Inputs, Level 1
Assets:
Investments securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Cash collateral received from or held by counterparty	1,727	24,887
Derivative	0	0
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 1 | Checking Accounts
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 1 | Certificates of Deposit
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 1 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 1 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 1 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	0	0
Fair Value, Inputs, Level 1 | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	29,411	29,134
Fair Value, Inputs, Level 1 | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	531,024	437,612
Fair Value, Inputs, Level 1 | Total real estate loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Other Loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 1 | Accrued Interest Receivable
Assets:
Accrued interest receivable	0	0
Fair Value, Inputs, Level 2
Assets:
Investments securities available-for-sale	522,967	508,324
Mortgage loans held for sale	30,391	3,260
Federal Home Loan Bank stock	0	0
Cash collateral received from or held by counterparty	0	0
Derivative	0	11
Liabilities:
Borrowed funds	4,818,935	5,256,278
Fair Value, Inputs, Level 2 | Checking Accounts
Liabilities:
Deposits	2,260,453	2,790,476
Fair Value, Inputs, Level 2 | Certificates of Deposit
Liabilities:
Deposits	7,664,405	6,571,674
Fair Value, Inputs, Level 2 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	66,757	124,417
Fair Value, Inputs, Level 2 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	16,867	29,811
Fair Value, Inputs, Level 2 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	8	0
Fair Value, Inputs, Level 2 | Cash and Due From Banks
Assets:
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 2 | Interest Earning Cash Equivalents
Assets:
Cash and Cash Equivalents	0	0
Fair Value, Inputs, Level 2 | Total real estate loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Other Loans
Assets:
Loans, net	0	0
Fair Value, Inputs, Level 2 | Accrued Interest Receivable
Assets:
Accrued interest receivable	58,615	53,910
Fair Value, Inputs, Level 3
Assets:
Investments securities available-for-sale	0	0
Mortgage loans held for sale	0	0
Federal Home Loan Bank stock	0	0
Cash collateral received from or held by counterparty	0	0
Derivative	512	0
Liabilities:
Borrowed funds	0	0
Fair Value, Inputs, Level 3 | Checking Accounts
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 3 | Certificates of Deposit
Liabilities:
Deposits	0	0
Fair Value, Inputs, Level 3 | Borrowers' Advances for insurance and Taxes
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 3 | Principal, Interest, And Escrow Owed On Loans Serviced
Liabilities:
Other Liabilities	0	0
Fair Value, Inputs, Level 3 | Forward Commitments For Sale Of Mortgage Loans
Liabilities:
Derivative Liability	0	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 | Total real estate loans
Assets:
Loans, net	13,645,473	13,262,711
Fair Value, Inputs, Level 3 | Other Loans
Assets:
Loans, net	5,070	4,411
Fair Value, Inputs, Level 3 | Accrued Interest Receivable
Assets:
Accrued interest receivable	$ 0	$ 0

Derivative Instruments (Narrati

Derivative Instruments (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Carrying Amount
Derivative [Line Items]
Cash collateral received from or held by counterparty	$ 1,727	$ 24,887
Investments securities available-for-sale	522,967	508,324
Estimated amount in AOCI to be reclassed in the next 12 months as a reduction to expense	65,251
Cash collateral received from or held by counterparty	1,727	24,887
Investments securities available-for-sale	522,967	508,324
U.S. government and agency obligations
Derivative [Line Items]
Investments securities available-for-sale	72,325	63,459
U.S. government and agency obligations | Asset Pledged as Collateral | Margin requirement
Derivative [Line Items]
Investments securities available-for-sale	$ 68,581	$ 59,813

Derivative Instruments (Schedul

Derivative Instruments (Schedule Of Derivative Instruments In Statement Of Financial Position, Fair Value) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Jun. 30, 2024	Sep. 30, 2023
Designated as Hedging Instrument | Cash Flow Hedge | Interest Rate Swap
Derivatives, Fair Value [Line Items]
Notional Amount	$ 3,725,000	$ 3,815,000
Derivative, Fair Value, Net	$ 0	$ 0
Swap weighted average terms	3 years 4 months 24 days	3 years 8 months 12 days
Swap weighted average interest rate	3.04%	2.91%
Designated as Hedging Instrument | Cash Flow Hedge | Interest Rate Swap | Other Assets
Derivatives, Fair Value [Line Items]
Notional Amount	$ 3,640,000	$ 3,815,000
Derivative, Fair Value, Net	$ 0	$ 0
Swap weighted average terms	3 years 4 months 24 days	3 years 8 months 12 days
Swap weighted average interest rate	3%	2.91%
Designated as Hedging Instrument | Cash Flow Hedge | Interest Rate Swap | Other Liabilities
Derivatives, Fair Value [Line Items]
Notional Amount	$ 85,000
Derivative, Fair Value, Net	$ 0
Swap weighted average terms	2 years 7 months 6 days
Swap weighted average interest rate	4.66%
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Notional Amount	$ 75,248	$ 3,924
Derivative, Fair Value, Net	504	10
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Assets
Derivatives, Fair Value [Line Items]
Notional Amount	28,010	0
Derivative, Fair Value, Net	512	0
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Liabilities
Derivatives, Fair Value [Line Items]
Notional Amount	0	1,830
Derivative, Fair Value, Net	0	(1)
Not Designated as Hedging Instrument | Forward Commitments For Sale Of Mortgage Loans | Other Assets
Derivatives, Fair Value [Line Items]
Notional Amount	0	2,094
Derivative, Fair Value, Net	0	11
Not Designated as Hedging Instrument | Forward Commitments For Sale Of Mortgage Loans | Other Liabilities
Derivatives, Fair Value [Line Items]
Notional Amount	47,238	0
Derivative, Fair Value, Net	$ (8)	$ 0

Derivative Instruments (Sched_2

Derivative Instruments (Schedule Of Effect Of Derivative Instruments, Gain (Loss) In Statement Of Financial Performance) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Designated as Hedging Instrument | Cash Flow Hedge
Derivatives, Fair Value [Line Items]
Amount of gain/(loss) reclassified from AOCI	$ 21,369	$ 17,817	$ 67,152	$ 36,992
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Expense, Borrowings	Interest Expense, Borrowings	Interest Expense, Borrowings	Interest Expense, Borrowings
Designated as Hedging Instrument | Cash Flow Hedge | Other Comprehensive Income (Loss)
Derivatives, Fair Value [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	$ 21,433	$ 85,399	$ (858)	$ 77,689
Not Designated as Hedging Instrument | Interest Rate Lock Commitments
Derivatives, Fair Value [Line Items]
Total	$ 154	$ (24)	$ 513	$ 286
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	Noninterest Income, Other Operating Income
Not Designated as Hedging Instrument | Forward Commitments For Sale Of Mortgage Loans
Derivatives, Fair Value [Line Items]
Total	$ 132	$ 84	$ (19)	$ 8
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	Net gain on the sale of loans