ESSA Bancorp (ESSA) 10-K 13 Dec 24 2024 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Sep. 30, 2024	Dec. 11, 2024	Mar. 31, 2024
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Sep. 30, 2024
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Trading Symbol	ESSA
Entity Registrant Name	ESSA Bancorp, Inc.
Entity Central Index Key	0001382230
Current Fiscal Year End Date	--09-30
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		18,133,095
Entity Public Float			$ 170,886,106
Entity File Number	001-33384
Entity Tax Identification Number	20-8023072
Entity Address, Address Line One	200 Palmer Street
Entity Address, City or Town	Stroudsburg
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	18360
City Area Code	855
Local Phone Number	713-8001
Entity Interactive Data Current	Yes
Entity Incorporation, State or Country Code	PA
Title of 12(b) Security	Common Stock, $0.01 par value
Security Exchange Name	NASDAQ
Document Annual Report	true
Document Transition Report	false
ICFR Auditor Attestation Flag	false
Document Financial Statement Error Correction [Flag]	false
Auditor Name	S.R. Snodgrass, P.C.
Auditor Location	Conshohocken, Pennsylvania
Auditor Firm ID	74
Auditor Opinion	Opinion on the Financial Statements We have audited the accompanying consolidated balance sheet of ESSA Bancorp, Inc. and subsidiary (the “Company”) as of September 30, 2024 and 2023; the related consolidated statement of income, comprehensive income, changes in stockholders’ equity, and cash flows for the years then ended; and the related notes to the consolidated financial statements ( collectively, the financial statements). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of September 30, 2024 and 2023, and the results of its operations and its cash flows for the years then ended, in conformity with accounting principles generally accepted in the United States of America.
Documents Incorporated by Reference	• Proxy Statement for the 2024 Annual Meeting of Stockholders of the Registrant (Part III).

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($)	Sep. 30, 2024	Sep. 30, 2023
ASSETS
Cash and due from banks	$ 38,683,000	$ 39,008,000
Interest-bearing deposits with other institutions	9,897,000	46,394,000
Total cash and cash equivalents	48,580,000	85,402,000
Investment securities available for sale, at fair value (net of allowance for credit losses of $0)	215,869,000	334,056,000
Investment securities held to maturity, at amortized cost (net of allowance for credit losses of $0)	47,378,000	52,242,000
Loans receivable (net of allowance for credit losses of $15,306 and $18,525)	1,744,284,000	1,680,525,000
Loans held for sale		250,000
Regulatory stock, at cost	18,750,000	17,890,000
Premises and equipment, net	11,253,000	12,913,000
Bank-owned life insurance	39,571,000	39,026,000
Foreclosed real estate	3,195,000	3,311,000
Intangible assets, net		91,000
Goodwill	13,801,000	13,801,000
Deferred income taxes	3,889,000	6,877,000
Derivative and hedging assets	8,203,000	19,662,000
Other assets	32,944,000	27,200,000
TOTAL ASSETS	2,187,717,000	2,293,246,000
LIABILITIES
Deposits	1,629,051,000	1,661,016,000
Short-term borrowings	280,000,000	374,652,000
Other borrowings	10,000,000	0
Advances by borrowers for taxes and insurance	6,870,000	6,550,000
Derivative and hedging liabilities	9,183,000	9,579,000
Other liabilities	22,192,000	21,741,000
TOTAL LIABILITIES	1,957,296,000	2,073,538,000
STOCKHOLDERS’ EQUITY
Preferred stock ($0.01 par value; 10,000,000 shares authorized, none issued)
Common stock ($0.01 par value; 40,000,000 shares authorized, 18,133,095 issued; 10,123,708 and 10,394,689 outstanding at September 30, 2024 and 2023, respectively)	181,000	181,000
Additional paid-in capital	183,073,000	182,681,000
Unallocated common stock held by the Employee Stock Ownership Plan (“ESOP”)	(5,557,000)	(6,009,000)
Retained earnings	163,473,000	151,856,000
Treasury stock, at cost; 8,009,387 and 7,738,406 shares outstanding at September 30, 2024 and 2023, respectively	(104,184,000)	(99,508,000)
Accumulated other comprehensive loss	(6,565,000)	(9,493,000)
TOTAL STOCKHOLDERS’ EQUITY	230,421,000	219,708,000
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,187,717,000	$ 2,293,246,000

Consolidated Balance Sheet (Par

Consolidated Balance Sheet (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Statement of Financial Position [Abstract]
Allowance for credit losses	$ 15,306	$ 18,525
Investment securities available for sale, amortized cost, net of allowance for credit losses	0	0
Investment securities held to maturity, amortized cost net of allowance for credit losses	$ 0	$ 0
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	40,000,000	40,000,000
Common stock, shares issued	18,133,095	18,133,095
Common stock, shares outstanding	10,123,708	10,394,689
Treasury stock, shares outstanding	8,009,387	7,738,406

Consolidated Statement of Incom

Consolidated Statement of Income - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
INTEREST INCOME
Loans receivable, including fees	$ 87,688	$ 73,329
Investment securities:
Taxable	11,752	9,834
Exempt from federal income tax	42	42
Other investment income	3,975	2,294
Total interest income	103,457	85,499
INTEREST EXPENSE
Deposits	33,322	17,399
Short-term borrowings	11,317	6,546
Other borrowings	539
Total interest expense	45,178	23,945
NET INTEREST INCOME	58,279	61,554
(Release of) provision for credit losses	(1,360)	700
NET INTEREST INCOME AFTER (RELEASE OF) PROVISION FOR CREDIT LOSSES	59,639	60,854
NONINTEREST INCOME
Service fees on deposit accounts	2,808	3,075
Services charges and fees on loans	1,331	1,350
Loan swap fees	163	263
Unrealized loss on equity securities	(6)	(4)
Trust and investment fees	1,640	1,640
Loss on sale of investment securities, net		(121)
Gain on sale of loans, net	375	172
Earnings on bank-owned life insurance	931	786
Insurance commissions	527	584
Other	435	161
Total noninterest income	8,204	7,906
NONINTEREST EXPENSE
Compensation and employee benefits	26,906	26,621
Occupancy and equipment	4,842	4,341
Professional fees	4,295	4,760
Data processing	5,399	4,910
Advertising	680	648
Federal Deposit Insurance Corporation (“FDIC”) premiums	1,638	1,078
Foreclosed real estate	101	231
Amortization of intangible assets	91	190
Other	2,929	2,911
Total noninterest expense	46,881	45,690
Income before income taxes	20,962	23,070
Income taxes	3,970	4,494
NET INCOME	$ 16,992	$ 18,576
Earnings per share:
Basic	$ 1.78	$ 1.91
Diluted	1.78	1.91
Dividends per share	$ 0.60	$ 0.60

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net Income (Loss)	$ 16,992	$ 18,576
Investment securities available for sale:
Unrealized holding income (loss)	12,457	(4,737)
Tax effect	(2,617)	995
Reclassification of gains (losses) recognized in net income		121
Tax effect		(25)
Net of tax amount	9,840	(3,646)
Pension plan adjustment:
Unrealized holding gain	2,309	1,486
Tax effect	(484)	(312)
Net of tax amount	1,825	1,174
Derivative and hedging activities adjustments:
Changes in unrealized (loss) gain on derivative included in net income	(2,103)	3,900
Tax effect	444	(821)
Reclassification adjustment for gains on derivatives included in net income	(8,960)	(9,122)
Tax effect	1,882	1,916
Net of tax amount	(8,737)	(4,127)
Total other comprehensive income (loss)	2,928	(6,599)
Comprehensive income	$ 19,920	$ 11,977

Consolidated Statement of Chang

Consolidated Statement of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Cumulative Effect of Adoption [Member]	Common Stock [Member]	Additional Paid-In Capital [Member]	Unallocated Common Stock Held by the ESOP [Member]	Retained Earnings [Member]	Retained Earnings [Member] Cumulative Effect of Adoption [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Loss [Member]
Beginning Balance at Sep. 30, 2022	$ 212,337		$ 181	$ 182,173	$ (6,462)	$ 139,139		$ (99,800)	$ (2,894)
Beginning Balance, Shares at Sep. 30, 2022			10,371,022
Net income	18,576					18,576
Other comprehensive income (loss)	(6,599)								(6,599)
Cash dividends declared	(5,859)					(5,859)
Stock-based compensation	560			560
Allocation of ESOP stock	798			345	453
Allocation of treasury shares to incentive plan	(105)			(397)				292
Allocation of treasury shares to incentive plan, Shares			23,667
Ending Balance at Sep. 30, 2023	$ 219,708		$ 181	182,681	(6,009)	151,856		(99,508)	(9,493)
Ending Balance, Shares at Sep. 30, 2023	10,394,689		10,394,689
Net income	$ 16,992					16,992
Other comprehensive income (loss)	2,928								2,928
Cash dividends declared	(5,905)					(5,905)
Stock-based compensation	568			568
Allocation of ESOP stock	797			345	452
Allocation of treasury shares to incentive plan	(134)			(521)				387
Allocation of treasury shares to incentive plan, Shares			32,628
Treasury shares purchased	(5,063)							(5,063)
Treasury shares purchased, Shares			(303,609)
Ending Balance at Sep. 30, 2024	$ 230,421		$ 181	$ 183,073	$ (5,557)	$ 163,473		$ (104,184)	$ (6,565)
Ending Balance (ASU 2016-13 [Member]) at Sep. 30, 2024		$ 530					$ 530
Ending Balance, Shares at Sep. 30, 2024	10,123,708		10,123,708

Consolidated Statement of Cha_2

Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Statement of Stockholders' Equity [Abstract]
Cash dividends declared, per share	$ 0.60	$ 0.60

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
OPERATING ACTIVITIES
Net income	$ 16,992	$ 18,576
Adjustments to reconcile net income to net cash provided by operating activities:
(Release of) provision for credit losses	(1,360)	700
Provision for depreciation and amortization	1,111	1,110
Amortization and accretion of discounts and premiums, net	(2,220)	(1,390)
Net loss on sale of investment securities		121
Compensation expense on ESOP	797	798
Stock-based compensation	568	560
Amortization of right-of-use-asset	903	815
Unrealized loss on equity securities	6	4
Gain on sale of loans, net	(375)	(172)
Origination of residential real estate loans for sale	(19,582)	(13,031)
Proceeds from sale of residential real estate loans	20,207	12,953
Increase in accrued interest receivable	(205)	(3,282)
(Decrease) increase in accrued interest payable	(724)	4,993
Earnings on bank-owned life insurance	(879)	(786)
Deferred federal income taxes	2,069	252
Decrease in accrued pension liability	(357)	(312)
Loss on foreclosed real estate	101	231
Amortization of intangible assets	91	190
Other, net	(3,716)	(1,470)
Net cash provided by operating activities	13,427	20,860
Investment securities available for sale:
Proceeds from sale of investment securities		881
Proceeds from principal repayments and maturities	171,376	26,192
Purchases	(38,891)	(156,233)
Investment securities held to maturity:
Proceeds from principal repayments and maturities	4,793	4,961
Increase in loans receivable, net	(59,196)	(248,502)
Redemption of regulatory stock	22,383	31,425
Purchase of regulatory stock	(23,243)	(34,922)
Proceeds from sale of foreclosed real estate	15	33
Purchase of premises, equipment, and software	(221)	(955)
Net cash provided by (used for) investing activities	77,016	(377,120)
FINANCING ACTIVITIES
Decrease (increase) in deposits, net	(31,965)	280,995
Net (decrease) increase in short-term borrowings	(94,652)	143,842
Proceeds from other borrowings	10,000
Increase (decrease) in advances by borrowers for taxes and insurance	320	(5,253)
Purchase of common stock	(5,063)
Dividends on common stock	(5,905)	(5,859)
Net cash (used for) provided by financing activities	(127,265)	413,725
(Decrease) increase in cash and cash equivalents	(36,822)	57,465
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	85,402	27,937
CASH AND CASH EQUIVALENTS AT END OF YEAR	48,580	85,402
Cash paid:
Interest	45,902	18,952
Income taxes	3,260	3,600
Noncash items:
Transfers from loans to foreclosed real estate		3,546
Initial recognition of operating right-of-use asset	554	840
Initial recognition of operating lease liability	554	840
Unrealized holding gain (loss) on investment securities available for sale	$ 12,457	$ (4,616)

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 16,992	$ 18,576

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A summary of significant accounting and reporting policies applied in the presentation of the accompanying financial statements follows: Nature of Operations and Basis of Presentation The consolidated financial statements include the accounts of ESSA Bancorp, Inc. (the “Company”), its wholly owned subsidiary, ESSA Bank & Trust (the “Bank”), and the Bank’s wholly owned subsidiaries, ESSACOR Inc.; Pocono Investments Company; ESSA Advisory Services, LLC; Integrated Financial Corporation; and Integrated Abstract Incorporated, a wholly owned subsidiary of Integrated Financial Corporation. The primary purpose of the Company is to act as a holding company for the Bank. The Bank’s primary business consists of the taking of deposits and granting of loans to customers generally in Monroe, Northampton, Lehigh, Lackawanna, Luzerne, Delaware, Chester, and Montgomery counties, Pennsylvania. The Bank is subject to regulation and supervision by the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation. The investment in subsidiary on the parent company’s financial statements is carried at the parent company’s equity in the underlying net assets. ESSACOR, Inc. is a Pennsylvania corporation that has been used to purchase properties at tax sales that represent collateral for delinquent loans of the Bank. Pocono Investment Company is a Delaware corporation formed as an investment company subsidiary to hold and manage certain investments, including certain intellectual property. ESSA Advisory Services, LLC is a Pennsylvania limited liability company owned 100 percent by ESSA Bank & Trust. ESSA Advisory Services, LLC is a full-service insurance benefits consulting company offering group services such as health insurance, life insurance, short-term and long-term disability, dental, vision, and 401(k) retirement planning as well as individual health products. Integrated Financial Corporation is a Pennsylvania Corporation that provided investment advisory services to the general public and is currently inactive. Integrated Abstract Incorporated is a Pennsylvania Corporation that provided title insurance services and is currently inactive. All significant intercompany accounts and transactions have been eliminated in consolidation. Use of Estimates in the Preparation of Financial Statements The accounting principles followed by the Company and its subsidiary and the methods of applying these principles conform to U.S. generally accepted accounting principles and to general practice within the banking industry. In preparing the consolidated financial statements, the Company is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the Consolidated Balance Sheet date and related revenues and expenses for the period. Actual results could differ from those estimates. Securities The Company determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each balance sheet date. Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time but not necessarily to maturity. Any decision to sell a security classified as available for sale would be based on various factors, including significant movement in interest rates, changes in maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations, and other similar factors. Securities available for sale are carried at fair value. Unrealized gains and losses are reported in other comprehensive income (loss), net of the related deferred tax effects. Realized gains or losses, determined on the basis of the cost of the specific securities sold, are included in earnings. Premiums and discounts are recognized in interest income using the interest method over the period to maturity. Securities classified as held-to-maturity are those that the Company has the positive intent and ability to hold until maturity. These securities are reported at amortized cost. Prior to adopting ASU 2016-13, declines in the fair value of securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, the Company considers: (1) the length of time and the extent to which the fair value has been less than cost; (2) the financial condition and near-term prospects of the issuer; and (3) the Company’s intent to sell the security or whether it’s more likely than not that the Company would be required to sell the security before its anticipated recovery in market value. The fair market value of the equity securities tends to fluctuate with the overall equity markets as well as the trends specific to each institution. The equity securities portfolio is reviewed in a similar manner as that of the debt securities with greater emphasis placed on the length of time the market value has been less than the carrying value and the financial sector outlook. The Company also reviews dividend payment activities, levels of non-performing assets and loan loss reserves. The starting point for the equity analysis is the length and severity of market value decline. The realized loss is recognized as impairment charges on securities on the consolidated statements of income. The previous cost basis less the OTTI recognized in earnings becomes the new cost basis of the investment. Certain equity securities that do not have a readily determinable fair value are stated at cost, adjusted for observable price changes in orderly transactions for identical or similar investments of the same issuer. These securities include restricted stock of the Federal Home Loan Bank of Pittsburgh, as well as other equity securities. Allowance for Credit Losses – Available for Sale Securities The Bank measures expected credit losses on available-for-sale debt securities when the Bank does not intend to sell, or when it is not more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For available-for-sale debt securities that do not meet the aforementioned criteria, the Bank evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, the Bank considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this evaluation indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, equal to the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. The allowance for credit losses on available-for-sale debt securities is included within Investment securities available-for-sale on the consolidated balance sheet. Changes in the allowance for credit losses are recorded within Provision for credit losses on the consolidated statement of income. Losses are charged against the allowance when the Bank believes the collectability of an available-for-sale security is in jeopardy or when either of the criteria regarding intent or requirement to sell is met. Available-for-sale debt securities are typically classified as nonaccrual when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about the further collectability of principal or interest. When available-for-sale debt securities are placed on nonaccrual status, unpaid interest credited to income is reversed. Allowance for Credit Losses - Held to Maturity Securities: The Bank measures expected credit losses on held-to-maturity debt securities on a collective basis by security investment grade. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Loans Receivable Loans receivable that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for credit losses and any deferred fees and costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan. The accrual of interest is generally discontinued when the contractual payment of principal or interest has become 90 days past due or the Company has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income is reversed. Interest received on nonaccrual loans generally is either applied against principal or reported as interest income, according to the Company’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current and has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Loans Acquired Prior to adopting ASU 2016-13 loans acquired were recorded as follows. Loans acquired including loans that have evidence of deterioration of credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments receivable, are initially recorded at fair value (as determined by the present value of expected future cash flows) with no valuation allowance. Loans are evaluated individually to determine if there is evidence of deterioration of credit quality since origination. The difference between the undiscounted cash flows expected at acquisition and the investment in the loan, or the “accretable yield,” is recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment or as a loss accrual or a valuation allowance. Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining estimated life. Decreases in expected cash flows are recognized immediately as impairment. Any valuation allowances on these impaired loans reflect only losses incurred after acquisition. For purchased loans acquired that are not deemed impaired at acquisition, credit discounts representing the principal losses expected over the life of the loan are a component of the initial fair value. Loans are aggregated and accounted for as a pool of loans if the loans being aggregated have common risk characteristics. Subsequent to the purchase date, the methods utilized to estimate the required allowance for credit losses for these loans is similar to originated loans; however, the Company records a provision for loan losses only when the required allowance exceeds any remaining credit discounts. The remaining differences between the purchase price and the unpaid principal balance at the date of acquisition are recorded in interest income over the life of the loans. Allowance for Credit Losses The following discussion is regarding the critical accounting estimates related to the application of current expected credit losses ("CECL"), which was adopted on October 1, 2023. The allowance for credit losses (ACL) represents an amount which, in management’s judgment, is adequate to absorb expected credit losses on outstanding loans at the balance sheet date based on the evaluation of the size and current risk characteristics ot the loan portfolio, past events, current conditions, reasonable and supportable forecasts of future economic conditions and prepayment experience. The ACL is measured on a collective (pooled) basis for loan segments that share similar risk characteristics, including collateral type, credit ratings/scores, size, duration, interest rate structure, origination vintage and payment structure. The Company utilizes the discounted cash flow method for calculating the ACL. Qualitative adjustments are made for differences in loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, acquisition status, current levels of delinquencies, net charge-offs and risk ratings, as well as actual and forecasted macroeconomic variables. Macroeconomic data includes unemployment rates, changes in collateral values such as home prices and commercial real estate prices, gross domestic product and other relevant factors. Management utilizes judgment in determining and applying the qualitative factors and weighting the economic scenarios used, which include baseline, upside and downside forecasts. The ACL is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision for credit losses, which is recorded as a current period operating expense. Specific credit loss allowances are established for identified losses based on a review of such information. A loan evaluated for credit loss is considered to be have a credit loss when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. All loans identified as having a credit loss are evaluated independently. We do not aggregate such loans for evaluation purposes Determination of an appropriate ACL is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the ACL is reviewed quarterly by management. Management believes it uses relevant information available to make determinations about the ACL and that it has established the existing allowance in accordance with GAAP. However, the determination of the ACL requires significant judgment, and estimates of expected credit losses in the loan portfolio can vary from the amounts actually observed. While management uses available information to recognize expected credit losses, future additions to the ACL may be necessary based on changes in the loans comprising the portfolio, changes in the current and forecasted economic conditions, changes in the interest rate environment which may directly impact prepayment and curtailment rate assumption, and changes in the financial condition of the borrowers. Allowance for Loan Losses Prior to adopting ASU 2016-13, the allowance for loan losses was established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance for loan losses. The allowance for loan losses is maintained at a level by management which represents the evaluation of known and inherent risks in the loan portfolio at the Consolidated Balance Sheet date. Management’s periodic evaluation of the adequacy of the allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions, and other relevant factors. This evaluation is inherently subjective, since it requires material estimates that may be susceptible to significant change, including the amounts and timing of future cash flows expected to be received on impaired loans. The allowance for loan losses consists of specific and general components. The specific component relates to loans that are classified as impaired. For such loans an allowance for loan losses is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers nonclassified loans and is based on historical loss experience adjusted for qualitative factors. All loans are considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement and all loan types are considered impaired if the loan is restructured in a troubled debt restructuring. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent. Large groups of smaller-balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential mortgage loans for impairment disclosures unless such loans are part of a larger relationship that is impaired or classified as a troubled debt restructuring or is more than 180 days past due. A loan is considered to be a troubled debt restructuring (“TDR”) loan when the Company grants a concession to the borrower because of the borrower’s financial condition that it would not otherwise consider. Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk. TDR loans that are in compliance with their modified terms and that yield a market rate may be removed from the TDR status after one year of performance. Regulatory Stock Regulatory stock consists of Federal Home Loan Bank (“FHLB”) of Pittsburgh stock and Atlantic Community Bankers Bank stock. Regulatory stock is carried at cost. The Company is a member of the Federal Home Loan Bank System and holds stock in the Federal Home Loan Bank of Pittsburgh. As a member, the Company maintains an investment in the capital stock of the FHLB of Pittsburgh in an amount not less than 10 basis points of the outstanding member asset value plus 4.0 percent of its outstanding FHLB borrowings, as calculated throughout the year. The equity security is accounted for at cost and classified separately on the Consolidated Balance Sheet. The stock is bought from and sold to the FHLB based upon its $ 100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted; (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance; (c) the impact of legislative and regulatory changes on the customer base of the FHLB; and (d) the liquidity position of the FHLB. With consideration given to these factors, management concluded that the stock was not impaired at September 30, 2024. Loan Servicing Servicing assets are recognized as separate assets when rights are acquired through purchase or through sale of financial assets. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon a third-party appraisal. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Impairment is recognized through a valuation allowance to the extent that fair value is less than the capitalized amount. The Company’s loan servicing assets at September 30, 2024 and 2023, were not impaired. Total servicing assets included in other assets as of September 30, 2024 and 2023, were $ 1.1 million and $ 874,000 , respectively. Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is calculated using the straight-line method over the useful lives of the related assets, which range from 10 to 40 years for buildings, land improvements, and leasehold improvements and three to seven years for furniture, fixtures, and equipment. Expenditures for maintenance and repairs are charged to operations as incurred. Costs of major additions and improvements are capitalized. Derivative Instruments and Hedging Activities The Company records all derivatives on the Consolidated Balance Sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Derivatives may also be designated as hedges of the foreign currency exposure of a net investment in a foreign operation. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Company may enter into derivative contracts that are intended to economically hedge certain of its risk, even though hedge accounting does not apply or the Company elects not to apply hedge accounting. In accordance with the FASB’s fair value measurement guidance, the Company has elected to measure the credit risk of its derivative financial instruments that are subject to master netting agreements on a net basis by counterparty portfolio. Bank-Owned Life Insurance (“BOLI”) The Company owns insurance on the lives of a certain group of key employees. The policies were purchased to help offset the increase in the costs of various fringe benefit plans, including healthcare. The cash surrender value of these policies is included as an asset on the Consolidated Balance Sheet, and any increase in cash surrender value is recorded as noninterest income on the Consolidated Statement of Income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income. Foreclosed Real Estate Real estate owned acquired in settlement of foreclosed loans is carried at fair value minus estimated costs to sell. At acquisition of real estate acquired in settlement of foreclosed loans, the excess of the remaining loan balance over the asset’s estimated fair value less cost to sell is charged off against the allowance for credit losses. Subsequent declines in the asset’s value are recognized as noninterest expense in the Consolidated Statement of Income. Operating expenses of such properties, net of related income, are expensed in the period incurred. Goodwill and Intangible Assets Goodwill is not amortized, but it is tested at least annually for impairment in the fourth quarter, or more frequently if indicators of impairment are present. If the estimated current fair value of a reporting unit exceeds its carrying value, no additional testing is required and an impairment loss is not recorded. The Company uses market capitalization and multiples of tangible book value methods to determine the estimated current fair value of its reporting unit. Based on this analysis, no impairment was recorded in 2024 or 2023. The other intangible assets are assigned useful lives, which are amortized on an accelerated basis over their weighted-average lives. The Company periodically reviews intangible assets for impairment as events or changes in circumstances indicate that the carrying amount of such asset may not be recoverable. Based on these reviews, no impairment was recorded in 2024 and 2023. The following tables provide information for the carrying amount of goodwill and intangible assets (in thousands): Goodwill 2024 2023 Balance at beginning of year $ 13,801 $ 13,801 Goodwill acquired - - Balance at end of year $ 13,801 $ 13,801 Intangible assets 2024 2023 Balance at beginning of year $ 91 $ 281 Intangible assets acquired - - Amortization ( 91 ) ( 190 ) Balance at end of year $ - $ 91 Amortizable intangible assets were composed of the following (in thousands): September 30, 2024 2023 Gross Carrying Accumulated (dollars in thousands) Core deposit intangible $ 4,787 $ 4,787 $ 4,696 2024 2023 Aggregate amortization expense: As of the years ended September 30 $ 91 $ 190 Employee Benefit Plans The Bank maintains a noncontributory, defined benefit pension plan for all employees who have met age and length of service requirements. The Bank also maintains a defined contribution Section 401(k) plan covering eligible employees. The Company created an ESOP for the benefit of employees who meet certain eligibility requirements. The Company makes cash contributions to the ESOP on an annual basis. The Company maintains an equity incentive plan to provide for issuance or granting of shares of common stock for stock options or restricted stock. The Company has recorded stock-based employee compensation cost using the fair value method as allowed under generally accepted accounting principles. Management estimated the fair values of all option grants using the Black-Scholes option-pricing model. Management estimated the expected life of the options using the simplified method as allowed under generally accepted accounting principles. The risk-free rate was determined utilizing the treasury yield for the expected life of the option contract. Advertising Costs The Company expenses all advertising expenditures incurred. Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Income Taxes Deferred tax assets and liabilities are reflected based on the differences between the financial statement and the income tax basis of assets and liabilities using the enacted marginal tax rates. Deferred income tax expense and benefit are based on the changes in the deferred tax assets or liabilities from period to period. Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the period in which such items are expected to be realized or settled. As changes in tax rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. The Company files a consolidated federal income tax return and individual state income tax returns. The Company prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. Cash and Cash Equivalents The Company has defined cash and cash equivalents as cash and due from banks and interest-bearing deposits with other institutions with original maturities of less than 90 days. Earnings Per Share The Company provides dual presentation of basic and diluted earnings per share. Basic earnings per share are calculated utilizing net income as reported as the numerator and average shares outstanding as the denominator. The computation of diluted earnings per share differs in that the dilutive effects of any options are adjusted for in the denominator. Comprehensive Income (Loss) The Company is required to present comprehensive income (loss) and its components in a full set of general-purpose financial statements for all periods presented. Other comprehensive income (loss) is composed of net unrealized holding gains or losses on its available-for-sale investment and mortgage-backed securities portfolio and derivative instruments, and changes in unrecognized pension cost. Fair Value Measurements The Company groups assets and liabilities carried at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are: • Level I – Valuation is based upon quoted prices for identical instruments traded in active markets. • Level II – Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. • Level III – Valuation is generated from model-based techniques that use significant assumptions not observable in

Earnings per Share

Earnings per Share	12 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Earnings per Share	2. EARNINGS PER SHARE The following table sets forth the composition of the weighted-average common shares (denominator) used in the basic and diluted earnings per share computation for the years ended September 30, 2024 and 2023. 2024 2023 Weighted-average common shares outstanding 18,133,095 18,133,095 Average treasury stock shares ( 7,966,827 ) ( 7,732,056 ) Average unearned ESOP shares ( 586,633 ) ( 631,882 ) Average unearned nonvested shares ( 46,913 ) ( 43,953 ) Weighted-average common shares and common stock 9,532,722 9,725,204 Additional common stock equivalents (nonvested stock) - - Additional common stock equivalents (stock options) - - Weighted-average common shares and common stock 9,532,722 9,725,204 At September 30, 2024, there were 8,938 shares of nonvested stock outstanding at an average weighted price of $ 18.45 per share that were not included in the computation of diluted earnings per share because to do so would have been anti-dilutive. At September 30, 2023 there were 11,588 shares of nonvested stock outstanding at an average weighted price of $ 16.54 per share that were not included in the computation of diluted earnings per share because to do so would have been anti-dilutive.

Investment Securities

Investment Securities	12 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	3. INVESTMENT SECURITIES The amortized cost, gross unrealized gains and losses, allowance for credit losses and fair value of investment securities are summarized as follows (in thousands): 2024 Amortized Gross Gross Allowance for Fair Available for sale Fannie Mae $ 55,287 $ 342 $ ( 2,604 ) $ - $ 53,025 Freddie Mac 54,075 157 ( 1,770 ) - 52,462 Governmental National Mortgage Association securities 16,860 214 ( 336 ) - 16,738 Total mortgage-backed securities 126,222 713 ( 4,710 ) - 122,225 Obligations of states and political subdivisions 9,025 - ( 234 ) - 8,791 U.S. government agency securities 6,280 5 ( 19 ) - 6,266 Corporate obligations 76,262 51 ( 5,196 ) - 71,117 Other debt securities 7,810 88 ( 428 ) - 7,470 Total debt securities $ 225,599 $ 857 $ ( 10,587 ) $ - $ 215,869 Held to maturity Fannie Mae $ 24,774 $ - $ ( 3,030 ) $ - $ 21,744 Freddie Mac 20,153 - ( 2,524 ) - 17,629 Total 44,927 - ( 5,554 ) - 39,373 U.S. government agency securities 2,451 - ( 305 ) - 2,146 Total debt securities $ 47,378 $ - $ ( 5,859 ) $ - $ 41,519 2023 Amortized Gross Gross Fair Available for sale Fannie Mae $ 55,878 $ - $ ( 6,418 ) $ 49,460 Freddie Mac 49,833 1 ( 5,552 ) 44,282 Governmental National Mortgage Association securities 6,986 - ( 397 ) 6,589 Total mortgage-backed securities 112,697 1 ( 12,367 ) 100,331 Obligations of states and political subdivisions 9,794 - ( 742 ) 9,052 U.S. government treasury securities 123,562 19 ( 1 ) 123,580 U.S. government agency securities 29,089 - ( 137 ) 28,952 Corporate obligations 73,962 - ( 8,241 ) 65,721 Other debt securities 7,139 - ( 719 ) 6,420 Total debt securities $ 356,243 $ 20 $ ( 22,207 ) $ 334,056 Held to maturity Fannie Mae $ 27,652 $ - $ ( 5,217 ) $ 22,435 Freddie Mac 22,145 - ( 4,424 ) 17,721 Total 49,797 - ( 9,641 ) 40,156 U.S. government agency securities 2,445 - ( 511 ) 1,934 Total debt securities $ 52,242 $ - $ ( 10,152 ) $ 42,090 The following is a summary of unrealized and realized gains and losses recognized in net income on equity securities during the twelve months ended September 30, 2024 and 2023. (Dollars in thousands) 2024 2023 Net losses recognized during the period on equity securities $ ( 6 ) $ ( 4 ) Less: Net gains recognized during the period on equity - - Unrealized losses recognized during the reporting period on equity securities still held at the reporting date $ ( 6 ) $ ( 4 ) The amortized cost and fair value of debt securities at September 30, 2024, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties (in thousands): Available for Sale Held to Maturity Amortized Fair Amortized Fair Due in one year or less $ 9,391 $ 9,339 $ - $ - Due after one year through five years 34,533 33,483 - - Due after five years through ten years 67,997 63,050 6,174 5,579 Due after ten years 113,678 109,997 41,204 35,940 Total $ 225,599 $ 215,869 $ 47,378 $ 41,519 For the year ended September 30, 2024, the Company did no t sell any investment securities. For the year ended September 30, 2023 the Company realized no gross gains and gross losses of $ 121,000 on proceeds from the sale of investment securities of $ 1.0 million. Investment securities with carrying values of $ 147.5 million and $ 289.4 million at September 30, 2024 and 2023, respectively, were pledged to secure public deposits and other purposes as required by law. Investment securities with carrying values of $ 104.3 million and $ 57.3 million at September 30, 2024 and 2023, respectively were pledged to the Federal Reserve Bank. The following tables show the gross unrealized losses and fair value of the Company's investments for which an allowance for credit losses has not been recorded, which are aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2024 and September 30, 2023 (dollars in thousands): 2024 Less than Twelve Months Twelve Months or Greater Total Number Fair Gross Fair Gross Fair Gross Fannie Mae 73 $ 1,968 $ ( 5 ) $ 63,409 $ ( 5,629 ) $ 65,377 $ ( 5,634 ) Freddie Mac 61 2,717 ( 19 ) 54,159 ( 4,275 ) 56,876 ( 4,294 ) Governmental National Mortgage 14 - - 6,164 ( 336 ) 6,164 ( 336 ) Obligations of states and political subdivisions 9 - - 7,791 ( 234 ) 7,791 ( 234 ) U.S. government agency securities 2 - - 4,628 ( 324 ) 4,628 ( 324 ) Corporate obligations 77 4,585 ( 175 ) 56,881 ( 5,021 ) 61,466 ( 5,196 ) Other debt securities 17 355 - 5,220 ( 428 ) 5,575 ( 428 ) Total 253 $ 9,625 $ ( 199 ) $ 198,252 $ ( 16,247 ) $ 207,877 $ ( 16,446 ) 2023 Less than Twelve Months Twelve Months or Greater Total Number Fair Gross Fair Gross Fair Gross Fannie Mae 77 $ 5,675 $ ( 196 ) $ 66,220 $ ( 11,439 ) $ 71,895 $ ( 11,635 ) Freddie Mac 63 3,828 ( 159 ) 57,168 ( 9,817 ) 60,996 ( 9,976 ) Governmental National Mortgage 14 2,151 ( 51 ) 4,438 ( 346 ) 6,589 ( 397 ) Obligations of states and political subdivisions 11 - - 9,052 ( 742 ) 9,052 ( 742 ) U.S. government treasury securities 1 24,705 ( 1 ) - - 24,705 ( 1 ) U.S. government agency securities 4 24,582 ( 6 ) 6,304 ( 642 ) 30,886 ( 648 ) Corporate obligations 87 6,045 ( 273 ) 59,677 ( 7,968 ) 65,722 ( 8,241 ) Other debt securities 17 395 - 6,025 ( 719 ) 6,420 ( 719 ) Total 274 $ 67,381 $ ( 686 ) $ 208,884 $ ( 31,673 ) $ 276,265 $ ( 32,359 ) At September 30, 2024, the fair value of available-for-sale securities in an unrealized loss position for which an allowance for credit losses has not been recorded was $ 166.4 million, including unrealized losses of $ 10.6 million. The Corporation does not intend to sell the securities in an unrealized loss position and is unlikely to be required to sell these securities before a recovery of fair value, which may be maturity. The Corporation concluded that the decline in fair value of these securities was not indicative of a credit loss. Accrued interest receivable on available-for-sale debt securities totaled $ 1.5 million at September 30, 2024 and is included within other assets on the consolidated balance sheet. This amount is excluded from the estimate of expected credit losses. At September 30, 2024, the fair value of held-to-maturity securities in an unrealized loss position for which an allowance for credit losses has not been recorded was $ 41.5 million, including unrealized losses of $ 5.9 million. The Corporation did not recognize any credit losses on held-to-maturity debt securities for the year ended September 30, 2024 or other-than-temporary impairment charges during 2023. Accrued interest receivable on held-to-maturity debt securities totaled $ 63,000 at September 30, 2024 and is included within other assets on the consolidated balance sheet. This amount is excluded from the estimate of expected credit losses. Securities classified as held-to-maturity are included under the CECL methodology. Calculation of expected credit loss under CECL is done on a collective (“pooled”) basis, with assets grouped when similar risk characteristics exist. The Company notes that at September 30, 2024 all securities in the held-to-maturity classification are U.S. government agency and US government mortgage-backed securities; therefore, they share the same risk characteristics and can be evaluated on a collective basis. The expected credit loss on these securities is evaluated based on historical credit losses of this security type and the expected possibility of default in the future, and these securities are guaranteed by the U.S. government. U.S. government agency and mortgage-backed securities often receive the highest credit rating by rating agencies and the Company has concluded that the possibility of default is considered remote. The U.S. government agency and mortgage-backed securities held by the Company in the held-to-maturity category carry an AA+ rating from Standard & Poor’s, Aaa from Moody’s Investor Services, and AAA from Fitch. The Company concludes that the long history with no credit losses for these securities (adjusted for current conditions and reasonable and supportable forecasts) indicates an expectation that nonpayment of the amortized cost basis is zero. Management has concluded that there is no prepayment risk and it is expected to recover the recorded investment. The Company has the intent and ability to hold the securities to maturity.

Loans Receivable

Loans Receivable	12 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Loans Receivable	4. LOANS RECEIVABLE Loans receivable consist of the following (in thousands): 2024 2023 Real estate loans: Residential $ 721,505 $ 713,326 Construction 14,851 16,768 Commercial 884,621 821,958 Commercial 36,799 48,143 Obligations of states and political subdivisions 48,570 48,118 Home equity loans and lines of credit 51,306 48,212 Auto loans 65 523 Other 1,873 2,002 1,759,590 1,699,050 Less allowance for credit losses 15,306 18,525 Net loans $ 1,744,284 $ 1,680,525 As of September 30, 2024 and 2023, the Company considered its concentration of credit risk to be acceptable. As of September 30, 2024, the highest concentrations are in lessors of residential buildings and dwellings and the lessors of non-residential buildings and dwellings categories, with loans outstanding of $ 346.9 million, or 19.7 % of loans outstanding, to residential lessors, and $ 296.1 million, or 16.8 % of loans outstanding, to commercial lessors. There were no charge-offs on loans within these concentrations in 2024. For the year ended September 30, 2023, the Company recognized no charge offs on commercial lessors and $ 476,00 0 on residential lessors. Loans serviced by the Company for others amounted to $ 243.4 million and $ 217.0 million at September 30, 2024 and 2023, respectively. The Company began selling current production residential real estate loans to the FHLB in February 2020. The Company’s primary business activity is with customers located in counties where its branch offices are located and to a lesser extent, the contiguous counties in the Commonwealth of Pennsylvania. Commercial, residential, and consumer loans are granted. The Company also funds commercial and residential loans originated outside its immediate trade area provided such loans meet the Company’s credit policy guidelines. Although the Company has a diversified loan portfolio at September 30, 2024 and 2023, loans outstanding to individuals and businesses are dependent upon the local economic conditions in its immediate trade area. The following table shows the amount of loans in each category that were individually and collectively evaluated for credit loss at the dates indicated (in thousands): Total Individually Collectively September 30, 2024 Real estate loans: Residential $ 721,505 $ 1,122 $ 720,383 Construction 14,851 - 14,851 Commercial 884,621 5,552 879,069 Commercial 36,799 906 35,893 Obligations of states and political subdivisions 48,570 - 48,570 Home equity loans and lines of credit 51,306 35 51,271 Auto Loans 65 - 65 Other 1,873 - 1,873 Total $ 1,759,590 $ 7,615 $ 1,751,975 The following table shows the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated (in thousands): Total Individually Impairment Collectively September 30, 2023 Real estate loans: Residential $ 713,326 $ 1,393 $ 711,933 Construction 16,768 - 16,768 Commercial 821,958 7,664 814,294 Commercial 48,143 648 47,495 Obligations of states and political subdivisions 48,118 - 48,118 Home equity loans and lines of credit 48,212 27 48,185 Auto Loans 523 - 523 Other 2,002 3 1,999 Total $ 1,699,050 $ 9,735 $ 1,689,315 The Company maintains a loan review system that allows for a periodic review of our loan portfolio and the early identification of potential credit deterioration in loans. Such system takes into consideration, among other things, delinquency status, size of loans, type and market value of collateral and financial condition of the borrowers. Specific credit loss allowances are established for identified losses based on a review of such information. A loan is analyzed for credit loss when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. All loans are evaluated independently. The Company does not aggregate such loans for evaluation purposes. Credit loss is measured on a loan-by-loan basis for commercial and construction loans by the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent. The following tables include the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable, under ASC 310, excluding purchased impaired credit loans. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized during the time within the period that the impaired loans were impaired (in thousands). Recorded Unpaid Associated Average Interest September 30, 2023 With no specific allowance recorded: Real estate loans: Residential $ 1,294 $ 2,091 $ - $ 1,140 $ 3 Construction - - - - - Commercial 6,240 7,094 - 8,182 1 Commercial 648 960 - 549 - Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit 27 62 - 32 - Auto loans - - - 3 - Other 3 17 - 5 - Subtotal 8,212 10,224 - 9,911 4 With an allowance recorded: Real estate loans: Residential 99 103 7 101 - Construction - - - - - Commercial 1,424 1,562 35 1,490 - Commercial - - - 267 - Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit - - - - - Auto loans - - - - - Other - - - - - Subtotal 1,523 1,665 42 1,858 - Total: Real estate loans: Residential 1,393 2,194 7 1,241 3 Construction - - - - - Commercial 7,664 8,656 35 9,672 1 Commercial 648 960 - 816 - Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit 27 62 - 32 - Auto loans - - - 3 - Other 3 17 - 5 - Total $ 9,735 $ 11,889 $ 42 $ 11,769 $ 4 The Company uses a dual risk rating methodology to monitor the credit quality of the overall commercial loan portfolio. This rating system consists of a borrower rating scale from 1 to 14 and a collateral coverage rating scale from A to J that provides a mechanism to separate borrower creditworthiness from the value of collateral recovery in the event of default. The two ratings are combined using a matrix to develop an overall composite loan quality risk rating. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are fundamentally sound yet, exhibit potentially unacceptable credit risk or deteriorating trends or characteristics which if left uncorrected, may result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due are considered Substandard. Loans in the Doubtful category have all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans in the Loss category are considered uncollectible and of little value that their continuance as bankable assets is not warranted. To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process with several layers of internal and external oversight. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, repossession, or death, occurs to raise awareness of a possible credit event. The Company’s Commercial Loan Officers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. The Company’s credit management team performs an annual review of all commercial relationships $ 2,000,000 or greater. Confirmation of the appropriate risk grade is included in the review on an ongoing basis. The Company engages an external consultant to conduct loan reviews on at least a semiannual basis. Generally, the external consultant reviews commercial relationships greater than $ 1,000,000 and/or all criticized relationships equal to or greater than $ 500,000 . Detailed reviews, including plans for resolution, are performed on loans classified as Substandard on a quarterly basis. Loans in the Substandard category that are evaluated for impairment are given separate consideration in the determination of the allowance. The Bank uses the following definitions for risk ratings: Pass. Loans classified as pass are loans in which the condition of the borrower and the performance of the loans are satisfactory of better Special Mention. Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution's credit position at some future date. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Based on the most recent analysis performed, the following table presents the recorded investment in non-homogenous pools by internal risk rating systems under ASC 326 (in thousands); Revolving Revolving Term Loans Amortized on Cost Basis by Origination Year Loans Loans Amortized Converted September 30, 2024 2024 2023 2022 2021 2020 Prior Cost Basis to Term Total Commercial real estate Risk Rating Pass $ 86,925 $ 144,838 $ 221,196 $ 143,090 $ 65,522 $ 175,306 $ 16,084 $ - $ 852,961 Special Mention 437 10,675 357 - 11,247 62 - - 22,778 Substandard - - - 132 - 8,750 - - 8,882 Doubtful - - - - - - - - - Total $ 87,362 $ 155,513 $ 221,553 $ 143,222 $ 76,769 $ 184,118 $ 16,084 $ - $ 884,621 Commercial real estate Current period gross charge-offs $ - $ - $ - $ 15 $ - $ - $ - $ - $ 15 Commercial Risk Rating Pass $ 2,274 $ 6,147 $ 3,926 $ 1,649 $ 1,240 $ 7,570 $ 11,488 $ - $ 34,294 Special Mention - - - - 36 - 865 - 901 Substandard - 470 - 226 290 406 212 - 1,604 Doubtful - - - - - - - - - Total $ 2,274 $ 6,617 $ 3,926 $ 1,875 $ 1,566 $ 7,976 $ 12,565 $ - $ 36,799 Commercial Current period gross charge-offs $ - $ - $ - $ 22 $ - $ - $ - $ - $ 22 Obligations of states and political subdivisions Risk Rating Pass $ 2,289 $ 1,492 $ 4,629 $ 11,604 $ 7,808 $ 20,748 $ - $ - $ 48,570 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total $ 2,289 $ 1,492 $ 4,629 $ 11,604 $ 7,808 $ 20,748 $ - $ - $ 48,570 Obligations of states and political subdivisions Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Total Pass $ 91,488 $ 152,477 $ 229,751 $ 156,343 $ 74,570 $ 203,624 $ 27,572 $ - $ 935,825 Special Mention 437 10,675 357 - 11,283 62 865 - 23,679 Substandard - 470 - 358 290 9,156 212 - 10,486 Doubtful - - - - - - - - - Total $ 91,925 $ 163,622 $ 230,108 $ 156,701 $ 86,143 $ 212,842 $ 28,649 $ - $ 969,990 The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, and Doubtful or Loss within the internal risk rating system at September 30, 2023 under ASC 310 (in thousands): Pass Special Substandard Doubtful Total September 30, 2023 Commercial real estate loans $ 807,736 $ 3,200 $ 11,022 $ - $ 821,958 Commercial 46,452 - 1,691 - 48,143 Obligations of states and political subdivisions 48,118 - - - 48,118 Total $ 902,306 $ 3,200 $ 12,713 $ - $ 918,219 The Company monitors the credit risk profile by payment activity for residential and consumer loan classes. Loans past due over 90 days and loans on nonaccrual status are considered nonperforming. Nonperforming loans are reviewed monthly. The following table presents the carrying value of residential and consumer loans based on payment activity under ASC 326 (in thousands): Revolving Revolving Term Loans Amortized on Cost Basis by Origination Year Loans Loans Amortized Converted September 30, 2024 2024 2023 2022 2021 2020 Prior Cost Basis to Term Total Residential real estate Payment Performance Performing $ 45,845 $ 101,439 $ 151,329 $ 133,147 $ 101,061 $ 186,729 $ - $ - $ 719,550 Nonperforming - - 283 - 96 1,576 - - 1,955 Total $ 45,845 $ 101,439 $ 151,612 $ 133,147 $ 101,157 $ 188,305 $ - $ - $ 721,505 Residential real estate Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Construction Payment Performance Performing $ 11,252 $ 3,599 $ - $ - $ - $ - $ - $ - $ 14,851 Nonperforming - - - - - - - - - Total $ 11,252 $ 3,599 $ - $ - $ - $ - $ - $ - $ 14,851 Construction Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Home equity loans and lines of credit - Payment Performance Performing $ 4,372 $ 10,198 $ 7,076 $ 1,816 $ 1,343 $ 2,888 $ 21,454 $ 2,124 $ 51,271 Nonperforming - - - - - 35 - - 35 Total $ 4,372 $ 10,198 $ 7,076 $ 1,816 $ 1,343 $ 2,923 $ 21,454 $ 2,124 $ 51,306 Home equity loans and lines of credit Current period gross charge-offs $ - $ - $ - $ - $ - $ 32 $ - $ - $ 32 Auto - Payment Performance Performing $ - $ - $ - $ - $ 64 $ - $ - $ 64 Nonperforming - - - - - 1 - - 1 Total $ - $ - $ - $ - $ - $ 65 $ - $ - $ 65 Auto Current period gross charge-offs $ - $ - $ - $ - $ - $ 5 $ - $ - $ 5 Other - Payment Performance Performing $ 369 $ 239 $ 88 $ 4 $ 10 $ 112 $ 1,028 $ - $ 1,850 Nonperforming - - - - - 23 - - 23 Total $ 369 $ 239 $ 88 $ 4 $ 10 $ 135 $ 1,028 $ - $ 1,873 Other Current period gross charge-offs $ - $ - $ 10 $ - $ - $ - $ - $ - $ 10 Total Payment Performance Performing $ 61,838 $ 115,475 $ 158,493 $ 134,967 $ 102,414 $ 189,793 $ 22,482 $ 2,124 $ 787,586 Nonperforming - - 283 - 96 1,635 - - 2,014 Total $ 61,838 $ 115,475 $ 158,776 $ 134,967 $ 102,510 $ 191,428 $ 22,482 $ 2,124 $ 789,600 The following table presents the risk ratings in the consumer categories of performing and non-performing loans at September 30, 2023 under ASC 310 (in thousands): Performing Nonperforming Total September 30, 2023 Real estate loans: Residential $ 710,757 $ 2,569 $ 713,326 Construction 16,768 - 16,768 Home equity loans and lines of credit 48,165 47 48,212 Auto loans 523 - 523 Other 1,972 30 2,002 Total $ 778,185 $ 2,646 $ 780,831 The Company further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories as of September 30, 2024 and 2023 (in thousands): 31-60 61-90 Greater than Total Total Current Past Due Past Due Past Due Past Due Loans September 30, 2024 Real estate loans: Residential $ 717,766 $ 1,862 $ 760 $ 1,117 $ 3,739 $ 721,505 Construction 14,851 - - - - 14,851 Commercial 880,939 554 2,673 455 3,682 884,621 Commercial 36,589 - - 210 210 36,799 Obligations of states and 48,570 - - - - 48,570 Home equity loans and lines of 51,264 20 22 - 42 51,306 Auto loans 63 1 - 1 2 65 Other 1,850 - - 23 23 1,873 Total $ 1,751,892 $ 2,437 $ 3,455 $ 1,806 $ 7,698 $ 1,759,590 September 30, 2023 Real estate loans: Residential $ 710,290 $ 792 $ 199 $ 2,045 $ 3,036 $ 713,326 Construction 16,768 - - - - 16,768 Commercial 820,853 240 - 865 1,105 821,958 Commercial 47,893 - - 250 250 48,143 Obligations of states and 48,118 - - - - 48,118 Home equity loans and lines of 48,191 - - 21 21 48,212 Auto loans 485 37 1 - 38 523 Other 1,959 10 33 - 43 2,002 Total $ 1,694,557 $ 1,079 $ 233 $ 3,181 $ 4,493 $ 1,699,050 The following table presents the amortized cost basis of loans on nonaccrual status and loans past due 90 days or more and still accruing interest as of September 30, 2024 under ASC 326 (in thousands): Nonaccrual with No ACL Nonaccrual with ACL Total Nonaccrual Loans Past Due Over 90 Days and Still Accruing Total Nonperforming September 30, 2024 Real estate loans: Residential $ 1,955 $ - $ 1,955 $ - $ 1,955 Construction - - - - - Commercial 5,876 - 5,876 - 5,876 Commercial 1,136 - 1,136 - 1,136 Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit 35 - 35 - 35 Auto loans 1 - 1 - 1 Other 23 - 23 - 23 Total $ 9,026 $ - $ 9,026 $ - $ 9,026 The following table presents the non-accrual loans at September 30, 2023 under ASC 310 (in thousands): Non-Accrual Loans September 30, 2023 Real estate loans: Residential $ 2,569 Construction - Commercial 7,763 Commercial 652 Obligations of states and - Home equity loans and lines of 47 Auto loans - Other 30 Total $ 11,061 There were no loans greater than 90 days delinquent and still accruing interest at September 30, 2024 and 2023. We maintain the ACL at a level that we believe to be appropriate to absorb estimated credit losses in the loan portfolios as of the balance sheet date. We established our allowance in accordance with guidance provided in Accounting Standard Codification ("ASC") - Financial Instruments - Credit Losses ("ASC 326"). In addition, the FDIC and the Pennsylvania Department of Banking and Securities, as an integral part of their examination process, periodically review our allowance for credit losses. The banking regulators may require that we recognize additions to the allowance based on its analysis and review of information available to it at the time of its examination. Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ACL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ACL. The following table summarizes the primary segments of the ACL, segregated into the amount required for loans individually evaluated for credit loss and the amount required for loans collectively evaluated for credit loss as of September 30, 2024 and 2023 (in thousands): Real Obligations of Home Equity Residential Construction Commercial Commercial Subdivisions Credit Auto Other Unallocated Total ALL balance at September $ 5,122 $ 319 $ 10,754 $ 698 $ 283 $ 361 $ 22 $ 22 $ 947 $ 18,528 Charge-offs - - ( 615 ) ( 269 ) - - ( 28 ) - - ( 912 ) Recoveries 45 - 20 - - 66 78 - - 209 Provision ( 270 ) ( 136 ) 1,824 512 ( 173 ) ( 81 ) ( 70 ) - ( 906 ) 700 ALL balance at September $ 4,897 $ 183 $ 11,983 $ 941 $ 110 $ 346 $ 2 $ 22 $ 41 $ 18,525 ACL balance at September $ 4,897 $ 183 $ 11,983 $ 941 $ 110 $ 346 $ 2 $ 22 $ 41 $ 18,525 Impact of adopting ASC 326 $ 503 $ 254 $ ( 3,729 ) $ ( 292 ) $ 129 $ 423 $ 2 $ ( 4 ) $ ( 41 ) $ ( 2,755 ) Charge-offs - - ( 15 ) ( 22 ) - ( 32 ) ( 5 ) ( 10 ) - ( 84 ) Recoveries 14 - 188 - - 6 12 - - 220 Provision ( 35 ) ( 169 ) ( 612 ) 133 42 30 ( 9 ) 20 - ( 600 ) ACL balance at September $ 5,379 $ 268 $ 7,815 $ 760 $ 281 $ 773 $ 2 $ 28 $ - $ 15,306 The shift in allocation and the changes in the provision for credit losses for the year ending September 30, 2024 are primarily due to changes in the credit metrics within the loan portfolio and the ACL model coupled with the adoption of CECL on October 1, 2023. During the year ended September 30, 2023, the allowance for loan loss for commercial real estate loans increased $ 1.8 million due primarily to an increase in commercial real estate loans of $ 143.1 million. Credit provisions were recorded for loan loss for the commercial loans, obligations of states and political subdivisions, and auto loans segments due to either decreased loan balances, improved asset quality, changes in the loan mix within the pool, and/or decreased charge-off activity in those segments. The following table summarizes the amount of loans in each segments that were individually and collectively evaluated for credit loss as of September 30, 2024 (in thousands): Individually evaluated for $ 2 $ - $ - $ - $ - $ - $ - $ - $ - $ 2 Collectively evaluated for 5,377 268 7,815 760 281 773 2 28 - 15,304 ACL balance at September $ 5,379 $ 268 $ 7,815 $ 760 $ 281 $ 773 $ 2 $ 28 $ - $ 15,306 The following table summarizes the primary segments of the ALL, segregated into two categories, the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2023 (in thousands): Individually evaluated for $ 7 $ - $ 35 $ - $ - $ - $ - $ - $ - $ 42 Collectively evaluated for 4,890 183 11,948 941 110 346 2 22 41 18,483 ALL balance at September $ 4,897 $ 183 $ 11,983 $ 941 $ 110 $ 346 $ 2 $ 22 $ 41 $ 18,525 Collateral-Dependent Loans The following table presents, by class of loans, the carrying value of collateral dependent nonaccrual loans and type of collateral as of September 30, 2024 (in thousands): Real Estate Business Assets Other September 30, 2024 Real estate loans: Residential $ 1,122 $ - $ - Construction - - - Commercial 5,552 - - Commercial - 906 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 35 - - Auto loans - - - Other - - - Total $ 6,709 $ 906 $ - Occasionally, the Company modifies loans to borrowers in financial distress by providing term extensions and interest rate reductions. In some cases, the Company provides multiple types of concessions on one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, The following table shows the amortized cost basis of the loans modified to borrowers experiencing financial difficulty during the year ended September 30, 2024, disaggregated by class of financing receivable and type of concession granted under ASC 326 (in thousands): Loan Modifications Made to Borrowers Experiencing Financial Difficulty Combination - Term Extension and Interest Rate Reduction Amortized Cost Basis % of Total Class of at September 30, 2024 Financing Receivable Financial Effect Real estate loans: Residential $ 71 0.01 % Reduced weighted-average contractual interest rate from 7.25 % to 5 %. Extended term for 360 months. Total S 71 Principal Payment Deferral Amortized Cost Basis % of Total Class of at September 30, 2024 Financing Receivable Real estate loans: Commercial $ 366 0.04 % Deferred principal for 9 months. Total S 366 The Bank closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the past year under ASC 326 (in thousands): 31-60 Days 61-89 Days 90 + Days Total Current Past Due Past Due Past Due Past Due September 30, 2024 Real estate loans: Residential $ 71 $ - $ - $ - $ - Construction - - - - - Commercial 366 - - - - Commercial - - - - - Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit - - - - - Auto loans - - - - - Other - - - - - Total $ 437 $ - $ - $ - $ - On October 1, 2023, the Bank adopted ASU 2022-02 on a modified retrospective basis. ASU 2022-02 eliminates the TDR accounting model, and requires that the Bank evaluate, based on the accounting for loan modifications, whether the borrower is experiencing financial difficulty and the modification results in a more-than-insignificant direct change in the contractual cash flows and represents a new loan or a continuation of an existing loan. This change required all loan modifications to be accounted for under the general loan modification guidance in ASC 310-20, Receivables – Nonrefundable Fees and Other Costs, and subject entities to new disclosure requirements on loan modifications to borrowers experiencing financial difficulty. Upon adoption of CECL, the TDRs were evaluated and included in the CECL loan segment pools if the loans shared similar risk characteristics to other loans in the pool or remained with individually evaluated loans for which the ACL was measured using the collateral-dependent or discounted cash flow method. The following tables present the most comparable required information for the prior period for impaired loans that were TDRs, with the recorded investment at September 30, 2023 under ASC 310 (dollars in thousands): For the Year Ended September 30, 2023 Number of Pre-Modification Post-Modification Troubled debt restructurings Real estate loans: Residential 3 $ 295 $ 355 Construction - - - Commercial 3 6,058 6,058 Commercial - - - Obligations of states and political subdivisions - - - Home equity loans and lines of credit - - - Auto loans - - - Other - - - Total 6 $ 6,353 $ 6,413 For the year ended September 30, 2023 there was no loan modifications classified as troubled debt restructurings that subsequently defaulted within one year of modification. As of September 30, 2024, the Company has initiated formal foreclosure proceedings on $ 1.1 million of consumer residential mortgages which have not yet been transferred into foreclosed assets.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Sep. 30, 2024
Property, Plant and Equipment [Abstract]
Premises and Equipment	5. PREMISES AND EQUIPMENT Premises and equipment consist of the following (in thousands): 2024 2023 Land and land improvements $ 4,878 $ 6,075 Buildings and leasehold improvements 16,060 16,100 Furniture, fixtures, and equipment 15,004 14,565 Construction in process 130 44 36,072 36,784 Less accumulated depreciation ( 24,819 ) ( 23,871 ) Total $ 11,253 $ 12,913 Depreciation expense amounted to $ 944,000 and $ 919,000 for the years ended September 30, 2024 and 2023 respectively.

Deposits

Deposits	12 Months Ended
	Sep. 30, 2024
Deposits Liabilities Disclosures [Abstract]
Deposits	6. DEPOSITS Deposits and their respective weighted-average interest rates consist of the following major classifications (dollars in thousands): 2024 2023 Weighted- Amount Weighted- Amount Noninterest-bearing demand accounts - % $ 256,638 - % $ 280,473 Interest bearing demand accounts 1.14 312,683 0.65 346,458 Money market accounts 2.64 334,638 2.02 366,866 Savings and club accounts 0.07 143,031 0.06 163,248 Certificates of deposit 4.45 582,061 3.99 503,971 Total 2.36 % $ 1,629,051 1.80 % $ 1,661,016 At September 30, 2024 scheduled maturities of certificates of deposit are as follows (in thousands): 2025 $ 462,408 2026 96,091 2027 14,112 2028 5,120 2029 4,330 Total $ 582,061 Brokered deposits totaled $ 252.0 and $ 214.2 million at September 30, 2024 and 2023, respectively. The aggregate amount of certificates of deposit with a minimum denomination of $ 250,000 were $ 84.2 million and $ 72.0 million at September 30, 2024 and 2023, respectively. The scheduled maturities of certificates of deposit in denominations of $250,000 or more as of September 30, 2024, are as follows (in thousands): Within three months $ 19,805 Three through six months 38,743 Six through twelve months 10,300 Over twelve months 15,393 Total $ 84,241

Short-Term and Other Borrowings

Short-Term and Other Borrowings	12 Months Ended
	Sep. 30, 2024
Debt Disclosure [Abstract]
Short-Term and Other Borrowings	7. SHORT-TERM AND OTHER BORROWINGS As of September 30, 2024, and 2023, the Company had $ 280.0 million and $ 374.7 million of short-term borrowings, respectively. There were no advances in 2024 and $ 59.7 million in advances in 2023 on a $ 150.0 million line of credit with the FHLB. There were also $ 280.0 million and $ 255.0 million in advances on other short term borrowings in 2024 and 2023, respectively with the FHLB. The Company also had a $ 60.0 advance with the Federal Reserve Bank in 2023 and no ne at September 30, 2024. All borrowings from the FHLB are secured by a blanket lien on qualified collateral, defined principally as investment securities and mortgage loans that are owned by the Company free and clear of any liens or encumbrances. The Federal Reserve borrowing is secured by investment securities. At September 30, 2024, the Company had a borrowing limit of approximately $ 890.7 million, with a variable rate of interest, based on the FHLB’s cost of funds. The following table sets forth information concerning short-term borrowings (in thousands): 2024 2023 Balance at year-end $ 280,000 $ 374,652 Maximum amount outstanding at any month-end 467,917 464,041 Average balance outstanding during the year 364,536 305,623 Weighted-average interest rate: As of year-end 5.40 % 5.56 % Paid during the year 3.11 % 2.14 % Average balances outstanding during the year represent daily average balances, and average interest rates represent interest expenses divided by the related average balance. The Company has one other (long-term) borrowing for $ 10.0 million at September 30, 2024 and no ne at September 30, 2023. The borrowing is from the FHLB and has an interest rate of 5.65 % and mature in February of 2025 . The FHLB long-term advances are secured by qualifying assets of the Bank, which include the FHLB stock, securities, and first mortgage loans.

Income Taxes

Income Taxes	12 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Income Taxes	8. INCOME TAXES The provision for income taxes consists of (in thousands): 2024 2023 Current: Federal $ 1,892 $ 4,183 State 9 59 Total current taxes 1,901 4,242 Deferred income tax expense 2,069 252 Total income tax provision $ 3,970 $ 4,494 The tax effects of deductible and taxable temporary differences that gave rise to significant portions of the deferred tax assets and deferred tax liabilities are as follows (in thousands): 2024 2023 Deferred tax assets: Allowance for credit losses $ 3,214 $ 3,890 Net unrealized loss on pension plan ( 502 ) — Investment losses subject to Section 382 limitation 1,348 1,516 Net unrealized loss on securities 2,044 4,659 Net unrealized loss on derivatives 204 — Deferred compensation 270 293 Other real estate owned 214 195 Nonaccrual interest 66 95 Employee stock ownership plan 618 596 Other 2,125 2,102 Total gross deferred tax assets 9,601 13,346 Deferred tax liabilities: Pension plan 1,228 1,152 Mortgage servicing rights 221 184 Premises and equipment 300 264 Net unrealized gain on derivatives — 2,118 Low income housing tax credits 1,217 1,164 Other 2,746 1,587 Total gross deferred tax liabilities 5,712 6,469 Net deferred tax assets $ 3,889 $ 6,877 The Company establishes a valuation allowance for deferred tax assets when management believes that the deferred tax assets are not likely to be realized either through a carryback to taxable income in prior years, future reversals of existing taxable temporary differences, and, to a lesser extent, future taxable income. Accounting principles prescribe a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. The Company recognizes, when applicable, interest and penalties related to unrecognized tax benefits in the provision for income taxes in the Consolidated Statement of Income. The Company’s federal and state income tax returns for taxable years through 2019 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue. The reconciliation of the federal statutory rate and the Company’s effective income tax rate is as follows (dollars in thousands): 2024 2023 Amount % of Amount % of Provision at statutory rate $ 4,402 21.0 % $ 4,845 21.0 % Income from bank-owned life insurance ( 196 ) ( 0.9 ) ( 165 ) ( 0.7 ) Tax-exempt income ( 366 ) ( 1.7 ) ( 317 ) ( 1.3 ) Low-income housing credits ( 34 ) ( 0.2 ) ( 36 ) ( 0.1 ) Other, net 164 0.6 167 0.6 Actual tax expense and effective rate $ 3,970 18.8 % $ 4,494 19.5 % The Bank is subject to the Pennsylvania Mutual Thrift Institutions Tax that is calculated at 11.5 percent of earnings based on U.S. generally accepted accounting principles with certain adjustments.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	9. COMMITMENTS AND CONTINGENT LIABILITIES In the normal course of business, management makes various commitments that are not reflected in the consolidated financial statements. These commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the Consolidated Balance Sheet. The Company’s exposure to credit loss in the event of nonperformance by the other parties to the financial instruments is represented by the contractual amounts as disclosed. Losses, if any, are charged to the allowance for credit losses. The Company minimizes its exposure to credit loss under these commitments by subjecting them to credit approval and review procedures and collateral requirements, as deemed necessary, in compliance with lending policy guidelines. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making and monitoring commitments and conditional obligations as it does for on-balance sheet instruments. As of September 30, 2024, the Company has an allowance for credit losses for off-balance sheet instruments of $ 1.4 million which is included in other liabilities section of the balance sheet. The off-balance sheet commitments consist of the following (in thousands): 2024 2023 Commitments to extend credit $ 122,909 $ 188,685 Standby and performance letters of credit 17,557 13,815 Unfunded lines of credit 126,619 114,350 Other off balance sheet liablities 151,000 — The commitments outstanding at September 30, 2024, contractually mature in less than one year . The instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the Consolidated Balance Sheet. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The amount of collateral obtained, as deemed necessary, is based upon management’s credit evaluation in compliance with the lending policy guidelines. Since many of the credit line commitments are expected to expire without being fully drawn upon, the total contractual amounts do not necessarily represent future funding requirements. Standby letters of credit and financial guarantees represent conditional commitments issued to guarantee performance of a customer to a third party. The coverage period for these instruments is typically a one-year period with renewal option subject to prior approval by management. Fees earned from the issuance of these letters are recognized over the coverage period. For secured letters of credit, the collateral is typically Company deposit instruments. The Company is required to maintain a reserve balance with certain third party providers. At September 30, 2024 the reserve balance was $ 1.2 million. Legal Proceedings 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 results of operations. The Company and its subsidiary, ESSA Bank and Trust (“ESSA B&T”) were named as defendants, among others, in an action commenced on December 8, 2016 by one plaintiff who sought to pursue the suit as a class action on behalf of the entire class of people similarly situated. The plaintiff alleged that a subsidiary of a bank previously acquired by the Company received unearned fees and kickbacks in the process of making loans, in violation of the Real Estate Settlement Procedures Act. In an order dated January 29, 2018, the district court granted the defendants’ motion to dismiss the case. The plaintiff appealed the court’s ruling. In an opinion and order dated April 26, 2019, the appellate court reversed the district court’s order dismissing the plaintiff’s case against the Company and remanded the case to the district court in order to continue the litigation. The litigation is now proceeding before the district court. On December 9, 2019, the court permitted an amendment to the complaint to add two new plaintiffs to the case asserting similar claims. On May 21, 2020, the court granted the plaintiffs’ motion for class certification. Fact and expert discovery were completed, and the Company and ESSA B&T filed motions seeking to have the case dismissed (in whole or in part) and/or the class de-certified, as well as for other relief. Plaintiffs opposed the motions. On August 18, 2023 the Court granted the motions to dismiss as to the Company and ESSA B&T, with the result that the only remaining defendant is a now-dissolved former wholly-owned subsidiary of a previously-acquired company. The Court also amended its class certification order, and severed one of the original plaintiffs’ claims from those of the class, ordering a separate trial for that plaintiff. Plaintiffs sought permission to appeal from these and other related rulings but the court denied their request. Plaintiffs have filed a motion seeking relief from some of the court’s prior orders. The Company and ESSA B&T will continue to vigorously defend against plaintiffs’ allegations. To the extent that this matter could result in exposure to the Company and/or ESSA B&T, the amount or range of such exposure is not currently estimable but could be substantial On May 29, 2020, the Company and ESSA B&T were named as defendants in a second action commenced by three plaintiffs who also sought to pursue the action as a class action on behalf of the entire class of people similarly situated. The plaintiffs allege that a subsidiary of a bank previously acquired by the Company received unearned fees and kickbacks from a different title company than the one involved in the previously discussed litigation in the process of making loans. The original complaint alleged violations of the Real Estate Settlement Procedures Act, the Sherman Act, and the Racketeer Influenced and Corrupt Organizations Act (“RICO”). The plaintiffs filed an Amended Complaint on September 30, 2020 that dropped the RICO claim, but they are continuing to pursue the Real Estate Settlement Procedures Act and Sherman Act claims. The defendants moved to dismiss the Sherman Act claim on October 14, 2020, and that motion was denied on April 2, 2021. On March 13, 2023 the court granted plaintiffs’ motion for class certification. The case is currently in the discovery phase. The Company and ESSA B&T intend to vigorously defend against plaintiffs’ allegations. To the extent that this matter could result in exposure to the Company and/or ESSA B&T, the amount or range of such exposure is not currently estimable but could be substantial.

Leases

Leases	12 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Leases	10. LEASES A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. The Company accounts for all its leases in accordance with Topic 842. For the Company, Topic 842 primarily affects the accounting treatment for operating lease agreements in which the Company is the lessee. Lessee Accounting Substantially all of the leases in which the Company is the lessee are comprised of real estate property for branches, ATM locations, and office space with terms extending through 2044 . All of our leases are classified as operating leases on the Company’s Consolidated Balance Sheet for both periods. The following table presents the Consolidated Balance Sheet classification of the Company’s right-of-use assets and lease liabilities. The Company elected not to include short-term leases (i.e., leases with initial terms of twelve months or less), or equipment leases (deemed immaterial) on the Consolidated Balance sheet. (in thousands) September 30, 2024 Lease Right-of-Use Assets Classification Operating lease right-of-use assets Other assets $ 5,697 Total Lease Right-Of-Use Assets $ 5,697 (in thousands) September 30, 2024 Lease Liabilities Classification Operating lease liabilities Other liabilities $ 5,985 Total Lease Liabilities $ 5,985 (in thousands) September 30, 2023 Lease Right-of-Use Assets Classification Operating lease right-of-use assets Other assets $ 6,046 Total Lease Right-Of-Use Assets $ 6,046 (in thousands) September 30, 2023 Lease Liabilities Classification Operating lease liabilities Other liabilities $ 6,288 Total Lease Liabilities $ 6,288 The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. September 30, 2024 Weighted average remaining lease term Operating leases 10.9 years Weighted average discount rate Operating leases 3.48 % September 30, 2023 Weighted average remaining lease term Operating leases 11.7 years Weighted average discount rate Operating leases 3.29 % The following table represents lease costs and other lease information. As the Company elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance and utilities. Lease Costs (in thousands) Twelve Months Ended September 30, 2024 Operating lease cost $ 1,109 Variable lease cost 337 Net lease cost $ 1,446 Lease Costs (in thousands) Twelve Months Ended September 30, 2023 Operating lease cost $ 977 Variable lease cost 245 Net lease cost $ 1,222 Future minimum payments for leases with initial or remaining terms of one year or more as of September 30, 2024 were as follows: (in thousands) Leases Twelve months Ended: September 30, 2025 $ 909 September 30, 2026 870 September 30, 2027 728 September 30, 2028 708 September 30, 2029 513 Thereafter 3,567 Total future minimum lease payments 7,295 Amounts representing interest ( 1,310 ) Present Value of Net Future Minimum Lease Payments $ 5,985

Employee Benefits

Employee Benefits	12 Months Ended
	Sep. 30, 2024
Postemployment Benefits [Abstract]
Employee Benefits	11. EMPLOYEE BENEFITS Employee Stock Ownership Plan (“ESOP”) The Company created an ESOP for the benefit of employees who meet the eligibility requirements, which include having completed one year of service with the Company or its subsidiary and attained age 21 . The ESOP trust acquired 1,358,472 shares of the Company’s stock in 2007 from proceeds from a loan with the Company. The Company makes cash contributions to the ESOP on an annual basis sufficient to enable the ESOP to make the required loan payments. Cash dividends paid on allocated shares are distributed to participants and cash dividends paid on unallocated shares are used to repay the outstanding debt of the ESOP. The ESOP trust’s outstanding loan bears interest at prime, adjustable each January 1 st , which was 8.50 % at September 30, 2024 and requires an annual payment of principal and interest through December of 2036 . The Company’s ESOP, which is internally leveraged, does not report the loans receivable extended to the ESOP as assets and does not report the ESOP debt due to the Company. As the debt is repaid, shares are released from the collateral and allocated to qualified employees based on the proportion of payments made during the year to the remaining amount of payments due on the loan through maturity. Accordingly, the shares pledged as collateral are reported as unallocated common stock held by the ESOP shares in the Consolidated Balance Sheet. As shares are released from collateral, the Company reports compensation expense equal to the current market price of the shares, and the shares become outstanding for earnings-per-share computations. The Company recognized ESOP expense of $ 797,000 for the years ended September 30, 2024 and 2023. The following table presents the components of the ESOP shares: 2024 2023 Allocated shares 425,508 411,696 Shares committed to be released 33,962 33,962 Unreleased shares 554,709 599,992 Total ESOP shares 1,014,179 1,045,650 Fair value of unreleased shares (in thousands) $ 11,314 $ 9,516 Equity Incentive Plan The Company previously maintained the ESSA Bancorp, Inc. 2007 Equity Incentive Plan (the “Plan”). The Plan provided for a total of 2,377,326 shares of common stock for issuance upon the grant or exercise of awards. Of the shares available under the Plan, 1,698,090 were available to be issued in connection with the exercise of stock options and 679,236 were available to be issued as restricted stock. The Plan allowed for the granting of non-qualified stock options (“NSOs”), incentive stock options (“ISOs”), and restricted stock. Options under the plan were granted at no less than the fair value of the Company’s common stock on the date of the grant. As of the effective date of the 2016 Equity Incentive Plan (detailed below), no further grants will be made under the plan and forfeitures of outstanding awards under the plan will be added to the shares available under the 2016 Equity Incentive Plan. The Company replaced the 2007 Equity Incentive Plan with the ESSA Bancorp, Inc. 2016 Equity Incentive Plan (the “2016 Plan”). The 2016 Plan provides for a total of 250,000 shares of common stock for issuance upon the grant or exercise of awards. The 2016 Plan allows for the granting of restricted stock, restricted stock units, incentive stock options and non-qualified stock options. The Company replaced the 2016 Equity Incentive Plan with the ESSA Bancorp, Inc. 2024 Equity Incentive Plan (the “2024 Plan”). The 2024 Plan which was approved by shareholders on March 7, 2024, provides for a total of 200,000 shares of common stock for issuance upon the grant or exercise of awards. The 2024 Plan allows for the granting of restricted stock, restricted stock units, incentive stock options and non-qualified stock options. The Company classifies share-based compensation for employees and outside directors within “Compensation and employee benefits” in the Consolidated Statement of Income to correspond with the same line item as compensation paid. Restricted stock shares outstanding at September 30, 2024 vest over periods ranging from 1 year to 3 years . The product of the number of shares granted and the grant date market price of the Company’s common stock determines the fair value of restricted shares under the Company’s restricted stock plan. The Company expenses the fair value of all share based compensation grants over the requisite service period. During the years ended September 30, 2024 and 2023, the Company recorded $ 568,000 and $ 560,000 of share-based compensation expense consisting of restricted stock expense. Expected future compensation expense relating to the restricted shares outstanding, at September 30, 2024 is $ 567,000 over the remaining vesting period of 3.0 years. The following is a summary of the status of the Company’s nonvested restricted stock as of September 30, 2024, and changes therein during the year then ended: Number of Stock Weighted- Nonvested at September 30, 2023 32,512 $ 17.03 Granted 40,586 14.85 Vested ( 37,435 ) 15.18 Forfeited ( 833 ) 15.01 Nonvested at September 30, 2024 34,830 $ 16.53 Defined Benefit Plan The Bank sponsors a trusteed, noncontributory defined benefit pension plan covering substantially all employees and officers. The plan calls for benefits to be paid to eligible employees at retirement based primarily upon years of service with the Bank and compensation rates near retirement. The Bank’s funding policy is to make annual contributions, if needed, based upon the funding formula developed by the plan’s actuary. In February 2017, the Bank amended the defined benefit pension plan to provide that no additional participants would enter the plan and no additional benefits would accrue beyond February 28, 2017. The following table sets forth the change in plan assets and benefit obligation at September 30 (in thousands): 2024 2023 Change in benefit projected obligation: Projected benefit obligation at beginning of year $ 12,196 $ 12,776 Service cost - - Interest cost 687 656 Actuarial (gains) losses 578 ( 568 ) Benefits paid ( 636 ) ( 668 ) Projected benefit obligation at end of year 12,825 12,196 Change in plan assets: Fair value of plan assets at beginning of year 17,769 16,551 Actual return on plan assets 3,932 1,886 Contributions - - Benefits paid ( 636 ) ( 668 ) Fair value of plan assets at end of year 21,065 17,769 Funded status $ 8,240 $ 5,573 Amounts not yet recognized as a component of net periodic pension cost at September 30 (in thousands): 2024 2023 Amounts recognized in accumulated other comprehensive Net (gain) loss $ ( 2,394 ) $ ( 85 ) The accumulated benefit obligation for the defined benefit pension plan was $ 12.8 million and $ 12.2 million at September 30, 2024 and 2023, respectively. The following table comprises the components of net periodic benefit cost for the years ended September 30 (in thousands): 2024 2023 Service cost $ - $ - Interest cost 687 656 Expected return on plan assets ( 1,045 ) ( 968 ) Recognized net actuarial loss - - Settlement loss - - Net periodic benefit $ ( 358 ) $ ( 312 ) Weighted-average assumptions used to determine benefit obligations for the years ended September 30: 2024 2023 Discount rate 4.91 % 5.80 % Rate of compensation increase N/A N/A Weighted-average assumptions used to determine net periodic benefit cost for the years ended September 30: 2024 2023 Discount rate 5.80 % 5.31 % Expected long-term return on plan assets 6.00 % 6.00 % Rate of compensation increase N/A N/A The expected long-term rate of return was estimated using market benchmarks by which the plan assets would outperform the market in the future, based on historical experience adjusted for changes in asset allocation and expectations for overall lower future returns on similar investments compared with past periods. Plan Assets The following tables set forth by level, within the fair value hierarchy, the plan’s financial assets at fair value as of September 30, 2024 and 2023 (in thousands): September 30, 2024 Level I Level II Level III Total Investment in collective trusts: Fixed income $ - $ 8,342 $ - $ 8,342 Equity - 12,681 - 12,681 Investment in short-term investments - 42 - 42 Total assets at fair value $ - $ 21,065 $ - $ 21,065 September 30, 2023 Level I Level II Level III Total Investment in collective trusts: Fixed income $ - $ 7,081 $ - $ 7,081 Equity - 10,661 - 10,661 Investment in short-term investments - 27 - 27 Total assets at fair value $ - $ 17,769 $ - $ 17,769 Investments in collective trusts and short-term investments are valued at the net asset value of shares held by the plan. The Bank’s defined benefit pension plan weighted-average asset allocations at September 30, 2024 and 2023 by asset category, are as follows: September 30, Asset Category 2024 2023 Fixed income securities 39.6 % 39.8 % Equity securities 60.2 60.0 Other 0.2 0.2 Total 100.0 % 100.0 % The Bank believes that the plan’s risk and liquidity position are, in large part, a function of the asset class mix. The Bank desires to utilize a portfolio mix that results in a balanced investment strategy. Three asset classes are outlined, as above. The target allocations of these classes are as follows: equity securities, 65 percent, and cash and fixed income securities, 35 percent. Cash Flows The Bank does no t expect to make any contributions to its pension plan in fiscal 2024. Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows (in thousands): 2025 $ 1,340 2026 813 2027 1,390 2028 632 2029 447 2030-2034 3,009 401(k) Plan The Bank also has a savings plan qualified under Section 401(k) of the Internal Revenue Code, which covers substantially all employees over 21 years of age. Employees can contribute to the plan, but are not required to. Employer contributions were reinstated in March 2017. Employer contributions are allocated based on employee contribution levels. The expense related to the plan for the year ended September 30, 2024 and 2023 was $ 546,000 and $ 517,000 , respectively. Supplemental Executive Retirement Plan The Bank maintains a salary continuation agreement with certain executives of the Bank, which provides for benefits upon retirement to be paid to the executive for no less than 192 months, unless the executive elects to receive the present value of the payments as a lump sum. The Bank has recorded accruals of $ 3.0 million and $ 3.0 million at September 30, 2024 and 2023, respectively which represent the estimated present value (using a discount rate of 6.00 percent) of the benefits earned under this agreement. There was $ 233,000 and $ 391,000 in expense related to the supplemental executive retirement plan for the years ended September 30, 2024 and 2023, respectively.

Regulatory Restrictions

Regulatory Restrictions	12 Months Ended
	Sep. 30, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Restrictions	12. REGULATORY RESTRICTIONS Reserve Requirements The Bank is required to maintain reserve funds in cash or in deposit with the Federal Reserve Bank. The Federal Reserve Bank reduced the reserve requirement to zero effective March 26, 2020. As a result, there was no required reserve at September 30, 2024 and 2023. Dividend Restrictions Federal banking laws, regulations, and policies limit the Bank’s ability to pay dividends to the Company. Dividends may be declared and paid by the Bank only out of net earnings for the then current year. A dividend may not be declared or paid if it would impair the general reserves of the Bank as required to be maintained under the Pennsylvania Banking.

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Sep. 30, 2024
Banking and Thrift, Other Disclosure [Abstract]
Regulatory Capital Requirements	13. REGULATORY CAPITAL REQUIREMENTS Federal regulations require the Bank and the Company to maintain certain minimum amounts of capital. Specifically, the Bank is required to maintain certain minimum dollar amounts and ratios of Total and Tier 1 capital to risk-weighted assets, of Tier 1 capital to average total assets, and common equity Tier 1 capital to risk-weighted assets. Bank holding companies are generally subject to statutory capital requirements, which were implemented by certain of the new capital regulations described above that became effective on January 1, 2015. However, the Small Banking Holding Company Policy Statement exempts certain small bank holding companies like the Company from those requirements provided that they meet certain conditions. In addition to the capital requirements, the Federal Deposit Insurance Corporation Improvement Act (“FDICIA”) established five capital categories ranging from “well capitalized” to “critically undercapitalized.” Should any institution fail to meet the requirements to be considered “adequately capitalized,” it would become subject to a series of increasingly restrictive regulatory actions. Management believes that, as of September 30, 2024, the Bank met all capital adequacy requirements to which it is subject. As of September 30, 2024, and 2023, the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be classified as a well-capitalized financial institution, Total risk-based, Tier 1 risk-based, common equity Tier 1 capital and Tier 1 leverage capital must be at least 10 percent, 8 percent, 6.5 percent, and 5 percent, respectively. There have been no conditions or events since the notification that management believes have changed the Bank’s or the Company’s category. The Bank’s actual capital ratios for the years ended September 30 are presented in the following table (dollars in thousands): 2024 2023 Amount Ratio Amount Ratio Total capital (to risk-weighted assets) Actual $ 232,615 14.2 % $ 224,683 13.0 % For capital adequacy purposes 130,883 8.0 138,582 8.0 To be well capitalized 163,604 10.0 173,228 10.0 Tier 1 capital (to risk-weighted assets) Actual $ 215,933 13.2 % $ 206,106 11.9 % For capital adequacy purposes 98,162 6.0 103,937 6.0 To be well capitalized 130,883 8.0 138,582 8.0 Common equity tier 1 capital (to risk-weighted assets) Actual $ 215,933 13.2 % $ 206,106 11.9 % For capital adequacy purposes 73,622 4.5 77,953 4.5 To be well capitalized 106,342 6.5 112,598 6.5 Tier 1 capital (to adjusted assets) Actual $ 215,933 10.0 % $ 206,106 9.4 % For capital adequacy purposes 65,442 4.0 87,671 4.0 To be well capitalized 81,802 5.0 109,589 5.0

Fair Value

Fair Value	12 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value	14. FAIR VALUE The following disclosures show the hierarchal disclosure framework associated within the level of pricing observations utilized in measuring assets and liabilities at fair value. The definition of fair value maintains the exchange price notion in earlier definitions of fair value but focuses on the exit price of the asset or liability. The exit price is the price that would be received to sell the asset or paid to transfer the liability adjusted for certain inherent risks and restrictions. Expanded disclosures are also required about the use of fair value to measure assets and liabilities. Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis The following tables provide the fair value for assets and liabilities required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheet as of September 30, 2024 and September 30, 2023 by level within the fair value hierarchy (in thousands). Reoccurring Fair Value Measurements at Reporting Date September 30, 2024 Level I Level II Level III Total Assets: Investment securities available for sale: Mortgage-backed securities $ - $ 122,225 $ - $ 122,225 Obligations of states and political subdivisions - 8,791 - 8,791 U.S. government agency securities - 6,266 - 6,266 Corporate obligations - 66,561 4,556 71,117 Other debt securities - 7,470 - 7,470 Total debt securities - 211,313 4,556 215,869 Equity securities - financial services 26 - - 26 Derivatives and hedging activities - 8,203 - 8,203 Liabilities: Derivatives and hedging activities - 9,183 - 9,183 Reoccurring Fair Value Measurements at Reporting Date September 30, 2023 Level I Level II Level III Total Assets: Investment securities available for sale: Mortgage-backed securities $ - $ 100,331 $ - $ 100,331 Obligations of states and political subdivisions - 9,052 - 9,052 U.S. government treasury securities - 123,580 - 123,580 U.S. government agency securities - 28,952 - 28,952 Corporate obligations - 62,885 2,836 65,721 Other debt securities - 6,420 - 6,420 Total debt securities - 331,220 2,836 334,056 Equity securities - financial services 32 - - 32 Derivatives and hedging activities - 19,662 - 19,662 Liabilities: Derivatives and hedging activities - 9,579 - 9,579 The following tables present a summary of changes in the fair value of the Company’s Level III investments for years ended September 30, 2024 and 2023 (in thousands). Fair Value Measurement Using September 30, September 30, Beginning balance $ 2,836 $ 7,374 Purchases, sales, issuances, settlements, net - - Total unrealized gain: Included in earnings - - Included in other comprehensive income 15 ( 188 ) Transfers into Level III 1,705 - Transfers out of Level III - ( 4,350 ) $ 4,556 $ 2,836 Each financial asset and liability is identified as having been valued according to a specified level of input, 1, 2 or 3. Level 1 inputs are quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date. Fair values determined by Level 2 inputs utilize inputs other than quoted prices included in Level 1 that are observable for the asset, either directly or indirectly. Level 2 inputs include quoted prices for similar assets in active markets, and inputs other than quoted prices that are observable for the asset or liability. Level 3 inputs are unobservable inputs for the asset, and include situations where there is little, if any, market activity for the asset or liability. In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair value hierarchy, within which the fair value measurement in its entirety falls, has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset. The measurement of fair value should be consistent with one of the following valuation techniques: market approach, income approach, and/or cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities (including a business). For example, valuation techniques consistent with the market approach often use market multiples derived from a set of comparable. Multiples might lie in ranges with a different multiple for each comparable. The selection of where within the range the appropriate multiple falls requires judgment, considering factors specific to the measurement (qualitative and quantitative). Valuation techniques consistent with the market approach include matrix pricing. Matrix pricing is a mathematical technique used principally to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on a security’s relationship to other benchmark quoted securities. Most of the securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Securities reported at fair value utilizing Level 1 inputs are limited to actively traded equity securities whose market price is readily available from the New York Stock Exchange or the NASDAQ exchange. A few securities are valued using Level 3 inputs, all of these are classified as available for sale and are reported at fair value using Level 3 inputs. Assets and Liabilities Required to be Measured and Reported on a Non-Recurring Basis The following tables provide the fair value for assets required to be measured and reported at fair value on a non recurring basis on the Consolidated Balance Sheet as of September 30, 2024 and September 30, 2023 by level within the fair value hierarchy: September 30, 2024 Level I Level II Level III Total Financial assets: Foreclosed real estate owned $ - $ - $ 3,195 $ 3,195 Individually evaluated loans held for investment - - 7,615 7,615 September 30, 2023 Level I Level II Level III Total Financial assets: Foreclosed real estate owned $ - $ - $ 3,311 $ 3,311 Impaired loans - - 9,693 9,693 The following tables present additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information About Level III Fair Value Measurements Fair Value Valuation Unobservable Range Average) September 30, 2024 Individually evaluated loans held for investment $ 7,615 Appraisal of (1) Appraisal (2) 0 % to 35 % 20.9 %) Foreclosed real estate owned 3,195 Appraisal of (1) Appraisal (2) 10 % 10.0 %) September 30, 2023 Impaired loans $ 9,693 Appraisal of (1) Appraisal (2) 0 % to 35 % 20.8 %) Foreclosed real estate owned 3,311 Appraisal of (1) Appraisal (2) 10 to 35 % 10.2 %) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. Investment Securities Available for Sale The fair value of securities available for sale are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1), or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices. For certain securities which are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence (Level 3). In the absence of such evidence, management’s best estimate is used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Internal cash flow models using a present value formula that includes assumptions market participants would use along with indicative exit pricing obtained from broker/dealers (where available) are used to support fair values of certain Level 3 investments, if applicable. Equity Securities The fair value of equity securities are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1). Individually Analyzed Loans (generally carried at fair value) The Company has measured impairment on individually evaluated loans generally based on the fair value of the loan’s collateral. Individually evaluated loans are evaluated on the collateral method based on Level II inputs utilizing outside appraisals. Those individually evaluated loans for which management incorporates significant adjustments for sales costs and other discount assumptions regarding market conditions are considered Level III fair values. The fair value investment in individually analyzed loans totaled $ 7.6 million less their valuation allowances of $ 2,000 at September 30, 2024. The fair value consists of the loan balances of $ 9.7 million less their valuation allowances of $ 42,000 at September 30, 2023. Foreclosed Real Estate Owned Foreclosed real estate owned is measured at fair value, less cost to sell at the date of foreclosure; valuations are periodically performed by management; and the assets are carried at fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from foreclosed real estate. Derivatives The Company’s objectives in using interest rate derivatives are to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company has entered into interest rate swaps as part of its interest rate risk management strategy. These interest rate swaps are designated as cash flow hedges and involve the receipt of variable rate amounts from a counterparty in exchange for the Company making fixed payments. The fair value of the swap asset and liability is based on an external derivative model using data inputs as of the valuation date and are classified Level 2. Assets and Liabilities not Required to be Measured and Reported at Fair Value The methods and assumptions used by the Company in estimating fair values of financial instruments at September 30, 2024 and 2023 is in accordance with ASC Topic 825, Financial Instruments which requires public entities to use exit pricing in the calculations of the tables below. September 30, 2024 Carrying Level I Level II Level III Total Financial assets: Loans receivable, net $ 1,744,284 $ - $ - $ 1,635,032 $ 1,635,032 Mortgage servicing rights 1,051 - - 1,450 1,450 Investment securities held to maturity 47,378 - 41,519 - 41,519 Financial liabilities: Deposits 1,629,051 1,046,990 - 581,842 1,628,832 Short-term borrowings 280,000 - - 280,631 280,631 Other borrowings 10,000 - - 10,042 10,042 September 30, 2023 Carrying Level I Level II Level III Total Financial assets: Loans receivable, net $ 1,680,525 $ - $ - $ 1,524,615 $ 1,524,615 Mortgage servicing rights 874 - - 1,470 1,470 Investment securities held to maturity 52,242 - 42,090 - 42,090 Financial liabilities: Deposits 1,661,016 1,157,045 - 499,101 1,656,146 Short-term borrowings 374,652 - - 364,291 364,291 For Cash and Cash Equivalents, Accrued Interest Receivable, Regulatory Stock, Bank Owned Life Insurance, Advances by Borrowers for Taxes and Insurance, and Accrued Interest Payable the carrying value is a reasonable estimate of the fair value and are considered Level 1 measurements. The fair value approximates the current book value.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Sep. 30, 2024
Equity [Abstract]
Accumulated Other Comprehensive Income (Loss)	15. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The activity in accumulated other comprehensive loss for the years ended September 30, 2024 and 2023, is as follows (in thousands): Accumulated Other Comprehensive Loss (1) Defined Unrealized Derivatives Total Balance at September 30, 2023 $ 66 $ ( 17,525 ) $ 7,966 $ ( 9,493 ) Other comprehensive income (loss) before 1,825 9,840 ( 1,659 ) 10,006 Amounts reclassified from accumulated other - - ( 7,078 ) ( 7,078 ) Period change 1,825 9,840 ( 8,737 ) 2,928 Balance at September 30, 2024 $ 1,891 $ ( 7,685 ) $ ( 771 ) $ ( 6,565 ) Balance at September 30, 2022 $ ( 1,108 ) $ ( 13,879 ) $ 12,093 $ ( 2,894 ) Other comprehensive income (loss) before 1,174 ( 3,742 ) 3,079 511 Amounts reclassified from accumulated other - 96 ( 7,206 ) ( 7,110 ) Period change 1,174 ( 3,646 ) ( 4,127 ) ( 6,599 ) Balance at September 30, 2023 $ 66 $ ( 17,525 ) $ 7,966 $ ( 9,493 ) (1) All amounts are net of tax. Related income tax expense or benefit is calculated using an income tax rate approximating 21 % in Fiscal 2024 and 2023. Details About Accumulated Other Comprehensive Amount Reclassified from (3) Affected Line Item (in thousands) 2024 2023 Statement of Income Securities available for sale (1) : Net securities gains reclassified into $ - $ ( 121 ) Gain on sale of investment securities, net Related income tax expense - 25 Income taxes Net effect on accumulated other - ( 96 ) Derivatives and Hedging Activities (2) : Interest expense, effective portion 8,960 9,122 Interest expense Related income tax expense ( 1,882 ) ( 1,916 ) Income taxes Net effect on accumulated other 7,078 7,206 Total reclassifications for the period $ 7,078 $ 7,110 (1) For additional details related to unrealized gains on securities and related amounts reclassified from accumulated other comprehensive income (loss) see Note 3, “Investment Securities.” (2) For additional details related to derivative financial instruments see Note16, “Derivatives and Hedging Activities.” (3) Amounts in parenthesis indicate debits.

Derivatives and Hedging Activit

Derivatives and Hedging Activities	12 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives and Hedging Activities	16. DERIVATIVES AND HEDGING ACTIVITIES Risk Management Objective of Using Derivatives The Company is exposed to certain risk arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company’s known or expected cash receipts and its known or expected cash payments. Fair Values of Derivative Instruments on the Consolidated Balance Sheet The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Balance Sheet as of September 30, 2024 and 2023, (in thousands). Fair Values of Derivative Instruments Asset Derivatives As of September 30, 2024 As of September 30, 2023 Hedged Item Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value FHLB Advances 125,000 Derivative and hedging assets 2,375 230,000 Derivative and hedging assets 10,086 Commercial Loans 97,089 Derivative and hedging assets 5,828 86,265 Derivative and hedging assets 9,576 Total derivatives designated as hedging $ 222,089 $ 8,203 $ 316,265 $ 19,662 Fair Values of Derivative Instruments Liability Derivatives As of September 30, 2024 As of September 30, 2023 Hedged Item Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value FHLB Advances 255,000 Derivative and hedging liabilities 3,348 - Derivative and hedging liabilities - Commercial Loans 127,497 Derivative and hedging liabilities 5,835 117,516 Derivative and hedging liabilities 9,579 Total derivatives designated as hedging $ 382,497 $ 9,183 $ 117,516 $ 9,579 Cash Flow Hedges of Interest Rate Risk The Company’s objectives in using interest rate derivatives are to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company has entered into interest rate swaps as part of its interest rate risk management strategy. These interest rate swaps are designated as cash flow hedges and involve the receipt of variable rate amounts from a counterparty in exchange for the Company making fixed payments. As of September 30, 2024, the Company had 17 interest rate swaps with a notional of $ 380 million associated with the Company’s cash outflows associated with various FHLB advances and 48 interest rate swaps with a notional amount of $ 225 million associated with commercial loans. As of September 30, 2023, the Company had ten interest rate swaps with a notional of $ 230 million associated with the Company’s cash outflows associated with various brokered deposits and $ 204 million associated with commercial loans. For derivatives designated as cash flow hedges, the effective portion of changes in the fair value of the derivative is initially reported in other comprehensive income (outside of earnings), net of tax, and subsequently reclassified to earnings when the hedged transaction affects earnings, and the ineffective portion of changes in the fair value of the derivative is recognized directly in earnings. The Company assesses the effectiveness of each hedging relationship by comparing the changes in cash flows of the derivative hedging instrument with the changes in cash flows of the designated hedged transactions. The Company did not recognize any hedge ineffectiveness in earnings during the periods ended September 30, 2024 and 2023. Amounts reported in accumulated other comprehensive income related to derivatives will be reclassified to interest income/expense as interest payments are made/received on the Company’s variable-rate assets/liabilities. During the 12 months ended September 30, 2024 and 2023, the Company had $ 9.0 million and $ 9.1 million in gains, classified to interest expense, respectively. During the next twelve months, the Company estimates that $ 1.7 million will be reclassified as a decrease in interest expense. The table below presents the effect of the Company’s cash flow hedge accounting on Accumulated Other Comprehensive Income for the periods ended September 30, 2024 and 2023 (in thousands). The Effect of Fair Value and Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income Derivatives in Hedging Relationships Amount of (Loss) Gain Recognized in OCI Amount of Gain Reclassified from Year Ended Year Ended Location of Gain Year Ended Year Ended 2024 2023 Accumulated OCI 2024 2023 Derivatives in Cash Flow Hedging Relationships Interest Rate Products $ ( 11,063 ) $ ( 5,222 ) Interest Expense $ 8,960 $ 9,122 Total $ ( 11,063 ) $ ( 5,222 ) $ 8,960 $ 9,122 Credit-risk-related Contingent Features The Company has agreements with its derivative counterparties that contain a provision where if the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. The Company also has agreements with certain of its derivative counterparties that contain a provision where if the Company fails to maintain its status as a well / adequately capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. As of September 30, 2024 and 2023 the Company had derivatives in a net asset position and was not required to post collateral against its obligations under these agreements. If the Company had breached any of these provisions at September 30, 2024 and 2023, it could have been required to settle its obligations under the agreements at the termination value.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Revenue Recognition	17. REVENUE RECOGNITION The Company accounts for its applicable revenue in accordance with ASC Topic 606 – Revenue from Contracts with Customers. The core principle of Topic 606 is that an entity recognize revenue at an amount that reflects the consideration to which the entity expects to be entitled in exchange for transferring goods or services to a customer. Topic 606 requires entities to exercise judgment when considering the terms of a contract. Topic 606 applies to all contracts with customers to provide goods or services in the ordinary course of business, except for contracts that are specifically excluded from its scope. Topic 606 does not apply to revenue associated with interest income on financial instruments, including loans and securities. Additionally, certain noninterest income streams, such as income from bank-owned life insurance, gains on loans sold, and gains and losses on sales of debt and equity securities, are out of scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation beyond what is presented in the Consolidated Statement of Income was not necessary. The main types of non interest income within the scope of the standard are: Trust and Investment Fees Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days after month end through a direct charge to customer’s accounts. The Company does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e. as incurred). Payment is received shortly after services are rendered. Service Charges on Deposit Accounts Service charges on deposit accounts consist of account analysis fees (i.e. net fees earned on analyzed business and public checking accounts), monthly service fees, check orders, and other deposit account related fees. The Company’s performance obligation for account analysis fees and monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. Fees, Exchange, and Other Service Charges Fees, interchange, and other service charges are primarily comprised of debit card income, ATM fees, cash management income, and other services charges. Debit card income is primarily comprised of interchange fees earned whenever the Company’s debit cards are processed through card payment networks such as Mastercard. ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a company ATM. Other service charges include revenue from processing wire transfers, bill pay service, cashier’s checks, and other services. The Company’s performance obligation for fees, exchange, and other service charges are largely satisfied, and related revenue recognized when the services are rendered or upon completion. Payment is typically received immediately or in the following month. Insurance Commissions Insurance income primarily consists of commissions received on product sales. The Company acts as an intermediary between the Company’s customer and the insurance carrier. The Company’s performance obligation is generally satisfied upon the issuance of the policy. Shortly after the policy is issued, the carrier remits the commission payment to the Company, and the Company recognizes the revenue.

Parent Company

Parent Company	12 Months Ended
	Sep. 30, 2024
Condensed Financial Information Disclosure [Abstract]
Parent Company	18. PARENT COMPANY Condensed financial statements of ESSA Bancorp, Inc. are as follows (in thousands): CONDENSED BALANCE SHEET September 30, 2024 2023 ASSETS Cash and due from banks $ 3,714 $ 5,564 Equity securities 26 32 Investment in subsidiary 223,169 210,505 Premises and equipment, net 371 381 Other assets 3,314 3,377 TOTAL ASSETS $ 230,594 $ 219,859 LIABILITIES AND STOCKHOLDERS’ EQUITY Other liabilities $ 173 $ 151 Stockholders’ equity 230,421 219,708 TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 230,594 $ 219,859 CONDENSED STATEMENT OF INCOME Year Ended September 30, 2024 2023 INCOME Interest income $ 937 $ 718 Unrealized (loss) gain on equity securities ( 6 ) 4 Dividends 8,000 6,000 Other 15 - Total income 8,946 6,722 EXPENSES Professional fees 466 657 Other 30 30 Total expenses 496 687 Income before income tax benefit 8,450 6,035 Income tax benefit 96 7 Income before equity in undistributed net earnings of subsidiary 8,354 6,028 Equity in undistributed net earnings of subsidiary 8,638 12,548 NET INCOME $ 16,992 $ 18,576 COMPREHENSIVE INCOME $ 19,920 $ 11,977 CONDENSED STATEMENT OF CASH FLOWS Year Ended September 30, 2024 2023 OPERATING ACTIVITIES Net income $ 16,992 $ 18,576 Adjustments to reconcile net income to net cash provided by Equity in undistributed net earnings of subsidiary ( 8,638 ) ( 12,548 ) Provision for depreciation 10 10 Increase in accrued income taxes ( 96 ) ( 1,443 ) Increase in accrued interest receivable - ( 248 ) Other, net 850 721 Net cash provided by operating activities 9,118 5,068 FINANCING ACTIVITIES Purchase of treasury stock shares ( 5,063 ) - Dividends on common stock ( 5,905 ) ( 5,859 ) Net cash used for financing activities ( 10,968 ) ( 5,859 ) Decrease in cash ( 1,850 ) ( 791 ) CASH AT BEGINNING OF YEAR 5,564 6,355 CASH AT END OF YEAR $ 3,714 $ 5,564

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Nature of Operations and Basis of Presentation	Nature of Operations and Basis of Presentation The consolidated financial statements include the accounts of ESSA Bancorp, Inc. (the “Company”), its wholly owned subsidiary, ESSA Bank & Trust (the “Bank”), and the Bank’s wholly owned subsidiaries, ESSACOR Inc.; Pocono Investments Company; ESSA Advisory Services, LLC; Integrated Financial Corporation; and Integrated Abstract Incorporated, a wholly owned subsidiary of Integrated Financial Corporation. The primary purpose of the Company is to act as a holding company for the Bank. The Bank’s primary business consists of the taking of deposits and granting of loans to customers generally in Monroe, Northampton, Lehigh, Lackawanna, Luzerne, Delaware, Chester, and Montgomery counties, Pennsylvania. The Bank is subject to regulation and supervision by the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation. The investment in subsidiary on the parent company’s financial statements is carried at the parent company’s equity in the underlying net assets. ESSACOR, Inc. is a Pennsylvania corporation that has been used to purchase properties at tax sales that represent collateral for delinquent loans of the Bank. Pocono Investment Company is a Delaware corporation formed as an investment company subsidiary to hold and manage certain investments, including certain intellectual property. ESSA Advisory Services, LLC is a Pennsylvania limited liability company owned 100 percent by ESSA Bank & Trust. ESSA Advisory Services, LLC is a full-service insurance benefits consulting company offering group services such as health insurance, life insurance, short-term and long-term disability, dental, vision, and 401(k) retirement planning as well as individual health products. Integrated Financial Corporation is a Pennsylvania Corporation that provided investment advisory services to the general public and is currently inactive. Integrated Abstract Incorporated is a Pennsylvania Corporation that provided title insurance services and is currently inactive. All significant intercompany accounts and transactions have been eliminated in consolidation.
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements The accounting principles followed by the Company and its subsidiary and the methods of applying these principles conform to U.S. generally accepted accounting principles and to general practice within the banking industry. In preparing the consolidated financial statements, the Company is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the Consolidated Balance Sheet date and related revenues and expenses for the period. Actual results could differ from those estimates.
Securities	Securities The Company determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each balance sheet date. Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time but not necessarily to maturity. Any decision to sell a security classified as available for sale would be based on various factors, including significant movement in interest rates, changes in maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations, and other similar factors. Securities available for sale are carried at fair value. Unrealized gains and losses are reported in other comprehensive income (loss), net of the related deferred tax effects. Realized gains or losses, determined on the basis of the cost of the specific securities sold, are included in earnings. Premiums and discounts are recognized in interest income using the interest method over the period to maturity. Securities classified as held-to-maturity are those that the Company has the positive intent and ability to hold until maturity. These securities are reported at amortized cost. Prior to adopting ASU 2016-13, declines in the fair value of securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, the Company considers: (1) the length of time and the extent to which the fair value has been less than cost; (2) the financial condition and near-term prospects of the issuer; and (3) the Company’s intent to sell the security or whether it’s more likely than not that the Company would be required to sell the security before its anticipated recovery in market value. The fair market value of the equity securities tends to fluctuate with the overall equity markets as well as the trends specific to each institution. The equity securities portfolio is reviewed in a similar manner as that of the debt securities with greater emphasis placed on the length of time the market value has been less than the carrying value and the financial sector outlook. The Company also reviews dividend payment activities, levels of non-performing assets and loan loss reserves. The starting point for the equity analysis is the length and severity of market value decline. The realized loss is recognized as impairment charges on securities on the consolidated statements of income. The previous cost basis less the OTTI recognized in earnings becomes the new cost basis of the investment. Certain equity securities that do not have a readily determinable fair value are stated at cost, adjusted for observable price changes in orderly transactions for identical or similar investments of the same issuer. These securities include restricted stock of the Federal Home Loan Bank of Pittsburgh, as well as other equity securities.
Allowance for Credit Losses - Available for Sale Securities	Allowance for Credit Losses – Available for Sale Securities The Bank measures expected credit losses on available-for-sale debt securities when the Bank does not intend to sell, or when it is not more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For available-for-sale debt securities that do not meet the aforementioned criteria, the Bank evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, the Bank considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this evaluation indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, equal to the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. The allowance for credit losses on available-for-sale debt securities is included within Investment securities available-for-sale on the consolidated balance sheet. Changes in the allowance for credit losses are recorded within Provision for credit losses on the consolidated statement of income. Losses are charged against the allowance when the Bank believes the collectability of an available-for-sale security is in jeopardy or when either of the criteria regarding intent or requirement to sell is met. Available-for-sale debt securities are typically classified as nonaccrual when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about the further collectability of principal or interest. When available-for-sale debt securities are placed on nonaccrual status, unpaid interest credited to income is reversed.
Allowance for Credit Losses - Held to Maturity Securities	Allowance for Credit Losses - Held to Maturity Securities: The Bank measures expected credit losses on held-to-maturity debt securities on a collective basis by security investment grade. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts.
Loans Receivable	Loans Receivable Loans receivable that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for credit losses and any deferred fees and costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan. The accrual of interest is generally discontinued when the contractual payment of principal or interest has become 90 days past due or the Company has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income is reversed. Interest received on nonaccrual loans generally is either applied against principal or reported as interest income, according to the Company’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current and has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt.
Loans Acquired	Loans Acquired Prior to adopting ASU 2016-13 loans acquired were recorded as follows. Loans acquired including loans that have evidence of deterioration of credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments receivable, are initially recorded at fair value (as determined by the present value of expected future cash flows) with no valuation allowance. Loans are evaluated individually to determine if there is evidence of deterioration of credit quality since origination. The difference between the undiscounted cash flows expected at acquisition and the investment in the loan, or the “accretable yield,” is recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment or as a loss accrual or a valuation allowance. Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining estimated life. Decreases in expected cash flows are recognized immediately as impairment. Any valuation allowances on these impaired loans reflect only losses incurred after acquisition. For purchased loans acquired that are not deemed impaired at acquisition, credit discounts representing the principal losses expected over the life of the loan are a component of the initial fair value. Loans are aggregated and accounted for as a pool of loans if the loans being aggregated have common risk characteristics. Subsequent to the purchase date, the methods utilized to estimate the required allowance for credit losses for these loans is similar to originated loans; however, the Company records a provision for loan losses only when the required allowance exceeds any remaining credit discounts. The remaining differences between the purchase price and the unpaid principal balance at the date of acquisition are recorded in interest income over the life of the loans.
Allowance for Credit Losses	Allowance for Credit Losses The following discussion is regarding the critical accounting estimates related to the application of current expected credit losses ("CECL"), which was adopted on October 1, 2023. The allowance for credit losses (ACL) represents an amount which, in management’s judgment, is adequate to absorb expected credit losses on outstanding loans at the balance sheet date based on the evaluation of the size and current risk characteristics ot the loan portfolio, past events, current conditions, reasonable and supportable forecasts of future economic conditions and prepayment experience. The ACL is measured on a collective (pooled) basis for loan segments that share similar risk characteristics, including collateral type, credit ratings/scores, size, duration, interest rate structure, origination vintage and payment structure. The Company utilizes the discounted cash flow method for calculating the ACL. Qualitative adjustments are made for differences in loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, acquisition status, current levels of delinquencies, net charge-offs and risk ratings, as well as actual and forecasted macroeconomic variables. Macroeconomic data includes unemployment rates, changes in collateral values such as home prices and commercial real estate prices, gross domestic product and other relevant factors. Management utilizes judgment in determining and applying the qualitative factors and weighting the economic scenarios used, which include baseline, upside and downside forecasts. The ACL is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision for credit losses, which is recorded as a current period operating expense. Specific credit loss allowances are established for identified losses based on a review of such information. A loan evaluated for credit loss is considered to be have a credit loss when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. All loans identified as having a credit loss are evaluated independently. We do not aggregate such loans for evaluation purposes Determination of an appropriate ACL is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the ACL is reviewed quarterly by management. Management believes it uses relevant information available to make determinations about the ACL and that it has established the existing allowance in accordance with GAAP. However, the determination of the ACL requires significant judgment, and estimates of expected credit losses in the loan portfolio can vary from the amounts actually observed. While management uses available information to recognize expected credit losses, future additions to the ACL may be necessary based on changes in the loans comprising the portfolio, changes in the current and forecasted economic conditions, changes in the interest rate environment which may directly impact prepayment and curtailment rate assumption, and changes in the financial condition of the borrowers.
Allowance for Loan Losses	Allowance for Loan Losses Prior to adopting ASU 2016-13, the allowance for loan losses was established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance for loan losses. The allowance for loan losses is maintained at a level by management which represents the evaluation of known and inherent risks in the loan portfolio at the Consolidated Balance Sheet date. Management’s periodic evaluation of the adequacy of the allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions, and other relevant factors. This evaluation is inherently subjective, since it requires material estimates that may be susceptible to significant change, including the amounts and timing of future cash flows expected to be received on impaired loans. The allowance for loan losses consists of specific and general components. The specific component relates to loans that are classified as impaired. For such loans an allowance for loan losses is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers nonclassified loans and is based on historical loss experience adjusted for qualitative factors. All loans are considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement and all loan types are considered impaired if the loan is restructured in a troubled debt restructuring. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent. Large groups of smaller-balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential mortgage loans for impairment disclosures unless such loans are part of a larger relationship that is impaired or classified as a troubled debt restructuring or is more than 180 days past due. A loan is considered to be a troubled debt restructuring (“TDR”) loan when the Company grants a concession to the borrower because of the borrower’s financial condition that it would not otherwise consider. Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk. TDR loans that are in compliance with their modified terms and that yield a market rate may be removed from the TDR status after one year of performance.
Regulatory Stock	Regulatory Stock Regulatory stock consists of Federal Home Loan Bank (“FHLB”) of Pittsburgh stock and Atlantic Community Bankers Bank stock. Regulatory stock is carried at cost. The Company is a member of the Federal Home Loan Bank System and holds stock in the Federal Home Loan Bank of Pittsburgh. As a member, the Company maintains an investment in the capital stock of the FHLB of Pittsburgh in an amount not less than 10 basis points of the outstanding member asset value plus 4.0 percent of its outstanding FHLB borrowings, as calculated throughout the year. The equity security is accounted for at cost and classified separately on the Consolidated Balance Sheet. The stock is bought from and sold to the FHLB based upon its $ 100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted; (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance; (c) the impact of legislative and regulatory changes on the customer base of the FHLB; and (d) the liquidity position of the FHLB. With consideration given to these factors, management concluded that the stock was not impaired at September 30, 2024.
Loan Servicing	Loan Servicing Servicing assets are recognized as separate assets when rights are acquired through purchase or through sale of financial assets. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon a third-party appraisal. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Impairment is recognized through a valuation allowance to the extent that fair value is less than the capitalized amount. The Company’s loan servicing assets at September 30, 2024 and 2023, were not impaired. Total servicing assets included in other assets as of September 30, 2024 and 2023, were $ 1.1 million and $ 874,000 , respectively.
Premises and Equipment	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is calculated using the straight-line method over the useful lives of the related assets, which range from 10 to 40 years for buildings, land improvements, and leasehold improvements and three to seven years for furniture, fixtures, and equipment. Expenditures for maintenance and repairs are charged to operations as incurred. Costs of major additions and improvements are capitalized.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities The Company records all derivatives on the Consolidated Balance Sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Derivatives may also be designated as hedges of the foreign currency exposure of a net investment in a foreign operation. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Company may enter into derivative contracts that are intended to economically hedge certain of its risk, even though hedge accounting does not apply or the Company elects not to apply hedge accounting. In accordance with the FASB’s fair value measurement guidance, the Company has elected to measure the credit risk of its derivative financial instruments that are subject to master netting agreements on a net basis by counterparty portfolio.
Bank-Owned Life Insurance ("BOLI")	Bank-Owned Life Insurance (“BOLI”) The Company owns insurance on the lives of a certain group of key employees. The policies were purchased to help offset the increase in the costs of various fringe benefit plans, including healthcare. The cash surrender value of these policies is included as an asset on the Consolidated Balance Sheet, and any increase in cash surrender value is recorded as noninterest income on the Consolidated Statement of Income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income.
Foreclosed Real Estate	Foreclosed Real Estate Real estate owned acquired in settlement of foreclosed loans is carried at fair value minus estimated costs to sell. At acquisition of real estate acquired in settlement of foreclosed loans, the excess of the remaining loan balance over the asset’s estimated fair value less cost to sell is charged off against the allowance for credit losses. Subsequent declines in the asset’s value are recognized as noninterest expense in the Consolidated Statement of Income. Operating expenses of such properties, net of related income, are expensed in the period incurred.
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill is not amortized, but it is tested at least annually for impairment in the fourth quarter, or more frequently if indicators of impairment are present. If the estimated current fair value of a reporting unit exceeds its carrying value, no additional testing is required and an impairment loss is not recorded. The Company uses market capitalization and multiples of tangible book value methods to determine the estimated current fair value of its reporting unit. Based on this analysis, no impairment was recorded in 2024 or 2023. The other intangible assets are assigned useful lives, which are amortized on an accelerated basis over their weighted-average lives. The Company periodically reviews intangible assets for impairment as events or changes in circumstances indicate that the carrying amount of such asset may not be recoverable. Based on these reviews, no impairment was recorded in 2024 and 2023. The following tables provide information for the carrying amount of goodwill and intangible assets (in thousands): Goodwill 2024 2023 Balance at beginning of year $ 13,801 $ 13,801 Goodwill acquired - - Balance at end of year $ 13,801 $ 13,801 Intangible assets 2024 2023 Balance at beginning of year $ 91 $ 281 Intangible assets acquired - - Amortization ( 91 ) ( 190 ) Balance at end of year $ - $ 91 Amortizable intangible assets were composed of the following (in thousands): September 30, 2024 2023 Gross Carrying Accumulated (dollars in thousands) Core deposit intangible $ 4,787 $ 4,787 $ 4,696 2024 2023 Aggregate amortization expense: As of the years ended September 30 $ 91 $ 190
Employee Benefit Plans	Employee Benefit Plans The Bank maintains a noncontributory, defined benefit pension plan for all employees who have met age and length of service requirements. The Bank also maintains a defined contribution Section 401(k) plan covering eligible employees. The Company created an ESOP for the benefit of employees who meet certain eligibility requirements. The Company makes cash contributions to the ESOP on an annual basis. The Company maintains an equity incentive plan to provide for issuance or granting of shares of common stock for stock options or restricted stock. The Company has recorded stock-based employee compensation cost using the fair value method as allowed under generally accepted accounting principles. Management estimated the fair values of all option grants using the Black-Scholes option-pricing model. Management estimated the expected life of the options using the simplified method as allowed under generally accepted accounting principles. The risk-free rate was determined utilizing the treasury yield for the expected life of the option contract.
Advertising Costs	Advertising Costs The Company expenses all advertising expenditures incurred.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Income Taxes	Income Taxes Deferred tax assets and liabilities are reflected based on the differences between the financial statement and the income tax basis of assets and liabilities using the enacted marginal tax rates. Deferred income tax expense and benefit are based on the changes in the deferred tax assets or liabilities from period to period. Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the period in which such items are expected to be realized or settled. As changes in tax rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. The Company files a consolidated federal income tax return and individual state income tax returns. The Company prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met.
Cash and Cash Equivalents	Cash and Cash Equivalents The Company has defined cash and cash equivalents as cash and due from banks and interest-bearing deposits with other institutions with original maturities of less than 90 days.
Earnings Per Share	Earnings Per Share The Company provides dual presentation of basic and diluted earnings per share. Basic earnings per share are calculated utilizing net income as reported as the numerator and average shares outstanding as the denominator. The computation of diluted earnings per share differs in that the dilutive effects of any options are adjusted for in the denominator.
Comprehensive Income (Loss)	Comprehensive Income (Loss) The Company is required to present comprehensive income (loss) and its components in a full set of general-purpose financial statements for all periods presented. Other comprehensive income (loss) is composed of net unrealized holding gains or losses on its available-for-sale investment and mortgage-backed securities portfolio and derivative instruments, and changes in unrecognized pension cost.
Fair Value Measurements	Fair Value Measurements The Company groups assets and liabilities carried at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are: • Level I – Valuation is based upon quoted prices for identical instruments traded in active markets. • Level II – Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. • Level III – Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company’s own estimates of assumptions that market participants would use in pricing the asset. The Company determines fair value based on 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. It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy in generally accepted accounting principles. Fair value measurements for most of the Company’s assets are obtained from independent pricing services that we have engaged for this purpose. When available, the Company, or the Company’s independent pricing service, use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon models that incorporate available trade, bid, and other market information. Subsequently, all of the Company’s financial instruments use either of the foregoing methodologies to determine fair value adjustments recorded to our financial statements. In certain cases, however, when market observable inputs for model-based valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of financial instruments. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. When market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, that could significantly affect the results of current or future valuations.
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures	Allowance for Credit Losses on Off-Balance Sheet Credit Exposures The Company estimates expected credit losses over the contractual period in which it is exposed to credit risk on contractual obligations to extend credit, unless the obligation is unconditionally cancellable by the Company. The allowance for credit losses on lending-related commitments is recorded in other liabilities in the consolidated balance sheet and is recorded as a provision for credit losses in the consolidated income statement. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. The lifetime loss rates for off-balance sheet credit exposures are calculated in the same manner as on-balance sheet credit exposures, using the same model and economic forecasts, adjusted for the estimated likelihood that funding will occur.
Reclassification of Comparative Amounts	Reclassification of Comparative Amounts Certain items previously reported have been reclassified to conform to the current year’s reporting format. Such reclassifications did not affect consolidated net income or consolidated stockholders’ equity.
Accounting Pronouncements Recently Adopted	Accounting Pronouncements Recently Adopted In June 2016, the FASB issued ASU No. 2016-13, "Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments" and subsequent related updates. This ASU replaces the incurred loss methodology for recognizing credit losses and requires the Company to measure the current expected credit losses (CECL) on financial assets measured at amortized cost, including loans, held to maturity investment securities, off-balance sheet credit exposures such as unfunded commitments, and other financial instruments. In addition, ASC 326 requires credit losses on available-for-sale debt securities to be presented as an allowance rather than as a write-down when management does not intend to sell or believes that it is not more likely than not they will be required to sell. This guidance became effective on October 1, 2023 for the Bank. The results reported for periods beginning after October 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable accounting standards. The Company adopted this guidance, and subsequent related updates, using the modified retrospective approach for all financial assets measured at amortized cost, including loans, held to maturity debt securities and unfunded commitments. As a result the allowance for credit losses related to loans was decreased by $ 2,755,000 . No reserve was required for investment securities held to maturity. The Company also recorded a reserve for unfunded commitments of $ 2,083,000 . The corresponding increase to retained earnings as a result of these reserve changes was $ 672,000 , before taxes and $ 530,000 , net of tax. The Company adopted the provisions of ASC 326 related to presenting other-than-temporary impairment on available-for-sale debt securities prior to October 1, 2023 using the prospective transition approach, though no such charges had been recorded on the securities held by the Company as of the date of adoption. The impact of the change from the incurred loss model to the current expected credit loss model is detailed below (in thousands). October 1, 2023 Pre-adoption Adoption Impact As Reported Assets ACL on debt securities held-to-maturity $ - $ - $ - ACL on debt securities available for sale - - - Real estate loans: Residential 4,897 503 5,400 Construction 183 254 437 Commercial 11,983 ( 3,729 ) 8,254 Commercial 941 ( 292 ) 649 Obligations of states and political subdivisions 110 129 239 Home equity loans and lines of credit 346 423 769 Auto loans 2 2 4 Other 22 ( 4 ) 18 Unallocated 41 ( 41 ) - Liabilites ACL for unfunded commitments 52 2,083 2,135 $ 18,577 $ ( 672 ) $ 17,905 In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (ASC 326): Troubled Debt Restructurings (TDRs) and Vintage Disclosures . The guidance amends ASC 326 to eliminate the accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancing and restructuring activities by creditors when a borrower is experiencing financial difficulty. Specifically, rather than applying TDR recognition and measurement guidance, creditors will determine whether a modification results in a new loan or continuation of existing loan. These amendments are intended to enhance existing disclosure requirements and introduce new requirements related to certain modifications of receivables made to borrowers experiencing financial difficulty. Additionally, the amendments to ASC 326 require that an entity disclose current-period gross writeoffs by year of origination within the vintage disclosures, which requires that an entity disclose the amortized cost basis of financing receivables by credit quality indicator and class of financing receivable by year of origination. The guidance is only for entities that have adopted the amendments in Update 2016-13 for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022. Early adoption using prospective application, including adoption in an interim period where the guidance should be applied as of the beginning of the fiscal year. The Company adopted this guidance on October 1, 2023 .
Recent Accounting Pronouncements	Recent Accounting Pronouncements In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures , which requires public entities to disclose information about their reportable segments’ significant expenses on an interim and annual basis. This ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. Public entities are required to adopt the changes retrospectively, recasting each prior-period disclosure for which a comparative income statement is presented in the period of adoption. This Update is not expected to have a significant impact on the Company’s financial statements. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures , which provides for improvements to income tax disclosures primarily related to the rate reconciliation and income taxes paid information. This ASU is effective for public business entities for annual period beginning after December 15, 2024. This Update is not expected to have a significant impact on the Company’s financial statements. In March 2024, the FASB issued ASU 2024-01, Compensation – Stock Compensation (Topic 718), amended the guidance in ASC 718 to add an example showing how to apply the scope guidance to determine whether profits interest and similar awards should be accounted for as share-based payment arrangements. For public business entities, the guidance is effective for fiscal years beginning after December 15, 2024, and interim periods within those fiscal years. For all other entities, it is effective for fiscal years beginning after December 15, 2025, and interim periods within those fiscal years. This Update is not expected to have a significant impact on the Company’s financial statements.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Carrying Amount of Goodwill and Intangible Assets	The following tables provide information for the carrying amount of goodwill and intangible assets (in thousands): Goodwill 2024 2023 Balance at beginning of year $ 13,801 $ 13,801 Goodwill acquired - - Balance at end of year $ 13,801 $ 13,801 Intangible assets 2024 2023 Balance at beginning of year $ 91 $ 281 Intangible assets acquired - - Amortization ( 91 ) ( 190 ) Balance at end of year $ - $ 91
Amortizable Intangible Assets	Amortizable intangible assets were composed of the following (in thousands): September 30, 2024 2023 Gross Carrying Accumulated (dollars in thousands) Core deposit intangible $ 4,787 $ 4,787 $ 4,696 2024 2023 Aggregate amortization expense: As of the years ended September 30 $ 91 $ 190
Summary of the Change from the Incurred Loss Model to the Current Expected Credit Loss Model	The impact of the change from the incurred loss model to the current expected credit loss model is detailed below (in thousands). October 1, 2023 Pre-adoption Adoption Impact As Reported Assets ACL on debt securities held-to-maturity $ - $ - $ - ACL on debt securities available for sale - - - Real estate loans: Residential 4,897 503 5,400 Construction 183 254 437 Commercial 11,983 ( 3,729 ) 8,254 Commercial 941 ( 292 ) 649 Obligations of states and political subdivisions 110 129 239 Home equity loans and lines of credit 346 423 769 Auto loans 2 2 4 Other 22 ( 4 ) 18 Unallocated 41 ( 41 ) - Liabilites ACL for unfunded commitments 52 2,083 2,135 $ 18,577 $ ( 672 ) $ 17,905

Earnings per Share (Tables)

Earnings per Share (Tables)	12 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Composition of the Weighted-Average Common Shares (Denominator) Used in the Basic and Diluted Earnings Per Share Computation	The following table sets forth the composition of the weighted-average common shares (denominator) used in the basic and diluted earnings per share computation for the years ended September 30, 2024 and 2023. 2024 2023 Weighted-average common shares outstanding 18,133,095 18,133,095 Average treasury stock shares ( 7,966,827 ) ( 7,732,056 ) Average unearned ESOP shares ( 586,633 ) ( 631,882 ) Average unearned nonvested shares ( 46,913 ) ( 43,953 ) Weighted-average common shares and common stock 9,532,722 9,725,204 Additional common stock equivalents (nonvested stock) - - Additional common stock equivalents (stock options) - - Weighted-average common shares and common stock 9,532,722 9,725,204

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Summary of Amortized Cost, Gross Unrealized Gains and Losses, Allowance for Credit Losses and Fair Value of Investment Securities	The amortized cost, gross unrealized gains and losses, allowance for credit losses and fair value of investment securities are summarized as follows (in thousands): 2024 Amortized Gross Gross Allowance for Fair Available for sale Fannie Mae $ 55,287 $ 342 $ ( 2,604 ) $ - $ 53,025 Freddie Mac 54,075 157 ( 1,770 ) - 52,462 Governmental National Mortgage Association securities 16,860 214 ( 336 ) - 16,738 Total mortgage-backed securities 126,222 713 ( 4,710 ) - 122,225 Obligations of states and political subdivisions 9,025 - ( 234 ) - 8,791 U.S. government agency securities 6,280 5 ( 19 ) - 6,266 Corporate obligations 76,262 51 ( 5,196 ) - 71,117 Other debt securities 7,810 88 ( 428 ) - 7,470 Total debt securities $ 225,599 $ 857 $ ( 10,587 ) $ - $ 215,869 Held to maturity Fannie Mae $ 24,774 $ - $ ( 3,030 ) $ - $ 21,744 Freddie Mac 20,153 - ( 2,524 ) - 17,629 Total 44,927 - ( 5,554 ) - 39,373 U.S. government agency securities 2,451 - ( 305 ) - 2,146 Total debt securities $ 47,378 $ - $ ( 5,859 ) $ - $ 41,519 2023 Amortized Gross Gross Fair Available for sale Fannie Mae $ 55,878 $ - $ ( 6,418 ) $ 49,460 Freddie Mac 49,833 1 ( 5,552 ) 44,282 Governmental National Mortgage Association securities 6,986 - ( 397 ) 6,589 Total mortgage-backed securities 112,697 1 ( 12,367 ) 100,331 Obligations of states and political subdivisions 9,794 - ( 742 ) 9,052 U.S. government treasury securities 123,562 19 ( 1 ) 123,580 U.S. government agency securities 29,089 - ( 137 ) 28,952 Corporate obligations 73,962 - ( 8,241 ) 65,721 Other debt securities 7,139 - ( 719 ) 6,420 Total debt securities $ 356,243 $ 20 $ ( 22,207 ) $ 334,056 Held to maturity Fannie Mae $ 27,652 $ - $ ( 5,217 ) $ 22,435 Freddie Mac 22,145 - ( 4,424 ) 17,721 Total 49,797 - ( 9,641 ) 40,156 U.S. government agency securities 2,445 - ( 511 ) 1,934 Total debt securities $ 52,242 $ - $ ( 10,152 ) $ 42,090
Summary of Unrealized and Realized Gains and Losses Recognized in Net Income on Equity Securities	The following is a summary of unrealized and realized gains and losses recognized in net income on equity securities during the twelve months ended September 30, 2024 and 2023. (Dollars in thousands) 2024 2023 Net losses recognized during the period on equity securities $ ( 6 ) $ ( 4 ) Less: Net gains recognized during the period on equity - - Unrealized losses recognized during the reporting period on equity securities still held at the reporting date $ ( 6 ) $ ( 4 )
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt securities at September 30, 2024, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties (in thousands): Available for Sale Held to Maturity Amortized Fair Amortized Fair Due in one year or less $ 9,391 $ 9,339 $ - $ - Due after one year through five years 34,533 33,483 - - Due after five years through ten years 67,997 63,050 6,174 5,579 Due after ten years 113,678 109,997 41,204 35,940 Total $ 225,599 $ 215,869 $ 47,378 $ 41,519
Schedule of Gross Unrealized Losses and Fair Value	The following tables show the gross unrealized losses and fair value of the Company's investments for which an allowance for credit losses has not been recorded, which are aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2024 and September 30, 2023 (dollars in thousands): 2024 Less than Twelve Months Twelve Months or Greater Total Number Fair Gross Fair Gross Fair Gross Fannie Mae 73 $ 1,968 $ ( 5 ) $ 63,409 $ ( 5,629 ) $ 65,377 $ ( 5,634 ) Freddie Mac 61 2,717 ( 19 ) 54,159 ( 4,275 ) 56,876 ( 4,294 ) Governmental National Mortgage 14 - - 6,164 ( 336 ) 6,164 ( 336 ) Obligations of states and political subdivisions 9 - - 7,791 ( 234 ) 7,791 ( 234 ) U.S. government agency securities 2 - - 4,628 ( 324 ) 4,628 ( 324 ) Corporate obligations 77 4,585 ( 175 ) 56,881 ( 5,021 ) 61,466 ( 5,196 ) Other debt securities 17 355 - 5,220 ( 428 ) 5,575 ( 428 ) Total 253 $ 9,625 $ ( 199 ) $ 198,252 $ ( 16,247 ) $ 207,877 $ ( 16,446 ) 2023 Less than Twelve Months Twelve Months or Greater Total Number Fair Gross Fair Gross Fair Gross Fannie Mae 77 $ 5,675 $ ( 196 ) $ 66,220 $ ( 11,439 ) $ 71,895 $ ( 11,635 ) Freddie Mac 63 3,828 ( 159 ) 57,168 ( 9,817 ) 60,996 ( 9,976 ) Governmental National Mortgage 14 2,151 ( 51 ) 4,438 ( 346 ) 6,589 ( 397 ) Obligations of states and political subdivisions 11 - - 9,052 ( 742 ) 9,052 ( 742 ) U.S. government treasury securities 1 24,705 ( 1 ) - - 24,705 ( 1 ) U.S. government agency securities 4 24,582 ( 6 ) 6,304 ( 642 ) 30,886 ( 648 ) Corporate obligations 87 6,045 ( 273 ) 59,677 ( 7,968 ) 65,722 ( 8,241 ) Other debt securities 17 395 - 6,025 ( 719 ) 6,420 ( 719 ) Total 274 $ 67,381 $ ( 686 ) $ 208,884 $ ( 31,673 ) $ 276,265 $ ( 32,359 )

Loans Receivable (Tables)

Loans Receivable (Tables)	12 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Summary of Loans Receivable	Loans receivable consist of the following (in thousands): 2024 2023 Real estate loans: Residential $ 721,505 $ 713,326 Construction 14,851 16,768 Commercial 884,621 821,958 Commercial 36,799 48,143 Obligations of states and political subdivisions 48,570 48,118 Home equity loans and lines of credit 51,306 48,212 Auto loans 65 523 Other 1,873 2,002 1,759,590 1,699,050 Less allowance for credit losses 15,306 18,525 Net loans $ 1,744,284 $ 1,680,525
Schedule of Loans Evaluated for Impairment	The following table shows the amount of loans in each category that were individually and collectively evaluated for credit loss at the dates indicated (in thousands): Total Individually Collectively September 30, 2024 Real estate loans: Residential $ 721,505 $ 1,122 $ 720,383 Construction 14,851 - 14,851 Commercial 884,621 5,552 879,069 Commercial 36,799 906 35,893 Obligations of states and political subdivisions 48,570 - 48,570 Home equity loans and lines of credit 51,306 35 51,271 Auto Loans 65 - 65 Other 1,873 - 1,873 Total $ 1,759,590 $ 7,615 $ 1,751,975 The following table shows the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated (in thousands): Total Individually Impairment Collectively September 30, 2023 Real estate loans: Residential $ 713,326 $ 1,393 $ 711,933 Construction 16,768 - 16,768 Commercial 821,958 7,664 814,294 Commercial 48,143 648 47,495 Obligations of states and political subdivisions 48,118 - 48,118 Home equity loans and lines of credit 48,212 27 48,185 Auto Loans 523 - 523 Other 2,002 3 1,999 Total $ 1,699,050 $ 9,735 $ 1,689,315
Schedule of Investment and Unpaid Principal Balances for Impaired Loans	The following tables include the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable, under ASC 310, excluding purchased impaired credit loans. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized during the time within the period that the impaired loans were impaired (in thousands). Recorded Unpaid Associated Average Interest September 30, 2023 With no specific allowance recorded: Real estate loans: Residential $ 1,294 $ 2,091 $ - $ 1,140 $ 3 Construction - - - - - Commercial 6,240 7,094 - 8,182 1 Commercial 648 960 - 549 - Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit 27 62 - 32 - Auto loans - - - 3 - Other 3 17 - 5 - Subtotal 8,212 10,224 - 9,911 4 With an allowance recorded: Real estate loans: Residential 99 103 7 101 - Construction - - - - - Commercial 1,424 1,562 35 1,490 - Commercial - - - 267 - Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit - - - - - Auto loans - - - - - Other - - - - - Subtotal 1,523 1,665 42 1,858 - Total: Real estate loans: Residential 1,393 2,194 7 1,241 3 Construction - - - - - Commercial 7,664 8,656 35 9,672 1 Commercial 648 960 - 816 - Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit 27 62 - 32 - Auto loans - - - 3 - Other 3 17 - 5 - Total $ 9,735 $ 11,889 $ 42 $ 11,769 $ 4
Classes of the Loan Portfolio, Internal Risk Rating System	Based on the most recent analysis performed, the following table presents the recorded investment in non-homogenous pools by internal risk rating systems under ASC 326 (in thousands); Revolving Revolving Term Loans Amortized on Cost Basis by Origination Year Loans Loans Amortized Converted September 30, 2024 2024 2023 2022 2021 2020 Prior Cost Basis to Term Total Commercial real estate Risk Rating Pass $ 86,925 $ 144,838 $ 221,196 $ 143,090 $ 65,522 $ 175,306 $ 16,084 $ - $ 852,961 Special Mention 437 10,675 357 - 11,247 62 - - 22,778 Substandard - - - 132 - 8,750 - - 8,882 Doubtful - - - - - - - - - Total $ 87,362 $ 155,513 $ 221,553 $ 143,222 $ 76,769 $ 184,118 $ 16,084 $ - $ 884,621 Commercial real estate Current period gross charge-offs $ - $ - $ - $ 15 $ - $ - $ - $ - $ 15 Commercial Risk Rating Pass $ 2,274 $ 6,147 $ 3,926 $ 1,649 $ 1,240 $ 7,570 $ 11,488 $ - $ 34,294 Special Mention - - - - 36 - 865 - 901 Substandard - 470 - 226 290 406 212 - 1,604 Doubtful - - - - - - - - - Total $ 2,274 $ 6,617 $ 3,926 $ 1,875 $ 1,566 $ 7,976 $ 12,565 $ - $ 36,799 Commercial Current period gross charge-offs $ - $ - $ - $ 22 $ - $ - $ - $ - $ 22 Obligations of states and political subdivisions Risk Rating Pass $ 2,289 $ 1,492 $ 4,629 $ 11,604 $ 7,808 $ 20,748 $ - $ - $ 48,570 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total $ 2,289 $ 1,492 $ 4,629 $ 11,604 $ 7,808 $ 20,748 $ - $ - $ 48,570 Obligations of states and political subdivisions Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Total Pass $ 91,488 $ 152,477 $ 229,751 $ 156,343 $ 74,570 $ 203,624 $ 27,572 $ - $ 935,825 Special Mention 437 10,675 357 - 11,283 62 865 - 23,679 Substandard - 470 - 358 290 9,156 212 - 10,486 Doubtful - - - - - - - - - Total $ 91,925 $ 163,622 $ 230,108 $ 156,701 $ 86,143 $ 212,842 $ 28,649 $ - $ 969,990 The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, and Doubtful or Loss within the internal risk rating system at September 30, 2023 under ASC 310 (in thousands): Pass Special Substandard Doubtful Total September 30, 2023 Commercial real estate loans $ 807,736 $ 3,200 $ 11,022 $ - $ 821,958 Commercial 46,452 - 1,691 - 48,143 Obligations of states and political subdivisions 48,118 - - - 48,118 Total $ 902,306 $ 3,200 $ 12,713 $ - $ 918,219
Schedule of Performing or Nonperforming Loans	The Company monitors the credit risk profile by payment activity for residential and consumer loan classes. Loans past due over 90 days and loans on nonaccrual status are considered nonperforming. Nonperforming loans are reviewed monthly. The following table presents the carrying value of residential and consumer loans based on payment activity under ASC 326 (in thousands): Revolving Revolving Term Loans Amortized on Cost Basis by Origination Year Loans Loans Amortized Converted September 30, 2024 2024 2023 2022 2021 2020 Prior Cost Basis to Term Total Residential real estate Payment Performance Performing $ 45,845 $ 101,439 $ 151,329 $ 133,147 $ 101,061 $ 186,729 $ - $ - $ 719,550 Nonperforming - - 283 - 96 1,576 - - 1,955 Total $ 45,845 $ 101,439 $ 151,612 $ 133,147 $ 101,157 $ 188,305 $ - $ - $ 721,505 Residential real estate Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Construction Payment Performance Performing $ 11,252 $ 3,599 $ - $ - $ - $ - $ - $ - $ 14,851 Nonperforming - - - - - - - - - Total $ 11,252 $ 3,599 $ - $ - $ - $ - $ - $ - $ 14,851 Construction Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Home equity loans and lines of credit - Payment Performance Performing $ 4,372 $ 10,198 $ 7,076 $ 1,816 $ 1,343 $ 2,888 $ 21,454 $ 2,124 $ 51,271 Nonperforming - - - - - 35 - - 35 Total $ 4,372 $ 10,198 $ 7,076 $ 1,816 $ 1,343 $ 2,923 $ 21,454 $ 2,124 $ 51,306 Home equity loans and lines of credit Current period gross charge-offs $ - $ - $ - $ - $ - $ 32 $ - $ - $ 32 Auto - Payment Performance Performing $ - $ - $ - $ - $ 64 $ - $ - $ 64 Nonperforming - - - - - 1 - - 1 Total $ - $ - $ - $ - $ - $ 65 $ - $ - $ 65 Auto Current period gross charge-offs $ - $ - $ - $ - $ - $ 5 $ - $ - $ 5 Other - Payment Performance Performing $ 369 $ 239 $ 88 $ 4 $ 10 $ 112 $ 1,028 $ - $ 1,850 Nonperforming - - - - - 23 - - 23 Total $ 369 $ 239 $ 88 $ 4 $ 10 $ 135 $ 1,028 $ - $ 1,873 Other Current period gross charge-offs $ - $ - $ 10 $ - $ - $ - $ - $ - $ 10 Total Payment Performance Performing $ 61,838 $ 115,475 $ 158,493 $ 134,967 $ 102,414 $ 189,793 $ 22,482 $ 2,124 $ 787,586 Nonperforming - - 283 - 96 1,635 - - 2,014 Total $ 61,838 $ 115,475 $ 158,776 $ 134,967 $ 102,510 $ 191,428 $ 22,482 $ 2,124 $ 789,600 The following table presents the risk ratings in the consumer categories of performing and non-performing loans at September 30, 2023 under ASC 310 (in thousands): Performing Nonperforming Total September 30, 2023 Real estate loans: Residential $ 710,757 $ 2,569 $ 713,326 Construction 16,768 - 16,768 Home equity loans and lines of credit 48,165 47 48,212 Auto loans 523 - 523 Other 1,972 30 2,002 Total $ 778,185 $ 2,646 $ 780,831
Classes of the Loan Portfolio Summarized by the Aging Categories	The following tables present the classes of the loan portfolio summarized by the aging categories as of September 30, 2024 and 2023 (in thousands): 31-60 61-90 Greater than Total Total Current Past Due Past Due Past Due Past Due Loans September 30, 2024 Real estate loans: Residential $ 717,766 $ 1,862 $ 760 $ 1,117 $ 3,739 $ 721,505 Construction 14,851 - - - - 14,851 Commercial 880,939 554 2,673 455 3,682 884,621 Commercial 36,589 - - 210 210 36,799 Obligations of states and 48,570 - - - - 48,570 Home equity loans and lines of 51,264 20 22 - 42 51,306 Auto loans 63 1 - 1 2 65 Other 1,850 - - 23 23 1,873 Total $ 1,751,892 $ 2,437 $ 3,455 $ 1,806 $ 7,698 $ 1,759,590 September 30, 2023 Real estate loans: Residential $ 710,290 $ 792 $ 199 $ 2,045 $ 3,036 $ 713,326 Construction 16,768 - - - - 16,768 Commercial 820,853 240 - 865 1,105 821,958 Commercial 47,893 - - 250 250 48,143 Obligations of states and 48,118 - - - - 48,118 Home equity loans and lines of 48,191 - - 21 21 48,212 Auto loans 485 37 1 - 38 523 Other 1,959 10 33 - 43 2,002 Total $ 1,694,557 $ 1,079 $ 233 $ 3,181 $ 4,493 $ 1,699,050
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due Over 90 Days and Still Accruing	The following table presents the amortized cost basis of loans on nonaccrual status and loans past due 90 days or more and still accruing interest as of September 30, 2024 under ASC 326 (in thousands): Nonaccrual with No ACL Nonaccrual with ACL Total Nonaccrual Loans Past Due Over 90 Days and Still Accruing Total Nonperforming September 30, 2024 Real estate loans: Residential $ 1,955 $ - $ 1,955 $ - $ 1,955 Construction - - - - - Commercial 5,876 - 5,876 - 5,876 Commercial 1,136 - 1,136 - 1,136 Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit 35 - 35 - 35 Auto loans 1 - 1 - 1 Other 23 - 23 - 23 Total $ 9,026 $ - $ 9,026 $ - $ 9,026 The following table presents the non-accrual loans at September 30, 2023 under ASC 310 (in thousands): Non-Accrual Loans September 30, 2023 Real estate loans: Residential $ 2,569 Construction - Commercial 7,763 Commercial 652 Obligations of states and - Home equity loans and lines of 47 Auto loans - Other 30 Total $ 11,061
Summary of Primary Segments of Allowance of Credit Losses	The following table summarizes the primary segments of the ACL, segregated into the amount required for loans individually evaluated for credit loss and the amount required for loans collectively evaluated for credit loss as of September 30, 2024 and 2023 (in thousands): Real Obligations of Home Equity Residential Construction Commercial Commercial Subdivisions Credit Auto Other Unallocated Total ALL balance at September $ 5,122 $ 319 $ 10,754 $ 698 $ 283 $ 361 $ 22 $ 22 $ 947 $ 18,528 Charge-offs - - ( 615 ) ( 269 ) - - ( 28 ) - - ( 912 ) Recoveries 45 - 20 - - 66 78 - - 209 Provision ( 270 ) ( 136 ) 1,824 512 ( 173 ) ( 81 ) ( 70 ) - ( 906 ) 700 ALL balance at September $ 4,897 $ 183 $ 11,983 $ 941 $ 110 $ 346 $ 2 $ 22 $ 41 $ 18,525 ACL balance at September $ 4,897 $ 183 $ 11,983 $ 941 $ 110 $ 346 $ 2 $ 22 $ 41 $ 18,525 Impact of adopting ASC 326 $ 503 $ 254 $ ( 3,729 ) $ ( 292 ) $ 129 $ 423 $ 2 $ ( 4 ) $ ( 41 ) $ ( 2,755 ) Charge-offs - - ( 15 ) ( 22 ) - ( 32 ) ( 5 ) ( 10 ) - ( 84 ) Recoveries 14 - 188 - - 6 12 - - 220 Provision ( 35 ) ( 169 ) ( 612 ) 133 42 30 ( 9 ) 20 - ( 600 ) ACL balance at September $ 5,379 $ 268 $ 7,815 $ 760 $ 281 $ 773 $ 2 $ 28 $ - $ 15,306 The following table summarizes the amount of loans in each segments that were individually and collectively evaluated for credit loss as of September 30, 2024 (in thousands): Individually evaluated for $ 2 $ - $ - $ - $ - $ - $ - $ - $ - $ 2 Collectively evaluated for 5,377 268 7,815 760 281 773 2 28 - 15,304 ACL balance at September $ 5,379 $ 268 $ 7,815 $ 760 $ 281 $ 773 $ 2 $ 28 $ - $ 15,306 The following table summarizes the primary segments of the ALL, segregated into two categories, the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2023 (in thousands): Individually evaluated for $ 7 $ - $ 35 $ - $ - $ - $ - $ - $ - $ 42 Collectively evaluated for 4,890 183 11,948 941 110 346 2 22 41 18,483 ALL balance at September $ 4,897 $ 183 $ 11,983 $ 941 $ 110 $ 346 $ 2 $ 22 $ 41 $ 18,525
Schedule of Financing Receivable Collateral Dependent Loans	The following table presents, by class of loans, the carrying value of collateral dependent nonaccrual loans and type of collateral as of September 30, 2024 (in thousands): Real Estate Business Assets Other September 30, 2024 Real estate loans: Residential $ 1,122 $ - $ - Construction - - - Commercial 5,552 - - Commercial - 906 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 35 - - Auto loans - - - Other - - - Total $ 6,709 $ 906 $ -
Summary of Troubled Debt Restructurings Granted	The following table shows the amortized cost basis of the loans modified to borrowers experiencing financial difficulty during the year ended September 30, 2024, disaggregated by class of financing receivable and type of concession granted under ASC 326 (in thousands): Loan Modifications Made to Borrowers Experiencing Financial Difficulty Combination - Term Extension and Interest Rate Reduction Amortized Cost Basis % of Total Class of at September 30, 2024 Financing Receivable Financial Effect Real estate loans: Residential $ 71 0.01 % Reduced weighted-average contractual interest rate from 7.25 % to 5 %. Extended term for 360 months. Total S 71 Principal Payment Deferral Amortized Cost Basis % of Total Class of at September 30, 2024 Financing Receivable Real estate loans: Commercial $ 366 0.04 % Deferred principal for 9 months. Total S 366 The Bank closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the past year under ASC 326 (in thousands): 31-60 Days 61-89 Days 90 + Days Total Current Past Due Past Due Past Due Past Due September 30, 2024 Real estate loans: Residential $ 71 $ - $ - $ - $ - Construction - - - - - Commercial 366 - - - - Commercial - - - - - Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit - - - - - Auto loans - - - - - Other - - - - - Total $ 437 $ - $ - $ - $ - The following tables present the most comparable required information for the prior period for impaired loans that were TDRs, with the recorded investment at September 30, 2023 under ASC 310 (dollars in thousands): For the Year Ended September 30, 2023 Number of Pre-Modification Post-Modification Troubled debt restructurings Real estate loans: Residential 3 $ 295 $ 355 Construction - - - Commercial 3 6,058 6,058 Commercial - - - Obligations of states and political subdivisions - - - Home equity loans and lines of credit - - - Auto loans - - - Other - - - Total 6 $ 6,353 $ 6,413

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Sep. 30, 2024
Property, Plant and Equipment [Abstract]
Composition of Premises and Equipment	Premises and equipment consist of the following (in thousands): 2024 2023 Land and land improvements $ 4,878 $ 6,075 Buildings and leasehold improvements 16,060 16,100 Furniture, fixtures, and equipment 15,004 14,565 Construction in process 130 44 36,072 36,784 Less accumulated depreciation ( 24,819 ) ( 23,871 ) Total $ 11,253 $ 12,913

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Sep. 30, 2024
Deposits Liabilities Disclosures [Abstract]
Schedule of Deposits and Respective Weighted-Average Interest Rates by Major Classifications	Deposits and their respective weighted-average interest rates consist of the following major classifications (dollars in thousands): 2024 2023 Weighted- Amount Weighted- Amount Noninterest-bearing demand accounts - % $ 256,638 - % $ 280,473 Interest bearing demand accounts 1.14 312,683 0.65 346,458 Money market accounts 2.64 334,638 2.02 366,866 Savings and club accounts 0.07 143,031 0.06 163,248 Certificates of deposit 4.45 582,061 3.99 503,971 Total 2.36 % $ 1,629,051 1.80 % $ 1,661,016
Scheduled Maturities of Certificates of Deposit	At September 30, 2024 scheduled maturities of certificates of deposit are as follows (in thousands): 2025 $ 462,408 2026 96,091 2027 14,112 2028 5,120 2029 4,330 Total $ 582,061
Scheduled Maturities of Certificates of Deposit in Denominations	The scheduled maturities of certificates of deposit in denominations of $250,000 or more as of September 30, 2024, are as follows (in thousands): Within three months $ 19,805 Three through six months 38,743 Six through twelve months 10,300 Over twelve months 15,393 Total $ 84,241

Short-Term and Other Borrowin_2

Short-Term and Other Borrowings (Tables)	12 Months Ended
	Sep. 30, 2024
Debt Disclosure [Abstract]
Schedule of Short-Term Borrowings	The following table sets forth information concerning short-term borrowings (in thousands): 2024 2023 Balance at year-end $ 280,000 $ 374,652 Maximum amount outstanding at any month-end 467,917 464,041 Average balance outstanding during the year 364,536 305,623 Weighted-average interest rate: As of year-end 5.40 % 5.56 % Paid during the year 3.11 % 2.14 %

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Schedule of Provision for Income Taxes	The provision for income taxes consists of (in thousands): 2024 2023 Current: Federal $ 1,892 $ 4,183 State 9 59 Total current taxes 1,901 4,242 Deferred income tax expense 2,069 252 Total income tax provision $ 3,970 $ 4,494
Schedule of Changes in Significant Portions of the Deferred Tax Assets and Deferred Tax Liabilities	The tax effects of deductible and taxable temporary differences that gave rise to significant portions of the deferred tax assets and deferred tax liabilities are as follows (in thousands): 2024 2023 Deferred tax assets: Allowance for credit losses $ 3,214 $ 3,890 Net unrealized loss on pension plan ( 502 ) — Investment losses subject to Section 382 limitation 1,348 1,516 Net unrealized loss on securities 2,044 4,659 Net unrealized loss on derivatives 204 — Deferred compensation 270 293 Other real estate owned 214 195 Nonaccrual interest 66 95 Employee stock ownership plan 618 596 Other 2,125 2,102 Total gross deferred tax assets 9,601 13,346 Deferred tax liabilities: Pension plan 1,228 1,152 Mortgage servicing rights 221 184 Premises and equipment 300 264 Net unrealized gain on derivatives — 2,118 Low income housing tax credits 1,217 1,164 Other 2,746 1,587 Total gross deferred tax liabilities 5,712 6,469 Net deferred tax assets $ 3,889 $ 6,877
Schedule of Reconciliation of the Federal Statutory Rate and the Effective Income Tax Rate	The reconciliation of the federal statutory rate and the Company’s effective income tax rate is as follows (dollars in thousands): 2024 2023 Amount % of Amount % of Provision at statutory rate $ 4,402 21.0 % $ 4,845 21.0 % Income from bank-owned life insurance ( 196 ) ( 0.9 ) ( 165 ) ( 0.7 ) Tax-exempt income ( 366 ) ( 1.7 ) ( 317 ) ( 1.3 ) Low-income housing credits ( 34 ) ( 0.2 ) ( 36 ) ( 0.1 ) Other, net 164 0.6 167 0.6 Actual tax expense and effective rate $ 3,970 18.8 % $ 4,494 19.5 %

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Components of Off Balance Sheet Commitments	The off-balance sheet commitments consist of the following (in thousands): 2024 2023 Commitments to extend credit $ 122,909 $ 188,685 Standby and performance letters of credit 17,557 13,815 Unfunded lines of credit 126,619 114,350 Other off balance sheet liablities 151,000 —

Leases (Tables)

Leases (Tables)	12 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Summary of Balance Sheet Operating Lease Right-of-Use Assets and Lease Liabilities	The following table presents the Consolidated Balance Sheet classification of the Company’s right-of-use assets and lease liabilities. The Company elected not to include short-term leases (i.e., leases with initial terms of twelve months or less), or equipment leases (deemed immaterial) on the Consolidated Balance sheet. (in thousands) September 30, 2024 Lease Right-of-Use Assets Classification Operating lease right-of-use assets Other assets $ 5,697 Total Lease Right-Of-Use Assets $ 5,697 (in thousands) September 30, 2024 Lease Liabilities Classification Operating lease liabilities Other liabilities $ 5,985 Total Lease Liabilities $ 5,985 (in thousands) September 30, 2023 Lease Right-of-Use Assets Classification Operating lease right-of-use assets Other assets $ 6,046 Total Lease Right-Of-Use Assets $ 6,046 (in thousands) September 30, 2023 Lease Liabilities Classification Operating lease liabilities Other liabilities $ 6,288 Total Lease Liabilities $ 6,288
Summary of Lease Term and Discount Rate	The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. September 30, 2024 Weighted average remaining lease term Operating leases 10.9 years Weighted average discount rate Operating leases 3.48 % September 30, 2023 Weighted average remaining lease term Operating leases 11.7 years Weighted average discount rate Operating leases 3.29 %
Summary of Components of Lease Cost	The following table represents lease costs and other lease information. As the Company elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance and utilities. Lease Costs (in thousands) Twelve Months Ended September 30, 2024 Operating lease cost $ 1,109 Variable lease cost 337 Net lease cost $ 1,446 Lease Costs (in thousands) Twelve Months Ended September 30, 2023 Operating lease cost $ 977 Variable lease cost 245 Net lease cost $ 1,222
Summary of Future Minimum Lease Payments	Future minimum payments for leases with initial or remaining terms of one year or more as of September 30, 2024 were as follows: (in thousands) Leases Twelve months Ended: September 30, 2025 $ 909 September 30, 2026 870 September 30, 2027 728 September 30, 2028 708 September 30, 2029 513 Thereafter 3,567 Total future minimum lease payments 7,295 Amounts representing interest ( 1,310 ) Present Value of Net Future Minimum Lease Payments $ 5,985

Employee Benefits (Tables)

Employee Benefits (Tables)	12 Months Ended
	Sep. 30, 2024
Postemployment Benefits [Abstract]
Components of the ESOP Shares	The following table presents the components of the ESOP shares: 2024 2023 Allocated shares 425,508 411,696 Shares committed to be released 33,962 33,962 Unreleased shares 554,709 599,992 Total ESOP shares 1,014,179 1,045,650 Fair value of unreleased shares (in thousands) $ 11,314 $ 9,516
Schedule of Nonvested Restricted Stock Option Activity	The following is a summary of the status of the Company’s nonvested restricted stock as of September 30, 2024, and changes therein during the year then ended: Number of Stock Weighted- Nonvested at September 30, 2023 32,512 $ 17.03 Granted 40,586 14.85 Vested ( 37,435 ) 15.18 Forfeited ( 833 ) 15.01 Nonvested at September 30, 2024 34,830 $ 16.53
Summary of Change in Plan Assets and Benefit Obligation	The following table sets forth the change in plan assets and benefit obligation at September 30 (in thousands): 2024 2023 Change in benefit projected obligation: Projected benefit obligation at beginning of year $ 12,196 $ 12,776 Service cost - - Interest cost 687 656 Actuarial (gains) losses 578 ( 568 ) Benefits paid ( 636 ) ( 668 ) Projected benefit obligation at end of year 12,825 12,196 Change in plan assets: Fair value of plan assets at beginning of year 17,769 16,551 Actual return on plan assets 3,932 1,886 Contributions - - Benefits paid ( 636 ) ( 668 ) Fair value of plan assets at end of year 21,065 17,769 Funded status $ 8,240 $ 5,573
Summary of the Components of Net Periodic Pension Cost	Amounts not yet recognized as a component of net periodic pension cost at September 30 (in thousands): 2024 2023 Amounts recognized in accumulated other comprehensive Net (gain) loss $ ( 2,394 ) $ ( 85 )
Summary of the Components of Net Periodic Benefit Cost	The following table comprises the components of net periodic benefit cost for the years ended September 30 (in thousands): 2024 2023 Service cost $ - $ - Interest cost 687 656 Expected return on plan assets ( 1,045 ) ( 968 ) Recognized net actuarial loss - - Settlement loss - - Net periodic benefit $ ( 358 ) $ ( 312 )
Schedule of Weighted-Average Assumptions	Weighted-average assumptions used to determine benefit obligations for the years ended September 30: 2024 2023 Discount rate 4.91 % 5.80 % Rate of compensation increase N/A N/A
Schedule of Assumptions Used to Determine Net Periodic Benefit Cost	Weighted-average assumptions used to determine net periodic benefit cost for the years ended September 30: 2024 2023 Discount rate 5.80 % 5.31 % Expected long-term return on plan assets 6.00 % 6.00 % Rate of compensation increase N/A N/A
Summary of the Plan's Financial Assets at Fair Value, within the Fair Value Hierarchy	The following tables set forth by level, within the fair value hierarchy, the plan’s financial assets at fair value as of September 30, 2024 and 2023 (in thousands): September 30, 2024 Level I Level II Level III Total Investment in collective trusts: Fixed income $ - $ 8,342 $ - $ 8,342 Equity - 12,681 - 12,681 Investment in short-term investments - 42 - 42 Total assets at fair value $ - $ 21,065 $ - $ 21,065 September 30, 2023 Level I Level II Level III Total Investment in collective trusts: Fixed income $ - $ 7,081 $ - $ 7,081 Equity - 10,661 - 10,661 Investment in short-term investments - 27 - 27 Total assets at fair value $ - $ 17,769 $ - $ 17,769
The Bank's Defined Benefit Pension Plan Weighted-Average Asset Allocations	The Bank’s defined benefit pension plan weighted-average asset allocations at September 30, 2024 and 2023 by asset category, are as follows: September 30, Asset Category 2024 2023 Fixed income securities 39.6 % 39.8 % Equity securities 60.2 60.0 Other 0.2 0.2 Total 100.0 % 100.0 %
Summary of Estimated Future Benefit Payments	Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows (in thousands): 2025 $ 1,340 2026 813 2027 1,390 2028 632 2029 447 2030-2034 3,009

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Sep. 30, 2024
Banking and Thrift, Other Disclosure [Abstract]
The Bank's Actual Capital Ratios	The Bank’s actual capital ratios for the years ended September 30 are presented in the following table (dollars in thousands): 2024 2023 Amount Ratio Amount Ratio Total capital (to risk-weighted assets) Actual $ 232,615 14.2 % $ 224,683 13.0 % For capital adequacy purposes 130,883 8.0 138,582 8.0 To be well capitalized 163,604 10.0 173,228 10.0 Tier 1 capital (to risk-weighted assets) Actual $ 215,933 13.2 % $ 206,106 11.9 % For capital adequacy purposes 98,162 6.0 103,937 6.0 To be well capitalized 130,883 8.0 138,582 8.0 Common equity tier 1 capital (to risk-weighted assets) Actual $ 215,933 13.2 % $ 206,106 11.9 % For capital adequacy purposes 73,622 4.5 77,953 4.5 To be well capitalized 106,342 6.5 112,598 6.5 Tier 1 capital (to adjusted assets) Actual $ 215,933 10.0 % $ 206,106 9.4 % For capital adequacy purposes 65,442 4.0 87,671 4.0 To be well capitalized 81,802 5.0 109,589 5.0

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Schedule of Fair Value For Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis	The following tables provide the fair value for assets and liabilities required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheet as of September 30, 2024 and September 30, 2023 by level within the fair value hierarchy (in thousands). Reoccurring Fair Value Measurements at Reporting Date September 30, 2024 Level I Level II Level III Total Assets: Investment securities available for sale: Mortgage-backed securities $ - $ 122,225 $ - $ 122,225 Obligations of states and political subdivisions - 8,791 - 8,791 U.S. government agency securities - 6,266 - 6,266 Corporate obligations - 66,561 4,556 71,117 Other debt securities - 7,470 - 7,470 Total debt securities - 211,313 4,556 215,869 Equity securities - financial services 26 - - 26 Derivatives and hedging activities - 8,203 - 8,203 Liabilities: Derivatives and hedging activities - 9,183 - 9,183 Reoccurring Fair Value Measurements at Reporting Date September 30, 2023 Level I Level II Level III Total Assets: Investment securities available for sale: Mortgage-backed securities $ - $ 100,331 $ - $ 100,331 Obligations of states and political subdivisions - 9,052 - 9,052 U.S. government treasury securities - 123,580 - 123,580 U.S. government agency securities - 28,952 - 28,952 Corporate obligations - 62,885 2,836 65,721 Other debt securities - 6,420 - 6,420 Total debt securities - 331,220 2,836 334,056 Equity securities - financial services 32 - - 32 Derivatives and hedging activities - 19,662 - 19,662 Liabilities: Derivatives and hedging activities - 9,579 - 9,579
Schedule of Changes in Fair Value of Level III Investments	The following tables present a summary of changes in the fair value of the Company’s Level III investments for years ended September 30, 2024 and 2023 (in thousands). Fair Value Measurement Using September 30, September 30, Beginning balance $ 2,836 $ 7,374 Purchases, sales, issuances, settlements, net - - Total unrealized gain: Included in earnings - - Included in other comprehensive income 15 ( 188 ) Transfers into Level III 1,705 - Transfers out of Level III - ( 4,350 ) $ 4,556 $ 2,836
Schedule of Fair Value For Assets Required to be Measured and Reported at Fair Value on a Nonrecurring Basis	The following tables provide the fair value for assets required to be measured and reported at fair value on a non recurring basis on the Consolidated Balance Sheet as of September 30, 2024 and September 30, 2023 by level within the fair value hierarchy: September 30, 2024 Level I Level II Level III Total Financial assets: Foreclosed real estate owned $ - $ - $ 3,195 $ 3,195 Individually evaluated loans held for investment - - 7,615 7,615 September 30, 2023 Level I Level II Level III Total Financial assets: Foreclosed real estate owned $ - $ - $ 3,311 $ 3,311 Impaired loans - - 9,693 9,693
Summary of Additional Quantitative Information about Assets Measured at Fair Value on a Nonrecurring Basis	The following tables present additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information About Level III Fair Value Measurements Fair Value Valuation Unobservable Range Average) September 30, 2024 Individually evaluated loans held for investment $ 7,615 Appraisal of (1) Appraisal (2) 0 % to 35 % 20.9 %) Foreclosed real estate owned 3,195 Appraisal of (1) Appraisal (2) 10 % 10.0 %) September 30, 2023 Impaired loans $ 9,693 Appraisal of (1) Appraisal (2) 0 % to 35 % 20.8 %) Foreclosed real estate owned 3,311 Appraisal of (1) Appraisal (2) 10 to 35 % 10.2 %) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
Schedule of Assets and Liabilities not Required to be Measured and Reported at Fair Value	The methods and assumptions used by the Company in estimating fair values of financial instruments at September 30, 2024 and 2023 is in accordance with ASC Topic 825, Financial Instruments which requires public entities to use exit pricing in the calculations of the tables below. September 30, 2024 Carrying Level I Level II Level III Total Financial assets: Loans receivable, net $ 1,744,284 $ - $ - $ 1,635,032 $ 1,635,032 Mortgage servicing rights 1,051 - - 1,450 1,450 Investment securities held to maturity 47,378 - 41,519 - 41,519 Financial liabilities: Deposits 1,629,051 1,046,990 - 581,842 1,628,832 Short-term borrowings 280,000 - - 280,631 280,631 Other borrowings 10,000 - - 10,042 10,042 September 30, 2023 Carrying Level I Level II Level III Total Financial assets: Loans receivable, net $ 1,680,525 $ - $ - $ 1,524,615 $ 1,524,615 Mortgage servicing rights 874 - - 1,470 1,470 Investment securities held to maturity 52,242 - 42,090 - 42,090 Financial liabilities: Deposits 1,661,016 1,157,045 - 499,101 1,656,146 Short-term borrowings 374,652 - - 364,291 364,291

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Sep. 30, 2024
Equity [Abstract]
Summary of Activity in Accumulated Other Comprehensive Income (Loss)	The activity in accumulated other comprehensive loss for the years ended September 30, 2024 and 2023, is as follows (in thousands): Accumulated Other Comprehensive Loss (1) Defined Unrealized Derivatives Total Balance at September 30, 2023 $ 66 $ ( 17,525 ) $ 7,966 $ ( 9,493 ) Other comprehensive income (loss) before 1,825 9,840 ( 1,659 ) 10,006 Amounts reclassified from accumulated other - - ( 7,078 ) ( 7,078 ) Period change 1,825 9,840 ( 8,737 ) 2,928 Balance at September 30, 2024 $ 1,891 $ ( 7,685 ) $ ( 771 ) $ ( 6,565 ) Balance at September 30, 2022 $ ( 1,108 ) $ ( 13,879 ) $ 12,093 $ ( 2,894 ) Other comprehensive income (loss) before 1,174 ( 3,742 ) 3,079 511 Amounts reclassified from accumulated other - 96 ( 7,206 ) ( 7,110 ) Period change 1,174 ( 3,646 ) ( 4,127 ) ( 6,599 ) Balance at September 30, 2023 $ 66 $ ( 17,525 ) $ 7,966 $ ( 9,493 ) (1) All amounts are net of tax. Related income tax expense or benefit is calculated using an income tax rate approximating 21 % in Fiscal 2024 and 2023.
Summary of Reclassification Out of Accumulated Other Comprehensive Income (Loss)	Details About Accumulated Other Comprehensive Amount Reclassified from (3) Affected Line Item (in thousands) 2024 2023 Statement of Income Securities available for sale (1) : Net securities gains reclassified into $ - $ ( 121 ) Gain on sale of investment securities, net Related income tax expense - 25 Income taxes Net effect on accumulated other - ( 96 ) Derivatives and Hedging Activities (2) : Interest expense, effective portion 8,960 9,122 Interest expense Related income tax expense ( 1,882 ) ( 1,916 ) Income taxes Net effect on accumulated other 7,078 7,206 Total reclassifications for the period $ 7,078 $ 7,110 (1) For additional details related to unrealized gains on securities and related amounts reclassified from accumulated other comprehensive income (loss) see Note 3, “Investment Securities.” (2) For additional details related to derivative financial instruments see Note16, “Derivatives and Hedging Activities.” (3) Amounts in parenthesis indicate debits.

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	12 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Fair Value of Derivative Financial Instruments as well as their Classification on Consolidated Balance Sheet	The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Balance Sheet as of September 30, 2024 and 2023, (in thousands). Fair Values of Derivative Instruments Asset Derivatives As of September 30, 2024 As of September 30, 2023 Hedged Item Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value FHLB Advances 125,000 Derivative and hedging assets 2,375 230,000 Derivative and hedging assets 10,086 Commercial Loans 97,089 Derivative and hedging assets 5,828 86,265 Derivative and hedging assets 9,576 Total derivatives designated as hedging $ 222,089 $ 8,203 $ 316,265 $ 19,662 Fair Values of Derivative Instruments Liability Derivatives As of September 30, 2024 As of September 30, 2023 Hedged Item Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value FHLB Advances 255,000 Derivative and hedging liabilities 3,348 - Derivative and hedging liabilities - Commercial Loans 127,497 Derivative and hedging liabilities 5,835 117,516 Derivative and hedging liabilities 9,579 Total derivatives designated as hedging $ 382,497 $ 9,183 $ 117,516 $ 9,579
Schedule of Effect of Fair Value and Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income	The table below presents the effect of the Company’s cash flow hedge accounting on Accumulated Other Comprehensive Income for the periods ended September 30, 2024 and 2023 (in thousands). The Effect of Fair Value and Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income Derivatives in Hedging Relationships Amount of (Loss) Gain Recognized in OCI Amount of Gain Reclassified from Year Ended Year Ended Location of Gain Year Ended Year Ended 2024 2023 Accumulated OCI 2024 2023 Derivatives in Cash Flow Hedging Relationships Interest Rate Products $ ( 11,063 ) $ ( 5,222 ) Interest Expense $ 8,960 $ 9,122 Total $ ( 11,063 ) $ ( 5,222 ) $ 8,960 $ 9,122

Parent Company (Tables)

Parent Company (Tables)	12 Months Ended
	Sep. 30, 2024
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheet	Condensed financial statements of ESSA Bancorp, Inc. are as follows (in thousands): CONDENSED BALANCE SHEET September 30, 2024 2023 ASSETS Cash and due from banks $ 3,714 $ 5,564 Equity securities 26 32 Investment in subsidiary 223,169 210,505 Premises and equipment, net 371 381 Other assets 3,314 3,377 TOTAL ASSETS $ 230,594 $ 219,859 LIABILITIES AND STOCKHOLDERS’ EQUITY Other liabilities $ 173 $ 151 Stockholders’ equity 230,421 219,708 TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 230,594 $ 219,859
Condensed Statement of Income	CONDENSED STATEMENT OF INCOME Year Ended September 30, 2024 2023 INCOME Interest income $ 937 $ 718 Unrealized (loss) gain on equity securities ( 6 ) 4 Dividends 8,000 6,000 Other 15 - Total income 8,946 6,722 EXPENSES Professional fees 466 657 Other 30 30 Total expenses 496 687 Income before income tax benefit 8,450 6,035 Income tax benefit 96 7 Income before equity in undistributed net earnings of subsidiary 8,354 6,028 Equity in undistributed net earnings of subsidiary 8,638 12,548 NET INCOME $ 16,992 $ 18,576 COMPREHENSIVE INCOME $ 19,920 $ 11,977
Condensed Statement of Cash Flows	CONDENSED STATEMENT OF CASH FLOWS Year Ended September 30, 2024 2023 OPERATING ACTIVITIES Net income $ 16,992 $ 18,576 Adjustments to reconcile net income to net cash provided by Equity in undistributed net earnings of subsidiary ( 8,638 ) ( 12,548 ) Provision for depreciation 10 10 Increase in accrued income taxes ( 96 ) ( 1,443 ) Increase in accrued interest receivable - ( 248 ) Other, net 850 721 Net cash provided by operating activities 9,118 5,068 FINANCING ACTIVITIES Purchase of treasury stock shares ( 5,063 ) - Dividends on common stock ( 5,905 ) ( 5,859 ) Net cash used for financing activities ( 10,968 ) ( 5,859 ) Decrease in cash ( 1,850 ) ( 791 ) CASH AT BEGINNING OF YEAR 5,564 6,355 CASH AT END OF YEAR $ 3,714 $ 5,564

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Additional Information (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Summary Of Significant Accounting Policies [Line Items]
Days past due over which loans are considered as substandard	90 days
Total servicing assets included in other assets	$ 1,100,000	$ 874,000
Goodwill impairment	0	0
Intangible assets excluding gooodwill impairment	$ 0	0
Threshold percentage minimum for recognition upon settlement	greater than 50 percent
Financing Receivable, after Allowance for Credit Loss	$ 1,744,284,000	1,680,525,000
Allowance for credit losses	15,306,000	18,525,000
Unfunded commitments	52,000
Retained earnings	$ 163,473,000	$ 151,856,000
ASU 2016-13 [Member]
Summary Of Significant Accounting Policies [Line Items]
Change in accounting principle, accounting standards update, adoption date	Oct. 01, 2023
Change in accounting principle, accounting standards update, adopted	true
ASU 2016-13 [Member] | Cumulative Effect of Adoption [Member]
Summary Of Significant Accounting Policies [Line Items]
Allowance for credit losses	$ 2,755,000
Unfunded commitments	2,083,000
Retained earnings, before tax	672,000
Retained earnings	$ 530,000
ASU 2022-02 [Member]
Summary Of Significant Accounting Policies [Line Items]
Change in accounting principle, accounting standards update, adoption date	Oct. 01, 2023
Change in accounting principle, accounting standards update, adopted	true
Minimum [Member]
Summary Of Significant Accounting Policies [Line Items]
Depreciation range for buildings, land improvements, and leasehold improvements	10 years
Depreciation range for furniture, fixtures, and equipment	3 years
Maximum [Member]
Summary Of Significant Accounting Policies [Line Items]
Depreciation range for buildings, land improvements, and leasehold improvements	40 years
Depreciation range for furniture, fixtures, and equipment	7 years
Cash equivalents interest bearing deposits with original maturities	90 days
Troubled Debt Restructuring [Member]
Summary Of Significant Accounting Policies [Line Items]
Days past due over which loans are considered as substandard	180 days
Federal Home Loan Bank System [Member]
Summary Of Significant Accounting Policies [Line Items]
Loan receivables contractual period for interest and principal accrual	90 days
Percentage Investment in capital stock	0.10%
Investment on outstanding Borrowings, percentage	4%
Stock bought and sold based upon par value	$ 100
ESSA Advisory Services, LLC [Member]
Summary Of Significant Accounting Policies [Line Items]
Percentage ownership of wholly owned subsidiary	100%

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Carrying Amount of Goodwill and Intangible Assets (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Goodwill
Balance at beginning of year	$ 13,801	$ 13,801
Balance at end of year	13,801	13,801
Intangible assets
Balance at beginning of year	91	281
Amortization	$ (91)	(190)
Balance at end of year		$ 91

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Amortizable Intangible Assets (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Finite-Lived Intangible Assets [Line Items]
Amortization of intangible assets	$ 91	$ 190
Core Deposit Intangible [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	4,787
Accumulated Amortization	$ 4,787	$ 4,696

Summary of Significant Accoun_7

Summary of Significant Accounting Policies - Summary of the Change from the Incurred Loss Model to the Current Expected Credit Loss Model (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
Assets [Abstract]
ACL on debt securities loans	$ 15,306,000	$ 18,525,000
Liabilities [Abstract]
ACL for unfunded commitments	52,000
Off-balance-Sheet, credit loss, assets and liabilities	18,577,000
Real Estate Loans [Member] | Residential [Member]
Assets [Abstract]
ACL on debt securities loans	4,897,000
Real Estate Loans [Member] | Construction [Member]
Assets [Abstract]
ACL on debt securities loans	183,000
Real Estate Loans [Member] | Commercial [Member]
Assets [Abstract]
ACL on debt securities loans	11,983,000
Real Estate Loans [Member] | Commercial [Member]
Assets [Abstract]
ACL on debt securities loans	941,000
Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
ACL on debt securities loans	110,000
Home Equity Loans and Lines of Credit [Member]
Assets [Abstract]
ACL on debt securities loans	346,000
Auto Loans [Member]
Assets [Abstract]
ACL on debt securities loans	2,000
Other [Member]
Assets [Abstract]
ACL on debt securities loans	22,000
Unallocated [Member]
Assets [Abstract]
ACL on debt securities loans	41,000
As Reported [Member] | Real Estate Loans [Member] | Residential [Member]
Assets [Abstract]
ACL on debt securities loans	5,400,000
As Reported [Member] | Real Estate Loans [Member] | Construction [Member]
Assets [Abstract]
ACL on debt securities loans	437,000
As Reported [Member] | Real Estate Loans [Member] | Commercial [Member]
Assets [Abstract]
ACL on debt securities loans	8,254,000
As Reported [Member] | Real Estate Loans [Member] | Commercial [Member]
Assets [Abstract]
ACL on debt securities loans	649,000
As Reported [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
ACL on debt securities loans	239,000
As Reported [Member] | Home Equity Loans and Lines of Credit [Member]
Assets [Abstract]
ACL on debt securities loans	769,000
As Reported [Member] | Auto Loans [Member]
Assets [Abstract]
ACL on debt securities loans	4,000
As Reported [Member] | Other [Member]
Assets [Abstract]
ACL on debt securities loans	18,000
ASU 2016-13 [Member] | As Reported [Member]
Liabilities [Abstract]
ACL for unfunded commitments	2,135,000
Off-balance-Sheet, credit loss, assets and liabilities	17,905,000
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member]
Assets [Abstract]
ACL on debt securities loans	2,755,000
Liabilities [Abstract]
ACL for unfunded commitments	2,083,000
Off-balance-Sheet, credit loss, assets and liabilities	(672,000)
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Real Estate Loans [Member] | Residential [Member]
Assets [Abstract]
ACL on debt securities loans	503,000
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Real Estate Loans [Member] | Construction [Member]
Assets [Abstract]
ACL on debt securities loans	254,000
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Real Estate Loans [Member] | Commercial [Member]
Assets [Abstract]
ACL on debt securities loans	(3,729,000)
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Real Estate Loans [Member] | Commercial [Member]
Assets [Abstract]
ACL on debt securities loans	(292,000)
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
ACL on debt securities loans	129,000
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Home Equity Loans and Lines of Credit [Member]
Assets [Abstract]
ACL on debt securities loans	423,000
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Auto Loans [Member]
Assets [Abstract]
ACL on debt securities loans	2,000
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Other [Member]
Assets [Abstract]
ACL on debt securities loans	(4,000)
ASU 2016-13 [Member] | Impact of adopting ASC 326 [Member] | Unallocated [Member]
Assets [Abstract]
ACL on debt securities loans	$ (41,000)

Earnings Per Share - Compositio

Earnings Per Share - Composition of the Weighted-Average Common Shares (Denominator) Used in the Basic and Diluted Earnings per Share Computation (Detail) - shares	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share [Abstract]
Weighted-average common shares outstanding	18,133,095	18,133,095
Average treasury stock shares	(7,966,827)	(7,732,056)
Average unearned ESOP shares	(586,633)	(631,882)
Average unearned nonvested shares	(46,913)	(43,953)
Weighted-average common shares and common stock equivalents used to calculate basic earnings per share	9,532,722	9,725,204
Weighted-average common shares and common stock equivalents used to calculate diluted earnings per share	9,532,722	9,725,204

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - Employee Stock Option - $ / shares	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities	8,938	11,588
Average weighted price per share of anti-dilutive shares	$ 18.45	$ 16.54

Investment Securities - Summary

Investment Securities - Summary of Amortized Cost, Gross Unrealized Gains and Losses, Allowance for Credit Losses and Fair Value of Investment Securities (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	$ 0	$ 0
Available for sale, Fair Value	215,869	334,056
Held to maturity, Amortized Cost	0	0
Fannie Mae [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	55,287	55,878
Available for sale, Gross Unrealized Gains	342
Available for sale, Gross Unrealized Losses	(2,604)	(6,418)
Available for sale, Fair Value	53,025	49,460
Held to maturity, Amortized Cost	24,774	27,652
Held to maturity, Gross Unrealized Losses	(3,030)	(5,217)
Held to maturity, Fair Value	21,744	22,435
Freddie Mac [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	54,075	49,833
Available for sale, Gross Unrealized Gains	157	1
Available for sale, Gross Unrealized Losses	(1,770)	(5,552)
Available for sale, Fair Value	52,462	44,282
Held to maturity, Amortized Cost	20,153	22,145
Held to maturity, Gross Unrealized Losses	(2,524)	(4,424)
Held to maturity, Fair Value	17,629	17,721
Governmental National Mortgage Association Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	16,860	6,986
Available for sale, Gross Unrealized Gains	214
Available for sale, Gross Unrealized Losses	(336)	(397)
Available for sale, Fair Value	16,738	6,589
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	126,222	112,697
Available for sale, Gross Unrealized Gains	713	1
Available for sale, Gross Unrealized Losses	(4,710)	(12,367)
Available for sale, Fair Value	122,225	100,331
Held to maturity, Amortized Cost	44,927	49,797
Held to maturity, Gross Unrealized Losses	(5,554)	(9,641)
Held to maturity, Fair Value	39,373	40,156
Obligations of States and Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	9,025	9,794
Available for sale, Gross Unrealized Losses	(234)	(742)
Available for sale, Fair Value	8,791	9,052
U.S. Government Treasury Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost		123,562
Available for sale, Gross Unrealized Gains		19
Available for sale, Gross Unrealized Losses		(1)
Available for sale, Fair Value		123,580
U.S. Government Agency Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	6,280	29,089
Available for sale, Gross Unrealized Gains	5
Available for sale, Gross Unrealized Losses	(19)	(137)
Available for sale, Fair Value	6,266	28,952
Held to maturity, Amortized Cost	2,451	2,445
Held to maturity, Gross Unrealized Losses	(305)	(511)
Held to maturity, Fair Value	2,146	1,934
Corporate Obligations [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	76,262	73,962
Available for sale, Gross Unrealized Gains	51
Available for sale, Gross Unrealized Losses	(5,196)	(8,241)
Available for sale, Fair Value	71,117	65,721
Other Debt Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	7,810	7,139
Available for sale, Gross Unrealized Gains	88
Available for sale, Gross Unrealized Losses	(428)	(719)
Available for sale, Fair Value	7,470	6,420
Total Debt Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	225,599	356,243
Available for sale, Gross Unrealized Gains	857	20
Available for sale, Gross Unrealized Losses	(10,587)	(22,207)
Available for sale, Fair Value	215,869	334,056
Held to maturity, Amortized Cost	47,378	52,242
Held to maturity, Gross Unrealized Losses	(5,859)	(10,152)
Held to maturity, Fair Value	$ 41,519	$ 42,090

Investment Securities - Summa_2

Investment Securities - Summary of Unrealized and Realized Gains and Losses Recognized in Net Income on Equity Securities (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Net losses recognized during the period on equity securities	$ (6)	$ (4)
Unrealized losses recognized during the reporting period on equity securities still held at the reporting date	$ (6)	$ (4)

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Due in one year or less, Amortized Cost	$ 9,391
Due after one year through five years, Amortized Cost	34,533
Due after five years through ten years, Amortized Cost	67,997
Due after ten years, Amortized Cost	113,678
Available for sale, Amortized Cost	225,599
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Due in one year or less, Fair Value	9,339
Due after one year through five years, Fair Value	33,483
Due after five years through ten years, Fair Value	63,050
Due after ten years, Fair Value	109,997
Total, Fair Value	215,869	$ 334,056
Held to maturity Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Due after five years through ten years, Amortized Cost	6,174
Due after ten years, Amortized Cost	41,204
Total, Amortized Cost	47,378
Held to maturity Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Due after five years through ten years, Fair Value	5,579
Due after ten years, Fair Value	35,940
Total, Fair Value	$ 41,519

Investment Securities - Additio

Investment Securities - Additional Information (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Schedule Of Available For Sale Securities [Line Items]
Realized gross gains		$ 0
Proceeds from the sale of investment securities	$ 0	1,000,000
Realized gross losses		121,000
Investment securities available for sale, at fair value	215,869,000	334,056,000
Fair value of available-for-sale securities in an unrealized loss position	166,400,000
Unrealized losses of available-for-sale securities	10,600,000
Accrued interest receivable on available-for-sale debt securities	$ 1,500,000
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets
Fair value of held-to-maturity securities in unrealized loss position	$ 41,500,000
Unrealized losses of held-to-maturity securities	5,900,000
Accrued interest receivable on held-to-maturity debt securities	$ 63,000
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets
Public Deposits [Member]
Schedule Of Available For Sale Securities [Line Items]
Investment securities available for sale, at fair value	$ 147,500,000	$ 289,400,000
Debt Securities, Available-for-Sale, Pledging Purpose [Extensible Enumeration]	us-gaap:AssetPledgedAsCollateralWithRightMember	us-gaap:AssetPledgedAsCollateralWithRightMember
Federal Reserve Bank [Member]
Schedule Of Available For Sale Securities [Line Items]
Investment securities available for sale, at fair value	$ 104,300,000	$ 57,300,000

Investment Securities - Sched_2

Investment Securities - Schedule of Gross Unrealized Losses and Fair Value (Detail) $ in Thousands	Sep. 30, 2024 USD ($) Security	Sep. 30, 2023 USD ($) Security
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	253	274
Fair Value, Less than Twelve Months, Debt	$ 9,625	$ 67,381
Gross Unrealized Losses, Less than Twelve Months, Debt	(199)	(686)
Fair Value, Twelve Months or Greater, Debt	198,252	208,884
Gross Unrealized Losses, Twelve Months or Greater, Debt	(16,247)	(31,673)
Fair Value Total, Debt	207,877	276,265
Gross Unrealized Losses Total, Debt	$ (16,446)	$ (32,359)
Fannie Mae [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	73	77
Fair Value, Less than Twelve Months, Debt	$ 1,968	$ 5,675
Gross Unrealized Losses, Less than Twelve Months, Debt	(5)	(196)
Fair Value, Twelve Months or Greater, Debt	63,409	66,220
Gross Unrealized Losses, Twelve Months or Greater, Debt	(5,629)	(11,439)
Fair Value Total, Debt	65,377	71,895
Gross Unrealized Losses Total, Debt	$ (5,634)	$ (11,635)
Freddie Mac [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	61	63
Fair Value, Less than Twelve Months, Debt	$ 2,717	$ 3,828
Gross Unrealized Losses, Less than Twelve Months, Debt	(19)	(159)
Fair Value, Twelve Months or Greater, Debt	54,159	57,168
Gross Unrealized Losses, Twelve Months or Greater, Debt	(4,275)	(9,817)
Fair Value Total, Debt	56,876	60,996
Gross Unrealized Losses Total, Debt	$ (4,294)	$ (9,976)
Governmental National Mortgage Association Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	14	14
Fair Value, Less than Twelve Months, Debt		$ 2,151
Gross Unrealized Losses, Less than Twelve Months, Debt		(51)
Fair Value, Twelve Months or Greater, Debt	$ 6,164	4,438
Gross Unrealized Losses, Twelve Months or Greater, Debt	(336)	(346)
Fair Value Total, Debt	6,164	6,589
Gross Unrealized Losses Total, Debt	$ (336)	$ (397)
Obligations of States and Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	9	11
Fair Value, Twelve Months or Greater, Debt	$ 7,791	$ 9,052
Gross Unrealized Losses, Twelve Months or Greater, Debt	(234)	(742)
Fair Value Total, Debt	7,791	9,052
Gross Unrealized Losses Total, Debt	$ (234)	$ (742)
U.S. Government Treasury Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security		1
Fair Value, Less than Twelve Months, Debt		$ 24,705
Gross Unrealized Losses, Less than Twelve Months, Debt		(1)
Fair Value Total, Debt		24,705
Gross Unrealized Losses Total, Debt		$ (1)
U.S. Government Agency Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	2	4
Fair Value, Less than Twelve Months, Debt		$ 24,582
Gross Unrealized Losses, Less than Twelve Months, Debt		(6)
Fair Value, Twelve Months or Greater, Debt	$ 4,628	6,304
Gross Unrealized Losses, Twelve Months or Greater, Debt	(324)	(642)
Fair Value Total, Debt	4,628	30,886
Gross Unrealized Losses Total, Debt	$ (324)	$ (648)
Corporate Obligations [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	77	87
Fair Value, Less than Twelve Months, Debt	$ 4,585	$ 6,045
Gross Unrealized Losses, Less than Twelve Months, Debt	(175)	(273)
Fair Value, Twelve Months or Greater, Debt	56,881	59,677
Gross Unrealized Losses, Twelve Months or Greater, Debt	(5,021)	(7,968)
Fair Value Total, Debt	61,466	65,722
Gross Unrealized Losses Total, Debt	$ (5,196)	$ (8,241)
Other Debt Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	17	17
Fair Value, Less than Twelve Months, Debt	$ 355	$ 395
Gross Unrealized Losses, Less than Twelve Months, Debt		0
Fair Value, Twelve Months or Greater, Debt	5,220	6,025
Gross Unrealized Losses, Twelve Months or Greater, Debt	(428)	(719)
Fair Value Total, Debt	5,575	6,420
Gross Unrealized Losses Total, Debt	$ (428)	$ (719)

Loans Receivable - Summary of L

Loans Receivable - Summary of Loans Receivable (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Real estate loans:
Total Loans	$ 1,759,590	$ 1,699,050
Less allowance for credit losses	15,306	18,525
Net loans	1,744,284	1,680,525
Commercial [Member]
Real estate loans:
Total Loans	36,799	48,143
Real Estate Loans [Member] | Residential [Member]
Real estate loans:
Total Loans	721,505	713,326
Less allowance for credit losses	4,897
Real Estate Loans [Member] | Construction [Member]
Real estate loans:
Total Loans	14,851	16,768
Less allowance for credit losses	183
Real Estate Loans [Member] | Commercial [Member]
Real estate loans:
Total Loans	884,621	821,958
Less allowance for credit losses	11,983
Real Estate Loans [Member] | Commercial [Member]
Real estate loans:
Less allowance for credit losses	941
Obligations of States and Political Subdivisions [Member]
Real estate loans:
Total Loans	48,570	48,118
Less allowance for credit losses	110
Home Equity Loans and Lines of Credit [Member]
Real estate loans:
Total Loans	51,306	48,212
Less allowance for credit losses	346
Auto Loans [Member]
Real estate loans:
Total Loans	65	523
Less allowance for credit losses	2
Other [Member]
Real estate loans:
Total Loans	1,873	$ 2,002
Less allowance for credit losses	$ 22

Loans Receivable - Additional I

Loans Receivable - Additional Information (Detail)	12 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($) Contract	Sep. 30, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans serviced for others	$ 243,400,000	$ 217,000,000
Charge off on loans with concentration risk	$ 0
Criteria in internal rating system			Ten-point
Borrower rating scale	1 to 14
Days past due over which loans are considered as substandard	90 days
Minimum internal review amount	$ 2,000,000
Minimum external review amount	1,000,000
Minimum external review criticized relationships amount	500,000
Loans greater than 90 days delinquent and still accruing interest	0	$ 0
Number of troubled debt restructurings, loan modified, defaulted within one year of modification | Contract		0
Consumer Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Formal foreclosure proceeding assets	$ 1,100,000
Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Charge off on loans with concentration risk		$ 47,600
Residential [Member] | Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of troubled debt restructuring loans granted | Contract		3
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Charge off on loans with concentration risk		$ 0
Commercial [Member] | Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase in allowance for loan loss		1,800,000
Increase in loan receivable		$ 143,100,000
Credit Concentration Risk [Member] | Residential Lessors [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration of credit risk percentage	19.70%
Concentration of credit risk loan and leases	$ 346,900,000
Credit Concentration Risk [Member] | Commercial Lessors [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration of credit risk percentage	16.80%
Concentration of credit risk loan and leases	$ 296,100,000

Loans Receivable - Schedule of

Loans Receivable - Schedule of Loans Evaluated for Impairment (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 1,759,590	$ 1,699,050
Individually Evaluated for Impairment	7,615	9,735
Collectively Evaluated for Impairment	1,751,975	1,689,315
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	36,799	48,143
Individually Evaluated for Impairment	906	648
Collectively Evaluated for Impairment	35,893	47,495
Real Estate Loans [Member] | Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	721,505	713,326
Individually Evaluated for Impairment	1,122	1,393
Collectively Evaluated for Impairment	720,383	711,933
Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	14,851	16,768
Collectively Evaluated for Impairment	14,851	16,768
Real Estate Loans [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	884,621	821,958
Individually Evaluated for Impairment	5,552	7,664
Collectively Evaluated for Impairment	879,069	814,294
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	48,570	48,118
Collectively Evaluated for Impairment	48,570	48,118
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	51,306	48,212
Individually Evaluated for Impairment	35	27
Collectively Evaluated for Impairment	51,271	48,185
Auto Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	65	523
Collectively Evaluated for Impairment	65	523
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,873	2,002
Individually Evaluated for Impairment		3
Collectively Evaluated for Impairment	$ 1,873	$ 1,999

Loans Receivable - Schedule o_2

Loans Receivable - Schedule of Investment and Unpaid Principal Balances for Impaired Loans (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2024
Financing Receivable, Impaired [Line Items]
Recorded Investment	$ 9,735,000
Unpaid Principal Balance	11,889,000
Associated Allowance	42,000	$ 2,000
Average Recorded Investment	11,769,000
Interest Income Recognized	4,000
With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	8,212,000
Unpaid Principal Balance	10,224,000
Average Recorded Investment	9,911,000
Interest Income Recognized	4,000
With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,523,000
Unpaid Principal Balance	1,665,000
Associated Allowance	42,000
Average Recorded Investment	1,858,000
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	27,000
Unpaid Principal Balance	62,000
Average Recorded Investment	32,000
Home Equity Loans and Lines of Credit [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	27,000
Unpaid Principal Balance	62,000
Average Recorded Investment	32,000
Auto Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	3,000
Auto Loans [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	3,000
Other [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	3,000
Unpaid Principal Balance	17,000
Average Recorded Investment	5,000
Other [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	3,000
Unpaid Principal Balance	17,000
Average Recorded Investment	5,000
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,393,000
Unpaid Principal Balance	2,194,000
Associated Allowance	7,000
Average Recorded Investment	1,241,000
Interest Income Recognized	3,000
Residential [Member] | Real Estate Loans [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,294,000
Unpaid Principal Balance	2,091,000
Average Recorded Investment	1,140,000
Interest Income Recognized	3,000
Residential [Member] | Real Estate Loans [Member] | With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	99,000
Unpaid Principal Balance	103,000
Associated Allowance	7,000
Average Recorded Investment	101,000
Commercial [Member] | With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	267,000
Commercial [Member] | Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	7,664,000
Unpaid Principal Balance	8,656,000
Associated Allowance	35,000
Average Recorded Investment	9,672,000
Interest Income Recognized	1,000
Commercial [Member] | Real Estate Loans [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	6,240,000
Unpaid Principal Balance	7,094,000
Average Recorded Investment	8,182,000
Interest Income Recognized	1,000
Commercial [Member] | Real Estate Loans [Member] | With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,424,000
Unpaid Principal Balance	1,562,000
Associated Allowance	35,000
Average Recorded Investment	1,490,000
Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	648,000
Unpaid Principal Balance	960,000
Average Recorded Investment	816,000
Commercial Loans [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	648,000
Unpaid Principal Balance	960,000
Average Recorded Investment	$ 549,000

Loans Receivable - Schedule o_3

Loans Receivable - Schedule of Non-homogenous Pools by Internal Risk Rating Systems (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	$ 1,759,590	$ 1,699,050
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	51,306	48,212
Auto [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	65	523
Other [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	1,873	2,002
Loans Past Due Over 90 Days [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	61,838
Term Loans Amortized on Cost Basis by Origination Year, 2023	115,475
Term Loans Amortized on Cost Basis by Origination Year, 2022	158,776
Term Loans Amortized on Cost Basis by Origination Year, 2021	134,967
Term Loans Amortized on Cost Basis by Origination Year, 2020	102,510
Term Loans Amortized on Cost Basis by Origination Year, Prior	191,428
Revolving Loans Amortized Cost Basis	22,482
Revolving Loans Converted to Term	2,124
Total Loans	789,600
Loans Past Due Over 90 Days [Member] | Home Equity Loans and Lines of Credit [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	4,372
Term Loans Amortized on Cost Basis by Origination Year, 2023	10,198
Term Loans Amortized on Cost Basis by Origination Year, 2022	7,076
Term Loans Amortized on Cost Basis by Origination Year, 2021	1,816
Term Loans Amortized on Cost Basis by Origination Year, 2020	1,343
Term Loans Amortized on Cost Basis by Origination Year, Prior	2,923
Revolving Loans Amortized Cost Basis	21,454
Revolving Loans Converted to Term	2,124
Total Loans	51,306
Financing Receivable, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Current period gross charge-offs, Prior	32
Total	32
Loans Past Due Over 90 Days [Member] | Auto [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, Prior	65
Total Loans	65
Financing Receivable, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Current period gross charge-offs, Prior	5
Total	5
Loans Past Due Over 90 Days [Member] | Other [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	369
Term Loans Amortized on Cost Basis by Origination Year, 2023	239
Term Loans Amortized on Cost Basis by Origination Year, 2022	88
Term Loans Amortized on Cost Basis by Origination Year, 2021	4
Term Loans Amortized on Cost Basis by Origination Year, 2020	10
Term Loans Amortized on Cost Basis by Origination Year, Prior	135
Revolving Loans Amortized Cost Basis	1,028
Total Loans	1,873
Financing Receivable, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Current period gross charge-offs, 2022	10
Total	10
Performing [Member] | Loans Past Due Over 90 Days [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	61,838
Term Loans Amortized on Cost Basis by Origination Year, 2023	115,475
Term Loans Amortized on Cost Basis by Origination Year, 2022	158,493
Term Loans Amortized on Cost Basis by Origination Year, 2021	134,967
Term Loans Amortized on Cost Basis by Origination Year, 2020	102,414
Term Loans Amortized on Cost Basis by Origination Year, Prior	189,793
Revolving Loans Amortized Cost Basis	22,482
Revolving Loans Converted to Term	2,124
Total Loans	787,586
Performing [Member] | Loans Past Due Over 90 Days [Member] | Home Equity Loans and Lines of Credit [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	4,372
Term Loans Amortized on Cost Basis by Origination Year, 2023	10,198
Term Loans Amortized on Cost Basis by Origination Year, 2022	7,076
Term Loans Amortized on Cost Basis by Origination Year, 2021	1,816
Term Loans Amortized on Cost Basis by Origination Year, 2020	1,343
Term Loans Amortized on Cost Basis by Origination Year, Prior	2,888
Revolving Loans Amortized Cost Basis	21,454
Revolving Loans Converted to Term	2,124
Total Loans	51,271
Performing [Member] | Loans Past Due Over 90 Days [Member] | Auto [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, Prior	64
Total Loans	64
Performing [Member] | Loans Past Due Over 90 Days [Member] | Other [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	369
Term Loans Amortized on Cost Basis by Origination Year, 2023	239
Term Loans Amortized on Cost Basis by Origination Year, 2022	88
Term Loans Amortized on Cost Basis by Origination Year, 2021	4
Term Loans Amortized on Cost Basis by Origination Year, 2020	10
Term Loans Amortized on Cost Basis by Origination Year, Prior	112
Revolving Loans Amortized Cost Basis	1,028
Total Loans	1,850
Non-performing [Member] | Loans Past Due Over 90 Days [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2022	283
Term Loans Amortized on Cost Basis by Origination Year, 2020	96
Term Loans Amortized on Cost Basis by Origination Year, Prior	1,635
Total Loans	2,014
Non-performing [Member] | Loans Past Due Over 90 Days [Member] | Home Equity Loans and Lines of Credit [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, Prior	35
Total Loans	35
Non-performing [Member] | Loans Past Due Over 90 Days [Member] | Auto [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, Prior	1
Total Loans	1
Non-performing [Member] | Loans Past Due Over 90 Days [Member] | Other [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, Prior	23
Total Loans	23
Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	91,925
Term Loans Amortized on Cost Basis by Origination Year, 2023	163,622
Term Loans Amortized on Cost Basis by Origination Year, 2022	230,108
Term Loans Amortized on Cost Basis by Origination Year, 2021	156,701
Term Loans Amortized on Cost Basis by Origination Year, 2020	86,143
Term Loans Amortized on Cost Basis by Origination Year, Prior	212,842
Revolving Loans Amortized Cost Basis	28,649
Total Loans	969,990
Pass [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	91,488
Term Loans Amortized on Cost Basis by Origination Year, 2023	152,477
Term Loans Amortized on Cost Basis by Origination Year, 2022	229,751
Term Loans Amortized on Cost Basis by Origination Year, 2021	156,343
Term Loans Amortized on Cost Basis by Origination Year, 2020	74,570
Term Loans Amortized on Cost Basis by Origination Year, Prior	203,624
Revolving Loans Amortized Cost Basis	27,572
Total Loans	935,825
Special Mention [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	437
Term Loans Amortized on Cost Basis by Origination Year, 2023	10,675
Term Loans Amortized on Cost Basis by Origination Year, 2022	357
Term Loans Amortized on Cost Basis by Origination Year, 2020	11,283
Term Loans Amortized on Cost Basis by Origination Year, Prior	62
Revolving Loans Amortized Cost Basis	865
Total Loans	23,679
Substandard [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2023	470
Term Loans Amortized on Cost Basis by Origination Year, 2021	358
Term Loans Amortized on Cost Basis by Origination Year, 2020	290
Term Loans Amortized on Cost Basis by Origination Year, Prior	9,156
Revolving Loans Amortized Cost Basis	212
Total Loans	10,486
Commercial Real Estate Portfolio Segment [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	87,362
Term Loans Amortized on Cost Basis by Origination Year, 2023	155,513
Term Loans Amortized on Cost Basis by Origination Year, 2022	221,553
Term Loans Amortized on Cost Basis by Origination Year, 2021	143,222
Term Loans Amortized on Cost Basis by Origination Year, 2020	76,769
Term Loans Amortized on Cost Basis by Origination Year, Prior	184,118
Revolving Loans Amortized Cost Basis	16,084
Total Loans	884,621
Financing Receivable, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Current period gross charge-offs, 2021	15
Total	15
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	86,925
Term Loans Amortized on Cost Basis by Origination Year, 2023	144,838
Term Loans Amortized on Cost Basis by Origination Year, 2022	221,196
Term Loans Amortized on Cost Basis by Origination Year, 2021	143,090
Term Loans Amortized on Cost Basis by Origination Year, 2020	65,522
Term Loans Amortized on Cost Basis by Origination Year, Prior	175,306
Revolving Loans Amortized Cost Basis	16,084
Total Loans	852,961
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	437
Term Loans Amortized on Cost Basis by Origination Year, 2023	10,675
Term Loans Amortized on Cost Basis by Origination Year, 2022	357
Term Loans Amortized on Cost Basis by Origination Year, 2020	11,247
Term Loans Amortized on Cost Basis by Origination Year, Prior	62
Total Loans	22,778
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2021	132
Term Loans Amortized on Cost Basis by Origination Year, Prior	8,750
Total Loans	8,882
Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	36,799	$ 48,143
Commercial Portfolio Segment [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	2,274
Term Loans Amortized on Cost Basis by Origination Year, 2023	6,617
Term Loans Amortized on Cost Basis by Origination Year, 2022	3,926
Term Loans Amortized on Cost Basis by Origination Year, 2021	1,875
Term Loans Amortized on Cost Basis by Origination Year, 2020	1,566
Term Loans Amortized on Cost Basis by Origination Year, Prior	7,976
Revolving Loans Amortized Cost Basis	12,565
Total Loans	36,799
Financing Receivable, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Current period gross charge-offs, 2021	22
Total	22
Commercial Portfolio Segment [Member] | Pass [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	2,274
Term Loans Amortized on Cost Basis by Origination Year, 2023	6,147
Term Loans Amortized on Cost Basis by Origination Year, 2022	3,926
Term Loans Amortized on Cost Basis by Origination Year, 2021	1,649
Term Loans Amortized on Cost Basis by Origination Year, 2020	1,240
Term Loans Amortized on Cost Basis by Origination Year, Prior	7,570
Revolving Loans Amortized Cost Basis	11,488
Total Loans	34,294
Commercial Portfolio Segment [Member] | Special Mention [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2020	36
Revolving Loans Amortized Cost Basis	865
Total Loans	901
Commercial Portfolio Segment [Member] | Substandard [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2023	470
Term Loans Amortized on Cost Basis by Origination Year, 2021	226
Term Loans Amortized on Cost Basis by Origination Year, 2020	290
Term Loans Amortized on Cost Basis by Origination Year, Prior	406
Revolving Loans Amortized Cost Basis	212
Total Loans	1,604
Obligations Of States And Political Subdivisions Loan [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	2,289
Term Loans Amortized on Cost Basis by Origination Year, 2023	1,492
Term Loans Amortized on Cost Basis by Origination Year, 2022	4,629
Term Loans Amortized on Cost Basis by Origination Year, 2021	11,604
Term Loans Amortized on Cost Basis by Origination Year, 2020	7,808
Term Loans Amortized on Cost Basis by Origination Year, Prior	20,748
Total Loans	48,570
Obligations Of States And Political Subdivisions Loan [Member] | Pass [Member] | Recorded Investment In Non-Homogenous Pools By Internal Risk Rating Systems [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	2,289
Term Loans Amortized on Cost Basis by Origination Year, 2023	1,492
Term Loans Amortized on Cost Basis by Origination Year, 2022	4,629
Term Loans Amortized on Cost Basis by Origination Year, 2021	11,604
Term Loans Amortized on Cost Basis by Origination Year, 2020	7,808
Term Loans Amortized on Cost Basis by Origination Year, Prior	20,748
Total Loans	48,570
Residential Real Estate [Member] | Loans Past Due Over 90 Days [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	45,845
Term Loans Amortized on Cost Basis by Origination Year, 2023	101,439
Term Loans Amortized on Cost Basis by Origination Year, 2022	151,612
Term Loans Amortized on Cost Basis by Origination Year, 2021	133,147
Term Loans Amortized on Cost Basis by Origination Year, 2020	101,157
Term Loans Amortized on Cost Basis by Origination Year, Prior	188,305
Total Loans	721,505
Residential Real Estate [Member] | Performing [Member] | Loans Past Due Over 90 Days [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	45,845
Term Loans Amortized on Cost Basis by Origination Year, 2023	101,439
Term Loans Amortized on Cost Basis by Origination Year, 2022	151,329
Term Loans Amortized on Cost Basis by Origination Year, 2021	133,147
Term Loans Amortized on Cost Basis by Origination Year, 2020	101,061
Term Loans Amortized on Cost Basis by Origination Year, Prior	186,729
Total Loans	719,550
Residential Real Estate [Member] | Non-performing [Member] | Loans Past Due Over 90 Days [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2022	283
Term Loans Amortized on Cost Basis by Origination Year, 2020	96
Term Loans Amortized on Cost Basis by Origination Year, Prior	1,576
Total Loans	1,955
Construction [Member] | Loans Past Due Over 90 Days [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	11,252
Term Loans Amortized on Cost Basis by Origination Year, 2023	3,599
Total Loans	14,851
Construction [Member] | Performing [Member] | Loans Past Due Over 90 Days [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized on Cost Basis by Origination Year, 2024	11,252
Term Loans Amortized on Cost Basis by Origination Year, 2023	3,599
Total Loans	$ 14,851

Loans Receivable - Classes of L

Loans Receivable - Classes of Loan Portfolio, Internal Risk Rating System (Detail) - Commercial And Municipal Portfolio Segment $ in Thousands	Sep. 30, 2023 USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	$ 918,219
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	821,958
Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	48,143
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	48,118
Pass [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	902,306
Pass [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	807,736
Pass [Member] | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	46,452
Pass [Member] | Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	48,118
Special Mention [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	3,200
Special Mention [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	3,200
Substandard [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	12,713
Substandard [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	11,022
Substandard [Member] | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	$ 1,691

Loans Receivable - Schedule o_4

Loans Receivable - Schedule of Performing or Nonperforming Loans (Detail) - Consumer Portfolio Segment [Member] $ in Thousands	Sep. 30, 2023 USD ($)
Financing Receivable, Recorded Investment [Line Items]
Total	$ 780,831
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	48,212
Auto Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	523
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	2,002
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	713,326
Construction [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	16,768
Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	778,185
Performing [Member] | Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	48,165
Performing [Member] | Auto Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	523
Performing [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	1,972
Performing [Member] | Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	710,757
Performing [Member] | Construction [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	16,768
Non-performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	2,646
Non-performing [Member] | Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	47
Non-performing [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	30
Non-performing [Member] | Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 2,569

Loans Receivable - Amortized Co

Loans Receivable - Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due Over 90 Days and Still Accruing (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	$ 9,026
Total Nonaccrual	9,026	$ 11,061
Total Nonperforming	9,026
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	35
Total Nonaccrual	35	47
Total Nonperforming	35
Auto [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	1
Total Nonaccrual	1
Total Nonperforming	1
Other [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	23
Total Nonaccrual	23	30
Total Nonperforming	23
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	1,955
Total Nonaccrual	1,955	2,569
Total Nonperforming	1,955
Commercial [Member] | Real Estate Loans [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	5,876
Total Nonaccrual	5,876	7,763
Total Nonperforming	5,876
Commercial Loans [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	1,136
Total Nonaccrual	1,136	$ 652
Total Nonperforming	$ 1,136

Loans Receivable - Classes of_2

Loans Receivable - Classes of Loan Portfolio Summarized by Aging Categories (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	$ 1,751,892	$ 1,694,557
31-60 Days Past Due, Accruing Loans	2,437	1,079
61-90 Days Past Due, Accruing Loans	3,455	233
Greater than 90 Days Past Due, Accruing Loans	1,806	3,181
Total Past Due, Accruing Loans	7,698	4,493
Total Accruing Loans	1,759,590	1,699,050
Non-Accrual Loans	9,026	11,061
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	48,570	48,118
Total Accruing Loans	48,570	48,118
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	51,264	48,191
31-60 Days Past Due, Accruing Loans	20
61-90 Days Past Due, Accruing Loans	22
Greater than 90 Days Past Due, Accruing Loans		21
Total Past Due, Accruing Loans	42	21
Total Accruing Loans	51,306	48,212
Non-Accrual Loans	35	47
Auto Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	63	485
31-60 Days Past Due, Accruing Loans	1	37
61-90 Days Past Due, Accruing Loans		1
Greater than 90 Days Past Due, Accruing Loans	1
Total Past Due, Accruing Loans	2	38
Total Accruing Loans	65	523
Non-Accrual Loans	1
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	1,850	1,959
31-60 Days Past Due, Accruing Loans		10
61-90 Days Past Due, Accruing Loans		33
Greater than 90 Days Past Due, Accruing Loans	23
Total Past Due, Accruing Loans	23	43
Total Accruing Loans	1,873	2,002
Non-Accrual Loans	23	30
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	717,766	710,290
31-60 Days Past Due, Accruing Loans	1,862	792
61-90 Days Past Due, Accruing Loans	760	199
Greater than 90 Days Past Due, Accruing Loans	1,117	2,045
Total Past Due, Accruing Loans	3,739	3,036
Total Accruing Loans	721,505	713,326
Non-Accrual Loans	1,955	2,569
Construction [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	14,851	16,768
Total Accruing Loans	14,851	16,768
Commercial [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	880,939	820,853
31-60 Days Past Due, Accruing Loans	554	240
61-90 Days Past Due, Accruing Loans	2,673
Greater than 90 Days Past Due, Accruing Loans	455	865
Total Past Due, Accruing Loans	3,682	1,105
Total Accruing Loans	884,621	821,958
Non-Accrual Loans	5,876	7,763
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	36,589	47,893
Greater than 90 Days Past Due, Accruing Loans	210	250
Total Past Due, Accruing Loans	210	250
Total Accruing Loans	36,799	48,143
Non-Accrual Loans	$ 1,136	$ 652

Loans Receivable - Schedule o_5

Loans Receivable - Schedule of Financing Receivable Collateral Dependent Loans (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	$ 1,744,284	$ 1,680,525
Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	6,709
Business Assets [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	906
Other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	0
Home Equity Loans and Lines of Credit [Member] | Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	35
Auto Loans [Member] | Other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	0
Other [Member] | Other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	0
Residential [Member] | Real Estate Loans [Member] | Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	1,122
Commercial [Member] | Real Estate Loans [Member] | Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	5,552
Commercial [Member] | Business Assets [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	$ 906

Loans Receivable - Summary of C

Loans Receivable - Summary of Changes in Primary Segments of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	$ 18,525
Balance, End of period	15,306	$ 18,525
Allowance for credit losses	15,306	18,525
Real Estate Loans [Member] | Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, End of period	4,897
Allowance for credit losses	4,897
Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, End of period	183
Allowance for credit losses	183
Real Estate Loans [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, End of period	11,983
Allowance for credit losses	11,983
Real Estate Loans [Member] | Commercial Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, End of period	941
Allowance for credit losses	941
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, End of period	110
Allowance for credit losses	110
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, End of period	346
Allowance for credit losses	346
Auto Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, End of period	2
Allowance for credit losses	2
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, End of period	22
Allowance for credit losses	22
Primary Segments of Allowance for Credit Losses [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	18,525	18,528
Charge-offs	(84)	(912)
Recoveries	220	209
Provision	(600)	700
Balance, End of period	15,306	18,525
Individually evaluated for Credit Loss	2	42
Collectively evaluated for Credit Loss	15,304	18,483
Allowance for credit losses	15,306	18,525
Primary Segments of Allowance for Credit Losses [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	(2,755)
Balance, End of period		(2,755)
Allowance for credit losses		(2,755)
Primary Segments of Allowance for Credit Losses [Member] | Commercial Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	941	698
Charge-offs	(22)	(269)
Provision	133	512
Balance, End of period	760	941
Collectively evaluated for Credit Loss	760	941
Allowance for credit losses	760	941
Primary Segments of Allowance for Credit Losses [Member] | Commercial Loans [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	(292)
Balance, End of period		(292)
Allowance for credit losses		(292)
Primary Segments of Allowance for Credit Losses [Member] | Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	41	947
Provision		(906)
Balance, End of period		41
Collectively evaluated for Credit Loss		41
Allowance for credit losses		41
Primary Segments of Allowance for Credit Losses [Member] | Unallocated [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	(41)
Balance, End of period		(41)
Allowance for credit losses		(41)
Primary Segments of Allowance for Credit Losses [Member] | Real Estate Loans [Member] | Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	4,897	5,122
Recoveries	14	45
Provision	(35)	(270)
Balance, End of period	5,379	4,897
Individually evaluated for Credit Loss	2	7
Collectively evaluated for Credit Loss	5,377	4,890
Allowance for credit losses	5,379	4,897
Primary Segments of Allowance for Credit Losses [Member] | Real Estate Loans [Member] | Residential [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	503
Balance, End of period		503
Allowance for credit losses		503
Primary Segments of Allowance for Credit Losses [Member] | Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	183	319
Provision	(169)	(136)
Balance, End of period	268	183
Collectively evaluated for Credit Loss	268	183
Allowance for credit losses	268	183
Primary Segments of Allowance for Credit Losses [Member] | Real Estate Loans [Member] | Construction [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	254
Balance, End of period		254
Allowance for credit losses		254
Primary Segments of Allowance for Credit Losses [Member] | Real Estate Loans [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	11,983	10,754
Charge-offs	(15)	(615)
Recoveries	188	20
Provision	(612)	1,824
Balance, End of period	7,815	11,983
Individually evaluated for Credit Loss		35
Collectively evaluated for Credit Loss	7,815	11,948
Allowance for credit losses	7,815	11,983
Primary Segments of Allowance for Credit Losses [Member] | Real Estate Loans [Member] | Commercial [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	(3,729)
Balance, End of period		(3,729)
Allowance for credit losses		(3,729)
Primary Segments of Allowance for Credit Losses [Member] | Obligations of States and Political Subdivisions [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	110	283
Provision	42	(173)
Balance, End of period	281	110
Collectively evaluated for Credit Loss	281	110
Allowance for credit losses	281	110
Primary Segments of Allowance for Credit Losses [Member] | Obligations of States and Political Subdivisions [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	129
Balance, End of period		129
Allowance for credit losses		129
Primary Segments of Allowance for Credit Losses [Member] | Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	346	361
Charge-offs	(32)
Recoveries	6	66
Provision	30	(81)
Balance, End of period	773	346
Collectively evaluated for Credit Loss	773	346
Allowance for credit losses	773	346
Primary Segments of Allowance for Credit Losses [Member] | Home Equity Loans and Lines of Credit [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	423
Balance, End of period		423
Allowance for credit losses		423
Primary Segments of Allowance for Credit Losses [Member] | Auto Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	2	22
Charge-offs	(5)	(28)
Recoveries	12	78
Provision	(9)	(70)
Balance, End of period	2	2
Collectively evaluated for Credit Loss	2	2
Allowance for credit losses	2	2
Primary Segments of Allowance for Credit Losses [Member] | Auto Loans [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	2
Balance, End of period		2
Allowance for credit losses		2
Primary Segments of Allowance for Credit Losses [Member] | Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	22	22
Charge-offs	(10)
Provision	20
Balance, End of period	28	22
Collectively evaluated for Credit Loss	28	22
Allowance for credit losses	28	22
Primary Segments of Allowance for Credit Losses [Member] | Other [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	$ (4)
Balance, End of period		(4)
Allowance for credit losses		$ (4)

Loans Receivable - Summary of_2

Loans Receivable - Summary of Loan Modifications Made to Borrowers Experiencing Financial Difficulty (Detail) - Real Estate Loans [Member] - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 71
Residential [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 71	$ 355
% of Total Class of Financing Receivable	0.01%
Reduced weighted-average contractual interest rate	5%	7.25%
Extended term	360 months
Commercial [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 366	$ 6,058
% of Total Class of Financing Receivable	0.04%
Extended term	9 months

Loans Receivable - Summary of P

Loans Receivable - Summary of Performance of Loans Modification (Detail) - Current [Member] $ in Thousands	Sep. 30, 2024 USD ($)
Financing Receivable, Modified [Line Items]
Total Past Due	$ 437
Real Estate Loans [Member] | Residential [Member]
Financing Receivable, Modified [Line Items]
Total Past Due	71
Real Estate Loans [Member] | Commercial [Member]
Financing Receivable, Modified [Line Items]
Total Past Due	$ 366

Loans Receivable - Summary of T

Loans Receivable - Summary of Troubled Debt Restructurings Granted (Detail) $ in Thousands	12 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($) Contract
Real Estate Loans [Member]
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 71
Real Estate Loans [Member] | Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contract		3
Pre-Modification Outstanding Recorded Investment		$ 295
Post-Modification Outstanding Recorded Investment	71	$ 355
Real Estate Loans [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contract		3
Pre-Modification Outstanding Recorded Investment		$ 6,058
Post-Modification Outstanding Recorded Investment	$ 366	$ 6,058
Troubled Debt Restructurings [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contract		6
Pre-Modification Outstanding Recorded Investment		$ 6,353
Post-Modification Outstanding Recorded Investment		$ 6,413

Premises and Equipment - Compos

Premises and Equipment - Composition of Premises and Equipment (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Property Plant And Equipment Useful Life And Values [Abstract]
Land and land improvements	$ 4,878	$ 6,075
Buildings and leasehold improvements	16,060	16,100
Furniture, fixtures, and equipment	15,004	14,565
Construction in process	130	44
Premises and equipment Gross	36,072	36,784
Less accumulated depreciation	(24,819)	(23,871)
Total	$ 11,253	$ 12,913

Premises and Equipment - Additi

Premises and Equipment - Additional Information (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Property Plant And Equipment Useful Life And Values [Abstract]
Depreciation expense	$ 944,000	$ 919,000

Deposits - Schedule of Deposits

Deposits - Schedule of Deposits and Respective Weighted-Average Interest Rates by Major Classifications (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Deposits Liabilities Disclosures [Abstract]
Weighted Average Interest Rate, Interest bearing demand accounts	1.14%	0.65%
Weighted Average Interest Rate, Money market accounts	2.64%	2.02%
Weighted Average Interest Rate, Savings and club accounts	0.07%	0.06%
Weighted Average Interest Rate, Certificates of deposit	4.45%	3.99%
Weighted Average Interest Rate, Total	2.36%	1.80%
Noninterest-bearing demand accounts	$ 256,638	$ 280,473
Interest bearing demand accounts	312,683	346,458
Money market accounts	334,638	366,866
Savings and club accounts	143,031	163,248
Certificates of deposit	582,061	503,971
Total	$ 1,629,051	$ 1,661,016

Deposits - Scheduled Maturities

Deposits - Scheduled Maturities of Certificates of Deposit (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Deposits Liabilities Disclosures [Abstract]
2025	$ 462,408
2026	96,091
2027	14,112
2028	5,120
2029	4,330
Total	$ 582,061	$ 503,971

Deposits - Additional Informati

Deposits - Additional Information (Detail) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
Deposits Liabilities Disclosures [Abstract]
Brokered deposits Total	$ 252,000,000	$ 214,200,000
Aggregate amount of time certificates of deposit	84,241,000	$ 72,000,000
Aggregate amount of time certificates of deposit with a minimum denomination	$ 250,000

Deposits - Scheduled Maturiti_2

Deposits - Scheduled Maturities of Certificates of Deposit in Denominations (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Deposits Liabilities Disclosures [Abstract]
Within three months	$ 19,805
Three through six months	38,743
Six through twelve months	10,300
Over twelve months	15,393
Total	$ 84,241	$ 72,000

Short-Term and Other Borrowin_3

Short-Term and Other Borrowings - Additional Information (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2019
Debt Disclosure [Abstract]
Short-term borrowings	$ 280,000,000	$ 374,652,000
Advances on line of credit with the FHLB	0	59,700,000
Advances on other short term borrowings with the FHLB	280,000,000	255,000,000
Line of credit with the FHLB			$ 150,000,000
Borrowing limit	890,700,000
Advance with Federal Reserve Bank	0	60
Other long-term borrowing	$ 10,000,000	$ 0
Borrowing from FHLB, interest rate	5.65%
Borrowing from FHLB, maturity month and year	2025-02

Short-Term and Other Borrowin_4

Short-Term and Other Borrowings - Schedule of Short-Term Borrowings (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Debt Disclosure [Abstract]
Balance at year-end	$ 280,000	$ 374,652
Maximum amount outstanding at any month-end	467,917	464,041
Average balance outstanding during the year	$ 364,536	$ 305,623
Weighted-average interest rate:
As of year-end	5.40%	5.56%
Paid during the year	3.11%	2.14%

Income Taxes - Schedule of Prov

Income Taxes - Schedule of Provision for Income Taxes (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Income Tax Disclosure [Abstract]
Federal	$ 1,892	$ 4,183
State	9	59
Total current taxes	1,901	4,242
Deferred income tax expense	2,069	252
Actual tax expense and effective rate, Amount	$ 3,970	$ 4,494

Income Taxes - Schedule of Chan

Income Taxes - Schedule of Changes in Significant Portions of the Deferred Tax Assets and Deferred Tax Liabilities (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Deferred tax assets:
Allowance for credit losses	$ 3,214	$ 3,890
Net unrealized loss on pension plan	(502)	0
Investment losses subject to Section 382 limitation	1,348	1,516
Net unrealized loss on securities	2,044	4,659
Net unrealized loss on derivatives	204	0
Deferred compensation	270	293
Other real estate owned	214	195
Nonaccrual interest	66	95
Employee stock ownership plan	618	596
Other	2,125	2,102
Total gross deferred tax assets	9,601	13,346
Deferred tax liabilities:
Pension plan	1,228	1,152
Mortgage servicing rights	221	184
Premises and equipment	300	264
Net unrealized gain on derivatives	0	2,118
Low income housing tax credits	1,217	1,164
Other	2,746	1,587
Total gross deferred tax liabilities	5,712	6,469
Net deferred tax assets	$ 3,889	$ 6,877

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail)	12 Months Ended
	Sep. 30, 2024 USD ($)
Income Tax Disclosure [Abstract]
Unrecognized tax benefits	$ 0
Uncertain tax position	$ 0
Effective income tax rate	11.50%

Income Taxes - Schedule of Reco

Income Taxes - Schedule of Reconciliation of the Federal Statutory Rate and the Effective Income Tax Rate (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Income Tax Disclosure [Abstract]
Provision at statutory rate, Amount	$ 4,402	$ 4,845
Income from bank-owned life insurance, Amount	(196)	(165)
Tax-exempt income, Amount	(366)	(317)
Low-income housing credits, Amount	(34)	(36)
Other, net, Amount	164	167
Actual tax expense and effective rate, Amount	$ 3,970	$ 4,494
Provision at statutory rate, Percentage of pretax income	21%	21%
Income from bank-owned life insurance, Percentage of pretax income	(0.90%)	(0.70%)
Tax-exempt income, Percentage of pretax income	(1.70%)	(1.30%)
Low-income housing credits, Percentage of pretax income	(0.20%)	(0.10%)
Other, net, Percentage of pretax income	0.60%	0.60%
Actual tax expense and effective rate, Percentage of pretax income	18.80%	19.50%

Commitments and Contingent Li_3

Commitments and Contingent Liabilities - Additional Information (Detail) $ in Thousands				12 Months Ended
	May 29, 2020 Plaintiff	Dec. 09, 2019 Plaintiff	Dec. 08, 2016 Plaintiff	Sep. 30, 2024 USD ($)
Commitments and Contingencies Disclosure [Line Items]
Allowance for credit losses for off-balance sheet instruments				$ 52
Contract Maturity Period				less than one year
Coverage Period for Instrument				1 year
Reserve balance				$ 1,200
Number of plaintiffs | Plaintiff	3		1
Additional number of plaintiffs | Plaintiff		2
Other Liabilities [Member]
Commitments and Contingencies Disclosure [Line Items]
Allowance for credit losses for off-balance sheet instruments				$ 1,400

Commitments and Contingent Li_4

Commitments and Contingent Liabilities - Components of Off Balance Sheet Commitments (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off balance sheet commitments	$ 122,909	$ 188,685
Standby and Performance Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off balance sheet commitments	17,557	13,815
Unfunded Lines of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off balance sheet commitments	126,619	114,350
Other Off Balance Sheet Liablities [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off balance sheet commitments	$ 151,000	$ 0

Leases - Additional Information

Leases - Additional Information (Detail)	12 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Lessee operating lease expiration year	2044

Leases - Summary of Balance She

Leases - Summary of Balance Sheet Operating Lease Right-of-Use Assets and Lease Liabilities (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
ASSETS
Operating lease right-of-use assets	$ 5,697	$ 6,046
Operating Lease Right Of Use Asset Statement Of Financial Position Extensible List	Other assets	Other assets
LIABILITIES
Operating lease liabilities	$ 5,985	$ 6,288
Operating Lease Liability Statement Of Financial Position Extensible List	Other liabilities	Other liabilities

Leases - Summary of Lease Term

Leases - Summary of Lease Term and Discount Rate (Detail)	Sep. 30, 2024	Sep. 30, 2023
Weighted average remaining lease term
Operating leases	10 years 10 months 24 days	11 years 8 months 12 days
Weighted average discount rate
Operating leases	3.48%	3.29%

Leases - Summary of Components

Leases - Summary of Components of Lease Cost (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Lease, Cost [Abstract]
Operating lease cost	$ 1,109	$ 977
Variable lease cost	337	245
Net lease cost	$ 1,446	$ 1,222

Leases - Summary of Future Mini

Leases - Summary of Future Minimum Lease Payments (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Lease, Cost [Abstract]
September 30, 2025	$ 909
September 30, 2026	870
September 30, 2027	728
September 30, 2028	708
September 30, 2029	513
Thereafter	3,567
Total future minimum lease payments	7,295
Amounts representing interest	(1,310)
Present Value of Net Future Minimum Lease Payments	$ 5,985	$ 6,288

Employee Benefits - Additional

Employee Benefits - Additional Information (Detail) - USD ($)		12 Months Ended
	Mar. 02, 2016	Sep. 30, 2024	Sep. 30, 2023
Compensation Related Costs Disclosure [Line Items]
Service Period		1 year
Age of Employee		21 years
Acquired Shares of the Company's Stock		1,358,472
Outstanding loan interest		8.50%
Outstanding loan principal and interest payment date month and year		2036-12
Recognized ESOP expense		$ 797,000	$ 797,000
Share-based compensation expense		568,000	560,000
Accumulated benefit obligation		12,800,000	12,200,000
Expected contribution of bank		0
Allocated share based compensation expense		546,000	517,000
Estimated present value of benefits under plan		$ 3,000,000	3,000,000
Supplemental executive retirement plan discounting rate for present value calculation		6%
Expense related to supplemental executive retirement plan		$ 233,000	391,000
Equity [Member]
Compensation Related Costs Disclosure [Line Items]
Target allocation of cash and fixed income		65%
Cash and Fixed Income [Member]
Compensation Related Costs Disclosure [Line Items]
Target allocation of cash and fixed income		35%
Minimum [Member]
Compensation Related Costs Disclosure [Line Items]
Supplemental executive retirement plan minimum period		192 months
2007 Equity Incentive Plan [Member]
Compensation Related Costs Disclosure [Line Items]
Common stock issuance, Grant	2,377,326
Further number of shares, grants	0
2016 Plan [Member]
Compensation Related Costs Disclosure [Line Items]
Common stock issuance, Grant		250,000
2024 Equity Incentive Plan [Member]
Compensation Related Costs Disclosure [Line Items]
Common stock issuance, Grant		200,000
Employee Stock Option
Compensation Related Costs Disclosure [Line Items]
Number of available shares	1,698,090
Restricted Stock [Member]
Compensation Related Costs Disclosure [Line Items]
Number of available shares	679,236
Share-based compensation expense		$ 568,000	$ 560,000
Expected future expense		$ 567,000
Remaining vesting periods		3 years
Restricted Stock [Member] | Minimum [Member]
Compensation Related Costs Disclosure [Line Items]
Restricted shares vesting period		1 year
Restricted Stock [Member] | Maximum [Member]
Compensation Related Costs Disclosure [Line Items]
Restricted shares vesting period		3 years

Employee Benefits - Components

Employee Benefits - Components of the ESOP Shares (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Compensation Related Costs [Abstract]
Allocated shares	425,508	411,696
Shares committed to be released	33,962	33,962
Unreleased shares	554,709	599,992
Total ESOP shares	1,014,179	1,045,650
Fair value of unreleased shares	$ 11,314	$ 9,516

Employee Benefits - Schedule of

Employee Benefits - Schedule of Nonvested Restricted Stock Option Activity (Detail) - Restricted Stock [Member]	12 Months Ended
	Sep. 30, 2024 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Restricted Stock, Nonvested at September 30, 2023 | shares	32,512
Number of Restricted Stock, Granted | shares	40,586
Number of Restricted Stock, Vested | shares	(37,435)
Number of Restricted Stock, Forfeited | shares	(833)
Number of Restricted Stock, Nonvested at September 30, 2024 | shares	34,830
Weighted-average Grant Date Fair Value, Nonvested at September 30, 2023 | $ / shares	$ 17.03
Weighted-average Grant Date Fair Value, Granted | $ / shares	14.85
Weighted-average Grant Date Fair Value, Vested | $ / shares	15.18
Weighted-average Grant Date Fair Value, Forfeited | $ / shares	15.01
Weighted-average Grant Date Fair Value, Nonvested at September 30, 2024 | $ / shares	$ 16.53

Employee Benefits - Summary of

Employee Benefits - Summary of Change in Plan Assets and Benefit Obligation (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Compensation Related Costs [Abstract]
Projected benefit obligation at beginning of year	$ 12,196	$ 12,776
Interest cost	$ 687	$ 656
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest income	Interest income
Actuarial (gains) losses	$ 578	$ (568)
Benefits paid	(636)	(668)
Projected benefit obligation at end of year	12,825	12,196
Fair value of plan assets at beginning of year	17,769	16,551
Actual return on plan assets	3,932	1,886
Benefits paid	(636)	(668)
Fair value of plan assets at end of year	21,065	17,769
Funded status	$ 8,240	$ 5,573

Employee Benefits - Summary o_2

Employee Benefits - Summary of the Components of Net Periodic Pension Cost (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Compensation Related Costs [Abstract]
Net (gain) loss	$ (2,394)	$ (85)

Employee Benefits - Summary o_3

Employee Benefits - Summary of the Components of Net Periodic Benefit Cost (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Compensation Related Costs [Abstract]
Interest cost	$ 687	$ 656
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest income	Interest income
Expected return on plan assets	$ (1,045)	$ (968)
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest income	Interest income
Net periodic benefit	$ (358)	$ (312)

Employee Benefits - Schedule _2

Employee Benefits - Schedule of Weighted-Average Assumptions (Detail)	Sep. 30, 2024	Sep. 30, 2023
Compensation Related Costs [Abstract]
Discount rate	4.91%	5.80%

Employee Benefits - Schedule _3

Employee Benefits - Schedule of Assumptions Used to Determine Net Periodic Benefit Cost (Detail)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Compensation Related Costs [Abstract]
Discount rate	5.80%	5.31%
Expected long-term return on plan assets	6%	6%

Employee Benefits - Summary o_4

Employee Benefits - Summary of the Plan's Financial Assets at Fair Value, Within the Fair Value Hierarchy (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Defined Benefit Plan Disclosure [Line Items]
Total assets at fair value	$ 21,065	$ 17,769	$ 16,551
Level II [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets at fair value	21,065	17,769
Investment in Collective Trusts Fixed Income [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets at fair value	8,342	7,081
Investment in Collective Trusts Fixed Income [Member] | Level II [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets at fair value	8,342	7,081
Investment in Collective Trusts Equity [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets at fair value	12,681	10,661
Investment in Collective Trusts Equity [Member] | Level II [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets at fair value	12,681	10,661
Investment in Short-Term Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets at fair value	42	27
Investment in Short-Term Investments [Member] | Level II [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets at fair value	$ 42	$ 27

Employee Benefits - The Bank's

Employee Benefits - The Bank's Defined Benefit Pension Plan Weighted-Average Asset Allocations (Detail)	Sep. 30, 2024	Sep. 30, 2023
Defined Benefit Plan Disclosure [Line Items]
Total Defined Benefit Plan, Actual Plan Asset Allocations	100%	100%
Fixed Income Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Total Defined Benefit Plan, Actual Plan Asset Allocations	39.60%	39.80%
Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Total Defined Benefit Plan, Actual Plan Asset Allocations	60.20%	60%
Other [Member]
Defined Benefit Plan Disclosure [Line Items]
Total Defined Benefit Plan, Actual Plan Asset Allocations	0.20%	0.20%

Employee Benefits - Summary o_5

Employee Benefits - Summary of Estimated Future Benefit Payments (Detail) $ in Thousands	Sep. 30, 2024 USD ($)
Compensation Related Costs [Abstract]
2025	$ 1,340
2026	813
2027	1,390
2028	632
2029	447
2030-2034	$ 3,009

Regulatory Restrictions - Addit

Regulatory Restrictions - Additional Information (Detail) - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Mar. 26, 2020
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Reserve funds deposit	$ 0	$ 0
Pandemic Impact [Member]
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Reserve funds deposit			$ 0

Regulatory Capital Requiremen_3

Regulatory Capital Requirements - Additional Information (Detail)	Sep. 30, 2024	Sep. 30, 2023
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total risk-based ratio	0.100	0.100
Tier 1 risk-based ratio	0.060	0.060
Common equity Tier 1 capital ratio	6.50%	6.50%
Minimum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total risk-based ratio	0.10	0.10
Tier 1 risk-based ratio	0.08	0.08
Common equity Tier 1 capital ratio	6.50%	6.50%
Tier 1 leverage capital ratio	0.05	0.05

Regulatory Capital Requiremen_4

Regulatory Capital Requirements - Bank's Actual Capital Ratios (Detail) $ in Thousands	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)
Banking and Thrift, Other Disclosure [Abstract]
Actual, Amount	$ 232,615	$ 224,683
For capital adequacy purposes, Amount	130,883	138,582
To be well capitalized, Amount	163,604	173,228
Actual, Amount	215,933	206,106
For capital adequacy purposes, Amount	98,162	103,937
To be well capitalized, Amount	130,883	138,582
Actual, Amount	215,933	206,106
For capital adequacy purposes, Amount	73,622	77,953
To be well capitalized, Amount	106,342	112,598
Actual, Amount	215,933	206,106
For capital adequacy purposes, Amount	65,442	87,671
To be well capitalized, Amount	$ 81,802	$ 109,589
Actual, Ratio	0.142	0.13
For capital adequacy purposes, Ratio	0.080	0.080
To be well capitalized, Ratio	0.100	0.100
Actual, Ratio	0.132	0.119
For capital adequacy purposes, Ratio	0.060	0.060
To be well capitalized, Ratio	0.080	0.080
Actual, Ratio	13.20%	11.90%
For capital adequacy purposes, Ratio	4.50%	4.50%
To be well capitalized, Ratio	6.50%	6.50%
Actual, Ratio	10%	9.40%
For capital adequacy purposes, Ratio	4%	4%
To be well capitalized, Ratio	5%	5%

Fair Value - Schedule of Fair V

Fair Value - Schedule of Fair Value For Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Assets:
Total debt securities	$ 215,869	$ 334,056
Fair Value, Measurements, Recurring [Member]
Assets:
Total debt securities	215,869	334,056
Equity securities - financial services	26	32
Derivatives and hedging activities	8,203	19,662
Liabilities:
Derivatives and hedging activities	9,183	9,579
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
Assets:
Total debt securities	122,225	100,331
Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets:
Total debt securities	8,791	9,052
Fair Value, Measurements, Recurring [Member] | U.S. Government Treasury Securities [Member]
Assets:
Total debt securities		123,580
Fair Value, Measurements, Recurring [Member] | U.S. Government Agency Securities [Member]
Assets:
Total debt securities	6,266	28,952
Fair Value, Measurements, Recurring [Member] | Corporate Obligations [Member]
Assets:
Total debt securities	71,117	65,721
Fair Value, Measurements, Recurring [Member] | Other Debt Securities [Member]
Assets:
Total debt securities	7,470	6,420
Fair Value, Measurements, Recurring [Member] | Level I [Member]
Assets:
Equity securities - financial services	26	32
Fair Value, Measurements, Recurring [Member] | Level II [Member]
Assets:
Total debt securities	211,313	331,220
Derivatives and hedging activities	8,203	19,662
Liabilities:
Derivatives and hedging activities	9,183	9,579
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Mortgage-Backed Securities [Member]
Assets:
Total debt securities	122,225	100,331
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Obligations of States and Political Subdivisions [Member]
Assets:
Total debt securities	8,791	9,052
Fair Value, Measurements, Recurring [Member] | Level II [Member] | U.S. Government Treasury Securities [Member]
Assets:
Total debt securities		123,580
Fair Value, Measurements, Recurring [Member] | Level II [Member] | U.S. Government Agency Securities [Member]
Assets:
Total debt securities	6,266	28,952
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Corporate Obligations [Member]
Assets:
Total debt securities	66,561	62,885
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Other Debt Securities [Member]
Assets:
Total debt securities	7,470	6,420
Fair Value, Measurements, Recurring [Member] | Level III [Member]
Assets:
Total debt securities	4,556	2,836
Fair Value, Measurements, Recurring [Member] | Level III [Member] | Corporate Obligations [Member]
Assets:
Total debt securities	$ 4,556	$ 2,836

Fair Value - Schedule of Change

Fair Value - Schedule of Changes in Fair Value of Level III Investments (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Beginning balance	$ 2,836	$ 7,374
Total unrealized gain:
Included in other comprehensive income	$ 15	$ (188)
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]	Gain on sale of loans, net	Gain on sale of loans, net
Transfers into Level III	$ 1,705
Transfers out of Level III		$ (4,350)
Ending balance	$ 4,556	$ 2,836

Fair Value - Schedule of Fair_2

Fair Value - Schedule of Fair Value For Assets Required to be Measured and Reported at Fair Value on a Nonrecurring Basis (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Financial assets:
Foreclosed real estate owned	$ 3,195	$ 3,311
Fair Value, Measurements, Nonrecurring [Member]
Financial assets:
Foreclosed real estate owned	3,195	3,311
Individually evaluated loans held for investment	7,615
Impaired loans		9,693
Level III [Member] | Fair Value, Measurements, Nonrecurring [Member]
Financial assets:
Foreclosed real estate owned	3,195	3,311
Individually evaluated loans held for investment	$ 7,615
Impaired loans		$ 9,693

Fair Value - Summary of Additio

Fair Value - Summary of Additional Quantitative Information about Assets Measured at Fair Value on Nonrecurring Basis (Detail) - Fair Value, Measurements, Nonrecurring [Member] - Level III [Member] $ in Thousands	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)
Individually Evaluated Loans Held For Investment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate	$ 7,615
Servicing Asset, Valuation Technique [Extensible Enumeration]	us-gaap:MarketApproachValuationTechniqueMember
Servicing Asset, Measurement Input [Extensible Enumeration]	us-gaap:MeasurementInputAppraisedValueMember
Individually Evaluated Loans Held For Investment [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments	0
Individually Evaluated Loans Held For Investment [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments	0.35
Individually Evaluated Loans Held For Investment [Member] | Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments	0.209
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate		$ 9,693
Servicing Asset, Valuation Technique [Extensible Enumeration]		us-gaap:MarketApproachValuationTechniqueMember
Servicing Asset, Measurement Input [Extensible Enumeration]		us-gaap:MeasurementInputAppraisedValueMember
Impaired Loans [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments		0
Impaired Loans [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments		0.35
Impaired Loans [Member] | Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments		0.208
Foreclosed Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate	$ 3,195	$ 3,311
Servicing Asset, Valuation Technique [Extensible Enumeration]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Servicing Asset, Measurement Input [Extensible Enumeration]	us-gaap:MeasurementInputAppraisedValueMember	us-gaap:MeasurementInputAppraisedValueMember
Fair value input appraisal adjustments	0.10
Foreclosed Real Estate Owned [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments		0.10
Foreclosed Real Estate Owned [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments		0.35
Foreclosed Real Estate Owned [Member] | Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments	0.10	0.102

Fair Value - Additional Informa

Fair Value - Additional Information (Detail) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Impaired loans, fair value	$ 7,600,000	$ 9,700,000
Impaired loans, valuation allowance	$ 2,000	$ 42,000

Fair Value - Schedule of Assets

Fair Value - Schedule of Assets and Liabilities not Required to be Measured and Reported at Fair Value (Detail) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
Financial assets:
Loans receivable, net	$ 7,600,000	$ 9,700,000
Financial liabilities:
Other borrowings	10,000,000	0
Carrying Value [Member]
Financial assets:
Loans receivable, net	1,744,284,000	1,680,525,000
Mortgage servicing rights	1,051,000	874,000
Investment securities held to maturity	47,378,000	52,242,000
Financial liabilities:
Deposits	1,629,051,000	1,661,016,000
Short-term borrowings	280,000,000	374,652,000
Other borrowings	10,000,000
Estimated Fair Value [Member]
Financial assets:
Loans receivable, net	1,635,032,000	1,524,615,000
Mortgage servicing rights	1,450,000	1,470,000
Investment securities held to maturity	41,519,000	42,090,000
Financial liabilities:
Deposits	1,628,832,000	1,656,146,000
Short-term borrowings	280,631,000	364,291,000
Other borrowings	10,042,000
Estimated Fair Value [Member] | Level 1 [Member]
Financial liabilities:
Deposits	1,046,990,000	1,157,045,000
Estimated Fair Value [Member] | Level 2 [Member]
Financial assets:
Investment securities held to maturity	41,519,000	42,090,000
Estimated Fair Value [Member] | Level 3 [Member]
Financial assets:
Loans receivable, net	1,635,032,000	1,524,615,000
Mortgage servicing rights	1,450,000	1,470,000
Financial liabilities:
Deposits	581,842,000	499,101,000
Short-term borrowings	280,631,000	$ 364,291,000
Other borrowings	$ 10,042,000

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Summary of Activity in Accumulated Other Comprehensive Income (Loss) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	$ 219,708	$ 212,337
Ending Balance	230,421	219,708
Defined Benefit Pension Plan [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	66	(1,108)
Other comprehensive income (loss) before reclassifications	1,825	1,174
Total other comprehensive (loss) income	1,825	1,174
Ending Balance	1,891	66
Unrealized Gains (Losses) on Securities Available for Sale [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	(17,525)	(13,879)
Other comprehensive income (loss) before reclassifications	9,840	(3,742)
Amounts reclassified from accumulated other comprehensive loss		96
Total other comprehensive (loss) income	9,840	(3,646)
Ending Balance	(7,685)	(17,525)
Derivatives [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	7,966	12,093
Other comprehensive income (loss) before reclassifications	(1,659)	3,079
Amounts reclassified from accumulated other comprehensive loss	(7,078)	(7,206)
Total other comprehensive (loss) income	(8,737)	(4,127)
Ending Balance	(771)	7,966
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	(9,493)	(2,894)
Other comprehensive income (loss) before reclassifications	10,006	511
Amounts reclassified from accumulated other comprehensive loss	(7,078)	(7,110)
Total other comprehensive (loss) income	2,928	(6,599)
Ending Balance	$ (6,565)	$ (9,493)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Summary of Activity in Accumulated Other Comprehensive Income (Loss) (Parenthetical) (Detail)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Equity [Abstract]
Related income tax expense or benefit	21%	21%

Accumulated Other Comprehensi_5

Accumulated Other Comprehensive Income (Loss) - Summary of Reclassification Out of Accumulated Other Comprehensive Income (Loss) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Schedule Of Available For Sale Securities [Line Items]
Income taxes	$ (3,970)	$ (4,494)
NET INCOME	16,992	18,576
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Schedule Of Available For Sale Securities [Line Items]
NET INCOME	7,078	7,110
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member] | Unrealized Gains (Losses) on Securities Available for Sale [Member]
Schedule Of Available For Sale Securities [Line Items]
Gain on sale of investment securities,net		(121)
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member] | Defined Benefit Pension Plan [Member]
Schedule Of Available For Sale Securities [Line Items]
Income taxes		25
NET INCOME		(96)
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member] | Derivatives [Member]
Schedule Of Available For Sale Securities [Line Items]
Interest expense	8,960	9,122
Income taxes	(1,882)	(1,916)
NET INCOME	$ 7,078	$ 7,206

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Schedule of Fair Value of Derivative Financial Instruments as well as their Classification on Consolidated Balance Sheet (Detail) - Designated as Hedging Instrument [Member] - USD ($)	Sep. 30, 2024	Sep. 30, 2023
Derivative and Hedging Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	$ 222,089,000	$ 316,265,000
Fair Values of Derivative Instruments, Asset	8,203,000	19,662,000
Derivative and Hedging Liabilities [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	382,497,000	117,516,000
Fair Values of Derivative Instruments, Liability	9,183,000	9,579,000
FHLB Advances [Member] | | Derivative and Hedging Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	125,000,000	230,000,000
Fair Values of Derivative Instruments, Asset	2,375,000	10,086,000
FHLB Advances [Member] | | Derivative and Hedging Liabilities [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	255,000,000
Fair Values of Derivative Instruments, Liability	3,348,000
Commercial Loans [Member] | Derivative and Hedging Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	97,089,000	86,265,000
Fair Values of Derivative Instruments, Asset	5,828,000	9,576,000
Commercial Loans [Member] | Derivative and Hedging Liabilities [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	127,497,000	117,516,000
Fair Values of Derivative Instruments, Liability	$ 5,835,000	$ 9,579,000

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities - Additional Information (Detail)	12 Months Ended
	Sep. 30, 2024 USD ($) Contract	Sep. 30, 2023 USD ($) Contract
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Interest income (expense)	$ 58,279,000	$ 61,554,000
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Interest income (expense)	9,000,000	$ 9,100,000
Increase (decrease) in accrued interest payable	$ 1,700,000
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Interest Rate Swaps [Member] | Variable Rate [Member] | Brokered Deposits [Member]
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Derivative, number of instruments | Contract		10
Derivative, notional principal amount		$ 230,000,000
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Interest Rate Swaps [Member] | Variable Rate [Member] | Commercial Loans [Member]
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Derivative, number of instruments | Contract	48
Derivative, notional principal amount	$ 225,000,000	$ 204,000,000
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Interest Rate Swaps [Member] | Variable Rate [Member] | FHLB Advances [Member] |
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Derivative, number of instruments | Contract	17
Derivative, notional principal amount	$ 380,000,000

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities - Schedule of Effect of Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Derivative Instruments Gain Loss [Line Items]
(Loss) Gain Recognized in OCI on Derivative	$ (2,103)	$ 3,900
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member]
Derivative Instruments Gain Loss [Line Items]
(Loss) Gain Recognized in OCI on Derivative	(11,063)	(5,222)
Gain Reclassified from Accumulated OCI into Income	$ 8,960	$ 9,122
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Expense, Operating	Interest Expense, Operating
Designated as Hedging Instrument [Member] | Interest Rate Products [Member] | Cash Flow Hedges of Interest Rate Risk [Member]
Derivative Instruments Gain Loss [Line Items]
(Loss) Gain Recognized in OCI on Derivative	$ (11,063)	$ (5,222)
Gain Reclassified from Accumulated OCI into Income	$ 8,960	$ 9,122

Parent Company - Condensed Bala

Parent Company - Condensed Balance Sheet (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
ASSETS
Cash and due from banks	$ 38,683	$ 39,008
Premises and equipment, net	11,253	12,913
Other assets	32,944	27,200
TOTAL ASSETS	2,187,717	2,293,246
LIABILITIES AND STOCKHOLDERS’ EQUITY
Other liabilities	22,192	21,741
Stockholders’ equity	230,421	219,708	$ 212,337
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	2,187,717	2,293,246
Parent Company [Member]
ASSETS
Cash and due from banks	3,714	5,564
Equity securities	26	32
Investment in subsidiary	223,169	210,505
Premises and equipment, net	371	381
Other assets	3,314	3,377
TOTAL ASSETS	230,594	219,859
LIABILITIES AND STOCKHOLDERS’ EQUITY
Other liabilities	173	151
Stockholders’ equity	230,421	219,708
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 230,594	$ 219,859

Parent Company - Condensed Stat

Parent Company - Condensed Statement of Income (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
INCOME
Interest income	$ 58,279	$ 61,554
EXPENSES
Professional fees	4,295	4,760
Other	2,929	2,911
Total noninterest expense	46,881	45,690
Income tax benefit	3,970	4,494
NET INCOME	16,992	18,576
COMPREHENSIVE INCOME	19,920	11,977
Parent Company [Member]
INCOME
Interest income	937	718
Unrealized (loss) gain on equity securities	(6)	4
Dividends	8,000	6,000
Other	15
Total income	8,946	6,722
EXPENSES
Professional fees	466	657
Other	30	30
Total noninterest expense	496	687
Income before income tax benefit	8,450	6,035
Income tax benefit	96	7
Income before equity in undistributed net earnings of subsidiary	8,354	6,028
Equity in undistributed net earnings of subsidiary	8,638	12,548
NET INCOME	16,992	18,576
COMPREHENSIVE INCOME	$ 19,920	$ 11,977

Parent Company - Condensed St_2

Parent Company - Condensed Statement of Cash Flows (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
OPERATING ACTIVITIES
Net income	$ 16,992	$ 18,576
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for depreciation and amortization	1,111	1,110
Increase in accrued interest receivable	(205)	(3,282)
Other, net	(3,716)	(1,470)
Net cash provided by operating activities	13,427	20,860
FINANCING ACTIVITIES
Purchase of treasury stock shares	(5,063)
Dividends on common stock	(5,905)	(5,859)
Net cash (used for) provided by financing activities	(127,265)	413,725
(Decrease) increase in cash and cash equivalents	(36,822)	57,465
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	85,402	27,937
CASH AND CASH EQUIVALENTS AT END OF YEAR	48,580	85,402
Parent Company [Member]
OPERATING ACTIVITIES
Net income	16,992	18,576
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net earnings of subsidiary	(8,638)	(12,548)
Provision for depreciation and amortization	10	10
Increase in accrued income taxes	(96)	(1,443)
Increase in accrued interest receivable		(248)
Other, net	850	721
Net cash provided by operating activities	9,118	5,068
FINANCING ACTIVITIES
Purchase of treasury stock shares	(5,063)
Dividends on common stock	(5,905)	(5,859)
Net cash (used for) provided by financing activities	(10,968)	(5,859)
(Decrease) increase in cash and cash equivalents	(1,850)	(791)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	5,564	6,355
CASH AND CASH EQUIVALENTS AT END OF YEAR	$ 3,714	$ 5,564