ESSA Bancorp (ESSA) 10-Q 10 Feb 25 2025 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Dec. 31, 2024	Feb. 05, 2025
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Dec. 31, 2024
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	Q1
Trading Symbol	ESSA
Entity Registrant Name	ESSA Bancorp, Inc.
Entity Central Index Key	0001382230
Current Fiscal Year End Date	--09-30
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		10,154,664
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	570
Local Phone Number	421-0531
Entity Interactive Data Current	Yes
Title of 12(b) Security	Common
Security Exchange Name	NASDAQ
Entity Incorporation, State or Country Code	PA
Document Quarterly Report	true
Document Transition Report	false

Consolidated Balance Sheet (Una

Consolidated Balance Sheet (Unaudited) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
ASSETS
Cash and due from banks	$ 42,832	$ 38,683
Interest-bearing deposits with other institutions	10,099	9,897
Total cash and cash equivalents	52,931	48,580
Investment securities available for sale, at fair value (net of allowance for credit losses of $0)	211,757	215,869
Investment securities held to maturity, at amortized cost (net of allowance for credit losses of $0)	46,164	47,378
Loans receivable (net of allowance for credit losses of $15,082 and $15,306)	1,756,230	1,744,284
Regulatory stock, at cost	16,056	18,750
Premises and equipment, net	11,264	11,253
Bank-owned life insurance	39,800	39,571
Foreclosed real estate	3,195	3,195
Goodwill	13,801	13,801
Deferred income taxes	4,691	3,889
Derivative and hedging assets	10,412	8,203
Other assets	29,798	32,944
TOTAL ASSETS	2,196,099	2,187,717
LIABILITIES
Deposits	1,699,982	1,629,051
Short-term borrowings	215,000	280,000
Other borrowings	10,000	10,000
Advances by borrowers for taxes and insurance	10,322	6,870
Derivative and hedging liabilities	7,138	9,183
Other liabilities	19,474	22,192
TOTAL LIABILITIES	1,961,916	1,957,296
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; 10,154,664 and 10,123,708 outstanding at December 31, 2024 and September 30, 2024, respectively)	181	181
Additional paid in capital	183,071	183,073
Unallocated common stock held by the Employee Stock Ownership Plan (ESOP)	(5,443)	(5,557)
Retained earnings	165,948	163,473
Treasury stock, at cost; 7,978,431 and 8,009,387 shares outstanding at December 31, 2024 and September 30, 2024, respectively	(103,782)	(104,184)
Accumulated other comprehensive loss	(5,792)	(6,565)
TOTAL STOCKHOLDERS’ EQUITY	234,183	230,421
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,196,099	$ 2,187,717

Consolidated Balance Sheet (U_2

Consolidated Balance Sheet (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Statement of Financial Position [Abstract]
Allowance for credit losses	$ 15,082	$ 15,306
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	10,154,664	10,123,708
Treasury stock, shares outstanding	7,978,431	8,009,387

Consolidated Statement of Opera

Consolidated Statement of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
INTEREST INCOME
Loans receivable, including fees	$ 22,993	$ 21,414
Investment securities:
Taxable	2,510	3,887
Exempt from federal income tax	11	11
Other investment income	858	778
Total interest income	26,372	26,090
INTEREST EXPENSE
Deposits	10,329	8,462
Short-term borrowings	1,755	2,656
Other borrowings	144	108
Total interest expense	12,228	11,226
NET INTEREST INCOME	14,144	14,864
Release of credit losses	(607)	(397)
NET INTEREST INCOME AFTER RELEASE OF CREDIT LOSSES	14,751	15,261
NONINTEREST INCOME
Service fees on deposit accounts	715	696
Services charges and fees on loans	280	330
Loan swap fees	99
Unrealized gain (loss) on equity securities, net	1	(3)
Trust and investment fees	475	393
Gain on sale of loans, net	60	118
Earnings on bank-owned life insurance	234	212
Insurance commissions	120	128
Other	74	87
Total noninterest income	2,058	1,961
NONINTEREST EXPENSE
Compensation and employee benefits	7,200	6,746
Occupancy and equipment	1,188	1,229
Professional fees	963	1,025
Data processing	1,468	1,342
Advertising	104	136
Federal Deposit Insurance Corporation (FDIC) premiums	357	380
Foreclosed real estate		101
Amortization of intangible assets		47
Other	654	851
Total noninterest expense	11,934	11,857
Income before income taxes	4,875	5,365
Income taxes	919	1,028
NET INCOME	$ 3,956	$ 4,337
Earnings per share
Basic	$ 0.41	$ 0.45
Diluted	0.41	0.45
Dividends per share	$ 0.15	$ 0.15

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Statement of Comprehensive Income [Abstract]
Net Income (Loss)	$ 3,956	$ 4,337
Investment securities available for sale:
Unrealized holding (losses) gains	(3,272)	7,885
Tax effect	687	(1,656)
Net of tax amount	(2,585)	6,229
Derivative and hedging activities adjustments:
Changes in unrealized holding gains (losses) on derivatives included in net income	5,642	(2,745)
Tax effect	(1,187)	579
Reclassification adjustment for losses on derivatives included in net income	(1,389)	(2,350)
Tax effect	292	494
Net of tax amount	3,358	(4,022)
Total other comprehensive income	773	2,207
Comprehensive income	$ 4,729	$ 6,544

Consolidated Statement of Chang

Consolidated Statement of Changes in Stockholders' Equity (Unaudited) - 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, 2023	$ 219,708		$ 181	$ 182,681	$ (6,009)	$ 151,856		$ (99,508)	$ (9,493)
Beginning Balance, Shares at Sep. 30, 2023			10,394,689
Net income	4,337					4,337
Other comprehensive income	2,207								2,207
Cash dividends declared	(1,476)					(1,476)
Stock based compensation	293			293
Allocation of ESOP stock	188			75	113
Allocation of treasury shares to incentive plan				(521)				521
Allocation of treasury shares to incentive plan, Shares			40,441
Purchase of common stock	(5,063)							(5,063)
Purchase of common stock, Shares			(303,609)
Ending Balance at Dec. 31, 2023	220,724		$ 181	182,528	(5,896)	155,247		(104,050)	(7,286)
Ending Balance (ASU 2016-13 [Member]) at Dec. 31, 2023		$ 530					$ 530
Ending Balance, Shares at Dec. 31, 2023			10,131,521
Beginning Balance at Sep. 30, 2024	$ 230,421		$ 181	183,073	(5,557)	163,473		(104,184)	(6,565)
Beginning Balance, Shares at Sep. 30, 2024	10,123,708		10,123,708
Net income	$ 3,956					3,956
Other comprehensive income	773								773
Cash dividends declared	(1,481)					(1,481)
Stock based compensation	294			294
Allocation of ESOP stock	223			109	114
Allocation of treasury shares to incentive plan	(3)			(405)				402
Allocation of treasury shares to incentive plan, Shares			30,956
Ending Balance at Dec. 31, 2024	$ 234,183		$ 181	$ 183,071	$ (5,443)	$ 165,948		$ (103,782)	$ (5,792)
Ending Balance, Shares at Dec. 31, 2024	10,154,664		10,154,664

Consolidated Statement of Cha_2

Consolidated Statement of Changes in Stockholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash dividends declared, per share	$ 0.15	$ 0.15

Consolidated Statement of Cash

Consolidated Statement of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
OPERATING ACTIVITIES
Net income	$ 3,956	$ 4,337
Adjustments to reconcile net income to net cash provided by operating activities:
Release of credit losses	(607)	(397)
Provision for depreciation and amortization	258	281
Amortization of discounts and premiums, net	(142)	(1,682)
Unrealized (gain) loss on equity securities	(1)	3
Gain on sale of loans, net	(60)	(118)
Origination of residential real estate loans for sale	(3,639)	(4,261)
Proceeds on sale of residential real estate loans	3,699	4,629
Compensation expense on ESOP	223	188
Amortization of right-of-use asset	204	224
Stock based compensation	294	293
Decrease (increase) in accrued interest receivable	579	(520)
(Decrease) increase in accrued interest payable	(82)	2,324
Earnings on bank-owned life insurance	(229)	(212)
Deferred federal income taxes	(1,008)	433
Decrease in accrued pension	(164)	(89)
Loss on foreclosed real estate, net		101
Amortization of intangible assets		47
Other, net	(145)	1,130
Net cash provided by operating activities	3,136	6,711
Investment securities available for sale:
Proceeds from principal repayments and maturities	7,969	79,906
Purchases	(7,102)	(25,181)
Investment securities held to maturity:
Proceeds from principal repayments and maturities	1,198	1,224
Increase in loans receivable, net	(11,208)	(22,999)
Redemption of regulatory stock	7,303	7,345
Purchase of regulatory stock	(4,609)	(8,214)
Proceeds from sale of foreclosed real estate		15
Disposal of premises, equipment and software, net	(238)	(67)
Net cash (used for) provided by investing activities	(6,687)	32,029
FINANCING ACTIVITIES
Increase (decrease) in deposits, net	70,931	(70,798)
Net decrease in short-term borrowings	(65,000)	(13,152)
Proceeds from other borrowings		10,000
Purchase of common stock		(5,063)
Increase in advances by borrowers for taxes and insurance	3,452	3,527
Dividends on common stock	(1,481)	(1,476)
Net cash provided by (used for) financing activities	7,902	(76,962)
Increase (decrease) in cash and cash equivalents	4,351	(38,222)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	48,580	85,402
CASH AND CASH EQUIVALENTS AT END OF YEAR	52,931	47,180
Cash Paid:
Interest	12,311	8,901
Noncash items:
Unrealized holding (losses) gains	$ (3,272)	$ 7,885

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 3,956	$ 4,337

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 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

Nature of Operations and Basis

Nature of Operations and Basis of Presentation	3 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Operations and Basis of Presentation	1. 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, Delaware, Chester, Montgomery, Lackawanna, and Luzerne Counties, Pennsylvania. The Bank is a Pennsylvania chartered savings bank and is subject to regulation and supervision by the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation (the “FDIC”). The investment in the Bank 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 wholly owned 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. The unaudited consolidated financial statements reflect all adjustments, which in the opinion of management, are necessary for a fair presentation of the results of the interim periods and are of a normal and recurring nature. Operating results for the three month periods ended December 31, 2024 are not necessarily indicative of the results that may be expected for the year ending September 30, 2025.

Earnings per Share

Earnings per Share	3 Months Ended
	Dec. 31, 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 three months ended December 31, 2024 and 2023. Three Months Ended December 31, December 31, 2024 2023 Weighted-average common shares outstanding 18,133,095 18,133,095 Average treasury stock shares ( 7,979,148 ) ( 7,862,516 ) Average unearned ESOP shares ( 555,419 ) ( 603,596 ) Average unearned non-vested shares ( 34,540 ) ( 31,568 ) Weighted average common shares and common stock 9,563,988 9,635,415 Additional common stock equivalents (nonvested stock) 27,074 1,766 Weighted average common shares and common stock 9,591,062 9,637,181 At December 31, 2024, there were 28,217 shares of nonvested stock outstanding at an average weighted price of $ 18.82 per share that were not included in the computation of diluted earnings per share because to do so would have been antidilutive. At December 31, 2023 there were no shares of nonvested stock outstanding that were not included in the computation of diluted earnings per share because to do so would have been antidilutive.

Use of Estimates in the Prepara

Use of Estimates in the Preparation of Financial Statements	3 Months Ended
	Dec. 31, 2024
Text Block [Abstract]
Use of Estimates in the Preparation of Financial Statements	3. Use of Estimates in the Preparation of Financial Statements The accounting principles followed by the Company and its subsidiaries and the methods of applying these principles conform to U.S. generally accepted accounting principles (“GAAP”) and to general practice within the banking industry. In preparing the consolidated financial statements, management 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.

Accounting Pronouncements

Accounting Pronouncements	3 Months Ended
	Dec. 31, 2024
Accounting Changes and Error Corrections [Abstract]
Accounting Pronouncements	4. 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. In November 2024, the FASB issued ASU 2024-03, Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures .This ASU requires disclosure in the notes to financial statements of specified information about certain costs and expenses. Specific disclosures are required for (a) purchases of inventory, (b) employee compensation, (c) depreciation, (d) intangible asset amortization, and (e) depreciation, depletion, and amortization recognized as part of oil and gas producing activities. The amendments in this Update do not change or remove current expense disclosure requirements. However, the amendments affect where this information appears in the notes to financial statements because entities are required to include certain current disclosures in the same tabular format disclosure as the other disaggregation requirements in the amendments. The amendments in ASU 2024-03 apply only to public business entities and are effective for fiscal years beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027, with early adoption permitted. This Update is not expected to have a significant impact on the Company’s financial statements. In December 2024, the FASB issued ASU 2024-04, Debt – Debt with Conversion and Other Options (Subtopic 470-20): Induced Conversions of Convertible Debt Instruments. This new guidance clarifies the assessment of whether a transaction should be accounted for as an induced conversion or extinguishment of convertible debt when changes are made to conversion features as part of an offer to settle the instrument. The ASU requires entities to apply a preexisting contract approach. To qualify for induced conversion accounting under this approach, the inducement offer is required to preserve the form of consideration and result in an amount of consideration that is no less than that issuable pursuant to the preexisting conversion privileges. The guidance is effective for fiscal years beginning after December 15, 2025, with early adoption permitted, and it can be adopted either on a prospective or retrospective basis. This Update is not expected to have a significant impact on the Company’s financial statements. In January 2025, the FASB issued ASU 2025-01, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40) , which revises the effective date of ASU 2024-03 (on disclosures about disaggregation of income statement expenses) “to clarify that all public business entities are required to adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027.” Entities within the ASU’s scope are permitted to early adopt the ASU. This Update is not expected to have a significant impact on the Company’s financial statements.

Investment Securities

Investment Securities	3 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	5. 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): December 31, 2024 Amortized Gross Gross Allowance for Fair Value Available for Sale Fannie Mae $ 53,254 $ 153 $ ( 4,094 ) $ - $ 49,313 Freddie Mac 54,052 26 ( 3,577 ) - 50,501 Governmental National Mortgage Association 17,794 88 ( 509 ) - 17,373 Total mortgage-backed securities 125,100 267 ( 8,180 ) - 117,187 Obligations of states and political subdivisions 9,024 - ( 339 ) - 8,685 U.S. government agency securities 7,316 3 ( 16 ) - 7,303 Corporate obligations 75,877 149 ( 4,380 ) - 71,646 Other debt securities 7,443 16 ( 523 ) - 6,936 Total $ 224,760 $ 435 $ ( 13,438 ) $ - $ 211,757 Amortized Gross Gross Fair Value Allowance for Held to Maturity Fannie Mae $ 24,074 $ - $ ( 3,756 ) $ 20,318 $ - Freddie Mac 19,637 - ( 3,290 ) 16,347 - Total mortgage-backed securities 43,711 - ( 7,046 ) 36,665 - U.S. government agency securities 2,453 - ( 395 ) 2,058 - Total $ 46,164 $ - $ ( 7,441 ) $ 38,723 $ - September 30, 2024 Amortized Gross Gross Allowance for Fair Value 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 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 $ 225,599 $ 857 $ ( 10,587 ) $ - $ 215,869 Amortized Gross Gross Fair Value Allowance for Held to Maturity Fannie Mae $ 24,774 $ - $ ( 3,030 ) $ 21,744 $ - Freddie Mac 20,153 - ( 2,524 ) 17,629 - Total mortgage-backed securities 44,927 - ( 5,554 ) 39,373 - U.S. government agency securities 2,451 - ( 305 ) 2,146 - Total $ 47,378 $ - $ ( 5,859 ) $ 41,519 $ - The amortized cost and fair value of debt securities at December 31, 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 Value Amortized Fair Value Due in one year or less $ 8,955 $ 8,908 $ - $ - Due after one year through five years 33,956 32,823 - - Due after five years through ten years 69,585 64,891 5,971 5,255 Due after ten years 112,264 105,135 40,193 33,468 Total $ 224,760 $ 211,757 $ 46,164 $ 38,723 For the three months ended December 31, 2024 and 2023, the Company realized no gross gains or gross losses on proceeds from the sale on investment securities. 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 December 31, 2024 and September 30, 2024 (dollars in thousands): December 31, 2024 Number of Less than Twelve Twelve Months or Total Fair Gross Fair Gross Fair Gross Fannie Mae 75 $ 2,974 $ ( 66 ) $ 59,130 $ ( 7,784 ) $ 62,104 $ ( 7,850 ) Freddie Mac 70 12,202 ( 266 ) 52,575 ( 6,601 ) 64,777 ( 6,867 ) Governmental National Mortgage 18 6,169 ( 54 ) 5,944 ( 455 ) 12,113 ( 509 ) U.S. government agency securities 3 1,685 ( 4 ) 4,546 ( 407 ) 6,231 ( 411 ) Obligations of states and political 10 992 ( 8 ) 7,692 ( 331 ) 8,684 ( 339 ) Corporate obligations 80 7,895 ( 309 ) 57,388 ( 4,071 ) 65,283 ( 4,380 ) Other debt securities 17 344 ( 1 ) 4,838 ( 522 ) 5,182 ( 523 ) Total 273 $ 32,261 $ ( 708 ) $ 192,113 $ ( 20,171 ) $ 224,374 $ ( 20,879 ) September 30, 2024 Less than Twelve Twelve Months or Greater Total Number of 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 ) At December 31, 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 $ 185.6 million, including unrealized losses of $ 13.4 million. The Company 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 Company 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 $ 1.2 million at December 31, 2024 and is included within other assets on the consolidated balance sheet. This amount is excluded from the estimate of expected credit losses. At December 31, 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 $ 38.7 million, including unrealized losses of $ 7.4 million. The Company did not recognize any credit losses on held-to-maturity debt securities for the three months ended December 31, 2024 and 2023. Accrued interest receivable on held-to-maturity debt securities totaled $ 61,000 at December 31, 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 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 Company 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 Company 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 Company 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 September30, 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 December 31, 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, Net and Allow

Loans Receivable, Net and Allowance for Credit Losses on Loans	3 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans Receivable, Net and Allowance for Credit Losses on Loans	6. Loans Receivable, Net and Allowance for Credit Losses on Loans Loans receivable consist of the following (in thousands): December 31, 2024 September 30, 2024 Real estate loans: Residential $ 730,995 $ 721,505 Construction 16,245 14,851 Commercial 875,614 884,621 Commercial 45,504 36,799 Obligations of states and political subdivisions 48,491 48,570 Home equity loans and lines of credit 52,336 51,306 Auto loans 61 65 Other 2,066 1,873 1,771,312 1,759,590 Less allowance for credit losses 15,082 15,306 Net loans $ 1,756,230 $ 1,744,284 As of December 31, 2024 and September 30, 2024, the Company considered its concentration of credit risk to be acceptable. As of December 31, 2024, the highest concentrations are in lessors of residential buildings and dwellings and the lessors of nonresidential buildings and dwellings categories, with loans outstanding of $ 333.0 million, or 18.8 % of loans outstanding, to residential lessors, and $ 297.9 million, or 16.8 % of loans outstanding, to commercial lessors. As of September 30, 2024, the highest concentrations are in lessors of residential buildings and dwellings and the lessors of nonresidential 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 the 3 months ended December 31, 2024. The following tables show the amount of loans in each category that were individually and collectively evaluated for credit loss at the dates indicated (in thousands): Total Loans Individually Collectively December 31, 2024 Real estate loans: Residential $ 730,995 $ 1,878 $ 729,117 Construction 16,245 - 16,245 Commercial 875,614 5,838 869,776 Commercial 45,504 874 44,630 Obligations of states and political subdivisions 48,491 - 48,491 Home equity loans and lines of credit 52,336 32 52,304 Auto loans 61 - 61 Other 2,066 - 2,066 Total $ 1,771,312 $ 8,622 $ 1,762,690 Total Loans 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 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 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 analysed for credit loss 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 tables present the recorded investment in non-homogenous pools by internal risk rating systems (in thousands); Revolving Revolving Term Loans Amortized on Cost Basis by Origination Year Loans Loans Amortized Converted December 31, 2024 2025 2024 2023 2022 2021 Prior Cost Basis to Term Total Commercial real estate Risk Rating Pass $ 9,607 $ 94,823 $ 142,929 $ 221,409 $ 129,106 $ 236,738 $ 11,622 $- $ 846,234 Special Mention - 431 11,054 346 - 9,061 - - 20,892 Substandard - - - - 132 8,356 - - 8,488 Doubtful - - - - - - - - - Total $ 9,607 $ 95,254 $ 153,983 $ 221,755 $ 129,238 $ 254,155 $ 11,622 $- $ 875,614 Commercial real estate Current period gross charge-offs $- $- $- $- $- $- $- $- $- Commercial Risk Rating Pass $ 3,165 $ 2,106 $ 6,977 $ 3,835 $ 362 $ 8,648 $ 17,890 $- $ 42,983 Special Mention - - - - 962 - - - 962 Substandard - - 460 - 422 677 - - 1,559 Doubtful - - - - - - - - - Total $ 3,165 $ 2,106 $ 7,437 $ 3,835 $ 1,746 $ 9,325 $ 17,890 $- $ 45,504 Commercial Current period gross charge-offs $- $- $- $- $- $- $- $- $- Obligations of states and political subdivisions Risk Rating Pass $- $ 2,378 $ 3,248 $ 4,456 $ 11,539 $ 26,870 $- $- $ 48,491 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total $- $ 2,378 $ 3,248 $ 4,456 $ 11,539 $ 26,870 $- $- $ 48,491 Obligations of states and political subdivisions Current period gross charge-offs $- $- $- $- $- $- $- $- $- Total Pass $ 12,772 $ 99,307 $ 153,154 $ 229,700 $ 141,007 $ 272,256 $ 29,512 $- $ 937,708 Special Mention - 431 11,054 346 962 9,061 - - 21,854 Substandard - - 460 - 554 9,033 - - 10,047 Doubtful - - - - - - - - - Total $ 12,772 $ 99,738 $ 164,668 $ 230,046 $ 142,523 $ 290,350 $ 29,512 $- $ 969,609 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 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 tables present the carrying value of residential and consumer loans based on payment activity (in thousands): Revolving Revolving Term Loans Amortized on Cost Basis by Origination Year Loans Loans Amortized Converted December 31, 2024 2025 2024 2023 2022 2021 Prior Cost Basis to Term Total Residential real estate Payment Performance Performing $ 19,973 $ 51,906 $ 100,732 $ 148,570 $ 131,082 $ 276,908 $ - $ - $ 729,171 Nonperforming - - - 206 - 1,618 - - 1,824 Total $ 19,973 $ 51,906 $ 100,732 $ 148,776 $ 131,082 $ 278,526 $ - $ - $ 730,995 Residential real estate Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Construction Payment Performance Performing $ 1,175 $ 11,739 $ 3,331 $ - $ - $ - $ - $ - $ 16,245 Nonperforming - - - - - - - - - Total $ 1,175 $ 11,739 $ 3,331 $ - $ - $ - $ - $ - $ 16,245 Construction Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Home equity loans and lines of credit - Payment Performance Performing $ 1,619 $ 4,212 $ 9,537 $ 6,814 $ 1,716 $ 3,977 $ 21,805 $ 2,624 $ 52,304 Nonperforming - - - - - 32 - - 32 Total $ 1,619 $ 4,212 $ 9,537 $ 6,814 $ 1,716 $ 4,009 $ 21,805 $ 2,624 $ 52,336 Home equity loans and lines of credit Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Auto - Payment Performance Performing $ - $ - $ - $ - $ 61 $ - $ - $ 61 Nonperforming - - - - - - - - - Total $ - $ - $ - $ - $ - $ 61 $ - $ - $ 61 Auto Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Other - Payment Performance Performing $ 100 $ 134 $ 205 $ 62 $ 2 $ 145 $ 1,396 $ - $ 2,044 Nonperforming - - - - - 22 - - 22 Total $ 100 $ 134 $ 205 $ 62 $ 2 $ 167 $ 1,396 $ - $ 2,066 Other Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Total Payment Performance Performing $ 22,867 $ 67,991 $ 113,805 $ 155,446 $ 132,800 $ 281,091 $ 23,201 $ 2,624 $ 799,825 Nonperforming - - - 206 - 1,672 - - 1,878 Total $ 22,867 $ 67,991 $ 113,805 $ 155,652 $ 132,800 $ 282,763 $ 23,201 $ 2,624 $ 801,703 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 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 of performing loans and nonaccrual loans as of December 31, 2024 and September 30, 2024 (in thousands): 31-60 Days 61-89 Days 90 + Days Total Total Current Past Due Past Due Past Due Past Due Loans December 31, 2024 Real estate loans: Residential $ 727,508 $ 2,261 $ 995 $ 231 $ 3,487 $ 730,995 Construction 16,245 - - - - 16,245 Commercial 862,525 12,956 - 133 13,089 875,614 Commercial 45,306 - - 198 198 45,504 Obligations of states and political subdivisions 48,491 - - - - 48,491 Home equity loans and lines of credit 52,268 68 - - 68 52,336 Auto loans 61 - - - - 61 Other 2,044 - - 22 22 2,066 Total $ 1,754,448 $ 15,285 $ 995 $ 584 $ 16,864 $ 1,771,312 31-60 Days 61-89 Days 90 + Days 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 political subdivisions 48,570 - - - - 48,570 Home equity loans and lines of credit 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 The following tables presents the amortized cost basis of loans on nonaccrual status and loans past due 90 days or more and still accruing interest as of December 31, 2024 (in thousands): Nonaccrual with No ACL Nonaccrual with ACL Total Nonaccrual Loans Past Due Over 90 Days and Still Accruing Total Nonperforming December 31, 2024 Real estate loans: Residential $ 1,824 $ - $ 1,824 $ - $ 1,824 Construction - - - - - Commercial 5,841 - 5,841 - 5,841 Commercial 875 - 875 - 875 Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit 32 - 32 - 32 Auto loans - - - - - Other 22 - 22 - 22 Total $ 8,594 $ - $ 8,594 $ - $ 8,594 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 There are no loans 90 days or more past due that are accruing interest at December 31, 2024. 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 changes in the primary segments of the allowance for credit losses during the three months ended December 31, 2024 and 2023 (in thousands): Home Obligations of Equity States and Loans and Real Estate Loans Commercial Political Lines of Auto Other Residential Construction Commercial Loans Subdivisions Credit Loans Loans Unallocated Total ACL balance at September 30, 2024 $ 5,379 $ 268 $ 7,815 $ 760 $ 281 $ 773 $ 2 $ 28 $ - $ 15,306 Charge-offs - - - - - - - - - - Recoveries 13 - 17 - - 1 6 - - 37 Provision 51 21 ( 331 ) ( 24 ) 5 20 ( 6 ) 3 - ( 261 ) ACL balance at December 31, 2024 $ 5,443 $ 289 $ 7,501 $ 736 $ 286 $ 794 $ 2 $ 31 $ - $ 15,082 ALL balance at September 30, 2023 $ 4,897 $ 183 $ 11,983 $ 941 $ 110 $ 346 $ 2 $ 22 $ 41 18,525 Impact or adopting ASC 326 503 254 ( 3,729 ) ( 292 ) 129 423 2 ( 4 ) ( 41 ) ( 2,755 ) Charge-offs - - - - - - - ( 10 ) - ( 10 ) Recoveries - - - - - 3 7 - - 10 Provision ( 511 ) ( 6 ) 123 41 37 ( 26 ) ( 8 ) 10 - ( 340 ) ALL balance at December 31, 2023 $ 4,889 $ 431 $ 8,377 $ 690 $ 276 $ 746 $ 3 $ 18 $ - $ 15,430 During the three months ended December 31, 2024, the Company recorded release of allowance for credit losses for commercial real estate loans commercial loans and auto loan segments due to decreased loan balances, improved asset quality, changes in the loan mix within the pool, and/or decreased charge-off activity in those segments. The Company recorded credit provision expense for the construction real estate loans, residential real estate loans, obligations of states and political subdivisions, home equity loans and lines of credit due and other loans due to increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments During the three months ended December 31, 2023, the Company recorded release of allowance for credit losses for residential real estate loans, construction real estate loans, home equity loans and lines of credit and auto loans 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 Company recorded credit provision expense for the commercial real estate loans, commercial loans segments, obligations of states and political subdivisions and other loans due to increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. The following tables summarizes the amount of loans in each segments that were individually and collectively evaluated for credit loss as of December 31, 2024 and September 30, 2024 (in thousands): Home Obligations of Equity States and Loans and Real Estate Loans Commercial Political Lines of Other Residential Construction Commercial Loans Subdivisions Credit Auto Loans Loans Total Individually $ 1 $ - $ - $ - $ - $ - $ - $ - $ 1 Collectively 5,442 289 7,501 736 286 794 2 31 15,081 Ending balance at December 31, 2024 $ 5,443 $ 289 $ 7,501 $ 736 $ 286 $ 794 $ 2 $ 31 $ 15,082 Home Obligations of Equity States and Loans and Real Estate Loans Commercial Political Lines of Other Residential Construction Commercial Loans Subdivisions Credit Auto Loans Loans Total Individually $ 2 $ - $ - $ - $ - $ - $ - $ - $ 2 Collectively 5,377 268 7,815 760 281 773 2 28 15,304 Ending balance at September 30, 2024 $ 5,379 $ 268 $ 7,815 $ 760 $ 281 $ 773 $ 2 $ 28 $ 15,306 Collateral-Dependent Loans The following tables present the collateral-dependent loans by portfolio segment at December 31, 2024 and September 30, 2024 (in thousands): Real Estate Business Assets Other December 31, 2024 Real estate loans: Residential $ 1,878 $ - $ - Construction - - - Commercial 5,838 - - Commercial - 874 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 32 - - Auto loans - - - Other - - - Total $ 7,748 $ 874 $ - 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,

Deposits

Deposits	3 Months Ended
	Dec. 31, 2024
Deposits Liabilities Disclosures [Abstract]
Deposits	7. Deposits Deposits consist of the following major classifications (in thousands): December 31, 2024 September 30, 2024 Non-interest bearing demand accounts $ 255,460 $ 256,638 Interest bearing demand accounts 277,865 312,683 Money market accounts 375,098 334,638 Savings and club accounts 142,005 143,031 Certificates of deposit 649,554 582,061 Total $ 1,699,982 $ 1,629,051

Net Periodic Benefit Cost-Defin

Net Periodic Benefit Cost-Defined Benefit Plan	3 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Net Periodic Benefit Cost-Defined Benefit Plan	8. Net Periodic Benefit Cost-Defined Benefit Plan For a detailed disclosure on the Bank’s pension and employee benefits plans, please refer to Note 12 of the Company’s Consolidated Financial Statements for the year ended September 30, 2024 included in the Company’s Annual Report on Form 10-K. The following table comprises the components of net periodic benefit cost (income) for the three months ended December 31, 2024 and 2023 (in thousands): For the Three Months Ended December 31, 2024 2023 Service Cost $ - $ - Interest Cost 149 171 Expected return on plan assets ( 305 ) ( 261 ) Partial settlement - - Amortization of net loss from earlier periods ( 8 ) - Net periodic benefit income $ ( 164 ) $ ( 90 ) The Company’s board of directors adopted resolutions to freeze the status of the Defined Benefit Plan (“the plan”) effective February 28, 2017 (“the freeze date”). Accordingly, no additional participants have been allowed to enter the plan since February 28, 2017; no additional years of service for benefit accrual purposes have been credited since the freeze date under the plan; and compensation earned by participants after the freeze date is not taken into account under the plan.

Equity Incentive Plan

Equity Incentive Plan	3 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Equity Incentive Plan	9. 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 that were 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 granted 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”) which was approved by shareholders on March 3, 2016. 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, ISOs and NSOs. The Company replaced the 2016 Equity Incentive Plan with the ESSA Bancorp, Inc. 2024 Equity Incentive Plan (the “2024 Plan”) which was approved by shareholders on March 7, 2024. The 2024 Plan 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, ISO’s and NSO’s. The Company classifies share-based compensation for employees and outside directors within “Compensation and employee benefits” in the Consolidated Statement of Operations to correspond with the same line item as compensation paid. Restricted stock shares outstanding at December 31, 2024 vest over periods ranging from three to 39 months. 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. For the three months ended December 31, 2024 and 2023, the Company recorded $ 294,000 and $ 293,000 of share-based compensation expense, respectively, comprised of restricted stock expense. Expected future compensation expense relating to the restricted shares outstanding at December 31, 2024 is $ 827,000 over the remaining vesting period of 3.75 years. The following is a summary of the status of the Company’s restricted stock as of December 31, 2024, and changes therein during the three month period then ended: Number of Stock Weighted- Nonvested at September 30, 2024 34,830 $ 16.53 Granted 31,106 18.97 Vested ( 500 ) 18.76 Forfeited — — Nonvested at December 31, 2024 65,436 $ 17.56

Fair Value

Fair Value	3 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value	10. 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 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 December 31, 2024 and September 30, 2024 by level within the fair value hierarchy (in thousands). Recurring Fair Value Measurements at Reporting Date December 31, 2024 Assets Level I Level II Level III Total Investment securities available for sale: Mortgage backed securities $ - $ 117,187 $ - $ 117,187 Obligations of states and political subdivisions - 8,685 - 8,685 U.S. government agency securities - 7,303 - 7,303 Corporate obligations - 66,746 4,900 71,646 Other debt securities - 6,936 - 6,936 Total debt securities $ - $ 206,857 $ 4,900 $ 211,757 Equity securities- financial services 27 - - 27 Derivatives and hedging activities - 10,412 - 10,412 Liabilities Derivatives and hedging activities $ - $ 7,138 $ - $ 7,138 September 30, 2024 Assets Level I Level II Level III Total 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 The following table presents a summary of changes in the fair value of the Company’s Level III investments for the three months ended December 31, 2024 and 2023 (in thousands). Fair Value Measurement Using Three Months Ended December 31, 2024 December 31, 2023 Beginning balance $ 4,556 $ 2,836 Purchases, sales, issuances, settlements, net - - Total unrealized (loss) gain: Included in earnings - - Included in other comprehensive (loss) income 344 139 Transfers in and/or out of Level III - - $ 4,900 $ 2,975 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 December 31, 2024 and September 30, 2024 by level within the fair value hierarchy: Non-Recurring Fair Value Measurements at Reporting Date (in thousands) December 31, 2024 Level I Level II Level III Total Foreclosed real estate $ - $ - $ 3,195 $ 3,195 Individually evaluated loans held for investment - - 8,622 8,622 September 30, 2024 Level I Level II Level III Total Foreclosed real estate $ - $ - $ 3,195 $ 3,195 Individually evaluated loans held for investment - - 7,615 7,615 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 3 Fair Value Measurements (dollars in thousands) Fair Value Valuation Unobservable Range (Average) December 31, 2024 Individually evaluated loans held for investment $ 8,622 Appraisal of (1) Appraisal (2) 0 % to 35 % 20.7 %) Foreclosed real estate owned 3,195 Appraisal of (1) Appraisal (2) 10 % 10.0 %) Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) 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 % 20.8 %) Foreclosed real estate owned 3,195 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. Foreclosed real estate 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 the lower of carrying amount or 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. Individually evaluated loans are reported at fair value utilizing level three inputs. For these loans, a review of the collateral is conducted and an appropriate allowance for credit losses is allocated to the loan. At December 31, 2024 , 36 individually analyzed loans with a carrying value of $ 8.6 million were reduced by an ACL totaling $ 1,000 resulting in a net fair value of $ 8.6 million based on Level 3 inputs. At September 30, 2024 , 36 impaired loans with a carrying value of $ 7.6 million were reduced by a specific valuation totaling $ 2,000 resulting in a net fair value of $ 7.6 million based on Level 3 inputs. Assets and Liabilities not Required to be Measured and Reported at Fair Value The following tables provide the carrying value and fair value for certain financial instruments that are not required to be measured or reported at fair value on the Consolidated Balance Sheet at December 31, 2024 and September 30, 2024 by level within the fair value hierarchy: December 31, 2024 (in thousands) Carrying Value Level I Level II Level III Total Fair Financial assets: Investment securities held to maturity $ 46,164 $ - $ 38,723 $ - $ 38,723 Loans receivable, net 1,756,230 - - 1,621,494 1,621,494 Mortgage servicing rights 1,074 - - 1,600 1,600 Financial liabilities: Deposits $ 1,699,982 $ 1,050,428 $ - $ 648,293 $ 1,698,721 Short term borrowings 215,000 - - 215,056 215,056 Other borrowings 10,000 - - 10,016 10,016 September 30, 2024 (in thousands) Carrying Value Level I Level II Level III Total Fair Financial assets: Investment securities held to maturity $ 47,378 $ - $ 41,519 $ - $ 41,519 Loans receivable, net 1,744,284 - - 1,635,032 1,635,032 Mortgage servicing rights 1,051 - - 1,450 1,450 Financial liabilities: Deposits $ 1,629,051 $ 1,046,990 $ - $ 581,842 $ 1,628,832 Short-term borrowings 280,000 - - 280,000 280,000 Other borrowings 10,000 - - 10,042 10,042

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Accumulated Other Comprehensive Income (Loss)	11. Accumulated Other Comprehensive Income (Loss) The activity in accumulated other comprehensive income (loss) for the three months ended December 31, 2024 and 2023 is as follows (in thousands): Accumulated Other Defined Unrealized Gains Derivatives Total Balance at September 30, 2024 $ 1,891 $ ( 7,685 ) $ ( 771 ) $ ( 6,565 ) Other comprehensive (loss) income before - ( 2,585 ) 4,455 1,870 Amounts reclassified from accumulated - - ( 1,097 ) ( 1,097 ) Period change - ( 2,585 ) 3,358 773 Balance at December 31, 2024 $ 1,891 $ ( 10,270 ) $ 2,587 $ ( 5,792 ) Balance at September 30, 2023 $ 66 $ ( 17,525 ) $ 7,966 $ ( 9,493 ) Other comprehensive (loss) income before - 6,229 ( 2,166 ) 4,063 Amounts reclassified from accumulated - - ( 1,856 ) ( 1,856 ) Period change - 6,229 ( 4,022 ) 2,207 Balance at December 31, 2023 $ 66 $ ( 11,296 ) $ 3,944 $ ( 7,286 ) The following table presents significant amounts reclassified out of each component of accumulated other comprehensive income (loss) for the three months ended December 31, 2024 and 2023 (in thousands): Amount Reclassified from Details About Accumulated Other Comprehensive Income (Loss) Components Accumulated Other Comprehensive Income (Loss) for the Three Months Ended December 31, Affected Line Item in the 2024 2023 Derivatives and hedging activities: Interest expense, effective portion 1,389 2,350 Interest expense Related income tax expense ( 292 ) ( 494 ) Income taxes Net effect on accumulated other comprehensive income 1,097 1,856 Total reclassification for the period $ 1,097 $ 1,856

Derivatives and Hedging Activit

Derivatives and Hedging Activities	3 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives and Hedging Activities	12. Derivatives and Hedging Activities Risk Management Objective of Using Derivatives The Company is exposed to certain risks 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 through 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 principally related to certain variable rate borrowings. 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 of December 31, 2024 and September 30, 2024 (in thousands). Fair Values of Derivative Instruments Asset Derivatives As of December 31, 2024 As of September 30, 2024 Hedged Item Notional Fair Notional Fair FHLB Advances $ 220,000 $ 3,799 $ 125,000 $ 2,375 Commercial Loans 105,632 6,613 97,089 5,828 Total $ 325,632 $ 10,412 $ 222,089 $ 8,203 Fair Values of Derivative Instruments Liability Derivatives As of December 31, 2024 As of September 30, 2024 Hedged Item Notional Fair Notional Fair FHLB Advances $ 160,000 $ 522 $ 255,000 $ 3,348 Commercial Loans 121,292 6,616 127,497 5,835 Total $ 281,292 $ 7,138 $ 382,497 $ 9,183 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 December 31, 2024 , the Company had eighteen interest rate swaps with a notional principal amount of $ 380.0 million associated with the Company’s cash outflows associated with various FHLB advances and $ 226.9 million associated with associated with various 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 three months ended December 31, 2024 and 2023. Amounts reported in accumulated other comprehensive income (loss) related to derivatives that will be reclassified to interest income/expense as interest payments are made/received on the Company’s variable-rate assets/liabilities. During the three months ended December 31, 2024 , the Company had $ 1.4 million of gains, which resulted in a decrease to interest expense. During the three months ended December 31, 2023 , the Company had $ 2.4 million of gains which resulted in a decrease to interest expense. During the next twelve months, the Company estimates that $ 2.2 million will be reclassified as a decrease to interest expense. The table below presents the effect of the Company’s cash flow hedge accounting on Accumulated Other Comprehensive Income (Loss) for the three months ended December 31, 2024 and 2023 (in thousands). The Effect of Fair Value and Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income (Loss) Derivatives in Hedging Relationships (Gain) Loss Recognized in Location of Gain Gain (Loss) Reclassified Derivatives in Cash Flow Hedging Relationships 2024 2023 2024 2023 Interest Rate Products $ 4,253 $ ( 5,095 ) Interest expense $ 1,389 $ 2,350 Total $ 4,253 $ ( 5,095 ) $ 1,389 $ 2,350 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 December 31, 2024 and September 30, 2024 , the Company had no derivatives in a net liability position and was no t required to post collateral against its obligations under these agreements. If the Company had breached any of these provisions at December 31, 2024 and September 30, 2024 , it could have been required to settle its obligations under the agreements at the termination value.

Contingent Liabilities

Contingent Liabilities	3 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Contingent Liabilities	13. Contingent Liabilities 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 (“the Bank”) 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, but, as explained below, have recently been re-opened. The Company and the Bank 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 the Bank, 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 filed a motion seeking relief from some of the court’s prior orders. On November 20, 2024 the court granted Plaintiffs’ motion and vacated the prior orders that had granted summary judgment in favor of all defendants except the subsidiary alleged to have employed the individuals who allegedly violated RESPA. The court also allowed Plaintiffs additional discovery. The Company and the Bank will continue to vigorously defend against Plaintiffs’ allegations. To the extent that this matter could result in exposure to the Company and/or the Bank, the amount or range of such exposure is not currently estimable but could be substantial. On May 29, 2020, the Company and the Bank 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 the Bank intend to vigorously defend against plaintiffs’ allegations. To the extent that this matter could result in exposure to the Company and/or the Bank, the amount or range of such exposure is not currently estimable but could be substantial.

Revenue Recognition

Revenue Recognition	3 Months Ended
	Dec. 31, 2024
Revenue from Contract with Customer [Abstract]
Revenue Recognition	14. Revenue Recognition Management determined that the primary sources of revenue associated with financial instruments, including interest income on loans and investments, along with certain noninterest revenue sources including investment security gains, loan servicing charges, gains on the sale of loans, and earnings on bank owned life insurance are not within the scope of Topic 606. Noninterest income within the scope of Topic 606 are as follows: 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.

Accounting Pronouncements (Poli

Accounting Pronouncements (Policies)	3 Months Ended
	Dec. 31, 2024
Accounting Changes and Error Corrections [Abstract]
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. In November 2024, the FASB issued ASU 2024-03, Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures .This ASU requires disclosure in the notes to financial statements of specified information about certain costs and expenses. Specific disclosures are required for (a) purchases of inventory, (b) employee compensation, (c) depreciation, (d) intangible asset amortization, and (e) depreciation, depletion, and amortization recognized as part of oil and gas producing activities. The amendments in this Update do not change or remove current expense disclosure requirements. However, the amendments affect where this information appears in the notes to financial statements because entities are required to include certain current disclosures in the same tabular format disclosure as the other disaggregation requirements in the amendments. The amendments in ASU 2024-03 apply only to public business entities and are effective for fiscal years beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027, with early adoption permitted. This Update is not expected to have a significant impact on the Company’s financial statements. In December 2024, the FASB issued ASU 2024-04, Debt – Debt with Conversion and Other Options (Subtopic 470-20): Induced Conversions of Convertible Debt Instruments. This new guidance clarifies the assessment of whether a transaction should be accounted for as an induced conversion or extinguishment of convertible debt when changes are made to conversion features as part of an offer to settle the instrument. The ASU requires entities to apply a preexisting contract approach. To qualify for induced conversion accounting under this approach, the inducement offer is required to preserve the form of consideration and result in an amount of consideration that is no less than that issuable pursuant to the preexisting conversion privileges. The guidance is effective for fiscal years beginning after December 15, 2025, with early adoption permitted, and it can be adopted either on a prospective or retrospective basis. This Update is not expected to have a significant impact on the Company’s financial statements. In January 2025, the FASB issued ASU 2025-01, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40) , which revises the effective date of ASU 2024-03 (on disclosures about disaggregation of income statement expenses) “to clarify that all public business entities are required to adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027.” Entities within the ASU’s scope are permitted to early adopt the ASU. This Update is not expected to have a significant impact on the Company’s financial statements.

Earnings per Share (Tables)

Earnings per Share (Tables)	3 Months Ended
	Dec. 31, 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 three months ended December 31, 2024 and 2023. Three Months Ended December 31, December 31, 2024 2023 Weighted-average common shares outstanding 18,133,095 18,133,095 Average treasury stock shares ( 7,979,148 ) ( 7,862,516 ) Average unearned ESOP shares ( 555,419 ) ( 603,596 ) Average unearned non-vested shares ( 34,540 ) ( 31,568 ) Weighted average common shares and common stock 9,563,988 9,635,415 Additional common stock equivalents (nonvested stock) 27,074 1,766 Weighted average common shares and common stock 9,591,062 9,637,181

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Dec. 31, 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): December 31, 2024 Amortized Gross Gross Allowance for Fair Value Available for Sale Fannie Mae $ 53,254 $ 153 $ ( 4,094 ) $ - $ 49,313 Freddie Mac 54,052 26 ( 3,577 ) - 50,501 Governmental National Mortgage Association 17,794 88 ( 509 ) - 17,373 Total mortgage-backed securities 125,100 267 ( 8,180 ) - 117,187 Obligations of states and political subdivisions 9,024 - ( 339 ) - 8,685 U.S. government agency securities 7,316 3 ( 16 ) - 7,303 Corporate obligations 75,877 149 ( 4,380 ) - 71,646 Other debt securities 7,443 16 ( 523 ) - 6,936 Total $ 224,760 $ 435 $ ( 13,438 ) $ - $ 211,757 Amortized Gross Gross Fair Value Allowance for Held to Maturity Fannie Mae $ 24,074 $ - $ ( 3,756 ) $ 20,318 $ - Freddie Mac 19,637 - ( 3,290 ) 16,347 - Total mortgage-backed securities 43,711 - ( 7,046 ) 36,665 - U.S. government agency securities 2,453 - ( 395 ) 2,058 - Total $ 46,164 $ - $ ( 7,441 ) $ 38,723 $ - September 30, 2024 Amortized Gross Gross Allowance for Fair Value 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 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 $ 225,599 $ 857 $ ( 10,587 ) $ - $ 215,869 Amortized Gross Gross Fair Value Allowance for Held to Maturity Fannie Mae $ 24,774 $ - $ ( 3,030 ) $ 21,744 $ - Freddie Mac 20,153 - ( 2,524 ) 17,629 - Total mortgage-backed securities 44,927 - ( 5,554 ) 39,373 - U.S. government agency securities 2,451 - ( 305 ) 2,146 - Total $ 47,378 $ - $ ( 5,859 ) $ 41,519 $ -
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt securities at December 31, 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 Value Amortized Fair Value Due in one year or less $ 8,955 $ 8,908 $ - $ - Due after one year through five years 33,956 32,823 - - Due after five years through ten years 69,585 64,891 5,971 5,255 Due after ten years 112,264 105,135 40,193 33,468 Total $ 224,760 $ 211,757 $ 46,164 $ 38,723
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 December 31, 2024 and September 30, 2024 (dollars in thousands): December 31, 2024 Number of Less than Twelve Twelve Months or Total Fair Gross Fair Gross Fair Gross Fannie Mae 75 $ 2,974 $ ( 66 ) $ 59,130 $ ( 7,784 ) $ 62,104 $ ( 7,850 ) Freddie Mac 70 12,202 ( 266 ) 52,575 ( 6,601 ) 64,777 ( 6,867 ) Governmental National Mortgage 18 6,169 ( 54 ) 5,944 ( 455 ) 12,113 ( 509 ) U.S. government agency securities 3 1,685 ( 4 ) 4,546 ( 407 ) 6,231 ( 411 ) Obligations of states and political 10 992 ( 8 ) 7,692 ( 331 ) 8,684 ( 339 ) Corporate obligations 80 7,895 ( 309 ) 57,388 ( 4,071 ) 65,283 ( 4,380 ) Other debt securities 17 344 ( 1 ) 4,838 ( 522 ) 5,182 ( 523 ) Total 273 $ 32,261 $ ( 708 ) $ 192,113 $ ( 20,171 ) $ 224,374 $ ( 20,879 ) September 30, 2024 Less than Twelve Twelve Months or Greater Total Number of 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 )

Loans Receivable, Net and All_2

Loans Receivable, Net and Allowance for Credit Losses on Loans (Tables)	3 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Summary of Loans Receivable	Loans receivable consist of the following (in thousands): December 31, 2024 September 30, 2024 Real estate loans: Residential $ 730,995 $ 721,505 Construction 16,245 14,851 Commercial 875,614 884,621 Commercial 45,504 36,799 Obligations of states and political subdivisions 48,491 48,570 Home equity loans and lines of credit 52,336 51,306 Auto loans 61 65 Other 2,066 1,873 1,771,312 1,759,590 Less allowance for credit losses 15,082 15,306 Net loans $ 1,756,230 $ 1,744,284
Schedule of Loans Evaluated for Impairment	The following tables show the amount of loans in each category that were individually and collectively evaluated for credit loss at the dates indicated (in thousands): Total Loans Individually Collectively December 31, 2024 Real estate loans: Residential $ 730,995 $ 1,878 $ 729,117 Construction 16,245 - 16,245 Commercial 875,614 5,838 869,776 Commercial 45,504 874 44,630 Obligations of states and political subdivisions 48,491 - 48,491 Home equity loans and lines of credit 52,336 32 52,304 Auto loans 61 - 61 Other 2,066 - 2,066 Total $ 1,771,312 $ 8,622 $ 1,762,690 Total Loans 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
Classes of the Loan Portfolio, Internal Risk Rating System	Based on the most recent analysis performed, the following tables present the recorded investment in non-homogenous pools by internal risk rating systems (in thousands); Revolving Revolving Term Loans Amortized on Cost Basis by Origination Year Loans Loans Amortized Converted December 31, 2024 2025 2024 2023 2022 2021 Prior Cost Basis to Term Total Commercial real estate Risk Rating Pass $ 9,607 $ 94,823 $ 142,929 $ 221,409 $ 129,106 $ 236,738 $ 11,622 $- $ 846,234 Special Mention - 431 11,054 346 - 9,061 - - 20,892 Substandard - - - - 132 8,356 - - 8,488 Doubtful - - - - - - - - - Total $ 9,607 $ 95,254 $ 153,983 $ 221,755 $ 129,238 $ 254,155 $ 11,622 $- $ 875,614 Commercial real estate Current period gross charge-offs $- $- $- $- $- $- $- $- $- Commercial Risk Rating Pass $ 3,165 $ 2,106 $ 6,977 $ 3,835 $ 362 $ 8,648 $ 17,890 $- $ 42,983 Special Mention - - - - 962 - - - 962 Substandard - - 460 - 422 677 - - 1,559 Doubtful - - - - - - - - - Total $ 3,165 $ 2,106 $ 7,437 $ 3,835 $ 1,746 $ 9,325 $ 17,890 $- $ 45,504 Commercial Current period gross charge-offs $- $- $- $- $- $- $- $- $- Obligations of states and political subdivisions Risk Rating Pass $- $ 2,378 $ 3,248 $ 4,456 $ 11,539 $ 26,870 $- $- $ 48,491 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total $- $ 2,378 $ 3,248 $ 4,456 $ 11,539 $ 26,870 $- $- $ 48,491 Obligations of states and political subdivisions Current period gross charge-offs $- $- $- $- $- $- $- $- $- Total Pass $ 12,772 $ 99,307 $ 153,154 $ 229,700 $ 141,007 $ 272,256 $ 29,512 $- $ 937,708 Special Mention - 431 11,054 346 962 9,061 - - 21,854 Substandard - - 460 - 554 9,033 - - 10,047 Doubtful - - - - - - - - - Total $ 12,772 $ 99,738 $ 164,668 $ 230,046 $ 142,523 $ 290,350 $ 29,512 $- $ 969,609 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
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 tables present the carrying value of residential and consumer loans based on payment activity (in thousands): Revolving Revolving Term Loans Amortized on Cost Basis by Origination Year Loans Loans Amortized Converted December 31, 2024 2025 2024 2023 2022 2021 Prior Cost Basis to Term Total Residential real estate Payment Performance Performing $ 19,973 $ 51,906 $ 100,732 $ 148,570 $ 131,082 $ 276,908 $ - $ - $ 729,171 Nonperforming - - - 206 - 1,618 - - 1,824 Total $ 19,973 $ 51,906 $ 100,732 $ 148,776 $ 131,082 $ 278,526 $ - $ - $ 730,995 Residential real estate Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Construction Payment Performance Performing $ 1,175 $ 11,739 $ 3,331 $ - $ - $ - $ - $ - $ 16,245 Nonperforming - - - - - - - - - Total $ 1,175 $ 11,739 $ 3,331 $ - $ - $ - $ - $ - $ 16,245 Construction Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Home equity loans and lines of credit - Payment Performance Performing $ 1,619 $ 4,212 $ 9,537 $ 6,814 $ 1,716 $ 3,977 $ 21,805 $ 2,624 $ 52,304 Nonperforming - - - - - 32 - - 32 Total $ 1,619 $ 4,212 $ 9,537 $ 6,814 $ 1,716 $ 4,009 $ 21,805 $ 2,624 $ 52,336 Home equity loans and lines of credit Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Auto - Payment Performance Performing $ - $ - $ - $ - $ 61 $ - $ - $ 61 Nonperforming - - - - - - - - - Total $ - $ - $ - $ - $ - $ 61 $ - $ - $ 61 Auto Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Other - Payment Performance Performing $ 100 $ 134 $ 205 $ 62 $ 2 $ 145 $ 1,396 $ - $ 2,044 Nonperforming - - - - - 22 - - 22 Total $ 100 $ 134 $ 205 $ 62 $ 2 $ 167 $ 1,396 $ - $ 2,066 Other Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - $ - Total Payment Performance Performing $ 22,867 $ 67,991 $ 113,805 $ 155,446 $ 132,800 $ 281,091 $ 23,201 $ 2,624 $ 799,825 Nonperforming - - - 206 - 1,672 - - 1,878 Total $ 22,867 $ 67,991 $ 113,805 $ 155,652 $ 132,800 $ 282,763 $ 23,201 $ 2,624 $ 801,703 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
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 of performing loans and nonaccrual loans as of December 31, 2024 and September 30, 2024 (in thousands): 31-60 Days 61-89 Days 90 + Days Total Total Current Past Due Past Due Past Due Past Due Loans December 31, 2024 Real estate loans: Residential $ 727,508 $ 2,261 $ 995 $ 231 $ 3,487 $ 730,995 Construction 16,245 - - - - 16,245 Commercial 862,525 12,956 - 133 13,089 875,614 Commercial 45,306 - - 198 198 45,504 Obligations of states and political subdivisions 48,491 - - - - 48,491 Home equity loans and lines of credit 52,268 68 - - 68 52,336 Auto loans 61 - - - - 61 Other 2,044 - - 22 22 2,066 Total $ 1,754,448 $ 15,285 $ 995 $ 584 $ 16,864 $ 1,771,312 31-60 Days 61-89 Days 90 + Days 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 political subdivisions 48,570 - - - - 48,570 Home equity loans and lines of credit 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
Schedule of Financing Receivable Collateral Dependent Loans	The following tables present the collateral-dependent loans by portfolio segment at December 31, 2024 and September 30, 2024 (in thousands): Real Estate Business Assets Other December 31, 2024 Real estate loans: Residential $ 1,878 $ - $ - Construction - - - Commercial 5,838 - - Commercial - 874 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 32 - - Auto loans - - - Other - - - Total $ 7,748 $ 874 $ - 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 $ -
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due Over 90 Days and Still Accruing	The following tables presents the amortized cost basis of loans on nonaccrual status and loans past due 90 days or more and still accruing interest as of December 31, 2024 (in thousands): Nonaccrual with No ACL Nonaccrual with ACL Total Nonaccrual Loans Past Due Over 90 Days and Still Accruing Total Nonperforming December 31, 2024 Real estate loans: Residential $ 1,824 $ - $ 1,824 $ - $ 1,824 Construction - - - - - Commercial 5,841 - 5,841 - 5,841 Commercial 875 - 875 - 875 Obligations of states and political subdivisions - - - - - Home equity loans and lines of credit 32 - 32 - 32 Auto loans - - - - - Other 22 - 22 - 22 Total $ 8,594 $ - $ 8,594 $ - $ 8,594 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
Summary of Primary Segments of Allowance of Credit Losses	The following table summarizes changes in the primary segments of the allowance for credit losses during the three months ended December 31, 2024 and 2023 (in thousands): Home Obligations of Equity States and Loans and Real Estate Loans Commercial Political Lines of Auto Other Residential Construction Commercial Loans Subdivisions Credit Loans Loans Unallocated Total ACL balance at September 30, 2024 $ 5,379 $ 268 $ 7,815 $ 760 $ 281 $ 773 $ 2 $ 28 $ - $ 15,306 Charge-offs - - - - - - - - - - Recoveries 13 - 17 - - 1 6 - - 37 Provision 51 21 ( 331 ) ( 24 ) 5 20 ( 6 ) 3 - ( 261 ) ACL balance at December 31, 2024 $ 5,443 $ 289 $ 7,501 $ 736 $ 286 $ 794 $ 2 $ 31 $ - $ 15,082 ALL balance at September 30, 2023 $ 4,897 $ 183 $ 11,983 $ 941 $ 110 $ 346 $ 2 $ 22 $ 41 18,525 Impact or adopting ASC 326 503 254 ( 3,729 ) ( 292 ) 129 423 2 ( 4 ) ( 41 ) ( 2,755 ) Charge-offs - - - - - - - ( 10 ) - ( 10 ) Recoveries - - - - - 3 7 - - 10 Provision ( 511 ) ( 6 ) 123 41 37 ( 26 ) ( 8 ) 10 - ( 340 ) ALL balance at December 31, 2023 $ 4,889 $ 431 $ 8,377 $ 690 $ 276 $ 746 $ 3 $ 18 $ - $ 15,430 The following tables summarizes the amount of loans in each segments that were individually and collectively evaluated for credit loss as of December 31, 2024 and September 30, 2024 (in thousands): Home Obligations of Equity States and Loans and Real Estate Loans Commercial Political Lines of Other Residential Construction Commercial Loans Subdivisions Credit Auto Loans Loans Total Individually $ 1 $ - $ - $ - $ - $ - $ - $ - $ 1 Collectively 5,442 289 7,501 736 286 794 2 31 15,081 Ending balance at December 31, 2024 $ 5,443 $ 289 $ 7,501 $ 736 $ 286 $ 794 $ 2 $ 31 $ 15,082 Home Obligations of Equity States and Loans and Real Estate Loans Commercial Political Lines of Other Residential Construction Commercial Loans Subdivisions Credit Auto Loans Loans Total Individually $ 2 $ - $ - $ - $ - $ - $ - $ - $ 2 Collectively 5,377 268 7,815 760 281 773 2 28 15,304 Ending balance at September 30, 2024 $ 5,379 $ 268 $ 7,815 $ 760 $ 281 $ 773 $ 2 $ 28 $ 15,306

Deposits (Tables)

Deposits (Tables)	3 Months Ended
	Dec. 31, 2024
Deposits Liabilities Disclosures [Abstract]
Schedule of Deposits by Major Classifications	Deposits consist of the following major classifications (in thousands): December 31, 2024 September 30, 2024 Non-interest bearing demand accounts $ 255,460 $ 256,638 Interest bearing demand accounts 277,865 312,683 Money market accounts 375,098 334,638 Savings and club accounts 142,005 143,031 Certificates of deposit 649,554 582,061 Total $ 1,699,982 $ 1,629,051

Net Periodic Benefit Cost-Def_2

Net Periodic Benefit Cost-Defined Benefit Plan (Tables)	3 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Summary of the Components of Net Periodic Benefit Cost (Income)	The following table comprises the components of net periodic benefit cost (income) for the three months ended December 31, 2024 and 2023 (in thousands): For the Three Months Ended December 31, 2024 2023 Service Cost $ - $ - Interest Cost 149 171 Expected return on plan assets ( 305 ) ( 261 ) Partial settlement - - Amortization of net loss from earlier periods ( 8 ) - Net periodic benefit income $ ( 164 ) $ ( 90 )

Equity Incentive Plan (Tables)

Equity Incentive Plan (Tables)	3 Months Ended
	Dec. 31, 2024
Postemployment Benefits [Abstract]
Schedule of Restricted Stock Option Activity	The following is a summary of the status of the Company’s restricted stock as of December 31, 2024, and changes therein during the three month period then ended: Number of Stock Weighted- Nonvested at September 30, 2024 34,830 $ 16.53 Granted 31,106 18.97 Vested ( 500 ) 18.76 Forfeited — — Nonvested at December 31, 2024 65,436 $ 17.56

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Dec. 31, 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 December 31, 2024 and September 30, 2024 by level within the fair value hierarchy (in thousands). Recurring Fair Value Measurements at Reporting Date December 31, 2024 Assets Level I Level II Level III Total Investment securities available for sale: Mortgage backed securities $ - $ 117,187 $ - $ 117,187 Obligations of states and political subdivisions - 8,685 - 8,685 U.S. government agency securities - 7,303 - 7,303 Corporate obligations - 66,746 4,900 71,646 Other debt securities - 6,936 - 6,936 Total debt securities $ - $ 206,857 $ 4,900 $ 211,757 Equity securities- financial services 27 - - 27 Derivatives and hedging activities - 10,412 - 10,412 Liabilities Derivatives and hedging activities $ - $ 7,138 $ - $ 7,138 September 30, 2024 Assets Level I Level II Level III Total 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
Schedule of Changes in Fair Value of Level III Investments	The following table presents a summary of changes in the fair value of the Company’s Level III investments for the three months ended December 31, 2024 and 2023 (in thousands). Fair Value Measurement Using Three Months Ended December 31, 2024 December 31, 2023 Beginning balance $ 4,556 $ 2,836 Purchases, sales, issuances, settlements, net - - Total unrealized (loss) gain: Included in earnings - - Included in other comprehensive (loss) income 344 139 Transfers in and/or out of Level III - - $ 4,900 $ 2,975
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 December 31, 2024 and September 30, 2024 by level within the fair value hierarchy: Non-Recurring Fair Value Measurements at Reporting Date (in thousands) December 31, 2024 Level I Level II Level III Total Foreclosed real estate $ - $ - $ 3,195 $ 3,195 Individually evaluated loans held for investment - - 8,622 8,622 September 30, 2024 Level I Level II Level III Total Foreclosed real estate $ - $ - $ 3,195 $ 3,195 Individually evaluated loans held for investment - - 7,615 7,615
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 3 Fair Value Measurements (dollars in thousands) Fair Value Valuation Unobservable Range (Average) December 31, 2024 Individually evaluated loans held for investment $ 8,622 Appraisal of (1) Appraisal (2) 0 % to 35 % 20.7 %) Foreclosed real estate owned 3,195 Appraisal of (1) Appraisal (2) 10 % 10.0 %) Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) 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 % 20.8 %) Foreclosed real estate owned 3,195 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 Carrying Value and Fair Value for Certain Financial Instruments not Required to be Measured and Reported at Fair Value	The following tables provide the carrying value and fair value for certain financial instruments that are not required to be measured or reported at fair value on the Consolidated Balance Sheet at December 31, 2024 and September 30, 2024 by level within the fair value hierarchy: December 31, 2024 (in thousands) Carrying Value Level I Level II Level III Total Fair Financial assets: Investment securities held to maturity $ 46,164 $ - $ 38,723 $ - $ 38,723 Loans receivable, net 1,756,230 - - 1,621,494 1,621,494 Mortgage servicing rights 1,074 - - 1,600 1,600 Financial liabilities: Deposits $ 1,699,982 $ 1,050,428 $ - $ 648,293 $ 1,698,721 Short term borrowings 215,000 - - 215,056 215,056 Other borrowings 10,000 - - 10,016 10,016 September 30, 2024 (in thousands) Carrying Value Level I Level II Level III Total Fair Financial assets: Investment securities held to maturity $ 47,378 $ - $ 41,519 $ - $ 41,519 Loans receivable, net 1,744,284 - - 1,635,032 1,635,032 Mortgage servicing rights 1,051 - - 1,450 1,450 Financial liabilities: Deposits $ 1,629,051 $ 1,046,990 $ - $ 581,842 $ 1,628,832 Short-term borrowings 280,000 - - 280,000 280,000 Other borrowings 10,000 - - 10,042 10,042

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Summary of Activity in Accumulated Other Comprehensive Income (Loss)	The activity in accumulated other comprehensive income (loss) for the three months ended December 31, 2024 and 2023 is as follows (in thousands): Accumulated Other Defined Unrealized Gains Derivatives Total Balance at September 30, 2024 $ 1,891 $ ( 7,685 ) $ ( 771 ) $ ( 6,565 ) Other comprehensive (loss) income before - ( 2,585 ) 4,455 1,870 Amounts reclassified from accumulated - - ( 1,097 ) ( 1,097 ) Period change - ( 2,585 ) 3,358 773 Balance at December 31, 2024 $ 1,891 $ ( 10,270 ) $ 2,587 $ ( 5,792 ) Balance at September 30, 2023 $ 66 $ ( 17,525 ) $ 7,966 $ ( 9,493 ) Other comprehensive (loss) income before - 6,229 ( 2,166 ) 4,063 Amounts reclassified from accumulated - - ( 1,856 ) ( 1,856 ) Period change - 6,229 ( 4,022 ) 2,207 Balance at December 31, 2023 $ 66 $ ( 11,296 ) $ 3,944 $ ( 7,286 )
Summary of Reclassification Out of Accumulated Other Comprehensive Income (Loss)	The following table presents significant amounts reclassified out of each component of accumulated other comprehensive income (loss) for the three months ended December 31, 2024 and 2023 (in thousands): Amount Reclassified from Details About Accumulated Other Comprehensive Income (Loss) Components Accumulated Other Comprehensive Income (Loss) for the Three Months Ended December 31, Affected Line Item in the 2024 2023 Derivatives and hedging activities: Interest expense, effective portion 1,389 2,350 Interest expense Related income tax expense ( 292 ) ( 494 ) Income taxes Net effect on accumulated other comprehensive income 1,097 1,856 Total reclassification for the period $ 1,097 $ 1,856

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	3 Months Ended
	Dec. 31, 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 of December 31, 2024 and September 30, 2024 (in thousands). Fair Values of Derivative Instruments Asset Derivatives As of December 31, 2024 As of September 30, 2024 Hedged Item Notional Fair Notional Fair FHLB Advances $ 220,000 $ 3,799 $ 125,000 $ 2,375 Commercial Loans 105,632 6,613 97,089 5,828 Total $ 325,632 $ 10,412 $ 222,089 $ 8,203 Fair Values of Derivative Instruments Liability Derivatives As of December 31, 2024 As of September 30, 2024 Hedged Item Notional Fair Notional Fair FHLB Advances $ 160,000 $ 522 $ 255,000 $ 3,348 Commercial Loans 121,292 6,616 127,497 5,835 Total $ 281,292 $ 7,138 $ 382,497 $ 9,183
Schedule of Effect of Fair Value and Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income (Loss)	The table below presents the effect of the Company’s cash flow hedge accounting on Accumulated Other Comprehensive Income (Loss) for the three months ended December 31, 2024 and 2023 (in thousands). The Effect of Fair Value and Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income (Loss) Derivatives in Hedging Relationships (Gain) Loss Recognized in Location of Gain Gain (Loss) Reclassified Derivatives in Cash Flow Hedging Relationships 2024 2023 2024 2023 Interest Rate Products $ 4,253 $ ( 5,095 ) Interest expense $ 1,389 $ 2,350 Total $ 4,253 $ ( 5,095 ) $ 1,389 $ 2,350

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	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Earnings Per Share [Abstract]
Weighted-average common shares outstanding	18,133,095	18,133,095
Average treasury stock shares	(7,979,148)	(7,862,516)
Average unearned ESOP shares	(555,419)	(603,596)
Average unearned non-vested shares	(34,540)	(31,568)
Weighted average common shares and common stock equivalents used to calculate basic earnings per share	9,563,988	9,635,415
Additional common stock equivalents (nonvested stock) used to calculate diluted earnings per share	27,074	1,766
Weighted average common shares and common stock equivalents used to calculate diluted earnings per share	9,591,062	9,637,181

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - Employee Stock Option - $ / shares	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities	28,217	0
Average weighted price per share of anti-dilutive shares	$ 18.82

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	Dec. 31, 2024	Sep. 30, 2024
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	$ 0	$ 0
Available for sale, Fair Value	211,757	215,869
Held to maturity, Amortized Cost	0	0
Fannie Mae [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	53,254	55,287
Available for sale, Gross Unrealized Gains	153	342
Available for sale, Gross Unrealized Losses	(4,094)	(2,604)
Available for sale, Fair Value	49,313	53,025
Held to maturity, Amortized Cost	24,074	24,774
Held to maturity, Gross Unrealized Losses	(3,756)	(3,030)
Held to maturity, Fair Value	20,318	21,744
Freddie Mac [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	54,052	54,075
Available for sale, Gross Unrealized Gains	26	157
Available for sale, Gross Unrealized Losses	(3,577)	(1,770)
Available for sale, Fair Value	50,501	52,462
Held to maturity, Amortized Cost	19,637	20,153
Held to maturity, Gross Unrealized Losses	(3,290)	(2,524)
Held to maturity, Fair Value	16,347	17,629
Governmental National Mortgage Association [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	17,794	16,860
Available for sale, Gross Unrealized Gains	88	214
Available for sale, Gross Unrealized Losses	(509)	(336)
Available for sale, Fair Value	17,373	16,738
Mortgage-Backed Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	125,100	126,222
Available for sale, Gross Unrealized Gains	267	713
Available for sale, Gross Unrealized Losses	(8,180)	(4,710)
Available for sale, Fair Value	117,187	122,225
Held to maturity, Amortized Cost	43,711	44,927
Held to maturity, Gross Unrealized Losses	(7,046)	(5,554)
Held to maturity, Fair Value	36,665	39,373
Obligations of States and Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	9,024	9,025
Available for sale, Gross Unrealized Losses	(339)	(234)
Available for sale, Fair Value	8,685	8,791
U.S. Government Agency Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	7,316	6,280
Available for sale, Gross Unrealized Gains	3	5
Available for sale, Gross Unrealized Losses	(16)	(19)
Available for sale, Fair Value	7,303	6,266
Held to maturity, Amortized Cost	2,453	2,451
Held to maturity, Gross Unrealized Losses	(395)	(305)
Held to maturity, Fair Value	2,058	2,146
Corporate Obligations [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	75,877	76,262
Available for sale, Gross Unrealized Gains	149	51
Available for sale, Gross Unrealized Losses	(4,380)	(5,196)
Available for sale, Fair Value	71,646	71,117
Other Debt Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	7,443	7,810
Available for sale, Gross Unrealized Gains	16	88
Available for sale, Gross Unrealized Losses	(523)	(428)
Available for sale, Fair Value	6,936	7,470
Total Debt Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale, Amortized Cost	224,760	225,599
Available for sale, Gross Unrealized Gains	435	857
Available for sale, Gross Unrealized Losses	(13,438)	(10,587)
Available for sale, Fair Value	211,757	215,869
Held to maturity, Amortized Cost	46,164	47,378
Held to maturity, Gross Unrealized Losses	(7,441)	(5,859)
Held to maturity, Fair Value	$ 38,723	$ 41,519

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Due in one year or less, Amortized Cost	$ 8,955
Due after one year through five years, Amortized Cost	33,956
Due after five years through ten years, Amortized Cost	69,585
Due after ten years, Amortized Cost	112,264
Available for sale, Amortized Cost	224,760
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Due in one year or less, Fair Value	8,908
Due after one year through five years, Fair Value	32,823
Due after five years through ten years, Fair Value	64,891
Due after ten years, Fair Value	105,135
Total, Fair Value	211,757	$ 215,869
Held to maturity Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Due after five years through ten years, Amortized Cost	5,971
Due after ten years, Amortized Cost	40,193
Total, Amortized Cost	46,164
Held to maturity Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Due after five years through ten years, Fair Value	5,255
Due after ten years, Fair Value	33,468
Total, Fair Value	$ 38,723

Investment Securities - Additio

Investment Securities - Additional Information (Detail) - USD ($)	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Sep. 30, 2024
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Realized gross gains	$ 0	$ 0
Realized gross losses	0	$ 0
Fair value of available-for-sale securities in an unrealized loss position	185,600,000		$ 166,400,000
Unrealized losses of available-for-sale securities	13,400,000		10,600,000
Accrued interest receivable on available-for-sale debt securities	$ 1,200,000		$ 1,500,000
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets		Other Assets
Fair value of held-to-maturity securities in unrealized loss position	$ 38,700,000		$ 41,500,000
Unrealized losses of held-to-maturity securities	7,400,000		5,900,000
Accrued interest receivable on held-to-maturity debt securities	$ 61,000		$ 63,000
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets		Other Assets

Investment Securities - Sched_2

Investment Securities - Schedule of Gross Unrealized Losses and Fair Value (Detail) $ in Thousands	Dec. 31, 2024 USD ($) Security	Sep. 30, 2024 USD ($) Security
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	273	253
Fair Value, Less than Twelve Months, Debt	$ 32,261	$ 9,625
Gross Unrealized Losses, Less than Twelve Months, Debt	(708)	(199)
Fair Value, Twelve Months or Greater, Debt	192,113	198,252
Gross Unrealized Losses, Twelve Months or Greater, Debt	(20,171)	(16,247)
Fair Value Total, Debt	224,374	207,877
Gross Unrealized Losses Total, Debt	$ (20,879)	$ (16,446)
Fannie Mae [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	75	73
Fair Value, Less than Twelve Months, Debt	$ 2,974	$ 1,968
Gross Unrealized Losses, Less than Twelve Months, Debt	(66)	(5)
Fair Value, Twelve Months or Greater, Debt	59,130	63,409
Gross Unrealized Losses, Twelve Months or Greater, Debt	(7,784)	(5,629)
Fair Value Total, Debt	62,104	65,377
Gross Unrealized Losses Total, Debt	$ (7,850)	$ (5,634)
Freddie Mac [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	70	61
Fair Value, Less than Twelve Months, Debt	$ 12,202	$ 2,717
Gross Unrealized Losses, Less than Twelve Months, Debt	(266)	(19)
Fair Value, Twelve Months or Greater, Debt	52,575	54,159
Gross Unrealized Losses, Twelve Months or Greater, Debt	(6,601)	(4,275)
Fair Value Total, Debt	64,777	56,876
Gross Unrealized Losses Total, Debt	$ (6,867)	$ (4,294)
Governmental National Mortgage Association Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	18	14
Fair Value, Less than Twelve Months, Debt	$ 6,169
Gross Unrealized Losses, Less than Twelve Months, Debt	(54)
Fair Value, Twelve Months or Greater, Debt	5,944	$ 6,164
Gross Unrealized Losses, Twelve Months or Greater, Debt	(455)	(336)
Fair Value Total, Debt	12,113	6,164
Gross Unrealized Losses Total, Debt	$ (509)	$ (336)
Obligations of States and Political Subdivisions [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	10	9
Fair Value, Less than Twelve Months, Debt	$ 992
Gross Unrealized Losses, Less than Twelve Months, Debt	(8)
Fair Value, Twelve Months or Greater, Debt	7,692	$ 7,791
Gross Unrealized Losses, Twelve Months or Greater, Debt	(331)	(234)
Fair Value Total, Debt	8,684	7,791
Gross Unrealized Losses Total, Debt	$ (339)	$ (234)
U.S. Government Agency Securities [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	3	2
Fair Value, Less than Twelve Months, Debt	$ 1,685
Gross Unrealized Losses, Less than Twelve Months, Debt	(4)
Fair Value, Twelve Months or Greater, Debt	4,546	$ 4,628
Gross Unrealized Losses, Twelve Months or Greater, Debt	(407)	(324)
Fair Value Total, Debt	6,231	4,628
Gross Unrealized Losses Total, Debt	$ (411)	$ (324)
Corporate Obligations [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of Securities, Debt | Security	80	77
Fair Value, Less than Twelve Months, Debt	$ 7,895	$ 4,585
Gross Unrealized Losses, Less than Twelve Months, Debt	(309)	(175)
Fair Value, Twelve Months or Greater, Debt	57,388	56,881
Gross Unrealized Losses, Twelve Months or Greater, Debt	(4,071)	(5,021)
Fair Value Total, Debt	65,283	61,466
Gross Unrealized Losses Total, Debt	$ (4,380)	$ (5,196)
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	$ 344	$ 355
Gross Unrealized Losses, Less than Twelve Months, Debt	(1)
Fair Value, Twelve Months or Greater, Debt	4,838	5,220
Gross Unrealized Losses, Twelve Months or Greater, Debt	(522)	(428)
Fair Value Total, Debt	5,182	5,575
Gross Unrealized Losses Total, Debt	$ (523)	$ (428)

Loans Receivable, Net and All_3

Loans Receivable, Net and Allowance for Credit Losses on Loans - Summary of Loans Receivable (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Real estate loans:
Total Loans	$ 1,771,312	$ 1,759,590
Less allowance for credit losses	15,082	15,306
Net loans	1,756,230	1,744,284
Commercial [Member]
Real estate loans:
Total Loans	45,504	36,799
Real Estate Loans [Member] | Residential [Member]
Real estate loans:
Total Loans	730,995	721,505
Real Estate Loans [Member] | Construction [Member]
Real estate loans:
Total Loans	16,245	14,851
Real Estate Loans [Member] | Commercial [Member]
Real estate loans:
Total Loans	875,614	884,621
Obligations of States and Political Subdivisions [Member]
Real estate loans:
Total Loans	48,491	48,570
Home Equity Loans and Lines of Credit [Member]
Real estate loans:
Total Loans	52,336	51,306
Auto Loans [Member]
Real estate loans:
Total Loans	61	65
Other [Member]
Real estate loans:
Total Loans	$ 2,066	$ 1,873

Loans Receivable, Net and All_4

Loans Receivable, Net and Allowance for Credit Losses on Loans - Additional Information (Detail) - USD ($)	3 Months Ended	12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days past due over which loans are considered as substandard	90 days
Borrower rating scale	1 to 14
Minimum internal review amount	$ 2,000,000
Minimum external review amount	1,000,000
Loans greater than 90 days past due and still accruing interest	0
Minimum external review criticized relationships amount	500,000
Charge off on loans with concentration risk	0
Credit Concentration Risk [Member] | Residential Lessors [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration of credit risk loan and leases	$ 333,000,000	$ 346,900,000
Concentration of credit risk percentage	18.80%	19.70%
Credit Concentration Risk [Member] | Commercial Lessors [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration of credit risk loan and leases	$ 297,900,000	$ 296,100,000
Concentration of credit risk percentage	16.80%	16.80%

Loans Receivable, Net and All_5

Loans Receivable, Net and Allowance for Credit Losses on Loans - Schedule of Loans Evaluated for Impairment (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 1,771,312	$ 1,759,590
Individually Evaluated for Impairment	8,622	7,615
Collectively Evaluated for Impairment	1,762,690	1,751,975
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	45,504	36,799
Individually Evaluated for Impairment	874	906
Collectively Evaluated for Impairment	44,630	35,893
Real Estate Loans [Member] | Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	730,995	721,505
Individually Evaluated for Impairment	1,878	1,122
Collectively Evaluated for Impairment	729,117	720,383
Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	16,245	14,851
Collectively Evaluated for Impairment	16,245	14,851
Real Estate Loans [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	875,614	884,621
Individually Evaluated for Impairment	5,838	5,552
Collectively Evaluated for Impairment	869,776	879,069
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	48,491	48,570
Collectively Evaluated for Impairment	48,491	48,570
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	52,336	51,306
Individually Evaluated for Impairment	32	35
Collectively Evaluated for Impairment	52,304	51,271
Auto Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	61	65
Collectively Evaluated for Impairment	61	65
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,066	1,873
Collectively Evaluated for Impairment	$ 2,066	$ 1,873

Loans Receivable, Net and All_6

Loans Receivable, Net and Allowance for Credit Losses on Loans - Schedule of Investment and Unpaid Principal Balances for Impaired Loans (Detail) - USD ($)	Dec. 31, 2024	Sep. 30, 2024
Financing Receivable, Impaired [Line Items]
Associated Allowance	$ 1,000	$ 2,000

Loans Receivable, Net and All_7

Loans Receivable, Net and Allowance for Credit Losses on Loans - Schedule of Non-homogenous Pools by Internal Risk Rating Systems (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2024
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	$ 1,759,590	$ 1,771,312
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	51,306	52,336
Auto [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	65	61
Other [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	1,873	2,066
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, Year One	91,925	12,772
Term Loans Amortized on Cost Basis by Origination Year, Year Two	163,622	99,738
Term Loans Amortized on Cost Basis by Origination Year, Year Three	230,108	164,668
Term Loans Amortized on Cost Basis by Origination Year, Year Four	156,701	230,046
Term Loans Amortized on Cost Basis by Origination Year, Year Five	86,143	142,523
Term Loans Amortized on Cost Basis by Origination Year, Prior	212,842	290,350
Revolving Loans Amortized Cost Basis	28,649	29,512
Total Loans	969,990	969,609
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, Year One	61,838	22,867
Term Loans Amortized on Cost Basis by Origination Year, Year Two	115,475	67,991
Term Loans Amortized on Cost Basis by Origination Year, Year Three	158,776	113,805
Term Loans Amortized on Cost Basis by Origination Year, Year Four	134,967	155,652
Term Loans Amortized on Cost Basis by Origination Year, Year Five	102,510	132,800
Term Loans Amortized on Cost Basis by Origination Year, Prior	191,428	282,763
Revolving Loans Amortized Cost Basis	22,482	23,201
Revolving Loans Converted to Term	2,124	2,624
Total Loans	789,600	801,703
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, Year One	4,372	1,619
Term Loans Amortized on Cost Basis by Origination Year, Year Two	10,198	4,212
Term Loans Amortized on Cost Basis by Origination Year, Year Three	7,076	9,537
Term Loans Amortized on Cost Basis by Origination Year, Year Four	1,816	6,814
Term Loans Amortized on Cost Basis by Origination Year, Year Five	1,343	1,716
Term Loans Amortized on Cost Basis by Origination Year, Prior	2,923	4,009
Revolving Loans Amortized Cost Basis	21,454	21,805
Revolving Loans Converted to Term	2,124	2,624
Total Loans	51,306	52,336
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	61
Total Loans	65	61
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, Year One	369	100
Term Loans Amortized on Cost Basis by Origination Year, Year Two	239	134
Term Loans Amortized on Cost Basis by Origination Year, Year Three	88	205
Term Loans Amortized on Cost Basis by Origination Year, Year Four	4	62
Term Loans Amortized on Cost Basis by Origination Year, Year Five	10	2
Term Loans Amortized on Cost Basis by Origination Year, Prior	135	167
Revolving Loans Amortized Cost Basis	1,028	1,396
Total Loans	1,873	2,066
Financing Receivable, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Current period gross charge-offs, Year Three	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, Year One	61,838	22,867
Term Loans Amortized on Cost Basis by Origination Year, Year Two	115,475	67,991
Term Loans Amortized on Cost Basis by Origination Year, Year Three	158,493	113,805
Term Loans Amortized on Cost Basis by Origination Year, Year Four	134,967	155,446
Term Loans Amortized on Cost Basis by Origination Year, Year Five	102,414	132,800
Term Loans Amortized on Cost Basis by Origination Year, Prior	189,793	281,091
Revolving Loans Amortized Cost Basis	22,482	23,201
Revolving Loans Converted to Term	2,124	2,624
Total Loans	787,586	799,825
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, Year One	4,372	1,619
Term Loans Amortized on Cost Basis by Origination Year, Year Two	10,198	4,212
Term Loans Amortized on Cost Basis by Origination Year, Year Three	7,076	9,537
Term Loans Amortized on Cost Basis by Origination Year, Year Four	1,816	6,814
Term Loans Amortized on Cost Basis by Origination Year, Year Five	1,343	1,716
Term Loans Amortized on Cost Basis by Origination Year, Prior	2,888	3,977
Revolving Loans Amortized Cost Basis	21,454	21,805
Revolving Loans Converted to Term	2,124	2,624
Total Loans	51,271	52,304
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	61
Total Loans	64	61
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, Year One	369	100
Term Loans Amortized on Cost Basis by Origination Year, Year Two	239	134
Term Loans Amortized on Cost Basis by Origination Year, Year Three	88	205
Term Loans Amortized on Cost Basis by Origination Year, Year Four	4	62
Term Loans Amortized on Cost Basis by Origination Year, Year Five	10	2
Term Loans Amortized on Cost Basis by Origination Year, Prior	112	145
Revolving Loans Amortized Cost Basis	1,028	1,396
Total Loans	1,850	2,044
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, Year Three	283
Term Loans Amortized on Cost Basis by Origination Year, Year Four		206
Term Loans Amortized on Cost Basis by Origination Year, Year Five	96
Term Loans Amortized on Cost Basis by Origination Year, Prior	1,635	1,672
Revolving Loans Amortized Cost Basis		0
Total Loans	2,014	1,878
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	32
Total Loans	35	32
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	22
Total Loans	23	22
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, Year One	91,488	12,772
Term Loans Amortized on Cost Basis by Origination Year, Year Two	152,477	99,307
Term Loans Amortized on Cost Basis by Origination Year, Year Three	229,751	153,154
Term Loans Amortized on Cost Basis by Origination Year, Year Four	156,343	229,700
Term Loans Amortized on Cost Basis by Origination Year, Year Five	74,570	141,007
Term Loans Amortized on Cost Basis by Origination Year, Prior	203,624	272,256
Revolving Loans Amortized Cost Basis	27,572	29,512
Total Loans	935,825	937,708
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, Year One	437
Term Loans Amortized on Cost Basis by Origination Year, Year Two	10,675	431
Term Loans Amortized on Cost Basis by Origination Year, Year Three	357	11,054
Term Loans Amortized on Cost Basis by Origination Year, Year Four		346
Term Loans Amortized on Cost Basis by Origination Year, Year Five	11,283	962
Term Loans Amortized on Cost Basis by Origination Year, Prior	62	9,061
Revolving Loans Amortized Cost Basis	865
Total Loans	23,679	21,854
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, Year Two	470
Term Loans Amortized on Cost Basis by Origination Year, Year Three		460
Term Loans Amortized on Cost Basis by Origination Year, Year Four	358
Term Loans Amortized on Cost Basis by Origination Year, Year Five	290	554
Term Loans Amortized on Cost Basis by Origination Year, Prior	9,156	9,033
Revolving Loans Amortized Cost Basis	212
Total Loans	10,486	10,047
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, Year One	87,362	9,607
Term Loans Amortized on Cost Basis by Origination Year, Year Two	155,513	95,254
Term Loans Amortized on Cost Basis by Origination Year, Year Three	221,553	153,983
Term Loans Amortized on Cost Basis by Origination Year, Year Four	143,222	221,755
Term Loans Amortized on Cost Basis by Origination Year, Year Five	76,769	129,238
Term Loans Amortized on Cost Basis by Origination Year, Prior	184,118	254,155
Revolving Loans Amortized Cost Basis	16,084	11,622
Total Loans	884,621	875,614
Financing Receivable, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Current period gross charge-offs, Year Four	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, Year One	86,925	9,607
Term Loans Amortized on Cost Basis by Origination Year, Year Two	144,838	94,823
Term Loans Amortized on Cost Basis by Origination Year, Year Three	221,196	142,929
Term Loans Amortized on Cost Basis by Origination Year, Year Four	143,090	221,409
Term Loans Amortized on Cost Basis by Origination Year, Year Five	65,522	129,106
Term Loans Amortized on Cost Basis by Origination Year, Prior	175,306	236,738
Revolving Loans Amortized Cost Basis	16,084	11,622
Total Loans	852,961	846,234
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, Year One	437
Term Loans Amortized on Cost Basis by Origination Year, Year Two	10,675	431
Term Loans Amortized on Cost Basis by Origination Year, Year Three	357	11,054
Term Loans Amortized on Cost Basis by Origination Year, Year Four		346
Term Loans Amortized on Cost Basis by Origination Year, Year Five	11,247
Term Loans Amortized on Cost Basis by Origination Year, Prior	62	9,061
Total Loans	22,778	20,892
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, Year Four	132
Term Loans Amortized on Cost Basis by Origination Year, Year Five		132
Term Loans Amortized on Cost Basis by Origination Year, Prior	8,750	8,356
Total Loans	8,882	8,488
Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total Loans	36,799	45,504
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, Year One	2,274	3,165
Term Loans Amortized on Cost Basis by Origination Year, Year Two	6,617	2,106
Term Loans Amortized on Cost Basis by Origination Year, Year Three	3,926	7,437
Term Loans Amortized on Cost Basis by Origination Year, Year Four	1,875	3,835
Term Loans Amortized on Cost Basis by Origination Year, Year Five	1,566	1,746
Term Loans Amortized on Cost Basis by Origination Year, Prior	7,976	9,325
Revolving Loans Amortized Cost Basis	12,565	17,890
Total Loans	36,799	45,504
Financing Receivable, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Current period gross charge-offs, Year Four	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, Year One	2,274	3,165
Term Loans Amortized on Cost Basis by Origination Year, Year Two	6,147	2,106
Term Loans Amortized on Cost Basis by Origination Year, Year Three	3,926	6,977
Term Loans Amortized on Cost Basis by Origination Year, Year Four	1,649	3,835
Term Loans Amortized on Cost Basis by Origination Year, Year Five	1,240	362
Term Loans Amortized on Cost Basis by Origination Year, Prior	7,570	8,648
Revolving Loans Amortized Cost Basis	11,488	17,890
Total Loans	34,294	42,983
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, Year Five	36	962
Revolving Loans Amortized Cost Basis	865
Total Loans	901	962
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, Year Two	470
Term Loans Amortized on Cost Basis by Origination Year, Year Three		460
Term Loans Amortized on Cost Basis by Origination Year, Year Four	226
Term Loans Amortized on Cost Basis by Origination Year, Year Five	290	422
Term Loans Amortized on Cost Basis by Origination Year, Prior	406	677
Revolving Loans Amortized Cost Basis	212
Total Loans	1,604	1,559
Obligations of States and Political Subdivisions [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, Year One	2,289
Term Loans Amortized on Cost Basis by Origination Year, Year Two	1,492	2,378
Term Loans Amortized on Cost Basis by Origination Year, Year Three	4,629	3,248
Term Loans Amortized on Cost Basis by Origination Year, Year Four	11,604	4,456
Term Loans Amortized on Cost Basis by Origination Year, Year Five	7,808	11,539
Term Loans Amortized on Cost Basis by Origination Year, Prior	20,748	26,870
Total Loans	48,570	48,491
Obligations of States and Political Subdivisions [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, Year One	2,289
Term Loans Amortized on Cost Basis by Origination Year, Year Two	1,492	2,378
Term Loans Amortized on Cost Basis by Origination Year, Year Three	4,629	3,248
Term Loans Amortized on Cost Basis by Origination Year, Year Four	11,604	4,456
Term Loans Amortized on Cost Basis by Origination Year, Year Five	7,808	11,539
Term Loans Amortized on Cost Basis by Origination Year, Prior	20,748	26,870
Total Loans	48,570	48,491
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, Year One	45,845	19,973
Term Loans Amortized on Cost Basis by Origination Year, Year Two	101,439	51,906
Term Loans Amortized on Cost Basis by Origination Year, Year Three	151,612	100,732
Term Loans Amortized on Cost Basis by Origination Year, Year Four	133,147	148,776
Term Loans Amortized on Cost Basis by Origination Year, Year Five	101,157	131,082
Term Loans Amortized on Cost Basis by Origination Year, Prior	188,305	278,526
Total Loans	721,505	730,995
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, Year One	45,845	19,973
Term Loans Amortized on Cost Basis by Origination Year, Year Two	101,439	51,906
Term Loans Amortized on Cost Basis by Origination Year, Year Three	151,329	100,732
Term Loans Amortized on Cost Basis by Origination Year, Year Four	133,147	148,570
Term Loans Amortized on Cost Basis by Origination Year, Year Five	101,061	131,082
Term Loans Amortized on Cost Basis by Origination Year, Prior	186,729	276,908
Total Loans	719,550	729,171
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, Year Three	283
Term Loans Amortized on Cost Basis by Origination Year, Year Four		206
Term Loans Amortized on Cost Basis by Origination Year, Year Five	96
Term Loans Amortized on Cost Basis by Origination Year, Prior	1,576	1,618
Total Loans	1,955	1,824
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, Year One	11,252	1,175
Term Loans Amortized on Cost Basis by Origination Year, Year Two	3,599	11,739
Term Loans Amortized on Cost Basis by Origination Year, Year Three		3,331
Total Loans	14,851	16,245
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, Year One	11,252	1,175
Term Loans Amortized on Cost Basis by Origination Year, Year Two	3,599	11,739
Term Loans Amortized on Cost Basis by Origination Year, Year Three		3,331
Total Loans	$ 14,851	$ 16,245

Loans Receivable, Net and All_8

Loans Receivable, Net and Allowance for Credit Losses on Loans - Classes of Loan Portfolio Summarized by Aging Categories (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	$ 1,754,448	$ 1,751,892
31-60 Days Past Due, Accruing Loans	15,285	2,437
61-89 Days Past Due, Accruing Loans	995	3,455
90+ Days Past Due	584	1,806
Total Past Due, Accruing Loans	16,864	7,698
Total Accruing Loans	1,771,312	1,759,590
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	48,491	48,570
Total Accruing Loans	48,491	48,570
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	52,268	51,264
31-60 Days Past Due, Accruing Loans	68	20
61-89 Days Past Due, Accruing Loans		22
Total Past Due, Accruing Loans	68	42
Total Accruing Loans	52,336	51,306
Auto Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	61	63
31-60 Days Past Due, Accruing Loans		1
90+ Days Past Due		1
Total Past Due, Accruing Loans		2
Total Accruing Loans	61	65
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	2,044	1,850
90+ Days Past Due	22	23
Total Past Due, Accruing Loans	22	23
Total Accruing Loans	2,066	1,873
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	727,508	717,766
31-60 Days Past Due, Accruing Loans	2,261	1,862
61-89 Days Past Due, Accruing Loans	995	760
90+ Days Past Due	231	1,117
Total Past Due, Accruing Loans	3,487	3,739
Total Accruing Loans	730,995	721,505
Construction [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	16,245	14,851
Total Accruing Loans	16,245	14,851
Commercial [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	862,525	880,939
31-60 Days Past Due, Accruing Loans	12,956	554
61-89 Days Past Due, Accruing Loans		2,673
90+ Days Past Due	133	455
Total Past Due, Accruing Loans	13,089	3,682
Total Accruing Loans	875,614	884,621
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	45,306	36,589
90+ Days Past Due	198	210
Total Past Due, Accruing Loans	198	210
Total Accruing Loans	$ 45,504	$ 36,799

Loans Receivable, Net and All_9

Loans Receivable, Net and Allowance for Credit Losses on Loans - Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due Over 90 Days and Still Accruing (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	$ 8,594	$ 9,026
Total Nonaccrual	8,594	9,026
Total Nonperforming	8,594	9,026
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	32	35
Total Nonaccrual	32	35
Total Nonperforming	32	35
Auto [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	0	1
Total Nonaccrual	0	1
Total Nonperforming		1
Other [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	22	23
Total Nonaccrual	22	23
Total Nonperforming	22	23
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	1,824	1,955
Total Nonaccrual	1,824	1,955
Total Nonperforming	1,824	1,955
Commercial [Member] | Real Estate Loans [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	5,841	5,876
Total Nonaccrual	5,841	5,876
Total Nonperforming	5,841	5,876
Commercial Portfolio Segment [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual with No ACL	875	1,136
Total Nonaccrual	875	1,136
Total Nonperforming	$ 875	$ 1,136

Loans Receivable, Net and Al_10

Loans Receivable, Net and Allowance for Credit Losses on Loans - Summary of Changes in Primary Segments of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Sep. 30, 2024
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	$ 15,306
Balance, End of period	15,082		$ 15,306
Allowance for credit losses	15,082		15,306
Primary Segments of Allowance for Credit Losses [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	15,306	$ 18,525	18,525
Charge-offs		(10)
Recoveries	37	10
Provision	(261)	(340)
Balance, End of period	15,082	15,430	15,306
Individually evaluated for Credit Loss	1		2
Collectively evaluated for Credit Loss	15,081		15,304
Allowance for credit losses	15,082	15,430	15,306
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)	(2,755)
Allowance for credit losses
Primary Segments of Allowance for Credit Losses [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	760	941	941
Provision	(24)	41
Balance, End of period	736	690	760
Individually evaluated for Credit Loss	0
Collectively evaluated for Credit Loss	736		760
Allowance for credit losses	736	690	760
Primary Segments of Allowance for Credit Losses [Member] | Commercial Portfolio Segment [Member] | Impact of adopting ASC 326 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period		(292)	(292)
Allowance for credit losses
Primary Segments of Allowance for Credit Losses [Member] | Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period		41	41
Allowance for credit losses
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)	(41)
Allowance for credit losses
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	5,379	4,897	4,897
Recoveries	13
Provision	51	(511)
Balance, End of period	5,443	4,889	5,379
Individually evaluated for Credit Loss	1		2
Collectively evaluated for Credit Loss	5,442		5,377
Allowance for credit losses	5,443	4,889	5,379
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	503
Allowance for credit losses
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	268	183	183
Provision	21	(6)
Balance, End of period	289	431	268
Collectively evaluated for Credit Loss	289		268
Allowance for credit losses	289	431	268
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	254
Allowance for credit losses
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	7,815	11,983	11,983
Recoveries	17
Provision	(331)	123
Balance, End of period	7,501	8,377	7,815
Individually evaluated for Credit Loss			0
Collectively evaluated for Credit Loss	7,501		7,815
Allowance for credit losses	7,501	8,377	7,815
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)	(3,729)
Allowance for credit losses
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	281	110	110
Provision	5	37
Balance, End of period	286	276	281
Collectively evaluated for Credit Loss	286		281
Allowance for credit losses	286	276	281
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	129
Allowance for credit losses
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	773	346	346
Recoveries	1	3
Provision	20	(26)
Balance, End of period	794	746	773
Collectively evaluated for Credit Loss	794		773
Allowance for credit losses	794	746	773
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	423
Allowance for credit losses
Primary Segments of Allowance for Credit Losses [Member] | Auto Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	2	2	2
Recoveries	6	7
Provision	(6)	(8)
Balance, End of period	2	3	2
Collectively evaluated for Credit Loss	2		2
Allowance for credit losses	2	3	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	2
Allowance for credit losses
Primary Segments of Allowance for Credit Losses [Member] | Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	28	22	22
Charge-offs		(10)
Provision	3	10
Balance, End of period	31	18	28
Collectively evaluated for Credit Loss	31		28
Allowance for credit losses	$ 31	18	28
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)	$ (4)
Allowance for credit losses

Loans Receivable, Net and Al_11

Loans Receivable, Net and Allowance for Credit Losses on Loans - Schedule of Financing Receivable Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	$ 1,756,230	$ 1,744,284
Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	7,748	6,709
Business Assets [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	874	906
Home Equity Loans and Lines of Credit [Member] | Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	32	35
Residential [Member] | Real Estate Loans [Member] | Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	1,878	1,122
Commercial [Member] | Real Estate Loans [Member] | Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	5,838	5,552
Commercial [Member] | Business Assets [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan, total	$ 874	$ 906

Deposits - Schedule of Deposits

Deposits - Schedule of Deposits by Major Classifications (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Deposits Liabilities Disclosures [Abstract]
Non-interest bearing demand accounts	$ 255,460	$ 256,638
Interest bearing demand accounts	277,865	312,683
Money market accounts	375,098	334,638
Savings and club accounts	142,005	143,031
Certificates of deposit	649,554	582,061
Total	$ 1,699,982	$ 1,629,051

Net Periodic Benefit Cost-Def_3

Net Periodic Benefit Cost-Defined Benefit Plan - Summary of the Components of Net Periodic Benefit Cost (Income) (Detail) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Compensation Related Costs [Abstract]
Interest Cost	$ 149	$ 171
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Income (Expense), Operating	Interest Income (Expense), Operating
Expected return on plan assets	$ (305)	$ (261)
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Income (Expense), Operating	Interest Income (Expense), Operating
Amortization of net loss from earlier periods	$ (8)
Net periodic benefit income	$ (164)	$ (90)

Equity Incentive Plan - Additio

Equity Incentive Plan - Additional Information (Detail) - USD ($)		3 Months Ended
	Mar. 02, 2016	Dec. 31, 2024	Dec. 31, 2023
Compensation Related Costs Disclosure [Line Items]
Share-based compensation expense		$ 294,000	$ 293,000
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 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		$ 294,000	$ 293,000
Expected future expense		$ 827,000
Remaining vesting periods		3 years 9 months
Restricted Stock [Member] | Minimum [Member]
Compensation Related Costs Disclosure [Line Items]
Restricted shares vesting period		3 months
Restricted Stock [Member] | Maximum [Member]
Compensation Related Costs Disclosure [Line Items]
Restricted shares vesting period		39 months

Equity Incentive Plan - Schedul

Equity Incentive Plan - Schedule of Restricted Stock Option Activity (Detail) - Restricted Stock [Member]	3 Months Ended
	Dec. 31, 2024 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Restricted Stock, Nonvested at September 30, 2024 | shares	34,830
Number of Restricted Stock, Granted | shares	31,106
Number of Restricted Stock, Vested | shares	(500)
Number of Restricted Stock, Nonvested at December 31, 2024 | shares	65,436
Weighted-average Grant Date Fair Value, Nonvested at September 30, 2024 | $ / shares	$ 16.53
Weighted-average Grant Date Fair Value, Granted | $ / shares	18.97
Weighted-average Grant Date Fair Value, Vested | $ / shares	18.76
Weighted-average Grant Date Fair Value, Nonvested at December 31, 2024 | $ / shares	$ 17.56

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	Dec. 31, 2024	Sep. 30, 2024
Assets
Total debt securities	$ 211,757	$ 215,869
Fair Value, Measurements, Recurring [Member]
Assets
Total debt securities	211,757	215,869
Equity securities- financial services	27	26
Derivatives and hedging activities	10,412	8,203
Liabilities
Derivatives and hedging activities	7,138	9,183
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
Assets
Total debt securities	117,187	122,225
Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets
Total debt securities	8,685	8,791
Fair Value, Measurements, Recurring [Member] | U.S. Government Agency Securities [Member]
Assets
Total debt securities	7,303	6,266
Fair Value, Measurements, Recurring [Member] | Corporate Obligations [Member]
Assets
Total debt securities	71,646	71,117
Fair Value, Measurements, Recurring [Member] | Other Debt Securities [Member]
Assets
Total debt securities	6,936	7,470
Fair Value, Measurements, Recurring [Member] | Level I [Member]
Assets
Equity securities- financial services	27	26
Fair Value, Measurements, Recurring [Member] | Level II [Member]
Assets
Total debt securities	206,857	211,313
Derivatives and hedging activities	10,412	8,203
Liabilities
Derivatives and hedging activities	7,138	9,183
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Mortgage-Backed Securities [Member]
Assets
Total debt securities	117,187	122,225
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Obligations of States and Political Subdivisions [Member]
Assets
Total debt securities	8,685	8,791
Fair Value, Measurements, Recurring [Member] | Level II [Member] | U.S. Government Agency Securities [Member]
Assets
Total debt securities	7,303	6,266
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Corporate Obligations [Member]
Assets
Total debt securities	66,746	66,561
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Other Debt Securities [Member]
Assets
Total debt securities	6,936	7,470
Fair Value, Measurements, Recurring [Member] | Level III [Member]
Assets
Total debt securities	4,900	4,556
Fair Value, Measurements, Recurring [Member] | Level III [Member] | Corporate Obligations [Member]
Assets
Total debt securities	$ 4,900	$ 4,556

Fair Value - Schedule of Change

Fair Value - Schedule of Changes in Fair Value of Level III Investments (Detail) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Beginning balance	$ 4,556	$ 2,836
Total unrealized (loss) gain:
Included in other comprehensive (loss) income	$ 344	$ 139
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
Ending balance	$ 4,900	$ 2,975

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	Dec. 31, 2024	Sep. 30, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed real estate	$ 3,195	$ 3,195
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed real estate	3,195	3,195
Individually evaluated loans held for investment	8,622	7,615
Level III [Member] | Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed real estate	3,195	3,195
Individually evaluated loans held for investment	$ 8,622	$ 7,615

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	Dec. 31, 2024 USD ($)	Sep. 30, 2024 USD ($)
Individually Evaluated Loans Held For Investment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate	$ 8,622	$ 7,615
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	0.207	0.208
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	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	0.35
Foreclosed Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate	$ 3,195	$ 3,195
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	0.102
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

Fair Value - Additional Informa

Fair Value - Additional Information (Detail)	Dec. 31, 2024 USD ($) Loan	Sep. 30, 2024 USD ($) Loan
Fair Value Disclosures [Abstract]
Number of impaired loans | Loan	36	36
Impaired loans, carrying value	$ 8,600,000	$ 7,600,000
Impaired loans, valuation allowance	1,000	2,000
Impaired loans, net fair value	$ 8,600,000	$ 7,600,000

Fair Value - Schedule of Carryi

Fair Value - Schedule of Carrying Value and Fair Value for Certain Financial Instruments not Required to be Measured and Reported at Fair Value (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024
Financial assets:
Loans receivable, net	$ 8,600	$ 7,600
Financial liabilities:
Other borrowings	10,000	10,000
Carrying Value [Member]
Financial assets:
Investment securities held to maturity	46,164	47,378
Loans receivable, net	1,756,230	1,744,284
Mortgage servicing rights	1,074	1,051
Financial liabilities:
Deposits	1,699,982	1,629,051
Short-term borrowings	215,000	280,000
Other borrowings	10,000	10,000
Estimated Fair Value [Member]
Financial assets:
Investment securities held to maturity	38,723	41,519
Loans receivable, net	1,621,494	1,635,032
Mortgage servicing rights	1,600	1,450
Financial liabilities:
Deposits	1,698,721	1,628,832
Short-term borrowings	215,056	280,000
Other borrowings	10,016	10,042
Estimated Fair Value [Member] | Level 1 [Member]
Financial liabilities:
Deposits	1,050,428	1,046,990
Estimated Fair Value [Member] | Level II [Member]
Financial assets:
Investment securities held to maturity	38,723	41,519
Estimated Fair Value [Member] | Level 3 [Member]
Financial assets:
Loans receivable, net	1,621,494	1,635,032
Mortgage servicing rights	1,600	1,450
Financial liabilities:
Deposits	648,293	581,842
Short-term borrowings	215,056	280,000
Other borrowings	$ 10,016	$ 10,042

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Summary of Activity in Accumulated Other Comprehensive Income (Loss) (Detail) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	$ 230,421	$ 219,708
Ending Balance	234,183	220,724
Defined Benefit Pension Plan [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	1,891	66
Ending Balance	1,891	66
Unrealized Gains (Losses) on Securities Available for Sale [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	(7,685)	(17,525)
Other comprehensive (loss) income before reclassifications	(2,585)	6,229
Total other comprehensive income (loss)	(2,585)	6,229
Ending Balance	(10,270)	(11,296)
Derivatives [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	(771)	7,966
Other comprehensive (loss) income before reclassifications	4,455	(2,166)
Amounts reclassified from accumulated other comprehensive income (loss)	(1,097)	(1,856)
Total other comprehensive income (loss)	3,358	(4,022)
Ending Balance	2,587	3,944
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	(6,565)	(9,493)
Other comprehensive (loss) income before reclassifications	1,870	4,063
Amounts reclassified from accumulated other comprehensive income (loss)	(1,097)	(1,856)
Total other comprehensive income (loss)	773	2,207
Ending Balance	$ (5,792)	$ (7,286)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Summary of Reclassification Out of Accumulated Other Comprehensive Income (Loss) (Detail) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Schedule Of Available For Sale Securities [Line Items]
Income taxes	$ (919)	$ (1,028)
Net income	3,956	4,337
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Schedule Of Available For Sale Securities [Line Items]
Net income	1,097	1,856
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member] | Derivatives [Member]
Schedule Of Available For Sale Securities [Line Items]
Interest expense	1,389	2,350
Income taxes	(292)	(494)
Net income	$ 1,097	$ 1,856

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 ($)	Dec. 31, 2024	Sep. 30, 2024
Derivative and Hedging Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	$ 325,632,000	$ 222,089,000
Fair Values of Derivative Instruments, Asset	10,412,000	8,203,000
Derivative and Hedging Liabilities {Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	281,292,000	382,497,000
Fair Values of Derivative Instruments, Liability	7,138,000	9,183,000
FHLB Advances [Member] | Derivative and Hedging Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	220,000,000	125,000,000
Fair Values of Derivative Instruments, Asset	3,799,000	2,375,000
FHLB Advances [Member] | Derivative and Hedging Liabilities {Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	160,000,000	255,000,000
Fair Values of Derivative Instruments, Liability	522,000	3,348,000
Commercial Loans [Member] | Derivative and Hedging Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	105,632,000	97,089,000
Fair Values of Derivative Instruments, Asset	6,613,000	5,828,000
Commercial Loans [Member] | Derivative and Hedging Liabilities {Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	121,292,000	127,497,000
Fair Values of Derivative Instruments, Liability	$ 6,616,000	$ 5,835,000

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities - Additional Information (Detail)	3 Months Ended
	Dec. 31, 2024 USD ($) Contract	Dec. 31, 2023 USD ($)
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Interest income (expense)	$ 14,144,000	$ 14,864,000
Derivative liability, collateral against obligations	0	0
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)	1,400,000	$ 2,400,000
Increase (decrease) in accrued interest payable	2,200,000
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Interest Rate Swaps [Member] | Commercial Loans [Member] | Variable Rate [Member]
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Derivative, notional principal amount	$ 226,900,000
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Interest Rate Swaps [Member] | FHLB Advances [Member] | Variable Rate [Member]
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Derivative, number of instruments | Contract	18
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 (Loss) (Detail) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments Gain Loss [Line Items]
(Gain) Loss Recognized in OCI on Derivative	$ 5,642	$ (2,745)
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member]
Derivative Instruments Gain Loss [Line Items]
(Gain) Loss Recognized in OCI on Derivative	4,253	(5,095)
Gain (Loss) Reclassified from Accumulated OCI into Income	$ 1,389	$ 2,350
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]
(Gain) Loss Recognized in OCI on Derivative	$ 4,253	$ (5,095)
Gain (Loss) Reclassified from Accumulated OCI into Income	$ 1,389	$ 2,350

Contingent Liabilities - Additi

Contingent Liabilities - Additional Information (Detail) - Plaintiff	May 29, 2020	Dec. 09, 2019	Dec. 08, 2016
Commitments and Contingencies Disclosure [Abstract]
Number of plaintiffs	3		1
Additional number of plaintiffs		2