ESSA Bancorp (ESSA) 10-Q 16 May 22 2022 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Mar. 31, 2022	May 11, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2022
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
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		10,489,391
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	Mar. 31, 2022	Sep. 30, 2021
ASSETS
Cash and due from banks	$ 181,991	$ 146,841
Interest-bearing deposits with other institutions	8,206	12,105
Total cash and cash equivalents	190,197	158,946
Investment securities available for sale, at fair value	163,367	240,581
Investment securities held to maturity, at amortized cost	60,374	21,483
Loans held for sale		381
Loans receivable (net of allowance for loan losses of $18,208 and $18,113)	1,340,317	1,340,853
Regulatory stock, at cost	4,995	4,651
Premises and equipment, net	13,419	13,605
Bank-owned life insurance	37,861	37,481
Foreclosed real estate	85	461
Intangible assets, net	388	520
Goodwill	13,801	13,801
Deferred income taxes	3,288	4,613
Other assets	37,475	24,060
TOTAL ASSETS	1,865,567	1,861,436
LIABILITIES
Deposits	1,620,906	1,636,115
Advances by borrowers for taxes and insurance	12,516	4,949
Other liabilities	19,432	18,550
TOTAL LIABILITIES	1,652,854	1,659,614
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; 10,489,391 and 10,461,443 outstanding at March 31, 2022 and September 30, 2021, respectively)	181	181
Additional paid in capital	181,816	181,659
Unallocated common stock held by the Employee Stock Ownership Plan (ESOP)	(6,689)	(6,915)
Retained earnings	131,201	124,342
Treasury stock, at cost; 7,643,704 and 7,671,652 shares outstanding at March 31, 2022 and September 30, 2021, respectively	(97,767)	(98,127)
Accumulated other comprehensive income (loss)	3,971	682
TOTAL STOCKHOLDERS’ EQUITY	212,713	201,822
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,865,567	$ 1,861,436

Consolidated Balance Sheet (U_2

Consolidated Balance Sheet (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Statement Of Financial Position [Abstract]
Allowance for loan losses	$ 18,208	$ 18,113
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	10,489,391	10,461,443
Treasury stock, shares outstanding	7,643,704	7,671,652

Consolidated Statement of Opera

Consolidated Statement of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
INTEREST INCOME
Loans receivable, including fees	$ 13,590	$ 13,670	$ 26,849	$ 27,430
Investment securities:
Taxable	1,169	882	2,180	1,879
Exempt from federal income tax	19	41	38	81
Other investment income	130	70	249	185
Total interest income	14,908	14,663	29,316	29,575
INTEREST EXPENSE
Deposits	693	1,589	1,539	3,361
Short-term borrowings		20		209
Other borrowings		23		62
Total interest expense	693	1,632	1,539	3,632
NET INTEREST INCOME	14,215	13,031	27,777	25,943
Provision for loan losses		900		1,800
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	14,215	12,131	27,777	24,143
NONINTEREST INCOME
Service fees on deposit accounts	735	735	1,518	1,524
Services charges and fees on loans	411	492	828	917
Loan swap fees	2	410	149	621
Unrealized gain on equity securities, net		4	1	11
Trust and investment fees	420	345	846	676
Gain on sale of investment securities available for sale, net		417		417
Gain on sale of loans, net	20	669	239	1,487
Earnings on bank-owned life insurance	187	191	380	534
Insurance commissions	141	166	288	334
Other	36	86	31	129
Total noninterest income	1,952	3,515	4,280	6,650
NONINTEREST EXPENSE
Compensation and employee benefits	6,305	6,372	12,639	12,768
Occupancy and equipment	1,174	1,130	2,268	2,197
Professional fees	745	524	1,440	1,057
Data processing	1,151	1,139	2,331	2,221
Advertising	280	152	373	253
Federal Deposit Insurance Corporation (FDIC) premiums	120	281	284	554
Gain on foreclosed real estate	(89)	(86)	(120)	(105)
Amortization of intangible assets	65	67	132	135
Other	647	856	1,355	1,533
Total noninterest expense	10,398	10,435	20,702	20,613
Income before income taxes	5,769	5,211	11,355	10,180
Income taxes	1,177	871	2,150	1,705
NET INCOME	$ 4,592	$ 4,340	$ 9,205	$ 8,475
Earnings per share
Basic	$ 0.47	$ 0.43	$ 0.94	$ 0.84
Diluted	0.47	0.43	0.94	0.84
Dividends per share	$ 0.12	$ 0.12	$ 0.24	$ 0.23

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Statement Of Income And Comprehensive Income [Abstract]
Net income	$ 4,592	$ 4,340	$ 9,205	$ 8,475
Investment securities available for sale:
Unrealized holding losses	(5,258)	(645)	(6,324)	(869)
Tax effect	1,105	135	1,328	185
Reclassification of gains recognized in net income		(417)		(417)
Tax effect		88		88
Net of tax amount	(4,153)	(839)	(4,996)	(1,013)
Pension plan:
Changes in unrealized holding gains	(68)		897
Tax effect	14		(187)
Reclassification of items recognized in net income	84	(111)	223	(111)
Tax effect	(18)	24	(48)	24
Net of tax amount	12	(87)	885	(87)
Derivative and hedging activities adjustments:
Changes in unrealized holding gains on derivatives included in net income	6,826	3,721	8,965	4,235
Tax effect	(1,434)	(785)	(1,883)	(893)
Reclassification adjustment for losses on derivatives included in net income	166	644	402	1,311
Tax effect	(35)	(135)	(84)	(275)
Net of tax amount	5,523	3,445	7,400	4,378
Total other comprehensive income	1,382	2,519	3,289	3,278
Comprehensive income	$ 5,974	$ 6,859	$ 12,494	$ 11,753

Consolidated Statement of Chang

Consolidated Statement of Changes in Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Unallocated Common Stock Held by the ESOP [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive (Loss) Income [Member]
Beginning Balance at Sep. 30, 2020	$ 191,397	$ 181	$ 181,487	$ (7,350)	$ 112,612	$ (91,477)	$ (4,056)
Beginning Balance Shares at Sep. 30, 2020		10,876,869
Net income	8,475				8,475
Other comprehensive income (loss)	3,278						3,278
Cash dividends declared	(2,318)				(2,318)
Stock based compensation	326		326
Allocation of ESOP stock	308		90	218
Allocation of treasury shares to incentive plan			(550)			550
Allocation of treasury shares to incentive plan, Shares		43,582
Purchase of common stock	(2,858)					(2,858)
Purchase of common stock, Shares		(189,216)
Ending Balance at Mar. 31, 2021	198,608	$ 181	181,353	(7,132)	118,769	(93,785)	(778)
Ending Balance, Shares at Mar. 31, 2021		10,731,235
Beginning Balance at Dec. 31, 2020	194,153	$ 181	181,199	(7,237)	115,645	(92,338)	(3,297)
Beginning Balance Shares at Dec. 31, 2020		10,820,816
Net income	4,340				4,340
Other comprehensive income (loss)	2,519						2,519
Cash dividends declared	(1,216)				(1,216)
Stock based compensation	94		94
Allocation of ESOP stock	165		60	105
Allocation of treasury shares to incentive plan, Shares		(65)
Purchase of common stock	(1,447)					(1,447)
Purchase of common stock, Shares		(89,516)
Ending Balance at Mar. 31, 2021	198,608	$ 181	181,353	(7,132)	118,769	(93,785)	(778)
Ending Balance, Shares at Mar. 31, 2021		10,731,235
Beginning Balance at Sep. 30, 2021	$ 201,822	$ 181	181,659	(6,915)	124,342	(98,127)	682
Beginning Balance Shares at Sep. 30, 2021	10,461,443	10,461,443
Net income	$ 9,205				9,205
Other comprehensive income (loss)	3,289						3,289
Cash dividends declared	(2,346)				(2,346)
Stock based compensation	355		355
Allocation of ESOP stock	391		165	226
Allocation of treasury shares to incentive plan	(3)		(363)			360
Allocation of treasury shares to incentive plan, Shares		27,948
Ending Balance at Mar. 31, 2022	$ 212,713	$ 181	181,816	(6,689)	131,201	(97,767)	3,971
Ending Balance, Shares at Mar. 31, 2022	10,489,391	10,489,391
Beginning Balance at Dec. 31, 2021	$ 207,619	$ 181	181,634	(6,802)	127,784	(97,767)	2,589
Beginning Balance Shares at Dec. 31, 2021		10,489,391
Net income	4,592				4,592
Other comprehensive income (loss)	1,382						1,382
Cash dividends declared	(1,175)				(1,175)
Stock based compensation	93		93
Allocation of ESOP stock	202		89	113
Ending Balance at Mar. 31, 2022	$ 212,713	$ 181	$ 181,816	$ (6,689)	$ 131,201	$ (97,767)	$ 3,971
Ending Balance, Shares at Mar. 31, 2022	10,489,391	10,489,391

Consolidated Statement of Cha_2

Consolidated Statement of Changes in Stockholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Cash dividends declared, per share	$ 0.12	$ 0.12	$ 0.24	$ 0.23
Retained Earnings [Member]
Cash dividends declared, per share	$ 0.12	$ 0.12	$ 0.24	$ 0.23

Consolidated Statement of Cash

Consolidated Statement of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
OPERATING ACTIVITIES
Net income	$ 9,205	$ 8,475
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses		1,800
Provision for depreciation and amortization	532	526
Amortization and accretion of discounts and premiums, net	(456)	(637)
Net gain on sale of investment securities, available for sale		417
Realized and unrealized gain on equity securities	(1)	(11)
Gain on sale of loans, net	(239)	(1,487)
Origination of residential real estate loans for sale	(12,932)	(41,299)
Proceeds on sale of residential real estate loans	13,552	42,082
Compensation expense on ESOP	391	308
Amortization of right-of-use asset	417	445
Stock based compensation	355	326
(Increase) decrease in accrued interest receivable	58	(938)
Decrease in accrued interest payable	(99)	(393)
Earnings on bank-owned life insurance	(380)	(414)
Deferred federal income taxes	451	(68)
Decrease in accrued pension	(195)	(352)
Gain on foreclosed real estate, net	(120)	(105)
Amortization of intangible assets	132	135
Other, net	(2,081)	(1,408)
Net cash provided by operating activities	8,474	8,444
Investment securities available for sale:
Proceeds from sale of investment securities		10,721
Proceeds from principal repayments and maturities	114,698	65,534
Purchases	(44,192)	(26,493)
Investment securities held to maturity:
Proceeds from principal repayments and maturities	2,366	10
Purchases	(41,257)	(6,106)
Decrease in loans receivable, net	1,342	30,366
Redemption of regulatory stock	198	5,557
Purchase of regulatory stock	(542)	(2,059)
Proceeds from sale of foreclosed real estate	530	233
Purchase of premises, equipment and software	(378)	(388)
Net cash provided by investing activities	32,765	77,375
FINANCING ACTIVITIES
(Decrease) increase in deposits, net	(15,209)	196,444
Net decrease in short-term borrowings		(111,713)
Repayment of other borrowings		(14,164)
Increase in advances by borrowers for taxes and insurance	7,567	3,810
Purchase of common stock		(2,858)
Dividends on common stock	(2,346)	(2,318)
Net cash (used for) provided by financing activities	(9,988)	69,201
Increase in cash and cash equivalents	31,251	155,020
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	158,946	155,917
CASH AND CASH EQUIVALENTS AT END OF YEAR	190,197	310,937
Cash Paid:
Interest	1,638	4,025
Income taxes	1,650
Noncash items:
Transfers from loans to foreclosed real estate	34	253
Initial recognition of Operating Right-of-Use Asset	520
Initial recognition of Operating Right-of-Use Liability	520
Death benefit receivable on BOLI		(3,865)
Unrealized holding losses	$ (6,324)	$ (1,286)

Nature of Operations and Basis

Nature of Operations and Basis of Presentation	6 Months Ended
	Mar. 31, 2022
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 and is currently inactive. Pocono Investment Company is a Delaware corporation formed as an investment company subsidiary to hold and manage certain investments, including certain intellectual property. ESSA Advisory Services, LLC is a Pennsylvania limited liability company owned 100 percent by ESSA Bank & Trust. ESSA Advisory Services, LLC is a full-service insurance benefits consulting company offering group services such as health insurance, life insurance, short-term and long-term disability, dental, vision, and 401(k) retirement planning as well as individual health products. Integrated Financial Corporation is a Pennsylvania corporation that provided investment advisory services to the general public and is currently inactive. Integrated Abstract Incorporated is a Pennsylvania corporation that provided title insurance services and is currently inactive. All significant intercompany accounts and transactions have been eliminated in consolidation. 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 and six month periods ended March 31, 2022 and 2021 are not necessarily indicative of the results that may be expected for the year ending September 30, 2022.

Earnings per Share

Earnings per Share	6 Months Ended
	Mar. 31, 2022
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 and six month periods ended March 31, 2022 and 2021. Three Months Ended Six Months Ended March 31, March 31, March 31, March 31, 2022 2021 2022 2021 Weighted-average common shares outstanding 18,133,095 18,133,095 18,133,095 18,133,095 Average treasury stock shares (7,652,070 ) (7,333,251 ) (7,643,766 ) (7,306,323 ) Average unearned ESOP shares (661,946 ) (707,526 ) (667,665 ) (712,929 ) Average unearned non-vested shares (52,850 ) (59,306 ) (53,605 ) (60,754 ) Weighted average common shares and common stock equivalents used to calculate basic earnings per share 9,766,229 10,033,012 9,768,059 10,053,089 Additional common stock equivalents (nonvested stock) used to calculate diluted earnings per share 2,603 2,015 2,834 2,462 Weighted average common shares and common stock equivalents used to calculate diluted earnings per share 9,768,832 10,035,027 9,770,893 10,055,551 At March 31, 2022 there were 29,974 shares of nonvested stock outstanding at an average weighted price of $16.47 per share that were not included in the computation of diluted earnings per share because to do so would have been anti-dilutive. At March 31, 2021 there were 27,710 shares of nonvested stock outstanding at an average weighted price of $16.14 per share that were not included in the computation of diluted earnings per share because to do so would have been anti-dilutive.

Use of Estimates in the Prepara

Use of Estimates in the Preparation of Financial Statements	6 Months Ended
	Mar. 31, 2022
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	6 Months Ended
	Mar. 31, 2022
Accounting Changes And Error Corrections [Abstract]
Accounting Pronouncements	4. Accounting Pronouncements Adoption of New Standards In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits (Topic 715-20) In January 2020, the FASB issued ASU 2020-4, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting In October 2020, the FASB issued ASU 2020-08, Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable Fees and Other Costs, In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848) 2020 The adoption of ASU 2021-01 did not have a significant impact on the Company’s financial statements. Recent Accounting Pronouncements In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) . This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements. In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses, Topic 326 In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses In March 2020, the FASB issued ASU 2020-3 , Codification Improvements to Financial Instruments. Financial Instruments In October 2021, the FASB issued ASU 2021-08, Business Combinations (Topic 805): Accounting for Contract Assets and Contract Liabilities from Contracts with Customers In March 2022, the FASB issued ASU 2022-01 , Derivatives and Hedging (ASC 815): Fair Value Hedging - Portfolio Layer Method within those fiscal years, beginning after December 15, 2022. T he Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (ASC 326): Troubled Debt Restructurings (TDRs) and Vintage Disclosures

Investment Securities

Investment Securities	6 Months Ended
	Mar. 31, 2022
Investments Debt And Equity Securities [Abstract]
Investment Securities	5. The amortized cost, gross unrealized gains and losses, and fair value of investment securities are summarized as follows (in thousands): March 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available for Sale Fannie Mae $ 40,928 $ 10 $ (937 ) $ 40,001 Freddie Mac 28,022 12 (631 ) 27,403 Governmental National Mortgage Association 4,947 3 (67 ) 4,883 Total mortgage-backed securities 73,897 25 (1,635 ) 72,287 Obligations of states and political subdivisions 11,585 20 (201 ) 11,404 Corporate obligations 71,463 266 (1,987 ) 69,742 Other debt securities 10,264 2 (332 ) 9,934 Total $ 167,209 $ 313 $ (4,155 ) $ 163,367 Held to Maturity Fannie Mae $ 32,502 $ - $ (2,261 ) $ 30,241 Freddie Mac 25,436 - (1,799 ) 23,637 Total mortgage-backed securities $ 57,938 $ - $ (4,060 ) $ 53,878 U.S. government agency securities 2,436 - (182 ) 2,254 Total $ 60,374 $ - $ (4,242 ) $ 56,132 September 30, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available for Sale Fannie Mae $ 25,614 $ 766 $ (30 ) $ 26,350 Freddie Mac 21,240 574 (42 ) 21,772 Governmental National Mortgage Association 6,801 159 (14 ) 6,946 Total mortgage-backed securities 53,655 1,499 (86 ) 55,068 Obligations of states and political subdivisions 12,826 420 - 13,246 U.S. government agency securities 99,997 - - 99,997 U.S. government treasury securities 1,998 4 - 2,002 Corporate obligations 58,130 940 (453 ) 58,617 Other debt securities 11,493 273 (115 ) 11,651 Total $ 238,099 $ 3,136 $ (654 ) $ 240,581 Held to Maturity Fannie Mae 11,738 - (111 ) 11,627 Freddie Mac 9,745 - (123 ) 9,622 Total $ 21,483 $ - $ (234 ) $ 21,249 The following is a summary of unrealized and realized gains and losses recognized in net income on equity securities during the three and six months ended March 31, 2022 and 2021. (in thousands) Three Months Ended March 31, 2022 Three Months Ended March 31, 2021 Net gains recognized during the period on equity securities $ - $ 4 Less: Net gains recognized during the period on equity securities sold during the period - - Unrealized gains recognized during the reporting period on equity securities still held at the reporting date $ - $ 4 (in thousands) Six Months Ended March 31, 2022 Six Months Ended March 31, 2021 Net gains recognized during the period on equity securities $ 1 $ 11 Less: Net gains recognized during the period on equity securities sold during the period - - Unrealized gains recognized during the reporting period on equity securities still held at the reporting date $ 1 $ 11 The amortized cost and fair value of debt securities at March 31, 2022, 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 Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 2,758 $ 2,773 $ — $ — Due after one year through five years 20,528 20,457 — — Due after five years through ten years 70,602 68,542 8,513 7,952 Due after ten years 73,321 71,595 51,861 48,180 Total $ 167,209 $ 163,367 $ 60,374 $ 56,132 For the three and six months ended March 31, 2022, the Company realized no gross gains or gross losses on proceeds from the sale on investment securities. For the three months ended March 31, 2021, the Company realized gross gains of $417,000 and no gross losses on proceeds from the sale on investment securities of $10.7 million. For the six months ended March 31, 2021, the Company realized gross gains of $417,000 and no gross losses on proceeds from the sale on investment securities of $10.7 million. The following tables show the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position (dollars in thousands): March 31, 2022 Number of Securities Less than Twelve Months Twelve Months or Greater Total Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fannie Mae 57 $ 63,669 $ (3,160 ) $ 3,292 $ (38 ) $ 66,961 $ (3,198 ) Freddie Mac 48 44,674 (2,257 ) 3,417 (173 ) 48,091 (2,430 ) Governmental National Mortgage Association 11 2,853 (50 ) 1,689 (17 ) 4,542 (67 ) U.S. government agency securities 1 2,254 (182 ) - - 2,254 (182 ) Obligations of states and political subdivisions 8 7,891 (201 ) - - 7,891 (201 ) Corporate obligations 58 43,145 (1,780 ) 4,074 (207 ) 47,219 (1,987 ) Other debt securities 17 7,108 (227 ) 2,132 (105 ) 9,240 (332 ) Total 200 $ 171,594 $ (7,857 ) $ 14,604 $ (540 ) $ 186,198 $ (8,397 ) September 30, 2021 Less than Twelve Months Twelve Months or Greater Total Number of Securities Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fannie Mae 17 $ 15,410 $ (127 ) $ 4,078 $ (14 ) $ 19,488 $ (141 ) Freddie Mac 12 14,466 (165 ) — — 14,466 (165 ) Governmental National Mortgage Association 4 — — 2,038 (14 ) 2,038 (14 ) Corporate obligations 28 22,799 (397 ) 1,937 (56 ) 24,736 (453 ) Other debt securities 8 — — 2,348 (115 ) 2,348 (115 ) Total 69 $ 52,675 $ (689 ) $ 10,401 $ (199 ) $ 63,076 $ (888 ) The Company’s investment securities portfolio contains unrealized losses on securities, including mortgage-related instruments issued or backed by the full faith and credit of the United States government, or generally viewed as having the implied guarantee of the U.S. government, other mortgage backed securities, debt obligations of a U.S. state or political subdivision, U.S. government agency securities, corporate obligations, other debt securities and equity securities. The Company reviews its position quarterly and has asserted that at March 31, 2022, the declines outlined in the above table represent temporary declines and the Company would not be required to sell the above securities before their anticipated recovery in market value. The Company has concluded that any impairment of its investment securities portfolio is not other than temporary but is the result of interest rate changes that are not expected to result in the non-collection of principal and interest during the period.

Loans Receivable, Net and Allow

Loans Receivable, Net and Allowance for Loan Losses	6 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Loans Receivable, Net and Allowance for Loan Losses	6. Loans Receivable, Net and Allowance for Loan Losses Loans receivable consist of the following (in thousands): March 31, 2022 September 30, 2021 Real estate loans: Residential $ 587,984 $ 580,313 Construction 18,308 14,013 Commercial 623,192 591,117 Commercial 46,653 63,500 Obligations of states and political subdivisions 35,169 56,164 Home equity loans and lines of credit 38,279 38,426 Auto loans 7,469 13,852 Other 1,471 1,581 1,358,525 1,358,966 Less allowance for loan losses 18,208 18,113 Net loans $ 1,340,317 $ 1,340,853 During 2020 and 2021 the Company participated in the Paycheck Protection Program (“PPP”), administered directly by the U.S. Small Business Administration (the “SBA”). The PPP provided loans to small businesses who were affected by economic conditions as a result of COVID-19 to provide cash-flow assistance to employers who maintain their payroll (including healthcare and certain related expenses), mortgage interest, rent, leases, utilities and interest on existing debt during the COVID-19 emergency. The PPP loans are fully guaranteed by the SBA and may be eligible for forgiveness by the SBA to the extent that the proceeds are used to cover eligible payroll costs, interest costs, rent, and utility costs over a period of up to 24 weeks after the loan is made as long as certain conditions are met regarding employee retention and compensation levels. PPP loans deemed eligible for forgiveness by the SBA will be repaid by the SBA to the Company. PPP loans are included in the Commercial loan category. In accordance with the SBA terms and conditions on these PPP loans, the Company received approximately $2.4 million in fees associated with the processing of these loans. Upon funding of the loan, these fees were deferred and will be amortized over the life of the loan as an adjustment to yield in accordance with FASB ASC 310-20-25-2. Included in commercial loans in the above table are 27 loans totaling $5.4 million originated by the Company under the Paycheck Protection Program through the quarter ended March 31, 2022 compared to 180 loans totaling $22.6 million at September 30, 2021. These loans mature in two or five years. Purchased loans acquired in a business combination are recorded at fair value on their purchase date without a carryover of the related allowance for loan losses. The following table presents additional information regarding loans acquired and accounted for in accordance with ASC 310-30 (in thousands): March 31, 2022 September 30, 2021 Acquired Loans with Specific Evidence or Deterioration in Credit Quality (ASC 310-30) Acquired Loans with Specific Evidence or Deterioration in Credit Quality (ASC 310-30) Outstanding balance $ 660 $ 939 Carrying amount $ 610 $ 877 The following tables show the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated (in thousands): Total Loans Individually Evaluated for Impairment Loans Acquired with Deteriorated Credit Quality Collectively Evaluated for Impairment March 31, 2022 Real estate loans: Residential $ 587,984 $ 1,962 $ - $ 586,022 Construction 18,308 - - 18,308 Commercial 623,192 1,741 610 620,841 Commercial 46,653 314 - 46,339 Obligations of states and political subdivisions 35,169 - - 35,169 Home equity loans and lines of credit 38,279 290 - 37,989 Auto loans 7,469 41 - 7,428 Other 1,471 7 - 1,464 Total $ 1,358,525 $ 4,355 $ 610 $ 1,353,560 Total Loans Individually Evaluated for Impairment Loans Acquired with Deteriorated Credit Quality Collectively Evaluated for Impairment September 30, 2021 Real estate loans: Residential $ 580,313 $ 2,646 $ - $ 577,667 Construction 14,013 - - 14,013 Commercial 591,117 11,166 877 579,074 Commercial 63,500 1,355 - 62,145 Obligations of states and political sub divisions 56,164 - - 56,164 Home equity loans and lines of credit 38,426 336 - 38,090 Auto loans 13,852 39 - 13,813 Other 1,581 8 - 1,573 Total $ 1,358,966 $ 15,550 $ 877 $ 1,342,539 The Company maintains a loan review system that allows for a periodic review of our loan portfolio and the early identification of potential impaired 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 loan loss allowances are established for identified losses based on a review of such information. A loan evaluated for impairment is considered to be impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. All loans identified as impaired are evaluated independently. The Company does not aggregate such loans for evaluation purposes. Impairment is measured on a loan-by-loan basis for commercial and construction loans by the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential mortgage loans for impairment disclosures, unless such loans are part of a larger relationship that is impaired or are classified as a troubled debt restructuring (“TDR”). A loan is considered to be a TDR loan when the Company grants a concession to the borrower that it would not otherwise consider because of the borrower’s financial condition. Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk. TDR loans that are in compliance with their modified terms and that yield a market rate at the time of modification may be removed from TDR status after one year of performance. The following tables include the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount at the dates indicated, if applicable (in thousands): Recorded Investment Unpaid Principal Balance Associated Allowance March 31, 2022 With no specific allowance recorded: Real estate loans Residential $ 1,856 $ 2,769 $ - Construction - - - Commercial 1,741 2,608 - Commercial 229 332 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 290 330 - Auto loans 41 57 - Other 7 20 - Total 4,164 6,116 - With an allowance recorded: Real estate loans Residential 106 110 14 Construction - - - Commercial - - - Commercial 85 95 57 Obligations of states and political subdivisions - - - Home equity loans and lines of credit - - - Auto loans - - - Other - - - Total 191 205 71 Total: Real estate loans Residential 1,962 2,879 14 Construction - - - Commercial 1,741 2,608 - Commercial 314 427 57 Obligations of states and political subdivisions - - - Home equity loans and lines of credit 290 330 - Auto loans 41 57 Other 7 20 - Total Impaired Loans $ 4,355 $ 6,321 $ 71 Recorded Investment Unpaid Principal Balance Associated Allowance September 30, 2021 With no specific allowance recorded: Real Estate Loans Residential $ 2,538 $ 3,610 $ - Construction - - - Commercial 11,152 13,030 - Commercial 165 176 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 336 368 - Auto Loans 39 60 - Other 8 21 - Total 14,238 17,265 - With an allowance recorded: Real Estate Loans Residential 108 112 17 Construction - - - Commercial 14 19 14 Commercial 1,190 1,298 397 Obligations of states and political subdivisions - - - Home equity loans and lines of credit - - - Auto Loans - - - Other - - - Total 1,312 1,429 428 Total: Real Estate Loans Residential 2,646 3,722 17 Construction - - - Commercial 11,166 13,049 14 Commercial 1,355 1,474 397 Obligations of states and political subdivisions - - - Home equity loans and lines of credit 336 368 - Auto Loans 39 60 Other 8 21 - Total Impaired Loans $ 15,550 $ 18,694 $ 428 The following table represents the average recorded investments in the impaired loans and the related amount of interest recognized during the time within the period that the impaired loans were impaired (in thousands): For the Three Months Ended March 31, 2022 2021 2022 2021 Average Recorded Investment Average Recorded Investment Interest Income Recognized Interest Income Recognized With no specific allowance recorded: Real estate loans Residential $ 1,103 $ 1,369 $ - $ 2 Construction - - - - Commercial 6,444 6,671 3 6 Commercial 77 1,448 - - Obligations of states and political subdivisions - - - - Home equity loans and lines of credit 292 95 - - Auto loans 28 51 - - Other - 10 - - Total 7,944 9,644 3 8 With an allowance recorded: Real estate loans Residential 107 146 - - Construction - - - - Commercial 28 7,158 - - Commercial 791 1,728 - - Obligations of states and political subdivisions - - - - Home equity loans and lines of credit - - - - Auto loans - 31 - - Other - - - - Total 926 9,063 - - Total: Real estate loans Residential 1,210 1,515 - 2 Construction - - - - Commercial 6,472 13,829 3 6 Commercial 868 3,176 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 292 95 - Auto loans 28 82 - - Other - 10 - - Total Impaired Loans $ 8,870 $ 18,707 $ 3 $ 8 The Company uses a ten-point internal risk-rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized and are aggregated as Pass-rated. 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 that are 90 or more days past due are considered Substandard. Loans in the Doubtful category have all the weaknesses inherent in loans classified as Substandard with the added characteristic that their 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. Certain residential real estate loans, construction loans, home equity loans and lines of credit, auto loans and other consumer loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis. These are typically loans to individuals in the consumer categories and are delineated as either performing or non-performing. To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank 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 Bank’s commercial loan officers are responsible for the timely and accurate risk rating recommendation for the loans in their portfolios at origination and on an ongoing basis. The Bank’s commercial loan officers perform an annual review of all commercial relationships $750,000 or greater. Confirmation of the appropriate risk grade is included in the review on an ongoing basis. The Bank engages an external consultant to conduct loan reviews on at least a semi-annual basis. Generally, the external consultant reviews commercial relationships greater than $1,000,000 and/or all criticized relationships. Detailed reviews, including plans for resolution, are performed on loans classified as Substandard on a quarterly basis. Loans in the Special Mention and Substandard categories that are collectively evaluated for impairment are given separate consideration in the determination of the allowance. The following tables present the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, and Doubtful or Loss within the internal risk rating system at March 31, 2022 and September 30, 2021 (in thousands): Pass Special Mention Substandard Doubtful or Loss Total March 31, 2022 Commercial real estate loans $ 596,723 $ 11,766 $ 14,703 $ - $ 623,192 Commercial 43,849 2,113 691 - 46,653 Obligations of states and political subdivisions 35,169 - - - 35,169 Total $ 675,741 $ 13,879 $ 15,394 $ - $ 705,014 Pass Special Mention Substandard Doubtful or Loss Total September 30, 2021 Commercial real estate loans $ 549,360 $ 20,184 $ 21,573 $ - $ 591,117 Commercial 61,657 141 1,702 - 63,500 Obligations of states and political subdivisions 56,164 - - - 56,164 Total $ 667,181 $ 20,325 $ 23,275 $ - $ 710,781 All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis. These are typically loans to individuals in the consumer categories and are delineated as either performing or non-performing. The following tables present the risk ratings in the consumer categories of performing and non-performing loans at March 31, 2022 and September 30, 2021 (in thousands): Performing Non- performing Total March 31, 2022 Real estate loans: Residential $ 586,144 $ 1,840 $ 587,984 Construction 18,308 - 18,308 Home equity loans and lines of credit 37,944 335 38,279 Auto loans 7,384 85 7,469 Other 1,455 16 1,471 Total $ 651,235 $ 2,276 $ 653,511 Performing Non- performing Total September 30, 2021 Real estate loans: Residential $ 577,448 $ 2,865 $ 580,313 Construction 14,013 - 14,013 Home equity loans and lines of credit 37,963 463 38,426 Auto loans 13,809 43 13,852 Other 1,567 14 1,581 Total $ 644,800 $ 3,385 $ 648,185 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, purchased credit impaired loans and nonaccrual loans as of March 31, 2022 and September 30, 2021 (in thousands): 31-60 Days 61-89 Days 90 + Days Total Purchased Total Current Past Due Past Due Past Due Past Due Credit Impaired Loans March 31, 2022 Real estate loans: Residential $ 585,837 $ 520 $ 549 $ 1,078 $ 2,147 $ - $ 587,984 Construction 18,308 - - - - - 18,308 Commercial 621,741 630 - 211 841 610 623,192 Commercial 46,418 - 3 232 235 - 46,653 Obligations of states and political subdivisions 35,169 - - - - - 35,169 Home equity loans and lines of credit 38,136 57 40 46 143 - 38,279 Auto loans 7,349 111 9 - 120 - 7,469 Other 1,460 4 - 7 11 - 1,471 Total $ 1,354,418 $ 1,322 $ 601 $ 1,574 $ 3,497 $ 610 $ 1,358,525 31-60 Days 61-89 Days 90 + Days Total Purchased Total Current Past Due Past Due Past Due Past Due Credit Impaired Loans September 30, 2021 Real estate loans: Residential $ 576,960 $ 1,029 $ 580 $ 1,744 $ 3,353 $ - $ 580,313 Construction 14,013 - - - $ - - 14,013 Commercial 587,779 111 - 2,350 $ 2,461 877 591,117 Commercial 62,243 - - 1,257 $ 1,257 - 63,500 Obligations of states and political subdivisions 56,164 - - - $ - - 56,164 Home equity loans and lines of credit 38,223 44 - 159 $ 203 - 38,426 Auto loans 13,576 271 5 - $ 276 - 13,852 Other 1,513 59 - 9 $ 68 - 1,581 Total $ 1,350,471 $ 1,514 $ 585 $ 5,519 $ 7,618 $ 877 $ 1,358,966 Non-Accrual Loans March 31, 2022 September 30, 2021 Real estate loans: Residential $ 1,840 $ 2,865 Construction - - Commercial 5,590 11,124 Commercial 318 1,358 Obligations of states and political subdivisions - - Home equity loans and lines of credit 335 463 Auto loans 85 43 Other 16 14 Total $ 8,184 $ 15,867 The allowance for loan losses is maintained at a level necessary to absorb loan losses that are both probable and reasonably estimable. Management, in determining the allowance for loan losses, considers the losses inherent in its loan portfolio and changes in the nature and volume of loan activities, along with the general economic and real estate market conditions. The allowance for loan losses consists of two elements: (1) an allocated allowance, which comprises allowances established on specific loans and class allowances based on historical loss experience and current trends, and (2) an unallocated allowance based on general economic conditions and other risk factors in our markets and portfolios. We maintain a loan review system, which allows for a periodic review of our loan portfolio and the early identification of potential impaired 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. General loan loss allowances are based upon a combination of factors including, but not limited to, actual loan loss experience, composition of the loan portfolio, current economic conditions, management’s judgment and losses which are probable and reasonably estimable. The allowance is increased through provisions charged against current earnings and recoveries of previously charged-off loans. Loans that are determined to be uncollectible are charged against the allowance. While management uses available information to recognize probable and reasonably estimable loan losses, future loss provisions may be necessary, based on changing economic conditions. Payments received on impaired loans generally are either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. The allowance for loan losses as of March 31 , 2022 was maintained at a level that represents management’s best estimate of losses inherent in the loan portfolio, and such losses were both probable and reasonably estimable. In addition, the FDIC and the Pennsylvania Department of Banking and Securities, as an integral part of their examination process, have periodically reviewed our allowance for loan 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 allowance for loan losses (“ALL”). When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL. The following table summarizes changes in the primary segments of the ALL for the three and six months ended March 31, 2022 and 2021 (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 Unallocated Total ALL balance at December 31, 2021 $ 4,098 $ 241 $ 10,607 $ 1,224 $ 265 $ 297 $ 196 $ 21 $ 1,261 $ 18,210 Charge-offs (5 ) - (19 ) - - - (15 ) - - (39 ) Recoveries - - 6 - - 2 29 - - 37 Provision 310 4 (44 ) (401 ) (19 ) 11 (121 ) (1 ) 261 - ALL balance at March 31, 2022 $ 4,403 $ 245 $ 10,550 $ 823 $ 246 $ 310 $ 89 $ 20 $ 1,522 $ 18,208 ALL balance at December 31, 2020 $ 4,507 $ 135 $ 7,862 $ 904 $ 508 $ 350 $ 620 $ 22 $ 1,233 $ 16,141 Charge-offs (4 ) - - - - - (72 ) - - (76 ) Recoveries 65 - 19 - - 2 103 - - 189 Provision (269 ) (18 ) 1,062 866 (21 ) (15 ) (212 ) (2 ) (491 ) 900 ALL balance at March 31, 2021 $ 4,299 $ 117 $ 8,943 $ 1,770 $ 487 $ 337 $ 439 $ 20 $ 742 $ 17,154 ALL balance at September 30, 2021 $ 4,114 $ 187 $ 10,470 $ 1,041 $ 393 $ 318 $ 232 $ 21 $ 1,337 $ 18,113 Charge-offs (10 ) - (19 ) - - - (22 ) - - (51 ) Recoveries 72 - 7 - - 3 64 - - 146 Provision 227 58 92 (218 ) (147 ) (11 ) (185 ) (1 ) 185 - ALL balance at March 31, 2022 $ 4,403 $ 245 $ 10,550 $ 823 $ 246 $ 310 $ 89 $ 20 $ 1,522 $ 18,208 ALL balance at September 30, 2020 $ 4,301 $ 127 $ 7,209 $ 874 $ 555 $ 337 $ 780 $ 25 $ 1,192 $ 15,400 Charge-offs (4 ) - (76 ) (9 ) - (8 ) (227 ) (1 ) - (325 ) Recoveries 65 - 36 - - 3 175 - - 279 Provision (63 ) (10 ) 1,774 905 (68 ) 5 (289 ) (4 ) (450 ) 1,800 ALL balance at March 31, 2021 $ 4,299 $ 117 $ 8,943 $ 1,770 $ 487 $ 337 $ 439 $ 20 $ 742 $ 17,154 During the three months ended March 31, 2022, the Company recorded provision expense for the residential real estate loans, construction real estate loans and home equity loans and lines of credit due to either increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. Credit provisions were recorded for loan loss for the commercial real estate loans, commercial loans, obligations of states and political subdivisions, auto loans and other loan segments due to either decreased loan balances, improved asset quality, changes in the loan mix within the pool, and/or decreased charge-off activity in those segments. During the three months ended March 31, 2021, the Company recorded provision expense for the commercial real estate loans and commercial loans segments, due to either increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. Provision expense was also recorded for possible loan losses due to the economic slowdown caused by COVID-19 restrictions. Credit provisions were recorded for loan loss for the residential real estate loans, construction real estate loans, obligations of states and political subdivisions, home equity loans and lines of credit, auto loans and other loan segments. During the six months ended March 31, 2022, the Company recorded provision expense for the residential real estate loans, construction real estate loans and the commercial real estate loans segments, due to either increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. Credit provisions were recorded for loan loss for the commercial loans, obligations of states and political subdivisions, home equity loans and lines of credit and auto loans segments due to either decreased loan balances, improved asset quality, changes in the loan mix within the pool, and/or decreased charge-off activity in those segments. During the six months ended March 31, 2021, the Company recorded provision expense for the commercial real estate loans, commercial loans and home equity loans and lines of credit segments, due to either increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. Provision expense was also recorded for possible loan losses due to the economic slowdown caused by COVID-19 restrictions. Credit provisions were recorded for loan loss for the residential real estate loans, construction real estate loans, obligations of states and political subdivisions, auto loan and other loan segments. The Company is closely monitoring all customer credit positions, particularly loans requesting payment relief. Such loans, as of March 31, 2022, amounted to approximately 0.7% of total loans outstanding, including $8.6 million in commercial real estate loans and $368,000 in commercial loans. As the economic impact of the COVID-19 pandemic continues to evolve, our customers may experience decreased cash flows, which may correlate to an inability to make timely loan payments. This, in turn, may require increases in our allowance for loan losses and increases in the level of charge-offs in our loan portfolio. The following table summarizes the primary segments of the ALL, segregated into two categories, the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of March 31, 2022 and September 30, 2021 (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 Unallocated Total Individually evaluated for impairment $ 14 $ - $ - $ 57 $ - $ - $ - $ - $ - $ 71 Collectively evaluated for impairment 4,389 245 10,550 766 246 310 89 20 1,522 18,137 ALL balance at March 31, 2022 $ 4,403 $ 245 $ 10,550 $ 823 $ 246 $ 310 $ 89 $ 20 $ 1,522 $ 18,208 Individually evaluated for impairment $ 17 $ - $ 14 $ 397 $ - $ - $ - $ - $ - $ 428 Collectively evaluated for impairment 4,097 187 10,456 644 393 318 232 21 1,337 17,685 ALL balance at September 30, 2021 $ 4,114 $ 187 $ 10,470 $ 1,041 $ 393 $ 318 $ 232 $ 21 $ 1,337 $ 18,113 The allowance for loan losses is based on estimates, and actual losses will vary from current estimates. Management believes that the granularity of the homogeneous pools and the related historical loss ratios and other qualitative factors, as well as the consistency in the application of assumptions, result in an ALL that is representative of the risk found in the components of the portfolio at any given date. Despite the above allocations, the allowance for loan losses is general in nature and is available to absorb losses from any loan segment. There following is a summary of troubled debt restructuring granted during the three and six months ended March 31, 2022 and 2021(dollars in thousands): For the Three Months Ended March 31, 2022 Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings Real estate loans: Residential 2 $ 88 $ 88 Construction — — — Commercial — — — Commercial — — — Obligations of states and political subdivisions — — — Home equity loans and lines of credit — — — Auto loans — — — Other — — — Total $ 2 $ 88 $ 88 For the Three Months Ended March 31, 2021 Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings Real estate loans: Residential 1 $ 75 $ 75 Construction — — — Commercial — — — Commercial — — — Obligations of states and political subdivisions — — — Home equity loans and lines of credit — — — Auto loans — — — Other — — — Total 1 $ 75 $ 75 For the Six Months Ended March 31, 2022 Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings Real estate loans: Residential 2 $ 88 $ 88 Construction — — — Commercial — — — Commercial — — — Obligations of states and political subdivisions — — — Home equity loans and lines of credit — — — Auto loans — — — Other — — — Total 2 $ 88 $ 88 For the Six Months Ended March 31, 2021 Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings Real estate loans: Residential 1 $ 75 $ 75 Construction — — — Commercial — — — Commercial — — — Obligations of states and political subdivisions — — — Home equity loans and lines of credit — — — Auto loans — — — Other — — — Total 1 $ 75 $ 75 For the three and six months ended March 31, 2022 and 2021, no loans defaulted on a restructuring agreement within one year of modification.

Deposits

Deposits	6 Months Ended
	Mar. 31, 2022
Deposits Liabilities Disclosures [Abstract]
Deposits	7. Deposits Deposits consist of the following major classifications (in thousands): March 31, 2022 September 30, 2021 Non-interest bearing demand accounts $ 291,676 $ 257,747 Interest bearing demand accounts 545,241 551,168 Money market accounts 417,801 428,272 Savings and club accounts 197,936 189,004 Certificates of deposit 168,252 209,924 Total $ 1,620,906 $ 1,636,115

Net Periodic Benefit Cost-Defin

Net Periodic Benefit Cost-Defined Benefit Plan	6 Months Ended
	Mar. 31, 2022
Compensation And Retirement Disclosure [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, 2021 included in the Company’s Annual Report on Form 10-K. The following table comprises the components of net periodic benefit cost for the three and six month periods ended March 31, 2022 and 2021 (in thousands): For the Three Months Ended March 31, For the Six Months Ended March 31, 2022 2021 2022 2021 Service Cost $ - $ - $ - $ - Interest Cost 131 113 256 225 Expected return on plan assets (339 ) (289 ) (672 ) (578 ) Partial settlement 83 - 221 - Amortization of net loss from earlier periods 1 111 2 111 Net periodic benefit income $ (124 ) $ (65 ) $ (193 ) $ (242 ) 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 will enter the plan after February 28, 2017; no additional years of service for benefit accrual purposes will be credited after the freeze date under the plan; and compensation earned by participants after the freeze date will not be taken into account under the plan.

Equity Incentive Plan

Equity Incentive Plan	6 Months Ended
	Mar. 31, 2022
Disclosure Of Compensation Related Costs Sharebased Payments [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 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 March 31, 2022 vest over periods ranging from 6 to 42 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 March 31, 2022 and 2021, the Company recorded $93,000 and $94,000 of share-based compensation expense, respectively, comprised of restricted stock expense. For the six months ended March 31, 2022 and 2021, the Company recorded $355,000 and $326,000 of share-based compensation expense, respectively, comprised of restricted stock expense. Expected future compensation expense relating to the restricted shares outstanding at March 31, 2022 is $712,000 over the remaining vesting period of 3.50 years. The following is a summary of the status of the Company’s restricted stock as of March 31, 2022, and changes therein during the three and six month period then ended: Number of Restricted Weighted- average Grant Date Fair Value Nonvested at September 30, 2021 42,116 $ 13.99 Granted 33,580 16.46 Vested (10,617 ) 16.40 Forfeited (5,451 ) 14.91 Nonvested at March 31, 2022 59,628 $ 14.87

Fair Value

Fair Value	6 Months Ended
	Mar. 31, 2022
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 to transfer the liability adjusted for certain inherent risks and restrictions. Expanded disclosures are also required about the use of fair value to measure assets and liabilities. Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis The following tables provide the fair value for assets and liabilities required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheet as of March 31, 2022 and September 30, 2021 by level within the fair value hierarchy (in thousands). Recurring Fair Value Measurements at Reporting Date March 31, 2022 Assets Level I Level II Level III Total Investment securities available for sale: Mortgage backed securities $ - $ 72,287 $ - $ 72,287 Obligations of states and political subdivisions - 11,404 - 11,404 U.S. government treasury securities - - - - Corporate obligations - 58,980 10,762 69,742 Other debt securities - 9,934 - 9,934 Total debt securities $ - $ 152,605 $ 10,762 $ 163,367 Equity securities- financial services 33 - - 33 Derivatives and hedging activities - 14,597 - 14,597 Liabilities Derivatives and hedging activities - 4,445 - 4,445 September 30, 2021 Assets Level I Level II Level III Total Investment securities available for sale: Mortgage backed securities $ - $ 55,068 $ - $ 55,068 Obligations of states and political subdivisions - 13,246 - 13,246 U.S. government treasury securities - 99,997 - 99,997 U.S. government agencies - 2,002 - 2,002 Corporate obligations - 47,505 11,112 58,617 Other debt securities - 11,651 - 11,651 Total debt securities $ - $ 229,469 $ 11,112 $ 240,581 Equity securities-financial services 32 - - 32 Derivatives and hedging activities - 2,554 - 2,554 Liabilities: Derivatives and hedging activities - 1,755 - 1,755 The following table presents a summary of changes in the fair value of the Company’s Level III investments for the three month periods ended March 31, 2022 and 2021 (in thousands). Fair Value Measurement Using Significant Unobservable Inputs (Level III) Three Months Ended March 31, 2022 March 31, 2021 Beginning balance $ 10,937 $ 5,388 Purchases, sales, issuances, settlements, net (500 ) (750 ) Total unrealized (loss) gain: Included in earnings - - Included in other comprehensive (loss) income (175 ) 40 Transfers in and/or out of Level III 500 - $ 10,762 $ 4,678 Fair Value Measurement Using Significant Unobservable Inputs (Level III) Six Months Ended March 31, 2022 March 31, 2021 Beginning balance $ 11,112 $ 8,260 Purchases, sales, issuances, settlements, net (500 ) (3,750 ) Total unrealized gain (loss): Included in earnings - - Included in other comprehensive (loss) income (350 ) 168 Transfers in and/or out of Level III 500 - $ 10,762 $ 4,678 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 March 31, 2022 and September 30, 2021 by level within the fair value hierarchy: Non-Recurring Fair Value Measurements at Reporting Date (in thousands) March 31, 2022 Level I Level II Level III Total Foreclosed real estate $ - $ - $ 85 $ 85 Impaired loans - - 4,284 4,284 September 30, 2021 Level I Level II Level III Total Foreclosed real estate $ - $ - $ 461 $ 461 Impaired loans - - 15,122 15,122 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 Estimate Valuation Techniques Unobservable Input Range (Average) March 31, 2022 Impaired loans $ 4,284 Appraisal of collateral (1) Appraisal adjustments (2) 0% to 35% (22.1%) Foreclosed real estate owned 85 Appraisal of collateral (1) Appraisal adjustments (2) 20% to 35% (27.2%) Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Average) September 30, 2021 Impaired loans $ 15,122 Appraisal of collateral (1) Appraisal adjustments (2) 0% to 50% (24.1%) Foreclosed real estate owned 461 Appraisal of collateral (1) Appraisal adjustments (2) 20% to 35% (20.1%) (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. Impaired 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 loan losses is allocated to the loan. At March 31, 2022, 53 impaired loans with a carrying value of $4.4 million were reduced by specific valuation allowance totaling $71,000 resulting in a net fair value of $4.3 million based on Level 3 inputs. At September 30, 2021, 76 impaired loans with a carrying value of $15.6 million were reduced by a specific valuation totaling $428,000 resulting in a net fair value of $15.1 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 March 31, 2022 and September 30, 2021 by level within the fair value hierarchy: March 31, 2022 (in thousands) Carrying Level I Level II Level III Total Fair Value Financial assets: Investment securities held to maturity $ 60,374 $ - $ - $ 53,878 $ 53,878 Loans receivable, net 1,340,317 - - 1,317,071 1,317,071 Mortgage servicing rights 820 - - 1,340 1,340 Financial liabilities: Deposits $ 1,620,906 $ 1,452,654 $ - $ 155,640 $ 1,608,294 September 30, 2021 (in thousands) Carrying Level I Level II Level III Total Fair Value Financial assets: Investment securities held to maturity $ 21,483 $ - $ - $ 21,249 $ 21,249 Loans receivable, net 1,340,853 - - 1,353,420 1,353,420 Mortgage servicing rights 763 - - 998 998 Financial liabilities: Deposits $ 1,636,115 $ 1,426,191 $ - $ 209,660 $ 1,635,851

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	6 Months Ended
	Mar. 31, 2022
Equity [Abstract]
Accumulated Other Comprehensive Income (Loss)	11. Accumulated Other Comprehensive Income (Loss) The activity in accumulated other comprehensive income (loss) for the three and six month periods ended March 31, 2022 and 2021 is as follows (in thousands): Accumulated Other Comprehensive Income/(Loss) Defined Benefit Pension Plan Unrealized (Losses) on Securities Available for Sale Derivatives Total Balance at December 31, 2021 $ (1,034 ) $ 1,119 $ 2,504 $ 2,589 Other comprehensive (loss) income before reclassifications (54 ) (4,153 ) 5,392 1,185 Amounts reclassified from accumulated other comprehensive income (loss) 66 - 131 197 Period change 12 (4,153 ) 5,523 1,382 Balance at March 31, 2022 $ (1,022 ) $ (3,034 ) $ 8,027 $ 3,971 Balance at December 31, 2020 $ (3,432 ) $ 2,993 $ (2,858 ) $ (3,297 ) Other comprehensive (loss) income before reclassifications - (510 ) 2,936 2,426 Amounts reclassified from accumulated other comprehensive (loss) income (87 ) (329 ) 509 93 Period change (87 ) (839 ) 3,445 2,519 Balance at March 31, 2021 $ (3,519 ) $ 2,154 $ 587 $ (778 ) Accumulated Other Comprehensive Income/(Loss) Defined Benefit Pension Plan Unrealized Gains (Losses) on Securities Available for Sale Derivatives Total Balance at September 30, 2021 $ (1,907 ) $ 1,962 $ 627 $ 682 Other comprehensive income (loss) before reclassifications 710 (4,996 ) 7,082 2,796 Amounts reclassified from accumulated other comprehensive income (loss) 175 — 318 493 Period change 885 (4,996 ) 7,400 3,289 Balance at March 31, 2022 $ (1,022 ) $ (3,034 ) $ 8,027 $ 3,971 Balance at September 30, 2020 $ (3,432 ) $ 3,167 $ (3,791 ) $ (4,056 ) Other comprehensive income (loss) before reclassifications — (684 ) 3,342 2,658 Amounts reclassified from accumulated other comprehensive income (loss) (87 ) (329 ) 1,036 620 Period change (87 ) (1,013 ) 4,378 3,278 Balance at March 31, 2021 $ (3,519 ) $ 2,154 $ 587 $ (778 ) The following table presents significant amounts reclassified out of each component of accumulated other comprehensive income (loss) for the three and six month periods ended March 31, 2022 and 2021 (in thousands): Amount Reclassified from Accumulated Other Comprehensive Income (Loss) Details About Accumulated Other Comprehensive Income (Loss) Components Accumulated Other Comprehensive Income (Loss) for the Three Months Ended March 31, Affected Line Item in the Consolidated Statement of Operations 2022 2021 Securities available for sale Net securities gains reclassified into earnings $ - $ 417 Gain on sale of investment securities available for sale, net Related income tax expense - (88 ) Income taxes Net effect on accumulated other comprehensive income (loss) for the period - 329 Defined benefit pension plan Amortization of net gain and prior service costs (84 ) 111 Compensation and employee benefits Related income tax expense 18 (24 ) Income taxes Net effect on accumulated other comprehensive income (loss) for the period (66 ) 87 Derivatives and hedging activities: Interest expense, effective portion (166 ) (644 ) Interest expense Related income tax expense 35 135 Income taxes Net effect on accumulated other comprehensive income (loss) for the period (131 ) (509 ) Total reclassification for the period $ (197 ) $ (93 ) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss) For the Six Months Ended March 31, Affected Line Item in the Consolidated Statement of Operations 2022 2021 Securities available for sale: Net securities gains reclassified into earnings $ - $ 417 Gain on sale of investment securities available for sale, net Related income tax expense - (88 ) Income taxes Net effect on accumulated other comprehensive income (loss) for the period - 329 Net of tax Defined benefit pension plan Amortization of net (loss) gain and prior service costs (223 ) 111 Related income tax expense 48 (24 ) Income taxes Net effect on accumulated other comprehensive income (loss) for the period (175 ) 87 Derivative and hedging activities: Interest expense, effective portion (402 ) (1,311 ) Interest expense Related income tax expense 84 275 Income taxes Net effect on accumulated other comprehensive income (loss) for the period (318 ) (1,036 ) Total reclassification for the period $ (493 ) $ (620 )

Derivative and Hedging Activiti

Derivative and Hedging Activities	6 Months Ended
	Mar. 31, 2022
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 well as their classification on the Consolidated Balance Sheet as of March 31, 2022 and September 30, 2021 (in thousands). Fair Values of Derivative Instruments Asset Derivatives As of March 31, 2022 As of September 30, 2021 Hedged Item Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value Brokered Deposits $ 225,000 Other Assets $ 10,162 $ 175,000 Other Assets $ 1,247 Commercial Loans 72,239 Other Assets 4,435 71,326 Other Assets 1,307 Total $ 297,239 $ 14,597 $ 246,326 $ 2,554 Fair Values of Derivative Instruments Liability Derivatives As of March 31, 2022 As of September 30, 2021 Hedged Item Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value Brokered Deposits $ - Other Liabilities $ - $ 60,000 Other Liabilities $ 452 Commercial Loans 104,606 Other Liabilities 4,445 103,831 Other Liabilities 1,303 Total $ 104,606 $ 4,445 $ 163,831 $ 1,755 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 March 31, 2022, the Company had ten interest rate swaps with a notional principal amount of $225.0 million associated with the Company’s cash outflows associated with various brokered certificates and $176.8 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 periods ended March 31, 2022 and 2021. 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 March 31, 2022 and 2021, the Company had $166,000 and $644,000 of losses respectively, which resulted in an increase to interest expense. During the six months ended March 31, 2022 and 2021, the Company had $402,000 and $1.3 million of losses respectively, which resulted in an increase to interest expense. During the next twelve months, the Company estimates that $3.0 million will be reclassified as an 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 and six month periods ended March 31, 2022 and 2021 (in thousands). The Effect of Fair Value and Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income (Loss) Derivatives in Hedging Relationships Loss Recognized in OCI on Derivative (Effective Portion) Three Months Ended March 31, Location of Gain or (Loss) Reclassified from Accumulated OCI into Income (Effective Portion) Loss Recognized in OCI on Derivative (Effective Portion) Three Months Ended March 31, Derivatives in Cash Flow Hedging Relationships 2022 2021 2022 2021 Interest Rate Products $ 6,992 $ 4,363 Interest expense $ (166 ) $ (644 ) Total $ 6,992 $ 4,363 $ (166 ) $ (644 ) Derivatives in Cash Flow Hedging Relationships Gain (Loss) Recognized in OCI on Derivative (Effective Portion) Six Months Ended March 31, Location of Gain or (Loss) Reclassified from Accumulated OCI into Income (Effective Portion) Loss Recognized in OCI on Derivative (Effective Portion) Six Months Ended March 31, 2022 2021 2022 2021 Interest Rate Products $ 9,367 $ 5,546 Interest expense $ (402 ) $ (1,311 ) Total $ 9,367 $ 5,546 $ (402 ) $ (1,311 ) 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 March 31, 2022, the Company had no derivatives in a net liability position and was not required to post collateral against its obligations under these agreements. As of September 30, 2021, the Company was required to post $640,000 in collateral against its obligations under these agreements. If the Company had breached any of these provisions at March 31, 2022 and September 30, 2021, it could have been required to settle its obligations under the agreements at the termination value.

Contingent Liabilities

Contingent Liabilities	6 Months Ended
	Mar. 31, 2022
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 Bank was named as a defendant in an action commenced on December 8, 2016 by one plaintiff who sought to pursue this action as a class action on behalf of the entire class of people similarly situated. The plaintiff alleges that a bank previously acquired by ESSA Bancorp 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 Bank’s 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 Bank, and remanded the case back 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. In an order dated November 24, 2020, the court referred the case to a Magistrate Judge to assist in mediation efforts. The case was stayed while the parties explored the potential for a negotiated resolution. The parties engaged in mediation but did not resolve the matter. The parties are now in the discovery process. The Bank will continue to defend against plaintiffs’ allegations. To the extent that this matter could result in exposure to the Bank, the amount of such exposure is not currently estimable. On May 29, 2020, the Bank was named as a defendant in a second action commenced by three plaintiffs who will also seek to pursue this action as a class action on behalf of the entire class of people similarly situated. The plaintiffs allege that a bank previously acquired by ESSA Bancorp 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 Bank moved to dismiss the Sherman Act claim on October 14, 2020, and that motion was denied on April 2, 2021. The parties are now in the discovery process. The Bank will continue to defend against plaintiffs’ allegations. To the extent that this matter could result in exposure to the Bank, the amount of such exposure is not currently estimable.

Revenue Recognition

Revenue Recognition	6 Months Ended
	Mar. 31, 2022
Revenue From Contract With Customer [Abstract]
Revenue Recognition	14. 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.

Leases

Leases	6 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Leases	15. A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. For the Company, Topic 842 primarily affects the accounting treatment for operating lease agreements in which the Company is the lessee. Lessee Accounting Substantially all of the leases in which the Company is the lessee are comprised of real estate property for branches, ATM locations, and office space with terms extending through 2044. With the adoption of Topic 842, operating lease agreements are required to be recognized on the Consolidated Balance sheet as a right-of-use (“ROU”) asset and a corresponding lease liability. The following table presents the Consolidated Balance Sheet classification of the Company’s ROU assets and lease liabilities. The Company elected not to include short-term leases (i.e., leases with initial terms of twelve months or less), or equipment leases (deemed immaterial) on the Consolidated Balance sheet. (in thousands) March 31, 2022 Lease Right-of-Use Assets Classification Operating lease right-of-use assets Other assets $ 6,325 Total Lease Right-Of-Use Assets $ 6,325 (in thousands) March 31, 2022 Lease Liabilities Classification Operating lease Liabilities Other liabilities $ 6,501 Total Lease Liabilities $ 6,501 (in thousands) September 30, 2021 Lease Right-of-Use Assets Classification Operating lease right-of-use assets Other assets $ 6,222 Total Lease Right-Of-Use Assets $ 6,222 (in thousands) September 30, 2021 Lease Liabilities Classification Operating lease Liabilities Other liabilities $ 6,370 Total Lease Liabilities $ 6,370 The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to October 1, 2019, the rate for the remaining lease term as of October 1, 2019 was used. March 31, 2022 Weighted average remaining lease term Operating leases 12.6 years Weighted average discount rate Operating leases 2.37 % The following table represents lease costs and other lease information. As the Company elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance and utilities. Lease Costs (in thousands) Three Months Ended March 31, 2022 Operating lease cost $ 240 Variable lease cost 101 Net lease cost $ 341 Lease Costs (in thousands) Three Months Ended March 31, 2021 Operating lease cost $ 264 Variable lease cost 79 Net lease cost $ 343 Lease Costs (in thousands) Six Months Ended March 31,2022 Operating lease cost $ 501 Variable lease cost 180 Net lease cost $ 681 Lease Costs (in thousands) Six Months Ended March 31,2021 Operating lease cost $ 527 Variable lease cost 143 Net lease cost $ 670 Future minimum payments for operating leases with initial or remaining terms of one year or more as of March 31, 2022 were as follows: (in thousands) Operating leases Twelve months Ended: March 31, 2023 $ 838 March 31, 2024 802 March 31, 2025 564 March 31, 2026 512 March 31, 2027 454 Thereafter 4,286 Total future minimum lease payments 7,456 Amounts representing interest 955 Present Value of Net Future Minimum Lease Payments $ 6,501

Accounting Pronouncements (Poli

Accounting Pronouncements (Policies)	6 Months Ended
	Mar. 31, 2022
Accounting Changes And Error Corrections [Abstract]
Adoption of New Standards and Recent Accounting Pronouncements	Adoption of New Standards In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits (Topic 715-20) In January 2020, the FASB issued ASU 2020-4, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting In October 2020, the FASB issued ASU 2020-08, Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable Fees and Other Costs, In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848) 2020 The adoption of ASU 2021-01 did not have a significant impact on the Company’s financial statements. Recent Accounting Pronouncements In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) . This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements. In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses, Topic 326 In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses In March 2020, the FASB issued ASU 2020-3 , Codification Improvements to Financial Instruments. Financial Instruments In October 2021, the FASB issued ASU 2021-08, Business Combinations (Topic 805): Accounting for Contract Assets and Contract Liabilities from Contracts with Customers In March 2022, the FASB issued ASU 2022-01 , Derivatives and Hedging (ASC 815): Fair Value Hedging - Portfolio Layer Method within those fiscal years, beginning after December 15, 2022. T he Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (ASC 326): Troubled Debt Restructurings (TDRs) and Vintage Disclosures

Earnings per Share (Tables)

Earnings per Share (Tables)	6 Months Ended
	Mar. 31, 2022
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 and six month periods ended March 31, 2022 and 2021. Three Months Ended Six Months Ended March 31, March 31, March 31, March 31, 2022 2021 2022 2021 Weighted-average common shares outstanding 18,133,095 18,133,095 18,133,095 18,133,095 Average treasury stock shares (7,652,070 ) (7,333,251 ) (7,643,766 ) (7,306,323 ) Average unearned ESOP shares (661,946 ) (707,526 ) (667,665 ) (712,929 ) Average unearned non-vested shares (52,850 ) (59,306 ) (53,605 ) (60,754 ) Weighted average common shares and common stock equivalents used to calculate basic earnings per share 9,766,229 10,033,012 9,768,059 10,053,089 Additional common stock equivalents (nonvested stock) used to calculate diluted earnings per share 2,603 2,015 2,834 2,462 Weighted average common shares and common stock equivalents used to calculate diluted earnings per share 9,768,832 10,035,027 9,770,893 10,055,551

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Mar. 31, 2022
Investments Debt And Equity Securities [Abstract]
Summary of Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value of Investment Securities	The amortized cost, gross unrealized gains and losses, and fair value of investment securities are summarized as follows (in thousands): March 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available for Sale Fannie Mae $ 40,928 $ 10 $ (937 ) $ 40,001 Freddie Mac 28,022 12 (631 ) 27,403 Governmental National Mortgage Association 4,947 3 (67 ) 4,883 Total mortgage-backed securities 73,897 25 (1,635 ) 72,287 Obligations of states and political subdivisions 11,585 20 (201 ) 11,404 Corporate obligations 71,463 266 (1,987 ) 69,742 Other debt securities 10,264 2 (332 ) 9,934 Total $ 167,209 $ 313 $ (4,155 ) $ 163,367 Held to Maturity Fannie Mae $ 32,502 $ - $ (2,261 ) $ 30,241 Freddie Mac 25,436 - (1,799 ) 23,637 Total mortgage-backed securities $ 57,938 $ - $ (4,060 ) $ 53,878 U.S. government agency securities 2,436 - (182 ) 2,254 Total $ 60,374 $ - $ (4,242 ) $ 56,132 September 30, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available for Sale Fannie Mae $ 25,614 $ 766 $ (30 ) $ 26,350 Freddie Mac 21,240 574 (42 ) 21,772 Governmental National Mortgage Association 6,801 159 (14 ) 6,946 Total mortgage-backed securities 53,655 1,499 (86 ) 55,068 Obligations of states and political subdivisions 12,826 420 - 13,246 U.S. government agency securities 99,997 - - 99,997 U.S. government treasury securities 1,998 4 - 2,002 Corporate obligations 58,130 940 (453 ) 58,617 Other debt securities 11,493 273 (115 ) 11,651 Total $ 238,099 $ 3,136 $ (654 ) $ 240,581 Held to Maturity Fannie Mae 11,738 - (111 ) 11,627 Freddie Mac 9,745 - (123 ) 9,622 Total $ 21,483 $ - $ (234 ) $ 21,249
Summary of Unrealized and Realized Gains Losses Recognized in Net Income on Equity Securities	The following is a summary of unrealized and realized gains and losses recognized in net income on equity securities during the three and six months ended March 31, 2022 and 2021. (in thousands) Three Months Ended March 31, 2022 Three Months Ended March 31, 2021 Net gains recognized during the period on equity securities $ - $ 4 Less: Net gains recognized during the period on equity securities sold during the period - - Unrealized gains recognized during the reporting period on equity securities still held at the reporting date $ - $ 4 (in thousands) Six Months Ended March 31, 2022 Six Months Ended March 31, 2021 Net gains recognized during the period on equity securities $ 1 $ 11 Less: Net gains recognized during the period on equity securities sold during the period - - Unrealized gains recognized during the reporting period on equity securities still held at the reporting date $ 1 $ 11
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt securities at March 31, 2022, 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 Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 2,758 $ 2,773 $ — $ — Due after one year through five years 20,528 20,457 — — Due after five years through ten years 70,602 68,542 8,513 7,952 Due after ten years 73,321 71,595 51,861 48,180 Total $ 167,209 $ 163,367 $ 60,374 $ 56,132
Schedule of Gross Unrealized Losses and Fair Value	The following tables show the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position (dollars in thousands): March 31, 2022 Number of Securities Less than Twelve Months Twelve Months or Greater Total Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fannie Mae 57 $ 63,669 $ (3,160 ) $ 3,292 $ (38 ) $ 66,961 $ (3,198 ) Freddie Mac 48 44,674 (2,257 ) 3,417 (173 ) 48,091 (2,430 ) Governmental National Mortgage Association 11 2,853 (50 ) 1,689 (17 ) 4,542 (67 ) U.S. government agency securities 1 2,254 (182 ) - - 2,254 (182 ) Obligations of states and political subdivisions 8 7,891 (201 ) - - 7,891 (201 ) Corporate obligations 58 43,145 (1,780 ) 4,074 (207 ) 47,219 (1,987 ) Other debt securities 17 7,108 (227 ) 2,132 (105 ) 9,240 (332 ) Total 200 $ 171,594 $ (7,857 ) $ 14,604 $ (540 ) $ 186,198 $ (8,397 ) September 30, 2021 Less than Twelve Months Twelve Months or Greater Total Number of Securities Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fannie Mae 17 $ 15,410 $ (127 ) $ 4,078 $ (14 ) $ 19,488 $ (141 ) Freddie Mac 12 14,466 (165 ) — — 14,466 (165 ) Governmental National Mortgage Association 4 — — 2,038 (14 ) 2,038 (14 ) Corporate obligations 28 22,799 (397 ) 1,937 (56 ) 24,736 (453 ) Other debt securities 8 — — 2,348 (115 ) 2,348 (115 ) Total 69 $ 52,675 $ (689 ) $ 10,401 $ (199 ) $ 63,076 $ (888 )

Loans Receivable, Net and All_2

Loans Receivable, Net and Allowance for Loan Losses (Tables)	6 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Summary of Loans Receivable	Loans receivable consist of the following (in thousands): March 31, 2022 September 30, 2021 Real estate loans: Residential $ 587,984 $ 580,313 Construction 18,308 14,013 Commercial 623,192 591,117 Commercial 46,653 63,500 Obligations of states and political subdivisions 35,169 56,164 Home equity loans and lines of credit 38,279 38,426 Auto loans 7,469 13,852 Other 1,471 1,581 1,358,525 1,358,966 Less allowance for loan losses 18,208 18,113 Net loans $ 1,340,317 $ 1,340,853
Summary of Additional Information Regarding Loans Acquired and Accounted	The following table presents additional information regarding loans acquired and accounted for in accordance with ASC 310-30 (in thousands): March 31, 2022 September 30, 2021 Acquired Loans with Specific Evidence or Deterioration in Credit Quality (ASC 310-30) Acquired Loans with Specific Evidence or Deterioration in Credit Quality (ASC 310-30) Outstanding balance $ 660 $ 939 Carrying amount $ 610 $ 877
Schedule of Loans Evaluated for Impairment	The following tables show the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated (in thousands): Total Loans Individually Evaluated for Impairment Loans Acquired with Deteriorated Credit Quality Collectively Evaluated for Impairment March 31, 2022 Real estate loans: Residential $ 587,984 $ 1,962 $ - $ 586,022 Construction 18,308 - - 18,308 Commercial 623,192 1,741 610 620,841 Commercial 46,653 314 - 46,339 Obligations of states and political subdivisions 35,169 - - 35,169 Home equity loans and lines of credit 38,279 290 - 37,989 Auto loans 7,469 41 - 7,428 Other 1,471 7 - 1,464 Total $ 1,358,525 $ 4,355 $ 610 $ 1,353,560 Total Loans Individually Evaluated for Impairment Loans Acquired with Deteriorated Credit Quality Collectively Evaluated for Impairment September 30, 2021 Real estate loans: Residential $ 580,313 $ 2,646 $ - $ 577,667 Construction 14,013 - - 14,013 Commercial 591,117 11,166 877 579,074 Commercial 63,500 1,355 - 62,145 Obligations of states and political sub divisions 56,164 - - 56,164 Home equity loans and lines of credit 38,426 336 - 38,090 Auto loans 13,852 39 - 13,813 Other 1,581 8 - 1,573 Total $ 1,358,966 $ 15,550 $ 877 $ 1,342,539
Schedule of Investment and Unpaid Principal Balances for Impaired Loans	The following tables include the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount at the dates indicated, if applicable (in thousands): Recorded Investment Unpaid Principal Balance Associated Allowance March 31, 2022 With no specific allowance recorded: Real estate loans Residential $ 1,856 $ 2,769 $ - Construction - - - Commercial 1,741 2,608 - Commercial 229 332 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 290 330 - Auto loans 41 57 - Other 7 20 - Total 4,164 6,116 - With an allowance recorded: Real estate loans Residential 106 110 14 Construction - - - Commercial - - - Commercial 85 95 57 Obligations of states and political subdivisions - - - Home equity loans and lines of credit - - - Auto loans - - - Other - - - Total 191 205 71 Total: Real estate loans Residential 1,962 2,879 14 Construction - - - Commercial 1,741 2,608 - Commercial 314 427 57 Obligations of states and political subdivisions - - - Home equity loans and lines of credit 290 330 - Auto loans 41 57 Other 7 20 - Total Impaired Loans $ 4,355 $ 6,321 $ 71 Recorded Investment Unpaid Principal Balance Associated Allowance September 30, 2021 With no specific allowance recorded: Real Estate Loans Residential $ 2,538 $ 3,610 $ - Construction - - - Commercial 11,152 13,030 - Commercial 165 176 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 336 368 - Auto Loans 39 60 - Other 8 21 - Total 14,238 17,265 - With an allowance recorded: Real Estate Loans Residential 108 112 17 Construction - - - Commercial 14 19 14 Commercial 1,190 1,298 397 Obligations of states and political subdivisions - - - Home equity loans and lines of credit - - - Auto Loans - - - Other - - - Total 1,312 1,429 428 Total: Real Estate Loans Residential 2,646 3,722 17 Construction - - - Commercial 11,166 13,049 14 Commercial 1,355 1,474 397 Obligations of states and political subdivisions - - - Home equity loans and lines of credit 336 368 - Auto Loans 39 60 Other 8 21 - Total Impaired Loans $ 15,550 $ 18,694 $ 428 The following table represents the average recorded investments in the impaired loans and the related amount of interest recognized during the time within the period that the impaired loans were impaired (in thousands): For the Three Months Ended March 31, 2022 2021 2022 2021 Average Recorded Investment Average Recorded Investment Interest Income Recognized Interest Income Recognized With no specific allowance recorded: Real estate loans Residential $ 1,103 $ 1,369 $ - $ 2 Construction - - - - Commercial 6,444 6,671 3 6 Commercial 77 1,448 - - Obligations of states and political subdivisions - - - - Home equity loans and lines of credit 292 95 - - Auto loans 28 51 - - Other - 10 - - Total 7,944 9,644 3 8 With an allowance recorded: Real estate loans Residential 107 146 - - Construction - - - - Commercial 28 7,158 - - Commercial 791 1,728 - - Obligations of states and political subdivisions - - - - Home equity loans and lines of credit - - - - Auto loans - 31 - - Other - - - - Total 926 9,063 - - Total: Real estate loans Residential 1,210 1,515 - 2 Construction - - - - Commercial 6,472 13,829 3 6 Commercial 868 3,176 - Obligations of states and political subdivisions - - - Home equity loans and lines of credit 292 95 - Auto loans 28 82 - - Other - 10 - - Total Impaired Loans $ 8,870 $ 18,707 $ 3 $ 8
Classes of the Loan Portfolio, Internal Risk Rating System	The following tables present the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, and Doubtful or Loss within the internal risk rating system at March 31, 2022 and September 30, 2021 (in thousands): Pass Special Mention Substandard Doubtful or Loss Total March 31, 2022 Commercial real estate loans $ 596,723 $ 11,766 $ 14,703 $ - $ 623,192 Commercial 43,849 2,113 691 - 46,653 Obligations of states and political subdivisions 35,169 - - - 35,169 Total $ 675,741 $ 13,879 $ 15,394 $ - $ 705,014 Pass Special Mention Substandard Doubtful or Loss Total September 30, 2021 Commercial real estate loans $ 549,360 $ 20,184 $ 21,573 $ - $ 591,117 Commercial 61,657 141 1,702 - 63,500 Obligations of states and political subdivisions 56,164 - - - 56,164 Total $ 667,181 $ 20,325 $ 23,275 $ - $ 710,781
Schedule of Performing or Nonperforming Loans	The following tables present the risk ratings in the consumer categories of performing and non-performing loans at March 31, 2022 and September 30, 2021 (in thousands): Performing Non- performing Total March 31, 2022 Real estate loans: Residential $ 586,144 $ 1,840 $ 587,984 Construction 18,308 - 18,308 Home equity loans and lines of credit 37,944 335 38,279 Auto loans 7,384 85 7,469 Other 1,455 16 1,471 Total $ 651,235 $ 2,276 $ 653,511 Performing Non- performing Total September 30, 2021 Real estate loans: Residential $ 577,448 $ 2,865 $ 580,313 Construction 14,013 - 14,013 Home equity loans and lines of credit 37,963 463 38,426 Auto loans 13,809 43 13,852 Other 1,567 14 1,581 Total $ 644,800 $ 3,385 $ 648,185
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, purchased credit impaired loans and nonaccrual loans as of March 31, 2022 and September 30, 2021 (in thousands): 31-60 Days 61-89 Days 90 + Days Total Purchased Total Current Past Due Past Due Past Due Past Due Credit Impaired Loans March 31, 2022 Real estate loans: Residential $ 585,837 $ 520 $ 549 $ 1,078 $ 2,147 $ - $ 587,984 Construction 18,308 - - - - - 18,308 Commercial 621,741 630 - 211 841 610 623,192 Commercial 46,418 - 3 232 235 - 46,653 Obligations of states and political subdivisions 35,169 - - - - - 35,169 Home equity loans and lines of credit 38,136 57 40 46 143 - 38,279 Auto loans 7,349 111 9 - 120 - 7,469 Other 1,460 4 - 7 11 - 1,471 Total $ 1,354,418 $ 1,322 $ 601 $ 1,574 $ 3,497 $ 610 $ 1,358,525 31-60 Days 61-89 Days 90 + Days Total Purchased Total Current Past Due Past Due Past Due Past Due Credit Impaired Loans September 30, 2021 Real estate loans: Residential $ 576,960 $ 1,029 $ 580 $ 1,744 $ 3,353 $ - $ 580,313 Construction 14,013 - - - $ - - 14,013 Commercial 587,779 111 - 2,350 $ 2,461 877 591,117 Commercial 62,243 - - 1,257 $ 1,257 - 63,500 Obligations of states and political subdivisions 56,164 - - - $ - - 56,164 Home equity loans and lines of credit 38,223 44 - 159 $ 203 - 38,426 Auto loans 13,576 271 5 - $ 276 - 13,852 Other 1,513 59 - 9 $ 68 - 1,581 Total $ 1,350,471 $ 1,514 $ 585 $ 5,519 $ 7,618 $ 877 $ 1,358,966 Non-Accrual Loans March 31, 2022 September 30, 2021 Real estate loans: Residential $ 1,840 $ 2,865 Construction - - Commercial 5,590 11,124 Commercial 318 1,358 Obligations of states and political subdivisions - - Home equity loans and lines of credit 335 463 Auto loans 85 43 Other 16 14 Total $ 8,184 $ 15,867
Summary of Primary Segments of ALL	The following table summarizes changes in the primary segments of the ALL for the three and six months ended March 31, 2022 and 2021 (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 Unallocated Total ALL balance at December 31, 2021 $ 4,098 $ 241 $ 10,607 $ 1,224 $ 265 $ 297 $ 196 $ 21 $ 1,261 $ 18,210 Charge-offs (5 ) - (19 ) - - - (15 ) - - (39 ) Recoveries - - 6 - - 2 29 - - 37 Provision 310 4 (44 ) (401 ) (19 ) 11 (121 ) (1 ) 261 - ALL balance at March 31, 2022 $ 4,403 $ 245 $ 10,550 $ 823 $ 246 $ 310 $ 89 $ 20 $ 1,522 $ 18,208 ALL balance at December 31, 2020 $ 4,507 $ 135 $ 7,862 $ 904 $ 508 $ 350 $ 620 $ 22 $ 1,233 $ 16,141 Charge-offs (4 ) - - - - - (72 ) - - (76 ) Recoveries 65 - 19 - - 2 103 - - 189 Provision (269 ) (18 ) 1,062 866 (21 ) (15 ) (212 ) (2 ) (491 ) 900 ALL balance at March 31, 2021 $ 4,299 $ 117 $ 8,943 $ 1,770 $ 487 $ 337 $ 439 $ 20 $ 742 $ 17,154 ALL balance at September 30, 2021 $ 4,114 $ 187 $ 10,470 $ 1,041 $ 393 $ 318 $ 232 $ 21 $ 1,337 $ 18,113 Charge-offs (10 ) - (19 ) - - - (22 ) - - (51 ) Recoveries 72 - 7 - - 3 64 - - 146 Provision 227 58 92 (218 ) (147 ) (11 ) (185 ) (1 ) 185 - ALL balance at March 31, 2022 $ 4,403 $ 245 $ 10,550 $ 823 $ 246 $ 310 $ 89 $ 20 $ 1,522 $ 18,208 ALL balance at September 30, 2020 $ 4,301 $ 127 $ 7,209 $ 874 $ 555 $ 337 $ 780 $ 25 $ 1,192 $ 15,400 Charge-offs (4 ) - (76 ) (9 ) - (8 ) (227 ) (1 ) - (325 ) Recoveries 65 - 36 - - 3 175 - - 279 Provision (63 ) (10 ) 1,774 905 (68 ) 5 (289 ) (4 ) (450 ) 1,800 ALL balance at March 31, 2021 $ 4,299 $ 117 $ 8,943 $ 1,770 $ 487 $ 337 $ 439 $ 20 $ 742 $ 17,154 During the three months ended March 31, 2022, the Company recorded provision expense for the residential real estate loans, construction real estate loans and home equity loans and lines of credit due to either increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. Credit provisions were recorded for loan loss for the commercial real estate loans, commercial loans, obligations of states and political subdivisions, auto loans and other loan segments due to either decreased loan balances, improved asset quality, changes in the loan mix within the pool, and/or decreased charge-off activity in those segments. During the three months ended March 31, 2021, the Company recorded provision expense for the commercial real estate loans and commercial loans segments, due to either increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. Provision expense was also recorded for possible loan losses due to the economic slowdown caused by COVID-19 restrictions. Credit provisions were recorded for loan loss for the residential real estate loans, construction real estate loans, obligations of states and political subdivisions, home equity loans and lines of credit, auto loans and other loan segments. During the six months ended March 31, 2022, the Company recorded provision expense for the residential real estate loans, construction real estate loans and the commercial real estate loans segments, due to either increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. Credit provisions were recorded for loan loss for the commercial loans, obligations of states and political subdivisions, home equity loans and lines of credit and auto loans segments due to either decreased loan balances, improved asset quality, changes in the loan mix within the pool, and/or decreased charge-off activity in those segments. During the six months ended March 31, 2021, the Company recorded provision expense for the commercial real estate loans, commercial loans and home equity loans and lines of credit segments, due to either increased loan balances, changes in the loan mix within the pool, and/or charge-off activity in those segments. Provision expense was also recorded for possible loan losses due to the economic slowdown caused by COVID-19 restrictions. Credit provisions were recorded for loan loss for the residential real estate loans, construction real estate loans, obligations of states and political subdivisions, auto loan and other loan segments. The Company is closely monitoring all customer credit positions, particularly loans requesting payment relief. Such loans, as of March 31, 2022, amounted to approximately 0.7% of total loans outstanding, including $8.6 million in commercial real estate loans and $368,000 in commercial loans. As the economic impact of the COVID-19 pandemic continues to evolve, our customers may experience decreased cash flows, which may correlate to an inability to make timely loan payments. This, in turn, may require increases in our allowance for loan losses and increases in the level of charge-offs in our loan portfolio. The following table summarizes the primary segments of the ALL, segregated into two categories, the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of March 31, 2022 and September 30, 2021 (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 Unallocated Total Individually evaluated for impairment $ 14 $ - $ - $ 57 $ - $ - $ - $ - $ - $ 71 Collectively evaluated for impairment 4,389 245 10,550 766 246 310 89 20 1,522 18,137 ALL balance at March 31, 2022 $ 4,403 $ 245 $ 10,550 $ 823 $ 246 $ 310 $ 89 $ 20 $ 1,522 $ 18,208 Individually evaluated for impairment $ 17 $ - $ 14 $ 397 $ - $ - $ - $ - $ - $ 428 Collectively evaluated for impairment 4,097 187 10,456 644 393 318 232 21 1,337 17,685 ALL balance at September 30, 2021 $ 4,114 $ 187 $ 10,470 $ 1,041 $ 393 $ 318 $ 232 $ 21 $ 1,337 $ 18,113
Summary of Troubled Debt Restructurings Granted	There following is a summary of troubled debt restructuring granted during the three and six months ended March 31, 2022 and 2021(dollars in thousands): For the Three Months Ended March 31, 2022 Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings Real estate loans: Residential 2 $ 88 $ 88 Construction — — — Commercial — — — Commercial — — — Obligations of states and political subdivisions — — — Home equity loans and lines of credit — — — Auto loans — — — Other — — — Total $ 2 $ 88 $ 88 For the Three Months Ended March 31, 2021 Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings Real estate loans: Residential 1 $ 75 $ 75 Construction — — — Commercial — — — Commercial — — — Obligations of states and political subdivisions — — — Home equity loans and lines of credit — — — Auto loans — — — Other — — — Total 1 $ 75 $ 75 For the Six Months Ended March 31, 2022 Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings Real estate loans: Residential 2 $ 88 $ 88 Construction — — — Commercial — — — Commercial — — — Obligations of states and political subdivisions — — — Home equity loans and lines of credit — — — Auto loans — — — Other — — — Total 2 $ 88 $ 88 For the Six Months Ended March 31, 2021 Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings Real estate loans: Residential 1 $ 75 $ 75 Construction — — — Commercial — — — Commercial — — — Obligations of states and political subdivisions — — — Home equity loans and lines of credit — — — Auto loans — — — Other — — — Total 1 $ 75 $ 75

Deposits (Tables)

Deposits (Tables)	6 Months Ended
	Mar. 31, 2022
Deposits Liabilities Disclosures [Abstract]
Schedule of Deposits by Major Classifications	Deposits consist of the following major classifications (in thousands): March 31, 2022 September 30, 2021 Non-interest bearing demand accounts $ 291,676 $ 257,747 Interest bearing demand accounts 545,241 551,168 Money market accounts 417,801 428,272 Savings and club accounts 197,936 189,004 Certificates of deposit 168,252 209,924 Total $ 1,620,906 $ 1,636,115

Net Periodic Benefit Cost-Def_2

Net Periodic Benefit Cost-Defined Benefit Plan (Tables)	6 Months Ended
	Mar. 31, 2022
Compensation And Retirement Disclosure [Abstract]
Summary of the Components of Net Periodic Benefit Cost	The following table comprises the components of net periodic benefit cost for the three and six month periods ended March 31, 2022 and 2021 (in thousands): For the Three Months Ended March 31, For the Six Months Ended March 31, 2022 2021 2022 2021 Service Cost $ - $ - $ - $ - Interest Cost 131 113 256 225 Expected return on plan assets (339 ) (289 ) (672 ) (578 ) Partial settlement 83 - 221 - Amortization of net loss from earlier periods 1 111 2 111 Net periodic benefit income $ (124 ) $ (65 ) $ (193 ) $ (242 )

Equity Incentive Plan (Tables)

Equity Incentive Plan (Tables)	6 Months Ended
	Mar. 31, 2022
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 March 31, 2022, and changes therein during the three and six month period then ended: Number of Restricted Weighted- average Grant Date Fair Value Nonvested at September 30, 2021 42,116 $ 13.99 Granted 33,580 16.46 Vested (10,617 ) 16.40 Forfeited (5,451 ) 14.91 Nonvested at March 31, 2022 59,628 $ 14.87

Fair Value (Tables)

Fair Value (Tables)	6 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and September 30, 2021 by level within the fair value hierarchy (in thousands). Recurring Fair Value Measurements at Reporting Date March 31, 2022 Assets Level I Level II Level III Total Investment securities available for sale: Mortgage backed securities $ - $ 72,287 $ - $ 72,287 Obligations of states and political subdivisions - 11,404 - 11,404 U.S. government treasury securities - - - - Corporate obligations - 58,980 10,762 69,742 Other debt securities - 9,934 - 9,934 Total debt securities $ - $ 152,605 $ 10,762 $ 163,367 Equity securities- financial services 33 - - 33 Derivatives and hedging activities - 14,597 - 14,597 Liabilities Derivatives and hedging activities - 4,445 - 4,445 September 30, 2021 Assets Level I Level II Level III Total Investment securities available for sale: Mortgage backed securities $ - $ 55,068 $ - $ 55,068 Obligations of states and political subdivisions - 13,246 - 13,246 U.S. government treasury securities - 99,997 - 99,997 U.S. government agencies - 2,002 - 2,002 Corporate obligations - 47,505 11,112 58,617 Other debt securities - 11,651 - 11,651 Total debt securities $ - $ 229,469 $ 11,112 $ 240,581 Equity securities-financial services 32 - - 32 Derivatives and hedging activities - 2,554 - 2,554 Liabilities: Derivatives and hedging activities - 1,755 - 1,755
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 month periods ended March 31, 2022 and 2021 (in thousands). Fair Value Measurement Using Significant Unobservable Inputs (Level III) Three Months Ended March 31, 2022 March 31, 2021 Beginning balance $ 10,937 $ 5,388 Purchases, sales, issuances, settlements, net (500 ) (750 ) Total unrealized (loss) gain: Included in earnings - - Included in other comprehensive (loss) income (175 ) 40 Transfers in and/or out of Level III 500 - $ 10,762 $ 4,678 Fair Value Measurement Using Significant Unobservable Inputs (Level III) Six Months Ended March 31, 2022 March 31, 2021 Beginning balance $ 11,112 $ 8,260 Purchases, sales, issuances, settlements, net (500 ) (3,750 ) Total unrealized gain (loss): Included in earnings - - Included in other comprehensive (loss) income (350 ) 168 Transfers in and/or out of Level III 500 - $ 10,762 $ 4,678
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 March 31, 2022 and September 30, 2021 by level within the fair value hierarchy: Non-Recurring Fair Value Measurements at Reporting Date (in thousands) March 31, 2022 Level I Level II Level III Total Foreclosed real estate $ - $ - $ 85 $ 85 Impaired loans - - 4,284 4,284 September 30, 2021 Level I Level II Level III Total Foreclosed real estate $ - $ - $ 461 $ 461 Impaired loans - - 15,122 15,122
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 Estimate Valuation Techniques Unobservable Input Range (Average) March 31, 2022 Impaired loans $ 4,284 Appraisal of collateral (1) Appraisal adjustments (2) 0% to 35% (22.1%) Foreclosed real estate owned 85 Appraisal of collateral (1) Appraisal adjustments (2) 20% to 35% (27.2%) Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Average) September 30, 2021 Impaired loans $ 15,122 Appraisal of collateral (1) Appraisal adjustments (2) 0% to 50% (24.1%) Foreclosed real estate owned 461 Appraisal of collateral (1) Appraisal adjustments (2) 20% to 35% (20.1%) (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 March 31, 2022 and September 30, 2021 by level within the fair value hierarchy: March 31, 2022 (in thousands) Carrying Level I Level II Level III Total Fair Value Financial assets: Investment securities held to maturity $ 60,374 $ - $ - $ 53,878 $ 53,878 Loans receivable, net 1,340,317 - - 1,317,071 1,317,071 Mortgage servicing rights 820 - - 1,340 1,340 Financial liabilities: Deposits $ 1,620,906 $ 1,452,654 $ - $ 155,640 $ 1,608,294 September 30, 2021 (in thousands) Carrying Level I Level II Level III Total Fair Value Financial assets: Investment securities held to maturity $ 21,483 $ - $ - $ 21,249 $ 21,249 Loans receivable, net 1,340,853 - - 1,353,420 1,353,420 Mortgage servicing rights 763 - - 998 998 Financial liabilities: Deposits $ 1,636,115 $ 1,426,191 $ - $ 209,660 $ 1,635,851

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	6 Months Ended
	Mar. 31, 2022
Equity [Abstract]
Summary of Activity in Accumulated Other Comprehensive Income (Loss)	The activity in accumulated other comprehensive income (loss) for the three and six month periods ended March 31, 2022 and 2021 is as follows (in thousands): Accumulated Other Comprehensive Income/(Loss) Defined Benefit Pension Plan Unrealized (Losses) on Securities Available for Sale Derivatives Total Balance at December 31, 2021 $ (1,034 ) $ 1,119 $ 2,504 $ 2,589 Other comprehensive (loss) income before reclassifications (54 ) (4,153 ) 5,392 1,185 Amounts reclassified from accumulated other comprehensive income (loss) 66 - 131 197 Period change 12 (4,153 ) 5,523 1,382 Balance at March 31, 2022 $ (1,022 ) $ (3,034 ) $ 8,027 $ 3,971 Balance at December 31, 2020 $ (3,432 ) $ 2,993 $ (2,858 ) $ (3,297 ) Other comprehensive (loss) income before reclassifications - (510 ) 2,936 2,426 Amounts reclassified from accumulated other comprehensive (loss) income (87 ) (329 ) 509 93 Period change (87 ) (839 ) 3,445 2,519 Balance at March 31, 2021 $ (3,519 ) $ 2,154 $ 587 $ (778 ) Accumulated Other Comprehensive Income/(Loss) Defined Benefit Pension Plan Unrealized Gains (Losses) on Securities Available for Sale Derivatives Total Balance at September 30, 2021 $ (1,907 ) $ 1,962 $ 627 $ 682 Other comprehensive income (loss) before reclassifications 710 (4,996 ) 7,082 2,796 Amounts reclassified from accumulated other comprehensive income (loss) 175 — 318 493 Period change 885 (4,996 ) 7,400 3,289 Balance at March 31, 2022 $ (1,022 ) $ (3,034 ) $ 8,027 $ 3,971 Balance at September 30, 2020 $ (3,432 ) $ 3,167 $ (3,791 ) $ (4,056 ) Other comprehensive income (loss) before reclassifications — (684 ) 3,342 2,658 Amounts reclassified from accumulated other comprehensive income (loss) (87 ) (329 ) 1,036 620 Period change (87 ) (1,013 ) 4,378 3,278 Balance at March 31, 2021 $ (3,519 ) $ 2,154 $ 587 $ (778 )
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 and six month periods ended March 31, 2022 and 2021 (in thousands): Amount Reclassified from Accumulated Other Comprehensive Income (Loss) Details About Accumulated Other Comprehensive Income (Loss) Components Accumulated Other Comprehensive Income (Loss) for the Three Months Ended March 31, Affected Line Item in the Consolidated Statement of Operations 2022 2021 Securities available for sale Net securities gains reclassified into earnings $ - $ 417 Gain on sale of investment securities available for sale, net Related income tax expense - (88 ) Income taxes Net effect on accumulated other comprehensive income (loss) for the period - 329 Defined benefit pension plan Amortization of net gain and prior service costs (84 ) 111 Compensation and employee benefits Related income tax expense 18 (24 ) Income taxes Net effect on accumulated other comprehensive income (loss) for the period (66 ) 87 Derivatives and hedging activities: Interest expense, effective portion (166 ) (644 ) Interest expense Related income tax expense 35 135 Income taxes Net effect on accumulated other comprehensive income (loss) for the period (131 ) (509 ) Total reclassification for the period $ (197 ) $ (93 ) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss) For the Six Months Ended March 31, Affected Line Item in the Consolidated Statement of Operations 2022 2021 Securities available for sale: Net securities gains reclassified into earnings $ - $ 417 Gain on sale of investment securities available for sale, net Related income tax expense - (88 ) Income taxes Net effect on accumulated other comprehensive income (loss) for the period - 329 Net of tax Defined benefit pension plan Amortization of net (loss) gain and prior service costs (223 ) 111 Related income tax expense 48 (24 ) Income taxes Net effect on accumulated other comprehensive income (loss) for the period (175 ) 87 Derivative and hedging activities: Interest expense, effective portion (402 ) (1,311 ) Interest expense Related income tax expense 84 275 Income taxes Net effect on accumulated other comprehensive income (loss) for the period (318 ) (1,036 ) Total reclassification for the period $ (493 ) $ (620 )

Derivatives and Hedging Activit

Derivatives and Hedging Activities (Tables)	6 Months Ended
	Mar. 31, 2022
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Schedule of Fair Value of Derivative Financial Instruments as well as their Classification on Consolidated Balance Sheet	The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Balance Sheet as of March 31, 2022 and September 30, 2021 (in thousands). Fair Values of Derivative Instruments Asset Derivatives As of March 31, 2022 As of September 30, 2021 Hedged Item Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value Brokered Deposits $ 225,000 Other Assets $ 10,162 $ 175,000 Other Assets $ 1,247 Commercial Loans 72,239 Other Assets 4,435 71,326 Other Assets 1,307 Total $ 297,239 $ 14,597 $ 246,326 $ 2,554 Fair Values of Derivative Instruments Liability Derivatives As of March 31, 2022 As of September 30, 2021 Hedged Item Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value Brokered Deposits $ - Other Liabilities $ - $ 60,000 Other Liabilities $ 452 Commercial Loans 104,606 Other Liabilities 4,445 103,831 Other Liabilities 1,303 Total $ 104,606 $ 4,445 $ 163,831 $ 1,755
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 and six month periods ended March 31, 2022 and 2021 (in thousands). The Effect of Fair Value and Cash Flow Hedge Accounting on Accumulated Other Comprehensive Income (Loss) Derivatives in Hedging Relationships Loss Recognized in OCI on Derivative (Effective Portion) Three Months Ended March 31, Location of Gain or (Loss) Reclassified from Accumulated OCI into Income (Effective Portion) Loss Recognized in OCI on Derivative (Effective Portion) Three Months Ended March 31, Derivatives in Cash Flow Hedging Relationships 2022 2021 2022 2021 Interest Rate Products $ 6,992 $ 4,363 Interest expense $ (166 ) $ (644 ) Total $ 6,992 $ 4,363 $ (166 ) $ (644 ) Derivatives in Cash Flow Hedging Relationships Gain (Loss) Recognized in OCI on Derivative (Effective Portion) Six Months Ended March 31, Location of Gain or (Loss) Reclassified from Accumulated OCI into Income (Effective Portion) Loss Recognized in OCI on Derivative (Effective Portion) Six Months Ended March 31, 2022 2021 2022 2021 Interest Rate Products $ 9,367 $ 5,546 Interest expense $ (402 ) $ (1,311 ) Total $ 9,367 $ 5,546 $ (402 ) $ (1,311 )

Leases (Tables)

Leases (Tables)	6 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Summary of Balance Sheet Operating Lease Right-of-Use Assets and Lease Liabilities	The following table presents the Consolidated Balance Sheet classification of the Company’s ROU assets and lease liabilities. The Company elected not to include short-term leases (i.e., leases with initial terms of twelve months or less), or equipment leases (deemed immaterial) on the Consolidated Balance sheet. (in thousands) March 31, 2022 Lease Right-of-Use Assets Classification Operating lease right-of-use assets Other assets $ 6,325 Total Lease Right-Of-Use Assets $ 6,325 (in thousands) March 31, 2022 Lease Liabilities Classification Operating lease Liabilities Other liabilities $ 6,501 Total Lease Liabilities $ 6,501 (in thousands) September 30, 2021 Lease Right-of-Use Assets Classification Operating lease right-of-use assets Other assets $ 6,222 Total Lease Right-Of-Use Assets $ 6,222 (in thousands) September 30, 2021 Lease Liabilities Classification Operating lease Liabilities Other liabilities $ 6,370 Total Lease Liabilities $ 6,370
Summary of Lease Term and Discount Rate	The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to October 1, 2019, the rate for the remaining lease term as of October 1, 2019 was used. March 31, 2022 Weighted average remaining lease term Operating leases 12.6 years Weighted average discount rate Operating leases 2.37 %
Summary of Components of Lease Cost	The following table represents lease costs and other lease information. As the Company elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance and utilities. Lease Costs (in thousands) Three Months Ended March 31, 2022 Operating lease cost $ 240 Variable lease cost 101 Net lease cost $ 341 Lease Costs (in thousands) Three Months Ended March 31, 2021 Operating lease cost $ 264 Variable lease cost 79 Net lease cost $ 343 Lease Costs (in thousands) Six Months Ended March 31,2022 Operating lease cost $ 501 Variable lease cost 180 Net lease cost $ 681 Lease Costs (in thousands) Six Months Ended March 31,2021 Operating lease cost $ 527 Variable lease cost 143 Net lease cost $ 670
Summary of Future Minimum Lease Payments	Future minimum payments for operating leases with initial or remaining terms of one year or more as of March 31, 2022 were as follows: (in thousands) Operating leases Twelve months Ended: March 31, 2023 $ 838 March 31, 2024 802 March 31, 2025 564 March 31, 2026 512 March 31, 2027 454 Thereafter 4,286 Total future minimum lease payments 7,456 Amounts representing interest 955 Present Value of Net Future Minimum Lease Payments $ 6,501

Nature of Operations and Basi_2

Nature of Operations and Basis of Presentation - Additional Information (Detail)	Mar. 31, 2022
ESSA Advisory Services, LLC [Member]
Summary Of Significant Accounting Policies [Line Items]
Percentage ownership of wholly owned subsidiary	100.00%

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		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Earnings Per Share [Abstract]
Weighted-average common shares outstanding	18,133,095	18,133,095	18,133,095	18,133,095
Average treasury stock shares	(7,652,070)	(7,333,251)	(7,643,766)	(7,306,323)
Average unearned ESOP shares	(661,946)	(707,526)	(667,665)	(712,929)
Average unearned non-vested shares	(52,850)	(59,306)	(53,605)	(60,754)
Weighted average common shares and common stock equivalents used to calculate basic earnings per share	9,766,229	10,033,012	9,768,059	10,053,089
Additional common stock equivalents (nonvested stock) used to calculate diluted earnings per share	2,603	2,015	2,834	2,462
Weighted average common shares and common stock equivalents used to calculate diluted earnings per share	9,768,832	10,035,027	9,770,893	10,055,551

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - Stock Option [Member] - $ / shares	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities	29,974	27,710
Average weighted price per share of anti-dilutive shares	$ 16.47	$ 16.14

Accounting Pronouncements - Add

Accounting Pronouncements - Additional Information (Details)	Mar. 31, 2022
ASU 2018-14 [Member]
New Accounting Pronouncements Or Change In Accounting Principle [Line Items]
Change in accounting principle, accounting standards update, adopted	true
Change in accounting principle, accounting standards update, immaterial effect	true
ASU 2020-04 [Member]
New Accounting Pronouncements Or Change In Accounting Principle [Line Items]
Change in accounting principle, accounting standards update, adopted	true
Change in accounting principle, accounting standards update, immaterial effect	true
ASU 2020-08 [Member]
New Accounting Pronouncements Or Change In Accounting Principle [Line Items]
Change in accounting principle, accounting standards update, adopted	true
Change in accounting principle, accounting standards update, immaterial effect	true
ASU 2021-01 [Member]
New Accounting Pronouncements Or Change In Accounting Principle [Line Items]
Change in accounting principle, accounting standards update, adopted	true
Change in accounting principle, accounting standards update, immaterial effect	true

Investment Securities - Summary

Investment Securities - Summary of Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value of Investment Securities (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost	$ 167,209	$ 238,099
Available for sale, Gross Unrealized Gains	313	3,136
Available for sale, Gross Unrealized Losses	(4,155)	(654)
Available for sale, Fair Value	163,367	240,581
Held to maturity, Amortized Cost	60,374	21,483
Held to maturity, Gross Unrealized Losses	(4,242)	(234)
Held to maturity, Fair Value	56,132	21,249
Fannie Mae [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost	40,928	25,614
Available for sale, Gross Unrealized Gains	10	766
Available for sale, Gross Unrealized Losses	(937)	(30)
Available for sale, Fair Value	40,001	26,350
Held to maturity, Amortized Cost	32,502	11,738
Held to maturity, Gross Unrealized Losses	(2,261)	(111)
Held to maturity, Fair Value	30,241	11,627
Freddie Mac [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost	28,022	21,240
Available for sale, Gross Unrealized Gains	12	574
Available for sale, Gross Unrealized Losses	(631)	(42)
Available for sale, Fair Value	27,403	21,772
Held to maturity, Amortized Cost	25,436	9,745
Held to maturity, Gross Unrealized Losses	(1,799)	(123)
Held to maturity, Fair Value	23,637	9,622
Governmental National Mortgage Association [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost	4,947	6,801
Available for sale, Gross Unrealized Gains	3	159
Available for sale, Gross Unrealized Losses	(67)	(14)
Available for sale, Fair Value	4,883	6,946
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost	73,897	53,655
Available for sale, Gross Unrealized Gains	25	1,499
Available for sale, Gross Unrealized Losses	(1,635)	(86)
Available for sale, Fair Value	72,287	55,068
Held to maturity, Amortized Cost	57,938
Held to maturity, Gross Unrealized Losses	(4,060)
Held to maturity, Fair Value	53,878
Obligations of States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost	11,585	12,826
Available for sale, Gross Unrealized Gains	20	420
Available for sale, Gross Unrealized Losses	(201)
Available for sale, Fair Value	11,404	13,246
U.S. Government Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost		99,997
Available for sale, Fair Value		99,997
Held to maturity, Amortized Cost	2,436
Held to maturity, Gross Unrealized Losses	(182)
Held to maturity, Fair Value	2,254
U.S. Government Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost		1,998
Available for sale, Gross Unrealized Gains		4
Available for sale, Fair Value		2,002
Corporate Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost	71,463	58,130
Available for sale, Gross Unrealized Gains	266	940
Available for sale, Gross Unrealized Losses	(1,987)	(453)
Available for sale, Fair Value	69,742	58,617
Other Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, Amortized Cost	10,264	11,493
Available for sale, Gross Unrealized Gains	2	273
Available for sale, Gross Unrealized Losses	(332)	(115)
Available for sale, Fair Value	$ 9,934	$ 11,651

Investment Securities - Summa_2

Investment Securities - Summary of Unrealized and Realized Gains Losses Recognized in Net Income on Equity Securities (Detail) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Investments Debt And Equity Securities [Abstract]
Net gains recognized during the period on equity securities	$ 4	$ 1	$ 11
Unrealized gains recognized during the reporting period on equity securities still held at the reporting date	$ 4	$ 1	$ 11

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Due in one year or less, Amortized Cost	$ 2,758
Due after one year through five years, Amortized Cost	20,528
Due after five years through ten years, Amortized Cost	70,602
Due after ten years, Amortized Cost	73,321
Available for sale, Amortized Cost	167,209	$ 238,099
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Due in one year or less, Fair Value	2,773
Due after one year through five years, Fair Value	20,457
Due after five years through ten years, Fair Value	68,542
Due after ten years, Fair Value	71,595
Total, Fair Value	163,367	$ 240,581
Held to maturity Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Due after five years through ten years, Amortized Cost	8,513
Due after ten years, Amortized Cost	51,861
Total, Amortized Cost	60,374
Held to maturity Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Due after five years through ten years, Fair Value	7,952
Due after ten years, Fair Value	48,180
Total, Fair Value	$ 56,132

Investment Securities - Additio

Investment Securities - Additional Information (Detail) - USD ($)	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Amortized Cost And Fair Value Debt Securities [Abstract]
Realized gross gains	$ 0	$ 417,000	$ 0	$ 417,000
Realized gross losses	$ 0	0	$ 0	0
Proceeds from the sale of investment securities		$ 10,700,000		$ 10,700,000

Investment Securities - Sched_2

Investment Securities - Schedule of Gross Unrealized Losses and Fair Value (Detail) $ in Thousands	Mar. 31, 2022USD ($)Security	Sep. 30, 2021USD ($)Security
Schedule of Available-for-sale Securities [Line Items]
Number of Securities, Debt | Security	200	69
Fair Value, Less than Twelve Months, Debt	$ 171,594	$ 52,675
Gross Unrealized Losses, Less than Twelve Months, Debt	(7,857)	(689)
Fair Value, Twelve Months or Greater, Debt	14,604	10,401
Gross Unrealized Losses, Twelve Months or Greater, Debt	(540)	(199)
Fair Value Total, Debt	186,198	63,076
Gross Unrealized Losses Total, Debt	$ (8,397)	$ (888)
Fannie Mae [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of Securities, Debt | Security	57	17
Fair Value, Less than Twelve Months, Debt	$ 63,669	$ 15,410
Gross Unrealized Losses, Less than Twelve Months, Debt	(3,160)	(127)
Fair Value, Twelve Months or Greater, Debt	3,292	4,078
Gross Unrealized Losses, Twelve Months or Greater, Debt	(38)	(14)
Fair Value Total, Debt	66,961	19,488
Gross Unrealized Losses Total, Debt	$ (3,198)	$ (141)
Freddie Mac [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of Securities, Debt | Security	48	12
Fair Value, Less than Twelve Months, Debt	$ 44,674	$ 14,466
Gross Unrealized Losses, Less than Twelve Months, Debt	(2,257)	(165)
Fair Value, Twelve Months or Greater, Debt	3,417
Gross Unrealized Losses, Twelve Months or Greater, Debt	(173)
Fair Value Total, Debt	48,091	14,466
Gross Unrealized Losses Total, Debt	$ (2,430)	$ (165)
Governmental National Mortgage Association [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of Securities, Debt | Security	11	4
Fair Value, Less than Twelve Months, Debt	$ 2,853
Gross Unrealized Losses, Less than Twelve Months, Debt	(50)
Fair Value, Twelve Months or Greater, Debt	1,689	$ 2,038
Gross Unrealized Losses, Twelve Months or Greater, Debt	(17)	(14)
Fair Value Total, Debt	4,542	2,038
Gross Unrealized Losses Total, Debt	$ (67)	$ (14)
U.S. Government Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of Securities, Debt | Security	1
Fair Value, Less than Twelve Months, Debt	$ 2,254
Gross Unrealized Losses, Less than Twelve Months, Debt	(182)
Fair Value Total, Debt	2,254
Gross Unrealized Losses Total, Debt	$ (182)
Obligations of States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of Securities, Debt | Security	8
Fair Value, Less than Twelve Months, Debt	$ 7,891
Gross Unrealized Losses, Less than Twelve Months, Debt	(201)
Fair Value Total, Debt	7,891
Gross Unrealized Losses Total, Debt	$ (201)
Corporate Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of Securities, Debt | Security	58	28
Fair Value, Less than Twelve Months, Debt	$ 43,145	$ 22,799
Gross Unrealized Losses, Less than Twelve Months, Debt	(1,780)	(397)
Fair Value, Twelve Months or Greater, Debt	4,074	1,937
Gross Unrealized Losses, Twelve Months or Greater, Debt	(207)	(56)
Fair Value Total, Debt	47,219	24,736
Gross Unrealized Losses Total, Debt	$ (1,987)	$ (453)
Other Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of Securities, Debt | Security	17	8
Fair Value, Less than Twelve Months, Debt	$ 7,108
Gross Unrealized Losses, Less than Twelve Months, Debt	(227)
Fair Value, Twelve Months or Greater, Debt	2,132	$ 2,348
Gross Unrealized Losses, Twelve Months or Greater, Debt	(105)	(115)
Fair Value Total, Debt	9,240	2,348
Gross Unrealized Losses Total, Debt	$ (332)	$ (115)

Loans Receivable, Net and All_3

Loans Receivable, Net and Allowance for Loan Losses - Summary of Loans Receivable (Detail) - USD ($)	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020
Real estate loans:
Total Loans	$ 1,358,525,000		$ 1,358,966,000
Less allowance for loan losses	18,208,000	$ 18,210,000	18,113,000	$ 17,154,000	$ 16,141,000	$ 15,400,000
Net loans	1,340,317,000		1,340,853,000
Obligations of States and Political Subdivisions [Member]
Real estate loans:
Total Loans	35,169,000		56,164,000
Less allowance for loan losses	246,000	265,000	393,000	487,000	508,000	555,000
Home Equity Loans and Lines of Credit [Member]
Real estate loans:
Total Loans	38,279,000		38,426,000
Less allowance for loan losses	310,000	297,000	318,000	337,000	350,000	337,000
Auto Loans [Member]
Real estate loans:
Total Loans	7,469,000		13,852,000
Less allowance for loan losses	89,000	196,000	232,000	439,000	620,000	780,000
Other [Member]
Real estate loans:
Total Loans	1,471,000		1,581,000
Less allowance for loan losses	20,000	21,000	21,000	20,000	22,000	25,000
Residential [Member] | Real Estate Loans [Member]
Real estate loans:
Total Loans	587,984,000		580,313,000
Less allowance for loan losses	4,403,000	4,098,000	4,114,000	4,299,000	4,507,000	4,301,000
Construction [Member] | Real Estate Loans [Member]
Real estate loans:
Total Loans	18,308,000		14,013,000
Less allowance for loan losses	245,000	241,000	187,000	117,000	135,000	127,000
Commercial [Member]
Real estate loans:
Net loans	8,600,000
Commercial [Member] | Real Estate Loans [Member]
Real estate loans:
Total Loans	623,192,000		591,117,000
Less allowance for loan losses	10,550,000	10,607,000	10,470,000	8,943,000	7,862,000	7,209,000
Commercial Loans [Member]
Real estate loans:
Total Loans	46,653,000		63,500,000
Less allowance for loan losses	823,000	$ 1,224,000	$ 1,041,000	$ 1,770,000	$ 904,000	$ 874,000
Net loans	$ 368,000

Loans Receivable, Net and All_4

Loans Receivable, Net and Allowance for Loan Losses - Additional Information (Detail)	3 Months Ended		6 Months Ended	12 Months Ended
	Mar. 31, 2022USD ($)LoanContract	Mar. 31, 2021Contract	Mar. 31, 2022USD ($)	Sep. 30, 2021USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Criteria in internal rating system			Ten-point
Categories considered as not criticized			six
Days past due over which loans are considered as substandard			90 days
Minimum internal review amount	$ 750,000		$ 750,000
Minimum external review amount	$ 1,000,000		$ 1,000,000
Payment relief loan reported as percentage of loans outstanding	0.70%		0.70%
Loan, total	$ 1,340,317,000		$ 1,340,317,000	$ 1,340,853,000
Number of troubled debt restructurings, loan modified, defaulted within one year of modification | Contract	0	0
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan, total	$ 368,000		368,000
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan, total	$ 8,600,000		8,600,000
Paycheck Protection Program [Member] | Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans | Loan	27			180
Loans originated	$ 5,400,000		$ 5,400,000	$ 22,600,000
Guaranteed loans maturity period			two or five years
Paycheck Protection Program [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Proceeds from loans			$ 2,400,000

Loans Receivable, Net and All_5

Loans Receivable, Net and Allowance for Loan Losses - Summary of Additional Information Regarding Loans Acquired and Accounted (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying amount	$ 1,358,525	$ 1,358,966
Loans Acquired with Deteriorated Credit Quality [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding balance	660	939
Carrying amount	$ 610	$ 877

Loans Receivable, Net and All_6

Loans Receivable, Net and Allowance for Loan Losses - Schedule of Loans Evaluated for Impairment (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 1,358,525	$ 1,358,966
Individually Evaluated for Impairment	4,355	15,550
Collectively Evaluated for Impairment	1,353,560	1,342,539
Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	610	877
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	35,169	56,164
Collectively Evaluated for Impairment	35,169	56,164
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	38,279	38,426
Individually Evaluated for Impairment	290	336
Collectively Evaluated for Impairment	37,989	38,090
Auto Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	7,469	13,852
Individually Evaluated for Impairment	41	39
Collectively Evaluated for Impairment	7,428	13,813
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,471	1,581
Individually Evaluated for Impairment	7	8
Collectively Evaluated for Impairment	1,464	1,573
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	587,984	580,313
Individually Evaluated for Impairment	1,962	2,646
Collectively Evaluated for Impairment	586,022	577,667
Construction [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	18,308	14,013
Collectively Evaluated for Impairment	18,308	14,013
Commercial [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	623,192	591,117
Individually Evaluated for Impairment	1,741	11,166
Collectively Evaluated for Impairment	620,841	579,074
Commercial [Member] | Real Estate Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	610	877
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	46,653	63,500
Individually Evaluated for Impairment	314	1,355
Collectively Evaluated for Impairment	$ 46,339	$ 62,145

Loans Receivable, Net and All_7

Loans Receivable, Net and Allowance for Loan Losses - Schedule of Investment and Unpaid Principal Balances for Impaired Loans (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Sep. 30, 2021
Financing Receivable, Impaired [Line Items]
Recorded Investment	$ 4,355		$ 15,550
Unpaid Principal Balance	6,321		18,694
Associated Allowance	71		428
Average Recorded Investment	8,870	$ 18,707
Interest Income Recognized	3	8
With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	4,164		14,238
Unpaid Principal Balance	6,116		17,265
Average Recorded Investment	7,944	9,644
Interest Income Recognized	3	8
With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	191		1,312
Unpaid Principal Balance	205		1,429
Associated Allowance	71		428
Average Recorded Investment	926	9,063
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	290		336
Unpaid Principal Balance	330		368
Average Recorded Investment	292	95
Home Equity Loans and Lines of Credit [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	290		336
Unpaid Principal Balance	330		368
Average Recorded Investment	292	95
Auto Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	41		39
Unpaid Principal Balance	57		60
Average Recorded Investment	28	82
Auto Loans [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	41		39
Unpaid Principal Balance	57		60
Average Recorded Investment	28	51
Auto Loans [Member] | With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment		31
Other [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	7		8
Unpaid Principal Balance	20		21
Average Recorded Investment		10
Other [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	7		8
Unpaid Principal Balance	20		21
Average Recorded Investment		10
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,962		2,646
Unpaid Principal Balance	2,879		3,722
Associated Allowance	14		17
Average Recorded Investment	1,210	1,515
Interest Income Recognized		2
Residential [Member] | Real Estate Loans [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,856		2,538
Unpaid Principal Balance	2,769		3,610
Average Recorded Investment	1,103	1,369
Interest Income Recognized		2
Residential [Member] | Real Estate Loans [Member] | With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	106		108
Unpaid Principal Balance	110		112
Associated Allowance	14		17
Average Recorded Investment	107	146
Commercial [Member] | Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,741		11,166
Unpaid Principal Balance	2,608		13,049
Associated Allowance			14
Average Recorded Investment	6,472	13,829
Interest Income Recognized	3	6
Commercial [Member] | Real Estate Loans [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,741		11,152
Unpaid Principal Balance	2,608		13,030
Average Recorded Investment	6,444	6,671
Interest Income Recognized	3	6
Commercial [Member] | Real Estate Loans [Member] | With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment			14
Unpaid Principal Balance			19
Associated Allowance			14
Average Recorded Investment	28	7,158
Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	314		1,355
Unpaid Principal Balance	427		1,474
Associated Allowance	57		397
Average Recorded Investment	868	3,176
Commercial Loans [Member] | With no Specific Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	229		165
Unpaid Principal Balance	332		176
Average Recorded Investment	77	1,448
Commercial Loans [Member] | With an Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	85		1,190
Unpaid Principal Balance	95		1,298
Associated Allowance	57		$ 397
Average Recorded Investment	$ 791	$ 1,728

Loans Receivable, Net and All_8

Loans Receivable, Net and Allowance for Loan Losses - Classes of Loan Portfolio, Internal Risk Rating System (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	$ 1,340,317	$ 1,340,853
Commercial And Municipal Portfolio Segment
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	705,014	710,781
Commercial And Municipal Portfolio Segment | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	623,192	591,117
Commercial And Municipal Portfolio Segment | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	46,653	63,500
Commercial And Municipal Portfolio Segment | Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	35,169	56,164
Commercial And Municipal Portfolio Segment | Pass [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	675,741	667,181
Commercial And Municipal Portfolio Segment | Pass [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	596,723	549,360
Commercial And Municipal Portfolio Segment | Pass [Member] | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	43,849	61,657
Commercial And Municipal Portfolio Segment | Pass [Member] | Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	35,169	56,164
Commercial And Municipal Portfolio Segment | Special Mention [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	13,879	20,325
Commercial And Municipal Portfolio Segment | Special Mention [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	11,766	20,184
Commercial And Municipal Portfolio Segment | Special Mention [Member] | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	2,113	141
Commercial And Municipal Portfolio Segment | Substandard [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	15,394	23,275
Commercial And Municipal Portfolio Segment | Substandard [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	14,703	21,573
Commercial And Municipal Portfolio Segment | Substandard [Member] | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loan, total	$ 691	$ 1,702

Loans Receivable, Net and All_9

Loans Receivable, Net and Allowance for Loan Losses - Schedule of Performing or Non-Performing Loans (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,340,317	$ 1,340,853
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	653,511	648,185
Home Equity Loans and Lines of Credit [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	38,279	38,426
Auto Loans [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	7,469	13,852
Other [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	1,471	1,581
Performing [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	651,235	644,800
Performing [Member] | Home Equity Loans and Lines of Credit [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	37,944	37,963
Performing [Member] | Auto Loans [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	7,384	13,809
Performing [Member] | Other [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	1,455	1,567
Non-performing [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	2,276	3,385
Non-performing [Member] | Home Equity Loans and Lines of Credit [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	335	463
Non-performing [Member] | Auto Loans [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	85	43
Non-performing [Member] | Other [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	16	14
Residential [Member] | Real Estate Loans [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	587,984	580,313
Residential [Member] | Performing [Member] | Real Estate Loans [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	586,144	577,448
Residential [Member] | Non-performing [Member] | Real Estate Loans [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	1,840	2,865
Construction [Member] | Real Estate Loans [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	18,308	14,013
Construction [Member] | Performing [Member] | Real Estate Loans [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 18,308	$ 14,013

Loans Receivable, Net and Al_10

Loans Receivable, Net and Allowance for Loan Losses - Classes of Loan Portfolio Summarized by Aging Categories (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	$ 1,354,418	$ 1,350,471
31-60 Days Past Due, Accruing Loans	1,322	1,514
61-90 Days Past Due, Accruing Loans	601	585
90+ Days Past Due	1,574	5,519
Total Past Due, Accruing Loans	3,497	7,618
Purchased Credit Impaired, Accruing Loans	610	877
Total Accruing Loans	1,358,525	1,358,966
Non-Accrual Loans	8,184	15,867
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	35,169	56,164
Total Accruing Loans	35,169	56,164
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	38,136	38,223
31-60 Days Past Due, Accruing Loans	57	44
61-90 Days Past Due, Accruing Loans	40
90+ Days Past Due	46	159
Total Past Due, Accruing Loans	143	203
Total Accruing Loans	38,279	38,426
Non-Accrual Loans	335	463
Auto Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	7,349	13,576
31-60 Days Past Due, Accruing Loans	111	271
61-90 Days Past Due, Accruing Loans	9	5
Total Past Due, Accruing Loans	120	276
Total Accruing Loans	7,469	13,852
Non-Accrual Loans	85	43
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	1,460	1,513
31-60 Days Past Due, Accruing Loans	4	59
90+ Days Past Due	7	9
Total Past Due, Accruing Loans	11	68
Total Accruing Loans	1,471	1,581
Non-Accrual Loans	16	14
Residential [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	585,837	576,960
31-60 Days Past Due, Accruing Loans	520	1,029
61-90 Days Past Due, Accruing Loans	549	580
90+ Days Past Due	1,078	1,744
Total Past Due, Accruing Loans	2,147	3,353
Total Accruing Loans	587,984	580,313
Non-Accrual Loans	1,840	2,865
Construction [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	18,308	14,013
Total Accruing Loans	18,308	14,013
Commercial [Member] | Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	621,741	587,779
31-60 Days Past Due, Accruing Loans	630	111
90+ Days Past Due	211	2,350
Total Past Due, Accruing Loans	841	2,461
Purchased Credit Impaired, Accruing Loans	610	877
Total Accruing Loans	623,192	591,117
Non-Accrual Loans	5,590	11,124
Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current, Accruing Loans	46,418	62,243
61-90 Days Past Due, Accruing Loans	3
90+ Days Past Due	232	1,257
Total Past Due, Accruing Loans	235	1,257
Total Accruing Loans	46,653	63,500
Non-Accrual Loans	$ 318	$ 1,358

Loans Receivable, Net and Al_11

Loans Receivable, Net and Allowance for Loan Losses - Summary of Changes in Primary Segments of ALL (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021	Sep. 30, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	$ 18,210	$ 16,141	$ 18,113	$ 15,400
Charge-offs	(39)	(76)	(51)	(325)
Recoveries	37	189	146	279
Provision		900		1,800
Balance, End of period	18,208	17,154	18,208	17,154
Individually evaluated for impairment	71		71		$ 428
Collectively evaluated for impairment	18,137		18,137		17,685
Commercial Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	1,224	904	1,041	874
Charge-offs				(9)
Provision	(401)	866	(218)	905
Balance, End of period	823	1,770	823	1,770
Individually evaluated for impairment	57		57		397
Collectively evaluated for impairment	766		766		644
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	1,261	1,233	1,337	1,192
Provision	261	(491)	185	(450)
Balance, End of period	1,522	742	1,522	742
Collectively evaluated for impairment	1,522		1,522		1,337
Real Estate Loans [Member] | Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	4,098	4,507	4,114	4,301
Charge-offs	(5)	(4)	(10)	(4)
Recoveries		65	72	65
Provision	310	(269)	227	(63)
Balance, End of period	4,403	4,299	4,403	4,299
Individually evaluated for impairment	14		14		17
Collectively evaluated for impairment	4,389		4,389		4,097
Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	241	135	187	127
Provision	4	(18)	58	(10)
Balance, End of period	245	117	245	117
Collectively evaluated for impairment	245		245		187
Real Estate Loans [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	10,607	7,862	10,470	7,209
Charge-offs	(19)		(19)	(76)
Recoveries	6	19	7	36
Provision	(44)	1,062	92	1,774
Balance, End of period	10,550	8,943	10,550	8,943
Individually evaluated for impairment					14
Collectively evaluated for impairment	10,550		10,550		10,456
Obligations of States and Political Subdivisions [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	265	508	393	555
Provision	(19)	(21)	(147)	(68)
Balance, End of period	246	487	246	487
Collectively evaluated for impairment	246		246		393
Home Equity Loans and Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	297	350	318	337
Charge-offs				(8)
Recoveries	2	2	3	3
Provision	11	(15)	(11)	5
Balance, End of period	310	337	310	337
Collectively evaluated for impairment	310		310		318
Auto Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	196	620	232	780
Charge-offs	(15)	(72)	(22)	(227)
Recoveries	29	103	64	175
Provision	(121)	(212)	(185)	(289)
Balance, End of period	89	439	89	439
Collectively evaluated for impairment	89		89		232
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Beginning of period	21	22	21	25
Charge-offs				(1)
Provision	(1)	(2)	(1)	(4)
Balance, End of period	20	$ 20	20	$ 20
Collectively evaluated for impairment	$ 20		$ 20		$ 21

Loans Receivable, Net and Al_12

Loans Receivable, Net and Allowance for Loan Losses - Summary of Troubled Debt Restructurings Granted (Detail) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022USD ($)Contract	Mar. 31, 2021USD ($)Contract	Mar. 31, 2022USD ($)Contract	Mar. 31, 2021USD ($)Contract
Real Estate Loans [Member] | Residential [Member]
Financing Receivable Modifications [Line Items]
Number of Contracts | Contract	2	1	2	1
Pre-Modification Outstanding Recorded Investment	$ 88	$ 75	$ 88	$ 75
Post-Modification Outstanding Recorded Investment	$ 88	$ 75	$ 88	$ 75
Troubled Debt Restructurings [Member]
Financing Receivable Modifications [Line Items]
Number of Contracts | Contract	2	1	2	1
Pre-Modification Outstanding Recorded Investment	$ 88	$ 75	$ 88	$ 75
Post-Modification Outstanding Recorded Investment	$ 88	$ 75	$ 88	$ 75

Deposits - Schedule of Deposits

Deposits - Schedule of Deposits by Major Classifications (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Deposits Liabilities Disclosures [Abstract]
Non-interest bearing demand accounts	$ 291,676	$ 257,747
Interest bearing demand accounts	545,241	551,168
Money market accounts	417,801	428,272
Savings and club accounts	197,936	189,004
Certificates of deposit	168,252	209,924
Total	$ 1,620,906	$ 1,636,115

Net Periodic Benefit Cost-Def_3

Net Periodic Benefit Cost-Defined Benefit Plan - Summary of the Components of Net Periodic Benefit Cost (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Compensation Related Costs [Abstract]
Interest Cost	$ 131	$ 113	$ 256	$ 225
Expected return on plan assets	(339)	(289)	(672)	(578)
Partial settlement	83		221
Amortization of net loss from earlier periods	1	111	2	111
Net periodic benefit income	$ (124)	$ (65)	$ (193)	$ (242)

Equity Incentive Plan - Additio

Equity Incentive Plan - Additional Information (Detail) - USD ($)	Mar. 02, 2016	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Compensation Related Costs Disclosure [Line Items]
Share-based compensation expense				$ 355,000	$ 326,000
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		250,000
Stock Option [Member]
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		$ 93,000	$ 94,000	$ 355,000	$ 326,000
Expected future expense				$ 712,000
Remaining vesting periods				3 years 6 months
Restricted Stock [Member] | Minimum [Member]
Compensation Related Costs Disclosure [Line Items]
Restricted shares vesting period				6 months
Restricted Stock [Member] | Maximum [Member]
Compensation Related Costs Disclosure [Line Items]
Restricted shares vesting period				42 months

Equity Incentive Plan - Schedul

Equity Incentive Plan - Schedule of Restricted Stock Option Activity (Detail) - Restricted Stock [Member]	6 Months Ended
	Mar. 31, 2022$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Restricted Stock, Nonvested at September 30, 2021 | shares	42,116
Number of Restricted Stock, Granted | shares	33,580
Number of Restricted Stock, Vested | shares	(10,617)
Number of Restricted Stock, Forfeited | shares	(5,451)
Number of Restricted Stock, Nonvested at March 31, 2022 | shares	59,628
Weighted-average Grant Date Fair Value, Nonvested at September 30, 2021 | $ / shares	$ 13.99
Weighted-average Grant Date Fair Value, Granted | $ / shares	16.46
Weighted-average Grant Date Fair Value, Vested | $ / shares	16.40
Weighted-average Grant Date Fair Value, Forfeited | $ / shares	14.91
Weighted-average Grant Date Fair Value, Nonvested at March 31, 2022 | $ / shares	$ 14.87

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	Mar. 31, 2022	Sep. 30, 2021
Assets
Total debt securities	$ 163,367	$ 240,581
Fair Value, Measurements, Recurring [Member]
Assets
Total debt securities	163,367	240,581
Equity securities- financial services	33	32
Derivatives and hedging activities	14,597	2,554
Liabilities
Derivatives and hedging activities	4,445	1,755
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
Assets
Total debt securities	72,287	55,068
Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets
Total debt securities	11,404	13,246
Fair Value, Measurements, Recurring [Member] | U.S. Government Treasury Securities [Member]
Assets
Total debt securities		99,997
Fair Value, Measurements, Recurring [Member] | Corporate Obligations [Member]
Assets
Total debt securities	69,742	58,617
Fair Value, Measurements, Recurring [Member] | Other Debt Securities [Member]
Assets
Total debt securities	9,934	11,651
Fair Value, Measurements, Recurring [Member] | U.S. Government Agency Securities [Member]
Assets
Total debt securities		2,002
Fair Value, Measurements, Recurring [Member] | Level I [Member]
Assets
Equity securities- financial services	33	32
Fair Value, Measurements, Recurring [Member] | Level II [Member]
Assets
Total debt securities	152,605	229,469
Derivatives and hedging activities	14,597	2,554
Liabilities
Derivatives and hedging activities	4,445	1,755
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Mortgage-Backed Securities [Member]
Assets
Total debt securities	72,287	55,068
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Obligations of States and Political Subdivisions [Member]
Assets
Total debt securities	11,404	13,246
Fair Value, Measurements, Recurring [Member] | Level II [Member] | U.S. Government Treasury Securities [Member]
Assets
Total debt securities		99,997
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Corporate Obligations [Member]
Assets
Total debt securities	58,980	47,505
Fair Value, Measurements, Recurring [Member] | Level II [Member] | Other Debt Securities [Member]
Assets
Total debt securities	9,934	11,651
Fair Value, Measurements, Recurring [Member] | Level II [Member] | U.S. Government Agency Securities [Member]
Assets
Total debt securities		2,002
Fair Value, Measurements, Recurring [Member] | Level III [Member]
Assets
Total debt securities	10,762	11,112
Fair Value, Measurements, Recurring [Member] | Level III [Member] | Corporate Obligations [Member]
Assets
Total debt securities	$ 10,762	$ 11,112

Fair Value - Schedule of Change

Fair Value - Schedule of Changes in Fair Value of Level III Investments (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Fair Value Disclosures [Abstract]
Beginning balance	$ 10,937	$ 5,388	$ 11,112	$ 8,260
Purchases, sales, issuances, settlements, net	(500)	(750)	(500)	(3,750)
Total unrealized (loss) gain:
Included in other comprehensive (loss) income	(175)	40	(350)	168
Transfers in and/or out of Level III	500		500
Ending balance	$ 10,762	$ 4,678	$ 10,762	$ 4,678

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	Mar. 31, 2022	Sep. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed real estate	$ 85	$ 461
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed real estate	85	461
Impaired loans	4,284	15,122
Level III [Member] | Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed real estate	85	461
Impaired loans	$ 4,284	$ 15,122

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	Mar. 31, 2022USD ($)	Sep. 30, 2021USD ($)
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate	$ 4,284	$ 15,122
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	0.221	0.241
Impaired Loans [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments	0	0
Impaired Loans [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value input appraisal adjustments	0.35	0.50
Foreclosed Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate	$ 85	$ 461
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	0.272	0.201
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	0.20	0.20
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	0.35

Fair Value - Additional Informa

Fair Value - Additional Information (Detail) $ in Thousands	Mar. 31, 2022USD ($)Loan	Sep. 30, 2021USD ($)Loan
Fair Value Disclosures [Abstract]
Number of impaired loans | Loan	53	76
Impaired loans, carrying value	$ 4,400	$ 15,600
Impaired loans, valuation allowance	71	428
Impaired loans, net fair value	$ 4,300	$ 15,100

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	Mar. 31, 2022	Sep. 30, 2021
Financial assets:
Investment securities held to maturity	$ 56,132	$ 21,249
Loans receivable, net	4,300	15,100
Carrying Value [Member]
Financial assets:
Investment securities held to maturity	60,374	21,483
Loans receivable, net	1,340,317	1,340,853
Mortgage servicing rights	820	763
Financial liabilities:
Deposits	1,620,906	1,636,115
Estimated Fair Value [Member]
Financial assets:
Investment securities held to maturity	53,878	21,249
Loans receivable, net	1,317,071	1,353,420
Mortgage servicing rights	1,340	998
Financial liabilities:
Deposits	1,608,294	1,635,851
Estimated Fair Value [Member] | Level 1 [Member]
Financial liabilities:
Deposits	1,452,654	1,426,191
Estimated Fair Value [Member] | Level 3 [Member]
Financial assets:
Investment securities held to maturity	53,878	21,249
Loans receivable, net	1,317,071	1,353,420
Mortgage servicing rights	1,340	998
Financial liabilities:
Deposits	$ 155,640	$ 209,660

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		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	$ 207,619	$ 194,153	$ 201,822	$ 191,397
Ending Balance	212,713	198,608	212,713	198,608
Defined Benefit Pension Plan [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	(1,034)	(3,432)	(1,907)	(3,432)
Other comprehensive (loss) income before reclassifications	(54)		710
Amounts reclassified from accumulated other comprehensive income (loss)	66	(87)	175	(87)
Total other comprehensive income (loss)	12	(87)	885	(87)
Ending Balance	(1,022)	(3,519)	(1,022)	(3,519)
Unrealized Gains (Losses) on Securities Available for Sale [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	1,119	2,993	1,962	3,167
Other comprehensive (loss) income before reclassifications	(4,153)	(510)	(4,996)	(684)
Amounts reclassified from accumulated other comprehensive income (loss)		(329)		(329)
Total other comprehensive income (loss)	(4,153)	(839)	(4,996)	(1,013)
Ending Balance	(3,034)	2,154	(3,034)	2,154
Derivatives [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	2,504	(2,858)	627	(3,791)
Other comprehensive (loss) income before reclassifications	5,392	2,936	7,082	3,342
Amounts reclassified from accumulated other comprehensive income (loss)	131	509	318	1,036
Total other comprehensive income (loss)	5,523	3,445	7,400	4,378
Ending Balance	8,027	587	8,027	587
Accumulated Other Comprehensive (Loss) Income [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	2,589	(3,297)	682	(4,056)
Other comprehensive (loss) income before reclassifications	1,185	2,426	2,796	2,658
Amounts reclassified from accumulated other comprehensive income (loss)	197	93	493	620
Total other comprehensive income (loss)	1,382	2,519	3,289	3,278
Ending Balance	$ 3,971	$ (778)	$ 3,971	$ (778)

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		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Interest expense	$ (693)	$ (1,632)	$ (1,539)	$ (3,632)
Income taxes	(1,177)	(871)	(2,150)	(1,705)
NET INCOME	4,592	4,340	9,205	8,475
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Schedule of Available-for-sale Securities [Line Items]
NET INCOME	(197)	(93)	(493)	(620)
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member] | Unrealized Gains (Losses) on Securities Available for Sale [Member]
Schedule of Available-for-sale Securities [Line Items]
Gain on sale of investment securities available for sale, net		417		417
Income taxes		(88)		(88)
NET INCOME		329		329
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member] | Derivatives [Member]
Schedule of Available-for-sale Securities [Line Items]
Compensation and employee benefits	(84)	111	(223)	111
Income taxes	18	(24)	48	(24)
NET INCOME	(66)	87	(175)	87
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member] | Defined Benefit Pension Plan [Member]
Schedule of Available-for-sale Securities [Line Items]
Interest expense	(166)	(644)	(402)	(1,311)
Income taxes	35	135	84	275
NET INCOME	$ (131)	$ (509)	$ (318)	$ (1,036)

Derivatives and Hedging Activ_2

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 ($)	Mar. 31, 2022	Sep. 30, 2021
Other Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	$ 297,239,000	$ 246,326,000
Fair Values of Derivative Instruments, Asset	14,597,000	2,554,000
Other Liabilities [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	104,606,000	163,831,000
Fair Values of Derivative Instruments, Liability	4,445,000	1,755,000
Brokered Deposits [Member] | Other Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	225,000,000	175,000,000
Fair Values of Derivative Instruments, Asset	10,162,000	1,247,000
Brokered Deposits [Member] | Other Liabilities [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount		60,000,000
Fair Values of Derivative Instruments, Liability		452,000
Commercial Loans [Member] | Other Assets [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	72,239,000	71,326,000
Fair Values of Derivative Instruments, Asset	4,435,000	1,307,000
Commercial Loans [Member] | Other Liabilities [Member]
Derivatives Fair Value [Line Items]
Derivatives, Notional Amount	104,606,000	103,831,000
Fair Values of Derivative Instruments, Liability	$ 4,445,000	$ 1,303,000

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Additional Information (Detail)	3 Months Ended		6 Months Ended
	Mar. 31, 2022USD ($)Contract	Mar. 31, 2021USD ($)	Mar. 31, 2022USD ($)Contract	Mar. 31, 2021USD ($)	Sep. 30, 2021USD ($)
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Interest expense	$ 693,000	$ 1,632,000	$ 1,539,000	$ 3,632,000
Derivative liability, collateral against obligations	0		0		$ 640,000
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Interest expense	166,000	$ 644,000	402,000	$ 1,300,000
Increase (decrease) in accrued interest payable	$ 3,000,000		$ 3,000,000
Designated as Hedging Instrument [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Interest Rate Swaps [Member] | Brokered Certificates [Member] | Variable Rate [Member]
Derivative Instruments And Hedging Activities Disclosures [Line Items]
Derivative, number of instruments | Contract	10		10
Derivative, notional principal amount	$ 225,000,000		$ 225,000,000
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	$ 176,800,000		$ 176,800,000

Derivatives and Hedging Activ_4

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		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Derivative Instruments Gain Loss [Line Items]
Gain (Loss) Recognized in OCI on Derivative	$ 6,826	$ 3,721	$ 8,965	$ 4,235
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	6,992	4,363	9,367	5,546
Gain (Loss) Reclassified from Accumulated OCI into Income	(166)	(644)	(402)	(1,311)
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	6,992	4,363	9,367	5,546
Designated as Hedging Instrument [Member] | Interest Rate Products [Member] | Cash Flow Hedges of Interest Rate Risk [Member] | Interest Expense [Member]
Derivative Instruments Gain Loss [Line Items]
Gain (Loss) Reclassified from Accumulated OCI into Income	$ (166)	$ (644)	$ (402)	$ (1,311)

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

Leases - Additional Information

Leases - Additional Information (Detail)	6 Months Ended
	Mar. 31, 2022
Lease Cost [Abstract]
Lessee operating lease expiration year	2044

Leases - Summary of Balance She

Leases - Summary of Balance Sheet Operating Lease Right-of-Use Assets and Lease Liabilities (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
ASSETS
Operating lease right-of-use assets	$ 6,325	$ 6,222
Operating Lease Right Of Use Asset Statement Of Financial Position Extensible List	Other assets	Other assets
LIABILITIES
Operating lease Liabilities	$ 6,501	$ 6,370
Operating Lease Liability Statement Of Financial Position Extensible List	Other liabilities	Other liabilities

Leases - Summary of Lease Term

Leases - Summary of Lease Term and Discount Rate (Detail)	Mar. 31, 2022
Weighted average remaining lease term
Operating leases	12 years 7 months 6 days
Weighted average discount rate
Operating leases	2.37%

Leases - Summary of Components

Leases - Summary of Components of Lease Cost (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Lease Cost [Abstract]
Operating lease cost	$ 240	$ 264	$ 501	$ 527
Variable lease cost	101	79	180	143
Net lease cost	$ 341	$ 343	$ 681	$ 670

Leases - Summary of Future Mini

Leases - Summary of Future Minimum Lease Payments (Detail) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Lease Cost [Abstract]
March 31, 2023	$ 838
March 31, 2024	802
March 31, 2025	564
March 31, 2026	512
March 31, 2027	454
Thereafter	4,286
Total future minimum lease payments	7,456
Amounts representing interest	955
Present Value of Net Future Minimum Lease Payments	$ 6,501	$ 6,370