First Savings Financial (FSFG) 10-K 16 Dec 19 2019 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2019	Dec. 10, 2019	Mar. 31, 2019
Document And Entity Information [Abstract]
Document Type	10-K
Document Period End Date	Sep. 30, 2019
Entity Registrant Name	FIRST SAVINGS FINANCIAL GROUP, INC.
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Voluntary Filers	No
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Public Float			$ 98.9
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding		2,350,869
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Central Index Key	0001435508
Amendment Flag	false
Trading Symbol	FSFG

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
ASSETS
Cash and due from banks	$ 13,008	$ 14,191
Interest-bearing deposits with banks	28,424	28,083
Total cash and cash equivalents	41,432	42,274
Interest-bearing time deposits	2,265	2,501
Securities available for sale, at fair value	177,302	184,373
Securities held to maturity	2,336	2,607
Loans held for sale, residential mortgage ($80,457 at fair value in 2019; $9,952 at fair value in 2018)	80,457	10,466
Loans held for sale, Small Business Administration	15,613	21,659
Loans, net of allowance for loan losses of $10,040 and $9,323	810,658	704,271
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	13,040	9,621
Premises and equipment	19,238	13,013
Other real estate owned, held for sale	1,893	103
Accrued interest receivable:
Loans	3,329	2,687
Securities	1,712	1,600
Cash surrender value of life insurance	26,546	19,966
Goodwill	9,848	9,848
Core deposit intangibles	1,416	1,727
Other assets	15,494	7,690
Total Assets	1,222,579	1,034,406
Deposits:
Noninterest-bearing	173,072	167,705
Interest-bearing	661,312	643,407
Total deposits	834,384	811,112
Federal Funds Purchased	4,000	0
Repurchase agreements	0	1,352
Borrowings from Federal Home Loan Bank	222,544	90,000
Other borrowings	19,729	19,661
Accrued interest payable	935	743
Advance payments by borrowers for taxes and insurance	1,906	1,218
Accrued expenses and other liabilities	17,824	10,075
Total Liabilities	1,101,322	934,161
EQUITY
Preferred stock of $.01 par value per share; authorized 1,000,000 shares; none issued	0	0
Common stock of $.01 par value per share; authorized 20,000,000 shares; issued 2,565,606 shares (2,560,907 at September 30, 2018); outstanding 2,350,229 shares (2,292,021 shares at September 30, 2018)	26	26
Additional paid-in capital	27,494	27,630
Retained earnings - substantially restricted	91,228	76,523
Accumulated other comprehensive income	7,296	382
Unearned stock compensation	(446)	(479)
Less treasury stock, at cost - 215,377 shares (268,886 shares at September 30, 2018)	(4,545)	(5,269)
Total First Savings Financial Group, Inc. Stockholders' Equity	121,053	98,813
Noncontrolling interests in subsidiary	204	1,432
Total Equity	121,257	100,245
Total Liabilities and Equity	$ 1,222,579	$ 1,034,406

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
CONSOLIDATED BALANCE SHEETS
Loans Held-for-sale, Fair Value Disclosure	$ 80,457	$ 9,952
Loans, net of allowance for loan losses	$ 10,040	$ 9,323
Preferred stock, par value	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized	1,000,000	1,000,000
Preferred Stock, Shares Issued	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, Authorized	20,000,000	20,000,000
Common stock, issued	2,565,606	2,560,907
Common Stock, Outstanding	2,350,229	2,292,021
Treasury stock, shares	215,377	268,886

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
INTEREST INCOME
Loans, including fees	$ 42,697	$ 34,057	$ 27,093
Securities:
Taxable	2,769	3,650	3,315
Tax-exempt	4,030	3,551	3,012
Dividend income	643	465	313
Interest-bearing deposits with banks	856	436	184
Total interest income	50,995	42,159	33,917
INTEREST EXPENSE
Deposits	6,944	4,279	2,762
Federal funds purchased	1	0	23
Repurchase agreements	3	3	3
Borrowings from Federal Home Loan Bank	2,681	2,022	1,669
Other borrowings	1,277	33	0
Total interest expense	10,906	6,337	4,457
Net interest income	40,089	35,822	29,460
Provision for loan losses	1,463	1,353	1,301
Net interest income after provision for loan losses	38,626	34,469	28,159
NONINTEREST INCOME
Service charges on deposit accounts	1,957	1,731	1,355
ATM and interchange fees	1,949	1,580	1,348
Net gain (loss) on sales of available for sale securities and time deposits	(74)	99	30
Net unrealized gain on equity securities	5	0	0
Other than temporary impairment loss on securities	0	(95)	0
Net gain on trading account securities	0	43	200
Net gain on sales of loans, Small Business Administration	4,569	5,493	4,204
Mortgage banking income	33,007	2,318	530
Increase in cash surrender value of life insurance	580	430	433
Gain on life insurance	0	0	189
Commission income	324	550	379
Real estate lease income	594	5	0
Net gain (loss) on premises and equipment	(83)	25	38
Income (loss) on tax credit investment	210	585	(226)
Other income	816	531	145
Total noninterest income	43,854	13,295	8,625
NONINTEREST EXPENSE
Compensation and benefits	42,899	19,730	15,089
Occupancy and equipment	6,094	3,629	2,788
Data processing	1,823	2,425	1,357
Advertising	2,752	808	538
Professional fees	2,342	1,786	1,527
FDIC insurance premiums	312	580	490
Net gain on other real estate owned	(57)	(160)	(113)
Other operating expenses	6,225	4,208	3,275
Total noninterest expense	62,390	33,006	24,951
Income before income taxes	20,090	14,758	11,833
Income tax expense	3,095	2,422	2,520
Net Income	16,995	12,336	9,313
Less: net income attributable to noncontrolling interests	818	1,434	0
Net Income Attributable to First Savings Financial Group, Inc.	$ 16,177	$ 10,902	$ 9,313
Net income per share:
Basic	$ 6.99	$ 4.83	$ 4.20
Net income per common share, diluted	$ 6.82	$ 4.60	$ 3.97
Weighted average shares outstanding:
Basic	2,315,697	2,258,020	2,219,088
Diluted	2,372,084	2,372,554	2,346,008
Dividends per share	$ 0.63	$ 0.59	$ 0.55

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Net Income	$ 16,995	$ 12,336	$ 9,313
Unrealized gains (losses) on securities available for sale:
Unrealized holding gains (losses) arising during the period	8,783	(5,649)	(2,743)
Income tax benefit (expense)	(1,912)	1,257	977
Net of tax amount	6,871	(4,392)	(1,766)
Less: reclassification adjustment for realized (gains) losses included in net income	55	(99)	(30)
Income tax expense (benefit)	(12)	26	10
Net of tax amount	43	(73)	(20)
Less: reclassification adjustment for other-than-temporary impairment loss on securities included in net income	0	95	0
Income tax benefit	0	(25)	0
Net of tax amount	0	70	0
Other Comprehensive Income (Loss)	6,914	(4,395)	(1,786)
Comprehensive Income	23,909	7,941	7,527
Less: comprehensive income attributable to noncontrolling interests	818	1,434	0
Comprehensive Income Attributable to First Savings Financial Group, Inc.	$ 23,091	$ 6,507	$ 7,527

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income	Unearned Stock Compensation	Treasury Stock	Noncontrolling Interests in Subsidiary	Total
Balances at Sep. 30, 2016	$ 25	$ 27,182	$ 59,499	$ 5,944	$ 0	$ (6,070)	$ 0	$ 86,580
Net income	0	0	9,313	0	0	0	0	9,313
Other comprehensive income (loss)	0	0	0	(1,786)	0	0	0	(1,786)
Common stock dividends	0	0	(1,229)	0	0	0	0	(1,229)
Restricted stock grants	0	692	0	0	(692)	0	0	0
Stock compensation expense	0	55	0	0	121	0	0	176
Stock option exercises	0	(131)	0	0	0	486	0	355
Purchase of treasury shares	0	0	0	0	0	(294)	0	(294)
Balances at Sep. 30, 2017	25	27,798	67,583	4,158	571	5,878	0	93,115
Net income	0	0	10,902	0	0	0	1,434	12,336
Other comprehensive income (loss)	0	0	0	(4,395)	0	0	0	(4,395)
Reclassification from AOCI to retained earnings for change in federal tax rate	0	0	(619)	619	0	0	0	0
Common stock dividends	0	0	(1,343)	0	0	0	0	(1,343)
Distributions to noncontrolling interests	0	0	0	0	0	0	(2)	(2)
Restricted stock grants	1	56	0	0	(57)	0	0	0
Stock compensation expense	0	68	0	0	149	0	0	217
Stock option exercises	0	(292)	0	0	0	1,042	0	750
Purchase of treasury shares	0	0	0	0	0	(433)	0	(433)
Balances at Sep. 30, 2018	26	27,630	76,523	382	479	5,269	1,432	100,245
Net income	0	0	16,177	0	0	0	818	16,995
Other comprehensive income (loss)	0	0	0	6,914	0	0	0	6,914
Common stock dividends	0	0	(1,472)	0	0	0	0	(1,472)
Distributions to noncontrolling interests	0	0	0	0	0	0	(2,046)	(2,046)
Restricted stock grants	0	141	0	0	(141)	0	0	0
Stock compensation expense	0	72	0	0	174	0	0	246
Stock option exercises	0	(349)	0	0	0	1,297	0	948
Purchase of treasury shares	0	0	0	0	0	(573)	0	(573)
Balances at Sep. 30, 2019	$ 26	$ 27,494	$ 91,228	$ 7,296	$ (446)	$ (4,545)	$ 204	$ 121,257

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Dividends per common share	$ 0.63	$ 0.59	$ 0.55
Restricted stock grants - shares	2,299	1,000	17,265
Stock option exercises, shares	66,877	55,296	26,858
Purchase of treasury shares, shares	10,968	6,729	6,456

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 16,995	$ 12,336	$ 9,313
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for loan losses	1,463	1,353	1,301
Depreciation and amortization	1,684	1,373	1,164
Amortization of premiums and accretion of discounts on securities, net	477	235	702
Decrease in trading account securities	0	7,175	2,080
Amortization and accretion of fair value adjustments on loans, net	(664)	(517)	(10)
Loans originated for sale	(939,608)	(115,065)	(89,738)
Proceeds on sales of loans	904,692	115,980	75,638
Net realized and unrealized gain on loans held for sale	(29,753)	(7,080)	(4,734)
Net realized and unrealized gain on other real estate owned	(78)	(215)	(170)
Net (gain) loss on sales of available for sale securities and time deposits	74	(99)	(30)
Net gain on equity securities	(5)	0	0
Other than temporary impairment loss on securities	0	95	0
Gain on life insurance	0	0	(189)
Increase in cash surrender value of life insurance	(580)	(430)	(433)
Net gain on sale of premises and equipment	(31)	(25)	(38)
(Income) loss on tax credit investment	(210)	(585)	226
Deferred income taxes	507	235	1,836
Stock compensation expense	246	217	176
Increase in accrued interest receivable	(754)	(562)	(592)
Increase in accrued interest payable	192	459	88
Change in other assets and liabilities, net	628	3,085	1,181
Net Cash Provided By (Used In) Operating Activities	(44,725)	17,965	(2,229)
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits	(1,085)	(980)	(455)
Proceeds from sales and maturities of interest-bearing time deposits	838	4,734	1,120
Purchase of securities available for sale	(24,448)	(50,020)	(32,005)
Proceeds from sales of securities available for sale	13,948	58,116	4,255
Proceeds from maturities of securities available for sale	7,710	2,625	3,665
Proceeds from maturities of securities held to maturity	240	227	208
Principal collected on securities	18,180	16,875	17,103
Net increase in loans	(108,847)	(85,798)	(71,583)
Purchase of Federal Reserve Bank stock	(634)	0	0
Proceeds from redemption of Federal Reserve Bank stock	0	21	0
Purchase of Federal Home Loan Bank stock	(2,785)	(2,562)	0
Investment in cash surrender value of life insurance	(6,000)	0	0
Proceeds from life insurance	0	540	0
Investment in historic tax credit entity	0	0	(344)
Proceeds from sale of other real estate owned	178	606	208
Purchase of premises and equipment	(9,496)	(1,594)	(426)
Proceeds from sales of premises and equipment	74	51	19
Net cash received in the acquisition of Dearmin Bancorp and FNBO	0	6,667	0
Net Cash Used In Investing Activities	(112,127)	(50,492)	(78,235)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	23,272	49,965	89,915
Net increase in federal funds purchased	4,000	0	0
Net increase (decrease) in repurchase agreements	(1,352)	4	3
Increase (decrease) in Federal Home Loan Bank line of credit	12,544	(18,065)	(3,568)
Proceeds from Federal Home Loan Bank advances	310,000	224,500	15,000
Repayment of Federal Home Loan Bank advances	(190,000)	(234,500)	(15,000)
Net proceeds from subordinated note	0	19,661	0
Net increase in advance payments by borrowers for taxes and insurance	688	6	198
Proceeds from exercise of stock options	408	362	62
Taxes paid on stock award shares for employees	(32)	(46)	0
Dividends paid on common stock	(1,472)	(1,343)	(1,229)
Distributions to noncontrolling interests	(2,046)	(2)	0
Net Cash Provided By Financing Activities	156,010	40,542	85,381
Net Increase (Decrease) in Cash and Cash Equivalents	(842)	8,015	4,917
Cash and cash equivalents at beginning of year	42,274	34,259	29,342
Cash and Cash Equivalents at End of Year	$ 41,432	$ 42,274	$ 34,259

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Sep. 30, 2019
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	(1) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations First Savings Financial Group, Inc. (the “Company”) is a financial holding company and the parent of First Savings Bank (the “Bank”) and First Savings Insurance Risk Management, Inc. (the “Captive”). The Bank, which is a wholly-owned Indiana-chartered commercial bank subsidiary of the Company, provides a variety of banking services to individuals and business customers through 16 locations in southern Indiana. The Bank attracts deposits primarily from the general public and uses those funds, along with other borrowings, primarily to originate residential mortgage, commercial mortgage, construction, commercial business and consumer loans, and to a lesser extent, to invest in mortgage-backed securities and other securities. The Bank has two wholly owned subsidiaries: First Savings Investments, Inc., a Nevada corporation that manages a securities portfolio and Southern Indiana Financial Corporation, which is currently inactive. At September 30, 2016, the Bank had a third wholly owned subsidiary, FFCC, Inc. (“FFCC”), which was an Indiana corporation that participated in commercial real estate development and leasing. In accordance with the Plan of Complete Liquidation adopted by FFCC’s board of directors and approval by the Bank as its sole shareholder on December 21, 2016, FFCC voluntarily dissolved and completely liquidated effective December 31, 2016. As a result of the liquidation, FFCC distributed its net assets to the Bank on December 31, 2016. On April 25, 2017, the Bank formed Q2 Business Capital, LLC (“Q2”), which is an Indiana limited liability company that specializes in the origination and servicing of U.S. Small Business Administration (“SBA”) loans. The Bank owns 51% of Q2 with the option to purchase the minority interest between July 1, 2020 and September 30, 2020. In accordance with Q2’s operating agreement, the Bank was allocated the first $1.7 million of cumulative net income of Q2 with any additional profits and losses allocated 51% to the Bank and 49% to Q2’s minority members. The Captive, which is a wholly-owned insurance subsidiary of the Company, is a Nevada corporation that provides property and casualty insurance to the Company, the Bank and the Bank’s active subsidiaries. In addition, the Captive provides reinsurance to 11 other third-party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace. Basis of Consolidation and Reclassifications The consolidated financial statements include the accounts of the Company and its subsidiaries and have been prepared in accordance with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. Intercompany balances and transactions have been eliminated. Certain prior year amounts have been reclassified to conform to the current year presentation. The reclassifications had no effect on net income or stockholders’ equity. Statements of Cash Flows For purposes of the statements of cash flows, the Company has defined cash and cash equivalents as cash on hand, amounts due from banks (including cash items in process of clearing), interest-bearing deposits with other banks having an original maturity of 90 days or less and money market funds. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate and other assets acquired in connection with foreclosures or in satisfaction of loans. In connection with the determination of the allowances for loan losses and the valuation of other real estate owned, management obtains independent appraisals for significant properties. A substantial portion of the Bank’s loan portfolio consists of single-family residential and commercial real estate loans to customers in the southern Indiana and Louisville, Kentucky metropolitan area. Accordingly, the ultimate collectability of a substantial portion of the Bank’s loan portfolio and the recovery of the carrying amount of other real estate owned are susceptible to changes in local market conditions. While management uses available information to recognize losses on loans and other real estate owned, further reductions in the carrying amounts of loans and other real estate owned may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans and other real estate owned. Such agencies may require the Company to recognize additional losses based on their judgments about information available to them at the time of their examination. Because of these factors, it is reasonably possible the estimated losses on loans and other real estate owned may change materially in the near term. However, the amount of the change that is reasonably possible cannot be estimated. Investment Securities Trading Account Securities : Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The net realized and unrealized gains and losses on trading account securities are reported in noninterest income. Realized gains and losses on trading account securities are determined using the specific identification method. Securities Available for Sale : Securities available for sale consist primarily of municipal obligations, mortgage-backed securities and collateralized mortgage obligations (“CMOs”), and are stated at fair value. The Company holds municipal bonds issued by municipal governments within the U.S.; mortgage-backed securities and CMOs issued by the Government National Mortgage Association (“GNMA”), a U.S. government agency, and the Federal National Mortgage Association (“FNMA”) and the Federal Home Loan Mortgage Corporation (“FHLMC”), government-sponsored enterprises; debt securities issued by government-sponsored enterprises; and privately-issued CMOs and asset-backed securities (“ABSs”). The Company also holds pass-through asset-backed securities guaranteed by the SBA representing participating interests in pools of long-term debentures issued by state and local development companies certified by the SBA. Mortgage-backed securities represent participating interests in pools of long-term first mortgage loans originated and serviced by issuers of the securities. CMOs and ABSs are complex mortgage-backed securities that restructure the cash flows and risks of the underlying mortgage collateral. Amortization of premiums and accretion of discounts are recognized in interest income using methods approximating the interest method over the period to maturity, adjusted for anticipated prepayments. Unrealized gains and losses, net of tax, on securities available for sale are included in other comprehensive income and the accumulated unrealized holding gains and losses are reported as a separate component of equity until realized. Realized gains and losses on the sale of securities available for sale are determined using the specific identification method and are included in other noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Securities Held to Maturity : Debt securities for which the Company has the positive intent and ability to hold to maturity are reported at cost, adjusted for amortization of premiums and accretion of discounts that are recognized in interest income using methods approximating the interest method over the period to maturity, adjusted for anticipated prepayments. The Company classifies certain mortgage-backed securities and municipal obligations as held to maturity. Declines in the fair value of individual available for sale and held to maturity securities below their amortized cost that are other than temporary result in write-downs of the individual securities to their fair value. The related write-downs are included in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than amortized cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment for a period of time sufficient to allow for any anticipated recovery in fair value. Equity Securities : Equity securities, other than restricted securities such as Federal Reserve Bank (“FRB”) and Federal Home Loan Bank of Indianapolis (“FHLB”) stock, are carried at fair value, with changes in fair value included in earnings. Equity securities without readily determinable fair values are carried at cost, minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or similar investment of the same issuer. Dividends received from equity securities, other than restricted securities such as FRB and FHLB stock, are included in other noninterest income. Investments in non-marketable equity securities such as FRB stock and FHLB stock are carried at cost and are classified as restricted securities. Both cash and stock dividends received from these investments are included in dividend income. Impairment testing on these investments is based on applicable accounting guidance and the cost basis is reduced when impairment is deemed to be other-than-temporary. Loans Held for Sale Prior to July 1, 2018, residential mortgage loans originated and intended for sale in the secondary market were carried at the lower of aggregate cost or market value. Aggregate market value was determined based on the quoted prices under a “best efforts” sales agreement with a third party. Effective July 1, 2018, the Company elected to record residential mortgage loans held for sale at fair value in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 825‑10. Net unrealized gains and losses are included in mortgage banking income in the accompanying consolidated statements of income. Realized gains on sales of residential mortgage loans are determined using the specific identification method and are included in mortgage banking income. The Bank originates loans to customers under the SBA 7(a) and other programs that generally provide for SBA guarantees of 75% to 90% of each loan. The Bank intends to sell the guaranteed portion of the SBA loans. The guaranteed portion of the SBA loans was classified as loans held for sale at September 30, 2019 and 2018. At September 30, 2019 and 2018, SBA loans held for sale totaling $15.6 million and $21.7 million, respectively, were carried at the lower of aggregate cost or fair value. Realized gains and losses on sales of SBA loans held for sale are determined based on the allocation of participating interests sold and retained and are included in net gain on sales of SBA loans in the accompanying consolidated statements of income. Direct loan origination costs and fees related to SBA loans held for sale are deferred upon origination and are recognized as an adjustment to the gain or loss on the date of sale. SBA loans held for sale are sold on a servicing retained basis. Transfers of Financial Assets The Company accounts for transfers and servicing of financial assets in accordance with FASB ASC 860, Transfers and Servicing . Transfers of financial assets are accounted for as sales only when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free from conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Transfers of a portion of a loan must meet the criteria of a participating interest. If it does not meet the criteria of a participating interest, the transfer must be accounted for as a secured borrowing. In order to meet the criteria for a participating interest, all cash flows from the loan must be divided proportionately, the rights of each loan holder must have the same priority, and the loan holders must have no recourse to the transferor other than standard representations and warranties and no loan holder has the right to pledge or exchange the entire loan. The Company sells financial assets in the normal course of business, the majority of which are related to the SBA-guaranteed portion of loans, residential mortgage loan sales through established programs, and commercial loan sales through participation agreements. In accordance with accounting guidance for asset transfers, the Company considers any ongoing involvement with transferred assets in determining whether the assets can be derecognized from the balance sheet. With the exception of servicing and certain performance-based guarantees, the Company’s continuing involvement with financial assets sold is minimal and generally limited to market customary representation and warranty clauses. When the Company sells financial assets, it may retain servicing rights and/or other interests in the financial assets. The gain or loss on sale depends on the previous carrying amount of the transferred financial assets, the servicing right recognized, and the consideration received and any liabilities incurred in exchange for the transferred assets. Upon transfer, any servicing assets and other interests held by the Company are carried at the lower of cost or fair value , with the exception of mortgage servicing rights related to sales of residential mortgage loans, which are carried at fair value. Loans and Allowance for Loan Losses Loans Held for Investment Loans are stated at unpaid principal balances, less net deferred loan fees and the allowance for loan losses. Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of deferred loan fees is discontinued when a loan is placed on nonaccrual status. Nonaccrual Loans The recognition of income on a loan is discontinued and previously accrued interest is reversed when interest or principal payments become 90 days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income on nonaccrual loans is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss is considered remote. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. Loan Charge-Offs For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs of loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 45 days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon when the carrying value of the loan exceeds the property’s fair value, less estimated costs to sell. Allowance for Loan Losses The allowance for loan losses reflects management’s judgment of probable incurred loan losses at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company evaluates the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment. A specific reserve is established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan is lower than the carrying value of that loan. The general component covers loans not considered to be impaired. Such loans are pooled by segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 60‑month period. Prior to 2017, management used a 36‑month historical loss period as the basis for its allowance for loan losses methodology. However, based on the Company’s loss history and changes in the loan portfolio, management determined that a 60‑month historical loss history was appropriate and updated its methodology in 2017. The Company's historical loss experience is then adjusted for qualitative factors that are reviewed on a quarterly basis based on the risks present for each portfolio segment. Management considers changes and trends in the following qualitative loss factors: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in the volume and term of new loan originations; national and local economic trends and conditions; changes in lending policies, procedures and practices; changes in the experience and ability of lending management and other staff; changes in the quality and depth of the Company's loan review system; trends in collateral valuation in the Company’s lending area; and other factors as determined by management. Each qualitative factor is evaluated and a qualitative factor adjustment is applied to the actual historical loss factors in determining the adjusted loss factors used in management’s allowance for loan losses adequacy calculation. Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary. The following portfolio segments are considered in the allowance for loan loss analysis: residential real estate, commercial real estate, multi-family residential real estate, construction, land and land development, commercial business and consumer. Residential real estate loans primarily consist of loans to individuals for the purchase or refinance of their primary residence, with a small portion of the segment secured by non-owner-occupied residential investment properties. The risks associated with residential real estate loans are closely correlated to the local housing market and general economic conditions, as repayment of the loans is primarily dependent on the borrower’s or tenant’s personal cash flow and employment status. Commercial real estate loans are comprised of loans secured by various types of collateral including office buildings, warehouses, retail space and mixed use buildings located in the Company’s primary lending area and in other states. Risks related to commercial real estate lending are related to the market value of the property taken as collateral, the underlying cash flows and general economic conditions. Repayment of these loans is generally dependent on the ability of the borrower to attract tenants at lease rates that provide for adequate debt service and can be impacted by general economic conditions, which impact vacancy rates. The Company generally obtains loan guarantees from financially capable parties for commercial real estate loans. Multi-family residential real estate loans primarily consist of loans secured by apartment buildings and other multi-tenant developments generally located in the Company’s primary lending area. Repayment of these loans is primarily dependent on the borrower’s ability to attract tenants and collect rents that provide for adequate debt service. The risks associated with these loans are closely correlated to the local housing market and general economic conditions. Construction loans consist of single-family residential properties, multi-family properties and commercial projects, and include both owner-occupied and speculative investment properties. Risks inherent in construction lending are related to the market value of the property held as collateral, the cost and timing of constructing or improving a property, the borrower’s ability to use funds generated by a project to service a loan until a project is completed, movements in interest rates and the real estate market during the construction phase, and the ability of the borrower to obtain permanent financing. Land and land development loans primarily consist of loans secured by farmland and vacant land held for long-term investment or development. The risks associated with land and land development loans are related to the market value of the property taken as collateral and the underlying cash flows for loans secured by farmland, and general economic conditions. Commercial business loans include lines of credit to businesses, term loans and letters of credit secured by business assets such as equipment, accounts receivable, inventory, or other assets excluding real estate and are generally made to finance capital expenditures or fund operations. Commercial loans contain risks related to the value of the collateral securing the loan and the repayment is primarily dependent upon the financial success and viability of the borrower. As with commercial real estate loans, the Company generally obtains loan guarantees from financially capable parties for commercial business loans. Consumer loans consist primarily of home equity lines of credit and other loans secured by junior liens on the borrower’s personal residence, home improvement loans, automobile and truck loans, boat loans, mobile home loans, loans secured by savings deposits and other personal loans. The risks associated with these loans are related to the local housing market and local economic conditions including the unemployment level. Other than the change from a 36‑month historical loss period to a 60‑month historical loss period in 2017 discussed above, there were no significant changes to the Company’s accounting policies or methodology used to estimate the allowance for loan losses during the years ended September 30, 2019, 2018, and 2017. Impaired Loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either 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. Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, costs to complete unfinished or repair damaged property and other known defects. New appraisals are generally obtained for all significant properties when a loan is identified as impaired. Generally, a property is considered significant if the value of the property is estimated to exceed $250,000. Subsequent appraisals are obtained as needed or if management believes there has been a significant change in the market value of a collateral property securing an impaired loan. In instances where it is not deemed necessary to obtain a new appraisal, management would base its impairment and allowance for loan loss analysis on the original appraisal with adjustments for current conditions based on management’s assessment of market factors and management’s inspection of the property. Troubled Debt Restructurings The modification of a loan is considered to be a troubled debt restructuring (“TDR”) if the debtor is experiencing financial difficulties and the Company grants a concession to the debtor that it would not otherwise consider. By granting the concession, the Company expects to obtain more cash or other value from the debtor, or to increase the probability of receipt, than would be expected by not granting the concession. The concession may include, but is not limited to, reduction of the stated interest rate of the loan, reduction of accrued interest, extension of the maturity date or reduction of the face amount of the debt. A concession will be granted when, as a result of the restructuring, the Company does not expect to collect all amounts due, including interest at the original stated rate. A concession may also be granted if the debtor is not able to access funds elsewhere at a market rate for debt with similar risk characteristics as the restructured debt. The Company’s determination of whether a loan modification is a TDR considers the individual facts and circumstances surrounding each modification. A TDR can involve loans remaining on nonaccrual, moving to nonaccrual or continuing on accrual status, depending on the individual facts and circumstances of the borrower. Generally, a nonaccrual loan that is restructured in a TDR remains on nonaccrual status for a period of at least six months following the restructuring in order to ensure that the borrower performs in accordance with the restructured terms, including consistent and timely payments of at least six consecutive months according to the restructured terms. Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. The Company uses the straight line method of computing depreciation at rates adequate to amortize the cost of the applicable assets over their estimated useful lives. Maintenance and repairs are expensed as incurred. The cost and related accumulated depreciation of assets sold, or otherwise disposed of, are removed from the related accounts and any gain or loss is included in earnings. Other Real Estate Owned Other real estate owned includes formally foreclosed property, property obtained via a deed in lieu of foreclosure and former banking facilities held for sale. At the time of acquisition, foreclosed real estate is recorded at its fair value, less estimated costs to sell, which becomes the property’s new cost basis. Any write-downs based on the property’s fair value at the date of acquisition are charged to the allowance for loan losses. After acquisition or the decision to classify property as held for sale, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value, less estimated costs to sell. Costs incurred in maintaining other real estate owned and subsequent impairment adjustments to the carrying amount of a property, if any, are included in noninterest expense. Cash Surrender Value of Life Insurance The Bank has purchased life insurance policies on certain directors, officers and key employees to help offset costs associated with the Bank’s compensation and benefit programs. The Bank is the owner and is a joint or sole beneficiary of the policies. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Income from the increase in cash surrender value of the policies and income from the recognition of death benefits is reported in noninterest income. Goodwill and Other Intangibles Goodwill recognized in a business combination represents the excess of the fair value of consideration transferred over the fair value of assets acquired and liabilities assumed. Goodwill is evaluated for possible impairment at least annually or more frequently upon the occurrence of an event or change in circumstances that would more likely than not reduce the fair value of the reporting unit below its carrying amount. Such circumstances could include, but are not limited to: (1) a significant adverse change in legal factors or in business climate, (2) unanticipated competition, or (3) an adverse action or assessment by a regulator. Other intangible assets consist of acquired core deposit intangibles. Core deposit intangibles are amortized over the estimated economic lives of the acquired core deposits. The carrying amount of core deposit intangibles and the remaining estimated economic life are evaluated annually or whenever events or circumstances indicate the carrying amount may not be recoverable or the remaining period of amortization requires revision. Derivative Financial Instruments In connection with the origination of residential mortgage loans to be sold in the secondary market, the Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to

ACQUISITION OF DEARMIN BANCORP

ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON	12 Months Ended
	Sep. 30, 2019
ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON
ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON	(2) ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON On February 9, 2018, the Company acquired Dearmin Bancorp, Inc. (“Dearmin”) and its majority owned subsidiary, The First National Bank of Odon (“FNBO”), a full service community bank located in Odon, Indiana. The acquisition expanded the Company’s presence into Daviess County, Indiana. The Company expects to benefit from growth in this market area as well as from expansion of the banking services provided to the existing customers of FNBO. Cost savings are also expected for the combined bank through economies of scale, efficiencies and the consolidation of business operations. Pursuant to the terms of the merger agreement, FNBO stockholders received $265.00 in cash for each share of FNBO common stock for total cash consideration of $10.6 million. Under the acquisition method of accounting, the purchase price is assigned to the assets acquired and liabilities assumed based on their estimated fair values, net of applicable income tax effects. In accounting for the acquisition, the excess of cost over the fair value of the acquired net assets of $1.9 million has been recorded as goodwill. Transaction and integration costs related to the acquisition totaling $1.3 million and $166,000 were expensed as incurred during the years ended September 30, 2018 and 2017, respectively. No transaction and integration costs were recognized for the year ended September 30, 2019. Following is a condensed balance sheet providing the estimated fair values of the assets acquired and the liabilities assumed as of the date of acquisition: (In thousands) Cash and due from banks $ 1,310 Interest-bearing deposits with banks 15,957 Interest-bearing time deposits with banks 3,817 Investment securities 39,978 Loans, net 34,467 Premises and equipment 1,125 Goodwill arising in the acquisition 1,912 Core deposit intangible 1,487 Other assets 2,890 Total assets acquired 102,943 Deposit accounts 91,765 Net deferred tax liabilities 205 Other liabilities 373 Total liabilities assumed 92,343 Total consideration $ 10,600 In accounting for the acquisition, $1.5 million was assigned to a core deposit intangible which is amortized over a weighted-average estimated economic life of 9.1 years. It is not anticipated that the core deposit intangible will have a significant residual value. No amount of the goodwill or core deposit intangible arising in the acquisition is deductible for income tax purposes. FASB ASC 310‑30, Loans and Debt Securities Acquired with Deteriorated Credit Quality , applies to a loan with evidence of deterioration of credit quality since origination, acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. On the acquisition date, no loans were identified with evidence of deterioration of credit quality since origination. Loans acquired not subject to ASC 310‑30 included non-impaired loans with a fair value of $34.5 million and gross contractual amounts receivable of $41.5 million at the date of acquisition.

RESTRICTION ON CASH AND DUE FRO

RESTRICTION ON CASH AND DUE FROM BANKS	12 Months Ended
	Sep. 30, 2019
RESTRICTION ON CASH AND DUE FROM BANKS
RESTRICTION ON CASH AND DUE FROM BANKS	(3) RESTRICTION ON CASH AND DUE FROM BANKS The Bank is required to maintain reserve balances on hand and with the Federal Reserve Bank, which are unavailable for investment but are interest-bearing. The average amount of those reserve balances was approximately $20.3 million, $17.4 million, and $12.9 million for the years ended September 30, 2019, 2018, and 2017, respectively.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Sep. 30, 2019
INVESTMENT SECURITIES
INVESTMENT SECURITIES	(4) INVESTMENT SECURITIES Investment securities have been classified according to management’s intent. Trading Account Securities Prior to June 30, 2018, the Company invested in small and medium lot, investment grade municipal bonds through a managed brokerage account. The brokerage account was managed by an investment advisory firm registered with the U.S. Securities and Exchange Commission. The trading account portfolio was liquidated in June 2018. The following is a summary of the reported net gains on trading account securities for the years ended September 30, 2018 and 2017: (In thousands) 2018 2017 Net realized gain on sales $ 43 $ 229 Net unrealized loss on securities held as of the balance sheet date — (29) Net gain on trading account securities $ 43 $ 200 Securities Available for Sale and Held to Maturity The amortized cost of securities available for sale and held to maturity and their approximate fair values are as follows: Gross Gross Amortized Unrealized Unrealized Fair (In thousands) Cost Gain Losses Value September 30, 2019: Securities available for sale: Agency mortgage-backed $ 13,743 $ 366 $ 12 $ 14,097 Agency CMO 8,834 221 7 9,048 Privately-issued CMO 1,242 142 2 1,382 Privately-issued ABS 1,022 156 — 1,178 SBA certificates 1,119 41 6 1,154 Municipal bonds 141,995 8,465 17 150,443 Total securities available for sale $ 167,955 $ 9,391 $ 44 $ 177,302 Securities held to maturity: Agency mortgage-backed $ 102 $ 7 $ — $ 109 Municipal bonds 2,234 327 — 2,561 Total securities held to maturity $ 2,336 $ 334 $ — $ 2,670 Gross Gross Amortized Unrealized Unrealized Fair (In thousands) Cost Gain Losses Value September 30, 2018: Securities available for sale: Agency mortgage-backed $ 31,686 $ 90 $ 646 $ 31,130 Agency CMO 10,754 — 313 10,441 Privately-issued CMO 1,434 148 3 1,579 Privately-issued ABS 1,538 346 — 1,884 SBA certificates 1,305 53 7 1,351 Municipal bonds 137,144 2,189 1,345 137,988 Total securities available for sale $ 183,861 $ 2,826 $ 2,314 $ 184,373 Securities held to maturity: Agency mortgage-backed $ 134 $ 8 $ — $ 142 Municipal bonds 2,473 281 — 2,754 Total securities held to maturity $ 2,607 $ 289 $ — $ 2,896 The amortized cost and fair value of available for sale and held to maturity debt securities as of September 30, 2019 by contractual maturity are shown below. Expected maturities of mortgage and other asset-backed securities may differ from contractual maturities because the mortgages and other assets underlying the obligations may be prepaid without penalty. Available for Sale Held to Maturity Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value Due within one year $ 2,676 $ 2,713 $ 248 $ 278 Due after one year through five years 23,170 23,846 1,006 1,139 Due after five years through ten years 28,248 29,955 779 907 Due after ten years 87,901 93,929 201 237 CMO 10,076 10,430 — — ABS 1,022 1,178 — — SBA certificates 1,119 1,154 — — Mortgage-backed securities 13,743 14,097 102 109 $ 167,955 $ 177,302 $ 2,336 $ 2,670 Information pertaining to securities with gross unrealized losses at September 30, 2019 and 2018, aggregated by investment category and the length of time that individual securities have been in a continuous loss position, follows: Number of Gross Investment Fair Unrealized (Dollars in thousands) Positions Value Losses September 30, 2019: Securities available for sale: Continuous loss position less than twelve months: Agency mortgage-backed 3 $ 1,248 $ 1 Agency CMO 1 1,962 1 Municipal bonds 3 1,694 16 Total less than twelve months 7 4,904 18 Continuous loss position more than twelve months: Agency mortgage-backed 2 785 11 Agency CMO 2 956 6 Privately-issued CMO 1 33 2 SBA certificates 1 451 6 Municipal bonds 1 140 1 Total more than twelve months 7 2,365 26 Total securities available for sale 14 $ 7,269 $ 44 September 30, 2018: Securities available for sale: Continuous loss position less than twelve months: Agency mortgage-backed 15 $ 14,814 $ 313 Agency CMO 4 2,560 54 Municipal bonds 93 44,162 944 Total less than twelve months 112 61,536 1,311 Continuous loss position more than twelve months: Agency mortgage-backed 11 9,283 333 Agency CMO 9 7,881 259 Privately-issued CMO 1 37 3 SBA certificates 1 617 7 Municipal bonds 8 6,106 401 Total more than twelve months 30 23,924 1,003 Total securities available for sale 142 $ 85,460 $ 2,314 At September 30, 2019 and 2018, the Company did not have any securities held to maturity with an unrealized loss. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. The total available for sale debt securities in loss positions at September 30, 2019, which consisted of U.S. government agency mortgaged-backed, agency CMOs, privately-issued CMOs, SBA certificates, and municipal bonds, had depreciated approximately 0.60% from the Company’s amortized cost basis and are fixed and variable rate securities with a weighted-average yield of 2.20% and a weighted-average coupon rate of 2.93% at September 30, 2019. All of the agency and municipal securities are issued by U.S. government-sponsored enterprises and municipal governments, and are generally secured by first mortgage loans and municipal project revenues. The Company evaluates the existence of a potential credit loss component related to the decline in fair value of the privately-issued CMO and ABS portfolios each quarter using an independent third party analysis. At September 30, 2019, the Company held 12 privately-issued CMO and ABS securities acquired in a 2009 bank acquisition with an aggregate amortized cost of $1.1 million and fair value of $1.2 million that have been downgraded to a substandard regulatory classification due to a downgrade of the security’s credit quality rating by various rating agencies. At September 30, 2019, one privately-issued CMO was in a loss position and had depreciated approximately 5.71% from the Company’s carrying value and was collateralized by residential mortgage loans. This security had a total fair value of $33,000 and a total unrealized loss of $2,000 at September 30, 2019, and was rated below investment grade by various rating agencies. Based on the independent third party analysis of the expected cash flows, management has determined that the decline in fair value for this security is temporary and, as a result, no other-than-temporary impairment is required to be recognized. While the Company does not anticipate additional credit-related impairment losses at September 30, 2019, additional deterioration in market and economic conditions may have an adverse impact on the credit quality in the future and therefore, require additional credit-related impairment charges. There were no other-than-temporary write-downs charged to earnings during the fiscal years ended September 30, 2019 and 2017. During the fiscal year ended September 30, 2018, the Company recognized an other-than-temporary write-down charge to earnings of $95,000 representing the total amortized cost of a privately-issued CMO. The security was determined to be other-than-temporarily impaired and the Company does not anticipate recovering its investment in the security. The unrealized losses on U.S. government agency mortgage-backed securities and CMOs, SBA certificates and municipal bonds relate principally to current interest rates for similar types of securities. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government, its agencies, or other governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. As management has the ability to hold debt securities to maturity, or for the foreseeable future if classified as available for sale, no declines are deemed to be other-than-temporary. The following is a summary of the reported gross gains and losses on sales of available for sale securities and time deposits for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Gross realized gains on sales $ 68 $ 119 $ 96 Gross realized losses on sales (142) (20) (66) Net realized gain (loss) on sales of available for sale securities and time deposits $ (74) $ 99 $ 30 Certain available for sale debt securities were pledged under repurchase agreements and to secure FHLB borrowings at September 30, 2019 and 2018, and may be pledged to secure federal funds borrowings (see Notes 11, 12 and 13). At September 30, 2019 and 2018, there were no holdings of securities of any one issuer, other than the U.S government and its agencies, with an aggregate book value greater than 10% of the Company’s consolidated stockholders’ equity.

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Sep. 30, 2019
LOANS AND ALLOWANCE FOR LOAN LOSSES
LOANS AND ALLOWANCE FOR LOAN LOSSES	(5) LOANS AND ALLOWANCE FOR LOAN LOSSES Loans at September 30, 2019 and 2018 consisted of the following: (In thousands) 2019 2018 Real estate mortgage: 1-4 family residential $ 198,067 $ 195,274 Commercial 436,020 343,498 Multifamily residential 38,226 28,814 Residential construction 12,545 19,527 Commercial construction 6,995 8,669 Land and land development 10,536 10,504 Commercial business 73,034 67,786 Consumer: Home equity 28,651 24,635 Auto 13,347 11,720 Other consumer 2,663 2,918 Total loans 820,084 713,345 Deferred loan origination fees and costs, net 614 249 Allowance for loan losses (10,040) (9,323) Loans, net $ 810,658 $ 704,271 At September 30, 2019 and 2018, the net unamortized premium on loans acquired from other financial institutions was $339,000 and $413,000, respectively. The Bank has entered into loan transactions with certain directors, officers and their affiliates (related parties). In the opinion of management, such indebtedness was incurred in the ordinary course of business on substantially the same terms as those prevailing at the time for comparable transactions with other persons and does not involve more than normal risk of collectability or present other unfavorable features. The following is a summary of activity for related party loans for the years ended September 30, 2019 and 2018: (In thousands) 2019 2018 Beginning balance $ 8,231 $ 10,299 New loans and advances 3,906 2,521 Repayments (2,875) (4,515) Reclassifications due to officer and director changes (147) (74) Ending balance $ 9,115 $ 8,231 Off-balance-sheet commitments (including commitments to make loans, unused lines of credit and letters of credit) to related parties at September 30, 2019 and 2018 were $2.4 million and $2.6 million, respectively. The following table provides the components of the recorded investment in loans as of September 30, 2019: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) Recorded Investment in Loans: Principal loan balance $ 198,067 $ 436,020 $ 38,226 $ 19,540 $ 10,536 $ 73,034 $ 44,661 $ 820,084 Accrued interest receivable 627 1,922 99 117 29 448 87 3,329 Net deferred loan origination fees and costs (98) 408 (33) 3 (1) 366 (31) 614 Recorded investment in loans $ 198,596 $ 438,350 $ 38,292 $ 19,660 $ 10,564 $ 73,848 $ 44,717 $ 824,027 Recorded Investment in Loans as Evaluated for Impairment: Individually evaluated for impairment $ 4,448 $ 7,647 $ — $ — $ — $ 105 $ 234 $ 12,434 Collectively evaluated for impairment 194,148 430,703 38,292 19,660 10,564 73,743 44,483 811,593 Recorded investment in loans $ 198,596 $ 438,350 $ 38,292 $ 19,660 $ 10,564 $ 73,848 $ 44,717 $ 824,027 The following table provides the components of the recorded investment in loans as of September 30, 2018: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) Recorded Investment in Loans: Principal loan balance $ 195,274 $ 343,498 $ 28,814 $ 28,196 $ 10,504 $ 67,786 $ 39,273 $ 713,345 Accrued interest receivable 589 1,403 81 156 24 365 69 2,687 Net deferred loan origination fees and costs (62) 104 (30) (5) (4) 275 (29) 249 Recorded investment in loans $ 195,801 $ 345,005 $ 28,865 $ 28,347 $ 10,524 $ 68,426 $ 39,313 $ 716,281 Recorded Investment in Loans as Evaluated for Impairment: Individually evaluated for impairment $ 5,107 $ 7,719 $ — $ — $ 27 $ 231 $ 243 $ 13,327 Collectively evaluated for impairment 190,694 337,286 28,865 28,347 10,497 68,195 39,070 702,954 Recorded investment in loans $ 195,801 $ 345,005 $ 28,865 $ 28,347 $ 10,524 $ 68,426 $ 39,313 $ 716,281 The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2019 and 2018: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) 2019: Individually evaluated for impairment $ 10 $ 512 $ — $ — $ — $ — $ 23 $ 545 Collectively evaluated for impairment 328 5,869 478 421 209 1,639 551 9,495 Ending balance $ 338 $ 6,381 $ 478 $ 421 $ 209 $ 1,639 $ 574 $ 10,040 2018: Individually evaluated for impairment $ 7 $ 492 $ — $ — $ — $ — $ 12 $ 511 Collectively evaluated for impairment 267 6,333 195 580 210 1,041 186 8,812 Ending balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2019, 2018, and 2017: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) 2019: Beginning balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 Provisions 55 128 283 (159) (1) 664 493 1,463 Charge-offs (21) (574) — — — (79) (174) (848) Recoveries 30 2 — — — 13 57 102 Ending balance $ 338 $ 6,381 $ 478 $ 421 $ 209 $ 1,639 $ 574 $ 10,040 2018: Beginning balance $ 252 $ 5,739 $ 106 $ 810 $ 223 $ 839 $ 123 $ 8,092 Provisions 14 1,086 89 (230) (13) 190 217 1,353 Charge-offs (98) — — — — — (223) (321) Recoveries 106 — — — — 12 81 199 Ending balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 2017: Beginning balance $ 335 $ 5,160 $ 109 $ 845 $ 295 $ 284 $ 94 $ 7,122 Provisions 15 569 (3) (35) (72) 738 89 1,301 Charge-offs (169) — — — — (200) (116) (485) Recoveries 71 10 — — — 17 56 154 Ending balance $ 252 $ 5,739 $ 106 $ 810 $ 223 $ 839 $ 123 $ 8,092 The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2019. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2019. Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) Loans with no related allowance recorded: Residential real estate $ 4,438 $ 4,967 $ — $ 5,037 $ 115 Commercial real estate 5,401 5,408 — 6,337 305 Multifamily — — — — — Construction — — — — — Land and land development — — — 6 — Commercial business 105 106 — 215 7 Consumer 78 81 — 107 4 $ 10,022 $ 10,562 $ — $ 11,702 $ 431 Loans with an allowance recorded: Residential real estate $ 10 $ 7 $ 10 $ 122 $ — Commercial real estate 2,246 2,637 512 2,126 — Multifamily — — — — — Construction — — — — — Land and land development — — — — — Commercial business — — — 28 — Consumer 156 155 23 157 — $ 2,412 $ 2,799 $ 545 $ 2,433 $ — Total: Residential real estate $ 4,448 $ 4,974 $ 10 $ 5,159 $ 115 Commercial real estate 7,647 8,045 512 8,463 305 Multifamily — — — — — Construction — — — — — Land and land development — — — 6 — Commercial business 105 106 — 243 7 Consumer 234 236 23 264 4 $ 12,434 $ 13,361 $ 545 $ 14,135 $ 431 The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2018. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2018. Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) Loans with no related allowance recorded: Residential real estate $ 4,833 $ 5,285 $ — $ 5,082 $ 142 Commercial real estate 6,568 6,715 — 6,694 312 Multifamily — — — — — Construction — — — — — Land and land development 27 28 — 29 — Commercial business 231 241 — 316 13 Consumer 122 123 — 120 4 $ 11,781 $ 12,392 $ — $ 12,241 $ 471 Loans with an allowance recorded: Residential real estate $ 274 $ 282 $ 7 $ 315 $ — Commercial real estate 1,151 1,293 492 256 — Multifamily — — — — — Construction — — — — — Land and land development — — — — — Commercial business — — — — — Consumer 121 128 12 137 — $ 1,546 $ 1,703 $ 511 $ 708 $ — Total: Residential real estate $ 5,107 $ 5,567 $ 7 $ 5,397 $ 142 Commercial real estate 7,719 8,008 492 6,950 312 Multifamily — — — — — Construction — — — — — Land and land development 27 28 — 29 — Commercial business 231 241 — 316 13 Consumer 243 251 12 257 4 $ 13,327 $ 14,095 $ 511 $ 12,949 $ 471 The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2017. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2017. Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) Loans with no related allowance recorded: Residential real estate $ 4,745 $ 4,980 $ — $ 4,377 $ 144 Commercial real estate 5,477 5,645 — 5,997 204 Multifamily — — — — — Construction — — — — — Land and land development 30 30 — 221 1 Commercial business 192 199 — 209 6 Consumer 95 95 — 141 4 $ 10,539 $ 10,949 $ — $ 10,945 $ 359 Loans with an allowance recorded: Residential real estate $ 224 $ 268 $ 2 $ 294 $ — Commercial real estate — — — — — Multifamily — — — — — Construction — — — — — Land and land development — — — — — Commercial business — — — 130 — Consumer 101 101 21 94 — $ 325 $ 369 $ 23 $ 518 $ — Total: Residential real estate $ 4,969 $ 5,248 $ 2 $ 4,671 $ 144 Commercial real estate 5,477 5,645 — 5,997 204 Multifamily — — — — — Construction — — — — — Land and land development 30 30 — 221 1 Commercial business 192 199 — 339 6 Consumer 196 196 21 235 4 $ 10,864 $ 11,318 $ 23 $ 11,463 $ 359 Nonperforming loans consist of nonaccrual loans and loans over 90 days past due and still accruing interest. The following table presents the recorded investment in nonperforming loans at September 30, 2019 and 2018: At September 30, 2019 At September 30, 2018 Loans 90+ Loans 90+ Days Total Days Total Nonaccrual Past Due Nonperforming Nonaccrual Past Due Nonperforming Loans Still Accruing Loans Loans Still Accruing Loans (In thousands) Residential real estate $ 2,580 $ 12 $ 2,592 $ 2,711 $ 91 $ 2,802 Commercial real estate 2,425 — 2,425 1,284 — 1,284 Multifamily — — — — — — Construction — — — — — — Land and land development — — — 27 — 27 Commercial business — — — — — — Consumer 163 — 163 160 — 160 Total $ 5,168 $ 12 $ 5,180 $ 4,182 $ 91 $ 4,273 The following table presents the aging of the recorded investment in past due loans at September 30, 2019: 30-59 Days 60-89 Days 90+ Days Total Total Past Due Past Due Past Due Past Due Current Loans (In thousands) Residential real estate $ 1,619 $ 577 $ 1,121 $ 3,317 $ 195,279 $ 198,596 Commercial real estate 892 772 1,523 3,187 435,163 438,350 Multifamily — — — — 38,292 38,292 Construction — — — — 19,660 19,660 Land and land development — — — — 10,564 10,564 Commercial business 182 — — 182 73,666 73,848 Consumer 77 17 19 113 44,604 44,717 Total $ 2,770 $ 1,366 $ 2,663 $ 6,799 $ 817,228 $ 824,027 The following table presents the aging of the recorded investment in past due loans at September 30, 2018: 30-59 Days 60-89 Days 90+ Days Total Total Past Due Past Due Past Due Past Due Current Loans (In thousands) Residential real estate $ 2,088 $ 649 $ 1,202 $ 3,939 $ 191,862 $ 195,801 Commercial real estate 696 — 210 906 344,099 345,005 Multifamily — — — — 28,865 28,865 Construction — — — — 28,347 28,347 Land and land development — 27 — 27 10,497 10,524 Commercial business 7 — — 7 68,419 68,426 Consumer 43 37 32 112 39,201 39,313 Total $ 2,834 $ 713 $ 1,444 $ 4,991 $ 711,290 $ 716,281 The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, public information, historical payment experience, credit documentation, and current economic trends, among other factors. The Company classifies loans based on credit risk at least quarterly. The Company uses the following regulatory definitions for risk ratings: Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loss: Loans classified as loss are considered uncollectible and of such little value that their continuance on the Company’s books as an asset is not warranted. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. The following table presents the recorded investment in loans by risk category as of the date indicated: Residential Commercial Land and Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) September 30, 2019: Pass $ 194,591 $ 424,989 $ 37,823 $ 19,660 $ 10,564 $ 71,050 $ 44,618 $ 803,295 Special Mention — 904 — — — — — 904 Substandard 3,946 12,457 469 — — 2,798 97 19,767 Doubtful 59 — — — — — 2 61 Loss — — — — — — — — Total $ 198,596 $ 438,350 $ 38,292 $ 19,660 $ 10,564 $ 73,848 $ 44,717 $ 824,027 September 30, 2018: Pass $ 190,647 $ 338,256 $ 28,365 $ 28,347 $ 10,207 $ 66,162 $ 39,246 $ 701,230 Special Mention 19 — — — 290 — — 309 Substandard 5,061 6,749 500 — 27 2,264 67 14,668 Doubtful 74 — — — — — — 74 Loss — — — — — — — — Total $ 195,801 $ 345,005 $ 28,865 $ 28,347 $ 10,524 $ 68,426 $ 39,313 $ 716,281 Troubled Debt Restructurings The following table summarizes TDRs by accrual status at September 30, 2019 and 2018. There was $5,000 of specific reserve included in the allowance for loan losses related to TDRs at September 30, 2018. There was no specific reserve included in the allowance for loan losses related to TDRs at September 30, 2019. Accruing Nonaccrual Total (In thousands) September 30, 2019: Residential real estate $ 1,868 $ 351 $ 2,219 Commercial real estate 5,222 59 5,281 Commercial business 105 — 105 Consumer 70 — 70 Total $ 7,265 $ 410 $ 7,675 September 30, 2018: Residential real estate $ 2,396 $ 21 $ 2,417 Commercial real estate 6,435 65 6,500 Commercial business 231 — 231 Consumer 83 — 83 Total $ 9,145 $ 86 $ 9,231 The following table summarizes information in regard to TDRs that were restructured during the years ended September 30, 2018 and 2017. There were no TDRs that were restructured during the year ended September 30, 2019. Pre- Post- Modification Modification Number of Principal Principal Loans Balance Balance (Dollars in thousands) September 30, 2018: Residential real estate 1 $ 140 $ 120 Commercial real estate 1 1,674 1,674 Commercial business 1 170 170 Consumer 1 3 3 Total 4 $ 1,987 $ 1,967 September 30, 2017: Residential real estate 2 $ 473 $ 474 Commercial real estate 1 233 233 Land and land development 1 31 32 Commercial business 1 103 103 Total 5 $ 840 $ 842 At September 30, 2019 and 2018, the Company had committed to lend $1,000 and $1,000, respectively, to customers with outstanding loans classified as TDRs. For the TDRs listed above, the terms of modification included temporary interest-only payment periods, reduction of the stated interest rate, extension of the maturity date, deferral of the contractual principal and interest payments, and the renewal of matured loans where the debtor was unable to access funds elsewhere at a market interest rate for debt with similar risk characteristics. There were no principal charge-offs recorded as a result of TDRs during the years ended September 30, 2019, 2018 and 2017. Provisions for loan losses related to TDRs totaled $5,000 for the year ended September 30, 2018. There were no provisions for loan losses related to TDRs for the years ended September 30, 2019 and 2017. In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses may be increased or charge-offs may be taken to reduce the carrying amount of the loan. During the year ended September 30, 2019, the Company had one TDR that was modified within the previous twelve months for which there was a payment default (defined as more than 90 days past due or in the process of foreclosure). The outstanding balance of that TDR was $114,000. During the years ended September 30, 2018, and 2017 the Company did not have any TDRs that were modified within the previous twelve months for which there was a payment default (defined as more than 90 days past due or in the process of foreclosure). SBA Loan Servicing Rights The Company originates loans to commercial customers under the SBA 7(a) and other programs, and sells the guaranteed portion of the SBA loans with servicing retained. Loan servicing rights on originated SBA loans that have been sold are initially recorded at fair value. Capitalized SBA servicing rights are then amortized in proportion to and over the period of estimated net servicing income. Impairment of SBA servicing rights is assessed using the present value of estimated future cash flows. The aggregate fair value of SBA loan servicing rights at September 30, 2019 and 2018 approximated its carrying value. A valuation model employed by an independent third party calculates the present value of future cash flows and is used to estimate fair value at the date of sale and on a quarterly basis for impairment analysis purposes. Management periodically compares the valuation model inputs and results to published industry data in order to validate the model results and assumptions. Key assumptions used to estimate the fair value of the SBA loan servicing rights at September 30, 2019 and 2018 were as follows: Range of Assumption (Weighted Average) Assumption 2019 2018 Discount rate 6.82% to 26.61% (11.11%) 10.84% to 23.22% (14.63%) Prepayment rate 6.80% to 21.17% (14.10%) 4.32% to 14.43% (10.08%) For purposes of impairment, risk characteristics such as interest rate, loan type, term and investor type are used to stratify the SBA loan servicing rights. Impairment is recognized through a valuation allowance to the extent that fair value is less than the carrying amount. Changes in the valuation allowance are reported in net gain on sales of loans in the consolidated statements of income. The unpaid principal balance of SBA loans serviced for others was $165.0 million and $120.6 million at September 30, 2019 and 2018, respectively. An analysis of loan servicing fees on SBA loans for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Late fees and ancillary fees earned $ 41 $ 17 $ 47 Net servicing income (costs) 1,245 863 (9) SBA net servicing fees (costs) $ 1,286 $ 880 $ 38 Contractually specified late fees and ancillary fees earned on SBA loans are included in interest income on loans in the consolidated statements of income. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans are included in other noninterest income in the consolidated statements of income. An analysis of SBA loan servicing rights for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Balance as of October 1 $ 2,405 $ 1,389 $ 310 Servicing rights capitalized 1,334 1,565 1,188 Amortization (596) (372) (109) Direct write-offs (142) — — Change in valuation allowance 29 (177) — Balance as of September 30 $ 3,030 $ 2,405 $ 1,389 An analysis of the valuation allowance related to SBA loan servicing rights for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Balance as of October 1 $ 177 $ — $ — Additions charged to earnings 113 177 — Write-downs charged against allowance (142) — — Balance as of September 30 $ 148 $ 177 $ — Mortgage Servicing Rights ("MSRs") The Company originates residential mortgage loans for sale in the secondary market and began retaining servicing for certain of these loans when they are sold in August 2019. MSRs retained for originated loans that have been sold are accounted for at fair value. The fair value of MSRs are determined using the present value of estimated expected net servicing income using assumptions about expected mortgage loan prepayment rates, discount rate, servicing costs, and other economic factors, which are determined based on current market conditions. Changes in these underlying assumptions could cause the fair value of MSRs to change significantly in the future. Changes in fair value of MSRs are recorded in mortgage banking income in the accompanying consolidated statements of income. MSRs are subject to changes in value from, among other things, changes in interest rates, prepayments of the underlying loans and changes in the credit quality of the underlying portfolio. A valuation model employed by an independent third party calculates the present value of future cash flows and is used to value the MSRs on a monthly basis. Management periodically compares the valuation model inputs and results to published industry data in order to validate the model results and assumptions. Key assumptions used to estimate the fair value of the MSRs at September 30, 2019 were as follows: Assumption Range of Assumption (Weighted Average) Discount rate 9.25% Prepayment rate 4.42% to 72.79% (18.75%) The unpaid principal balance of residential mortgage loans serviced for others was $91.6 million at September 30, 2019. Custodial escrow balances maintained in connection with the foregoing loan servicing and other liabilities were $427,000 at September 30, 2019. Contractually specified servicing fees (net of direct servicing expenses), late fees and other ancillary fees of $30,000 are included in other noninterest income in the consolidated statements of income for the year ended September 30, 2019. Changes in the carrying value of MSRs accounted for at fair value for the year ended September 30, 2019 were as follows: (In thousands) 2019 Fair value as of October 1 $ — Servicing rights capitalized 940 Changes in fair value related to: Loan repayments (6) Changes in valuation model inputs or assumptions — Fair value as of September 30 $ 934

INVESTMENT IN HISTORIC TAX CRED

INVESTMENT IN HISTORIC TAX CREDIT ENTITY	12 Months Ended
	Sep. 30, 2019
INVESTMENT IN HISTORIC TAX CREDIT ENTITY
INVESTMENT IN HISTORIC TAX CREDIT ENTITY	(6) INVESTMENT IN HISTORIC TAX CREDIT ENTITY On October 15, 2014, the Bank entered into an agreement to participate in the rehabilitation of a certified historic structure located in Louisville, Kentucky with a regional commercial developer. As part of the agreement, the Bank committed to invest $4.2 million into a limited liability company organized in the state of Kentucky by the commercial developer, for which it received a 99% equity interest in the entity and will receive an allocation of 99% of the operating profit and losses and any historic tax credits generated by the entity. The tax credits initially expected to be allocated to the Bank include federal rehabilitation investment credits totaling $4.7 million available under Internal Revenue Code Section 47. Subsequently, during the quarter ended March 31, 2017, the estimate of tax credits increased to $5.0 million and the Bank’s investment in equity increased to $4.5 million, or 90% of the anticipated credits to be received. The Bank’s investment in the historic tax credit entity is accounted for using the equity method of accounting. During the years ended September 30, 2019 and 2018, the Bank recognized income related to distributions from the historic tax credit entity of $210,000 and $585,000, respectively. During the year ended September 30, 2017, the Bank recognized impairment losses in noninterest income of $226,000, and recorded historic tax credits of $249,000, as an offset to income tax expense.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Sep. 30, 2019
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	(7) PREMISES AND EQUIPMENT Premises and equipment consisted of the following at September 30, 2019 and 2018: (In thousands) 2019 2018 Land and land improvements $ 2,816 $ 4,582 Office buildings 17,575 10,592 Leasehold improvements 61 61 Furniture, fixtures and equipment 6,596 6,100 Construction in progress 1,193 — 28,241 21,335 Less: accumulated depreciation (9,003) (8,322) Totals $ 19,238 $ 13,013 Depreciation expense recognized for premises and equipment for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Depreciation expense $ 1,305 $ 920 $ 820 In September 2016, the Bank sold property in conjunction with the sale of a real estate development. The Bank’s property sold in the transaction consisted of a retail branch operated by the Bank and other retail space leased to a third-party tenant. In accordance with the purchase and sale agreement, the Bank executed a lease agreement with the buyer to lease back the portion of the property consisting of the retail branch. The lease has an initial term of 10 years and may be extended for up to six consecutive five-year periods. The Bank is accounting for the leaseback as an operating lease. The total gain realized on the sale of the property was $471,000, with $307,000 attributable to the retail branch property operated by the Bank and $164,000 attributable to the other retail space. The gain on the other retail space has been recognized in noninterest income in the accompanying consolidated statements of income. The gain attributable to the retail branch property has been deferred and will be recognized in income in proportion to the rent charged over the term of the lease. At September 30, 2019 and 2018, the remaining deferred gain of $218,000 and $248,000, respectively, is included in other liabilities in the accompanying consolidated balance sheets. See Note 19 for additional information regarding the Company’s operating leases.

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Sep. 30, 2019
OTHER REAL ESTATE OWNED
OTHER REAL ESTATE OWNED	(8) OTHER REAL ESTATE OWNED Other real estate owned asset activity was as follows for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Balance as of October 1 $ 103 $ 852 $ 519 Acquired from FNBO — 31 — Transfers from loans to other real estate owned 114 133 703 Transfers from premises and equipment to REO 1,893 — — Direct write-downs — (63) (28) Sales (217) (827) (337) Other adjustments — (23) (5) Balance as of September 30 $ 1,893 $ 103 $ 852 At September 30, 2018, the balance of other real estate owned included $103,000 of residential real estate properties where physical possession has been obtained. At September 30, 2019 and 2018, the recorded investment in consumer mortgage loans secured by residential real estate properties where formal foreclosure proceedings are in process was $1.3 million and $1.3 million, respectively. Net (gain) loss on other real estate owned for the years ended September 30, 2019, 2018 and 2017 was as follows: (In thousands) 2019 2018 2017 Net gain on sales $ (78) $ (278) $ (198) Direct write-downs — 63 28 Operating expenses, net of rental income 21 55 57 $ (57) $ (160) $ (113)

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	12 Months Ended
	Sep. 30, 2019
GOODWILL AND OTHER INTANGIBLES
GOODWILL AND OTHER INTANGIBLES	(9) GOODWILL AND OTHER INTANGIBLES Goodwill and the core deposit intangibles acquired in the acquisitions of Community First Bank (“Community First”) on September 30, 2009, the First Federal Savings Bank of Elizabethtown, Inc. (“First Federal”) branches on July 6, 2012, and Dearmin/FNBO on February 9, 2018, are evaluated for impairment at least annually or more frequently upon the occurrence of an event or when circumstances indicate that the carrying amount is greater than its fair value. No impairment of goodwill or the core deposit intangibles was recognized during 2019, 2018, and 2017. The changes in the carrying amount of goodwill for the years ended September 30, 2019, 2018 and 2017 are summarized as follows: (In thousands) 2019 2018 2017 Beginning balance $ 9,848 $ 7,936 $ 7,936 Acquisition of Dearmin/FNBO — 1,912 — Ending balance $ 9,848 $ 9,848 $ 7,936 The following is a summary of other intangible assets subject to amortization: (In thousands) 2019 2018 Core deposit intangible acquired in Community First acquisition $ 2,741 $ 2,741 Core deposit intangible acquired in First Federal branch acquisition 566 566 Core deposit intangible acquired in Dearmin/FNBO acquisition 1,487 1,487 Less accumulated amortization (3,378) (3,067) Ending balance $ 1,416 $ 1,727 Amortization expense on intangibles for the years ended September 30, 2019, 2018 and 2017 is summarized as follows: (In thousands) 2019 2018 2017 Amortization expense $ 312 $ 453 $ 344 Estimated amortization expense for the core deposit intangibles for each of the ensuing five years and in the aggregate is as follows: Years ending September 30: (In thousands) 2020 $ 214 2021 214 2022 214 2023 214 2024 163 2025 and thereafter 397 Total $ 1,416

DEPOSITS

DEPOSITS	12 Months Ended
	Sep. 30, 2019
DEPOSITS
DEPOSITS	(10) DEPOSITS Deposits at September 30, 2019 and 2018 consisted of the following: (In thousands) 2019 2018 Noninterest-bearing demand deposits $ 173,072 $ 167,705 NOW accounts 173,746 173,543 Money market accounts 121,281 107,124 Savings accounts 120,393 120,995 Retail time deposits 146,227 123,007 Brokered time deposits 99,665 118,738 Total $ 834,384 $ 811,112 The aggregate amount of time deposit accounts with balances that met or exceeded the Federal Deposit Insurance Corporation (“FDIC”) insurance limit of $250,000 was $22.3 million and $12.9 million at September 30, 2019 and 2018, respectively. At September 30, 2019, scheduled maturities of time deposits were as follows: Years ending September 30: (In thousands) 2020 $ 178,397 2021 35,969 2022 13,584 2023 8,467 2024 9,475 Total $ 245,892 The Bank held deposits for related parties of $9.2 million and $6.9 million at September 30, 2019 and 2018, respectively.

FEDERAL FUNDS PURCHASED

FEDERAL FUNDS PURCHASED	12 Months Ended
	Sep. 30, 2019
FEDERAL FUNDS PURCHASED
FEDERAL FUNDS PURCHASED	(11) FEDERAL FUNDS PURCHASED The Bank has entered into a federal funds purchased line of credit facility with another financial institution that established a line of credit not to exceed the lesser of $20 million or 25% of the Bank’s equity capital, excluding reserves. Availability under the line of credit is subject to continued borrower eligibility and expires on June 30, 2020 unless it is extended. The line of credit is intended to support short-term liquidity needs, and the agreement states that the Bank may borrow under the facility for up to seven consecutive days without pledging collateral to secure the borrowing. At September 30, 2019 and 2018, the Bank had no outstanding federal funds purchased under the facility. The Bank has also entered into a separate federal funds purchased line of credit facility with another financial institution that established a discretionary line of credit not to exceed $15 million. The line of credit is intended to support short-term liquidity needs. At September 30, 2019, the Bank had $4.0 million outstanding federal funds purchased under the facility. At September 30, 2018, the Bank had no outstanding federal funds purchased under the facility.

REPURCHASE AGREEMENTS

REPURCHASE AGREEMENTS	12 Months Ended
	Sep. 30, 2019
REPURCHASE AGREEMENTS
REPURCHASE AGREEMENTS	(12) REPURCHASE AGREEMENTS Repurchase agreements include retail repurchase agreements representing overnight borrowings from deposit customers. There we no repurchase agreements outstanding as of September 30, 2019. Repurchase agreements at September 30, 2018 are summarized as follows: 2018 Weighted Average (Dollars in thousands) Rate Amount Retail repurchase agreements 0.25 % $ 1,352 Information concerning borrowings under retail repurchase agreements as of and for the years ended September 30, 2019, 2018 and 2017 is summarized as follows: (Dollars in thousands) 2019 2018 2017 Weighted average interest rate during the year 0.25 % 0.25 % 0.25 % Average balance during the year $ 1,075 $ 1,350 $ 1,346 Maximum month-end balance during the year 1,354 1,352 1,348 Available for sale securities underlying the repurchase agreements had a fair value of $1.6 million at September 30, 2018. There were no available for sale securities underlying the repurchase agreements at September 30, 2019.

BORROWINGS FROM FEDERAL HOME LO

BORROWINGS FROM FEDERAL HOME LOAN BANK	12 Months Ended
	Sep. 30, 2019
BORROWINGS FROM FEDERAL HOME LOAN BANK
BORROWINGS FROM FEDERAL HOME LOAN BANK	(13) BORROWINGS FROM FEDERAL HOME LOAN BANK At September 30, 2019 and 2018 borrowings from the FHLB were as follows: 2019 2018 Weighted Weighted Average Average (Dollars in thousands) Rate Amount Rate Amount Advances maturing in: 2019 — % $ — 1.57 % $ 15,000 2020 1.88 40,000 1.86 25,000 2021 2.12 30,000 1.87 10,000 2022 2.01 10,000 2.01 10,000 2023 — — — — 2024 and beyond 1.34 130,000 1.26 30,000 Total advances 210,000 90,000 Line of credit balance 2.33 12,544 2.01 — Total borrowings from FHLB $ 222,544 $ 90,000 The Bank entered into an Advances, Pledge and Security Agreement with the FHLB, allowing the Bank to initiate advances from the FHLB. The advances are secured under a blanket collateral agreement. At September 30, 2019, the eligible blanket collateral included residential mortgage loans with a carrying value of $194.8 million, commercial real estate loans with a carrying value of $314.0 million and available for sale securities with a fair value of $10.7 million. On August 14, 2018, the Bank entered into an Overdraft Line of Credit Agreement with the FHLB which established a line of credit not to exceed $30.0 million secured under the blanket collateral agreement. This agreement expires on August 14, 2020. At September 30, 2019, there was $12.5 million outstanding under this agreement. On June 19, 2014, the Bank entered into a Letter of Credit Agreement with the FHLB which established a letter of credit not to exceed $3.3 million secured under the blanket collateral agreement. The agreement had an initial expiration date of July 1, 2015 and is automatically extended for one additional year for successive one-year periods, not to extend beyond July 1, 2034. This agreement was extended in June 2018, lowering the amount to $2.3 million, and now expires on June 30, 2020. At September 30, 2019, there was no outstanding balance under this agreement. On May 31, 2017, the Bank entered into a Letter of Credit Agreement with the FHLB which established a letter of credit not to exceed $2.2 million. The agreement had an initial expiration date of May 31, 2018 and is automatically extended for one additional year for successive one-year periods, not to extend beyond June 1, 2037. At September 30, 2019, there was no outstanding balance under this agreement.

OTHER BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Sep. 30, 2019
OTHER BORROWINGS
OTHER BORROWINGS	(14) OTHER BORROWINGS On September 20, 2018, the Company entered into a subordinated note purchase agreement in the principal amount of $20 million. The subordinated note initially bears a fixed interest rate of 6.02% per year through September 30, 2023, and thereafter a floating rate, reset quarterly, equal to the three-month LIBOR rate plus 310 basis points. All interest is payable quarterly and the subordinated note is scheduled to mature on September 30, 2028. The subordinated note is an unsecured subordinated obligation of the Company and may be repaid in whole or in part, without penalty, on or after September 30, 2023. The subordinated note is intended to qualify as Tier 2 capital for the Company under regulatory guidelines. The subordinated note is presented net of unamortized debt issuance costs of $271,000 and $339,000 at September 30, 2019 and 2018, respectively, in the accompanying consolidated balance sheet. The debt issuance costs are being amortized over five years, which represents the period from issuance to the first redemption date of September 30, 2023. Interest expense recognized on other borrowings for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Subordinated note $ 1,277 $ 33 $ — Interest expense on other borrowings $ 1,277 $ 33 $ —

DEFERRED COMPENSATION PLANS

DEFERRED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2019
DEFERRED COMPENSATION PLANS
DEFERRED COMPENSATION PLANS	(15) DEFERRED COMPENSATION PLANS The Bank has deferred compensation agreements with former and current officers. The agreements provide for the payment of specific benefits following retirement. The balance of the accrued benefit for these agreements was $211,000 and $132,000 at September 30, 2019 and 2018, respectively. Deferred compensation expense for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Deferred compensation expense $ 80 $ 51 $ 80 The Company has a directors’ deferred compensation plan whereby a director, at his or her election on an annual basis, may defer all or a portion of the director fees into an account with the Company. The Company accrues interest on the deferred obligation at an annual rate equal to the prime rate for the immediately preceding calendar quarter plus 2%, but in no event at a rate in excess of 8%. The deferral period extends until separation from service by the director. The benefits under the plan are payable in a lump sum or in monthly installments over a period of up to ten years following the separation from service; however, the agreements provide for payment of benefits in the event of disability, early retirement, termination of service or death. The balance of the accrued benefit for the director plan was $1.4 million at September 30, 2019 and 2018. Deferred directors’ fees expense for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Deferred directors’ fee expense $ 263 $ 224 $ 194

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Sep. 30, 2019
BENEFIT PLANS
BENEFIT PLANS	(16) BENEFIT PLANS Defined Contribution Plan: The Bank has a qualified contributory defined contribution plan available to all eligible employees. The plan allows participating employees to make tax-deferred contributions under Internal Revenue Code Section 401(k). Company contributions to the plan for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Company contributions to the plan $ 762 $ 576 $ 493 Employee Stock Ownership Plan: On October 6, 2008, the Company established a leveraged ESOP covering substantially all employees. The ESOP trust acquired 203,363 shares of Company common stock at a cost of $10.00 per share financed by a term loan with the Company. The employer loan and the related interest income are not recognized in the consolidated financial statements as the debt is serviced from Company contributions. Dividends payable on allocated shares are charged to retained earnings and are satisfied by the allocation of cash dividends to participant accounts or by utilizing the dividends as additional debt service on the ESOP loan. Dividends payable on unallocated shares are not considered dividends for financial reporting purposes. Shares held by the ESOP trust are allocated to participant accounts based on the ratio of the current year principal and interest payments to the total of the current year and future years’ principal and interest to be paid on the employer loan. Compensation expense is recognized based on the average fair value of shares released for allocation to participant accounts during the year with a corresponding credit to stockholders’ equity. There was no compensation expense recognized for the years ended September 30, 2019, 2018 and 2017. The employer loan was fully repaid in December 2015 and all shares of Company stock were allocated to participant accounts as of September 30, 2016. The ESOP trust held 136,219 and 151,999 shares of Company common stock allocated to participant accounts at September 30, 2019 and 2018, respectively.

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2019
STOCK-BASED COMPENSATION PLANS
STOCK-BASED COMPENSATION PLANS	(17) STOCK-BASED COMPENSATION PLANS The Company maintains two equity incentive plans under which stock options and restricted stock have or can be granted, the 2010 Equity Incentive Plan (“2010 Plan”) approved by the Company’s shareholders in February 2010 and the 2016 Equity Incentive Plan (“2016 Plan”) approved by the Company’s shareholders in February 2016. The aggregate number of shares of the Company’s common stock available for issuance under the 2016 Plan may not exceed 88,000 shares, consisting of 66,000 stock options and 22,000 shares of restricted stock. At September 30, 2019, 8,658 shares of the Company’s common stock were available for issuance under the 2010 Plan as stock options and 11,991 shares of the Company’s common stock were available for issuance under the 2016 Plan, consisting of 10,555 stock options and 1,436 shares of restricted stock. The Company accounts for any forfeitures as they occur, and any previously recognized compensation cost for an award is reversed in the period the award is forfeited. Stock based compensation expense related to stock options and restricted stock for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Stock option expense $ 72 $ 68 $ 55 Restricted stock expense 173 148 121 Stock Options: Under the plans, the Company may grant both non-statutory and incentive stock options that may not have a term exceeding ten years. In the case of incentive stock options, the aggregate fair value (determined at the time the incentive stock options are granted) which are first exercisable during any calendar year shall not exceed $100,000. Exercise prices generally may not be less than the fair market value of the underlying stock at the date of the grant. The terms of the plans also include provisions whereby all unearned options and restricted shares become immediately exercisable and fully vested upon a change in control. Stock options granted generally vest ratably over five years and are exercisable in whole or in part for a period up to ten years from the date of the grant. Compensation expense is measured based on the fair market value of the options at the grant date and is recognized ratably over the period during which the shares are earned (the vesting period). The fair market value of stock options granted is estimated at the date of grant using a binomial option pricing model. Expected volatilities are based on historical volatility of the Company’s stock. The expected term of options granted represents the period of time that options are expected to be outstanding. The risk free rate for the expected life of the options is based on the U.S. Treasury yield curve in effect at the grant date. The fair value of options granted during the years ended September 30, 2019, 2018 and 2017 was determined using the following assumptions: Expected dividend yield 1.75 % Risk-free interest rate 2.13 % Expected volatility 14.6 % Expected life of options 7.5 years Weighted average fair value at grant date $ 6.13 A summary of stock option activity as of September 30, 2019, and changes during the year then ended is presented below. Weighted Weighted Average Average Remaining Aggregate Number of Exercise Contractual Intrinsic Shares Price Term (Years) Value Outstanding at beginning of year 150,033 $ 24.88 Granted 2,400 59.23 Exercised (66,877) 14.21 Forfeited or expired (750) 40.09 Outstanding at end of year 84,806 $ 34.13 $ 2,495,000 Vested and expected to vest 84,806 $ 34.13 $ 2,495,000 Exercisable at end of year 46,439 $ 24.97 $ 1,782,000 The intrinsic value of stock options exercised during the years ended September 30, 2019, 2018 and 2017 was $2.6 million, $2.8 million and $860,000, respectively. At September 30, 2019, there was $174,000 of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 2.53 years. Cash received from the exercise of stock options and the tax benefit from the exercise of stock options were $408,000 and $237,000, respectively, for the year ended September 30, 2019. Restricted Stock: The vesting period of restricted stock granted under the plans is generally five years beginning one year after the date of grant of the awards. Compensation expense is measured based on the fair market value of the restricted stock at the grant date and is recognized ratably over the vesting period. A summary of the Company’s nonvested restricted shares activity as of September 30, 2019 and changes during the year then ended is presented below. Weighted Number Average of Grant Date Shares Fair Value Nonvested at October 1, 2018 14,812 $ 41.20 Granted 2,500 $ 59.23 Vested (3,653) $ 40.99 Forfeited (201) $ 40.09 Nonvested at September 30, 2019 13,458 $ 44.62 There were 3,653 and 3,453 restricted shares vested during the years ended September 30, 2019 and 2018, respectively. There were no restricted shares vested during the year ended September 30, 2017. The total fair value of restricted shares that vested during the years ended September 30, 2019 and 2018 was $216,000 and $195,000, respectively. At September 30, 2019, there was $446,000 of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 2.77 years.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Sep. 30, 2019
INCOME TAXES
INCOME TAXES	(18) INCOME TAXES The Company and its subsidiaries file consolidated income tax returns. The components of consolidated income tax expense were as follows for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Current $ 2,493 $ 1,753 $ 683 Valuation allowance 166 102 76 Deferred 436 567 1,761 Income tax expense $ 3,095 $ 2,422 $ 2,520 The reconciliation of income tax expense with the amount which would have been provided at the federal statutory rate of 21% for the year ended September 30, 2019, blended federal statutory rate of 24.5% for the year ended September 30, 2018 and the federal statutory rate of 34% for the year ended September 30, 2017 follows: (In thousands) 2019 2018 2017 Provision at federal statutory rate $ 4,219 $ 3,616 $ 4,023 State income tax-net of federal tax benefit 327 110 234 Federal tax rate change – 2017 Tax Cut and Jobs Act — (145) — Tax-exempt interest income (890) (917) (1,082) Bank owned life insurance (111) (104) (210) Captive insurance net premiums (223) (208) (275) Increase in deferred tax valuation allowance 166 102 76 Historic tax credit — — (249) Other (393) (32) 3 Income tax expense $ 3,095 $ 2,422 $ 2,520 Significant components of deferred tax assets and liabilities at September 30, 2019 and 2018 are as follows: (In thousands) 2019 2018 Deferred tax assets: Allowance for loan losses $ 1,681 $ 1,763 Deferred compensation plans 391 371 Equity incentive plans 48 55 Other-than-temporary impairment loss on available for sale securities 27 27 Valuation allowance on other real estate owned — 67 Interest on nonaccrual loans 111 105 Loss on tax credit investment 1,418 1,342 Deferred loan fees and costs, net 138 158 Investment in subsidiary 493 179 Other 65 132 Gross deferred tax assets 4,372 4,199 Valuation allowance (1,412) (1,342) Net deferred tax assets 2,960 2,857 Deferred tax liabilities: Unrealized gain on securities available for sale (2,017) (92) Accumulated depreciation (690) (519) Installment sale (314) (313) Acquisition purchase accounting adjustments (777) (735) Mortgage servicing rights (223) — FHLB stock dividends (84) (84) Prepaid expenses (515) (337) Other (107) (113) Deferred tax liabilities (4,727) (2,193) Net deferred tax asset (liability) $ (1,767) $ 664 On December 22, 2017, the Tax Cuts and Jobs Act (the “Tax Act”) was signed into law. Among other things, the Tax Act reduced the Company’s corporate federal tax rate from 34% to 21% effective January 1, 2018. The Company files federal income tax returns on a September 30 fiscal year basis, so in accordance with Internal Revenue Code regulations, the Company’s federal income tax rate for the year ended September 30, 2018 is based on a blended rate of 24.5%. As a result of the Tax Act, the Company was required to re-measure, through income tax expense, deferred tax assets and liabilities using the enacted rate at which the Company expects them to be recovered or settled. The re-measurement of the net deferred tax liability resulted in an income tax benefit of approximately $145,000 for the year ended September 30, 2018. At March 31, 2018, the Company early adopted ASU 2018‑02 and reclassified out of retained earnings and into accumulated other comprehensive income approximately $619,000 of income tax benefit that was recorded through income tax expense at December 31, 2017 due to re-measuring to 21% deferred taxes on available for sale securities. Tax laws enacted in 2013 and 2014 decrease the Indiana financial institutions tax rate beginning in 2014 and ending in 2023. Deferred taxes have been adjusted to reflect the newly enacted rates and the period in which temporary differences are expected to reverse. In assessing the ability of the Company to realize the benefit of the deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, availability of operating loss carrybacks, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which deferred tax assets are deductible, management believes it is more likely than not the Company will generate sufficient taxable income to realize the benefits of these deductible differences at September 30, 2019, except for a valuation allowance of $1.4 million on the net deferred tax asset related to losses on a historic tax credit investment totaling $6.3 million. In assessing the need for a valuation allowance for the deferred tax assets for the historic tax credit investment, the Company considered all positive and negative evidence in assessing whether the weight of available evidence supports the recognition of some or all of the deferred tax assets related to the investment. Because of the tax nature of the loss to be recognized when the investment is ultimately sold (which for tax purposes will give rise to a capital loss for the historic tax credit investment), the Company may not be able to generate capital gains in the future to be able to utilize the capital losses from the investment. Therefore, the Company’s assessment of the deferred tax asset warrants the need for a valuation allowance. At September 30, 2019 and 2018, the Company had no liability for unrecognized income tax benefits and does not anticipate any increase in the liability for unrecognized tax benefits during the next twelve months. The Company believes that its income tax positions would be sustained upon examination and does not anticipate any adjustments that would result in a material change to its financial position or results of operations. The Company files consolidated U.S. federal and Indiana state income tax returns. Returns filed in these jurisdictions for tax years ending on or after September 30, 2015 are subject to examination by the relevant taxing authorities. Each entity included in the consolidated federal and state income tax returns filed by the Company are charged or given credit for the applicable tax as though separate returns were filed. Retained earnings of the Bank at September 30, 2019 and 2018 include approximately $4.6 million for which no deferred federal income tax liability has been recognized. This amount represents an allocation of income to bad debt deductions as of September 30, 1988 for tax purposes only. Reduction of such allocated amounts for purposes other than tax bad debt losses, including redemption of bank stock, excess dividends or loss of “bank” status, would create income for tax purposes only, subject to the then-current corporate income tax rate. The unrecorded deferred income tax liability on these amounts was approximately $957,000 at September 30, 2019 and 2018.

OPERATING LEASES

OPERATING LEASES	12 Months Ended
	Sep. 30, 2019
OPERATING LEASES
OPERATING LEASES	(19) OPERATING LEASES Lessee The Bank and Q2 rent office space and equipment under operating lease agreements that expire at different dates through August 2028. The following is a schedule by years of future minimum lease payments required under operating leases that have initial or remaining noncancelable lease terms in excess of one year as of September 30, 2019: Years ending September 30: (In thousands) 2020 $ 994 2021 609 2022 426 2023 310 2024 203 2025 and thereafter 590 Total $ 3,132 Rent expense under operating leases for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Rent expense $ 1,206 $ 462 $ 278 Lessor The Bank leases commercial office space to tenants under noncancelable operating leases with terms of three to ten years. The following is a schedule by years of future minimum lease payments with initial or remaining terms in excess of one year as of September 30, 2019: Years ending September 30: (In thousands) 2020 $ 499 2021 165 2022 87 2023 41 2024 7 2025 and thereafter — Total $ 799

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	12 Months Ended
	Sep. 30, 2019
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	(20) FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK The Bank is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheet. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount and type of collateral obtained, if deemed necessary by the Bank upon extension of credit, varies and is based on management’s credit evaluation of the counterparty. Commitments under outstanding standby letters of credit totaled $5.0 million and $5.4 million at September 30, 2019 and 2018, respectively. Standby letters of credit are conditional lending commitments issued by the Bank to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit. The Bank has not been obligated to perform on any financial guarantees and has incurred no losses on its commitments in 2019 or 2018. The following is a summary of the commitments to extend credit at September 30, 2019 and 2018. Interest rate lock commitments that meet the definition of a derivative are excluded from these totals. (In thousands) 2019 2018 Loan commitments: Fixed rate $ 28,079 $ 14,578 Adjustable rate 22,546 22,811 Guarantees of third-party revolving credit 157 157 Undisbursed portion of home equity lines of credit 32,269 30,629 Undisbursed portion of commercial and personal lines of credit 35,718 35,637 Undisbursed portion of construction loans in process 23,182 22,429 Total commitments to extend credit $ 141,951 $ 126,241

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Sep. 30, 2019
DERIVATIVE FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	(21) DERIVATIVE FINANCIAL INSTRUMENTS The Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The Company also enters into forward mortgage loan commitments to sell to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts are considered derivatives and are recorded on the balance sheet at fair value in accordance with FASB ASC 815, Derivatives and Hedging , with changes in fair value recorded in mortgage banking income in the accompanying consolidated statements of income. All such derivatives are considered stand-alone derivatives and have not been formally designated as hedges by management. Certain financial instruments, including derivatives, may be eligible for offset in the balance sheet when the “right of setoff” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements. However, the Company has not elected to offset such financial instruments in the consolidated balance sheets. The table below provides information on the Company’s derivative financial instruments as of September 30, 2019 and 2018. September 30, 2019: Notional Asset Liability (In thousands) Amount Derivatives Derivatives Interest rate lock commitments $ 258,545 $ 3,269 $ — Forward mortgage loan sale contracts 203,250 130 329 $ 461,795 $ 3,399 $ 329 September 30, 2018: Notional Asset Liability (In thousands) Amount Derivatives Derivatives Interest rate lock commitments $ 16,634 $ 380 $ — Forward mortgage loan sale contracts 13,750 41 — $ 30,384 $ 421 $ — Income (loss) related to derivative financial instruments included in mortgage banking income in the accompanying consolidated statements of income for the years ended September 30, 2019, 2018 and 2017, is as follows: (In thousands) 2019 2018 2017 Interest rate lock commitments $ 2,889 $ 380 $ — Forward mortgage loan sale contracts (3,462) 37 — $ (573) $ 417 $ —

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Sep. 30, 2019
FAIR VALUE MEASUREMENTS
FAIR VALUE MEASUREMENTS	(22) FAIR VALUE MEASUREMENTS FASB ASC Topic 820 , Fair Value Measurements, provides the framework for measuring fair value. That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC Topic 820 are described as follows: Level 1: Level 2: Level 3: A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. These valuation methodologies were applied to all of the Company’s financial assets carried at fair value or the lower of cost or fair value. The table below presents the balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis as of September 30, 2019. Carrying Value (In thousands) Level 1 Level 2 Level 3 Total September 30, 2019: Assets Measured – Recurring Basis Securities available for sale: Agency mortgage-backed $ — $ 14,097 $ — $ 14,097 Agency CMO — 9,048 — 9,048 Privately-issued CMO — 1,382 — 1,382 Privately-issued ABS — 1,178 — 1,178 SBA certificates — 1,154 — 1,154 Municipal bonds — 150,443 — 150,443 Total securities available for sale $ — $ 177,302 $ — $ 177,302 Residential mortgage loans held for sale – fair value option elected $ — $ 80,457 $ — $ 80,457 Derivative assets (included in other assets) $ — $ 130 $ 3,269 $ 3,399 Equity securities (included in other assets) $ 85 $ — $ — $ 85 Mortgage servicing rights (included in other assets) $ — $ — $ 934 $ 934 Liabilities Measured – Recurring Basis Derivative liabilities (included in other liabilities) $ — $ 329 $ — $ 329 Assets Measured – Nonrecurring Basis Impaired loans: Residential real estate $ — $ — $ 4,438 $ 4,438 Commercial real estate — — 7,135 7,135 Commercial business — — 105 105 Consumer — — 211 211 Total impaired loans $ — $ — $ 11,889 $ 11,889 SBA loans held for sale $ — $ 15,613 $ — $ 15,613 SBA loan servicing rights $ — $ — $ 3,030 $ 3,030 Other real estate owned, held for sale: Former bank premises $ — $ — $ 1,893 $ 1,893 Total other real estate owned $ — $ — $ 1,893 $ 1,893 The table below presents the balances of financial assets measured at fair value on a recurring and nonrecurring basis as of September 30, 2018. The Company had no liabilities measured at fair value as of September 30, 2018. Carrying Value (In thousands) Level 1 Level 2 Level 3 Total September 30, 2018: Assets Measured – Recurring Basis Securities available for sale: Agency mortgage-backed $ — $ 31,130 $ — $ 31,130 Agency CMO — 10,441 — 10,441 Privately-issued CMO — 1,579 — 1,579 Privately-issued ABS — 1,884 — 1,884 SBA certificates — 1,351 — 1,351 Municipal bonds — 137,988 — 137,988 Total securities available for sale $ — $ 184,373 $ — $ 184,373 Residential mortgage loans held for sale – fair value option elected $ — $ 9,952 $ — $ 9,952 Derivative assets (included in other assets) $ — $ 41 $ 380 $ 421 Assets Measured – Nonrecurring Basis Impaired loans: Residential real estate $ — $ — $ 5,100 $ 5,100 Commercial real estate — — 7,227 7,227 Land and land development — — 27 27 Commercial business — — 231 231 Consumer — — 231 231 Total impaired loans $ — $ — $ 12,816 $ 12,816 Residential mortgage loans held for sale – fair value option not elected $ — $ 514 $ — $ 514 SBA loans held for sale $ — $ 21,659 $ — $ 21,659 SBA loan servicing rights $ — $ — $ 2,405 $ 2,405 Other real estate owned, held for sale: Residential real estate $ — $ — $ 103 $ 103 Total other real estate owned $ — $ — $ 103 $ 103 Fair value is based upon quoted market prices, where available. If quoted market prices are not available, fair value is based on internally-developed models or obtained from third parties that primarily use, as inputs, observable market-based parameters or a matrix pricing model that employs the Bond Market Association’s standard calculations for cash flow and price/yield analysis and observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value, or the lower of cost or fair value. These adjustments may include unobservable parameters. Any such valuation adjustments have been applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Securities Available for Sale and Equity Securities. Securities classified as available for sale and equity securities are reported at fair value on a recurring basis. These securities are classified as Level 1 of the valuation hierarchy where quoted market prices from reputable third-party brokers are available in an active market. If quoted market prices are not available, the Company obtains fair value measurements from an independent pricing service. These securities are reported using Level 2 inputs and the fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, U.S. government and agency yield curves, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and the security’s terms and conditions, among other factors. For securities where quoted market prices, market prices of similar securities or prices from an independent third party pricing service are not available, fair values are calculated using discounted cash flows or other market indicators and are classified within Level 3 of the fair value hierarchy. Changes in fair value of equity securities are reported in noninterest income. Changes in fair value of securities available for sale are recorded in other comprehensive income, net of income tax effect. Residential Mortgage Loans Held for Sale . Prior to June 30, 2018, residential mortgage loans held for sale were carried at the lower of cost or market value. Effective July 1, 2018, the Company elected to record substantially all of its residential mortgage loans held for sale at fair value in accordance with FASB ASC 825‑10. The fair value of residential mortgage loans held for sale is based on specific prices of the underlying contracts for sale to investors or current secondary market prices for loans with similar characteristics, and is classified as Level 2 in the fair value hierarchy. SBA Loans Held for Sale . SBA loans held for sale are carried at the lower of cost or market value. The fair value of SBA loans held for sale is obtained from an independent third party pricing firm based on specific prices of the underlying contracts for sale to investors or current secondary market prices for loans with similar characteristics, and is classified as Level 2 in the fair value hierarchy. Derivative Financial Instruments . Derivative financial instruments consist of mortgage banking interest rate lock commitments and forward mortgage loan sale commitments. The fair value of forward mortgage loan sale commitments is obtained from an independent third party and is based on the gain or loss that would occur if the Company were to pair-off the sales transaction with the investor. The fair value of forward mortgage loan sale commitments is classified as Level 2 in the fair value hierarchy. The fair value of interest rate lock commitments is also obtained from an independent third party and is based on investor prices for the underlying loans or current secondary market prices for loans with similar characteristics, less estimated costs to originate the loans and adjusted for the anticipated funding probability (pull-through rate). The fair value of interest rate lock commitments is classified as Level 3 in the fair value hierarchy. The table below presents a reconciliation of derivative assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Beginning balance $ 380 $ — $ — Unrealized gains recognized in earnings, net of settlements 2,889 380 — Ending balance $ 3,269 $ 380 $ — The realized and unrealized gains recognized in earnings in the table above are included in mortgage banking income on the accompanying consolidated statements of income. Gains recognized in earnings for the years ended September 30, 2019 and 2018 attributable to Level 3 derivative assets held at the balance sheet date were $3.3 million and $380,000, respectively. The table below presents information about significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis as of September 30, 2019 and 2018. Significant 2019 Range of 2018 Range of Financial Instrument Unobservable Inputs Inputs Inputs Interest rate lock commitments Pull-through rate 55% - 100% 72% - 95% Direct costs to close 1% 1% - 3% Mortgage Servicing Rights . The current market for MSRs is not sufficiently liquid to provide participants with quoted market prices. Therefore, the Company uses a discounted cash flow valuation model from an independent third party to determine the fair value of MSRs. The discounted cash flow model approach consists of projecting expected servicing cash flows and calculating the present value. The key assumptions used in the valuation of MSRs include mortgage prepayment speeds, discount rates and loan servicing costs. Due to the nature of the valuation inputs, MSRs are classified within Level 3 of the valuation hierarchy. The table below presents a reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended September 30, 2019: (In thousands) 2019 Beginning balance $ — Issuances (loans sold with servicing retained) 940 Net settlements (6) Unrealized gains (losses) included in earnings — Ending balance $ 934 Changes in the fair value of MSRs are included in mortgage banking income in the accompanying consolidated statements of income. The table below presents information about significant unobservable inputs (Level 3) used in the valuation of MSRs measured at fair value on a recurring basis as of September 30, 2019. Significant 2019 Financial Instrument Unobservable Inputs Range of Inputs MSRs Discount rate 9.25 % Prepayment rate 4.42% - 72.79 % Impaired Loans . Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. The fair value of impaired loans is classified as Level 3 in the fair value hierarchy. Impaired loans are measured at the present value of estimated future cash flows using the loan’s effective interest rate or the fair value of the collateral if the loan is a collateral-dependent loan. At September 30, 2019 and 2018, all impaired loans were considered to be collateral-dependent for the purpose of determining fair value. Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable, and its fair value is generally determined based on real estate appraisals or other independent evaluations by qualified professionals. The appraisals are then discounted to reflect management’s estimate of the fair value of the collateral given the current market conditions and the condition of the collateral. At September 30, 2019 and 2018, the significant unobservable inputs used in the fair value measurement of impaired loans included a discount from appraised value ranging from 0.0% to 75.0% and estimated costs to sell the collateral ranging from 0.0% to 12.0%. Provisions for loan losses recognized for impaired loans for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Provision for loan losses recognized $ 860 $ 573 $ 182 SBA Loan Servicing Rights . SBA loan servicing rights represent the value associated with servicing SBA loans that have been sold. The fair value of SBA loan servicing rights is determined on a quarterly basis by an independent third party valuation model using market-based discount rate and prepayment assumptions, and is classified as Level 3 in the fair value hierarchy. At September 30, 2019, the significant unobservable inputs used in the fair value measurement of SBA loan servicing rights included discount rates ranging from 6.82% to 26.61% with a weighted average of 11.11% and prepayment speed assumptions ranging from 6.80% to 21.17% with a weighted average rate of 14.10%. At September 30, 2018, the significant unobservable inputs used in the fair value measurement of SBA loan servicing rights included discount rates ranging from 10.84% to 23.22% with a weighted average of 14.63% and prepayment speed assumptions ranging from 4.32% to 14.43% with a weighted average rate of 10.08%. Impairment of the SBA loan servicing rights is recognized on a quarterly basis through a valuation allowance to the extent that fair value is less than the carrying amount. Impairment charges to write down SBA loan servicing rights to fair value for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Charges to write down SBA loan servicing rights $ 113 $ 177 $ — Other Real Estate Owned . Other real estate owned held for sale is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. Fair value of other real estate owned is classified as Level 3 in the fair value hierarchy. Other real estate owned is reported at fair value less estimated costs to dispose of the property. The fair values are determined by real estate appraisals which are then discounted to reflect management’s estimate of the fair value of the property given current market conditions and the condition of the collateral. At September 30, 2019, the significant unobservable inputs used in the fair value measurement of other real estate owned included a discount from appraised value (including estimated costs to sell the property) ranging from 0.0% to 15.0% with a weighted average of 10.5%. At September 30, 2018, the significant unobservable inputs used in the fair value measurement of other real estate owned included a discount from appraised value (including estimated costs to sell the property) ranging from 15.0% to 100.0% with a weighted average of 48.9%. Charges to write down other real estate owned to fair value for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Charges to write down other real estate owned $ — $ 63 $ 28 Transfers between Categories . There have been no changes in the valuation techniques and related inputs used for assets measured at fair value on a recurring and nonrecurring basis during the years ended September 30, 2019 and 2018. There were no transfers into or out of Level 3 financial assets or liabilities for the years ended September 30, 2019 and 2018. In addition, there were no transfers into or out of Levels 1 and 2 of the fair value hierarchy during the years ended September 30, 2019 and 2018. Financial Instruments Recorded Using Fair Value Option. Under FASB ASC 825‑10, the Company may elect to report most financial instruments and certain other items at fair value on an instrument-by-instrument basis, with changes in fair value reported in income. The election is made at the acquisition of an eligible financial asset or financial liability, and may not be revoked once made. The Company has elected the fair value option for substantially all of its residential mortgage loans held for sale effective July 1, 2018, including all loans originated by the newly formed wholesale lending division. These loans are intended for sale and the Company believes that the fair value is the best indicator of the resolution of these loans. Interest income is recorded based on the contractual terms of the loans and in accordance with the Company’s policy on loans held for investment. None of these loans were 90 days or more past due, nor were any on nonaccrual status as of September 30, 2019 and 2018. The table below presents the difference between the aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale for which the fair value option had been elected as of September 30, 2019 and 2018. Aggregate September 30, 2019: Aggregate Principal (In thousands) Fair Value Balance Difference Residential mortgage loans held for sale $ 80,457 $ 77,787 $ 2,670 Aggregate ( September 30, 2018: Aggregate Principal In thousands) Fair Value Balance Difference Residential mortgage loans held for sale $ 9,952 $ 9,695 $ 257 The table below presents gains and losses and interest included in earnings related to financial assets measured at fair value under the fair value option for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Gains – included in mortgage banking income $ 2,492 $ 257 $ — Interest income 1,516 376 — $ 4,008 $ 633 $ — Fair Value of Financial Instruments The following tables summarize the carrying value and estimated fair value of financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2019 and 2018. Carrying Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 September 30, 2019: Financial assets: Cash and due from banks $ 13,008 $ 13,008 $ — $ — Interest-bearing deposits with banks 28,424 28,424 — — Interest-bearing time deposits 2,265 — 2,265 — Securities available for sale 177,302 — 177,302 — Securities held to maturity 2,336 — 2,670 — Residential mortgage loans held for sale 80,457 — 80,457 — SBA loans held for sale 15,613 — 17,040 — Loans, net 810,658 — — 841,646 FRB and FHLB stock 13,040 N/A N/A N/A Accrued interest receivable 5,041 — 5,041 — SBA loan servicing rights (included in other assets) 3,030 — — 3,030 Residential mortgage loan servicing rights (included in other assets) 934 — — 934 Derivative assets (included in other assets) 3,399 — 130 3,269 Equity securities (included in other assets) 85 85 — — Financial liabilities: Deposits 834,384 — — 835,483 Federal funds purchased 4,000 — 4,000 — Borrowings from FHLB 222,544 — 222,432 — Subordinated note 19,729 — 21,143 — Accrued interest payable 935 — 935 — Advance payments by borrowers for taxes and insurance 1,906 — 1,906 — Derivative liabilities (included in other liabilities) 329 — 329 — Carrying Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 September 30, 2018: Financial assets: Cash and due from banks $ 14,191 $ 14,191 $ — $ — Interest-bearing deposits with banks 28,083 28,083 — — Interest-bearing time deposits 2,501 — 2,494 — Securities available for sale 184,373 — 184,373 — Securities held to maturity 2,607 — 2,896 — Residential mortgage loans held for sale 10,466 — 10,476 — SBA loans held for sale 21,659 — 23,488 — Loans, net 704,271 — — 673,652 FRB and FHLB stock 9,621 N/A N/A N/A Accrued interest receivable 4,287 — 4,287 — Loan servicing rights (included in other assets) 2,405 — — 2,405 Derivative assets (included in other assets) 421 — 41 380 Financial liabilities: Deposits 811,112 — — 809,305 Short-term repurchase agreements 1,352 — 1,352 — Borrowings from FHLB 90,000 — 84,175 — Subordinated note 19,661 — 19,661 — Accrued interest payable 743 — 743 — Advance payments by borrowers for taxes and insurance 1,218 — 1,218 — The carrying amounts in the preceding tables are included in the consolidated balance sheets under the applicable captions. The contracted or notional amounts of financial instruments with off-balance-sheet risk are disclosed in Note 20, and the fair value of these instruments is considered immaterial.

CAPITAL REQUIREMENTS AND RESTRI

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	12 Months Ended
	Sep. 30, 2019
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	(23) CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1 and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and Tier 1 capital (as defined) to average assets (as defined). The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (“Basel III rules”) became effective for the Bank on January 1, 2015, with full compliance with all of the requirements being phased in over a multi-year schedule through 2019. Under the Basel III rules, the Bank must hold a conservation buffer above the adequately capitalized risk-based capital ratios disclosed in the table below. The capital conservation buffer is being phased in from 0.0% for 2015 to 2.5% by 2019. The capital conservation buffer was 1.875% for 2018 and is 2.50% for 2019. Management believes that the Bank met all capital adequacy requirements to which it was subject as of September 30, 2019 and 2018. As of September 30, 2019, the most recent notification from the FRB categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, common equity Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company is not subject to the FRB’s consolidated capital requirements because it has less than $3 billion in total consolidated assets. However, management has elected to disclose the Company’s capital amounts and ratios in addition to Bank’s required disclosures in the table below. No amount was deducted from capital for interest-rate risk in either year. Minimum To Be Well Capitalized Under Minimum for Capital Prompt Corrective Actual Adequacy Purposes Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of September 30, 2019: Total capital (to risk-weighted assets): Consolidated $ 130,700 13.85 % $ 75,474 8.00 % N/A N/A Bank 121,160 12.88 % 75,249 8.00 % $ 94,061 10.00 % Tier 1 capital (to risk-weighted assets): Consolidated $ 100,931 10.70 % $ 56,606 6.00 % N/A N/A Bank 111,120 11.81 % 56,437 6.00 % $ 75,249 8.00 % Common equity tier 1 capital (to risk-weighted assets): Consolidated $ 100,931 10.70 % $ 42,454 4.50 % N/A N/A Bank 111,120 11.81 % 42,327 4.50 % $ 61,140 6.50 % Tier 1 capital (to average adjusted total assets): Consolidated $ 100,931 8.39 % $ 48,142 4.00 % N/A N/A Bank 111,120 9.34 % 47,564 4.00 % $ 59,455 5.00 % As of September 30, 2018: Total capital (to risk-weighted assets): Consolidated $ 114,911 14.50 % $ 63,402 8.00 % N/A N/A Bank 102,281 12.92 % 63,312 8.00 % $ 79,140 10.00 % Tier 1 capital (to risk-weighted assets): Consolidated $ 85,927 10.84 % $ 47,551 6.00 % N/A N/A Bank 92,958 11.75 % 47,484 6.00 % $ 63,312 8.00 % Common equity tier 1 capital (to risk-weighted assets): Consolidated $ 85,927 10.84 % $ 35,663 4.50 % N/A N/A Bank 92,958 11.75 % 35,613 4.50 % $ 51,441 6.50 % Tier 1 capital (to average adjusted total assets): Consolidated $ 85,927 8.39 % $ 40,982 4.00 % N/A N/A Bank 92,958 9.10 % 40,840 4.00 % $ 51,050 5.00 % Dividend Restriction As an Indiana corporation, the Company is subject to Indiana law with respect to the payment of dividends. Under Indiana law, the Company may pay dividends so long as it is able to pay its debts as they become due in the usual course of business and its assets exceed the sum of its total liabilities, plus the amount that would be needed, if the Company were to be dissolved at the time of the dividend, to satisfy any rights that are preferential to the rights of the persons receiving the dividend. The ability of the Company to pay dividends depends primarily on the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank is subject to banking regulations and applicable Indiana state law. The amount of dividends that the Bank may pay to the Company in any calendar year without prior approval from banking regulators cannot exceed net income for that year to date plus retained net income (as defined) for the preceding two calendar years. The Bank may not declare or pay a cash dividend or repurchase any of its capital stock if the effect thereof would cause the regulatory capital of the Bank to be reduced below regulatory capital requirements imposed by banking regulators or the FDIC, or below the amount of the liquidation account established upon completion of the conversion. Liquidation Account Upon completion of its conversion from mutual to stock form on October 6, 2008, the Bank established a liquidation account in an amount equal to its retained earnings at March 31, 2008, totaling $29.3 million. The liquidation account is maintained for the benefit of depositors as of the March 31, 2007 eligibility record date (or the June 30, 2008 supplemental eligibility record date) who maintain their deposits in the Bank after conversion. In the event of complete liquidation, and only in such an event, each eligible depositor is entitled to receive a liquidation distribution from the liquidation account in the proportionate amount of the then current adjusted balance for deposits held, before any liquidation distribution may be made with respect to the Bank’s stockholders. Except for the repurchase of stock and payment of dividends by the Bank, the existence of the liquidation account does not restrict the use or application of retained earnings of the Bank.

SUPPLEMENTAL DISCLOSURE FOR EAR

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	12 Months Ended
	Sep. 30, 2019
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	(24) SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE Basic earnings per common share is computed by dividing net income available to common shareholders by the weighted average number of shares of common stock outstanding during the periods presented. Diluted earnings per common share include the dilutive effect of additional potential common shares issuable under stock options, restricted stock and other potentially dilutive securities outstanding. Earnings and dividends per share are restated for stock splits and dividends through the date of issuance of the financial statements. Earnings per share information is presented below for the years ended September 30, 2019, 2018 and 2017. Years Ended September 30, (In thousands, except share and per share data) 2019 2018 2017 Basic: Earnings: Net income attributable to First Savings Financial Group, Inc. available to common shareholders $ 16,177 $ 10,902 $ 9,313 Shares: Weighted average common shares outstanding, basic 2,315,697 2,258,020 2,219,088 Net income per common share, basic $ 6.99 $ 4.83 $ 4.20 Diluted: Earnings: Net income attributable to First Savings Financial Group, Inc. available to common shareholders $ 16,177 $ 10,902 $ 9,313 Shares: Weighted average common shares outstanding, basic 2,315,697 2,258,020 2,219,088 Add: Dilutive effect of outstanding options 50,623 107,274 123,557 Add: Dilutive effect of restricted stock 5,764 7,260 3,363 Weighted average common shares outstanding, as adjusted 2,372,084 2,372,554 2,346,008 Net income per common share, diluted $ 6.82 $ 4.60 $ 3.97 Nonvested restricted stock shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. There were no antidilutive restricted stock awards excluded from the calculation of diluted net income per share for the years ended September 30, 2019, 2018 and 2017. Stock options for 7,200 and 4,800 shares of common stock were excluded from the calculation of diluted net income per common share for the years ended September 30, 2019 and 2018, respectively, because their effect was antidilutive. No stock options were excluded from the calculation of diluted net income per common share for the year ended September 30, 2017.

PARENT COMPANY CONDENSED FINANC

PARENT COMPANY CONDENSED FINANCIAL INFORMATION	12 Months Ended
	Sep. 30, 2019
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
PARENT COMPANY CONDENSED FINANCIAL INFORMATION	(25) PARENT COMPANY CONDENSED FINANCIAL INFORMATION Condensed financial information for First Savings Financial Group, Inc. (parent company only) follows: Balance Sheets As of September 30, (In thousands) 2019 2018 Assets: Cash and due from banks $ 6,474 $ 10,170 Other assets 816 928 Investment in subsidiaries 133,760 108,007 $ 141,050 $ 119,105 Liabilities and Equity: Subordinated note $ 19,729 $ 19,661 Accrued interest payable — 33 Accrued expenses 268 598 Stockholders’ equity 121,053 98,813 $ 141,050 $ 119,105 Statements of Income Years Ended September 30, (In thousands) 2019 2018 2017 Dividend income from subsidiaries $ 750 $ 9,875 $ 1,850 Interest expense (1,277) (33) — Other operating expenses (882) (921) (778) Income (loss) before income taxes and equity in undistributed net income of subsidiaries (1,409) 8,921 1,072 Income tax benefit 747 408 239 Income (loss) before equity in undistributed net income of subsidiaries (662) 9,329 1,311 Equity in undistributed net income of subsidiaries 16,839 1,573 8,002 Net income $ 16,177 $ 10,902 $ 9,313 Statements of Cash Flows Years Ended September 30, (In thousands) 2019 2018 2017 Operating Activities: Net income $ 16,177 $ 10,902 $ 9,313 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Equity in undistributed net income of subsidiaries (16,839) (1,573) (8,002) Stock compensation expense 246 217 176 Net change in other assets and liabilities (184) (162) 131 Net cash provided by (used in) operating activities (600) 9,384 1,618 Investing Activities: Acquisition of Dearmin — (9,148) — Investment in bank subsidiary (2,000) (10,000) — Investment in interest-bearing time deposits — — (10) Proceeds from maturities of interest-bearing time deposits — 10 — Net cash used in investing activities (2,000) (19,138) (10) Financing Activities: Net proceeds from subordinated note — 19,661 — Exercise of stock options 408 362 62 Tax paid on stock award shares for employees (32) (46) — Dividends paid (1,472) (1,343) (1,229) Net cash provided by (used in) financing activities (1,096) 18,634 (1,167) Net increase (decrease) in cash and due from banks (3,696) 8,880 441 Cash and due from banks at beginning of year 10,170 1,290 849 Cash and due from banks at end of year $ 6,474 $ 10,170 $ 1,290

CONCENTRATION OF CREDIT RISK

CONCENTRATION OF CREDIT RISK	12 Months Ended
	Sep. 30, 2019
CONCENTRATION OF CREDIT RISK
CONCENTRATION OF CREDIT RISK	(26) CONCENTRATION OF CREDIT RISK At September 30, 2019 and 2018, the Bank had a concentration of credit risk with correspondent banks in excess of the federal deposit insurance limit of $8.8 million and $9.6 million, respectively.

SUPPLEMENTAL DISCLOSURE OF CASH

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION	12 Months Ended
	Sep. 30, 2019
Supplemental Cash Flow Elements
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION	(27) SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION Years Ended September 30, (In thousands) 2019 2018 2017 Cash payments for: Interest $ 10,729 $ 5,873 $ 4,400 Income taxes (net of refunds received) 1,572 1,759 (598) Non-cash activities: Transfers to loans held for sale from loans — — (854) Transfers from loans to other real estate owned 114 133 703 Proceeds from sales of other real estate owned financed through loans 112 453 189 Cashless exercise of stock options 542 387 294 Transfers from premises and equipment to other real estate owned 1,893 — —

SELECTED QUARTERLY FINANCIAL IN

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	12 Months Ended
	Sep. 30, 2019
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	(28) SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) First Second Third Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2019: Interest income $ 11,801 $ 12,307 $ 13,058 $ 13,829 Interest expense 2,225 2,446 3,166 3,069 Net interest income 9,576 9,861 9,892 10,760 Provision for loan losses 315 340 337 471 Net interest income after provision for loan losses 9,261 9,521 9,555 10,289 Noninterest income 5,781 7,089 12,644 18,340 Noninterest expenses 11,416 12,880 16,488 21,606 Income before income taxes 3,626 3,730 5,711 7,023 Income tax expense 522 466 748 1,359 Net income 3,104 3,264 4,963 5,664 Net income (loss) attributable to noncontrolling interest in subsidiary 173 (269) 571 343 Net income attributable to First Savings Financial Group, Inc. $ 2,931 $ 3,533 $ 4,392 $ 5,321 Net income per common share, basic $ 1.28 $ 1.53 $ 1.88 $ 2.28 Net income per common share, diluted $ 1.24 $ 1.50 $ 1.85 $ 2.24 First Second Third Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2018: Interest income $ 9,426 $ 10,146 $ 11,206 $ 11,381 Interest expense 1,373 1,423 1,699 1,842 Net interest income 8,053 8,723 9,507 9,539 Provision for loan losses 462 371 266 254 Net interest income after provision for loan losses 7,591 8,352 9,241 9,285 Noninterest income 2,906 2,567 3,254 4,568 Noninterest expenses 6,382 8,359 8,122 10,143 Income before income taxes 4,115 2,560 4,373 3,710 Income tax expense 622 338 696 766 Net income 3,493 2,222 3,677 2,944 Net income attributable to noncontrolling interest in subsidiary 87 576 571 200 Net income attributable to First Savings Financial Group, Inc. $ 3,406 $ 1,646 $ 3,106 $ 2,744 Net income per common share, basic $ 1.53 $ 0.73 $ 1.37 $ 1.20 Net income per common share, diluted $ 1.44 $ 0.69 $ 1.31 $ 1.15 September 30, 2017: Interest income $ 8,011 $ 8,219 $ 8,664 $ 9,023 Interest expense 1,022 1,032 1,132 1,271 Net interest income 6,989 7,187 7,532 7,752 Provision for loan losses 306 375 321 299 Net interest income after provision for loan losses 6,683 6,812 7,211 7,453 Noninterest income 1,875 1,861 2,123 2,766 Noninterest expenses 5,540 6,066 6,305 7,040 Income (loss) before income taxes 3,018 2,607 3,029 3,179 Income tax expense (benefit) 681 413 586 840 Net income 2,337 2,194 2,443 2,339 Net income attributable to noncontrolling interest in subsidiary — — — — Net income attributable to First Savings Financial Group, Inc. $ 2,337 $ 2,194 $ 2,443 $ 2,339 Net income per common share, basic $ 1.06 $ 0.99 $ 1.10 $ 1.05 Net income per common share, diluted $ 1.00 $ 0.94 $ 1.04 $ 0.99

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Sep. 30, 2019
Segment Reporting
SEGMENT REPORTING	(29) SEGMENT REPORTING The Company’s operations include three primary segments: core banking, SBA lending, and mortgage banking. The core banking segment originates residential, commercial and consumer loans and attracts deposits from its customer base. Net interest income from loans and investments funded by deposits and borrowings is the primary revenue for the core banking segment. The SBA lending segment originates loans guaranteed by the SBA, subsequently selling the guaranteed portion to outside investors. Net gains on sales of loans and net interest income are the primary sources of revenue for the SBA lending segment. The mortgage banking segment originates residential mortgage loans and sells them in the secondary market. Net gains on the sales of loans, income from derivative financial instruments and net interest income are the primary sources of revenue for the mortgage banking segment. The core banking segment is comprised primarily of the Bank and First Savings Investments, Inc., while the SBA lending segment’s revenues are comprised primarily of net interest income and gains on the sales of SBA loans generated by Q2 beginning January 1, 2017 and SBA loan related income of the Bank prior to the formation of Q2. The mortgage banking segment operates as a separate division of the Bank and began operations in April 2018 and was not recognized as a separate operating segment until the year ended September 30, 2019. The following segment financial information has been derived from the internal financial statements of the Company which are used by management to monitor and manage financial performance. The accounting policies of the three segments are the same as those of the Company. The amounts reflected in the “Other” column in the tables below represent combined balances of the Company and the Captive, and are the primary differences between the sum of the segment amounts and consolidated totals, along with amounts to eliminate transactions between segments. Core SBA Mortage Consolidated (In thousands) Banking Lending Banking Other Totals Year Ended September 30, 2019: Net interest income $ 36,524 $ 4,145 $ 636 $ (1,216) $ 40,089 Net gains on sales of loans, SBA — 4,569 — — 4,569 Mortgage banking income 33 — 32,974 — 33,007 Noncash items: Provision for loan losses (242) 1,705 — — 1,463 Depreciation and amortization 1,467 49 100 68 1,684 Income tax expense (benefit) 2,143 213 1,475 (736) 3,095 Segment profit (loss) 11,423 1,458 4,422 (308) 16,995 Segment assets at September 30, 2019 1,124,526 84,661 88,645 (75,253) 1,222,579 Core SBA Consolidated (In thousands) Banking Lending Other Totals Year Ended September 30, 2018: Net intere-st income $ 32,812 $ 3,012 $ (2) $ 35,822 Net gains on sales of loans, SBA — 5,493 — 5,493 Noncash items: Provision for loan losses (69) 1,422 — 1,353 Depreciation and amortization 1,323 50 — 1,373 Income tax benefit 2,825 — (403) 2,422 Segment profit (loss) 9,050 2,968 318 12,336 Segment assets at September 30, 2018 1,025,135 66,970 (57,699) 1,034,406 Core SBA Consolidated (In thousands) Banking Lending Other Totals Year Ended September 30, 2017: Net interest income $ 27,637 $ 1,802 $ 21 $ 29,460 Net gains on sales of loans, SBA — 4,204 — 4,204 Noncash items: Provision for loan losses 868 433 — 1,301 Depreciation and amortization 1,120 44 — 1,164 Income tax benefit 2,754 — (234) 2,520 Segment profit (loss) 7,109 1,924 280 9,313 Segment assets at September 30, 2017 885,669 51,821 (46,357) 891,133

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Sep. 30, 2019
REVENUE FROM CONTRACTS WITH CUSTOMERS
REVENUE FROM CONTRACTS WITH CUSTOMERS	(30) REVENUE FROM CONTRACTS WITH CUSTOMERS As of October 1, 2018, the Company adopted ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606), using the modified retrospective approach. The adoption of the ASU had no material impact on the measurement or recognition of revenue; however, additional disclosures have been added in accordance with the ASU. All of the Company’s revenue from contracts with customers within the scope of FASB ASC 606 is included in the core banking segment and is recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the years ended September 30, 2019, 2018 and 2017: Year Ended September 30, 2019 2018 2017 Service charges on deposit accounts $ 1,957 $ 1,731 $ 1,355 ATM and interchange fees 1,949 1,580 1,348 Investment advisory income 324 550 379 Other 137 139 140 Revenue from contracts with customers 4,367 4,000 3,222 Gain (loss) on securities (74) 99 30 Gain on sale of SBA loans 4,569 5,493 4,204 Mortgage banking income 33,007 2,318 530 Increase in cash value of life insurance 580 430 433 Real estate lease income 594 5 — Other 811 950 206 Other noninterest income 39,487 9,295 5,403 Total noninterest income $ 43,854 $ 13,295 $ 8,625 A description of the Company’s revenue streams accounted for under FASB ASC 606 follows: Service Charges on Deposit Accounts : The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which include services such as wire fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. ATM and Interchange Fees : The Company earns ATM usage fees and interchange fees from debit cardholder transactions conducted through a payment network. ATM fees are recognized when the transaction occurs. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Investment Advisory Income : The Company earns trust, insurance commissions, brokerage commissions and annuities income from its contracts with customers to manage assets for investment, and/or to transact on their accounts. These fees are primarily earned over time as the Company provides the contracted services and are generally assessed based on the market value of assets under management. Fees that are transaction based, including trade execution services, are recognized when the transaction is executed. Other related fees, which are based on a fixed fee schedule, are recognized when the services are rendered. Other Income : Other income from contracts with customers includes check cashing and cashier’s check fees, safe deposit box fees and cash advance fees. This revenue is recognized at the time the transaction is executed or over the period the Company satisfies the performance obligation.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Sep. 30, 2019
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Nature of Operations	Nature of Operations First Savings Financial Group, Inc. (the “Company”) is a financial holding company and the parent of First Savings Bank (the “Bank”) and First Savings Insurance Risk Management, Inc. (the “Captive”). The Bank, which is a wholly-owned Indiana-chartered commercial bank subsidiary of the Company, provides a variety of banking services to individuals and business customers through 16 locations in southern Indiana. The Bank attracts deposits primarily from the general public and uses those funds, along with other borrowings, primarily to originate residential mortgage, commercial mortgage, construction, commercial business and consumer loans, and to a lesser extent, to invest in mortgage-backed securities and other securities. The Bank has two wholly owned subsidiaries: First Savings Investments, Inc., a Nevada corporation that manages a securities portfolio and Southern Indiana Financial Corporation, which is currently inactive. At September 30, 2016, the Bank had a third wholly owned subsidiary, FFCC, Inc. (“FFCC”), which was an Indiana corporation that participated in commercial real estate development and leasing. In accordance with the Plan of Complete Liquidation adopted by FFCC’s board of directors and approval by the Bank as its sole shareholder on December 21, 2016, FFCC voluntarily dissolved and completely liquidated effective December 31, 2016. As a result of the liquidation, FFCC distributed its net assets to the Bank on December 31, 2016. On April 25, 2017, the Bank formed Q2 Business Capital, LLC (“Q2”), which is an Indiana limited liability company that specializes in the origination and servicing of U.S. Small Business Administration (“SBA”) loans. The Bank owns 51% of Q2 with the option to purchase the minority interest between July 1, 2020 and September 30, 2020. In accordance with Q2’s operating agreement, the Bank was allocated the first $1.7 million of cumulative net income of Q2 with any additional profits and losses allocated 51% to the Bank and 49% to Q2’s minority members. The Captive, which is a wholly-owned insurance subsidiary of the Company, is a Nevada corporation that provides property and casualty insurance to the Company, the Bank and the Bank’s active subsidiaries. In addition, the Captive provides reinsurance to 11 other third-party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace.
Basis of Consolidation and Reclassifications	Basis of Consolidation and Reclassifications The consolidated financial statements include the accounts of the Company and its subsidiaries and have been prepared in accordance with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. Intercompany balances and transactions have been eliminated. Certain prior year amounts have been reclassified to conform to the current year presentation. The reclassifications had no effect on net income or stockholders’ equity.
Statements of Cash Flows	Statements of Cash Flows For purposes of the statements of cash flows, the Company has defined cash and cash equivalents as cash on hand, amounts due from banks (including cash items in process of clearing), interest-bearing deposits with other banks having an original maturity of 90 days or less and money market funds.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate and other assets acquired in connection with foreclosures or in satisfaction of loans. In connection with the determination of the allowances for loan losses and the valuation of other real estate owned, management obtains independent appraisals for significant properties. A substantial portion of the Bank’s loan portfolio consists of single-family residential and commercial real estate loans to customers in the southern Indiana and Louisville, Kentucky metropolitan area. Accordingly, the ultimate collectability of a substantial portion of the Bank’s loan portfolio and the recovery of the carrying amount of other real estate owned are susceptible to changes in local market conditions. While management uses available information to recognize losses on loans and other real estate owned, further reductions in the carrying amounts of loans and other real estate owned may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans and other real estate owned. Such agencies may require the Company to recognize additional losses based on their judgments about information available to them at the time of their examination. Because of these factors, it is reasonably possible the estimated losses on loans and other real estate owned may change materially in the near term. However, the amount of the change that is reasonably possible cannot be estimated.
Investment Securities	Investment Securities Trading Account Securities : Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The net realized and unrealized gains and losses on trading account securities are reported in noninterest income. Realized gains and losses on trading account securities are determined using the specific identification method. Securities Available for Sale : Securities available for sale consist primarily of municipal obligations, mortgage-backed securities and collateralized mortgage obligations (“CMOs”), and are stated at fair value. The Company holds municipal bonds issued by municipal governments within the U.S.; mortgage-backed securities and CMOs issued by the Government National Mortgage Association (“GNMA”), a U.S. government agency, and the Federal National Mortgage Association (“FNMA”) and the Federal Home Loan Mortgage Corporation (“FHLMC”), government-sponsored enterprises; debt securities issued by government-sponsored enterprises; and privately-issued CMOs and asset-backed securities (“ABSs”). The Company also holds pass-through asset-backed securities guaranteed by the SBA representing participating interests in pools of long-term debentures issued by state and local development companies certified by the SBA. Mortgage-backed securities represent participating interests in pools of long-term first mortgage loans originated and serviced by issuers of the securities. CMOs and ABSs are complex mortgage-backed securities that restructure the cash flows and risks of the underlying mortgage collateral. Amortization of premiums and accretion of discounts are recognized in interest income using methods approximating the interest method over the period to maturity, adjusted for anticipated prepayments. Unrealized gains and losses, net of tax, on securities available for sale are included in other comprehensive income and the accumulated unrealized holding gains and losses are reported as a separate component of equity until realized. Realized gains and losses on the sale of securities available for sale are determined using the specific identification method and are included in other noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Securities Held to Maturity : Debt securities for which the Company has the positive intent and ability to hold to maturity are reported at cost, adjusted for amortization of premiums and accretion of discounts that are recognized in interest income using methods approximating the interest method over the period to maturity, adjusted for anticipated prepayments. The Company classifies certain mortgage-backed securities and municipal obligations as held to maturity. Declines in the fair value of individual available for sale and held to maturity securities below their amortized cost that are other than temporary result in write-downs of the individual securities to their fair value. The related write-downs are included in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than amortized cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment for a period of time sufficient to allow for any anticipated recovery in fair value. Equity Securities : Equity securities, other than restricted securities such as Federal Reserve Bank (“FRB”) and Federal Home Loan Bank of Indianapolis (“FHLB”) stock, are carried at fair value, with changes in fair value included in earnings. Equity securities without readily determinable fair values are carried at cost, minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or similar investment of the same issuer. Dividends received from equity securities, other than restricted securities such as FRB and FHLB stock, are included in other noninterest income. Investments in non-marketable equity securities such as FRB stock and FHLB stock are carried at cost and are classified as restricted securities. Both cash and stock dividends received from these investments are included in dividend income. Impairment testing on these investments is based on applicable accounting guidance and the cost basis is reduced when impairment is deemed to be other-than-temporary.
Loans Held for Sale	Loans Held for Sale Prior to July 1, 2018, residential mortgage loans originated and intended for sale in the secondary market were carried at the lower of aggregate cost or market value. Aggregate market value was determined based on the quoted prices under a “best efforts” sales agreement with a third party. Effective July 1, 2018, the Company elected to record residential mortgage loans held for sale at fair value in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 825‑10. Net unrealized gains and losses are included in mortgage banking income in the accompanying consolidated statements of income. Realized gains on sales of residential mortgage loans are determined using the specific identification method and are included in mortgage banking income. The Bank originates loans to customers under the SBA 7(a) and other programs that generally provide for SBA guarantees of 75% to 90% of each loan. The Bank intends to sell the guaranteed portion of the SBA loans. The guaranteed portion of the SBA loans was classified as loans held for sale at September 30, 2019 and 2018. At September 30, 2019 and 2018, SBA loans held for sale totaling $15.6 million and $21.7 million, respectively, were carried at the lower of aggregate cost or fair value. Realized gains and losses on sales of SBA loans held for sale are determined based on the allocation of participating interests sold and retained and are included in net gain on sales of SBA loans in the accompanying consolidated statements of income. Direct loan origination costs and fees related to SBA loans held for sale are deferred upon origination and are recognized as an adjustment to the gain or loss on the date of sale. SBA loans held for sale are sold on a servicing retained basis.
Transfers of Financial Assets	Transfers of Financial Assets The Company accounts for transfers and servicing of financial assets in accordance with FASB ASC 860, Transfers and Servicing . Transfers of financial assets are accounted for as sales only when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free from conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Transfers of a portion of a loan must meet the criteria of a participating interest. If it does not meet the criteria of a participating interest, the transfer must be accounted for as a secured borrowing. In order to meet the criteria for a participating interest, all cash flows from the loan must be divided proportionately, the rights of each loan holder must have the same priority, and the loan holders must have no recourse to the transferor other than standard representations and warranties and no loan holder has the right to pledge or exchange the entire loan. The Company sells financial assets in the normal course of business, the majority of which are related to the SBA-guaranteed portion of loans, residential mortgage loan sales through established programs, and commercial loan sales through participation agreements. In accordance with accounting guidance for asset transfers, the Company considers any ongoing involvement with transferred assets in determining whether the assets can be derecognized from the balance sheet. With the exception of servicing and certain performance-based guarantees, the Company’s continuing involvement with financial assets sold is minimal and generally limited to market customary representation and warranty clauses. When the Company sells financial assets, it may retain servicing rights and/or other interests in the financial assets. The gain or loss on sale depends on the previous carrying amount of the transferred financial assets, the servicing right recognized, and the consideration received and any liabilities incurred in exchange for the transferred assets. Upon transfer, any servicing assets and other interests held by the Company are carried at the lower of cost or fair value , with the exception of mortgage servicing rights related to sales of residential mortgage loans, which are carried at fair value.
Loans and Allowance for Loan Losses	Loans and Allowance for Loan Losses Loans Held for Investment Loans are stated at unpaid principal balances, less net deferred loan fees and the allowance for loan losses. Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of deferred loan fees is discontinued when a loan is placed on nonaccrual status. Nonaccrual Loans The recognition of income on a loan is discontinued and previously accrued interest is reversed when interest or principal payments become 90 days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income on nonaccrual loans is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss is considered remote. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. Loan Charge-Offs For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs of loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 45 days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon when the carrying value of the loan exceeds the property’s fair value, less estimated costs to sell. Allowance for Loan Losses The allowance for loan losses reflects management’s judgment of probable incurred loan losses at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company evaluates the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment. A specific reserve is established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan is lower than the carrying value of that loan. The general component covers loans not considered to be impaired. Such loans are pooled by segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 60‑month period. Prior to 2017, management used a 36‑month historical loss period as the basis for its allowance for loan losses methodology. However, based on the Company’s loss history and changes in the loan portfolio, management determined that a 60‑month historical loss history was appropriate and updated its methodology in 2017. The Company's historical loss experience is then adjusted for qualitative factors that are reviewed on a quarterly basis based on the risks present for each portfolio segment. Management considers changes and trends in the following qualitative loss factors: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in the volume and term of new loan originations; national and local economic trends and conditions; changes in lending policies, procedures and practices; changes in the experience and ability of lending management and other staff; changes in the quality and depth of the Company's loan review system; trends in collateral valuation in the Company’s lending area; and other factors as determined by management. Each qualitative factor is evaluated and a qualitative factor adjustment is applied to the actual historical loss factors in determining the adjusted loss factors used in management’s allowance for loan losses adequacy calculation. Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary. The following portfolio segments are considered in the allowance for loan loss analysis: residential real estate, commercial real estate, multi-family residential real estate, construction, land and land development, commercial business and consumer. Residential real estate loans primarily consist of loans to individuals for the purchase or refinance of their primary residence, with a small portion of the segment secured by non-owner-occupied residential investment properties. The risks associated with residential real estate loans are closely correlated to the local housing market and general economic conditions, as repayment of the loans is primarily dependent on the borrower’s or tenant’s personal cash flow and employment status. Commercial real estate loans are comprised of loans secured by various types of collateral including office buildings, warehouses, retail space and mixed use buildings located in the Company’s primary lending area and in other states. Risks related to commercial real estate lending are related to the market value of the property taken as collateral, the underlying cash flows and general economic conditions. Repayment of these loans is generally dependent on the ability of the borrower to attract tenants at lease rates that provide for adequate debt service and can be impacted by general economic conditions, which impact vacancy rates. The Company generally obtains loan guarantees from financially capable parties for commercial real estate loans. Multi-family residential real estate loans primarily consist of loans secured by apartment buildings and other multi-tenant developments generally located in the Company’s primary lending area. Repayment of these loans is primarily dependent on the borrower’s ability to attract tenants and collect rents that provide for adequate debt service. The risks associated with these loans are closely correlated to the local housing market and general economic conditions. Construction loans consist of single-family residential properties, multi-family properties and commercial projects, and include both owner-occupied and speculative investment properties. Risks inherent in construction lending are related to the market value of the property held as collateral, the cost and timing of constructing or improving a property, the borrower’s ability to use funds generated by a project to service a loan until a project is completed, movements in interest rates and the real estate market during the construction phase, and the ability of the borrower to obtain permanent financing. Land and land development loans primarily consist of loans secured by farmland and vacant land held for long-term investment or development. The risks associated with land and land development loans are related to the market value of the property taken as collateral and the underlying cash flows for loans secured by farmland, and general economic conditions. Commercial business loans include lines of credit to businesses, term loans and letters of credit secured by business assets such as equipment, accounts receivable, inventory, or other assets excluding real estate and are generally made to finance capital expenditures or fund operations. Commercial loans contain risks related to the value of the collateral securing the loan and the repayment is primarily dependent upon the financial success and viability of the borrower. As with commercial real estate loans, the Company generally obtains loan guarantees from financially capable parties for commercial business loans. Consumer loans consist primarily of home equity lines of credit and other loans secured by junior liens on the borrower’s personal residence, home improvement loans, automobile and truck loans, boat loans, mobile home loans, loans secured by savings deposits and other personal loans. The risks associated with these loans are related to the local housing market and local economic conditions including the unemployment level. Other than the change from a 36‑month historical loss period to a 60‑month historical loss period in 2017 discussed above, there were no significant changes to the Company’s accounting policies or methodology used to estimate the allowance for loan losses during the years ended September 30, 2019, 2018, and 2017. Impaired Loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either 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. Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, costs to complete unfinished or repair damaged property and other known defects. New appraisals are generally obtained for all significant properties when a loan is identified as impaired. Generally, a property is considered significant if the value of the property is estimated to exceed $250,000. Subsequent appraisals are obtained as needed or if management believes there has been a significant change in the market value of a collateral property securing an impaired loan. In instances where it is not deemed necessary to obtain a new appraisal, management would base its impairment and allowance for loan loss analysis on the original appraisal with adjustments for current conditions based on management’s assessment of market factors and management’s inspection of the property. Troubled Debt Restructurings The modification of a loan is considered to be a troubled debt restructuring (“TDR”) if the debtor is experiencing financial difficulties and the Company grants a concession to the debtor that it would not otherwise consider. By granting the concession, the Company expects to obtain more cash or other value from the debtor, or to increase the probability of receipt, than would be expected by not granting the concession. The concession may include, but is not limited to, reduction of the stated interest rate of the loan, reduction of accrued interest, extension of the maturity date or reduction of the face amount of the debt. A concession will be granted when, as a result of the restructuring, the Company does not expect to collect all amounts due, including interest at the original stated rate. A concession may also be granted if the debtor is not able to access funds elsewhere at a market rate for debt with similar risk characteristics as the restructured debt. The Company’s determination of whether a loan modification is a TDR considers the individual facts and circumstances surrounding each modification. A TDR can involve loans remaining on nonaccrual, moving to nonaccrual or continuing on accrual status, depending on the individual facts and circumstances of the borrower. Generally, a nonaccrual loan that is restructured in a TDR remains on nonaccrual status for a period of at least six months following the restructuring in order to ensure that the borrower performs in accordance with the restructured terms, including consistent and timely payments of at least six consecutive months according to the restructured terms.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. The Company uses the straight line method of computing depreciation at rates adequate to amortize the cost of the applicable assets over their estimated useful lives. Maintenance and repairs are expensed as incurred. The cost and related accumulated depreciation of assets sold, or otherwise disposed of, are removed from the related accounts and any gain or loss is included in earnings.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned includes formally foreclosed property, property obtained via a deed in lieu of foreclosure and former banking facilities held for sale. At the time of acquisition, foreclosed real estate is recorded at its fair value, less estimated costs to sell, which becomes the property’s new cost basis. Any write-downs based on the property’s fair value at the date of acquisition are charged to the allowance for loan losses. After acquisition or the decision to classify property as held for sale, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value, less estimated costs to sell. Costs incurred in maintaining other real estate owned and subsequent impairment adjustments to the carrying amount of a property, if any, are included in noninterest expense.
Cash Surrender Value of Life Insurance	Cash Surrender Value of Life Insurance The Bank has purchased life insurance policies on certain directors, officers and key employees to help offset costs associated with the Bank’s compensation and benefit programs. The Bank is the owner and is a joint or sole beneficiary of the policies. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Income from the increase in cash surrender value of the policies and income from the recognition of death benefits is reported in noninterest income.
Goodwill and Other Intangibles	Goodwill and Other Intangibles Goodwill recognized in a business combination represents the excess of the fair value of consideration transferred over the fair value of assets acquired and liabilities assumed. Goodwill is evaluated for possible impairment at least annually or more frequently upon the occurrence of an event or change in circumstances that would more likely than not reduce the fair value of the reporting unit below its carrying amount. Such circumstances could include, but are not limited to: (1) a significant adverse change in legal factors or in business climate, (2) unanticipated competition, or (3) an adverse action or assessment by a regulator. Other intangible assets consist of acquired core deposit intangibles. Core deposit intangibles are amortized over the estimated economic lives of the acquired core deposits. The carrying amount of core deposit intangibles and the remaining estimated economic life are evaluated annually or whenever events or circumstances indicate the carrying amount may not be recoverable or the remaining period of amortization requires revision.
Derivative Financial Instruments	Derivative Financial Instruments In connection with the origination of residential mortgage loans to be sold in the secondary market, the Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 15 to 60 days. The Company also enters into forward mortgage loan commitments to sell to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts are considered derivatives and are recorded on the balance sheet at fair value in accordance with FASB ASC 815, Derivatives and Hedging , with changes in fair value recorded in mortgage banking income in the accompanying consolidated statements of income. All such derivatives are considered stand-alone derivatives and have not been formally designated as hedges by management.
Securities Lending and Financing Arrangements	Securities Lending and Financing Arrangements Securities purchased under agreements to resell (reverse repurchase agreements) and securities sold under agreements to repurchase (repurchase agreements) are treated as collateralized lending and borrowing transactions, respectively, and are carried at the amounts at which the securities were initially acquired or sold.
Benefit Plans	Benefit Plans The Bank provides a contributory defined contribution plan available to all eligible employees. The Company also established a leveraged employee stock ownership plan (“ESOP”) on October 6, 2008 that includes substantially all employees. The Company accounts for the ESOP in accordance with FASB ASC 718‑40, Employee Stock Ownership Plans . Dividends declared on allocated shares are recorded as a reduction of retained earnings and paid to the participants’ accounts or used for additional debt service on the ESOP loan. Dividends declared on unallocated shares are not considered dividends for financial reporting purposes and are used for additional debt service on the ESOP loan. As shares are committed to be released for allocation to participants’ accounts, compensation expense is recognized based on the average fair value of the shares and the shares become available for earnings per share calculations.
Stock Based Compensation	Stock Based Compensation The Company has adopted the fair value based method of accounting for stock-based compensation prescribed in FASB ASC 718‑20, Compensation – Stock Compensation , for its stock compensation plans.
Income Taxes	Income Taxes When income tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while other positions are subject to some degree of uncertainty regarding the merits of the position taken or the amount of the position that would be sustained. The Company recognizes the benefits of a tax position in the consolidated financial statements of the period during which, based on all available evidence, management believes it is more-likely-than-not (more than 50 percent probable) that the tax position would be sustained upon examination. Income tax positions that meet the more-likely-than-not threshold are measured as the largest amount of income tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with the income tax positions claimed on income tax returns that exceeds the amount measured as described above is reflected as a liability for unrecognized income tax benefits in the consolidated balance sheets, along with any associated interest and penalties that would be payable to the taxing authorities, if there were an examination. Interest and penalties associated with unrecognized income tax benefits are classified as additional income taxes in the consolidated statements of income. Income taxes are provided for the tax effects of the transactions reported in the financial statements and consist of taxes currently due plus deferred income taxes. Income tax reporting and financial statement reporting rules differ in many respects. As a result, there will often be a difference between the carrying amount of an asset or liability as presented in the accompanying consolidated balance sheets and the amount that would be recognized as the tax basis of the same asset or liability computed based on the effects of tax positions recognized, as described in the preceding paragraph. These differences are referred to as temporary differences because they are expected to reverse in future years. Deferred income tax assets are recognized for temporary differences where their future reversal will result in future tax benefits. Deferred income tax assets are also recognized for the future tax benefits expected to be realized from net operating loss or tax credit carryforwards. Deferred income tax liabilities are recognized for temporary differences where their future reversal will result in the payment of future income taxes. Deferred income tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or all of the deferred income tax assets will not be realized. Deferred tax assets and liabilities are reflected at income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes.
Advertising Costs	Advertising Costs Advertising costs are charged to operations when incurred.
Comprehensive Income	Comprehensive Income Comprehensive income consists of reported net income and other comprehensive income. Other comprehensive income, recognized as a separate component of equity, includes the change in unrealized gains and losses on securities available for sale. Amounts reclassified out of unrealized gains or losses on securities available for sale included in accumulated other comprehensive income or loss are included in the net gain (loss) on sales of available for sale securities and other than temporary impairment loss on securities line items in the consolidated statements of income.
Loss Contingencies	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Recent Accounting Pronouncements	Recent Accounting Pronouncements The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company: In February 2016, the FASB issued ASU No. 2016‑02, Leases (Topic 842) . The guidance supersedes existing guidance on accounting for leases with the main difference being that operating leases are to be recorded in the balance sheet as right-of-use assets and lease liabilities, initially measured at the present value of the lease payments. For operating leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election not to recognize lease assets and liabilities. For public business entities, the guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application of the guidance is permitted. In transition, entities are required to recognize and measure leases at the beginning of the earliest period presented using a modified retrospective approach. In July 2018, the FASB issued ASU No. 2018‑11, Leases (Topic 842): Targeted Improvements , which provides an additional, optional transition method related to implementing the new leases standard. ASU 2018‑11 provides that companies can initially apply the new leases standard at adoption and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Management is evaluating the new guidance and expects to report increased assets and liabilities as a result of recording right-of-use assets and lease liabilities. However, based on current lease obligations, the adoption is expected to increase the Company’s consolidated balance sheets by less than 5% and not have a material impact on the Company’s and the Bank’s regulatory capital ratios. In June 2016, the FASB issued ASU No. 2016‑13, Financial Instruments – Credit Losses (Topic 326) . The update replaces the incurred loss methodology for recognizing credit losses under current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. Under the new guidance, an entity will measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. The expected loss model will apply to loans and leases, unfunded lending commitments, held-to-maturity debt securities and other debt instruments measured at amortized cost. The impairment model for available-for-sale debt securities will require the recognition of credit losses through a valuation allowance when fair value is less than amortized cost, regardless of whether the impairment is considered to be other-than-temporary. For the Company, the amendments in the update were originally effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Company is currently assessing the impact the guidance will have upon adoption. Management expects to recognize a one-time cumulative-effect adjustment to the allowance for loan losses through retained earnings as of the beginning of the first reporting period in which the new standard is effective; however, the magnitude of the adjustment is unknown. In planning for the implementation of ASU 2016‑13, management is currently evaluating software solutions, data requirements and loss methodologies. In November 2019, the FASB issued ASU No. 2019-10 which delayed the effective date of ASU 2016-13 for smaller reporting companies (as defined by the SEC) and other non-SEC reporting entities to fiscal years beginning after December 15, 2022, including interim periods within those fiscal periods. Early adoption is permitted as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. In March 2017, the FASB issued ASU No. 2017‑08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310‑20) – Premium Amortization on Purchased Callable Debt Securities . The update shortens the amortization period for certain callable debt securities held at a premium. Specifically, the update requires the premium to be amortized to the earliest call date. The update does not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The amendments in the update are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The adoption of this update is not expected to have a material impact on the Company’s consolidated financial position or results of operations. In August 2018, the FASB issued ASU No. 2018‑13, Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement . The update removes, modifies and adds certain disclosure requirements for fair value measurements. Among other changes, entities will no longer be required to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, the policy for timing of transfers between levels and the valuation processes for Level 3 fair value measurements, but will be required to disclose the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. The amendments in the update are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted upon issuance of the update. The adoption of this update is not expected to have a material impact on the Company’s consolidated financial position or results of operations.

ACQUISITION OF DEARMIN BANCOR_2

ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON (Tables)	12 Months Ended
	Sep. 30, 2019
ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON
Schedule of estimated fair values of assets acquired and liabilities assumed	Following is a condensed balance sheet providing the estimated fair values of the assets acquired and the liabilities assumed as of the date of acquisition: (In thousands) Cash and due from banks $ 1,310 Interest-bearing deposits with banks 15,957 Interest-bearing time deposits with banks 3,817 Investment securities 39,978 Loans, net 34,467 Premises and equipment 1,125 Goodwill arising in the acquisition 1,912 Core deposit intangible 1,487 Other assets 2,890 Total assets acquired 102,943 Deposit accounts 91,765 Net deferred tax liabilities 205 Other liabilities 373 Total liabilities assumed 92,343 Total consideration $ 10,600

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Sep. 30, 2019
INVESTMENT SECURITIES
Summary of Reported Net Gains On Trading Account Securities	The following is a summary of the reported net gains on trading account securities for the years ended September 30, 2018 and 2017: (In thousands) 2018 2017 Net realized gain on sales $ 43 $ 229 Net unrealized loss on securities held as of the balance sheet date — (29) Net gain on trading account securities $ 43 $ 200
Schedule of Amortized Cost and Securities Available For Sale	The amortized cost of securities available for sale and held to maturity and their approximate fair values are as follows: Gross Gross Amortized Unrealized Unrealized Fair (In thousands) Cost Gain Losses Value September 30, 2019: Securities available for sale: Agency mortgage-backed $ 13,743 $ 366 $ 12 $ 14,097 Agency CMO 8,834 221 7 9,048 Privately-issued CMO 1,242 142 2 1,382 Privately-issued ABS 1,022 156 — 1,178 SBA certificates 1,119 41 6 1,154 Municipal bonds 141,995 8,465 17 150,443 Total securities available for sale $ 167,955 $ 9,391 $ 44 $ 177,302 Securities held to maturity: Agency mortgage-backed $ 102 $ 7 $ — $ 109 Municipal bonds 2,234 327 — 2,561 Total securities held to maturity $ 2,336 $ 334 $ — $ 2,670 Gross Gross Amortized Unrealized Unrealized Fair (In thousands) Cost Gain Losses Value September 30, 2018: Securities available for sale: Agency mortgage-backed $ 31,686 $ 90 $ 646 $ 31,130 Agency CMO 10,754 — 313 10,441 Privately-issued CMO 1,434 148 3 1,579 Privately-issued ABS 1,538 346 — 1,884 SBA certificates 1,305 53 7 1,351 Municipal bonds 137,144 2,189 1,345 137,988 Total securities available for sale $ 183,861 $ 2,826 $ 2,314 $ 184,373 Securities held to maturity: Agency mortgage-backed $ 134 $ 8 $ — $ 142 Municipal bonds 2,473 281 — 2,754 Total securities held to maturity $ 2,607 $ 289 $ — $ 2,896
Schedule of Amortized Cost and Fair Value of Investment Securities by Contractual Maturity	The amortized cost and fair value of available for sale and held to maturity debt securities as of September 30, 2019 by contractual maturity are shown below. Expected maturities of mortgage and other asset-backed securities may differ from contractual maturities because the mortgages and other assets underlying the obligations may be prepaid without penalty. Available for Sale Held to Maturity Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value Due within one year $ 2,676 $ 2,713 $ 248 $ 278 Due after one year through five years 23,170 23,846 1,006 1,139 Due after five years through ten years 28,248 29,955 779 907 Due after ten years 87,901 93,929 201 237 CMO 10,076 10,430 — — ABS 1,022 1,178 — — SBA certificates 1,119 1,154 — — Mortgage-backed securities 13,743 14,097 102 109 $ 167,955 $ 177,302 $ 2,336 $ 2,670
Schedule of Investment Securities With Gross Unrealized Losses	Information pertaining to securities with gross unrealized losses at September 30, 2019 and 2018, aggregated by investment category and the length of time that individual securities have been in a continuous loss position, follows: Number of Gross Investment Fair Unrealized (Dollars in thousands) Positions Value Losses September 30, 2019: Securities available for sale: Continuous loss position less than twelve months: Agency mortgage-backed 3 $ 1,248 $ 1 Agency CMO 1 1,962 1 Municipal bonds 3 1,694 16 Total less than twelve months 7 4,904 18 Continuous loss position more than twelve months: Agency mortgage-backed 2 785 11 Agency CMO 2 956 6 Privately-issued CMO 1 33 2 SBA certificates 1 451 6 Municipal bonds 1 140 1 Total more than twelve months 7 2,365 26 Total securities available for sale 14 $ 7,269 $ 44 September 30, 2018: Securities available for sale: Continuous loss position less than twelve months: Agency mortgage-backed 15 $ 14,814 $ 313 Agency CMO 4 2,560 54 Municipal bonds 93 44,162 944 Total less than twelve months 112 61,536 1,311 Continuous loss position more than twelve months: Agency mortgage-backed 11 9,283 333 Agency CMO 9 7,881 259 Privately-issued CMO 1 37 3 SBA certificates 1 617 7 Municipal bonds 8 6,106 401 Total more than twelve months 30 23,924 1,003 Total securities available for sale 142 $ 85,460 $ 2,314
Summary of Reported Gross Gains And Losses On Sales Of Available For Sale Securities	The following is a summary of the reported gross gains and losses on sales of available for sale securities and time deposits for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Gross realized gains on sales $ 68 $ 119 $ 96 Gross realized losses on sales (142) (20) (66) Net realized gain (loss) on sales of available for sale securities and time deposits $ (74) $ 99 $ 30

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Sep. 30, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Schedule of Loans	Loans at September 30, 2019 and 2018 consisted of the following: (In thousands) 2019 2018 Real estate mortgage: 1-4 family residential $ 198,067 $ 195,274 Commercial 436,020 343,498 Multifamily residential 38,226 28,814 Residential construction 12,545 19,527 Commercial construction 6,995 8,669 Land and land development 10,536 10,504 Commercial business 73,034 67,786 Consumer: Home equity 28,651 24,635 Auto 13,347 11,720 Other consumer 2,663 2,918 Total loans 820,084 713,345 Deferred loan origination fees and costs, net 614 249 Allowance for loan losses (10,040) (9,323) Loans, net $ 810,658 $ 704,271
Summary of Activity for Related Party Loans	The following is a summary of activity for related party loans for the years ended September 30, 2019 and 2018: (In thousands) 2019 2018 Beginning balance $ 8,231 $ 10,299 New loans and advances 3,906 2,521 Repayments (2,875) (4,515) Reclassifications due to officer and director changes (147) (74) Ending balance $ 9,115 $ 8,231
Schedule of Components of Recorded Investment in Loans	The following table provides the components of the recorded investment in loans as of September 30, 2019: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) Recorded Investment in Loans: Principal loan balance $ 198,067 $ 436,020 $ 38,226 $ 19,540 $ 10,536 $ 73,034 $ 44,661 $ 820,084 Accrued interest receivable 627 1,922 99 117 29 448 87 3,329 Net deferred loan origination fees and costs (98) 408 (33) 3 (1) 366 (31) 614 Recorded investment in loans $ 198,596 $ 438,350 $ 38,292 $ 19,660 $ 10,564 $ 73,848 $ 44,717 $ 824,027 Recorded Investment in Loans as Evaluated for Impairment: Individually evaluated for impairment $ 4,448 $ 7,647 $ — $ — $ — $ 105 $ 234 $ 12,434 Collectively evaluated for impairment 194,148 430,703 38,292 19,660 10,564 73,743 44,483 811,593 Recorded investment in loans $ 198,596 $ 438,350 $ 38,292 $ 19,660 $ 10,564 $ 73,848 $ 44,717 $ 824,027 The following table provides the components of the recorded investment in loans as of September 30, 2018: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) Recorded Investment in Loans: Principal loan balance $ 195,274 $ 343,498 $ 28,814 $ 28,196 $ 10,504 $ 67,786 $ 39,273 $ 713,345 Accrued interest receivable 589 1,403 81 156 24 365 69 2,687 Net deferred loan origination fees and costs (62) 104 (30) (5) (4) 275 (29) 249 Recorded investment in loans $ 195,801 $ 345,005 $ 28,865 $ 28,347 $ 10,524 $ 68,426 $ 39,313 $ 716,281 Recorded Investment in Loans as Evaluated for Impairment: Individually evaluated for impairment $ 5,107 $ 7,719 $ — $ — $ 27 $ 231 $ 243 $ 13,327 Collectively evaluated for impairment 190,694 337,286 28,865 28,347 10,497 68,195 39,070 702,954 Recorded investment in loans $ 195,801 $ 345,005 $ 28,865 $ 28,347 $ 10,524 $ 68,426 $ 39,313 $ 716,281
Schedule of Allowance for Loan Losses	The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2019 and 2018: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) 2019: Individually evaluated for impairment $ 10 $ 512 $ — $ — $ — $ — $ 23 $ 545 Collectively evaluated for impairment 328 5,869 478 421 209 1,639 551 9,495 Ending balance $ 338 $ 6,381 $ 478 $ 421 $ 209 $ 1,639 $ 574 $ 10,040 2018: Individually evaluated for impairment $ 7 $ 492 $ — $ — $ — $ — $ 12 $ 511 Collectively evaluated for impairment 267 6,333 195 580 210 1,041 186 8,812 Ending balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2019, 2018, and 2017: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) 2019: Beginning balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 Provisions 55 128 283 (159) (1) 664 493 1,463 Charge-offs (21) (574) — — — (79) (174) (848) Recoveries 30 2 — — — 13 57 102 Ending balance $ 338 $ 6,381 $ 478 $ 421 $ 209 $ 1,639 $ 574 $ 10,040 2018: Beginning balance $ 252 $ 5,739 $ 106 $ 810 $ 223 $ 839 $ 123 $ 8,092 Provisions 14 1,086 89 (230) (13) 190 217 1,353 Charge-offs (98) — — — — — (223) (321) Recoveries 106 — — — — 12 81 199 Ending balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 2017: Beginning balance $ 335 $ 5,160 $ 109 $ 845 $ 295 $ 284 $ 94 $ 7,122 Provisions 15 569 (3) (35) (72) 738 89 1,301 Charge-offs (169) — — — — (200) (116) (485) Recoveries 71 10 — — — 17 56 154 Ending balance $ 252 $ 5,739 $ 106 $ 810 $ 223 $ 839 $ 123 $ 8,092
Schedule of Impaired Loans Individually Evaluated for Impairment	The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2019. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2019. Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) Loans with no related allowance recorded: Residential real estate $ 4,438 $ 4,967 $ — $ 5,037 $ 115 Commercial real estate 5,401 5,408 — 6,337 305 Multifamily — — — — — Construction — — — — — Land and land development — — — 6 — Commercial business 105 106 — 215 7 Consumer 78 81 — 107 4 $ 10,022 $ 10,562 $ — $ 11,702 $ 431 Loans with an allowance recorded: Residential real estate $ 10 $ 7 $ 10 $ 122 $ — Commercial real estate 2,246 2,637 512 2,126 — Multifamily — — — — — Construction — — — — — Land and land development — — — — — Commercial business — — — 28 — Consumer 156 155 23 157 — $ 2,412 $ 2,799 $ 545 $ 2,433 $ — Total: Residential real estate $ 4,448 $ 4,974 $ 10 $ 5,159 $ 115 Commercial real estate 7,647 8,045 512 8,463 305 Multifamily — — — — — Construction — — — — — Land and land development — — — 6 — Commercial business 105 106 — 243 7 Consumer 234 236 23 264 4 $ 12,434 $ 13,361 $ 545 $ 14,135 $ 431 The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2018. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2018. Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) Loans with no related allowance recorded: Residential real estate $ 4,833 $ 5,285 $ — $ 5,082 $ 142 Commercial real estate 6,568 6,715 — 6,694 312 Multifamily — — — — — Construction — — — — — Land and land development 27 28 — 29 — Commercial business 231 241 — 316 13 Consumer 122 123 — 120 4 $ 11,781 $ 12,392 $ — $ 12,241 $ 471 Loans with an allowance recorded: Residential real estate $ 274 $ 282 $ 7 $ 315 $ — Commercial real estate 1,151 1,293 492 256 — Multifamily — — — — — Construction — — — — — Land and land development — — — — — Commercial business — — — — — Consumer 121 128 12 137 — $ 1,546 $ 1,703 $ 511 $ 708 $ — Total: Residential real estate $ 5,107 $ 5,567 $ 7 $ 5,397 $ 142 Commercial real estate 7,719 8,008 492 6,950 312 Multifamily — — — — — Construction — — — — — Land and land development 27 28 — 29 — Commercial business 231 241 — 316 13 Consumer 243 251 12 257 4 $ 13,327 $ 14,095 $ 511 $ 12,949 $ 471 The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2017. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2017. Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) Loans with no related allowance recorded: Residential real estate $ 4,745 $ 4,980 $ — $ 4,377 $ 144 Commercial real estate 5,477 5,645 — 5,997 204 Multifamily — — — — — Construction — — — — — Land and land development 30 30 — 221 1 Commercial business 192 199 — 209 6 Consumer 95 95 — 141 4 $ 10,539 $ 10,949 $ — $ 10,945 $ 359 Loans with an allowance recorded: Residential real estate $ 224 $ 268 $ 2 $ 294 $ — Commercial real estate — — — — — Multifamily — — — — — Construction — — — — — Land and land development — — — — — Commercial business — — — 130 — Consumer 101 101 21 94 — $ 325 $ 369 $ 23 $ 518 $ — Total: Residential real estate $ 4,969 $ 5,248 $ 2 $ 4,671 $ 144 Commercial real estate 5,477 5,645 — 5,997 204 Multifamily — — — — — Construction — — — — — Land and land development 30 30 — 221 1 Commercial business 192 199 — 339 6 Consumer 196 196 21 235 4 $ 10,864 $ 11,318 $ 23 $ 11,463 $ 359
Schedule of Nonperforming Loans	Nonperforming loans consist of nonaccrual loans and loans over 90 days past due and still accruing interest. The following table presents the recorded investment in nonperforming loans at September 30, 2019 and 2018: At September 30, 2019 At September 30, 2018 Loans 90+ Loans 90+ Days Total Days Total Nonaccrual Past Due Nonperforming Nonaccrual Past Due Nonperforming Loans Still Accruing Loans Loans Still Accruing Loans (In thousands) Residential real estate $ 2,580 $ 12 $ 2,592 $ 2,711 $ 91 $ 2,802 Commercial real estate 2,425 — 2,425 1,284 — 1,284 Multifamily — — — — — — Construction — — — — — — Land and land development — — — 27 — 27 Commercial business — — — — — — Consumer 163 — 163 160 — 160 Total $ 5,168 $ 12 $ 5,180 $ 4,182 $ 91 $ 4,273
Schedule of Aging of Recorded Investment in Past Due Loans	The following table presents the aging of the recorded investment in past due loans at September 30, 2019: 30-59 Days 60-89 Days 90+ Days Total Total Past Due Past Due Past Due Past Due Current Loans (In thousands) Residential real estate $ 1,619 $ 577 $ 1,121 $ 3,317 $ 195,279 $ 198,596 Commercial real estate 892 772 1,523 3,187 435,163 438,350 Multifamily — — — — 38,292 38,292 Construction — — — — 19,660 19,660 Land and land development — — — — 10,564 10,564 Commercial business 182 — — 182 73,666 73,848 Consumer 77 17 19 113 44,604 44,717 Total $ 2,770 $ 1,366 $ 2,663 $ 6,799 $ 817,228 $ 824,027 The following table presents the aging of the recorded investment in past due loans at September 30, 2018: 30-59 Days 60-89 Days 90+ Days Total Total Past Due Past Due Past Due Past Due Current Loans (In thousands) Residential real estate $ 2,088 $ 649 $ 1,202 $ 3,939 $ 191,862 $ 195,801 Commercial real estate 696 — 210 906 344,099 345,005 Multifamily — — — — 28,865 28,865 Construction — — — — 28,347 28,347 Land and land development — 27 — 27 10,497 10,524 Commercial business 7 — — 7 68,419 68,426 Consumer 43 37 32 112 39,201 39,313 Total $ 2,834 $ 713 $ 1,444 $ 4,991 $ 711,290 $ 716,281
Schedule of Investment in Loans by Risk Category	The following table presents the recorded investment in loans by risk category as of the date indicated: Residential Commercial Land and Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) September 30, 2019: Pass $ 194,591 $ 424,989 $ 37,823 $ 19,660 $ 10,564 $ 71,050 $ 44,618 $ 803,295 Special Mention — 904 — — — — — 904 Substandard 3,946 12,457 469 — — 2,798 97 19,767 Doubtful 59 — — — — — 2 61 Loss — — — — — — — — Total $ 198,596 $ 438,350 $ 38,292 $ 19,660 $ 10,564 $ 73,848 $ 44,717 $ 824,027 September 30, 2018: Pass $ 190,647 $ 338,256 $ 28,365 $ 28,347 $ 10,207 $ 66,162 $ 39,246 $ 701,230 Special Mention 19 — — — 290 — — 309 Substandard 5,061 6,749 500 — 27 2,264 67 14,668 Doubtful 74 — — — — — — 74 Loss — — — — — — — — Total $ 195,801 $ 345,005 $ 28,865 $ 28,347 $ 10,524 $ 68,426 $ 39,313 $ 716,281
Schedule of Investment in Troubled Debt Restructurings by Class of Loan and Accrual Status	The following table summarizes TDRs by accrual status at September 30, 2019 and 2018. There was $5,000 of specific reserve included in the allowance for loan losses related to TDRs at September 30, 2018. There was no specific reserve included in the allowance for loan losses related to TDRs at September 30, 2019. Accruing Nonaccrual Total (In thousands) September 30, 2019: Residential real estate $ 1,868 $ 351 $ 2,219 Commercial real estate 5,222 59 5,281 Commercial business 105 — 105 Consumer 70 — 70 Total $ 7,265 $ 410 $ 7,675 September 30, 2018: Residential real estate $ 2,396 $ 21 $ 2,417 Commercial real estate 6,435 65 6,500 Commercial business 231 — 231 Consumer 83 — 83 Total $ 9,145 $ 86 $ 9,231
Schedule of Troubled Debt Restructurings	The following table summarizes information in regard to TDRs that were restructured during the years ended September 30, 2018 and 2017. There were no TDRs that were restructured during the year ended September 30, 2019. Pre- Post- Modification Modification Number of Principal Principal Loans Balance Balance (Dollars in thousands) September 30, 2018: Residential real estate 1 $ 140 $ 120 Commercial real estate 1 1,674 1,674 Commercial business 1 170 170 Consumer 1 3 3 Total 4 $ 1,987 $ 1,967 September 30, 2017: Residential real estate 2 $ 473 $ 474 Commercial real estate 1 233 233 Land and land development 1 31 32 Commercial business 1 103 103 Total 5 $ 840 $ 842
Schedule Of Loan Servicing Fees	An analysis of loan servicing fees on SBA loans for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Late fees and ancillary fees earned $ 41 $ 17 $ 47 Net servicing income (costs) 1,245 863 (9) SBA net servicing fees (costs) $ 1,286 $ 880 $ 38
Schedule of Valuation Allowance for Impairment of Recognized Servicing Assets	An analysis of the valuation allowance related to SBA loan servicing rights for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Balance as of October 1 $ 177 $ — $ — Additions charged to earnings 113 177 — Write-downs charged against allowance (142) — — Balance as of September 30 $ 148 $ 177 $ —
SBA Loan Servicing Rights [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Schedule of Fair Value Assumption, Date of Securitization or Asset-backed Financing Arrangement, Transferor's Continuing Involvement, Servicing Assets or Liabilities	Key assumptions used to estimate the fair value of the SBA loan servicing rights at September 30, 2019 and 2018 were as follows: Range of Assumption (Weighted Average) Assumption 2019 2018 Discount rate 6.82% to 26.61% (11.11%) 10.84% to 23.22% (14.63%) Prepayment rate 6.80% to 21.17% (14.10%) 4.32% to 14.43% (10.08%)
Schedule of Loan Servicing Rights	An analysis of SBA loan servicing rights for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Balance as of October 1 $ 2,405 $ 1,389 $ 310 Servicing rights capitalized 1,334 1,565 1,188 Amortization (596) (372) (109) Direct write-offs (142) — — Change in valuation allowance 29 (177) — Balance as of September 30 $ 3,030 $ 2,405 $ 1,389
Mortgage Servicing Rights [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Schedule of Fair Value Assumption, Date of Securitization or Asset-backed Financing Arrangement, Transferor's Continuing Involvement, Servicing Assets or Liabilities	Key assumptions used to estimate the fair value of the MSRs at September 30, 2019 were as follows: Assumption Range of Assumption (Weighted Average) Discount rate 9.25% Prepayment rate 4.42% to 72.79% (18.75%)
Schedule of Loan Servicing Rights	Changes in the carrying value of MSRs accounted for at fair value for the year ended September 30, 2019 were as follows: (In thousands) 2019 Fair value as of October 1 $ — Servicing rights capitalized 940 Changes in fair value related to: Loan repayments (6) Changes in valuation model inputs or assumptions — Fair value as of September 30 $ 934

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Sep. 30, 2019
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	Premises and equipment consisted of the following at September 30, 2019 and 2018: (In thousands) 2019 2018 Land and land improvements $ 2,816 $ 4,582 Office buildings 17,575 10,592 Leasehold improvements 61 61 Furniture, fixtures and equipment 6,596 6,100 Construction in progress 1,193 — 28,241 21,335 Less: accumulated depreciation (9,003) (8,322) Totals $ 19,238 $ 13,013 Depreciation expense recognized for premises and equipment for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Depreciation expense $ 1,305 $ 920 $ 820

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Sep. 30, 2019
REAL ESTATE DEVELOPMENT AND CONSTRUCTION
Other Real Estate, Roll Forward	Other real estate owned asset activity was as follows for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Balance as of October 1 $ 103 $ 852 $ 519 Acquired from FNBO — 31 — Transfers from loans to other real estate owned 114 133 703 Transfers from premises and equipment to REO 1,893 — — Direct write-downs — (63) (28) Sales (217) (827) (337) Other adjustments — (23) (5) Balance as of September 30 $ 1,893 $ 103 $ 852
Schedule Of Gain Loss On Other Real Estate Owned	Net (gain) loss on other real estate owned for the years ended September 30, 2019, 2018 and 2017 was as follows: (In thousands) 2019 2018 2017 Net gain on sales $ (78) $ (278) $ (198) Direct write-downs — 63 28 Operating expenses, net of rental income 21 55 57 $ (57) $ (160) $ (113)

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	12 Months Ended
	Sep. 30, 2019
GOODWILL AND OTHER INTANGIBLES
Changes in Carrying Amount of Goodwill	The changes in the carrying amount of goodwill for the years ended September 30, 2019, 2018 and 2017 are summarized as follows: (In thousands) 2019 2018 2017 Beginning balance $ 9,848 $ 7,936 $ 7,936 Acquisition of Dearmin/FNBO — 1,912 — Ending balance $ 9,848 $ 9,848 $ 7,936
Summary Of Other Intangible Assets	The following is a summary of other intangible assets subject to amortization: (In thousands) 2019 2018 Core deposit intangible acquired in Community First acquisition $ 2,741 $ 2,741 Core deposit intangible acquired in First Federal branch acquisition 566 566 Core deposit intangible acquired in Dearmin/FNBO acquisition 1,487 1,487 Less accumulated amortization (3,378) (3,067) Ending balance $ 1,416 $ 1,727
Schedule Of Intangible Assets Amortization Expenses	Amortization expense on intangibles for the years ended September 30, 2019, 2018 and 2017 is summarized as follows: (In thousands) 2019 2018 2017 Amortization expense $ 312 $ 453 $ 344
Estimated Amortization Expense For The Core Deposit Intangibles	Estimated amortization expense for the core deposit intangibles for each of the ensuing five years and in the aggregate is as follows: Years ending September 30: (In thousands) 2020 $ 214 2021 214 2022 214 2023 214 2024 163 2025 and thereafter 397 Total $ 1,416

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Sep. 30, 2019
DEPOSITS
Schedule of Deposits	Deposits at September 30, 2019 and 2018 consisted of the following: (In thousands) 2019 2018 Noninterest-bearing demand deposits $ 173,072 $ 167,705 NOW accounts 173,746 173,543 Money market accounts 121,281 107,124 Savings accounts 120,393 120,995 Retail time deposits 146,227 123,007 Brokered time deposits 99,665 118,738 Total $ 834,384 $ 811,112
Schedule Of Maturities Of Certificates Of Deposit	At September 30, 2019, scheduled maturities of time deposits were as follows: Years ending September 30: (In thousands) 2020 $ 178,397 2021 35,969 2022 13,584 2023 8,467 2024 9,475 Total $ 245,892

REPURCHASE AGREEMENTS (Tables)

REPURCHASE AGREEMENTS (Tables)	12 Months Ended
	Sep. 30, 2019
Schedule Of Repurchase Agreements	There we no repurchase agreements outstanding as of September 30, 2019. Repurchase agreements at September 30, 2018 are summarized as follows: 2018 Weighted Average (Dollars in thousands) Rate Amount Retail repurchase agreements 0.25 % $ 1,352
Retail Repurchase Agreements [Member]
Borrowings Under Repurchase Agreements	Information concerning borrowings under retail repurchase agreements as of and for the years ended September 30, 2019, 2018 and 2017 is summarized as follows: (Dollars in thousands) 2019 2018 2017 Weighted average interest rate during the year 0.25 % 0.25 % 0.25 % Average balance during the year $ 1,075 $ 1,350 $ 1,346 Maximum month-end balance during the year 1,354 1,352 1,348

BORROWINGS FROM FEDERAL HOME _2

BORROWINGS FROM FEDERAL HOME LOAN BANK (Tables)	12 Months Ended
	Sep. 30, 2019
BORROWINGS FROM FEDERAL HOME LOAN BANK
Borrowings from the FHLB	At September 30, 2019 and 2018 borrowings from the FHLB were as follows: 2019 2018 Weighted Weighted Average Average (Dollars in thousands) Rate Amount Rate Amount Advances maturing in: 2019 — % $ — 1.57 % $ 15,000 2020 1.88 40,000 1.86 25,000 2021 2.12 30,000 1.87 10,000 2022 2.01 10,000 2.01 10,000 2023 — — — — 2024 and beyond 1.34 130,000 1.26 30,000 Total advances 210,000 90,000 Line of credit balance 2.33 12,544 2.01 — Total borrowings from FHLB $ 222,544 $ 90,000

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	12 Months Ended
	Sep. 30, 2019
OTHER BORROWINGS
Schedule Of Interest Expenses On Other Borrowings	Interest expense recognized on other borrowings for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Subordinated note $ 1,277 $ 33 $ — Interest expense on other borrowings $ 1,277 $ 33 $ —

DEFERRED COMPENSATION PLANS (Ta

DEFERRED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2019
Director [Member]
Schedule of Deferred Directors Fees Expense	Deferred compensation expense for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Deferred compensation expense $ 80 $ 51 $ 80
Officer [Member]
Schedule of Deferred Directors Fees Expense	Deferred directors’ fees expense for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Deferred directors’ fee expense $ 263 $ 224 $ 194

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Sep. 30, 2019
BENEFIT PLANS
Schedule of Defined Benefit Plans Disclosures	Company contributions to the plan for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Company contributions to the plan $ 762 $ 576 $ 493

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2019
STOCK-BASED COMPENSATION PLANS
Schedule of Compensation Cost for Share-based Payment Arrangements, Allocation of Share-based Compensation Costs by Plan	(In thousands) 2019 2018 2017 Stock option expense $ 72 $ 68 $ 55 Restricted stock expense 173 148 121
Schedule Of Fair Value Of Options Granted	The fair value of options granted during the years ended September 30, 2019, 2018 and 2017 was determined using the following assumptions: Expected dividend yield 1.75 % Risk-free interest rate 2.13 % Expected volatility 14.6 % Expected life of options 7.5 years Weighted average fair value at grant date $ 6.13
Schedule Of Stock Option Activity	A summary of stock option activity as of September 30, 2019, and changes during the year then ended is presented below. Weighted Weighted Average Average Remaining Aggregate Number of Exercise Contractual Intrinsic Shares Price Term (Years) Value Outstanding at beginning of year 150,033 $ 24.88 Granted 2,400 59.23 Exercised (66,877) 14.21 Forfeited or expired (750) 40.09 Outstanding at end of year 84,806 $ 34.13 $ 2,495,000 Vested and expected to vest 84,806 $ 34.13 $ 2,495,000 Exercisable at end of year 46,439 $ 24.97 $ 1,782,000
Schedule Of Nonvested Restricted Shares Activity	A summary of the Company’s nonvested restricted shares activity as of September 30, 2019 and changes during the year then ended is presented below. Weighted Number Average of Grant Date Shares Fair Value Nonvested at October 1, 2018 14,812 $ 41.20 Granted 2,500 $ 59.23 Vested (3,653) $ 40.99 Forfeited (201) $ 40.09 Nonvested at September 30, 2019 13,458 $ 44.62

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Sep. 30, 2019
INCOME TAXES
Components of Income Tax Expense	The components of consolidated income tax expense were as follows for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Current $ 2,493 $ 1,753 $ 683 Valuation allowance 166 102 76 Deferred 436 567 1,761 Income tax expense $ 3,095 $ 2,422 $ 2,520
Reconciliation Of Income Tax Expense	The reconciliation of income tax expense with the amount which would have been provided at the federal statutory rate of 21% for the year ended September 30, 2019, blended federal statutory rate of 24.5% for the year ended September 30, 2018 and the federal statutory rate of 34% for the year ended September 30, 2017 follows: (In thousands) 2019 2018 2017 Provision at federal statutory rate $ 4,219 $ 3,616 $ 4,023 State income tax-net of federal tax benefit 327 110 234 Federal tax rate change – 2017 Tax Cut and Jobs Act — (145) — Tax-exempt interest income (890) (917) (1,082) Bank owned life insurance (111) (104) (210) Captive insurance net premiums (223) (208) (275) Increase in deferred tax valuation allowance 166 102 76 Historic tax credit — — (249) Other (393) (32) 3 Income tax expense $ 3,095 $ 2,422 $ 2,520
Deferred Tax Assets And Liabilities	Significant components of deferred tax assets and liabilities at September 30, 2019 and 2018 are as follows: (In thousands) 2019 2018 Deferred tax assets: Allowance for loan losses $ 1,681 $ 1,763 Deferred compensation plans 391 371 Equity incentive plans 48 55 Other-than-temporary impairment loss on available for sale securities 27 27 Valuation allowance on other real estate owned — 67 Interest on nonaccrual loans 111 105 Loss on tax credit investment 1,418 1,342 Deferred loan fees and costs, net 138 158 Investment in subsidiary 493 179 Other 65 132 Gross deferred tax assets 4,372 4,199 Valuation allowance (1,412) (1,342) Net deferred tax assets 2,960 2,857 Deferred tax liabilities: Unrealized gain on securities available for sale (2,017) (92) Accumulated depreciation (690) (519) Installment sale (314) (313) Acquisition purchase accounting adjustments (777) (735) Mortgage servicing rights (223) — FHLB stock dividends (84) (84) Prepaid expenses (515) (337) Other (107) (113) Deferred tax liabilities (4,727) (2,193) Net deferred tax asset (liability) $ (1,767) $ 664

OPERATING LEASES (Tables)

OPERATING LEASES (Tables)	12 Months Ended
	Sep. 30, 2019
OPERATING LEASES
Schedule of Lessee Future Minimum Lease Payments	The following is a schedule by years of future minimum lease payments required under operating leases that have initial or remaining noncancelable lease terms in excess of one year as of September 30, 2019: Years ending September 30: (In thousands) 2020 $ 994 2021 609 2022 426 2023 310 2024 203 2025 and thereafter 590 Total $ 3,132
Schedule of Rent expense under operating leases	Rent expense under operating leases for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Rent expense $ 1,206 $ 462 $ 278
Schedule of Lessor Future Minimum Lease Payments	The following is a schedule by years of future minimum lease payments with initial or remaining terms in excess of one year as of September 30, 2019: Years ending September 30: (In thousands) 2020 $ 499 2021 165 2022 87 2023 41 2024 7 2025 and thereafter — Total $ 799

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	12 Months Ended
	Sep. 30, 2019
Commitments to Extend Credit [Member]
Schedule of Fair Value, Off-balance Sheet Risks	The following is a summary of the commitments to extend credit at September 30, 2019 and 2018. Interest rate lock commitments that meet the definition of a derivative are excluded from these totals. (In thousands) 2019 2018 Loan commitments: Fixed rate $ 28,079 $ 14,578 Adjustable rate 22,546 22,811 Guarantees of third-party revolving credit 157 157 Undisbursed portion of home equity lines of credit 32,269 30,629 Undisbursed portion of commercial and personal lines of credit 35,718 35,637 Undisbursed portion of construction loans in process 23,182 22,429 Total commitments to extend credit $ 141,951 $ 126,241

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Sep. 30, 2019
DERIVATIVE FINANCIAL INSTRUMENTS
Schedule of Derivative Instruments	The table below provides information on the Company’s derivative financial instruments as of September 30, 2019 and 2018. September 30, 2019: Notional Asset Liability (In thousands) Amount Derivatives Derivatives Interest rate lock commitments $ 258,545 $ 3,269 $ — Forward mortgage loan sale contracts 203,250 130 329 $ 461,795 $ 3,399 $ 329 September 30, 2018: Notional Asset Liability (In thousands) Amount Derivatives Derivatives Interest rate lock commitments $ 16,634 $ 380 $ — Forward mortgage loan sale contracts 13,750 41 — $ 30,384 $ 421 $ —
Schedule Of Derivative Instruments, Gain (Loss)	Income (loss) related to derivative financial instruments included in mortgage banking income in the accompanying consolidated statements of income for the years ended September 30, 2019, 2018 and 2017, is as follows: (In thousands) 2019 2018 2017 Interest rate lock commitments $ 2,889 $ 380 $ — Forward mortgage loan sale contracts (3,462) 37 — $ (573) $ 417 $ —

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Sep. 30, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Schedule of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis	The table below presents the balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis as of September 30, 2019. Carrying Value (In thousands) Level 1 Level 2 Level 3 Total September 30, 2019: Assets Measured – Recurring Basis Securities available for sale: Agency mortgage-backed $ — $ 14,097 $ — $ 14,097 Agency CMO — 9,048 — 9,048 Privately-issued CMO — 1,382 — 1,382 Privately-issued ABS — 1,178 — 1,178 SBA certificates — 1,154 — 1,154 Municipal bonds — 150,443 — 150,443 Total securities available for sale $ — $ 177,302 $ — $ 177,302 Residential mortgage loans held for sale – fair value option elected $ — $ 80,457 $ — $ 80,457 Derivative assets (included in other assets) $ — $ 130 $ 3,269 $ 3,399 Equity securities (included in other assets) $ 85 $ — $ — $ 85 Mortgage servicing rights (included in other assets) $ — $ — $ 934 $ 934 Liabilities Measured – Recurring Basis Derivative liabilities (included in other liabilities) $ — $ 329 $ — $ 329 Assets Measured – Nonrecurring Basis Impaired loans: Residential real estate $ — $ — $ 4,438 $ 4,438 Commercial real estate — — 7,135 7,135 Commercial business — — 105 105 Consumer — — 211 211 Total impaired loans $ — $ — $ 11,889 $ 11,889 SBA loans held for sale $ — $ 15,613 $ — $ 15,613 SBA loan servicing rights $ — $ — $ 3,030 $ 3,030 Other real estate owned, held for sale: Former bank premises $ — $ — $ 1,893 $ 1,893 Total other real estate owned $ — $ — $ 1,893 $ 1,893 The table below presents the balances of financial assets measured at fair value on a recurring and nonrecurring basis as of September 30, 2018. The Company had no liabilities measured at fair value as of September 30, 2018. Carrying Value (In thousands) Level 1 Level 2 Level 3 Total September 30, 2018: Assets Measured – Recurring Basis Securities available for sale: Agency mortgage-backed $ — $ 31,130 $ — $ 31,130 Agency CMO — 10,441 — 10,441 Privately-issued CMO — 1,579 — 1,579 Privately-issued ABS — 1,884 — 1,884 SBA certificates — 1,351 — 1,351 Municipal bonds — 137,988 — 137,988 Total securities available for sale $ — $ 184,373 $ — $ 184,373 Residential mortgage loans held for sale – fair value option elected $ — $ 9,952 $ — $ 9,952 Derivative assets (included in other assets) $ — $ 41 $ 380 $ 421 Assets Measured – Nonrecurring Basis Impaired loans: Residential real estate $ — $ — $ 5,100 $ 5,100 Commercial real estate — — 7,227 7,227 Land and land development — — 27 27 Commercial business — — 231 231 Consumer — — 231 231 Total impaired loans $ — $ — $ 12,816 $ 12,816 Residential mortgage loans held for sale – fair value option not elected $ — $ 514 $ — $ 514 SBA loans held for sale $ — $ 21,659 $ — $ 21,659 SBA loan servicing rights $ — $ — $ 2,405 $ 2,405 Other real estate owned, held for sale: Residential real estate $ — $ — $ 103 $ 103 Total other real estate owned $ — $ — $ 103 $ 103
Schedule of reconciliation of derivative assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	The table below presents a reconciliation of derivative assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Beginning balance $ 380 $ — $ — Unrealized gains recognized in earnings, net of settlements 2,889 380 — Ending balance $ 3,269 $ 380 $ —
Schedule of significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	The table below presents information about significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis as of September 30, 2019 and 2018. Significant 2019 Range of 2018 Range of Financial Instrument Unobservable Inputs Inputs Inputs Interest rate lock commitments Pull-through rate 55% - 100% 72% - 95% Direct costs to close 1% 1% - 3%
Summary of reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs	The table below presents a reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended September 30, 2019: (In thousands) 2019 Beginning balance $ — Issuances (loans sold with servicing retained) 940 Net settlements (6) Unrealized gains (losses) included in earnings — Ending balance $ 934
Summary of significant unobservable (Level 3) inputs of MSRs measured fair value on recurring basis	The table below presents information about significant unobservable inputs (Level 3) used in the valuation of MSRs measured at fair value on a recurring basis as of September 30, 2019. Significant 2019 Financial Instrument Unobservable Inputs Range of Inputs MSRs Discount rate 9.25 % Prepayment rate 4.42% - 72.79 %
Allowance for Credit Losses on Financing Receivables	The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2019 and 2018: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) 2019: Individually evaluated for impairment $ 10 $ 512 $ — $ — $ — $ — $ 23 $ 545 Collectively evaluated for impairment 328 5,869 478 421 209 1,639 551 9,495 Ending balance $ 338 $ 6,381 $ 478 $ 421 $ 209 $ 1,639 $ 574 $ 10,040 2018: Individually evaluated for impairment $ 7 $ 492 $ — $ — $ — $ — $ 12 $ 511 Collectively evaluated for impairment 267 6,333 195 580 210 1,041 186 8,812 Ending balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2019, 2018, and 2017: Residential Commercial Land & Land Commercial Real Estate Real Estate Multifamily Construction Development Business Consumer Total (In thousands) 2019: Beginning balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 Provisions 55 128 283 (159) (1) 664 493 1,463 Charge-offs (21) (574) — — — (79) (174) (848) Recoveries 30 2 — — — 13 57 102 Ending balance $ 338 $ 6,381 $ 478 $ 421 $ 209 $ 1,639 $ 574 $ 10,040 2018: Beginning balance $ 252 $ 5,739 $ 106 $ 810 $ 223 $ 839 $ 123 $ 8,092 Provisions 14 1,086 89 (230) (13) 190 217 1,353 Charge-offs (98) — — — — — (223) (321) Recoveries 106 — — — — 12 81 199 Ending balance $ 274 $ 6,825 $ 195 $ 580 $ 210 $ 1,041 $ 198 $ 9,323 2017: Beginning balance $ 335 $ 5,160 $ 109 $ 845 $ 295 $ 284 $ 94 $ 7,122 Provisions 15 569 (3) (35) (72) 738 89 1,301 Charge-offs (169) — — — — (200) (116) (485) Recoveries 71 10 — — — 17 56 154 Ending balance $ 252 $ 5,739 $ 106 $ 810 $ 223 $ 839 $ 123 $ 8,092
Schedule of Impairment Charges to Write Down SBA Loan Servicing Rights at Fair Value	Impairment charges to write down SBA loan servicing rights to fair value for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Charges to write down SBA loan servicing rights $ 113 $ 177 $ —
Schedule Of Write Down Real Estate Owned To Fair Value	Charges to write down other real estate owned to fair value for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Charges to write down other real estate owned $ — $ 63 $ 28
Schedule of aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale	The table below presents the difference between the aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale for which the fair value option had been elected as of September 30, 2019 and 2018. Aggregate September 30, 2019: Aggregate Principal (In thousands) Fair Value Balance Difference Residential mortgage loans held for sale $ 80,457 $ 77,787 $ 2,670 Aggregate ( September 30, 2018: Aggregate Principal In thousands) Fair Value Balance Difference Residential mortgage loans held for sale $ 9,952 $ 9,695 $ 257
Schedule of gains and losses and interest included in earnings related to financial assets measured at fair value under the fair value option	The table below presents gains and losses and interest included in earnings related to financial assets measured at fair value under the fair value option for the years ended September 30, 2019, 2018 and 2017: (In thousands) 2019 2018 2017 Gains – included in mortgage banking income $ 2,492 $ 257 $ — Interest income 1,516 376 — $ 4,008 $ 633 $ —
Schedule of fair value of loans measured using an entry price notion	The following tables summarize the carrying value and estimated fair value of financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2019 and 2018. Carrying Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 September 30, 2019: Financial assets: Cash and due from banks $ 13,008 $ 13,008 $ — $ — Interest-bearing deposits with banks 28,424 28,424 — — Interest-bearing time deposits 2,265 — 2,265 — Securities available for sale 177,302 — 177,302 — Securities held to maturity 2,336 — 2,670 — Residential mortgage loans held for sale 80,457 — 80,457 — SBA loans held for sale 15,613 — 17,040 — Loans, net 810,658 — — 841,646 FRB and FHLB stock 13,040 N/A N/A N/A Accrued interest receivable 5,041 — 5,041 — SBA loan servicing rights (included in other assets) 3,030 — — 3,030 Residential mortgage loan servicing rights (included in other assets) 934 — — 934 Derivative assets (included in other assets) 3,399 — 130 3,269 Equity securities (included in other assets) 85 85 — — Financial liabilities: Deposits 834,384 — — 835,483 Federal funds purchased 4,000 — 4,000 — Borrowings from FHLB 222,544 — 222,432 — Subordinated note 19,729 — 21,143 — Accrued interest payable 935 — 935 — Advance payments by borrowers for taxes and insurance 1,906 — 1,906 — Derivative liabilities (included in other liabilities) 329 — 329 — Carrying Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 September 30, 2018: Financial assets: Cash and due from banks $ 14,191 $ 14,191 $ — $ — Interest-bearing deposits with banks 28,083 28,083 — — Interest-bearing time deposits 2,501 — 2,494 — Securities available for sale 184,373 — 184,373 — Securities held to maturity 2,607 — 2,896 — Residential mortgage loans held for sale 10,466 — 10,476 — SBA loans held for sale 21,659 — 23,488 — Loans, net 704,271 — — 673,652 FRB and FHLB stock 9,621 N/A N/A N/A Accrued interest receivable 4,287 — 4,287 — Loan servicing rights (included in other assets) 2,405 — — 2,405 Derivative assets (included in other assets) 421 — 41 380 Financial liabilities: Deposits 811,112 — — 809,305 Short-term repurchase agreements 1,352 — 1,352 — Borrowings from FHLB 90,000 — 84,175 — Subordinated note 19,661 — 19,661 — Accrued interest payable 743 — 743 — Advance payments by borrowers for taxes and insurance 1,218 — 1,218 —
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Allowance for Credit Losses on Financing Receivables	Provisions for loan losses recognized for impaired loans for the years ended September 30, 2019, 2018 and 2017 is as follows: (In thousands) 2019 2018 2017 Provision for loan losses recognized $ 860 $ 573 $ 182

CAPITAL REQUIREMENTS AND REST_2

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Tables)	12 Months Ended
	Sep. 30, 2019
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Schedule Of Actual Capital Amounts And Ratios	The Company is not subject to the FRB’s consolidated capital requirements because it has less than $3 billion in total consolidated assets. However, management has elected to disclose the Company’s capital amounts and ratios in addition to Bank’s required disclosures in the table below. No amount was deducted from capital for interest-rate risk in either year. Minimum To Be Well Capitalized Under Minimum for Capital Prompt Corrective Actual Adequacy Purposes Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of September 30, 2019: Total capital (to risk-weighted assets): Consolidated $ 130,700 13.85 % $ 75,474 8.00 % N/A N/A Bank 121,160 12.88 % 75,249 8.00 % $ 94,061 10.00 % Tier 1 capital (to risk-weighted assets): Consolidated $ 100,931 10.70 % $ 56,606 6.00 % N/A N/A Bank 111,120 11.81 % 56,437 6.00 % $ 75,249 8.00 % Common equity tier 1 capital (to risk-weighted assets): Consolidated $ 100,931 10.70 % $ 42,454 4.50 % N/A N/A Bank 111,120 11.81 % 42,327 4.50 % $ 61,140 6.50 % Tier 1 capital (to average adjusted total assets): Consolidated $ 100,931 8.39 % $ 48,142 4.00 % N/A N/A Bank 111,120 9.34 % 47,564 4.00 % $ 59,455 5.00 % As of September 30, 2018: Total capital (to risk-weighted assets): Consolidated $ 114,911 14.50 % $ 63,402 8.00 % N/A N/A Bank 102,281 12.92 % 63,312 8.00 % $ 79,140 10.00 % Tier 1 capital (to risk-weighted assets): Consolidated $ 85,927 10.84 % $ 47,551 6.00 % N/A N/A Bank 92,958 11.75 % 47,484 6.00 % $ 63,312 8.00 % Common equity tier 1 capital (to risk-weighted assets): Consolidated $ 85,927 10.84 % $ 35,663 4.50 % N/A N/A Bank 92,958 11.75 % 35,613 4.50 % $ 51,441 6.50 % Tier 1 capital (to average adjusted total assets): Consolidated $ 85,927 8.39 % $ 40,982 4.00 % N/A N/A Bank 92,958 9.10 % 40,840 4.00 % $ 51,050 5.00 %

SUPPLEMENTAL DISCLOSURE FOR E_2

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE (Tables)	12 Months Ended
	Sep. 30, 2019
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Earnings Per Share Information	Earnings per share information is presented below for the years ended September 30, 2019, 2018 and 2017. Years Ended September 30, (In thousands, except share and per share data) 2019 2018 2017 Basic: Earnings: Net income attributable to First Savings Financial Group, Inc. available to common shareholders $ 16,177 $ 10,902 $ 9,313 Shares: Weighted average common shares outstanding, basic 2,315,697 2,258,020 2,219,088 Net income per common share, basic $ 6.99 $ 4.83 $ 4.20 Diluted: Earnings: Net income attributable to First Savings Financial Group, Inc. available to common shareholders $ 16,177 $ 10,902 $ 9,313 Shares: Weighted average common shares outstanding, basic 2,315,697 2,258,020 2,219,088 Add: Dilutive effect of outstanding options 50,623 107,274 123,557 Add: Dilutive effect of restricted stock 5,764 7,260 3,363 Weighted average common shares outstanding, as adjusted 2,372,084 2,372,554 2,346,008 Net income per common share, diluted $ 6.82 $ 4.60 $ 3.97

PARENT COMPANY CONDENSED FINA_2

PARENT COMPANY CONDENSED FINANCIAL INFORMATION (Tables)	12 Months Ended
	Sep. 30, 2019
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
Condensed Balance Sheet Information	Balance Sheets As of September 30, (In thousands) 2019 2018 Assets: Cash and due from banks $ 6,474 $ 10,170 Other assets 816 928 Investment in subsidiaries 133,760 108,007 $ 141,050 $ 119,105 Liabilities and Equity: Subordinated note $ 19,729 $ 19,661 Accrued interest payable — 33 Accrued expenses 268 598 Stockholders’ equity 121,053 98,813 $ 141,050 $ 119,105
Condensed Income Statement Information	Statements of Income Years Ended September 30, (In thousands) 2019 2018 2017 Dividend income from subsidiaries $ 750 $ 9,875 $ 1,850 Interest expense (1,277) (33) — Other operating expenses (882) (921) (778) Income (loss) before income taxes and equity in undistributed net income of subsidiaries (1,409) 8,921 1,072 Income tax benefit 747 408 239 Income (loss) before equity in undistributed net income of subsidiaries (662) 9,329 1,311 Equity in undistributed net income of subsidiaries 16,839 1,573 8,002 Net income $ 16,177 $ 10,902 $ 9,313
Condensed Cash Flow Statement Information	Statements of Cash Flows Years Ended September 30, (In thousands) 2019 2018 2017 Operating Activities: Net income $ 16,177 $ 10,902 $ 9,313 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Equity in undistributed net income of subsidiaries (16,839) (1,573) (8,002) Stock compensation expense 246 217 176 Net change in other assets and liabilities (184) (162) 131 Net cash provided by (used in) operating activities (600) 9,384 1,618 Investing Activities: Acquisition of Dearmin — (9,148) — Investment in bank subsidiary (2,000) (10,000) — Investment in interest-bearing time deposits — — (10) Proceeds from maturities of interest-bearing time deposits — 10 — Net cash used in investing activities (2,000) (19,138) (10) Financing Activities: Net proceeds from subordinated note — 19,661 — Exercise of stock options 408 362 62 Tax paid on stock award shares for employees (32) (46) — Dividends paid (1,472) (1,343) (1,229) Net cash provided by (used in) financing activities (1,096) 18,634 (1,167) Net increase (decrease) in cash and due from banks (3,696) 8,880 441 Cash and due from banks at beginning of year 10,170 1,290 849 Cash and due from banks at end of year $ 6,474 $ 10,170 $ 1,290

Supplemental Disclosures of Cas

Supplemental Disclosures of Cash Flow Information (Tables)	12 Months Ended
	Sep. 30, 2019
Supplemental Cash Flow Elements
Schedule Of Supplemental Disclosures of Cash Flow Information	Years Ended September 30, (In thousands) 2019 2018 2017 Cash payments for: Interest $ 10,729 $ 5,873 $ 4,400 Income taxes (net of refunds received) 1,572 1,759 (598) Non-cash activities: Transfers to loans held for sale from loans — — (854) Transfers from loans to other real estate owned 114 133 703 Proceeds from sales of other real estate owned financed through loans 112 453 189 Cashless exercise of stock options 542 387 294 Transfers from premises and equipment to other real estate owned 1,893 — —

SELECTED QUARTERLY FINANCIAL _2

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)	12 Months Ended
	Sep. 30, 2019
Supplemental Cash Flow Elements
Quarterly Financial Information	First Second Third Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2019: Interest income $ 11,801 $ 12,307 $ 13,058 $ 13,829 Interest expense 2,225 2,446 3,166 3,069 Net interest income 9,576 9,861 9,892 10,760 Provision for loan losses 315 340 337 471 Net interest income after provision for loan losses 9,261 9,521 9,555 10,289 Noninterest income 5,781 7,089 12,644 18,340 Noninterest expenses 11,416 12,880 16,488 21,606 Income before income taxes 3,626 3,730 5,711 7,023 Income tax expense 522 466 748 1,359 Net income 3,104 3,264 4,963 5,664 Net income (loss) attributable to noncontrolling interest in subsidiary 173 (269) 571 343 Net income attributable to First Savings Financial Group, Inc. $ 2,931 $ 3,533 $ 4,392 $ 5,321 Net income per common share, basic $ 1.28 $ 1.53 $ 1.88 $ 2.28 Net income per common share, diluted $ 1.24 $ 1.50 $ 1.85 $ 2.24 First Second Third Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2018: Interest income $ 9,426 $ 10,146 $ 11,206 $ 11,381 Interest expense 1,373 1,423 1,699 1,842 Net interest income 8,053 8,723 9,507 9,539 Provision for loan losses 462 371 266 254 Net interest income after provision for loan losses 7,591 8,352 9,241 9,285 Noninterest income 2,906 2,567 3,254 4,568 Noninterest expenses 6,382 8,359 8,122 10,143 Income before income taxes 4,115 2,560 4,373 3,710 Income tax expense 622 338 696 766 Net income 3,493 2,222 3,677 2,944 Net income attributable to noncontrolling interest in subsidiary 87 576 571 200 Net income attributable to First Savings Financial Group, Inc. $ 3,406 $ 1,646 $ 3,106 $ 2,744 Net income per common share, basic $ 1.53 $ 0.73 $ 1.37 $ 1.20 Net income per common share, diluted $ 1.44 $ 0.69 $ 1.31 $ 1.15 September 30, 2017: Interest income $ 8,011 $ 8,219 $ 8,664 $ 9,023 Interest expense 1,022 1,032 1,132 1,271 Net interest income 6,989 7,187 7,532 7,752 Provision for loan losses 306 375 321 299 Net interest income after provision for loan losses 6,683 6,812 7,211 7,453 Noninterest income 1,875 1,861 2,123 2,766 Noninterest expenses 5,540 6,066 6,305 7,040 Income (loss) before income taxes 3,018 2,607 3,029 3,179 Income tax expense (benefit) 681 413 586 840 Net income 2,337 2,194 2,443 2,339 Net income attributable to noncontrolling interest in subsidiary — — — — Net income attributable to First Savings Financial Group, Inc. $ 2,337 $ 2,194 $ 2,443 $ 2,339 Net income per common share, basic $ 1.06 $ 0.99 $ 1.10 $ 1.05 Net income per common share, diluted $ 1.00 $ 0.94 $ 1.04 $ 0.99

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Sep. 30, 2019
Segment Reporting
Schedule Of Sum Of The Segment Amounts And Consolidated Totals	The following segment financial information has been derived from the internal financial statements of the Company which are used by management to monitor and manage financial performance. The accounting policies of the three segments are the same as those of the Company. The amounts reflected in the “Other” column in the tables below represent combined balances of the Company and the Captive, and are the primary differences between the sum of the segment amounts and consolidated totals, along with amounts to eliminate transactions between segments. Core SBA Mortage Consolidated (In thousands) Banking Lending Banking Other Totals Year Ended September 30, 2019: Net interest income $ 36,524 $ 4,145 $ 636 $ (1,216) $ 40,089 Net gains on sales of loans, SBA — 4,569 — — 4,569 Mortgage banking income 33 — 32,974 — 33,007 Noncash items: Provision for loan losses (242) 1,705 — — 1,463 Depreciation and amortization 1,467 49 100 68 1,684 Income tax expense (benefit) 2,143 213 1,475 (736) 3,095 Segment profit (loss) 11,423 1,458 4,422 (308) 16,995 Segment assets at September 30, 2019 1,124,526 84,661 88,645 (75,253) 1,222,579 Core SBA Consolidated (In thousands) Banking Lending Other Totals Year Ended September 30, 2018: Net intere-st income $ 32,812 $ 3,012 $ (2) $ 35,822 Net gains on sales of loans, SBA — 5,493 — 5,493 Noncash items: Provision for loan losses (69) 1,422 — 1,353 Depreciation and amortization 1,323 50 — 1,373 Income tax benefit 2,825 — (403) 2,422 Segment profit (loss) 9,050 2,968 318 12,336 Segment assets at September 30, 2018 1,025,135 66,970 (57,699) 1,034,406 Core SBA Consolidated (In thousands) Banking Lending Other Totals Year Ended September 30, 2017: Net interest income $ 27,637 $ 1,802 $ 21 $ 29,460 Net gains on sales of loans, SBA — 4,204 — 4,204 Noncash items: Provision for loan losses 868 433 — 1,301 Depreciation and amortization 1,120 44 — 1,164 Income tax benefit 2,754 — (234) 2,520 Segment profit (loss) 7,109 1,924 280 9,313 Segment assets at September 30, 2017 885,669 51,821 (46,357) 891,133

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Sep. 30, 2019
REVENUE FROM CONTRACTS WITH CUSTOMERS
Schedule of sources of noninterest income	All of the Company’s revenue from contracts with customers within the scope of FASB ASC 606 is included in the core banking segment and is recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the years ended September 30, 2019, 2018 and 2017: Year Ended September 30, 2019 2018 2017 Service charges on deposit accounts $ 1,957 $ 1,731 $ 1,355 ATM and interchange fees 1,949 1,580 1,348 Investment advisory income 324 550 379 Other 137 139 140 Revenue from contracts with customers 4,367 4,000 3,222 Gain (loss) on securities (74) 99 30 Gain on sale of SBA loans 4,569 5,493 4,204 Mortgage banking income 33,007 2,318 530 Increase in cash value of life insurance 580 430 433 Real estate lease income 594 5 — Other 811 950 206 Other noninterest income 39,487 9,295 5,403 Total noninterest income $ 43,854 $ 13,295 $ 8,625

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Cumulative Allocated Net Income	$ 1,700,000
Loans and Leases Receivable, Impaired, Interest Income Recognized, Change in Present Value Attributable to Passage of Time	$ 250,000
Percentage Of Income Tax Realized Upon Settlement	50.00%
Business Capital LLC [Member]
Noncontrolling Interest, Ownership Percentage by Noncontrolling Owners	49.00%
Small Business Administration Loans [Member]
Loans Receivable Held-for-sale, Net, Not Part of Disposal Group	$ 15,600,000	$ 21,700,000
Small Business Administration Loans [Member] | Maximum [Member]
Guarantor Obligations, Liquidation Proceeds, Percentage	90.00%
Small Business Administration Loans [Member] | Minimum [Member]
Guarantor Obligations, Liquidation Proceeds, Percentage	75.00%
Interest-bearing Deposits [Member]
Maturity of Time Deposits	90 days
Subsidiary [Member]
Equity Method Investment, Ownership Percentage	51.00%

ACQUISITION OF DEARMIN BANCOR_3

ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON - Estimated Fair Values Of The Assets Acquired And Liabilities Assumed (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2016
Goodwill arising in the acquisition	$ 9,848	$ 9,848	$ 7,936	$ 7,936
Dearmin Bancorp and The First National Bank of Odon [Member]
Cash and due from banks	1,310
Interest-bearing deposits with banks	15,957
Interest-bearing time deposits with banks	3,817
Investment securities	39,978
Loans, net	34,467
Premises and equipment	1,125
Goodwill arising in the acquisition	1,912
Core deposit intangible	1,487
Other assets	2,890
Total assets acquired	102,943
Deposit accounts	91,765
Net deferred tax liabilities	205
Other liabilities	373
Total liabilities assumed	92,343
Total consideration	$ 10,600

ACQUISITION OF DEARMIN BANCOR_4

ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2016
Goodwill	$ 9,848,000	$ 9,848,000	$ 7,936,000	$ 7,936,000
Dearmin Bancorp and The First National Bank of Odon [Member]
Business Acquisition, Share Price	$ 265
Payments to Acquire Businesses, Gross	$ 10,600,000
Goodwill	1,912,000
Business Combination, Acquisition Related Costs		$ 1,300,000	$ 166,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	$ 1,500,000
Finite-Lived Intangible Asset, Useful Life	9 years 1 month 6 days
Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed, Loans	$ 34,500,000
Gross Contractual Amounts Receivable at Date of Acquisition	$ 41,500,000

RESTRICTION ON CASH AND DUE F_2

RESTRICTION ON CASH AND DUE FROM BANKS (Additional Information) (Detail) - USD ($) $ in Millions	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
RESTRICTION ON CASH AND DUE FROM BANKS
Restricted Cash and Cash Equivalents	$ 20.3	$ 17.4	$ 12.9

INVESTMENT SECURITIES- Trading

INVESTMENT SECURITIES- Trading Account Securities - Net Gains (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Trading Account Securities
Net realized gain on sales		$ 43	$ 229
Net unrealized loss on securities held as of the balance sheet date		0	(29)
Net gain on trading account securities	$ 0	$ 43	$ 200

INVESTMENT SECURITIES - Fair Va

INVESTMENT SECURITIES - Fair Value to Amortized Cost - Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Securities Available for Sale
Amortized Cost	$ 167,955	$ 183,861
Gross Unrealized Gain	9,391	2,826
Gross Unrealized Losses	44	2,314
Fair Value	177,302	184,373
Agency mortgage-backed
Securities Available for Sale
Amortized Cost	13,743	31,686
Gross Unrealized Gain	366	90
Gross Unrealized Losses	12	646
Fair Value	14,097	31,130
Agency CMO
Securities Available for Sale
Amortized Cost	8,834	10,754
Gross Unrealized Gain	221	0
Gross Unrealized Losses	7	313
Fair Value	9,048	10,441
Privately-issued CMO
Securities Available for Sale
Amortized Cost	1,242	1,434
Gross Unrealized Gain	142	148
Gross Unrealized Losses	2	3
Fair Value	1,382	1,579
Privately-issued ABS
Securities Available for Sale
Amortized Cost	1,022	1,538
Gross Unrealized Gain	156	346
Gross Unrealized Losses	0	0
Fair Value	1,178	1,884
SBA certificates
Securities Available for Sale
Amortized Cost	1,119	1,305
Gross Unrealized Gain	41	53
Gross Unrealized Losses	6	7
Fair Value	1,154	1,351
Municipal Bonds
Securities Available for Sale
Amortized Cost	141,995	137,144
Gross Unrealized Gain	8,465	2,189
Gross Unrealized Losses	17	1,345
Fair Value	$ 150,443	$ 137,988

INVESTMENT SECURITIES - Fair _2

INVESTMENT SECURITIES - Fair Value to Amortized Cost - Held to Maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Held to Maturity Securities
Amortized Cost	$ 2,336	$ 2,607
Gross Unrealized Gain	334	289
Gross Unrealized Losses	0	0
Fair Value	2,670	2,896
Agency mortgage-backed
Held to Maturity Securities
Amortized Cost	102	134
Gross Unrealized Gain	7	8
Gross Unrealized Losses	0	0
Fair Value	109	142
Municipal Bonds
Held to Maturity Securities
Amortized Cost	2,234	2,473
Gross Unrealized Gain	327	281
Gross Unrealized Losses	0	0
Fair Value	$ 2,561	$ 2,754

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Fair Value by Contractual Maturity - Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Available for Sale - Amortized Cost
Due within one year	$ 2,676
Due after one year through five years	23,170
Due after five years through ten years	28,248
Due after ten years	87,901
Amortized Cost	167,955	$ 183,861
Available for Sale - Fair Value
Due within one year	2,713
Due after one year through five years	23,846
Due after five years through ten years	29,955
Due after ten years	93,929
Fair Value	177,302	184,373
CMO
Available for Sale - Amortized Cost
Without single maturity date	10,076
Available for Sale - Fair Value
Without single maturity date	10,430
ABS
Available for Sale - Amortized Cost
Without single maturity date	1,022
Available for Sale - Fair Value
Without single maturity date	1,178
SBA certificates
Available for Sale - Amortized Cost
Without single maturity date	1,119
Amortized Cost	1,119	1,305
Available for Sale - Fair Value
Without single maturity date	1,154
Fair Value	1,154	$ 1,351
Mortgage-backed securities
Available for Sale - Amortized Cost
Without single maturity date	13,743
Available for Sale - Fair Value
Without single maturity date	$ 14,097

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Fair Value by Contractual Maturity - Held to Maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Held to Maturity - Amortized Cost
Due within one year	$ 248
Due after one year through five years	1,006
Due after five years through ten years	779
Due after ten years	201
Amortized Cost	2,336	$ 2,607
Held to Maturity - Fair Value
Due within one year	278
Due after one year through five years	1,139
Due after five years through ten years	907
Due after ten years	237
Fair Value	2,670	$ 2,896
CMO
Held to Maturity - Amortized Cost
Without single maturity date	0
Held to Maturity - Fair Value
Without single maturity date	0
ABS
Held to Maturity - Amortized Cost
Without single maturity date	0
Held to Maturity - Fair Value
Without single maturity date	0
SBA certificates
Held to Maturity - Amortized Cost
Without single maturity date	0
Held to Maturity - Fair Value
Without single maturity date	0
Mortgage-backed securities
Held to Maturity - Amortized Cost
Without single maturity date	102
Held to Maturity - Fair Value
Without single maturity date	$ 109

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investment Securities With Gross Unrealized Losses (Details) $ in Thousands	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)item
Fair Value
Continuous loss position less than twelve months	$ 4,904	$ 61,536
Continuous loss position more than twelve months	2,365	23,924
Total securities available for sale	$ 7,269	$ 85,460
Number of Investment Positions
Continuous loss position less than twelve months | item	7	112
Continuous loss position more than twelve months | item	7	30
Total securities available for sale | item	14	142
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 18	$ 1,311
Continuous loss position more than twelve months	26	1,003
Total securities available for sale	44	2,314
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months	1,248	14,814
Continuous loss position more than twelve months	$ 785	$ 9,283
Number of Investment Positions
Continuous loss position less than twelve months | item	3	15
Continuous loss position more than twelve months | item	2	11
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 1	$ 313
Continuous loss position more than twelve months	11	333
Agency CMO
Fair Value
Continuous loss position less than twelve months	1,962	2,560
Continuous loss position more than twelve months	$ 956	$ 7,881
Number of Investment Positions
Continuous loss position less than twelve months | item	1	4
Continuous loss position more than twelve months | item	2	9
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 1	$ 54
Continuous loss position more than twelve months	6	259
Privately-issued CMO
Fair Value
Continuous loss position more than twelve months	$ 33	$ 37
Number of Investment Positions
Continuous loss position more than twelve months | item	1	1
Gross Unrealized Losses
Continuous loss position more than twelve months	$ 2	$ 3
SBA certificates
Fair Value
Continuous loss position more than twelve months	$ 451	$ 617
Number of Investment Positions
Continuous loss position more than twelve months | item	1	1
Gross Unrealized Losses
Continuous loss position more than twelve months	$ 6	$ 7
Municipal Bonds
Fair Value
Continuous loss position less than twelve months	1,694	44,162
Continuous loss position more than twelve months	$ 140	$ 6,106
Number of Investment Positions
Continuous loss position less than twelve months | item	3	93
Continuous loss position more than twelve months | item	1	8
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 16	$ 944
Continuous loss position more than twelve months	$ 1	$ 401

INVESTMENT SECURITIES - Gross R

INVESTMENT SECURITIES - Gross Realized Gain and Losses on Sales of Available for Sale Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Gross Realized Gain and Losses
Gross realized gains on sales	$ 68	$ 119	$ 96
Gross realized losses on sales	(142)	(20)	(66)
Net realized gain (loss) on sales of available for sale securities and time deposits	$ (74)	$ 99	$ 30

INVESTMENT SECURITIES - Additio

INVESTMENT SECURITIES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Debt and Equity Securities, FV-NI [Line Items]
Available for sale debt securities in loss position, depreciation percentage	2.93%
Investments, Fair Value Disclosure	$ 33,000
Total unrealized loss	$ 2,000
Other than Temporary Impairment Losses, Investments		$ 95,000
Weighted Average Yield Of Available For Sale Securities In Loss Positions	2.20%
Debt Securities [Member]
Debt and Equity Securities, FV-NI [Line Items]
Available for sale debt securities in loss position, depreciation percentage	0.60%
Debt Securities [Member] | Downgraded Due To Potential Credit Losses [Member]
Debt and Equity Securities, FV-NI [Line Items]
Carrying Value Of Downgraded Due To Potential Credit Losses	$ 1,100,000
Debt Securities [Member] | Downgraded Privately Issued Cmos [Member]
Debt and Equity Securities, FV-NI [Line Items]
Fair Market Value Of Downgraded Privately Issued Collateralized Mortgage Obligations	$ 1,200,000
Two Privately Issued Collateralized Mortgage Obligations [Member]
Debt and Equity Securities, FV-NI [Line Items]
Available for sale debt securities in loss position, depreciation percentage	5.71%

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loans (Details) - USD ($)	Sep. 30, 2019	Sep. 30, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 820,084,000	$ 713,345,000
Deferred loan origination fees and costs, net	614,000	249,000
Allowance for loan losses	(10,040,000)	(9,323,000)
Loans, net	810,658,000	704,271,000
Net unamortized premium on loans acquired	614,000	249,000
Other Financial Institutions [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred loan origination fees and costs, net	339,000	413,000
Net unamortized premium on loans acquired	339,000	413,000
Commercial real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred loan origination fees and costs, net	408,000	104,000
Net unamortized premium on loans acquired	408,000	104,000
Multifamily [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred loan origination fees and costs, net	(33,000)	(30,000)
Net unamortized premium on loans acquired	(33,000)	(30,000)
Land and Land Development [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred loan origination fees and costs, net	(1,000)	(4,000)
Net unamortized premium on loans acquired	(1,000)	(4,000)
Commercial Business [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred loan origination fees and costs, net	366,000	275,000
Net unamortized premium on loans acquired	366,000	275,000
Real estate mortgage [Member] | One To Four Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	198,067,000	195,274,000
Real estate mortgage [Member] | Commercial real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	436,020,000	343,498,000
Real estate mortgage [Member] | Multifamily [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	38,226,000	28,814,000
Real estate mortgage [Member] | Residential Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	12,545,000	19,527,000
Real estate mortgage [Member] | Commercial Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	6,995,000	8,669,000
Real estate mortgage [Member] | Land and Land Development [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	10,536,000	10,504,000
Real estate mortgage [Member] | Commercial Business [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	73,034,000	67,786,000
Consumer [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	28,651,000	24,635,000
Consumer [Member] | Auto [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	13,347,000	11,720,000
Consumer [Member] | Other Consumer Loans and Leases [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 2,663,000	$ 2,918,000

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES - Activity For Related Party Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
LOANS AND ALLOWANCE FOR LOAN LOSSES
Beginning balance	$ 8,231	$ 10,299
New loans and advances	3,906	2,521
Repayments	(2,875)	(4,515)
Reclassifications due to officer and director changes	(147)	(74)
Ending balance	$ 9,115	$ 8,231

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Components of Recorded Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Recorded Investment in Loans:
Principal loan balance	$ 820,084	$ 713,345
Accrued interest receivable	3,329	2,687
Net deferred loan origination fees and costs	614	249
Recorded investment in loans	824,027	716,281
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	12,434	13,327
Collectively evaluated for impairment	811,593	702,954
Ending balance	824,027	716,281
Residential real estate [Member]
Recorded Investment in Loans:
Principal loan balance	198,067	195,274
Accrued interest receivable	627	589
Net deferred loan origination fees and costs	(98)	(62)
Recorded investment in loans	198,596	195,801
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	4,448	5,107
Collectively evaluated for impairment	194,148	190,694
Ending balance	198,596	195,801
Commercial real estate [Member]
Recorded Investment in Loans:
Principal loan balance	436,020	343,498
Accrued interest receivable	1,922	1,403
Net deferred loan origination fees and costs	408	104
Recorded investment in loans	438,350	345,005
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	7,647	7,719
Collectively evaluated for impairment	430,703	337,286
Ending balance	438,350	345,005
Multifamily [Member]
Recorded Investment in Loans:
Principal loan balance	38,226	28,814
Accrued interest receivable	99	81
Net deferred loan origination fees and costs	(33)	(30)
Recorded investment in loans	38,292	28,865
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	38,292	28,865
Ending balance	38,292	28,865
Construction [Member]
Recorded Investment in Loans:
Principal loan balance	19,540	28,196
Accrued interest receivable	117	156
Net deferred loan origination fees and costs	3	(5)
Recorded investment in loans	19,660	28,347
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	19,660	28,347
Ending balance	19,660	28,347
Land and Land Development [Member]
Recorded Investment in Loans:
Principal loan balance	10,536	10,504
Accrued interest receivable	29	24
Net deferred loan origination fees and costs	(1)	(4)
Recorded investment in loans	10,564	10,524
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	0	27
Collectively evaluated for impairment	10,564	10,497
Ending balance	10,564	10,524
Commercial Business [Member]
Recorded Investment in Loans:
Principal loan balance	73,034	67,786
Accrued interest receivable	448	365
Net deferred loan origination fees and costs	366	275
Recorded investment in loans	73,848	68,426
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	105	231
Collectively evaluated for impairment	73,743	68,195
Ending balance	73,848	68,426
Consumer [Member]
Recorded Investment in Loans:
Principal loan balance	44,661	39,273
Accrued interest receivable	87	69
Net deferred loan origination fees and costs	(31)	(29)
Recorded investment in loans	44,717	39,313
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	234	243
Collectively evaluated for impairment	44,483	39,070
Ending balance	$ 44,717	$ 39,313

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES - Allowance For Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2019	Sep. 30, 2018
Changes in Allowance for Loan Losses:
Beginning balance	$ 9,323	$ 8,092	$ 7,122
Provisions	1,463	1,353	1,301
Charge-offs	(848)	(321)	(485)
Recoveries	102	199	154
Ending balance	10,040	9,323	8,092
Off-balance-sheet commitments	2,400	2,600
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				$ 545	$ 511
Collectively evaluated for impairment				9,495	8,812
Ending balance	10,040	9,323	8,092	10,040	9,323
Residential real estate [Member]
Changes in Allowance for Loan Losses:
Beginning balance	274	252	335
Provisions	55	14	15
Charge-offs	(21)	(98)	(169)
Recoveries	30	106	71
Ending balance	338	274	252
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				10	7
Collectively evaluated for impairment				328	267
Ending balance	338	274	252	338	274
Commercial real estate [Member]
Changes in Allowance for Loan Losses:
Beginning balance	6,825	5,739	5,160
Provisions	128	1,086	569
Charge-offs	(574)	0	0
Recoveries	2	0	10
Ending balance	6,381	6,825	5,739
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				512	492
Collectively evaluated for impairment				5,869	6,333
Ending balance	6,381	6,825	5,739	6,381	6,825
Multifamily [Member]
Changes in Allowance for Loan Losses:
Beginning balance	195	106	109
Provisions	283	89	(3)
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	478	195	106
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				478	195
Ending balance	478	195	106	478	195
Construction [Member]
Changes in Allowance for Loan Losses:
Beginning balance	580	810	845
Provisions	(159)	(230)	(35)
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	421	580	810
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				421	580
Ending balance	421	580	810	421	580
Land and Land Development [Member]
Changes in Allowance for Loan Losses:
Beginning balance	210	223	295
Provisions	(1)	(13)	(72)
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	209	210	223
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				209	210
Ending balance	209	210	223	209	210
Commercial Business [Member]
Changes in Allowance for Loan Losses:
Beginning balance	1,041	839	284
Provisions	664	190	738
Charge-offs	(79)	0	(200)
Recoveries	13	12	17
Ending balance	1,639	1,041	839
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				1,639	1,041
Ending balance	1,639	1,041	839	1,639	1,041
Consumer [Member]
Changes in Allowance for Loan Losses:
Beginning balance	198	123	94
Provisions	493	217	89
Charge-offs	(174)	(223)	(116)
Recoveries	57	81	56
Ending balance	574	198	123
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				23	12
Collectively evaluated for impairment				551	186
Ending balance	$ 574	$ 198	$ 123	$ 574	$ 198

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Financing Receivable, Impaired [Line Items]
Loans with no related allowance recorded, Recorded Investment	$ 10,022	$ 11,781	$ 10,539
Loans with no related allowance recorded, Unpaid Principal Balance	10,562	12,392	10,949
Loans with no related allowance recorded, Related Allowance	0
Loans with no related allowance recorded, Average Recorded Investment	11,702	12,241	10,945
Loans with no related allowance recorded, Interest Income Recognized	431	471	359
Loans with an allowance recorded, Recorded Investment	2,412	1,546	325
Loans with an allowance recorded, Unpaid Principal Balance	2,799	1,703	369
Loans with an allowance recorded, Related Allowance	545	511	23
Loans with an allowance recorded, Average Recorded Investment	2,433	708	518
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	12,434	13,327	10,864
Total, Unpaid Principal Balance	13,361	14,095	11,318
Total, Related Allowance	545	511	23
Total, Average Recorded Investment	14,135	12,949	11,463
Total, Interest Income Recognized	431	471	359
Residential real estate [Member]
Financing Receivable, Impaired [Line Items]
Loans with no related allowance recorded, Recorded Investment	4,438	4,833	4,745
Loans with no related allowance recorded, Unpaid Principal Balance	4,967	5,285	4,980
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with no related allowance recorded, Average Recorded Investment	5,037	5,082	4,377
Loans with no related allowance recorded, Interest Income Recognized	115	142	144
Loans with an allowance recorded, Recorded Investment	10	274	224
Loans with an allowance recorded, Unpaid Principal Balance	7	282	268
Loans with an allowance recorded, Related Allowance	10	7	2
Loans with an allowance recorded, Average Recorded Investment	122	315	294
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	4,448	5,107	4,969
Total, Unpaid Principal Balance	4,974	5,567	5,248
Total, Related Allowance	10	7	2
Total, Average Recorded Investment	5,159	5,397	4,671
Total, Interest Income Recognized	115	142	144
Commercial real estate [Member]
Financing Receivable, Impaired [Line Items]
Loans with no related allowance recorded, Recorded Investment	5,401	6,568	5,477
Loans with no related allowance recorded, Unpaid Principal Balance	5,408	6,715	5,645
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with no related allowance recorded, Average Recorded Investment	6,337	6,694	5,997
Loans with no related allowance recorded, Interest Income Recognized	305	312	204
Loans with an allowance recorded, Recorded Investment	2,246	1,151	0
Loans with an allowance recorded, Unpaid Principal Balance	2,637	1,293	0
Loans with an allowance recorded, Related Allowance	512	492	0
Loans with an allowance recorded, Average Recorded Investment	2,126	256	0
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	7,647	7,719	5,477
Total, Unpaid Principal Balance	8,045	8,008	5,645
Total, Related Allowance	512	492	0
Total, Average Recorded Investment	8,463	6,950	5,997
Total, Interest Income Recognized	305	312	204
Multifamily [Member]
Financing Receivable, Impaired [Line Items]
Loans with no related allowance recorded, Recorded Investment	0	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	0
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with no related allowance recorded, Average Recorded Investment	0	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with an allowance recorded, Recorded Investment	0	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0	0
Loans with an allowance recorded, Related Allowance	0	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	0	0	0
Total, Unpaid Principal Balance	0	0	0
Total, Related Allowance	0	0	0
Total, Average Recorded Investment	0	0	0
Total, Interest Income Recognized	0	0	0
Construction [Member]
Financing Receivable, Impaired [Line Items]
Loans with no related allowance recorded, Recorded Investment	0	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	0
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with no related allowance recorded, Average Recorded Investment	0	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with an allowance recorded, Recorded Investment	0	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0	0
Loans with an allowance recorded, Related Allowance	0	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	0	0	0
Total, Unpaid Principal Balance	0	0	0
Total, Related Allowance	0	0	0
Total, Average Recorded Investment	0	0	0
Total, Interest Income Recognized	0	0	0
Land and Land Development [Member]
Financing Receivable, Impaired [Line Items]
Loans with no related allowance recorded, Recorded Investment	0	27	30
Loans with no related allowance recorded, Unpaid Principal Balance	0	28	30
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with no related allowance recorded, Average Recorded Investment	6	29	221
Loans with no related allowance recorded, Interest Income Recognized	0	0	1
Loans with an allowance recorded, Recorded Investment	0	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0	0
Loans with an allowance recorded, Related Allowance	0	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	0	27	30
Total, Unpaid Principal Balance	0	28	30
Total, Related Allowance	0	0	0
Total, Average Recorded Investment	6	29	221
Total, Interest Income Recognized	0	0	1
Commercial Business [Member]
Financing Receivable, Impaired [Line Items]
Loans with no related allowance recorded, Recorded Investment	105	231	192
Loans with no related allowance recorded, Unpaid Principal Balance	106	241	199
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with no related allowance recorded, Average Recorded Investment	215	316	209
Loans with no related allowance recorded, Interest Income Recognized	7	13	6
Loans with an allowance recorded, Recorded Investment	0	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0	0
Loans with an allowance recorded, Related Allowance	0	0	0
Loans with an allowance recorded, Average Recorded Investment	28	0	130
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	105	231	192
Total, Unpaid Principal Balance	106	241	199
Total, Related Allowance	0	0	0
Total, Average Recorded Investment	243	316	339
Total, Interest Income Recognized	7	13	6
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Loans with no related allowance recorded, Recorded Investment	78	122	95
Loans with no related allowance recorded, Unpaid Principal Balance	81	123	95
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with no related allowance recorded, Average Recorded Investment	107	120	141
Loans with no related allowance recorded, Interest Income Recognized	4	4	4
Loans with an allowance recorded, Recorded Investment	156	121	101
Loans with an allowance recorded, Unpaid Principal Balance	155	128	101
Loans with an allowance recorded, Related Allowance	23	12	21
Loans with an allowance recorded, Average Recorded Investment	157	137	94
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	234	243	196
Total, Unpaid Principal Balance	236	251	196
Total, Related Allowance	23	12	21
Total, Average Recorded Investment	264	257	235
Total, Interest Income Recognized	$ 4	$ 4	$ 4

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES - Nonperforming Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual Loans	$ 5,168	$ 4,182
Loans 90+ Days Past Due Still Accruing	12	91
Total Nonperforming Loans	5,180	4,273
Residential real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual Loans	2,580	2,711
Loans 90+ Days Past Due Still Accruing	12	91
Total Nonperforming Loans	2,592	2,802
Commercial real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual Loans	2,425	1,284
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	2,425	1,284
Multifamily [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Land and Land Development [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual Loans	0	27
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	27
Commercial Business [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual Loans	163	160
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	$ 163	$ 160

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES - Aging of Recorded Investment in Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 6,799	$ 4,991
Current	817,228	711,290
Recorded investment in loans	824,027	716,281
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,770	2,834
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,366	713
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,663	1,444
Residential real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,317	3,939
Current	195,279	191,862
Recorded investment in loans	198,596	195,801
Residential real estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,619	2,088
Residential real estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	577	649
Residential real estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,121	1,202
Commercial real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,187	906
Current	435,163	344,099
Recorded investment in loans	438,350	345,005
Commercial real estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	892	696
Commercial real estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	772	0
Commercial real estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,523	210
Multifamily [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	38,292	28,865
Recorded investment in loans	38,292	28,865
Multifamily [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Multifamily [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Multifamily [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	19,660	28,347
Recorded investment in loans	19,660	28,347
Construction [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Construction [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Construction [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Land and Land Development [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	27
Current	10,564	10,497
Recorded investment in loans	10,564	10,524
Land and Land Development [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Land and Land Development [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	27
Land and Land Development [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Business [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	182	7
Current	73,666	68,419
Recorded investment in loans	73,848	68,426
Commercial Business [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	182	7
Commercial Business [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Business [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	113	112
Current	44,604	39,201
Recorded investment in loans	44,717	39,313
Consumer [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	77	43
Consumer [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	17	37
Consumer [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 19	$ 32

LOANS AND ALLOWANCE FOR LOAN_10

LOANS AND ALLOWANCE FOR LOAN LOSSES - Recorded Investment in Loans by Risk Category (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 824,027	$ 716,281
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	803,295	701,230
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	904	309
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	19,767	14,668
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	61	74
Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Residential real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	198,596	195,801
Residential real estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	194,591	190,647
Residential real estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	19
Residential real estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,946	5,061
Residential real estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	59	74
Residential real estate [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Commercial real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	438,350	345,005
Commercial real estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	424,989	338,256
Commercial real estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	904	0
Commercial real estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	12,457	6,749
Commercial real estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Commercial real estate [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Multifamily [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	38,292	28,865
Multifamily [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	37,823	28,365
Multifamily [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Multifamily [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	469	500
Multifamily [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Multifamily [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	19,660	28,347
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	19,660	28,347
Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Construction [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Land and Land Development [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	10,564	10,524
Land and Land Development [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	10,564	10,207
Land and Land Development [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	290
Land and Land Development [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	27
Land and Land Development [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Land and Land Development [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Commercial Business [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	73,848	68,426
Commercial Business [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	71,050	66,162
Commercial Business [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Commercial Business [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,798	2,264
Commercial Business [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Commercial Business [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	44,717	39,313
Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	44,618	39,246
Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	97	67
Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2	0
Consumer [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN_11

LOANS AND ALLOWANCE FOR LOAN LOSSES - Recorded Investment in Troubled Debt Restructurings by Class of Loan and Accrual Status (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Financing Receivable, Modifications [Line Items]
Accruing	$ 7,265	$ 9,145
Nonaccrual	410	86
Total	7,675	9,231
Residential real estate [Member]
Financing Receivable, Modifications [Line Items]
Accruing	1,868	2,396
Nonaccrual	351	21
Total	2,219	2,417
Commercial real estate [Member]
Financing Receivable, Modifications [Line Items]
Accruing	5,222	6,435
Nonaccrual	59	65
Total	5,281	6,500
Commercial Business [Member]
Financing Receivable, Modifications [Line Items]
Accruing	105	231
Nonaccrual	0	0
Total	105	231
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Accruing	70	83
Nonaccrual	0	0
Total	$ 70	$ 83

LOANS AND ALLOWANCE FOR LOAN_12

LOANS AND ALLOWANCE FOR LOAN LOSSES - Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2018USD ($)item	Sep. 30, 2017USD ($)item
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	4	5
Pre-Modification Principal Balance	$ 1,987	$ 840
Post-Modification Principal Balance	$ 1,967	$ 842
Residential real estate [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	1	2
Pre-Modification Principal Balance	$ 140	$ 473
Post-Modification Principal Balance	$ 120	$ 474
Commercial real estate [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	1	1
Pre-Modification Principal Balance	$ 1,674	$ 233
Post-Modification Principal Balance	$ 1,674	$ 233
Land and Land Development [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item		1
Pre-Modification Principal Balance		$ 31
Post-Modification Principal Balance		$ 32
Commercial Business [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	1	1
Pre-Modification Principal Balance	$ 170	$ 103
Post-Modification Principal Balance	$ 170	$ 103
Consumer [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	1
Pre-Modification Principal Balance	$ 3
Post-Modification Principal Balance	$ 3

LOANS AND ALLOWANCE FOR LOAN_13

LOANS AND ALLOWANCE FOR LOAN LOSSES - Analysis of Loan Servicing Fees on SBA loans (Details)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Maximum [Member]
Discount rate	26.61%	23.22%
Prepayment rate	21.17%	14.43%
Minimum [Member]
Discount rate	6.82%	10.84%
Prepayment rate	6.80%	4.32%
Weighted Average [Member]
Discount rate	11.11%	14.63%
Prepayment rate	14.10%	10.08%

LOANS AND ALLOWANCE FOR LOAN_14

LOANS AND ALLOWANCE FOR LOAN LOSSES- Estimate the fair value of the loan servicing rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Net servicing income (costs)	$ 1,245	$ 863	$ (9)
Bank Servicing [Member]
Revenue from Contract with Customer, Including Assessed Tax	41	17	47
Banking [Member]
Revenue from Contract with Customer, Including Assessed Tax	$ 1,286	$ 880	$ 38

LOANS AND ALLOWANCE FOR LOAN_15

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loan Servicing Rights (Details) - Small Business Administration Loans [Member] - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Balance, beginning of period	$ 2,405	$ 1,389	$ 310
Servicing rights capitalized	1,334	1,565	1,188
Amortization	(596)	(372)	(109)
Direct write-offs	(142)	0	0
Change in valuation allowance	29	(177)	0
Balance, end of period	$ 3,030	$ 2,405	$ 1,389

LOANS AND ALLOWANCE FOR LOAN_16

LOANS AND ALLOWANCE FOR LOAN LOSSES - SBA Loan Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
LOANS AND ALLOWANCE FOR LOAN LOSSES
Balance, beginning of period	$ 177	$ 0	$ 0
Additions charged to earnings	113	177	0
Write-downs charged against allowance	(142)	0	0
Balance, end of period	$ 148	$ 177	$ 0

LOANS AND ALLOWANCE FOR LOAN_17

LOANS AND ALLOWANCE FOR LOAN LOSSES - Mortgage Servicing Rights (Details)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Maximum [Member]
Discount rate	26.61%	23.22%
Prepayment rate	21.17%	14.43%
Maximum [Member] | Mortgage Servicing Rights [Member]
Prepayment rate	72.79%
Minimum [Member]
Discount rate	6.82%	10.84%
Prepayment rate	6.80%	4.32%
Minimum [Member] | Mortgage Servicing Rights [Member]
Prepayment rate	4.42%
Weighted Average [Member]
Discount rate	11.11%	14.63%
Prepayment rate	14.10%	10.08%
Weighted Average [Member] | Mortgage Servicing Rights [Member]
Discount rate	9.25%
Prepayment rate	18.75%

LOANS AND ALLOWANCE FOR LOAN_18

LOANS AND ALLOWANCE FOR LOAN LOSSES - Mortgage Servicing Rights at Fair Value (Details) - Mortgage Servicing Rights [Member] $ in Thousands	12 Months Ended
	Sep. 30, 2019USD ($)
Balance, beginning of period	$ 0
Servicing rights capitalized	940
Changes in fair value related to:
Loan repayments	(6)
Changes in valuation model inputs or assumptions	0
Balance, end of period	$ 934

LOANS AND ALLOWANCE FOR LOAN_19

LOANS AND ALLOWANCE FOR LOAN LOSSES - Additional Information (Details) - USD ($)	3 Months Ended												12 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Impaired, Commitment to Lend	$ 1,000				$ 1,000								$ 1,000	$ 1,000
Impaired Financing Receivable, Unpaid Principal Balance	13,361,000				14,095,000				$ 11,318,000				13,361,000	14,095,000	$ 11,318,000
Financing Receivable, Allowance for Credit Losses, Write-downs													848,000	321,000	485,000
Financing Receivable, Modifications, Recorded Investment	7,675,000				9,231,000								7,675,000	9,231,000
Provision for Loan and Lease Losses	471,000	$ 337,000	$ 340,000	$ 315,000	254,000	$ 266,000	$ 371,000	$ 462,000	$ 299,000	$ 321,000	$ 375,000	$ 306,000	1,463,000	1,353,000	1,301,000
Bank Servicing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Revenue from Contract with Customer, Including Assessed Tax													41,000	17,000	$ 47,000
SBA Loan Servicing Rights [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Unpaid Principal Balance	165,000,000				$ 120,600,000								165,000,000	$ 120,600,000
Troubled Debt Restructuring [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Allowance, Covered	5,000												5,000
Financing Receivable, Modifications, Recorded Investment	114,000												114,000
Provision for Loan and Lease Losses													5,000
Mortgage Servicing Rights [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Unpaid Principal Balance	91,600,000												91,600,000
Revenue from Contract with Customer, Including Assessed Tax													30,000
Escrow Balances Maintained with Foregoing Loan Servicing and Other Liabilities	$ 427,000												$ 427,000

INVESTMENT IN HISTORIC TAX CR_2

INVESTMENT IN HISTORIC TAX CREDIT ENTITY Additional Information (Detail) - USD ($)	1 Months Ended	3 Months Ended	12 Months Ended
	Oct. 15, 2014	Mar. 31, 2018	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
INVESTMENT IN HISTORIC TAX CREDIT ENTITY
Percentage Of Received Equity Interest	99.00%
Percentage Of Receive Operating Profit And Losses	99.00%
Investment Credit Available To Be Estimated	$ 4,700,000
Other Assets	$ 4,200,000		$ 15,494,000	$ 7,690,000
Investment Tax Credit Percentage		90.00%
Historical Tax Credit On Investment		$ 5,000,000			$ 249,000
Increase In Equity Investment		$ 4,500,000
Impairment Losses In Non Interest Income					$ 226,000
Income Related To Distributions From Historic Tax Credit Entity			$ 210,000	$ 585,000

PREMISES AND EQUIPMENT - Premis

PREMISES AND EQUIPMENT - Premises And Equipment (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 28,241	$ 21,335
Less: accumulated depreciation	(9,003)	(8,322)
Property, Plant and Equipment, Net, Total	19,238	13,013
Property, Plant and Equipment [Member]
Property, Plant and Equipment [Line Items]
Depreciation expense	1,305	920	$ 820
Land and land improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	2,816	4,582
Office buildings [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	17,575	10,592
Leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	61	61
Furniture, fixtures and equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	6,596	$ 6,100
Construction in Progress [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 1,193

PREMISES AND EQUIPMENT - Additi

PREMISES AND EQUIPMENT - Additional Information (Detail) - USD ($)	3 Months Ended												12 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Property, Plant and Equipment [Line Items]
Sale Leaseback Transaction, Deferred Gain, Gross	$ 471,000												$ 471,000
Noninterest Income	18,340,000	$ 12,644,000	$ 7,089,000	$ 5,781,000	$ 4,568,000	$ 3,254,000	$ 2,567,000	$ 2,906,000	$ 2,766,000	$ 2,123,000	$ 1,861,000	$ 1,875,000	$ 43,854,000	$ 13,295,000	$ 8,625,000
Lease Expiration Term													10 years
Bank [Member]
Property, Plant and Equipment [Line Items]
Sale Leaseback Transaction, Deferred Gain, Gross	307,000												$ 307,000
Noninterest Income													164,000
Other Liabilities	$ 218,000				$ 248,000								$ 218,000	$ 248,000

OTHER REAL ESTATE OWNED - Other

OTHER REAL ESTATE OWNED - Other Real Estate Roll Forward (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Balance as of October 1	$ 103	$ 852	$ 519
Transfers from loans to other real estate owned	114	133	703
Transfers from premises and equipment to other real estate owned	1,893	0	0
Direct write-downs	0	(63)	(28)
Sales	(217)	(827)	(337)
Other adjustments	0	(23)	(5)
Balance as of September 30	1,893	103	$ 852
Acquired from FNBO [Member]
Acquired from FNBO	$ 0	$ 31

OTHER REAL ESTATE OWNED - Sched

OTHER REAL ESTATE OWNED - Schedule Of (Gain) Loss On Other Real Estate Owned (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
REAL ESTATE DEVELOPMENT AND CONSTRUCTION
Net gain on sales	$ (78)	$ (278)	$ (198)
Direct write-downs	0	63	28
Operating expenses, net of rental income	21	55	57
Profit (Loss) from Real Estate Operations	$ (57)	$ (160)	$ (113)

OTHER REAL ESTATE OWNED - Addit

OTHER REAL ESTATE OWNED - Additional Information (Detail) - Residential real estate [Member] - USD ($)	Sep. 30, 2019	Sep. 30, 2018
Other Real Estate		$ 103,000
Real Estate Acquired Through Foreclosure	$ 1,300,000	$ 1,300,000

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLES (Changes In The Carrying Amount Of Goodwill) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
GOODWILL AND OTHER INTANGIBLES
Beginning balance	$ 9,848	$ 7,936	$ 7,936
Acquisition of Dearmin/FNBO	0	1,912	0
Ending balance	$ 9,848	$ 9,848	$ 7,936

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLES (Summary Of Other Intangible Assets) (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Less accumulated amortization	$ (3,378)	$ (3,067)
Ending balance	1,416	1,727
Core Deposit Intangible Acquired In Community First Acquisition [Member]
Core deposit intangible acquired	2,741	2,741
Core Deposit Intangible Acquired In First Federal Branch Acquisition [Member]
Core deposit intangible acquired	566	566
Core deposit intangible acquired in Dearmin FNBO acquisition [Member]
Core deposit intangible acquired	$ 1,487	$ 1,487

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLES (Schedule Of Intangible Assets Amortization Expenses) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
GOODWILL AND OTHER INTANGIBLES
Amortization expense	$ 312	$ 453	$ 344

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLES (Estimated Amortization Expense For The Core Deposit Intangibles) (Detail) $ in Thousands	Sep. 30, 2019USD ($)
GOODWILL AND OTHER INTANGIBLES
2020	$ 214
2021	214
2022	214
2023	214
2024	163
2025 and thereafter	397
Total	$ 1,416

DEPOSITS (Detail)

DEPOSITS (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
DEPOSITS
Noninterest-bearing demand deposits	$ 173,072	$ 167,705
NOW accounts	173,746	173,543
Money market accounts	121,281	107,124
Savings accounts	120,393	120,995
Retail time deposits	146,227	123,007
Brokered time deposits	99,665	118,738
Total	$ 834,384	$ 811,112

DEPOSITS (Scheduled Maturities

DEPOSITS (Scheduled Maturities Of Certificates Of Deposit) (Detail) $ in Thousands	Sep. 30, 2019USD ($)
OTHER BORROWINGS
2020	$ 178,397
2021	35,969
2022	13,584
2023	8,467
2024	9,475
Time Deposits, Total	$ 245,892

DEPOSITS (Additional Informatio

DEPOSITS (Additional Information) (Detail) - USD ($)	Sep. 30, 2019	Sep. 30, 2018
OTHER BORROWINGS
Related Party Deposit Liabilities	$ 9,200,000	$ 6,900,000
Time Deposits, at or Above FDIC Insurance Limit	22,300,000	$ 12,900,000
Federal Deposit Insurance Corporation Insurance Limit	$ 250,000

FEDERAL FUNDS PURCHASED (Additi

FEDERAL FUNDS PURCHASED (Additional Information) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Percentage Of Equity Capital	25.00%
Federal Funds Purchased Expiration Date1	Jun. 30, 2020
Federal Funds Purchased	$ 4,000	$ 0
Federal Funds Outstanding	4,000
Discretionary Line Of Credit Facility [Member]
Federal Funds Purchased	15,000
Line of Credit [Member]
Federal Funds Purchased	$ 20,000

REPURCHASE AGREEMENTS (Deposit

REPURCHASE AGREEMENTS (Deposit Customers And Long-Term Repurchase Agreements) (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Short-term repurchase agreements	$ 0	$ 1,352
Retail Repurchase Agreements [Member]
Assets Sold under Agreements to Repurchase, Interest Rate		0.25%
Short-term repurchase agreements		$ 1,352

REPURCHASE AGREEMENTS (Borrowin

REPURCHASE AGREEMENTS (Borrowings Under Retail Repurchase Agreements) (Detail) - Retail Repurchase Agreements [Member] - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Weighted average interest rate during the year	0.25%	0.25%	0.25%
Average balance during the year	$ 1,075	$ 1,350	$ 1,346
Maximum month-end balance during the year	$ 1,354	$ 1,352	$ 1,348

REPURCHASE AGREEMENTS (Addition

REPURCHASE AGREEMENTS (Additional Information) (Detail) - USD ($)	Sep. 30, 2019	Sep. 30, 2018
Available-for-sale Securities [Member]
Securities Sold under Agreements to Repurchase, Fair Value of Collateral	$ 0	$ 1,600,000

BORROWINGS FROM FEDERAL HOME _3

BORROWINGS FROM FEDERAL HOME LOAN BANK (Borrowings From The FHLB) (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
BORROWINGS FROM FEDERAL HOME LOAN BANK
2019 Weighted Average Rate	0.00%	1.57%
2020 Weighted Average Rate	1.88%	1.86%
2021 Weighted Average Rate	2.12%	1.87%
2022 Weighted Average Rate	2.01%	2.01%
2024 and beyond Weighted Average Rate	1.34%	1.26%
2019 Amount	$ 0	$ 15,000
2020 Amount	40,000	25,000
2021 Amount	30,000	10,000
2022 Amount	10,000	10,000
2024 and beyond Amount	130,000	30,000
Total advances	$ 210,000	$ 90,000
Line of credit balance (Weighted Average Rate)	2.33%	2.01%
Line of credit facility maximum amount outstanding	$ 12,544
Advances from Federal Home Loan Banks, Total	$ 222,544	$ 90,000

BORROWINGS FROM FEDERAL HOME _4

BORROWINGS FROM FEDERAL HOME LOAN BANK (Additional Information) (Detail) - USD ($) $ in Millions	Sep. 30, 2019	Aug. 14, 2018	Jun. 30, 2018	May 31, 2017	Jun. 19, 2014
Security Owned and Pledged as Collateral, Fair Value			$ 2.3
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances				$ 2.2
Commercial real estate [Member]
Loans Pledged as Collateral	$ 314
Residential Mortgage Loans [Member]
Mortgage Collateral Pledged For Borrowings	194.8
Securities Investment [Member]
Security Owned and Pledged as Collateral, Fair Value		$ 30			$ 3.3
Line of Credit Facility, Fair Value of Amount Outstanding	12.5
Securities Available For Sale [Member]
Security Owned and Pledged as Collateral, Fair Value	$ 10.7

OTHER BORROWINGS (Detail)

OTHER BORROWINGS (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Interest Expense, Debt	$ 1,277	$ 33	$ 0
Subordinated Debt [Member]
Interest Expense, Debt	$ 1,277	$ 33	$ 0

OTHER BORROWINGS (Additional In

OTHER BORROWINGS (Additional Information) (Detail) - USD ($)	Sep. 20, 2018	Sep. 30, 2019	Sep. 30, 2018
Subordinated Debt	$ 20,000,000
Subordinated Borrowing, Interest Rate	6.02%
Subordinated Debt [Member]
Unamortized Debt Issuance Expense		$ 271,000	$ 339,000

DEFERRED COMPENSATION PLANS (De

DEFERRED COMPENSATION PLANS (Deferred Compensation Expense) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Officer [Member]
Deferred compensation expense	$ 80	$ 51	$ 80

DEFERRED COMPENSATION PLANS (_2

DEFERRED COMPENSATION PLANS (Deferred Directors Fees Expense) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Director [Member]
Deferred directors' fee expense	$ 263	$ 224	$ 194

DEFERRED COMPENSATION PLANS (Ad

DEFERRED COMPENSATION PLANS (Additional Information) (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Deferred Compensation Arrangement with Individual, Description	The Company accrues interest on the deferred obligation at an annual rate equal to the prime rate for the immediately preceding calendar quarter plus 2%, but in no event at a rate in excess of 8%
Deferred Compensation Arrangement with Individual, Recorded Liability	$ 211,000	$ 132,000
Director [Member]
Deferred Compensation Arrangement with Individual, Recorded Liability	$ 1,400,000	$ 1,400,000

BENEFIT PLANS (Contributions To

BENEFIT PLANS (Contributions To The Plan) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
BENEFIT PLANS
Company contributions to the plan	$ 762	$ 576	$ 493

BENEFIT PLANS (Compensation Exp

BENEFIT PLANS (Compensation Expense Recognized) (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
BENEFIT PLANS
Compensation expense	$ 0	$ 0	$ 0

BENEFIT PLANS (Additional Infor

BENEFIT PLANS (Additional Information) (Detail) - $ / shares	Oct. 06, 2008	Sep. 30, 2019	Sep. 30, 2018
BENEFIT PLANS
Employee Stock Ownership Plan (ESOP), Shares in ESOP	203,363	136,219	151,999
Employee Stock Ownership Plan (ESOP), Weighted Average Purchase Price of Shares Purchased	$ 10

STOCK-BASED COMPENSATION PLAN_2

STOCK-BASED COMPENSATION PLANS (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
STOCK-BASED COMPENSATION PLANS
Stock option expense	$ 72	$ 68	$ 55
Restricted stock expense	$ 173	$ 148	$ 121

STOCK-BASED COMPENSATION PLAN_3

STOCK-BASED COMPENSATION PLANS - Fair Value Of Options Granted (Details)	12 Months Ended
	Sep. 30, 2019$ / shares
STOCK-BASED COMPENSATION PLANS
Expected dividend yield	1.75%
Risk-free interest rate	2.13%
Expected volatility	14.60%
Expected life of options	7 years 6 months
Weighted average fair value at grant date	$ 6.13

STOCK-BASED COMPENSATION PLAN_4

STOCK-BASED COMPENSATION PLANS - Stock Option Activity (Details) - USD ($)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Number of Shares
Outstanding at beginning of year	150,033
Granted	2,400
Exercised	(66,877)	(55,296)	(26,858)
Forfeited or expired	(750)
Outstanding at end of year	84,806	150,033
Vested and expected to vest	84,806
Exercisable at end of year	46,439
Weighted Average Exercise Price
Outstanding at beginning of year	$ 24.88
Granted	59.23
Exercised	14.21
Forfeited or expired	40.09
Outstanding at end of year	34.13	$ 24.88
Vested and expected to vest	34.13
Exercisable at end of year	$ 24.97
Weighted Average Remaining Contractual Term
Outstanding of year	5 years 2 months 12 days
Vested and expected to vest	5 years 2 months 12 days
Exercisable at end of year	3 years 3 months 18 days
Aggregate Intrinsic Value
Outstanding at end of year	$ 2,495,000
Vested and expected to vest	2,495,000
Exercisable at end of year	$ 1,782,000

STOCK-BASED COMPENSATION PLAN_5

STOCK-BASED COMPENSATION PLANS - Nonvested Restricted Shares (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Number of Shares
Nonvested	14,812
Granted	2,500
Vested	(3,653)	(3,453)	0
Forfeited	(201)
Nonvested	13,458	14,812
Weighted Average Grant Date Fair Value
Nonvested	$ 41.20
Granted	59.23
Vested	40.99
Forfeited	40.09
Nonvested	$ 44.62	$ 41.20

STOCK-BASED COMPENSATION PLAN_6

STOCK-BASED COMPENSATION PLANS - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	8,658
Stock or Unit Option Plan Expense	$ 72,000	$ 68,000	$ 55,000
Employee Stock Ownership Plan (ESOP), Compensation Expense	0	0	0
Proceeds from Stock Options Exercised	$ 408,000	362,000	62,000
Equity Incentive Plan 2016 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	88,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested in Period, Fair Value	$ 100,000
Stock Option Plan 2016 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	11,991
Employee Stock Option [Member]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Share-based Awards Other than Options	$ 174,000
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	2 years 6 months 11 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	$ 2,600,000	$ 2,800,000	$ 860,000
Proceeds from Stock Options Exercised	408,000
Stock Issued, Value, Stock Options Exercised, Net of Tax Benefit (Expense)	$ 237,000
Employee Stock Option [Member] | Equity Incentive Plan 2016 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	66,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	3,653	3,453	0
Fair value of restricted shares	$ 216,000	$ 195,000
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Share-based Awards Other than Options	$ 446,000
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Period for Recognition	2 years 9 months 7 days
Restricted Stock [Member] | Equity Incentive Plan 2016 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	22,000
Equity Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	10,555
Equity Option [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	1,436

INCOME TAXES (Consolidated Inco

INCOME TAXES (Consolidated Income Tax Expense) (Detail) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended												12 Months Ended
	Dec. 31, 2017	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
INCOME TAXES
Current														$ 2,493	$ 1,753	$ 683
Valuation allowance														166	102	76
Deferred														436	567	1,761
Income Tax Expense (Benefit), Total	$ 619	$ 1,359	$ 748	$ 466	$ 522	$ 766	$ 696	$ 338	$ 622	$ 840	$ 586	$ 413	$ 681	$ 3,095	$ 2,422	$ 2,520

INCOME TAXES (Reconciliation Of

INCOME TAXES (Reconciliation Of Income Tax Expense) (Detail) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended												12 Months Ended
	Dec. 31, 2017	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
INCOME TAXES
Provision at federal statutory rate														$ 4,219	$ 3,616	$ 4,023
State income tax-net of federal tax benefit														327	110	234
Federal tax rate change - 2017 Tax Cut and Jobs Act														0	(145)	0
Tax-exempt interest income														(890)	(917)	(1,082)
Bank owned life insurance														(111)	(104)	(210)
Captive insurance net premiums														(223)	(208)	(275)
Increase in deferred tax valuation allowance														166	102	76
Historic tax credit														0	0	(249)
Other														(393)	(32)	3
Income Tax Expense (Benefit), Total	$ 619	$ 1,359	$ 748	$ 466	$ 522	$ 766	$ 696	$ 338	$ 622	$ 840	$ 586	$ 413	$ 681	$ 3,095	$ 2,422	$ 2,520

INCOME TAXES (Deferred Tax Asse

INCOME TAXES (Deferred Tax Assets And Liabilities) (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Deferred tax assets:
Allowance for loan losses	$ 1,681	$ 1,763
Deferred compensation plans	391	371
Equity incentive plans	48	55
Other-than-temporary impairment loss on available for sale securities	27	27
Valuation allowance on other real estate owned	0	67
Interest on nonaccrual loans	111	105
Loss on tax credit investment	1,418	1,342
Deferred loan fees and costs, net	138	158
Investment in subsidiary	493	179
Other	65	132
Gross deferred tax assets	4,372	4,199
Valuation allowance	(1,412)	(1,342)
Net deferred tax assets	2,960	2,857
Deferred tax liabilities:
Unrealized gain on securities available for sale	(2,017)	(92)
Accumulated depreciation	(690)	(519)
Installment sale	(314)	(313)
Acquisition purchase accounting adjustments	(777)	(735)
Mortgage servicing rights	(223)
FHLB stock dividends	(84)	(84)
Prepaid expenses	(515)	(337)
Others	(107)	(113)
Deferred tax liabilities	(4,727)	(2,193)
Net deferred tax asset (liability)	$ (1,767)	$ 664

INCOME TAXES (Additional Inform

INCOME TAXES (Additional Information) (Detail) - USD ($)	Dec. 22, 2017	Dec. 31, 2017	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
INCOME TAXES
Cumulative Effect on Retained Earnings, Net of Tax															$ 4,600,000	$ 4,600,000
Deferred Tax Liabilities, Deferred Expense			$ 957,000				$ 957,000								$ 957,000	$ 957,000
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	34.00%														21.00%	24.50%	34.00%
Tax Credit Carryforward, Amount			6,300,000												$ 6,300,000
Income Tax Expense (Benefit)		$ 619,000	1,359,000	$ 748,000	$ 466,000	$ 522,000	766,000	$ 696,000	$ 338,000	$ 622,000	$ 840,000	$ 586,000	$ 413,000	$ 681,000	3,095,000	$ 2,422,000	$ 2,520,000
Deferred Tax Assets Available for Sale Securities Percentage		21.00%								21.00%
Deferred Tax Liabilities, Net							145,000									145,000
Deferred Tax Assets, Valuation Allowance			$ 1,412,000				$ 1,342,000								$ 1,412,000	$ 1,342,000

OPERATING LEASES (Details)

OPERATING LEASES (Details) $ in Thousands	Sep. 30, 2019USD ($)
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2020	$ 994
2021	609
2022	426
2023	310
2024	203
2025 and thereafter	590
Total	$ 3,132

OPERATING LEASES - Rent Expense

OPERATING LEASES - Rent Expense Under Operating Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Income and Expenses, Lessee [Abstract]
Rent expense	$ 1,206	$ 462	$ 278

OPERATING LEASES - Lessor Tenan

OPERATING LEASES - Lessor Tenants Under Non cancelable (Details) $ in Thousands	Sep. 30, 2019USD ($)
Lessor, Operating Lease, Payments, Fiscal Year Maturity [Abstract]
2020	$ 499
2021	165
2022	87
2023	41
2024	7
2025 and thereafter	0
Total	$ 799

OPERATING LEASES - Additional i

OPERATING LEASES - Additional information (Details)	12 Months Ended
	Sep. 30, 2019
Maximum [Member]
Lessor, Operating Lease, Description [Abstract]
Noncancelable Operating Leases Terms	10 years
Minimum [Member]
Lessor, Operating Lease, Description [Abstract]
Noncancelable Operating Leases Terms	3 years

FINANCIAL INSTRUMENTS WITH OF_3

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Total commitments to extend credit	$ 141,951	$ 126,241
Fixed Rate Residential Mortgage [Member]
Total commitments to extend credit	28,079	14,578
Adjustable Rate Residential Mortgage [Member]
Total commitments to extend credit	22,546	22,811
Guarantees of third-party revolving credit [Member]
Total commitments to extend credit	157	157
Home Equity Line of Credit [Member]
Total commitments to extend credit	32,269	30,629
Commercial Business [Member]
Total commitments to extend credit	35,718	35,637
Construction Loans In Process [Member]
Total commitments to extend credit	$ 23,182	$ 22,429

FINANCIAL INSTRUMENTS WITH OF_4

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK - Additional Information (Details) - USD ($) $ in Millions	Sep. 30, 2019	Sep. 30, 2018
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK
Letters of Credit Outstanding, Amount	$ 5	$ 5.4

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Notional Amount	$ 461,795	$ 30,384
Asset Derivatives	3,399	421
Liability Derivatives	329
Interest Rate Lock Commitments [Member]
Notional Amount	258,545	16,634
Asset Derivatives	3,269	380
Liability Derivatives	0
Forward Mortgage Loan Sale Contracts [Member]
Notional Amount	203,250	13,750
Asset Derivatives	130	$ 41
Liability Derivatives	$ 329

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Income (loss) Related To Derivative Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Income (loss) related to derivative financial instruments	$ (573)	$ 417	$ 0
Interest Rate Lock Commitments [Member]
Income (loss) related to derivative financial instruments	2,889	380	0
Forward Mortgage Loan Sale Contracts [Member]
Income (loss) related to derivative financial instruments	$ (3,462)	$ 37	$ 0

FAIR VALUE MEASUREMENTS (Balanc

FAIR VALUE MEASUREMENTS (Balances Of Financial Assets Measured At Fair Value On Recurring And Nonrecurring) (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	$ 177,302	$ 184,373
Total loans held for sale	80,457	9,952
Residential mortgage loans held for sale	810,658	704,271
Derivative assets (included in other assets)	3,399	421
Equity securities (included in other assets)	85
Mortgage servicing rights (included in other assets)	934
Derivative liabilities (included in other liabilities)	329
Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	1,893
Agency mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	14,097	31,130
Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	9,048	10,441
Privately-issued CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,382	1,579
Privately-issued ABS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,178	1,884
SBA certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,154	1,351
Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	150,443	137,988
Residential real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	1,300	1,300
Former Bank Premises | Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	1,893
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	177,302	184,373
Derivative assets (included in other assets)	3,399
Recurring | Agency mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	14,097	31,130
Recurring | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	9,048	10,441
Recurring | Privately-issued CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,382	1,579
Recurring | Privately-issued ABS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,178	1,884
Recurring | SBA certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,154	1,351
Recurring | Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	150,443	137,988
Recurring | Residential Mortgage Loans Held For Sale Fair Value Option Elected [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	80,457	9,952
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	11,889	12,816
Loans servicing rights	3,030	2,405
Total other real estate owned		103
Fair Value, Measurements, Nonrecurring | Residential real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	4,438	5,100
Fair Value, Measurements, Nonrecurring | Commercial real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	7,135	7,227
Fair Value, Measurements, Nonrecurring | Commercial Business [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	105	231
Fair Value, Measurements, Nonrecurring | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	211	231
Fair Value, Measurements, Nonrecurring | Land and Land Development [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans		27
Fair Value, Measurements, Nonrecurring | Small Business Administration Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	15,613	21,659
Fair Value, Measurements, Nonrecurring | Residential mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned		103
Fair Value, Measurements, Nonrecurring | Residential Mortgage Loans Held For Sale Fair Value Option Not Elected [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale		514
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Loans servicing rights	0	0
Residential mortgage loans held for sale	0	0
Derivative assets (included in other assets)	0	0
Equity securities (included in other assets)	85
Mortgage servicing rights (included in other assets)	0
Derivative liabilities (included in other liabilities)	0
Level 1 | Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	0
Level 1 | Residential mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans servicing rights	0
Residential mortgage loans held for sale	0	0
Level 1 | Former Bank Premises | Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	0
Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Derivative assets (included in other assets)	0
Level 1 | Recurring | Agency mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 1 | Recurring | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 1 | Recurring | Privately-issued CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 1 | Recurring | Privately-issued ABS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 1 | Recurring | SBA certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 1 | Recurring | Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 1 | Recurring | Residential Mortgage Loans Held For Sale Fair Value Option Elected [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	0	0
Level 1 | Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Loans servicing rights	0	0
Total other real estate owned		0
Level 1 | Fair Value, Measurements, Nonrecurring | Residential real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Commercial real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Commercial Business [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Land and Land Development [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans		0
Level 1 | Fair Value, Measurements, Nonrecurring | Small Business Administration Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Residential mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned		0
Level 1 | Fair Value, Measurements, Nonrecurring | Residential Mortgage Loans Held For Sale Fair Value Option Not Elected [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale		0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	177,302	184,373
Loans servicing rights	0	0
Residential mortgage loans held for sale	0	0
Derivative assets (included in other assets)	130	41
Equity securities (included in other assets)	0
Mortgage servicing rights (included in other assets)	0
Derivative liabilities (included in other liabilities)	329
Level 2 | Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	0
Level 2 | Residential mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans servicing rights	0
Residential mortgage loans held for sale	80,457	10,476
Level 2 | Former Bank Premises | Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	0
Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	177,302	184,373
Derivative assets (included in other assets)	130
Level 2 | Recurring | Agency mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	14,097	31,130
Level 2 | Recurring | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	9,048	10,441
Level 2 | Recurring | Privately-issued CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,382	1,579
Level 2 | Recurring | Privately-issued ABS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,178	1,884
Level 2 | Recurring | SBA certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	1,154	1,351
Level 2 | Recurring | Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	150,443	137,988
Level 2 | Recurring | Residential Mortgage Loans Held For Sale Fair Value Option Elected [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	80,457	9,952
Level 2 | Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Loans servicing rights	0	0
Total other real estate owned		0
Level 2 | Fair Value, Measurements, Nonrecurring | Residential real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Commercial real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Commercial Business [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Land and Land Development [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans		0
Level 2 | Fair Value, Measurements, Nonrecurring | Small Business Administration Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	15,613	21,659
Level 2 | Fair Value, Measurements, Nonrecurring | Residential mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned		0
Level 2 | Fair Value, Measurements, Nonrecurring | Residential Mortgage Loans Held For Sale Fair Value Option Not Elected [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale		514
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Loans servicing rights	3,030	2,405
Residential mortgage loans held for sale	841,646	673,652
Derivative assets (included in other assets)	3,269	380
Equity securities (included in other assets)	0
Mortgage servicing rights (included in other assets)	934
Derivative liabilities (included in other liabilities)	0
Level 3 | Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	1,893
Level 3 | Residential mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans servicing rights	934
Residential mortgage loans held for sale	0	0
Level 3 | Former Bank Premises | Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	1,893
Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Derivative assets (included in other assets)	3,269
Level 3 | Recurring | Agency mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 3 | Recurring | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 3 | Recurring | Privately-issued CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 3 | Recurring | Privately-issued ABS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 3 | Recurring | SBA certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 3 | Recurring | Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
Level 3 | Recurring | Residential Mortgage Loans Held For Sale Fair Value Option Elected [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	0	0
Level 3 | Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	11,889	12,816
Loans servicing rights	3,030	2,405
Total other real estate owned		103
Level 3 | Fair Value, Measurements, Nonrecurring | Residential real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	4,438	5,100
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	7,135	7,227
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial Business [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	105	231
Level 3 | Fair Value, Measurements, Nonrecurring | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	211	231
Level 3 | Fair Value, Measurements, Nonrecurring | Land and Land Development [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans		27
Level 3 | Fair Value, Measurements, Nonrecurring | Small Business Administration Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	$ 0	0
Level 3 | Fair Value, Measurements, Nonrecurring | Residential mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned		103
Level 3 | Fair Value, Measurements, Nonrecurring | Residential Mortgage Loans Held For Sale Fair Value Option Not Elected [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale		$ 0

FAIR VALUE MEASUREMENTS (Fair V

FAIR VALUE MEASUREMENTS (Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation) (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
FAIR VALUE MEASUREMENTS
Beginning balance	$ 380,000	$ 0	$ 0
Unrealized gains recognized in earnings, net of settlements	2,889,000	380,000	0
Ending balance	$ 3,269,000	$ 380,000	$ 0

FAIR VALUE MEASUREMENTS (Fair_2

FAIR VALUE MEASUREMENTS (Fair Value Measurement Inputs and Valuation Techniques) (Detail) - Interest Rate Lock Commitments [Member]	Sep. 30, 2019	Sep. 30, 2018
Pull Through Rate [Member] | Maximum [Member]
Debt Instrument, Interest Rate	100.00%	95.00%
Pull Through Rate [Member] | Minimum [Member]
Debt Instrument, Interest Rate	55.00%	72.00%
Direct Costs to Close [Member]
Debt Instrument, Interest Rate	1.00%
Direct Costs to Close [Member] | Maximum [Member]
Debt Instrument, Interest Rate		3.00%
Direct Costs to Close [Member] | Minimum [Member]
Debt Instrument, Interest Rate	1.00%	1.00%

FAIR VALUE MEASUREMENTS (Summar

FAIR VALUE MEASUREMENTS (Summary of reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3)) (Detail) - Mortgage Service Rights $ in Thousands	12 Months Ended
	Sep. 30, 2019USD ($)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Issuances (loans sold with servicing retained)	$ 940
Net settlements	(6)
Unrealized gains (losses) included in earnings	0
Ending balance	$ 934

FAIR VALUE MEASUREMENTS (Summ_2

FAIR VALUE MEASUREMENTS (Summary of information about significant unobservable inputs (Level 3) used in the valuation of MSRs measured at fair value on a recurring basis (Level 3)) (Detail)	Sep. 30, 2019
Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	9.25
Prepayment rate | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	4.42
Prepayment rate | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	72.79

FAIR VALUE MEASUREMENTS (Provis

FAIR VALUE MEASUREMENTS (Provisions For Loan Losses Recognized For Impaired Loans) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Provision for loan losses recognized	$ 860	$ 573	$ 182

FAIR VALUE MEASUREMENTS (Schedu

FAIR VALUE MEASUREMENTS (Schedule of Impairment Charges to Write Down Loan Servicing Rights at Fair Value) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
FAIR VALUE MEASUREMENTS
Charges to write down SBA loan servicing rights	$ 113	$ 177	$ 0

FAIR VALUE MEASUREMENTS (Charge

FAIR VALUE MEASUREMENTS (Charges To Write Down Real Estate Owned To Fair Value) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
FAIR VALUE MEASUREMENTS
Charges to write down other real estate owned	$ 0	$ 63	$ 28

FAIR VALUE MEASUREMENTS (Summ_3

FAIR VALUE MEASUREMENTS (Summary of Aggregate Fair Value and the Aggregate Remaining Principal Balance for Residential Mortgage Loans Held for Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
FAIR VALUE MEASUREMENTS
Residential mortgage loans held for sale Aggregate Fair Value	$ 80,457	$ 9,952
Residential mortgage loans held for sale Aggregate Principal Balance	77,787	9,695
Residential mortgage loans held for sale Difference	$ 2,670	$ 257

FAIR VALUE MEASUREMENTS (Summ_4

FAIR VALUE MEASUREMENTS (Summary of Gains and Losses and Interest Included in Earnings Related to Financial Assets Measured at Fair Value Under the Fair Value Options (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Gains - included in mortgage banking income	$ 2,670	$ 257
Fees and Commissions, Mortgage Banking and Servicing	33,007	2,318	$ 530
Total gains and interest included in earnings	4,008	633	0
Interest Income [Member]
Interest income	1,516	376	0
Mortgage Banking [Member]
Gains - included in mortgage banking income	$ 2,492	$ 257	$ 0

FAIR VALUE MEASUREMENTS (Carryi

FAIR VALUE MEASUREMENTS (Carrying Value And Estimated Fair Value Of Financial Instruments) (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018	Sep. 20, 2018
Financial assets:
Cash and due from banks	$ 13,008	$ 14,191
Interest-bearing deposits with banks	28,424	28,083
Fair Value	177,302	184,373
Securities held to maturity	2,336	2,607
Loans, net of allowance for loan losses of $10,040 and $9,323	810,658	704,271
Derivative assets (included in other assets)	3,399	421
Equity securities (included in other assets)	85
Mortgage servicing rights (included in other assets)	934
Financial liabilities:
Deposits	834,384	811,112
Federal funds purchased	0	1,352
Borrowings from FHLB	222,544	90,000
Subordinated note			$ 20,000
Accrued interest payable	935	743
Advance payments by borrowers for taxes and insurance	1,906	1,218
Derivative liabilities (included in other liabilities)	329
Level 1
Financial assets:
Cash and due from banks	13,008	14,191
Interest-bearing deposits with banks	28,424	28,083
Interest-bearing time deposits	0	0
Fair Value	0	0
Securities held to maturity	0	0
Loans, net of allowance for loan losses of $10,040 and $9,323	0	0
FRB and FHLB stock
Accrued interest receivable	0	0
SBA loan servicing rights (included in other assets)	0	0
Derivative assets (included in other assets)	0	0
Equity securities (included in other assets)	85
Mortgage servicing rights (included in other assets)	0
Financial liabilities:
Deposits	0	0
Federal funds purchased	0	0
Borrowings from FHLB	0	0
Subordinated note	0	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)	0
Level 1 | Small Business Administration Loans [Member]
Financial assets:
Loans, net of allowance for loan losses of $10,040 and $9,323	0	0
Level 1 | Residential mortgage loans held for sale [Member]
Financial assets:
Loans, net of allowance for loan losses of $10,040 and $9,323	0	0
SBA loan servicing rights (included in other assets)	0
Level 2
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	2,265	2,494
Fair Value	177,302	184,373
Securities held to maturity	2,670	2,896
Loans, net of allowance for loan losses of $10,040 and $9,323	0	0
FRB and FHLB stock
Accrued interest receivable	5,041	4,287
SBA loan servicing rights (included in other assets)	0	0
Derivative assets (included in other assets)	130	41
Equity securities (included in other assets)	0
Mortgage servicing rights (included in other assets)	0
Financial liabilities:
Deposits	0	0
Federal funds purchased	4,000	1,352
Borrowings from FHLB	222,432	84,175
Subordinated note	21,143	19,661
Accrued interest payable	935	743
Advance payments by borrowers for taxes and insurance	1,906	1,218
Derivative liabilities (included in other liabilities)	329
Level 2 | Small Business Administration Loans [Member]
Financial assets:
Loans, net of allowance for loan losses of $10,040 and $9,323	17,040	23,488
Level 2 | Residential mortgage loans held for sale [Member]
Financial assets:
Loans, net of allowance for loan losses of $10,040 and $9,323	80,457	10,476
SBA loan servicing rights (included in other assets)	0
Level 3
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	0	0
Fair Value	0	0
Securities held to maturity	0	0
Loans, net of allowance for loan losses of $10,040 and $9,323	841,646	673,652
FRB and FHLB stock
Accrued interest receivable	0	0
SBA loan servicing rights (included in other assets)	3,030	2,405
Derivative assets (included in other assets)	3,269	380
Equity securities (included in other assets)	0
Mortgage servicing rights (included in other assets)	934
Financial liabilities:
Deposits	835,483	809,305
Federal funds purchased	0	0
Borrowings from FHLB	0	0
Subordinated note	0	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)	0
Level 3 | Small Business Administration Loans [Member]
Financial assets:
Loans, net of allowance for loan losses of $10,040 and $9,323	0	0
Level 3 | Residential mortgage loans held for sale [Member]
Financial assets:
Loans, net of allowance for loan losses of $10,040 and $9,323	0	0
SBA loan servicing rights (included in other assets)	934
Estimate of Fair Value Measurement [Member]
Financial assets:
Cash and due from banks	13,008	14,191
Interest-bearing deposits with banks	28,424	28,083
Interest-bearing time deposits	2,265	2,501
Fair Value	177,302	184,373
Securities held to maturity	2,336	2,607
Loans, net of allowance for loan losses of $10,040 and $9,323	810,658	704,271
FRB and FHLB stock	13,040	9,621
Accrued interest receivable	5,041	4,287
SBA loan servicing rights (included in other assets)	3,030	2,405
Derivative assets (included in other assets)	3,399	421
Equity securities (included in other assets)	85
Financial liabilities:
Deposits	834,384	811,112
Federal funds purchased	4,000	1,352
Borrowings from FHLB	222,544	90,000
Subordinated note	19,729	19,661
Accrued interest payable	935	743
Advance payments by borrowers for taxes and insurance	1,906	1,218
Derivative liabilities (included in other liabilities)	329
Estimate of Fair Value Measurement [Member] | Small Business Administration Loans [Member]
Financial assets:
Loans, net of allowance for loan losses of $10,040 and $9,323	15,613	21,659
Estimate of Fair Value Measurement [Member] | Residential mortgage loans held for sale [Member]
Financial assets:
Loans, net of allowance for loan losses of $10,040 and $9,323	80,457	$ 10,466
SBA loan servicing rights (included in other assets)	$ 934

FAIR VALUE MEASUREMENTS (Additi

FAIR VALUE MEASUREMENTS (Additional information) (Detail)	12 Months Ended
	Sep. 30, 2019USD ($)	Sep. 30, 2018USD ($)	Sep. 30, 2017USD ($)	Sep. 30, 2016USD ($)
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis with Unobservable Inputs	$ 3,269,000	$ 380,000	$ 0	$ 0
Discount rate
Other Real Estate Owned, Measurement Input	10.5	48.9
Foreclosed Real Estate Held [Member] | Discount rate
Other Real Estate Owned, Measurement Input		15
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	26.61%	23.22%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	21.17%	14.43%
Maximum [Member] | Discount rate
Other Real Estate Owned, Measurement Input	15	100
Maximum [Member] | Collateral [Member] | Discount rate
Fair Value Inputs Discount Rate		12.00%
Maximum [Member] | Impaired Loans [Member] | Discount rate
Fair Value Inputs Discount Rate	75.00%
Maximum [Member] | SBA Loan Servicing Rights [Member] | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	26.61%	23.22%
Maximum [Member] | SBA Loan Servicing Rights [Member] | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	21.17%	14.43%
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	6.82%	10.84%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	6.80%	4.32%
Minimum [Member] | Discount rate
Other Real Estate Owned, Measurement Input	0
Minimum [Member] | Collateral [Member] | Discount rate
Fair Value Inputs Discount Rate		0.00%
Minimum [Member] | Impaired Loans [Member] | Discount rate
Fair Value Inputs Discount Rate	0.00%
Minimum [Member] | SBA Loan Servicing Rights [Member] | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	6.82%	10.84%
Minimum [Member] | SBA Loan Servicing Rights [Member] | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	6.80%	4.32%
Weighted Average [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	11.11%	14.63%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	14.10%	10.08%
Weighted Average [Member] | SBA Loan Servicing Rights [Member] | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	11.11%	14.63%
Weighted Average [Member] | SBA Loan Servicing Rights [Member] | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	14.10%	10.08%

CAPITAL REQUIREMENTS AND REST_3

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Bank's Actual Capital Amounts And Ratios) (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Consolidated
Total capital (to risk-weighted assets) Actual Amount	$ 130,700	$ 114,911
Tier I capital (to risk-weighted assets) Actual Amount	100,931	85,927
Common equity tier I capital (to risk-weighted assets) Actual Amount	100,931	85,927
Tier I capital (to average adjusted total assets) Actual Amount	$ 100,931	$ 85,927
Total capital (to risk weighted assets) Actual Ratio	13.85%	14.50%
Tier I capital (to risk-weighted assets) Actual Ratio	10.70%	10.84%
Common equity tier I capital (to risk-weighted assets) Actual Ratio	10.70%	10.84%
Tier I capital (to average adjusted total assets) Actual Ratio	8.39%	8.39%
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 75,474	$ 63,402
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	56,606	47,551
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	42,454	35,663
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 48,142	$ 40,982
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	8.00%	8.00%
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	6.00%	6.00%
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Ratio	4.50%	4.50%
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Ratio	4.00%	4.00%
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio
Bank [Member]
Total capital (to risk-weighted assets) Actual Amount	$ 121,160	$ 102,281
Tier I capital (to risk-weighted assets) Actual Amount	111,120	92,958
Common equity tier I capital (to risk-weighted assets) Actual Amount	111,120	92,958
Tier I capital (to average adjusted total assets) Actual Amount	$ 111,120	$ 92,958
Total capital (to risk weighted assets) Actual Ratio	12.88%	12.92%
Tier I capital (to risk-weighted assets) Actual Ratio	11.81%	11.75%
Common equity tier I capital (to risk-weighted assets) Actual Ratio	11.81%	11.75%
Tier I capital (to average adjusted total assets) Actual Ratio	9.34%	9.10%
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 75,249	$ 63,312
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	56,437	47,484
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	42,327	35,613
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 47,564	$ 40,840
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	8.00%	8.00%
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	6.00%	6.00%
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Ratio	4.50%	4.50%
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Ratio	4.00%	4.00%
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 94,061	$ 79,140
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	75,249	63,312
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	61,140	51,441
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 59,455	$ 51,050
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	10.00%	10.00%
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	8.00%	8.00%
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	6.50%	6.50%
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	5.00%	5.00%

CAPITAL REQUIREMENTS AND REST_4

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Additional Information) (Detail) - USD ($) $ in Millions	Sep. 30, 2019	Sep. 20, 2018	Sep. 30, 2015	Mar. 31, 2008
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Capital Conservation Buffer, Percentage	2.50%	1.875%	0.00%
Liquidation Account				$ 29.3

SUPPLEMENTAL DISCLOSURE FOR E_3

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE (Earnings Per Share Information) (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Earnings:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders					$ 2,744	$ 3,106	$ 1,646	$ 3,406	$ 2,339	$ 2,443	$ 2,194	$ 2,337	$ 16,177	$ 10,902	$ 9,313
Shares:
Weighted average common shares outstanding, basic													2,315,697	2,258,020	2,219,088
Net income per share, basic	$ 2.28	$ 1.88	$ 1.53	$ 1.28	$ 1.20	$ 1.37	$ 0.73	$ 1.53	$ 1.05	$ 1.10	$ 0.99	$ 1.06	$ 6.99	$ 4.83	$ 4.20
Earnings:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders													$ 16,177	$ 10,902	$ 9,313
Shares:
Weighted average common shares outstanding, basic													2,315,697	2,258,020	2,219,088
Add: Dilutive effect of outstanding options													50,623	107,274	123,557
Add: Dilutive effect of restricted stock													5,764	7,260	3,363
Weighted average common shares outstanding, as adjusted													2,372,084	2,372,554	2,346,008
Net income per common share, diluted	$ 2.24	$ 1.85	$ 1.50	$ 1.24	$ 1.15	$ 1.31	$ 0.69	$ 1.44	$ 0.99	$ 1.04	$ 0.94	$ 1	$ 6.82	$ 4.60	$ 3.97

SUPPLEMENTAL DISCLOSURE FOR E_4

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE (Additional Information) (Detail) - shares	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
STOCK-BASED COMPENSATION PLANS
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	7,200	7,200	4,800

PARENT COMPANY CONDENSED FINA_3

PARENT COMPANY CONDENSED FINANCIAL INFORMATION (Balance Sheets) (Detail) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018	Sep. 20, 2018	Sep. 30, 2017	Oct. 15, 2014
Assets:
Cash and due from banks	$ 13,008	$ 14,191
Other assets	15,494	7,690			$ 4,200
Total Assets	1,222,579	1,034,406		$ 891,133
Liabilities and Equity:
Subordinated note			$ 20,000
Accrued interest payable	935	743
Stockholders' equity	121,053	98,813
Total Liabilities and Equity	1,222,579	1,034,406
Reportable Legal Entities [Member] | Parent Company [Member]
Assets:
Cash and due from banks	6,474	10,170
Other assets	816	928
Investment in subsidiaries	133,760	108,007
Total Assets	141,050	119,105
Liabilities and Equity:
Subordinated note	19,729	19,661
Accrued interest payable	0	33
Accrued expenses	268	598
Stockholders' equity	121,053	98,813
Total Liabilities and Equity	$ 141,050	$ 119,105

PARENT COMPANY CONDENSED FINA_4

PARENT COMPANY CONDENSED FINANCIAL INFORMATION (Statements of Income) (Detail) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended												12 Months Ended
	Dec. 31, 2017	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Dividend income from subsidiaries														$ 643	$ 465	$ 313
Income (loss) before income taxes and equity in undistributed net income of subsidiaries		$ 7,023	$ 5,711	$ 3,730	$ 3,626	$ 3,710	$ 4,373	$ 2,560	$ 4,115	$ 3,179	$ 3,029	$ 2,607	$ 3,018	20,090	14,758	11,833
Income tax benefit	$ 619	1,359	748	466	522	766	696	338	622	840	586	413	681	3,095	2,422	2,520
Income (loss) before equity in undistributed net income of subsidiaries		5,321	4,392	3,533	2,931									16,995	12,336	9,313
Equity in undistributed net income of subsidiaries		(343)	(571)	269	(173)									(818)	(1,434)	0
Net income		$ 5,664	$ 4,963	$ 3,264	$ 3,104	$ 2,944	$ 3,677	$ 2,222	$ 3,493	$ 2,339	$ 2,443	$ 2,194	$ 2,337	16,177	10,902	9,313
Parent Company [Member]
Dividend income from subsidiaries														750	9,875	1,850
Interest expense														(1,277)	(33)	0
Other operating expenses														(882)	(921)	(778)
Income (loss) before income taxes and equity in undistributed net income of subsidiaries														(1,409)	8,921	1,072
Income tax benefit														747	408	239
Income (loss) before equity in undistributed net income of subsidiaries														(662)	9,329	1,311
Equity in undistributed net income of subsidiaries														16,839	1,573	8,002
Net income														16,177	10,902	9,313
Reportable Legal Entities [Member] | Parent Company [Member]
Equity in undistributed net income of subsidiaries														16,839	1,573	8,002
Net income														$ 16,177	$ 10,902	$ 9,313

PARENT COMPANY CONDENSED FINA_5

PARENT COMPANY CONDENSED FINANCIAL INFORMATION (Statements of Cash Flows) (Detail) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Operating Activities:
Net income	$ 5,664	$ 4,963	$ 3,264	$ 3,104	$ 2,944	$ 3,677	$ 2,222	$ 3,493	$ 2,339	$ 2,443	$ 2,194	$ 2,337	$ 16,177	$ 10,902	$ 9,313
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries	343	$ 571	$ (269)	173									818	1,434	0
Stock compensation expense													246	217	176
Net change in other assets and liabilities													(628)	(3,085)	(1,181)
Net cash provided by (used in) operating activities													(44,725)	17,965	(2,229)
Investing Activities:
Investment in interest-bearing time deposits													(1,085)	(980)	(455)
Net cash used in investing activities													(112,127)	(50,492)	(78,235)
Financing Activities:
Net proceeds from subordinated note													0	19,661	0
Exercise of stock options													408	362	62
Tax paid on stock award shares for employees													32	46	0
Net cash provided by (used) in financing activities													156,010	40,542	85,381
Net increase (decrease) in cash and due from banks													(842)	8,015	4,917
Cash and cash equivalents at beginning of year				42,274				34,259				29,342	42,274	34,259	29,342
Cash and Cash Equivalents at End of Year	41,432				42,274				34,259				41,432	42,274	34,259
Parent Company [Member]
Operating Activities:
Net income													16,177	10,902	9,313
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries													(16,839)	(1,573)	(8,002)
Reportable Legal Entities [Member] | Parent Company [Member]
Operating Activities:
Net income													16,177	10,902	9,313
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries													(16,839)	(1,573)	(8,002)
Stock compensation expense													246	217	176
Net change in other assets and liabilities													(184)	(162)	131
Net cash provided by (used in) operating activities													(600)	9,384	1,618
Investing Activities:
Acquisition of Dearmin													0	(9,148)	0
Investment in bank subsidiary													(2,000)	(10,000)	0
Investment in interest-bearing time deposits													0	0	(10)
Proceeds from maturities of interest-bearing time deposits													0	10	0
Net cash used in investing activities													(2,000)	(19,138)	(10)
Financing Activities:
Net proceeds from subordinated note													0	19,661	0
Exercise of stock options													408	362	62
Tax paid on stock award shares for employees													(32)	(46)	0
Dividends paid													(1,472)	(1,343)	(1,229)
Net cash provided by (used) in financing activities													(1,096)	18,634	(1,167)
Net increase (decrease) in cash and due from banks													(3,696)	8,880	441
Cash and cash equivalents at beginning of year				$ 10,170				$ 1,290				$ 849	10,170	1,290	849
Cash and Cash Equivalents at End of Year	$ 6,474				$ 10,170				$ 1,290				$ 6,474	$ 10,170	$ 1,290

CONCENTRATION OF CREDIT RISK (A

CONCENTRATION OF CREDIT RISK (Additional Information) (Detail) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
CONCENTRATION OF CREDIT RISK
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 8.8	$ 9.6

SUPPLEMENTAL DISCLOSURE FOR E_5

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE - Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Cash payments for:
Interest	$ 10,729	$ 5,873	$ 4,400
Income taxes (net of refunds received)	1,572	1,759	(598)
Non-cash activities:
Transfers from loans held for sale to loans	0	0	(854)
Transfers from loans to other real estate owned	114	133	703
Proceeds from sales of other real estate owned financed through loans	112	453	189
Cashless exercise of stock options	542	387	294
Transfers from premises and equipment to other real estate owned	$ 1,893	$ 0	$ 0

SELECTED QUARTERLY FINANCIAL _3

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended												12 Months Ended
	Dec. 31, 2017	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Supplemental Cash Flow Elements
Interest income		$ 13,829	$ 13,058	$ 12,307	$ 11,801	$ 11,381	$ 11,206	$ 10,146	$ 9,426	$ 9,023	$ 8,664	$ 8,219	$ 8,011	$ 50,995	$ 42,159	$ 33,917
Interest expense		3,069	3,166	2,446	2,225	1,842	1,699	1,423	1,373	1,271	1,132	1,032	1,022	10,906	6,337	4,457
Net interest income		10,760	9,892	9,861	9,576	9,539	9,507	8,723	8,053	7,752	7,532	7,187	6,989	40,089	35,822	29,460
Provision for loan losses		471	337	340	315	254	266	371	462	299	321	375	306	1,463	1,353	1,301
Net interest income after provision for loan losses		10,289	9,555	9,521	9,261	9,285	9,241	8,352	7,591	7,453	7,211	6,812	6,683	38,626	34,469	28,159
Noninterest income		18,340	12,644	7,089	5,781	4,568	3,254	2,567	2,906	2,766	2,123	1,861	1,875	43,854	13,295	8,625
Noninterest expenses		21,606	16,488	12,880	11,416	10,143	8,122	8,359	6,382	7,040	6,305	6,066	5,540	62,390	33,006	24,951
Income before income taxes		7,023	5,711	3,730	3,626	3,710	4,373	2,560	4,115	3,179	3,029	2,607	3,018	20,090	14,758	11,833
Income tax expense	$ 619	1,359	748	466	522	766	696	338	622	840	586	413	681	3,095	2,422	2,520
Net income		5,664	4,963	3,264	3,104	2,944	3,677	2,222	3,493	2,339	2,443	2,194	2,337	16,177	10,902	9,313
Net income (loss) attributable to noncontrolling interest in subsidiary						200	571	576	87	0	0	0	0
Net income attributable to First Savings Financial Group, Inc.						$ 2,744	$ 3,106	$ 1,646	$ 3,406	$ 2,339	$ 2,443	$ 2,194	$ 2,337	16,177	10,902	9,313
Net income attributable to noncontrolling interest in subsidiary		343	571	(269)	173									818	1,434	0
Net income attributable to First Savings Financial Group, Inc.		$ 5,321	$ 4,392	$ 3,533	$ 2,931									$ 16,995	$ 12,336	$ 9,313
Net income per common share, basic		$ 2.28	$ 1.88	$ 1.53	$ 1.28	$ 1.20	$ 1.37	$ 0.73	$ 1.53	$ 1.05	$ 1.10	$ 0.99	$ 1.06	$ 6.99	$ 4.83	$ 4.20
Net income per common share, diluted		$ 2.24	$ 1.85	$ 1.50	$ 1.24	$ 1.15	$ 1.31	$ 0.69	$ 1.44	$ 0.99	$ 1.04	$ 0.94	$ 1	$ 6.82	$ 4.60	$ 3.97

SEGMENT REPORTING (Financial St

SEGMENT REPORTING (Financial Statements Information) (Detail) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended												12 Months Ended
	Dec. 31, 2017	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Net interest income		$ 10,760	$ 9,892	$ 9,861	$ 9,576	$ 9,539	$ 9,507	$ 8,723	$ 8,053	$ 7,752	$ 7,532	$ 7,187	$ 6,989	$ 40,089	$ 35,822	$ 29,460
Net gains on sales of loans, SBA														4,569	5,493	4,204
Mortgage banking income														33,007	2,318	530
Noncash items:
Provision for loan losses		471	337	340	315	254	266	371	462	299	321	375	306	1,463	1,353	1,301
Depreciation and amortization														1,684	1,373	1,164
Income tax expense (benefit)	$ 619	1,359	748	466	522	766	$ 696	$ 338	$ 622	840	$ 586	$ 413	$ 681	3,095	2,422	2,520
Segment profit (loss)		5,321	$ 4,392	$ 3,533	$ 2,931									16,995	12,336	9,313
Segment assets		1,222,579				1,034,406				891,133				1,222,579	1,034,406	891,133
Core Banking Segment [Member]
Net interest income														36,524	32,812	27,637
Net gains on sales of loans, SBA														0	0	0
Mortgage banking income														33
Noncash items:
Provision for loan losses														(242)	(69)	868
Depreciation and amortization														1,467	1,323	1,120
Income tax expense (benefit)														2,143	2,825	2,754
Segment profit (loss)														11,423	9,050	7,109
Segment assets		1,124,526				1,025,135				885,669				1,124,526	1,025,135	885,669
SBA Lending Segment [Member]
Net interest income														4,145	3,012	1,802
Net gains on sales of loans, SBA														4,569	5,493	4,204
Mortgage banking income														0
Noncash items:
Provision for loan losses														1,705	1,422	433
Depreciation and amortization														49	50	44
Income tax expense (benefit)														213	0	0
Segment profit (loss)														1,458	2,968	1,924
Segment assets		84,661				66,970				51,821				84,661	66,970	51,821
Mortgage Banking [Member]
Net interest income														636
Net gains on sales of loans, SBA														0
Mortgage banking income														32,974
Noncash items:
Provision for loan losses														0
Depreciation and amortization														100
Income tax expense (benefit)														1,475
Segment profit (loss)														4,422
Segment assets		88,645												88,645
Other Segment [Member]
Net interest income														(1,216)	(2)	21
Net gains on sales of loans, SBA														0	0	0
Mortgage banking income														0
Noncash items:
Provision for loan losses														0	0	0
Depreciation and amortization														68	0	0
Income tax expense (benefit)														(736)	(403)	(234)
Segment profit (loss)														(308)	318	280
Segment assets		$ (75,253)				$ (57,699)				$ (46,357)				$ (75,253)	$ (57,699)	$ (46,357)

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Sources Of Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Revenue from contracts with customers													$ 4,367	$ 4,000	$ 3,222
Gain (loss) on securities													(74)	99	30
Net gains on sales of loans, SBA													4,569	5,493	4,204
Mortgage banking income													33,007	2,318	530
Increase in cash value of life insurance													580	430	433
Real estate lease income													594	5	0
Other													811	950	206
Other noninterest income													39,487	9,295	5,403
Total noninterest income	$ 18,340	$ 12,644	$ 7,089	$ 5,781	$ 4,568	$ 3,254	$ 2,567	$ 2,906	$ 2,766	$ 2,123	$ 1,861	$ 1,875	43,854	13,295	8,625
Service Charges On Deposit Accounts
Revenue from contracts with customers													1,957	1,731	1,355
ATM and Interchange Fees
Revenue from contracts with customers													1,949	1,580	1,348
Investment advisory income
Revenue from contracts with customers													324	550	379
Other
Revenue from contracts with customers													$ 137	$ 139	$ 140