First Savings Financial (FSFG) 10-K 17 Dec 20 2020 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2020	Dec. 07, 2020	Mar. 31, 2020
Document And Entity Information
Document Type	10-K
Document Period End Date	Sep. 30, 2020
Document Annual Report	true
Document Transition Report	false
Entity Registrant Name	FIRST SAVINGS FINANCIAL GROUP, INC.
Entity Current Reporting Status	Yes
Entity Filer Category	Non-accelerated Filer
Entity File Number	1-34155
Entity Incorporation, State or Country Code	IN
Entity Tax Identification Number	37-1567871
Entity Address, Address Line One	702 North Shore Drive, Suite 300,
Entity Address, City or Town	Jeffersonville
Entity Address, State or Province	IN
Entity Address, Postal Zip Code	47130
City Area Code	812
Local Phone Number	283-0724
Security Exchange Name	NASDAQ
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	FSFG
Entity Voluntary Filers	No
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Interactive Data Current	Yes
Entity Shell Company	false
ICFR Auditor Attestation Flag	false
Entity Well-known Seasoned Issuer	No
Entity Public Float			$ 73.3
Entity Common Stock, Shares Outstanding		2,374,472
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Entity Central Index Key	0001435508
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
ASSETS
Cash and due from banks	$ 12,807	$ 13,008
Interest-bearing deposits with banks	20,919	28,424
Total cash and cash equivalents	33,726	41,432
Interest-bearing time deposits	2,964	2,265
Securities available for sale, at fair value	201,965	177,302
Securities held to maturity	2,102	2,336
Loans held for sale, residential mortgage ($208,493 at fair value in 2020; $80,457 at fair value in 2019)	263,406	80,457
Loans held for sale, Small Business Administration	22,119	15,613
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	1,090,063	810,658
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	17,293	13,040
Premises and equipment	24,412	19,238
Other real estate owned, held for sale	1,728	1,893
Accrued interest receivable:
Loans	4,585	3,329
Securities	1,877	1,712
Cash surrender value of life insurance	31,758	26,546
Goodwill	9,848	9,848
Core deposit intangibles	1,202	1,416
Residential mortgage loan servicing rights, at fair value	21,703	934
SBA loan servicing rights	3,748	3,030
Other assets	30,126	11,530
Total Assets	1,764,625	1,222,579
Deposits:
Noninterest-bearing	242,673	173,072
Interest-bearing	805,403	661,312
Total deposits	1,048,076	834,384
Federal funds purchased	0	4,000
Federal Home Loan Bank borrowings	310,858	222,544
Federal Reserve PPPLF borrowings	174,834	0
Other borrowings	19,797	19,729
Accrued interest payable	683	935
Advance payments by borrowers for taxes and insurance	2,615	1,906
Accrued expenses and other liabilities	50,197	17,824
Total Liabilities	1,607,060	1,101,322
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 2,567,842 shares (2,565,606 at September 30, 2019); outstanding 2,375,324 shares (2,350,229 shares at September 30, 2019)	26	26
Additional paid-in capital	27,480	27,494
Retained earnings - substantially restricted	123,158	91,228
Accumulated other comprehensive income	11,209	7,296
Unearned stock compensation	(348)	(446)
Less treasury stock, at cost - 192,518 shares (215,377 shares at September 30, 2019)	(4,253)	(4,545)
Total First Savings Financial Group, Inc. Stockholders' Equity	157,272	121,053
Noncontrolling interests in subsidiary	293	204
Total Equity	157,565	121,257
Total Liabilities and Equity	$ 1,764,625	$ 1,222,579

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
CONSOLIDATED BALANCE SHEETS
Loans Held-for-sale, Fair Value Disclosure	$ 208,493	$ 80,457
Loans, net of allowance for loan losses	$ 17,026	$ 10,040
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	2,567,842	2,565,606
Common Stock, Outstanding	2,375,324	2,350,229
Treasury stock, shares	192,518	215,377

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
INTEREST INCOME
Loans, including fees	$ 52,397,000	$ 42,697,000	$ 34,057,000
Securities:
Taxable	2,075,000	2,769,000	3,650,000
Tax-exempt	4,423,000	4,030,000	3,551,000
Dividend income	617,000	643,000	465,000
Interest-bearing deposits with banks	417,000	856,000	436,000
Total interest income	59,929,000	50,995,000	42,159,000
INTEREST EXPENSE
Deposits	5,659,000	6,944,000	4,279,000
Federal funds purchased	3,000	1,000	0
Federal Home Loan Bank borrowings	3,345,000	3,000	3,000
Federal Reserve PPPLF borrowings	220,000	2,681,000	2,022,000
Other borrowings	1,311,000	1,277,000	33,000
Total interest expense	10,538,000	10,906,000	6,337,000
Net interest income (loss)	49,391,000	40,089,000	35,822,000
Provision for loan losses	7,962,000	1,463,000	1,353,000
Net interest income after provision for loan losses	41,429,000	38,626,000	34,469,000
NONINTEREST INCOME
Service charges on deposit accounts	1,581,000	1,957,000	1,731,000
ATM and interchange fees	2,116,000	1,949,000	1,580,000
Net gain (loss) on sales of available for sale securities and time deposits	7,000	(74,000)	99,000
Net unrealized gain (loss) on equity securities	(19,000)	5,000	0
Other than temporary impairment loss on securities	0	0	(95,000)
Net gain on trading account securities	0	0	43,000
Net gain on sales of loans, Small Business Administration	5,673,000	4,569,000	5,493,000
Mortgage banking income	117,852,000	33,007,000	2,318,000
Increase in cash surrender value of life insurance	732,000	580,000	430,000
Commission income	288,000	324,000	550,000
Real estate lease income	589,000	594,000	5,000
Net gain (loss) on premises and equipment	(8,000)	(83,000)	25,000
Income from tax credit investments	426,000	210,000	585,000
Other income	1,884,000	816,000	531,000
Total noninterest income	131,121,000	43,854,000	13,295,000
NONINTEREST EXPENSE
Compensation and benefits	92,904,000	42,899,000	19,730,000
Occupancy and equipment	8,958,000	6,094,000	3,629,000
Data processing	2,153,000	1,823,000	2,425,000
Advertising	7,346,000	2,752,000	808,000
Professional fees	3,606,000	2,342,000	1,786,000
FDIC insurance premiums	405,000	312,000	580,000
Net gain on other real estate owned	(1,000)	(57,000)	(160,000)
Other operating expenses	10,437,000	6,225,000	4,208,000
Total noninterest expense	125,808,000	62,390,000	33,006,000
Income before income taxes	46,742,000	20,090,000	14,758,000
Income tax expense	12,661,000	3,095,000	2,422,000
Net Income	34,081,000	16,995,000	12,336,000
Less: net income attributable to noncontrolling interests	727,000	818,000	1,434,000
Net Income Attributable to First Savings Financial Group, Inc.	$ 33,354,000	$ 16,177,000	$ 10,902,000
Net income per share:
Basic	$ 14.15	$ 6.99	$ 4.83
Diluted	$ 14.04	$ 6.82	$ 4.60
Weighted average shares outstanding:
Basic	2,356,680	2,315,697	2,258,020
Diluted	2,375,954	2,372,084	2,372,554
Dividends per share	$ 0.67	$ 0.63	$ 0.59

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Net Income	$ 34,081	$ 16,995	$ 12,336
Unrealized gains (losses) on securities available for sale:
Unrealized holding gains (losses) arising during the period	4,886	8,783	(5,649)
Income tax (expense) benefit	(968)	(1,912)	1,257
Net of tax amount	3,918	6,871	(4,392)
Less: reclassification adjustment for realized (gains) losses included in net income	7	(55)	99
Income tax expense (benefit)	2	(12)	26
Net of tax amount	5	(43)	73
Less: reclassification adjustment for other-than-temporary impairment loss on securities included in net income	0	0	95
Income tax benefit	0	0	(25)
Net of tax amount	0	0	70
Other Comprehensive Income (Loss)	3,913	6,914	(4,395)
Comprehensive Income	37,994	23,909	7,941
Less: comprehensive income attributable to noncontrolling interests	727	818	1,434
Comprehensive Income Attributable to First Savings Financial Group, Inc.	$ 37,267	$ 23,091	$ 6,507

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common StockRevisionAdjustment	Common Stock	Additional Paid-in CapitalRevisionAdjustment	Additional Paid-in Capital	Retained EarningsRevisionAdjustment	Retained Earnings	Accumulated Other Comprehensive IncomeRevisionAdjustment	Accumulated Other Comprehensive Income	Unearned Stock CompensationRevisionAdjustment	Unearned Stock Compensation	Treasury StockRevisionAdjustment	Treasury Stock	Noncontrolling Interests in SubsidiaryRevisionAdjustment	Noncontrolling Interests in Subsidiary	RevisionAdjustment	Adjustment	Total
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, net of forfeitures		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, net of forfeitures		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
Cumulative effect adjustment, adoption of ASU 2016-02																$ 4,600	91,228
Net Income		0		0		33,354		0		0		0		727			34,081
Other comprehensive income (loss)		0		0		0		3,913		0		0		0			3,913
Common stock dividends		0		0		(1,590)		0		0		0		0			(1,590)
Distributions to noncontrolling interests		0		0		0		0		0		0		(638)			(638)
Restricted stock grants, net of forfeitures		0		95		0		0		(95)		0		0			0
Stock compensation expense		0		86		0		0		193		0		0			279
Stock option exercises		0		(195)		0		0		0		594		0			399
Purchase of treasury shares		0		0		0		0		0		(302)		0			(302)
Balances at Sep. 30, 2020		$ 26		$ 27,480		$ 123,158		$ 11,209		$ (348)		$ (4,253)		$ 293			157,565
Cumulative effect adjustment, adoption of ASU 2016-02	$ 0		$ 0		$ 166		$ 0		$ 0		$ 0		$ 0		$ 166	$ 4,600	$ 123,158

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Dividends per common share	$ 0.67	$ 0.63	$ 0.59
Restricted stock grants - shares	1,436	2,299	1,000
Stock option exercises, shares	28,361	66,877	55,296
Purchase of treasury shares, shares	4,702	10,968	6,729

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 34,081	$ 16,995	$ 12,336
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for loan losses	7,962	1,463	1,353
Depreciation and amortization	1,858	1,684	1,373
Amortization of premiums and accretion of discounts on securities, net	596	477	235
Decrease in trading account securities	0	0	7,175
Amortization and accretion of fair value adjustments on loans, net	(935)	(664)	(517)
Loans originated for sale	(3,679,783)	(939,608)	(115,065)
Proceeds on sales of loans	3,597,497	904,692	115,980
Net realized and unrealized gain on loans held for sale	(88,738)	(27,485)	(5,515)
Capitalization of loan servicing rights	(25,508)	(2,274)	(1,565)
Net change in value of loan servicing rights	4,021	715	549
Net realized and unrealized gain on other real estate owned	(16)	(78)	(215)
Net (gain) loss on sales of available for sale securities and time deposits	(7)	74	(99)
Other than temporary impairment loss on securities	0	0	95
Increase in cash surrender value of life insurance	(732)	(580)	(430)
Net (gain) loss on equity securities	19	(5)	0
Net (gain) loss on sale of premises and equipment	8	(31)	(25)
Income from tax credit investments	(426)	(210)	(585)
Deferred income taxes	4,494	507	235
Stock compensation expense	279	246	217
Increase in accrued interest receivable	(1,421)	(754)	(562)
Increase (decrease) in accrued interest payable	(252)	192	459
Change in other assets and liabilities, net	7,314	(81)	2,536
Net Cash Provided By (Used In) Operating Activities	(139,689)	(44,725)	17,965
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits	(1,145)	(1,085)	(980)
Proceeds from sales and maturities of interest-bearing time deposits	445	838	4,734
Purchase of securities available for sale	(37,809)	(24,448)	(50,020)
Proceeds from sales of securities available for sale	3,180	13,948	58,116
Proceeds from maturities of securities available for sale	8,235	7,710	2,625
Proceeds from maturities of securities held to maturity	248	240	227
Principal collected on securities	6,005	18,180	16,875
Net increase in loans	(304,202)	(108,847)	(85,798)
Purchase of Federal Reserve Bank stock	0	(634)	0
Proceeds from redemption of Federal Reserve Bank stock	0	0	21
Purchase of Federal Home Loan Bank stock	(4,253)	(2,785)	(2,562)
Investment in cash surrender value of life insurance	(4,481)	(6,000)	0
Proceeds from life insurance	0	0	540
Proceeds from sale of other real estate owned	182	178	606
Purchase of premises and equipment	(7,308)	(9,496)	(1,594)
Proceeds from sales of premises and equipment	550	74	51
Distributions received from tax credit investments	920	0	0
Net cash received in the acquisition of Dearmin Bancorp and FNBO	0	0	6,667
Net Cash Used In Investing Activities	(339,433)	(112,127)	(50,492)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	213,692	23,272	49,965
Net increase (decrease) in federal funds purchased	(4,000)	4,000	0
Net increase (decrease) in repurchase agreements	0	(1,352)	4
Increase (decrease) in Federal Home Loan Bank line of credit	8,314	12,544	(18,065)
Proceeds from Federal Home Loan Bank advances	350,000	310,000	224,500
Repayment of Federal Home Loan Bank advances	(270,000)	(190,000)	(234,500)
Net increase in Federal Reserve PPPLF borrowings	174,834	0	0
Net proceeds from subordinated note	0	0	19,661
Net increase in advance payments by borrowers for taxes and insurance	709	688	6
Proceeds from exercise of stock options	148	408	362
Taxes paid on stock award shares for employees	(53)	(32)	(46)
Dividends paid on common stock	(1,590)	(1,472)	(1,343)
Distributions to noncontrolling interests	(638)	(2,046)	(2)
Net Cash Provided By Financing Activities	471,416	156,010	40,542
Net Increase (Decrease) in Cash and Cash Equivalents	(7,706)	(842)	8,015
Cash and cash equivalents at beginning of year	41,432	42,274	34,259
Cash and Cash Equivalents at End of Year	$ 33,726	$ 41,432	$ 42,274

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Sep. 30, 2020
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	(1) 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. 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 and has the option to purchase the minority interest. 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 10 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. (1 – continued) A substantial portion of the Company’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 Company’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 Available for Sale 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 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. (1 – continued) 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 Investments in non-marketable equity securities such as FRB stock and FHLB stock are carried at cost and are classified as restricted securities. The Bank is a member of the FHLB system and is required to own FHLB stock, the amount of which depends on the level of borrowings and other factors. 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 substantially all 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 Company 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 Company 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, 2020 and 2019. At September 30, 2020 and 2019, SBA loans held for sale totaling $22.1 million and $15.6 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 (1 – continued) 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. ​ (1 – continued) 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 with the exception of the SBA loan portfolio which uses a 36-month lookback period. (1 – continued) 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. During the year ended September 30, 2020, the Company also added a qualitative factor adjustment for economic uncertainties related to the novel coronavirus ("COVID-19"). At September 30, 2020, there is still considerable uncertainty about how severely the COVID-19 pandemic has impacted the loan portfolio. As a result, management has increased the allowance qualitative factor adjustments for each portfolio segment while considering the potential length of the pandemic, continued elevated unemployment rates, the impact of further state and local restrictions, the impact of government stimulus activities and the timeline for economic recovery. At September 30, 2020, the Company's allowance for loan losses totaled $17.0 million, of which $14.8 million related to qualitative factor adjustments including $4.6 million related to the COVID-19 qualitative factor adjustment. At September 30, 2019, the Company's allowance for loan losses totaled $10.0 million, of which $9.0 million related to qualitative factor adjustments. 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 (including single tenant net lease and loans originated through SBA programs), multi-family residential real estate, construction, land and land development, commercial business (including loans originated through SBA programs) 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 include the single tenant net lease loans and loans originated through SBA programs in addition to the Company’s core commercial loans, and 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. (1 – continued) Loans and Allowance for Loan Losses - continued 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 loans originated through SBA programs and 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. In addition, in an effort to support our communities during the pandemic, the Company is participating in the Paycheck Protection Program (“PPP”) under the Coronavirus Aid, Relief and Economic Security (“CARES”) Act, which was signed into law on March 27, 2020. The majority of the Company’s SBA clients applied for participation in the SBA’s PPP loan program. All PPP loans are 100% guaranteed by the SBA. 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 changes discussed above related to the COVID-19 qualitative factor, 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, 2020, 2019, and 2018. 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. (1 – continued) 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, estimated 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. (1 – continued) 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 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 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. (1 – continued) Benefit Plans The Company 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 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 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 a

ACQUISITION OF DEARMIN BANCORP

ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON	12 Months Ended
	Sep. 30, 2020
ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON
ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON	(2) 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. 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 were expensed as incurred during the year ended September 30, 2018. No transaction and integration costs were recognized for the years ended September 30, 2020 and 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

RESTRICTION ON CASH AND DUE FRO

RESTRICTION ON CASH AND DUE FROM BANKS	12 Months Ended
	Sep. 30, 2020
RESTRICTION ON CASH AND DUE FROM BANKS
RESTRICTION ON CASH AND DUE FROM BANKS	(3) The Company 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 $10.6 million, $20.3 million, and $17.4 million for the years ended September 30, 2020, 2019, and 2018, respectively.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Sep. 30, 2020
INVESTMENT SECURITIES
INVESTMENT SECURITIES	(4) 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. There were no trading gains or losses for the years ended September 30, 2020 and 2019. The following is a summary of the reported net gains on trading account securities for the year ended September 30, 2018: ​ ​ ​ ​ (In thousands) 2018 Net realized gain on sales ​ $ 43 Net unrealized loss on securities held as of the balance sheet date ​ — Net gain on trading account securities ​ $ 43 ​ 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, 2020: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ Agency mortgage-backed ​ $ 7,499 ​ $ 453 ​ $ — ​ $ 7,952 Agency CMO ​ 9,398 ​ 407 ​ — ​ 9,805 Privately-issued CMO ​ 886 ​ 80 ​ 8 ​ 958 Privately-issued ABS ​ 884 ​ 81 ​ 5 ​ 960 SBA certificates ​ 639 ​ 58 ​ 3 ​ 694 Municipal bonds ​ 168,472 ​ 13,180 ​ 56 ​ 181,596 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 187,778 ​ $ 14,259 ​ $ 72 ​ $ 201,965 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held to maturity: ​ ​ ​ ​ Agency mortgage-backed ​ $ 82 ​ $ 7 ​ $ — ​ $ 89 Municipal bonds ​ 2,020 ​ 276 ​ — ​ 2,296 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 2,102 ​ $ 283 ​ $ — ​ $ 2,385 ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ The amortized cost and fair value of available for sale and held to maturity debt securities as of September 30, 2020 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 ​ ​ Cost ​ Value ​ Cost ​ Value ​ ​ (In thousands) Due within one year ​ $ 4,845 ​ $ 4,933 ​ $ 247 ​ $ 277 Due after one year through five years ​ 29,929 ​ 31,229 ​ 1,019 ​ 1,153 Due after five years through ten years ​ 27,453 ​ 29,605 ​ 683 ​ 784 Due after ten years ​ 106,245 ​ 115,829 ​ 71 ​ 82 CMO ​ 10,284 ​ 10,763 ​ — ​ — ABS ​ 884 ​ 960 ​ — ​ — SBA certificates ​ 639 ​ 694 ​ — ​ — Mortgage-backed securities ​ 7,499 ​ 7,952 ​ 82 ​ 89 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 187,778 ​ $ 201,965 ​ $ 2,102 ​ $ 2,385 ​ (4 – continued) Information pertaining to securities with gross unrealized losses at September 30, 2020 and 2019, 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 ​ ​ Positions ​ Value ​ Losses ​ ​ (Dollars in thousands) September 30, 2020: ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ Privately-issued ABS 1 ​ $ 446 ​ $ 5 Municipal bonds 2 ​ ​ 2,444 ​ ​ 56 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 3 ​ 2,890 ​ 61 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ Privately-issued CMO 1 ​ 26 ​ 8 SBA certificates 1 ​ 188 ​ 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 2 ​ 214 ​ 11 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale 5 ​ $ 3,104 ​ $ 72 ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ At September 30, 2020 and 2019, the Company did not have any securities held to maturity with an unrealized loss. (4 – continued) 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, 2020, which consisted of privately-issued ABS, privately-issued CMOs, SBA certificates, and municipal bonds, had depreciated approximately 2.27% from the Company’s amortized cost basis and are fixed and variable rate securities with a weighted-average yield of 1.42% and a weighted-average coupon rate of 1.56% at September 30, 2020. All of the municipal securities are issued by 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, 2020, the Company held 12 privately-issued CMO and ABS securities acquired in a 2009 bank acquisition with an aggregate amortized cost of $918,000 and fair value of $986,000 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, 2020, one privately-issued CMO and one privately-issued ABS were in a loss position and had depreciated approximately 2.78% from the Company’s carrying value . These securities were collateralized by residential mortgage loans, had a total fair value of $472,000 and a total unrealized loss of $13,000 at September 30, 2020, and were 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 declines in fair value for these securities are 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, 2020, 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 years ended September 30, 2020 and 2019. During the 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. (4 – continued) 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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Gross realized gains on sales ​ $ 17 ​ $ 68 ​ $ 119 Gross realized losses on sales ​ (10) ​ (142) ​ (20) Net realized gain (loss) on sales of available for sale securities and time deposits ​ $ 7 ​ $ (74) ​ $ 99 ​ Certain available for sale debt securities were pledged to secure FHLB borrowings at September 30, 2020 and 2019, and may be pledged to secure federal funds borrowings (see Notes 11, 12 and 13). At September 30, 2020 and 2019, 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, 2020
LOANS AND ALLOWANCE FOR LOAN LOSSES
LOANS AND ALLOWANCE FOR LOAN LOSSES	(5) Loans at September 30, 2020 and 2019 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ 2020 2019 ​ ​ ​ (In thousands) Real estate mortgage: ​ ​ 1-4 family residential ​ $ 191,781 ​ $ 197,472 Commercial ​ 141,522 ​ 170,763 Single tenant net lease ​ ​ 334,636 ​ ​ 223,392 SBA ​ ​ 55,508 ​ ​ 46,123 Multifamily residential ​ 42,368 ​ 38,226 Residential construction ​ 9,361 ​ 12,545 Commercial construction ​ 6,941 ​ 3,332 Land and land development ​ 9,403 ​ 10,536 Commercial business ​ 60,513 ​ 53,557 SBA commercial business (1) ​ ​ 206,807 ​ ​ 19,477 Consumer ​ ​ 50,576 ​ ​ 44,661 Total loans ​ 1,109,416 ​ 820,084 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net (2) ​ (2,327) ​ 614 Allowance for loan losses ​ (17,026) ​ (10,040) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,090,063 ​ $ 810,658 ​ (1) Includes $180.6 million of PPP loans at September 30, 2020. (2) Includes $3.2 million of net deferred loan fees related to PPP loans at September 30, 2020. At September 30, 2020 and 2019, the net unamortized premium on loans acquired from other financial institutions was $245,000 and $339,000, respectively. (5 – continued) The Company 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, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Beginning balance ​ $ 9,115 ​ $ 8,231 New loans and advances ​ 8,438 ​ 3,906 Repayments ​ (4,162) ​ (2,875) Loans sold ​ ​ (4,250) ​ ​ — Reclassifications due to officer and director changes ​ (1,425) ​ (147) ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 7,716 ​ $ 9,115 ​ Off-balance-sheet commitments (including commitments to make loans, unused lines of credit and letters of credit) to related parties at September 30, 2020 and 2019 were $2.6 million and $2.4 million, respectively. (5 – continued) The following table provides the components of the recorded investment in loans as of September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Principal Accrued Net Deferred Recorded ​ ​ Loan ​ Interest ​ Loan Origination ​ Investment Recorded Investment in Loans: ​ Balance ​ Receivable ​ Fees and Costs ​ in Loans ​ ​ (In thousands) Residential real estate ​ $ 191,781 ​ $ 644 ​ $ (156) ​ $ 192,269 Commercial real estate ​ 141,522 ​ 812 ​ (197) ​ 142,137 Single tenant net lease ​ 334,636 ​ 1,198 ​ (234) ​ 335,600 SBA commercial real estate ​ ​ 55,508 ​ ​ 387 ​ ​ 1,082 ​ ​ 56,977 Multifamily ​ 42,368 ​ 139 ​ (37) ​ 42,470 Residential construction ​ ​ 9,361 ​ ​ 25 ​ ​ (28) ​ ​ 9,358 Commercial construction ​ ​ 6,941 ​ ​ 24 ​ ​ (26) ​ ​ 6,939 Land and land development ​ ​ 9,403 ​ ​ 20 ​ ​ (11) ​ ​ 9,412 Commercial business ​ ​ 60,513 ​ ​ 186 ​ ​ 43 ​ ​ 60,742 SBA commercial business ​ 206,807 ​ 975 ​ (2,740) ​ 205,042 Consumer ​ ​ 50,576 ​ ​ 175 ​ ​ (23) ​ ​ 50,728 ​ ​ $ 1,109,416 ​ $ 4,585 ​ $ (2,327) ​ $ 1,111,674 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ Recorded ​ ​ Evaluated for ​ Evaluated for ​ Investment in ​ ​ Impairment Impairment Loans ​ ​ (In thousands) Recorded Investment in Loans as Evaluated for Impairment: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 5,359 ​ $ 186,910 ​ $ 192,269 Commercial real estate ​ ​ 1,134 ​ ​ 141,003 ​ ​ 142,137 Single tenant net lease ​ ​ — ​ ​ 335,600 ​ ​ 335,600 SBA commercial real estate ​ ​ 6,927 ​ ​ 50,050 ​ ​ 56,977 Multifamily ​ ​ 698 ​ ​ 41,772 ​ ​ 42,470 Residential construction ​ ​ — ​ ​ 9,358 ​ ​ 9,358 Commercial construction ​ ​ — ​ ​ 6,939 ​ ​ 6,939 Land and land development ​ ​ 2 ​ ​ 9,410 ​ ​ 9,412 Commercial business ​ ​ 1,670 ​ ​ 59,072 ​ ​ 60,742 SBA commercial business ​ ​ 695 ​ ​ 204,347 ​ ​ 205,042 Consumer ​ ​ 199 ​ ​ 50,529 ​ ​ 50,728 ​ ​ $ 16,684 ​ $ 1,094,990 ​ $ 1,111,674 ​ (5 – continued) The following table provides the components of the recorded investment in loans as of September 30, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Principal ​ Accrued ​ Net Deferred ​ Recorded ​ Loan Interest Loan Origination Investment Recorded Investment in Loans: ​ Balance ​ Receivable ​ Fees and Costs ​ in Loans ​ ​ (In thousands) ​ ​ ​ Residential real estate ​ $ 197,472 ​ $ 609 ​ $ (109) ​ $ 197,972 Commercial real estate ​ ​ 170,763 ​ ​ 612 ​ ​ (231) ​ ​ 171,144 Single tenant net lease ​ 223,392 ​ 752 ​ (138) ​ 224,006 SBA commercial real estate ​ ​ 46,123 ​ ​ 655 ​ ​ 865 ​ ​ 47,643 Multifamily ​ 38,226 ​ 99 ​ (33) ​ 38,292 Residential construction ​ ​ 12,545 ​ ​ 2 ​ ​ (33) ​ ​ 12,514 Commercial construction ​ ​ 3,332 ​ ​ 36 ​ ​ (41) ​ ​ 3,327 Land and land development ​ ​ 10,536 ​ ​ 29 ​ ​ (1) ​ ​ 10,564 Commercial business ​ 53,557 ​ 206 ​ 39 ​ 53,802 SBA commercial business ​ ​ 19,477 ​ ​ 242 ​ ​ 327 ​ ​ 20,046 Consumer ​ ​ 44,661 ​ ​ 87 ​ ​ (31) ​ ​ 44,717 ​ ​ $ 820,084 ​ $ 3,329 ​ $ 614 ​ $ 824,027 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ Recorded ​ ​ Evaluated for ​ Evaluated for ​ Investment in ​ ​ Impairment Impairment Loans ​ ​ (In thousands) Recorded Investment in Loans as Evaluated for Impairment: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 4,448 ​ $ 193,524 ​ $ 197,972 Commercial real estate ​ ​ 5,282 ​ ​ 165,862 ​ ​ 171,144 Single tenant net lease ​ ​ — ​ ​ 224,006 ​ ​ 224,006 SBA commercial real estate ​ ​ 2,365 ​ ​ 45,278 ​ ​ 47,643 Multifamily ​ ​ — ​ ​ 38,292 ​ ​ 38,292 Residential construction ​ ​ — ​ ​ 12,514 ​ ​ 12,514 Commercial construction ​ ​ — ​ ​ 3,327 ​ ​ 3,327 Land and land development ​ ​ — ​ ​ 10,564 ​ ​ 10,564 Commercial business ​ ​ 105 ​ ​ 53,697 ​ ​ 53,802 SBA commercial business ​ ​ — ​ ​ 20,046 ​ ​ 20,046 Consumer ​ ​ 234 ​ ​ 44,483 ​ ​ 44,717 ​ ​ $ 12,434 ​ $ 811,593 ​ $ 824,027 ​ (5 – continued) The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance 2020: ​ (In thousands) Residential real estate $ 30 $ 1,225 $ 1,255 Commercial real estate ​ ​ — ​ ​ 3,058 ​ ​ 3,058 Single tenant net lease ​ ​ — ​ ​ 3,017 ​ ​ 3,017 SBA commercial real estate ​ 1,366 ​ 2,788 ​ 4,154 Multifamily ​ ​ — ​ ​ 772 ​ ​ 772 Residential construction ​ ​ — ​ ​ 243 ​ ​ 243 Commercial construction ​ ​ — ​ ​ 181 ​ ​ 181 Land and land development ​ ​ — ​ ​ 243 ​ ​ 243 Commercial business ​ ​ — ​ ​ 1,449 ​ ​ 1,449 SBA commercial business ​ ​ 47 ​ ​ 1,492 ​ ​ 1,539 Consumer ​ ​ — ​ ​ 1,115 ​ ​ 1,115 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,443 ​ $ 15,583 ​ $ 17,026 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2019: ​ ​ ​ Residential real estate ​ $ 10 ​ $ 307 ​ $ 317 Commercial real estate ​ ​ — ​ ​ 2,540 ​ ​ 2,540 Single tenant net lease ​ — ​ 1,675 ​ 1,675 SBA commercial real estate ​ ​ 512 ​ ​ 1,781 ​ ​ 2,293 Multifamily ​ ​ — ​ ​ 478 ​ ​ 478 Residential construction ​ ​ — ​ ​ 248 ​ ​ 248 Commercial construction ​ ​ — ​ ​ 67 ​ ​ 67 Land and land development ​ ​ — ​ ​ 209 ​ ​ 209 Commercial business ​ ​ — ​ ​ 889 ​ ​ 889 SBA commercial business ​ ​ — ​ ​ 750 ​ ​ 750 Consumer ​ ​ 23 ​ ​ 551 ​ ​ 574 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 545 ​ $ 9,495 ​ $ 10,040 ​ (5 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ ​ ​ ​ ​ Ending ​ ​ Balance ​ Provisions ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2020: ​ ​ ​ ​ ​ Residential real estate ​ $ 317 ​ $ 945 ​ $ (36) ​ $ 29 ​ $ 1,255 Commercial real estate ​ 2,540 ​ 614 ​ (102) ​ 6 ​ 3,058 Single tenant net lease ​ ​ 1,675 ​ ​ 1,342 ​ ​ — ​ ​ — ​ ​ 3,017 SBA commercial real estate ​ ​ 2,293 ​ ​ 2,175 ​ ​ (360) ​ ​ 46 ​ ​ 4,154 Multifamily ​ ​ 478 ​ ​ 294 ​ ​ — ​ ​ — ​ ​ 772 Residential construction ​ ​ 248 ​ ​ (5) ​ ​ — ​ ​ — ​ ​ 243 Commercial construction ​ ​ 67 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 181 Land and land development ​ ​ 209 ​ ​ 28 ​ ​ — ​ ​ 6 ​ ​ 243 Commercial business ​ ​ 889 ​ ​ 567 ​ ​ (38) ​ ​ 31 ​ ​ 1,449 SBA commercial business ​ 750 ​ 1,109 ​ (396) ​ 76 ​ 1,539 Consumer ​ 574 ​ 779 ​ (238) ​ — ​ 1,115 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 10,040 ​ $ 7,962 ​ $ (1,170) ​ $ 194 ​ $ 17,026 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2019: ​ ​ ​ ​ ​ Residential real estate ​ $ 278 ​ $ 30 ​ $ (21) ​ $ 30 ​ $ 317 Commercial real estate ​ 2,493 ​ 45 ​ — ​ 2 ​ 2,540 Single tenant net lease ​ ​ 2,843 ​ ​ (1,168) ​ ​ — ​ ​ — ​ ​ 1,675 SBA commercial real estate ​ ​ 1,581 ​ ​ 1,286 ​ ​ (574) ​ ​ — ​ ​ 2,293 Multifamily ​ ​ 195 ​ ​ 283 ​ ​ — ​ ​ — ​ ​ 478 Residential construction ​ ​ 388 ​ ​ (140) ​ ​ — ​ ​ — ​ ​ 248 Commercial construction ​ ​ 96 ​ ​ (29) ​ ​ — ​ ​ — ​ ​ 67 Land and land development ​ ​ 210 ​ ​ (1) ​ ​ — ​ ​ — ​ ​ 209 Commercial business ​ ​ 647 ​ ​ 237 ​ ​ (8) ​ ​ 13 ​ ​ 889 SBA commercial business ​ 394 ​ 427 ​ (71) ​ — ​ 750 Consumer ​ 198 ​ 493 ​ (174) ​ 57 ​ 574 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 9,323 ​ $ 1,463 ​ $ (848) ​ $ 102 ​ $ 10,040 ​ (5 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended September 30, 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ Provisions ​ Charge-Offs ​ Recoveries ​ Ending Balance ​ ​ (In thousands) 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 252 ​ $ 18 ​ $ (98) ​ $ 106 ​ $ 278 Commercial real estate ​ ​ 2,342 ​ ​ 151 ​ ​ — ​ ​ — ​ ​ 2,493 Single tenant net lease ​ ​ 2,696 ​ ​ 147 ​ ​ — ​ ​ — ​ ​ 2,843 SBA commercial real estate ​ ​ 826 ​ ​ 755 ​ ​ — ​ ​ — ​ ​ 1,581 Multifamily ​ ​ 106 ​ ​ 89 ​ ​ — ​ ​ — ​ ​ 195 Residential construction ​ ​ 347 ​ ​ 41 ​ ​ — ​ ​ — ​ ​ 388 Commercial construction ​ ​ 338 ​ ​ (242) ​ ​ — ​ ​ — ​ ​ 96 Land and land development ​ ​ 223 ​ ​ (13) ​ ​ — ​ ​ — ​ ​ 210 Commercial business ​ ​ 625 ​ ​ 10 ​ ​ — ​ ​ 12 ​ ​ 647 SBA commercial business ​ ​ 214 ​ ​ 180 ​ ​ — ​ ​ — ​ ​ 394 Consumer ​ ​ 123 ​ ​ 217 ​ ​ (223) ​ ​ 81 ​ ​ 198 ​ ​ $ 8,092 ​ $ 1,353 ​ $ (321) ​ $ 199 ​ $ 9,323 ​ (5 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2020. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Investment ​ Balance ​ Allowance ​ Investment ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 5,185 ​ $ 5,697 ​ $ — ​ $ 5,411 ​ $ 127 Commercial real estate ​ 1,134 ​ 1,185 ​ — ​ 3,914 ​ 167 Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 1,245 ​ ​ 1,178 ​ ​ — ​ ​ 586 ​ ​ — Multifamily ​ ​ 698 ​ ​ 700 ​ ​ — ​ ​ 421 ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ 2 ​ 1 ​ — ​ 1 ​ — Commercial business ​ 1,670 ​ 1,675 ​ — ​ 745 ​ 1 SBA commercial business ​ 322 ​ 416 ​ — ​ 250 ​ — Consumer ​ 61 ​ 63 ​ — ​ 72 ​ 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 10,317 ​ $ 10,915 ​ $ — ​ $ 11,400 ​ $ 298 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 174 ​ $ 175 ​ $ 30 ​ $ 59 ​ $ — Commercial real estate ​ — ​ — ​ — ​ 20 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 5,682 ​ ​ 6,086 ​ ​ 1,366 ​ ​ 5,048 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ 328 ​ — SBA commercial business ​ 373 ​ 399 ​ 47 ​ 143 ​ — Consumer ​ 138 ​ 138 ​ — ​ 154 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 6,367 ​ $ 6,798 ​ $ 1,443 ​ $ 5,752 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 5,359 ​ $ 5,872 ​ $ 30 ​ $ 5,470 ​ $ 127 Commercial real estate ​ 1,134 ​ 1,185 ​ — ​ 3,934 ​ 167 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 6,927 ​ ​ 7,264 ​ ​ 1,366 ​ ​ 5,634 ​ ​ — Multifamily ​ ​ 698 ​ ​ 700 ​ ​ — ​ ​ 421 ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ 2 ​ 1 ​ — ​ 1 ​ — Commercial business ​ 1,670 ​ 1,675 ​ — ​ 1,073 ​ 1 SBA commercial business ​ 695 ​ 815 ​ 47 ​ 393 ​ — Consumer ​ 199 ​ 201 ​ — ​ 226 ​ 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 16,684 ​ $ 17,713 ​ $ 1,443 ​ $ 17,152 ​ $ 298 ​ (5 – continued) 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 ​ ​ 5,282 ​ ​ 5,264 ​ ​ — ​ ​ 6,225 ​ ​ 305 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 119 ​ ​ 144 ​ ​ — ​ ​ 112 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 6 ​ — Commercial business ​ 105 ​ 106 ​ — ​ 183 ​ 7 SBA commercial business ​ — ​ — ​ — ​ 32 ​ — 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 ​ — ​ — ​ — ​ 10 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,246 ​ ​ 2,637 ​ ​ 512 ​ ​ 2,116 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ 10 ​ — SBA commercial business ​ — ​ — ​ — ​ 18 ​ — 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 ​ ​ 5,282 ​ ​ 5,264 ​ ​ — ​ ​ 6,235 ​ ​ 305 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,365 ​ ​ 2,781 ​ ​ 512 ​ ​ 2,228 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 6 ​ — Commercial business ​ 105 ​ 106 ​ — ​ 193 ​ 7 SBA commercial business ​ — ​ — ​ — ​ 50 ​ — Consumer ​ 234 ​ 236 ​ 23 ​ 264 ​ 4 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 12,434 ​ $ 13,361 ​ $ 545 ​ $ 14,135 ​ $ 431 ​ (5 – continued) 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 ​ 6,435 ​ 6,569 ​ — ​ 6,683 ​ 312 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 133 ​ ​ 146 ​ ​ — ​ ​ 11 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ 27 ​ 28 ​ — ​ 29 ​ — Commercial business ​ 231 ​ 241 ​ — ​ 316 ​ 13 SBA commercial business ​ — ​ — ​ — ​ — ​ — 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 ​ 70 ​ 117 ​ 5 ​ 9 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 1,081 ​ ​ 1,176 ​ ​ 487 ​ ​ 247 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ — ​ — SBA 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 ​ 6,505 ​ 6,686 ​ 5 ​ 6,692 ​ 312 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 1,214 ​ ​ 1,322 ​ ​ 487 ​ ​ 258 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ 27 ​ 28 ​ — ​ 29 ​ — Commercial business ​ 231 ​ 241 ​ — ​ 316 ​ 13 SBA commercial business ​ — ​ — ​ — ​ — ​ — Consumer ​ 243 ​ 251 ​ 12 ​ 257 ​ 4 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,327 ​ $ 14,095 ​ $ 511 ​ $ 12,949 ​ $ 471 ​ (5 – continued) 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, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2020 ​ At September 30, 2019 ​ ​ ​ 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 ​ $ 2,797 ​ $ — ​ $ 2,797 ​ $ 2,580 ​ $ 12 ​ $ 2,592 Commercial real estate ​ 685 ​ — ​ 685 ​ 60 ​ — ​ 60 Single tenant net lease ​ — ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 6,927 ​ ​ — ​ ​ 6,927 ​ ​ 2,365 ​ ​ — ​ ​ 2,365 Multifamily ​ ​ 698 ​ ​ — ​ ​ 698 ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ 2 ​ — ​ 2 ​ — ​ — ​ — Commercial business ​ 1,668 ​ — ​ 1,668 ​ — ​ — ​ — SBA commercial business ​ 695 ​ — ​ 695 ​ — ​ — ​ — Consumer ​ 143 ​ — ​ 143 ​ 163 ​ — ​ 163 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 13,615 ​ $ — ​ $ 13,615 ​ $ 5,168 ​ $ 12 ​ $ 5,180 ​ The following table presents the aging of the recorded investment in past due loans at September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 60-89 90+ ​ ​ ​ ​ ​ ​ ​ ​ Days ​ Days ​ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) Residential real estate ​ $ 1,693 ​ $ 480 ​ $ 1,631 ​ $ 3,804 ​ $ 188,465 ​ $ 192,269 Commercial real estate ​ 109 ​ — ​ 685 ​ 794 ​ 141,343 ​ 142,137 Single tenant net lease ​ — ​ — ​ — ​ — ​ 335,600 ​ 335,600 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 1,874 ​ ​ 1,874 ​ ​ 55,103 ​ ​ 56,977 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 42,470 ​ ​ 42,470 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9,358 ​ ​ 9,358 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 6,939 ​ ​ 6,939 Land and land development ​ — ​ — ​ 2 ​ 2 ​ 9,410 ​ 9,412 Commercial business ​ 63 ​ — ​ — ​ 63 ​ 60,679 ​ 60,742 SBA commercial business ​ 373 ​ — ​ 322 ​ 695 ​ 204,347 ​ 205,042 Consumer ​ 233 ​ 59 ​ 4 ​ 296 ​ 50,432 ​ 50,728 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 2,471 ​ $ 539 ​ $ 4,518 ​ $ 7,528 ​ $ 1,104,146 ​ $ 1,111,674 ​ (5 – continued) The following table presents the aging of the recorded investment in past due loans at September 30, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 60-89 90+ ​ ​ ​ ​ ​ ​ ​ ​ Days ​ Days ​ 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 ​ $ 194,655 ​ $ 197,972 Commercial real estate ​ — ​ 102 ​ — ​ 102 ​ 171,042 ​ 171,144 Single tenant net lease ​ — ​ — ​ — ​ — ​ 224,006 ​ 224,006 SBA commercial real estate ​ ​ 892 ​ ​ 670 ​ ​ 1,523 ​ ​ 3,085 ​ ​ 44,558 ​ ​ 47,643 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 38,292 ​ ​ 38,292 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 12,514 ​ ​ 12,514 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 3,327 ​ ​ 3,327 Land and land development ​ — ​ — ​ — ​ — ​ 10,564 ​ 10,564 Commercial business ​ 44 ​ — ​ — ​ 44 ​ 53,758 ​ 53,802 SBA commercial business ​ 138 ​ — ​ — ​ 138 ​ 19,908 ​ 20,046 Consumer ​ 77 ​ 17 ​ 19 ​ 113 ​ 44,604 ​ 44,717 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 2,770 ​ $ 1,366 ​ $ 2,663 ​ $ 6,799 ​ $ 817,228 ​ $ 824,027 ​ 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: Substandard: Doubtful: Loss: (5 – continued) 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 September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) September 30, 2020: ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 188,707 ​ $ — ​ $ 3,435 ​ $ 127 ​ $ — ​ $ 192,269 Commercial real estate ​ 133,685 ​ 4,112 ​ 4,340 ​ — ​ — ​ 142,137 Single tenant net lease ​ ​ 335,600 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 335,600 SBA commercial real estate ​ ​ 38,124 ​ ​ 6,518 ​ ​ 12,335 ​ ​ — ​ ​ — ​ ​ 56,977 Multifamily ​ ​ 41,772 ​ ​ — ​ ​ 698 ​ ​ — ​ ​ — ​ ​ 42,470 Residential construction ​ ​ 9,358 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9,358 Commercial construction ​ ​ 6,939 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 6,939 Land and land development ​ ​ 9,410 ​ ​ — ​ ​ 2 ​ ​ — ​ ​ — ​ ​ 9,412 Commercial business ​ 58,707 ​ 235 ​ 1,800 ​ — ​ — ​ 60,742 SBA commercial business ​ 200,578 ​ 294 ​ 4,170 ​ — ​ — ​ 205,042 Consumer ​ 50,701 ​ — ​ 27 ​ — ​ — ​ 50,728 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,073,581 ​ $ 11,159 ​ $ 26,807 ​ $ 127 ​ $ — ​ $ 1,111,674 ​ The following table presents the recorded investment in loans by risk category as of September 30, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) September 30, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 193,967 ​ $ — ​ $ 3,946 ​ $ 59 ​ $ — ​ $ 197,972 Commercial real estate ​ 167,029 ​ 102 ​ 4,013 ​ — ​ — ​ 171,144 Single tenant net lease ​ 224,006 ​ — ​ — ​ — ​ — ​ 224,006 SBA commercial real estate ​ 38,397 ​ 802 ​ 8,444 ​ — ​ — ​ 47,643 Multifamily ​ 37,823 ​ — ​ 469 ​ — ​ — ​ 38,292 Residential construction ​ 12,514 ​ — ​ — ​ — ​ — ​ 12,514 Commercial construction ​ 3,327 ​ — ​ — ​ — ​ — ​ 3,327 Land and land development ​ 10,564 ​ — ​ — ​ — ​ — ​ 10,564 Commercial business ​ 51,479 ​ — ​ 2,323 ​ — ​ — ​ 53,802 SBA commercial business ​ 19,571 ​ — ​ 475 ​ — ​ — ​ 20,046 Consumer ​ 44,618 ​ — ​ 97 ​ 2 ​ — ​ 44,717 Total ​ $ 803,295 ​ $ 904 ​ $ 19,767 ​ $ 61 ​ $ — ​ $ 824,027 ​ (5 – continued) Troubled Debt Restructurings The following table summarizes TDRs by accrual status at September 30, 2020 and 2019. There was $538,000 of specific reserve included in the allowance for loan losses related to TDRs at September 30, 2020. 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, 2020: ​ ​ ​ Residential real estate ​ $ 2,562 ​ $ 116 ​ $ 2,678 Commercial real estate ​ ​ 449 ​ ​ 512 ​ ​ 961 SBA commercial real estate ​ — ​ 3,800 ​ 3,800 Multifamily ​ ​ — ​ ​ 698 ​ ​ 698 Commercial business ​ 2 ​ 1,668 ​ 1,670 Consumer ​ 56 ​ — ​ 56 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,069 ​ $ 6,794 ​ $ 9,863 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ (5 – continued) There were no TDRs that were restructured during the year ended September 30, 2019.The following table summarizes information in regard to TDRs that were restructured during the years ended September 30, 2020 and 2018. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pre- Post- ​ ​ ​ ​ Modification ​ Modification ​ ​ Number of ​ Principal ​ Principal ​ ​ Loans ​ Balance ​ Balance ​ ​ ​ ​ (Dollars in thousands) September 30, 2020: ​ ​ Residential real estate 1 ​ $ 1,099 ​ $ 1,100 SBA commercial real estate 1 ​ 3,832 ​ 3,832 Multifamily 2 ​ 700 ​ 700 Commercial business 9 ​ 1,737 ​ 1,737 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 13 ​ $ 7,368 ​ $ 7,369 ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ At both September 30, 2020 and 2019, the Company had committed to lend $1,000 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, 2020, 2019 and 2018. Provisions for loan losses related to TDRs totaled $538,000 and $5,000 for the years ended September 30, 2020 and 2018, respectively. There were no provisions for loan losses related to TDRs for the year ended September 30, 2019. 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 at September 30, 2019 was $114,000. During the years ended September 30, 2020 and 2018, 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). (5 – continued) On March 22, 2020, the federal banking agencies issued an "Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus". This guidance encourages financial institutions to work prudently with borrowers that may be unable to meet their contractual obligations because of the effects of COVID-19. The guidance indicates that, in consultation with the FASB, the federal banking agencies concluded that short-term modifications (e.g., six months) made on a good faith basis to borrowers who were current as of the implementation date of a relief program are not TDRs. The CARES Act also addressed COVID-19 related modifications and specified that COVID-19 related modifications on loans that were current as of December 31, 2019 are not TDRs. Through September 30, 2020, the Company had approved payment extensions or loan forbearance agreements using this guidance on approximately $88.1 million of balances in the loan portfolio, of which $79.5 million related to commercial real estate, $7.1 million related to residential real estate and consumer loans, and $1.5 million related to SBA lending relationships. These payment extensions or loan forbearance agreements are generally for periods of three months or less, but may be extended if the borrower continues to be impacted by the COVID-19 pandemic. At September 30, 2020, loans totaling $14.1 million remained under the Company's payment extension program or a loan forbearance agreement, of which $13.4 million related to commercial real estate and $713,000 related to residential real estate and consumer loans. 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, 2020 and 2019 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, 2020 and 2019 were as follows: ​ ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2020 2019 Discount rate 3.58% to 19.86% (8.36%) 6.82% to 26.61% (11.11%) Prepayment rate 8.69% to 26.68% (17.46%) 6.80% to 21.17% (14.10%) ​ 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 other noninterest income in the consolidated statements of income. The unpaid principal balance of SBA loans serviced for others was $209.1 million, $165.0 million and $120.6 million at September 30, 2020, 2019 and 2018, respectively. An analysis of loan servicing fees on SBA loans for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Late fees and ancillary fees earned ​ $ 54 ​ $ 41 ​ $ 17 Net servicing income ​ 1,806 ​ 1,245 ​ 863 SBA net servicing fees ​ $ 1,860 ​ $ 1,286 ​ $ 880 ​ (5 – continued) 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, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Balance as of October 1 ​ $ 3,030 ​ $ 2,405 ​ $ 1,389 Servicing rights capitalized ​ 1,450 ​ 1,334 ​ 1,565 Amortization ​ (848) ​ (596) ​ (372) Direct write-offs ​ — ​ (142) ​ — Change in valuation allowance ​ 116 ​ 29 ​ (177) Balance as of September 30 ​ $ 3,748 ​ $ 3,030 ​ $ 2,405 ​ An analysis of the valuation allowance related

INVESTMENT IN HISTORIC TAX CRED

INVESTMENT IN HISTORIC TAX CREDIT ENTITY	12 Months Ended
	Sep. 30, 2020
INVESTMENT IN HISTORIC TAX CREDIT ENTITY
INVESTMENT IN HISTORIC TAX CREDIT ENTITY	(6) 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, 2020, 2019 and 2018, the Bank recognized income related to distributions from the historic tax credit entity of $426,000, $210,000 and $585,000, respectively.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Sep. 30, 2020
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	(7) Premises and equipment consisted of the following at September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Land and land improvements ​ $ 4,071 ​ $ 2,816 Office buildings ​ 20,062 ​ 17,575 Leasehold improvements ​ 66 ​ 61 Furniture, fixtures and equipment ​ ​ 8,036 ​ ​ 6,596 Construction in progress ​ 1,057 ​ 1,193 ​ ​ 33,292 ​ 28,241 Less: accumulated depreciation ​ (8,880) ​ (9,003) ​ ​ ​ ​ ​ ​ ​ Totals ​ $ 24,412 ​ $ 19,238 ​ Depreciation expense recognized for premises and equipment for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Depreciation expense ​ $ 1,576 ​ $ 1,305 ​ $ 920 ​ 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 was recognized in noninterest income in the consolidated statements of income in 2016. The gain attributable to the retail branch property was deferred and had a remaining balance of $218,000 at September 30, 2019 . On October 1, 2019, the Company adopted FASB ASC 842 and all subsequent updates that modified FASB ASC 842, which resulted in the recognition of the remaining deferred gain through a cumulative-effect adjustment to retained earnings. See Note 19 for additional information regarding the Company’s leases.

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Sep. 30, 2020
OTHER REAL ESTATE OWNED
OTHER REAL ESTATE OWNED	(8) Other real estate owned asset activity was as follows for the years ended September 30, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Balance as of October 1 ​ $ 1,893 ​ $ 103 ​ $ 852 Acquired from FNBO ​ — ​ — ​ 31 Transfers from loans to other real estate owned ​ — ​ 114 ​ 133 Transfers from premises and equipment to REO ​ — ​ 1,893 ​ — Direct write-downs ​ — ​ — ​ (63) Sales ​ (165) ​ (217) ​ (827) Other adjustments ​ — ​ — ​ (23) Balance as of September 30 ​ $ 1,728 ​ $ 1,893 ​ $ 103 ​ At September 30, 2020 and 2019, other real estate owned did not include any residential real estate properties where physical possession has been obtained. The recorded investment in consumer mortgage loans secured by residential real estate properties where formal foreclosure proceedings are in process was $1.3 million at both September 30, 2020 and 2019. (8 – continued) Net (gain) loss on other real estate owned for the years ended September 30, 2020, 2019 and 2018 was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Net gain on sales ​ $ (16) ​ $ (78) ​ $ (278) Direct write-downs ​ — ​ — ​ 63 Operating expenses, net of rental income ​ 15 ​ 21 ​ 55 ​ ​ $ (1) ​ $ (57) ​ $ (160) ​

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	12 Months Ended
	Sep. 30, 2020
GOODWILL AND OTHER INTANGIBLES
GOODWILL AND OTHER INTANGIBLES	(9) 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 2020, 2019, or 2018. The changes in the carrying amount of goodwill for the years ended September 30, 2020, 2019 and 2018 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Beginning balance ​ $ 9,848 ​ $ 9,848 ​ $ 7,936 Acquisition of Dearmin/FNBO ​ — ​ — ​ 1,912 Ending balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 ​ The following is a summary of other intangible assets subject to amortization: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 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 ​ (3,592) ​ (3,378) Ending balance ​ $ 1,202 ​ $ 1,416 ​ Amortization expense on intangibles for the years ended September 30, 2020, 2019 and 2018 is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Amortization expense ​ $ 214 ​ $ 312 ​ $ 453 ​ (9 – continued) 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) 2021 ​ $ 214 2022 ​ 214 2023 ​ 214 2024 ​ 163 2025 ​ 163 2026 and thereafter ​ 234 Total ​ $ 1,202 ​

DEPOSITS

DEPOSITS	12 Months Ended
	Sep. 30, 2020
DEPOSITS
DEPOSITS	(10) Deposits at September 30, 2020 and 2019 consisted of the following: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Noninterest-bearing demand deposits ​ $ 242,673 ​ $ 173,072 NOW accounts ​ 218,581 ​ 173,746 Money market accounts ​ 143,867 ​ 121,281 Savings accounts ​ 142,609 ​ 120,393 Retail time deposits ​ 168,276 ​ 146,227 Brokered time deposits ​ 54,688 ​ 99,665 Reciprocal time deposits ​ ​ 77,382 ​ ​ — ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,048,076 ​ $ 834,384 ​ 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 $ 33.6 million and $ 22.3 million at September 30, 2020 and 2019, respectively. At September 30, 2020, scheduled maturities of time deposits were as follows: ​ ​ ​ ​ Years ending September 30: (In thousands) 2021 ​ $ 248,406 2022 ​ 25,022 2023 ​ 9,145 2024 ​ 8,906 2025 ​ 8,867 Total ​ $ 300,346 ​ The Bank held deposits for related parties of $9.4 million and $9.2 million at September 30, 2020 and 2019, respectively.

FEDERAL FUNDS PURCHASED

FEDERAL FUNDS PURCHASED	12 Months Ended
	Sep. 30, 2020
FEDERAL FUNDS PURCHASED
FEDERAL FUNDS PURCHASED	(11) 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, 2021 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 $22 million. The line of credit is intended to support short-term liquidity needs. At September 30, 2020, the Bank had no outstanding federal funds purchased under the facility. At September 30, 2019, the Bank had $4.0 million 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, 2020 and 2019, the Bank had no outstanding federal funds purchased under the facility.

REPURCHASE AGREEMENTS

REPURCHASE AGREEMENTS	12 Months Ended
	Sep. 30, 2020
REPURCHASE AGREEMENTS
REPURCHASE AGREEMENTS	(12) Repurchase agreements include retail repurchase agreements representing overnight borrowings from deposit customers. There we no repurchase agreements outstanding as of September 30, 2020 and 2019. Information concerning borrowings under retail repurchase agreements as of and for the years ended September 30,2020, 2019 and 2018 is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 2020 2019 2018 Weighted average interest rate during the year ​ — % ​ 0.25 % ​ 0.25 % Average balance during the year ​ ​ — ​ $ 1,075 ​ $ 1,350 ​ Maximum month-end balance during the year ​ — ​ 1,354 ​ 1,352 ​ ​ There were no available for sale securities underlying the repurchase agreements at September 30, 2020 and 2019.

BORROWINGS FROM FEDERAL HOME LO

BORROWINGS FROM FEDERAL HOME LOAN BANK	12 Months Ended
	Sep. 30, 2020
BORROWINGS FROM FEDERAL HOME LOAN BANK
BORROWINGS FROM FEDERAL HOME LOAN BANK	(13) At September 30, 2020 and 2019 borrowings from the FHLB were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2020 ​ 2019 ​ Weighted ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ ​ Average ​ ​ ​ (Dollars in thousands) ​ Rate ​ Amount ​ Rate ​ Amount Advances maturing in: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2020 — % $ — 1.88 % $ 40,000 2021 1.26 ​ 40,000 2.12 ​ 30,000 2022 2.01 ​ 10,000 2.01 ​ 10,000 2023 — ​ — — ​ — 2024 2.02 ​ 50,000 2.02 ​ 50,000 2025 and beyond 0.85 ​ 190,000 0.91 ​ 80,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total advances ​ 290,000 ​ 210,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Line of credit balance 0.50 ​ 20,858 2.33 ​ 12,544 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total borrowings from FHLB ​ $ 310,858 ​ $ 222,544 ​ 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, 2020, the eligible blanket collateral included residential mortgage loans with a carrying value of $400.0 million and commercial real estate loans with a carrying value of $382.9 million. There were no pledged available for sale securities at September 30, 2020. On August 14, 2020, 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 16, 2021. At September 30, 2020, there was $20.9 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 3, 2034. At September 30, 2020, the maximum amount available under the letter of credit was $2.1 million, and 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, 2020, the maximum amount available under the letter of credit was $1.9 million, and there was no outstanding balance under this agreement. The Bank has an irrevocable standby letter of credit issued by the FHLB to secure public funds deposits. The maximum amount available under the letter of credit was $185.0 million at September 30, 2020, and there was no outstanding balance under this agreement.

OTHER BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Sep. 30, 2020
OTHER BORROWINGS
OTHER BORROWINGS	(14) 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 $203,000 and $271,000 at September 30, 2020 and 2019, 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. In April of 2020, the Company began utilizing the Federal Reserve PPP Liquidity Facility (“PPPLF”). The proceeds from the PPPLF were used to fund certain PPP loans, which are pledged as collateral to secure the borrowings. Borrowings under the PPPLF totaled $174.8 million at September 30, 2020, and carry a fixed interest rate of 0.35%. ​

DEFERRED COMPENSATION PLANS

DEFERRED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2020
DEFERRED COMPENSATION PLANS
DEFERRED COMPENSATION PLANS	(15) The Company 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 $208,000 and $211,000 at September 30, 2020 and 2019, respectively. Deferred compensation expense for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Deferred compensation expense (income) ​ $ (4) ​ $ 80 ​ $ 51 ​ 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 $1.5 million and $1.4 million at September 30, 2020 and 2019, respectively. Deferred directors’ fees expense for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Deferred directors’ fee expense ​ $ 187 ​ $ 263 ​ $ 224 ​

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Sep. 30, 2020
BENEFIT PLANS
BENEFIT PLANS	(16) Defined Contribution Plan: The Company 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). (16 – continued) Company contributions to the plan for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Company contributions to the plan ​ $ 1,420 ​ $ 762 ​ $ 576 ​ 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, 2020, 2019 and 2018. 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 119,654 and 136,219 shares of Company common stock allocated to participant accounts at September 30, 2020 and 2019, respectively.

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2020
STOCK-BASED COMPENSATION PLANS
STOCK-BASED COMPENSATION PLANS	(17) 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, 2020, there were no remaining shares of the Company’s common stock available for issuance under the 2010 Plan. At September 30, 2020, 7,255 shares of the Company’s common stock were available for issuance under the 2016 Plan, all of which were available for stock options. 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, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Stock option expense ​ $ 86 ​ $ 72 ​ $ 68 Restricted stock expense ​ 193 ​ 173 ​ 148 ​ (17 – continued) 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, 2020, 2019 and 2018 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, 2020, 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 84,806 ​ $ 34.13 ​ Granted 11,958 ​ 66.35 ​ Exercised (28,361) ​ 14.01 ​ Forfeited or expired — ​ — ​ Outstanding at end of year 68,403 ​ $ 48.11 6.9 ​ $ 659,000 Vested and expected to vest 68,403 ​ $ 48.11 6.9 ​ $ 659,000 Exercisable at end of year 30,027 ​ $ 42.91 6.3 ​ $ 377,000 ​ The intrinsic value of stock options exercised during the years ended September 30, 2020, 2019 and 2018 was $1.4 million, $2.6 million and $2.8 million, respectively. At September 30, 2020, there was $161,000 of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 2.57 years. Cash received from the exercise of stock options was $148,000, $408,000 and $362,000 for the years ended September 30, 2020, 2019 and 2018, respectively. The tax benefit from the exercise of stock options was $134,000, $237,000 and $204,000 for the years ended September 30, 2020, 2019 and 2018, respectively. (17 – continued) 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, 2020 and changes during the year then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ Number ​ Average ​ ​ of ​ Grant Date ​ ​ Shares ​ Fair Value Nonvested at October 1, 2019 13,458 ​ $ 44.62 Granted 1,436 ​ $ 66.35 Vested (4,086) ​ $ 43.24 Forfeited — ​ $ — Nonvested at September 30, 2020 10,808 ​ $ 48.04 ​ There were 4,086, 3,653 and 3,453 restricted shares vested during the years ended September 30, 2020, 2019 and 2018, respectively. The total fair value of restricted shares that vested during the years ended September 30, 2020, 2019 and 2018 was $271,000, $216,000 and $195,000, respectively. At September 30, 2020, there was $348,000 of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 2.42 years.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Sep. 30, 2020
INCOME TAXES
INCOME TAXES	(18) 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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Current ​ $ 8,295 ​ $ 2,493 ​ $ 1,753 Valuation allowance ​ 193 ​ 166 ​ 102 Deferred ​ 4,173 ​ 436 ​ 567 Income tax expense ​ $ 12,661 ​ $ 3,095 ​ $ 2,422 ​ (18 – continued) The reconciliation of income tax expense with the amount which would have been provided at the federal statutory rate of 21% for the years ended September 30, 2020 and 2019, and the blended federal statutory rate of 24.5% for the year ended September 30, 2018 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Provision at federal statutory rate ​ $ 9,816 ​ $ 4,219 ​ $ 3,616 State income tax-net of federal tax benefit ​ 1,815 ​ 327 ​ 110 Federal tax rate change – 2017 Tax Cut and Jobs Act ​ — ​ — ​ (145) Tax-exempt interest income ​ (962) ​ (890) ​ (917) Bank owned life insurance ​ (154) ​ (111) ​ (104) Captive insurance net premiums ​ (295) ​ (223) ​ (208) Increase in federal deferred tax valuation allowance ​ 193 ​ 166 ​ 102 Nondeductible officer compensation ​ 2,373 ​ — ​ — Other ​ (125) ​ (393) ​ (32) Income tax expense ​ $ 12,661 ​ $ 3,095 ​ $ 2,422 ​ Significant components of deferred tax assets and liabilities at September 30, 2020 and 2019 are as follows: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Deferred tax assets: ​ ​ Allowance for loan losses ​ $ 2,833 ​ $ 1,681 Operating lease liability ​ 1,882 ​ — Deferred compensation plans ​ 409 ​ 391 Equity incentive plans ​ 45 ​ 48 Other-than-temporary impairment loss on available for sale securities ​ 28 ​ 27 Interest on nonaccrual loans ​ 191 ​ 111 Loss on tax credit investments ​ 1,673 ​ 1,418 Deferred loan fees and costs, net ​ 166 ​ 138 Investment in subsidiary ​ 584 ​ 493 Other ​ 423 ​ 65 Gross deferred tax assets ​ 8,234 ​ 4,372 Valuation allowance ​ (1,681) ​ (1,412) Net deferred tax assets ​ 6,553 ​ 2,960 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Unrealized gain on securities available for sale ​ (2,980) ​ (2,017) Accumulated depreciation ​ (1,611) ​ (690) Operating lease right of use asset ​ ​ (1,854) ​ ​ — Installment sale ​ (378) ​ (314) Acquisition purchase accounting adjustments ​ (789) ​ (777) Mortgage servicing rights ​ (5,401) ​ (223) FHLB stock dividends ​ (88) ​ (84) Prepaid expenses ​ (609) ​ (515) Other ​ (67) ​ (107) Deferred tax liabilities ​ (13,777) ​ (4,727) ​ ​ ​ ​ ​ ​ ​ Net deferred tax liability ​ $ (7,224) ​ $ (1,767) ​ (18 – continued) 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 was 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, 2020, except for a valuation allowance of $1.7 million on the net deferred tax asset related to losses on historic tax credit investment entities totaling $7.5 million. In assessing the need for a valuation allowance for the deferred tax assets for the historic tax credit investments, 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 investments. Because of the tax nature of the loss to be recognized when the investments are ultimately sold (which for tax purposes will give rise to a capital loss for the historic tax credit investments), the Company may not be able to generate capital gains in the future to be able to utilize the capital losses from the investments. Therefore, the Company’s assessment of the deferred tax asset warrants the need for a valuation allowance. At September 30, 2020 and 2019, 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, 2016 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. (18 – continued) Retained earnings of the Bank at September 30, 2020 and 2019 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, 2020 and 2019.

OPERATING LEASES

OPERATING LEASES	12 Months Ended
	Sep. 30, 2020
OPERATING LEASES
OPERATING LEASES	(19) A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified premises and equipment for a period of time in exchange for consideration. The Company is a lessor in certain leasing agreements, such as for office space, and is a lessee in others, such as for certain office space and equipment. The Company’s operating leases have terms that expire at different dates through August 2028, and some include options to extend On October 1, 2019, the Company adopted FASB ASC 842 and all subsequent updates that modified FASB ASC 842. For the Company, this update primarily affected the accounting treatment for operating lease agreements. With the adoption of FASB ASC 842, operating lease agreements are required to be recognized on the consolidated balance sheet as an ROU asset and a corresponding lease liability. All of the Company’s leases are classified as operating leases, and therefore, were previously not recognized on the Company’s consolidated balance sheet. The Company’s right to use an asset over the life of a lease is recorded as an ROU asset included in other assets on the consolidated balance sheet and was $7.9 million at September 30, 2020. Certain adjustments to the ROU liability The calculated amount of the ROU assets and lease liabilities are impacted by the length of the lease term and the discount rate used to calculate the present value of minimum lease payments. Regarding the discount rate, FASB ASC 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to October 1, 2019, the rate for the remaining lease term as of October 1, 2019 was used. (19 – continued) Leases with an initial term of 12 months or less are not recorded on the balance sheet and the Company recognizes lease expense for these leases on a straight-line basis over the term of the lease. Certain leases include one or more options to renew one Lease expense for the years ended September 30, 2020, 2019 and 2018 was $1.9 million, $1.2 million and $462,000, respectively. The components of lease expense for the years ended September 30, 2020, 2019 and 2018 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Operating lease cost ​ $ 1,294 ​ $ 527 ​ $ 227 Short-term lease cost ​ ​ 644 ​ ​ 679 ​ ​ 235 ​ ​ $ 1,938 ​ $ 1,206 ​ $ 462 ​ Future minimum commitments due under these lease agreements as of September 30, 2020 are as follows, including renewal options that are reasonably certain to be exercised: ​ ​ ​ ​ Years ending September 30: (In thousands) 2021 ​ $ 1,337 2022 ​ 1,158 2023 ​ 890 2024 ​ 758 2025 ​ 536 Thereafter ​ 5,528 Total lease payments ​ 10,207 Less imputed interest ​ (2,194) Total ​ $ 8,013 ​ The lease term and discount rate at September 30, 2020 were as follows: ​ ​ ​ ​ ​ Weighted-average remaining lease term (years) 18.5 ​ Weighted-average discount rate ​ 2.35 % ​ Supplemental cash flow information for the year ended September 30, 2020 related to leases was as follows: (In thousands) ​ ​ ​ ​ Cash paid for amounts included in the measurement of lease liabilities: ​ ​ Operating cash flows from operating leases ​ $ 1,221 ROU assets obtained in exchange for lease obligations: ​ ​ ​ Operating leases ​ ​ 9,083 ​ (19 – continued) Lessor The Company leases commercial office space to tenants under noncancelable operating leases with terms of three ​ ​ ​ ​ Years ending September 30: (In thousands) 2021 $ 584 2022 ​ 507 2023 ​ 461 2024 ​ 461 2025 ​ 346 2026 and thereafter ​ — Total $ 2,359 ​

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Sep. 30, 2020
COMMITMENTS AND CONTINGENCIES
COMMITMENTS AND CONTINGENCIES	(20) The Company 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 Company’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 Company 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 Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount and type of collateral obtained, if deemed necessary by the Company upon extension of credit, varies and is based on management’s credit evaluation of the counterparty. Commitments under outstanding standby letters of credit totaled $8.8 million and $5.0 million at September 30, 2020 and 2019, respectively. Standby letters of credit are conditional lending commitments issued by the Company 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 Company’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 Company has not been obligated to perform on any financial guarantees and has incurred no losses on its commitments in 2020 or 2019. (20 – continued) The following is a summary of the commitments to extend credit at September 30, 2020 and 2019. Interest rate lock commitments that meet the definition of a derivative are excluded from these totals. ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Loan commitments: ​ ​ Fixed rate ​ $ 12,547 ​ $ 28,079 Adjustable rate ​ 25,512 ​ 22,546 ​ ​ ​ ​ ​ ​ ​ Guarantees of third-party revolving credit ​ 182 ​ 157 Undisbursed portion of home equity lines of credit ​ 33,567 ​ 32,269 Undisbursed portion of commercial and personal lines of credit ​ 40,136 ​ 35,718 Undisbursed portion of construction loans in process ​ 18,735 ​ 23,182 Total commitments to extend credit ​ $ 130,679 ​ $ 141,951 ​ In connection with the sale of residential mortgage loans to third party investors, the Company makes usual and customary representations and warranties as to the propriety of its origination activities. In certain circumstances, the investors require the Company to repurchase loans sold to them under the terms of the warranties. When this happens, the loans are recorded at fair value with a corresponding charge to a valuation reserve. At September 30, 2020, the Company had established a reserve for loan repurchases or indemnifications of $290,000, which is included in other liabilities in the accompanying consolidated balance sheet. Provisions for loan repurchases or indemnifications totaling $614,000 were made for the year ended September 30, 2020, and are included in mortgage banking income in the accompanying consolidated statement of income. ​ At September 30, 2020, the Company has recorded a loss contingency for potential restitution to be repaid to certain borrowers who originated loans through the Company’s mortgage banking division. While a formal order has not been made by the Company’s regulators, the Company has estimated the potential restitution to be $951,000 based on the most likely outcome, and has recognized the loss at September 30, 2020. The Company anticipates that the matter will be settled within the next year, and it is at least reasonably possible that the estimate will change in the near term.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Sep. 30, 2020
DERIVATIVE FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	(21) 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 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. (21 – continued) The Company may be required to post margin collateral to derivative counterparties based on agreements with the dealers. At September 30, 2020, the Company had cash collateral posted with certain derivative counterparties of $3.0 million against its derivative obligations. The Company had no cash collateral posted with derivative counterparties at September 30, 2019. Cash collateral related to derivative contracts is recorded in interest-bearing deposits with banks or other assets in the consolidated balance sheets. The table below provides information on the Company’s derivative financial instruments as of September 30, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2020: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 793,671 ​ $ 14,937 ​ $ — Forward mortgage loan sale contracts ​ 605,750 ​ 226 ​ 1,827 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,399,421 ​ $ 15,163 ​ $ 1,827 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ 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, 2020, 2019 and 2018, is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Interest rate lock commitments ​ $ 11,668 ​ $ 2,889 ​ $ 380 Forward mortgage loan sale contracts ​ (22,412) ​ (3,462) ​ 37 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ (10,744) ​ $ (573) ​ $ 417 ​

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Sep. 30, 2020
FAIR VALUE MEASUREMENTS
FAIR VALUE MEASUREMENTS	(22) FASB ASC Topic 820 , Fair Value Measurements, Level 1: Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets. A quoted market price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available. Level 2: Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are not active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means. ​ (22 – continued) Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level 3 assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation. 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 at 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, 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) September 30, 2020: ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ Agency mortgage-backed ​ $ — ​ $ 7,952 ​ $ — ​ $ 7,952 Agency CMO ​ — ​ 9,805 ​ — ​ 9,805 Privately-issued CMO ​ — ​ 958 ​ — ​ 958 Privately-issued ABS ​ — ​ 960 ​ — ​ 960 SBA certificates ​ — ​ 694 ​ — ​ 694 Municipal bonds ​ — ​ 181,596 ​ — ​ 181,596 Total securities available for sale ​ $ — ​ $ 201,965 ​ $ — ​ $ 201,965 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 208,493 ​ $ — ​ $ 208,493 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative assets (included in other assets) ​ $ — ​ $ 226 ​ $ 14,937 ​ $ 15,163 Equity securities (included in other assets) ​ $ 66 ​ $ — ​ $ — ​ $ 66 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 21,703 ​ $ 21,703 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 1,827 ​ $ — ​ $ 1,827 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 5,329 ​ $ 5,329 Commercial real estate ​ ​ — ​ ​ — ​ ​ 1,134 ​ ​ 1,134 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 5,561 ​ ​ 5,561 Multifamily ​ — ​ — ​ 698 ​ 698 Land and land development ​ — ​ — ​ 2 ​ 2 Commercial business ​ — ​ — ​ 1,670 ​ 1,670 SBA commercial business ​ ​ — ​ ​ — ​ ​ 648 ​ ​ 648 Consumer ​ — ​ — ​ 199 ​ 199 Total impaired loans ​ $ — ​ $ — ​ $ 15,241 ​ $ 15,241 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale – fair value option not elected ​ $ — ​ $ 54,913 ​ $ — ​ $ 54,913 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loans held for sale ​ $ — ​ $ 22,119 ​ $ — ​ $ 22,119 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loan servicing rights ​ $ — ​ $ — ​ $ 3,748 ​ $ 3,748 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other real estate owned, held for sale: ​ ​ ​ ​ Former bank premises ​ $ — ​ $ — ​ $ 1,728 ​ $ 1,728 Total other real estate owned ​ $ — ​ $ — ​ $ 1,728 ​ $ 1,728 ​ (22 – continued) The table below presents the balances of financial assets measured at fair value on a recurring and nonrecurring basis as of September 30, 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) 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 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 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 ​ — ​ — ​ 5,282 ​ 5,282 SBA commercial real estate ​ — ​ — ​ 1,853 ​ 1,853 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 ​ (22 – continued) 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. Residential Mortgage Loans Held for Sale SBA Loans Held for Sale Derivative Financial Instruments 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. (22 – continued) 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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Beginning balance ​ $ 3,269 ​ $ 380 ​ $ — Unrealized gains recognized in earnings, net of settlements ​ 11,668 ​ 2,889 ​ 380 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 14,937 ​ $ 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, 2020, 2019 and 2018 attributable to Level 3 derivative assets held at the balance sheet date were $14.9 million, $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, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2020 Range of Inputs 2019 Range of Inputs Financial Instrument Unobservable Inputs (Weighted Average) ​ (Weighted Average) Interest rate lock commitments Pull-through rate 0% - 100% (80%) ​ 55% - 100% (79.24%) ​ ​ Direct costs to close ​ 0.31%-1.01% (0.52%) ​ 1% ​ Residential Mortgage Servicing Rights . The table below presents a reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Beginning balance $ 934 ​ ​ — Issuances (loans sold with servicing retained) ​ 24,058 ​ ​ 940 Net settlements ​ (1,542) ​ ​ (6) Unrealized gains (losses) included in earnings ​ (1,747) ​ ​ — ​ ​ ​ ​ ​ ​ ​ Ending balance $ 21,703 ​ ​ 934 ​ Changes in the fair value of MSRs are included in mortgage banking income in the accompanying consolidated statements of income. (22 – continued) 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, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2020 ​ 2019 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument Inputs (Weighted Average) (Weighted Average) MSRs Discount rate ​ 9.25% 9.25% ​ Prepayment rate ​ 2.99% - 86.98% (18.08%) 4.42% - 72.79% (18.75%) ​ Impaired Loans 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, 2020 and 2019, 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, 2020 and 2019, 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, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Provision for loan losses recognized ​ $ 2,424 ​ $ 860 ​ $ 573 ​ SBA Loan Servicing Rights Impairment charges to write down SBA loan servicing rights to fair value for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Charges to write down SBA loan servicing rights ​ $ (116) ​ $ 113 ​ $ 177 ​ ​ (22 – continued) Other Real Estate Owned 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, 2020, 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) of 30.9%. 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%. Charges to write down other real estate owned to fair value for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Charges to write down other real estate owned ​ $ — ​ $ — ​ $ 63 ​ Transfers between Categories Financial Instruments Recorded Using Fair Value Option. The Company has elected the fair value option for substantially all of its residential mortgage loans held for sale, including substantially all loans originated by the Company’s mortgage banking 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, 2020 and 2019. 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, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2020: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 208,493 ​ $ 198,138 ​ $ 10,355 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2019: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 80,457 ​ $ 77,787 ​ $ 2,670 ​ (22 – continued) 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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2020 2019 2018 Gains – included in mortgage banking income ​ $ 7,504 ​ $ 2,492 ​ $ 257 Interest income ​ 7,256 ​ 1,516 ​ 376 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 14,760 ​ $ 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, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements ​ ​ Carrying ​ Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) September 30, 2020: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 12,807 ​ $ 12,807 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 20,919 ​ 20,919 ​ — ​ — Interest-bearing time deposits ​ 2,964 ​ — ​ 2,964 ​ — Securities available for sale ​ 201,965 ​ — ​ 201,965 ​ — Securities held to maturity ​ 2,102 ​ — ​ 2,385 ​ — Residential mortgage loans held for sale ​ 263,406 ​ — ​ 263,519 ​ — SBA loans held for sale ​ ​ 22,119 ​ ​ — ​ ​ 24,666 ​ ​ — Loans, net ​ 1,090,063 ​ — ​ — ​ 1,152,962 FRB and FHLB stock ​ 17,293 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 6,462 ​ — ​ 6,462 ​ — SBA loan servicing rights ​ 3,748 ​ — ​ — ​ 3,934 Residential mortgage loan servicing rights ​ ​ 21,703 ​ ​ — ​ ​ — ​ ​ 21,703 Derivative assets (included in other assets) ​ 15,163 ​ — ​ 226 ​ 14,937 Equity securities (included in other assets) ​ ​ 66 ​ ​ 66 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ Deposits ​ 1,048,076 ​ — ​ — ​ 1,050,569 Borrowings from FHLB ​ 310,858 ​ — ​ 310,766 ​ — Subordinated note ​ 19,797 ​ — ​ 23,788 ​ — Federal Reserve PPPLF borrowings ​ 174,834 ​ — ​ 174,808 ​ — Accrued interest payable ​ 683 ​ — ​ 683 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 2,615 ​ ​ — ​ ​ 2,615 ​ ​ — Derivative liabilities (included in other liabilities) ​ 1,827 ​ — ​ 1,827 ​ — ​ (22 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements ​ ​ Carrying ​ Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) 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 ​ 3,030 ​ — ​ — ​ 3,030 Residential mortgage loan servicing rights ​ ​ 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 ​ — ​ — ​ 835,384 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 ​ — ​ 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, 2020
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	(23) 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. (23 – continued) 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 was phased in from 0.0% for 2015 to 2.5% by 2019. The capital conservation buffer was 2.50% for 2019 and 2020. The Bank met all capital adequacy requirements to which it was subject as of September 30, 2020 and 2019. As of September 30, 2020, 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. (23 – continued) The Company’s and Bank’s actual capital amounts and ratios are also presented in the table. 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 the Bank’s required disclosures in the table below. No amount was deducted from capital for interest-rate risk at either date. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ for Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes ​ Action Provisions: (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 168,617 13.37 % $ 100,929 8.00 % ​ N/A N/A ​ Bank ​ 160,452 12.75 % 100,672 8.00 % $ 125,840 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 133,520 10.58 % $ 75,697 6.00 % N/A N/A ​ Bank ​ 145,152 11.53 % 75,504 6.00 % $ 100,672 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 133,520 10.58 % $ 56,773 4.50 % N/A N/A ​ Bank ​ 145,152 11.53 % 56,428 4.50 % $ 81,796 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 133,520 8.53 % $ 62,617 4.00 % N/A N/A ​ Bank ​ 145,152 9.37 % 61,966 4.00 % $ 77,458 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 % ​ (23 – continued) 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, 2020
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	(24) 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, 2020, 2019 and 2018. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands, except share and per share data) 2020 2019 2018 Basic: ​ ​ ​ Earnings: ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 33,354 ​ $ 16,177 ​ $ 10,902 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 2,356,680 ​ 2,315,697 ​ 2,258,020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 14.15 ​ $ 6.99 ​ $ 4.83 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ Earnings: ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 33,354 ​ $ 16,177 ​ $ 10,902 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 2,356,680 ​ 2,315,697 ​ 2,258,020 Add: Dilutive effect of outstanding options ​ 16,180 ​ 50,623 ​ 107,274 Add: Dilutive effect of restricted stock ​ 3,094 ​ 5,764 ​ 7,260 Weighted average common shares outstanding, as adjusted ​ 2,375,954 ​ 2,372,084 ​ 2,372,554 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 14.04 ​ $ 6.82 ​ $ 4.60 ​ 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, 2020, 2019 and 2018. Stock options for 22,158, 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, 2020, 2019 and 2018, respectively, because their effect was antidilutive.

PARENT COMPANY CONDENSED FINANC

PARENT COMPANY CONDENSED FINANCIAL INFORMATION	12 Months Ended
	Sep. 30, 2020
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
PARENT COMPANY CONDENSED FINANCIAL INFORMATION	(25) Condensed financial information for First Savings Financial Group, Inc. (parent company only) follows: Balance Sheets ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, (In thousands) 2020 2019 Assets: ​ ​ Cash and due from banks ​ $ 4,762 ​ $ 6,474 Other assets ​ 988 ​ 816 Investment in subsidiaries ​ 171,871 ​ 133,760 ​ ​ $ 177,621 ​ $ 141,050 ​ ​ ​ ​ ​ ​ ​ Liabilities and Equity: ​ ​ Subordinated note ​ $ 19,797 ​ $ 19,729 Accrued expenses ​ 552 ​ 268 Stockholders’ equity ​ 157,272 ​ 121,053 ​ ​ $ 177,621 ​ $ 141,050 ​ Statements of Income ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2020 2019 2018 Dividend income from subsidiaries ​ $ 1,000 ​ $ 750 ​ $ 9,875 Interest expense ​ (1,274) ​ (1,277) ​ (33) Other operating expenses ​ (1,002) ​ (882) ​ (921) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before income taxes and equity in undistributed net income of subsidiaries ​ (1,276) ​ (1,409) ​ 8,921 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income tax benefit ​ 598 ​ 747 ​ 408 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before equity in undistributed net income of subsidiaries ​ (678) ​ (662) ​ 9,329 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ 34,032 ​ 16,839 ​ 1,573 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 33,354 ​ $ 16,177 ​ $ 10,902 ​ (25 – continued) Statements of Cash Flows ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2020 2019 2018 Operating Activities: ​ ​ ​ Net income ​ $ 33,354 ​ $ 16,177 ​ $ 10,902 Adjustments to reconcile net income to net cash provided by (used in) operating activities: ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ (34,032) ​ (16,839) ​ (1,573) Stock compensation expense ​ 279 ​ 246 ​ 217 Net change in other assets and liabilities ​ 182 ​ (184) ​ (162) Net cash provided by (used in) operating activities ​ (217) ​ (600) ​ 9,384 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investing Activities: ​ ​ ​ Acquisition of Dearmin ​ — ​ — ​ (9,148) Investment in bank subsidiary ​ — ​ (2,000) ​ (10,000) Proceeds from maturities of interest-bearing time deposits ​ — ​ — ​ 10 Net cash used in investing activities ​ — ​ (2,000) ​ (19,138) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financing Activities: ​ ​ ​ Net proceeds from subordinated note ​ — ​ — ​ 19,661 Exercise of stock options ​ 148 ​ 408 ​ 362 Tax paid on stock award shares for employees ​ (53) ​ (32) ​ (46) Dividends paid ​ (1,590) ​ (1,472) ​ (1,343) Net cash provided by (used in) financing activities ​ (1,495) ​ (1,096) ​ 18,634 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net increase (decrease) in cash and due from banks ​ (1,712) ​ (3,696) ​ 8,880 Cash and due from banks at beginning of year ​ 6,474 ​ 10,170 ​ 1,290 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks at end of year ​ $ 4,762 ​ $ 6,474 ​ $ 10,170 ​

CONCENTRATION OF CREDIT RISK

CONCENTRATION OF CREDIT RISK	12 Months Ended
	Sep. 30, 2020
CONCENTRATION OF CREDIT RISK
CONCENTRATION OF CREDIT RISK	(26) At September 30, 2020 and 2019, the Company had a concentration of credit risk with correspondent banks in excess of the federal deposit insurance limit of $7.2 million and $8.8 million, respectively.

SUPPLEMENTAL DISCLOSURE OF CASH

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION	12 Months Ended
	Sep. 30, 2020
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION	(27) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2020 2019 2018 Cash payments for: ​ ​ ​ Interest ​ $ 10,817 ​ $ 10,729 ​ $ 5,873 Income taxes (net of refunds received) ​ 3,971 ​ 1,572 ​ 1,759 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-cash activities: ​ ​ ​ Transfers from loans to loans held for sale ​ ​ 15,916 ​ ​ — ​ ​ — Transfers from loans to other real estate owned ​ — ​ 114 ​ 133 Proceeds from sales of other real estate owned financed through loans ​ — ​ 112 ​ 453 Cashless exercise of stock options ​ 249 ​ 542 ​ 387 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, 2020
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	(28) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2020: ​ ​ ​ ​ Interest income ​ $ 13,767 ​ $ 13,693 ​ $ 15,344 ​ $ 17,125 Interest expense ​ 2,875 ​ 2,783 ​ 2,543 ​ 2,337 Net interest income ​ 10,892 ​ 10,910 ​ 12,801 ​ 14,788 Provision for loan losses ​ 505 ​ 1,705 ​ 2,980 ​ 2,772 Net interest income after provision for loan losses ​ 10,387 ​ 9,205 ​ 9,821 ​ 12,016 Noninterest income ​ 18,126 ​ 10,994 ​ 46,337 ​ 55,664 Noninterest expenses ​ 24,272 ​ 22,075 ​ 35,009 ​ 44,452 Income (loss) before income taxes ​ 4,241 ​ (1,876) ​ 21,149 ​ 23,228 Income tax expense (benefit) ​ 638 ​ (774) ​ 5,540 ​ 7,257 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) ​ 3,603 ​ (1,102) ​ 15,609 ​ 15,971 Net income (loss) attributable to noncontrolling interest in subsidiary ​ 164 ​ (475) ​ 204 ​ 834 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) attributable to First Savings Financial Group, Inc. ​ $ 3,439 ​ $ (627) ​ $ 15,405 ​ $ 15,137 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, basic ​ $ 1.47 ​ $ (0.27) ​ $ 6.51 ​ $ 6.40 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, diluted ​ $ 1.44 ​ $ (0.26) ​ $ 6.51 ​ $ 6.39 ​ (28 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Sep. 30, 2020
SEGMENT REPORTING
SEGMENT REPORTING	(29) 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. 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, 2020: ​ ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 39,408 ​ $ 5,911 ​ $ 5,276 ​ $ (1,204) ​ $ 49,391 Provision for loan losses ​ 4,636 ​ 3,326 ​ — ​ — ​ 7,962 Net interest income (loss) after provision ​ ​ 34,772 ​ ​ 2,585 ​ ​ 5,276 ​ ​ (1,204) ​ ​ 41,429 Net gains on sales of loans, SBA ​ — ​ 5,673 ​ — ​ — ​ 5,673 Mortgage banking income ​ ​ 8 ​ ​ — ​ ​ 117,844 ​ ​ — ​ ​ 117,852 Noninterest income ​ ​ 5,905 ​ ​ 6,751 ​ ​ 118,465 ​ ​ — ​ ​ 131,121 Noninterest expense (income) ​ ​ 29,772 ​ ​ 7,853 ​ ​ 88,573 ​ ​ (390) ​ ​ 125,808 Income (loss) before taxes ​ ​ 10,905 ​ ​ 1,483 ​ ​ 35,168 ​ ​ (814) ​ ​ 46,742 Income tax expense (benefit) ​ 2,265 ​ 189 ​ 10,793 ​ (586) ​ 12,661 Segment profit (loss) ​ 8,640 ​ 1,294 ​ 24,375 ​ (228) ​ 34,081 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 1,558 ​ 51 ​ 181 ​ 68 ​ 1,858 Segment assets at September 30, 2020 ​ 1,459,467 ​ 283,994 ​ 293,973 ​ (272,809) ​ 1,764,625 ​ (29 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ Consolidated (In thousands) Banking Lending Banking ​ Other Totals Year Ended September 30, 2019: ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 36,524 ​ $ 4,145 ​ $ 636 ​ $ (1,216) ​ $ 40,089 Provision (credit) for loan losses ​ ​ (242) ​ ​ 1,705 ​ ​ — ​ ​ — ​ ​ 1,463 Net interest income (loss) after provision ​ ​ 36,766 ​ ​ 2,440 ​ ​ 636 ​ ​ (1,216) ​ ​ 38,626 Net gains on sales of loans, SBA ​ — ​ 4,569 ​ — ​ — ​ 4,569 Mortgage banking income ​ ​ 33 ​ ​ — ​ ​ 32,974 ​ ​ — ​ ​ 33,007 Noninterest income ​ ​ 5,650 ​ ​ 5,182 ​ ​ 33,022 ​ ​ — ​ ​ 43,854 Noninterest expense ​ ​ 28,852 ​ ​ 5,953 ​ ​ 27,760 ​ ​ (175) ​ ​ 62,390 Income (loss) before taxes ​ ​ 13,564 ​ ​ 1,669 ​ ​ 5,898 ​ ​ (1,041) ​ ​ 20,090 Income tax expense (benefit) ​ ​ 2,143 ​ ​ 213 ​ ​ 1,475 ​ ​ (736) ​ ​ 3,095 Segment profit (loss) ​ ​ 11,421 ​ ​ 1,456 ​ ​ 4,423 ​ ​ (305) ​ ​ 16,995 Noncash items: ​ ​ ​ ​ ​ Depreciation and amortization ​ 1,467 ​ 49 ​ 100 ​ 68 ​ 1,684 Segment assets at September 30, 2019 ​ 1,124,526 ​ 84,661 ​ 88,645 ​ (75,253) ​ 1,222,579 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ ​ Consolidated (In thousands) Banking Lending Banking ​ Other Totals ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended September 30, 2018: ​ ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 32,436 ​ $ 3,012 ​ $ 376 ​ $ (2) ​ $ 35,822 Provision (credit) for loan losses ​ (69) ​ 1,422 ​ — ​ — ​ ​ 1,353 Net interest income (loss) after provision ​ 32,505 ​ 1,590 ​ 376 ​ (2) ​ ​ 34,469 Net gains on sales of loans, SBA ​ — ​ 5,493 ​ — ​ — ​ ​ 5,493 Mortgage banking income ​ 587 ​ — ​ 1,731 ​ — ​ ​ 2,318 Noninterest income ​ 5,752 ​ 5,812 ​ 1,731 ​ — ​ ​ 13,295 Noninterest expense ​ 25,622 ​ 4,434 ​ 2,872 ​ 78 ​ ​ 33,006 Income (loss) before taxes ​ 12,635 ​ 2,968 ​ (765) ​ (80) ​ ​ 14,758 Income tax expense (benefit) ​ ​ 2,615 ​ ​ 424 ​ ​ (214) ​ ​ (403) ​ ​ 2,422 Segment profit (loss) ​ ​ 10,020 ​ ​ 2,544 ​ ​ (551) ​ ​ 323 ​ ​ 12,336 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 1,309 ​ ​ 50 ​ ​ 14 ​ ​ — ​ ​ 1,373 Segment assets at September 30, 2018 ​ ​ 1,014,301 ​ ​ 66,970 ​ ​ 10,834 ​ ​ (57,699) ​ ​ 1,034,406 ​

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Sep. 30, 2020
REVENUE FROM CONTRACTS WITH CUSTOMERS
REVENUE FROM CONTRACTS WITH CUSTOMERS	(30) REVENUE FROM CONTRACTS WITH CUSTOMERS Substantially 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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended ​ ​ September 30, (In thousands) 2020 ​ 2019 2018 ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 1,581 ​ $ 1,957 ​ $ 1,731 ATM and interchange fees ​ 2,116 ​ ​ 1,949 ​ 1,580 Investment advisory income ​ 288 ​ ​ 324 ​ 550 Other ​ 101 ​ ​ 137 ​ 139 Revenue from contracts with customers ​ 4,086 ​ ​ 4,367 ​ 4,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gain (loss) on securities ​ 7 ​ ​ (74) ​ 99 Gain on sale of SBA loans ​ 5,673 ​ ​ 4,569 ​ 5,493 Mortgage banking income ​ 117,852 ​ ​ 33,007 ​ 2,318 Increase in cash value of life insurance ​ 732 ​ ​ 580 ​ 430 Real estate lease income ​ 589 ​ ​ 594 ​ 5 Other ​ 2,182 ​ ​ 811 ​ 950 Other noninterest income ​ 127,035 ​ ​ 39,487 ​ 9,295 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 131,121 ​ $ 43,854 ​ $ 13,295 ​ A description of the Company’s revenue streams accounted for under FASB ASC 606 follows: Service Charges on Deposit Accounts ATM and Interchange Fees Investment Advisory Income (30 – continued) Other Income

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Sep. 30, 2020
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. 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 and has the option to purchase the minority interest. 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 10 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. (1 – continued) A substantial portion of the Company’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 Company’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 Available for Sale 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 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. (1 – continued) 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 Investments in non-marketable equity securities such as FRB stock and FHLB stock are carried at cost and are classified as restricted securities. The Bank is a member of the FHLB system and is required to own FHLB stock, the amount of which depends on the level of borrowings and other factors. 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 substantially all 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 Company 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 Company 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, 2020 and 2019. At September 30, 2020 and 2019, SBA loans held for sale totaling $22.1 million and $15.6 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 (1 – continued) 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. ​ (1 – continued) 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 with the exception of the SBA loan portfolio which uses a 36-month lookback period. (1 – continued) 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. During the year ended September 30, 2020, the Company also added a qualitative factor adjustment for economic uncertainties related to the novel coronavirus ("COVID-19"). At September 30, 2020, there is still considerable uncertainty about how severely the COVID-19 pandemic has impacted the loan portfolio. As a result, management has increased the allowance qualitative factor adjustments for each portfolio segment while considering the potential length of the pandemic, continued elevated unemployment rates, the impact of further state and local restrictions, the impact of government stimulus activities and the timeline for economic recovery. At September 30, 2020, the Company's allowance for loan losses totaled $17.0 million, of which $14.8 million related to qualitative factor adjustments including $4.6 million related to the COVID-19 qualitative factor adjustment. At September 30, 2019, the Company's allowance for loan losses totaled $10.0 million, of which $9.0 million related to qualitative factor adjustments. 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 (including single tenant net lease and loans originated through SBA programs), multi-family residential real estate, construction, land and land development, commercial business (including loans originated through SBA programs) 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 include the single tenant net lease loans and loans originated through SBA programs in addition to the Company’s core commercial loans, and 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. (1 – continued) Loans and Allowance for Loan Losses - continued 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 loans originated through SBA programs and 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. In addition, in an effort to support our communities during the pandemic, the Company is participating in the Paycheck Protection Program (“PPP”) under the Coronavirus Aid, Relief and Economic Security (“CARES”) Act, which was signed into law on March 27, 2020. The majority of the Company’s SBA clients applied for participation in the SBA’s PPP loan program. All PPP loans are 100% guaranteed by the SBA. 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 changes discussed above related to the COVID-19 qualitative factor, 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, 2020, 2019, and 2018. 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. (1 – continued) 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, estimated 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
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 Company 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
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
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 Accounting Standards Update ("ASU") No. 2016-02, Leases (Topic 842) Leases (Topic 842): Targeted Improvements The Company adopted the new leases standard on October 1, 2019, and as a result the Company recorded a right-of-use asset of $6.2 million, a lease liability of $6.3 million and a cumulative-effect adjustment of $166,000 to increase retained earnings. The Company has elected all applicable practical expedients permitted under the standard, including the option to expense short-term leases with a term of one year or less. The Company also utilized the transition method allowed under ASU 2028-11 and did not restate prior periods. See Note 19 for further details regarding adoption of the new leases standard. (1 – continued) In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) 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. The Company is a smaller reporting company as defined by the SEC, and currently does not intend to early adopt CECL. 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 In August 2018, the FASB issued ASU No. 2018-13, Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement The Company has determined that all other recently issued accounting pronouncements will not have a material impact on the Company's consolidated financial statements or do not apply to its operations. ​

ACQUISITION OF DEARMIN BANCOR_2

ACQUISITION OF DEARMIN BANCORP AND THE FIRST NATIONAL BANK OF ODON (Tables)	12 Months Ended
	Sep. 30, 2020
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, 2020
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 year ended September 30, 2018: ​ ​ ​ ​ (In thousands) 2018 Net realized gain on sales ​ $ 43 Net unrealized loss on securities held as of the balance sheet date ​ — Net gain on trading account securities ​ $ 43 ​
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, 2020: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ Agency mortgage-backed ​ $ 7,499 ​ $ 453 ​ $ — ​ $ 7,952 Agency CMO ​ 9,398 ​ 407 ​ — ​ 9,805 Privately-issued CMO ​ 886 ​ 80 ​ 8 ​ 958 Privately-issued ABS ​ 884 ​ 81 ​ 5 ​ 960 SBA certificates ​ 639 ​ 58 ​ 3 ​ 694 Municipal bonds ​ 168,472 ​ 13,180 ​ 56 ​ 181,596 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 187,778 ​ $ 14,259 ​ $ 72 ​ $ 201,965 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held to maturity: ​ ​ ​ ​ Agency mortgage-backed ​ $ 82 ​ $ 7 ​ $ — ​ $ 89 Municipal bonds ​ 2,020 ​ 276 ​ — ​ 2,296 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 2,102 ​ $ 283 ​ $ — ​ $ 2,385 ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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
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, 2020 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 ​ ​ Cost ​ Value ​ Cost ​ Value ​ ​ (In thousands) Due within one year ​ $ 4,845 ​ $ 4,933 ​ $ 247 ​ $ 277 Due after one year through five years ​ 29,929 ​ 31,229 ​ 1,019 ​ 1,153 Due after five years through ten years ​ 27,453 ​ 29,605 ​ 683 ​ 784 Due after ten years ​ 106,245 ​ 115,829 ​ 71 ​ 82 CMO ​ 10,284 ​ 10,763 ​ — ​ — ABS ​ 884 ​ 960 ​ — ​ — SBA certificates ​ 639 ​ 694 ​ — ​ — Mortgage-backed securities ​ 7,499 ​ 7,952 ​ 82 ​ 89 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 187,778 ​ $ 201,965 ​ $ 2,102 ​ $ 2,385
Schedule of Investment Securities With Gross Unrealized Losses	Information pertaining to securities with gross unrealized losses at September 30, 2020 and 2019, 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 ​ ​ Positions ​ Value ​ Losses ​ ​ (Dollars in thousands) September 30, 2020: ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ Privately-issued ABS 1 ​ $ 446 ​ $ 5 Municipal bonds 2 ​ ​ 2,444 ​ ​ 56 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 3 ​ 2,890 ​ 61 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ Privately-issued CMO 1 ​ 26 ​ 8 SBA certificates 1 ​ 188 ​ 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 2 ​ 214 ​ 11 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale 5 ​ $ 3,104 ​ $ 72 ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​
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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Gross realized gains on sales ​ $ 17 ​ $ 68 ​ $ 119 Gross realized losses on sales ​ (10) ​ (142) ​ (20) Net realized gain (loss) on sales of available for sale securities and time deposits ​ $ 7 ​ $ (74) ​ $ 99

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Loans and Allowance for Loan Losses
Schedule of Loans	Loans at September 30, 2020 and 2019 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ 2020 2019 ​ ​ ​ (In thousands) Real estate mortgage: ​ ​ 1-4 family residential ​ $ 191,781 ​ $ 197,472 Commercial ​ 141,522 ​ 170,763 Single tenant net lease ​ ​ 334,636 ​ ​ 223,392 SBA ​ ​ 55,508 ​ ​ 46,123 Multifamily residential ​ 42,368 ​ 38,226 Residential construction ​ 9,361 ​ 12,545 Commercial construction ​ 6,941 ​ 3,332 Land and land development ​ 9,403 ​ 10,536 Commercial business ​ 60,513 ​ 53,557 SBA commercial business (1) ​ ​ 206,807 ​ ​ 19,477 Consumer ​ ​ 50,576 ​ ​ 44,661 Total loans ​ 1,109,416 ​ 820,084 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net (2) ​ (2,327) ​ 614 Allowance for loan losses ​ (17,026) ​ (10,040) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,090,063 ​ $ 810,658 ​ (1) Includes $180.6 million of PPP loans at September 30, 2020. (2) Includes $3.2 million of net deferred loan fees related to PPP loans at September 30, 2020.
Summary of Activity for Related Party Loans	The following is a summary of activity for related party loans for the years ended September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Beginning balance ​ $ 9,115 ​ $ 8,231 New loans and advances ​ 8,438 ​ 3,906 Repayments ​ (4,162) ​ (2,875) Loans sold ​ ​ (4,250) ​ ​ — Reclassifications due to officer and director changes ​ (1,425) ​ (147) ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 7,716 ​ $ 9,115
Schedule of Components of Recorded Investment in Loans	(5 – continued) The following table provides the components of the recorded investment in loans as of September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Principal Accrued Net Deferred Recorded ​ ​ Loan ​ Interest ​ Loan Origination ​ Investment Recorded Investment in Loans: ​ Balance ​ Receivable ​ Fees and Costs ​ in Loans ​ ​ (In thousands) Residential real estate ​ $ 191,781 ​ $ 644 ​ $ (156) ​ $ 192,269 Commercial real estate ​ 141,522 ​ 812 ​ (197) ​ 142,137 Single tenant net lease ​ 334,636 ​ 1,198 ​ (234) ​ 335,600 SBA commercial real estate ​ ​ 55,508 ​ ​ 387 ​ ​ 1,082 ​ ​ 56,977 Multifamily ​ 42,368 ​ 139 ​ (37) ​ 42,470 Residential construction ​ ​ 9,361 ​ ​ 25 ​ ​ (28) ​ ​ 9,358 Commercial construction ​ ​ 6,941 ​ ​ 24 ​ ​ (26) ​ ​ 6,939 Land and land development ​ ​ 9,403 ​ ​ 20 ​ ​ (11) ​ ​ 9,412 Commercial business ​ ​ 60,513 ​ ​ 186 ​ ​ 43 ​ ​ 60,742 SBA commercial business ​ 206,807 ​ 975 ​ (2,740) ​ 205,042 Consumer ​ ​ 50,576 ​ ​ 175 ​ ​ (23) ​ ​ 50,728 ​ ​ $ 1,109,416 ​ $ 4,585 ​ $ (2,327) ​ $ 1,111,674 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ Recorded ​ ​ Evaluated for ​ Evaluated for ​ Investment in ​ ​ Impairment Impairment Loans ​ ​ (In thousands) Recorded Investment in Loans as Evaluated for Impairment: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 5,359 ​ $ 186,910 ​ $ 192,269 Commercial real estate ​ ​ 1,134 ​ ​ 141,003 ​ ​ 142,137 Single tenant net lease ​ ​ — ​ ​ 335,600 ​ ​ 335,600 SBA commercial real estate ​ ​ 6,927 ​ ​ 50,050 ​ ​ 56,977 Multifamily ​ ​ 698 ​ ​ 41,772 ​ ​ 42,470 Residential construction ​ ​ — ​ ​ 9,358 ​ ​ 9,358 Commercial construction ​ ​ — ​ ​ 6,939 ​ ​ 6,939 Land and land development ​ ​ 2 ​ ​ 9,410 ​ ​ 9,412 Commercial business ​ ​ 1,670 ​ ​ 59,072 ​ ​ 60,742 SBA commercial business ​ ​ 695 ​ ​ 204,347 ​ ​ 205,042 Consumer ​ ​ 199 ​ ​ 50,529 ​ ​ 50,728 ​ ​ $ 16,684 ​ $ 1,094,990 ​ $ 1,111,674 ​ (5 – continued) The following table provides the components of the recorded investment in loans as of September 30, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Principal ​ Accrued ​ Net Deferred ​ Recorded ​ Loan Interest Loan Origination Investment Recorded Investment in Loans: ​ Balance ​ Receivable ​ Fees and Costs ​ in Loans ​ ​ (In thousands) ​ ​ ​ Residential real estate ​ $ 197,472 ​ $ 609 ​ $ (109) ​ $ 197,972 Commercial real estate ​ ​ 170,763 ​ ​ 612 ​ ​ (231) ​ ​ 171,144 Single tenant net lease ​ 223,392 ​ 752 ​ (138) ​ 224,006 SBA commercial real estate ​ ​ 46,123 ​ ​ 655 ​ ​ 865 ​ ​ 47,643 Multifamily ​ 38,226 ​ 99 ​ (33) ​ 38,292 Residential construction ​ ​ 12,545 ​ ​ 2 ​ ​ (33) ​ ​ 12,514 Commercial construction ​ ​ 3,332 ​ ​ 36 ​ ​ (41) ​ ​ 3,327 Land and land development ​ ​ 10,536 ​ ​ 29 ​ ​ (1) ​ ​ 10,564 Commercial business ​ 53,557 ​ 206 ​ 39 ​ 53,802 SBA commercial business ​ ​ 19,477 ​ ​ 242 ​ ​ 327 ​ ​ 20,046 Consumer ​ ​ 44,661 ​ ​ 87 ​ ​ (31) ​ ​ 44,717 ​ ​ $ 820,084 ​ $ 3,329 ​ $ 614 ​ $ 824,027 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ Recorded ​ ​ Evaluated for ​ Evaluated for ​ Investment in ​ ​ Impairment Impairment Loans ​ ​ (In thousands) Recorded Investment in Loans as Evaluated for Impairment: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 4,448 ​ $ 193,524 ​ $ 197,972 Commercial real estate ​ ​ 5,282 ​ ​ 165,862 ​ ​ 171,144 Single tenant net lease ​ ​ — ​ ​ 224,006 ​ ​ 224,006 SBA commercial real estate ​ ​ 2,365 ​ ​ 45,278 ​ ​ 47,643 Multifamily ​ ​ — ​ ​ 38,292 ​ ​ 38,292 Residential construction ​ ​ — ​ ​ 12,514 ​ ​ 12,514 Commercial construction ​ ​ — ​ ​ 3,327 ​ ​ 3,327 Land and land development ​ ​ — ​ ​ 10,564 ​ ​ 10,564 Commercial business ​ ​ 105 ​ ​ 53,697 ​ ​ 53,802 SBA commercial business ​ ​ — ​ ​ 20,046 ​ ​ 20,046 Consumer ​ ​ 234 ​ ​ 44,483 ​ ​ 44,717 ​ ​ $ 12,434 ​ $ 811,593 ​ $ 824,027
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, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance 2020: ​ (In thousands) Residential real estate $ 30 $ 1,225 $ 1,255 Commercial real estate ​ ​ — ​ ​ 3,058 ​ ​ 3,058 Single tenant net lease ​ ​ — ​ ​ 3,017 ​ ​ 3,017 SBA commercial real estate ​ 1,366 ​ 2,788 ​ 4,154 Multifamily ​ ​ — ​ ​ 772 ​ ​ 772 Residential construction ​ ​ — ​ ​ 243 ​ ​ 243 Commercial construction ​ ​ — ​ ​ 181 ​ ​ 181 Land and land development ​ ​ — ​ ​ 243 ​ ​ 243 Commercial business ​ ​ — ​ ​ 1,449 ​ ​ 1,449 SBA commercial business ​ ​ 47 ​ ​ 1,492 ​ ​ 1,539 Consumer ​ ​ — ​ ​ 1,115 ​ ​ 1,115 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,443 ​ $ 15,583 ​ $ 17,026 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2019: ​ ​ ​ Residential real estate ​ $ 10 ​ $ 307 ​ $ 317 Commercial real estate ​ ​ — ​ ​ 2,540 ​ ​ 2,540 Single tenant net lease ​ — ​ 1,675 ​ 1,675 SBA commercial real estate ​ ​ 512 ​ ​ 1,781 ​ ​ 2,293 Multifamily ​ ​ — ​ ​ 478 ​ ​ 478 Residential construction ​ ​ — ​ ​ 248 ​ ​ 248 Commercial construction ​ ​ — ​ ​ 67 ​ ​ 67 Land and land development ​ ​ — ​ ​ 209 ​ ​ 209 Commercial business ​ ​ — ​ ​ 889 ​ ​ 889 SBA commercial business ​ ​ — ​ ​ 750 ​ ​ 750 Consumer ​ ​ 23 ​ ​ 551 ​ ​ 574 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 545 ​ $ 9,495 ​ $ 10,040 ​ (5 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ ​ ​ ​ ​ Ending ​ ​ Balance ​ Provisions ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2020: ​ ​ ​ ​ ​ Residential real estate ​ $ 317 ​ $ 945 ​ $ (36) ​ $ 29 ​ $ 1,255 Commercial real estate ​ 2,540 ​ 614 ​ (102) ​ 6 ​ 3,058 Single tenant net lease ​ ​ 1,675 ​ ​ 1,342 ​ ​ — ​ ​ — ​ ​ 3,017 SBA commercial real estate ​ ​ 2,293 ​ ​ 2,175 ​ ​ (360) ​ ​ 46 ​ ​ 4,154 Multifamily ​ ​ 478 ​ ​ 294 ​ ​ — ​ ​ — ​ ​ 772 Residential construction ​ ​ 248 ​ ​ (5) ​ ​ — ​ ​ — ​ ​ 243 Commercial construction ​ ​ 67 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 181 Land and land development ​ ​ 209 ​ ​ 28 ​ ​ — ​ ​ 6 ​ ​ 243 Commercial business ​ ​ 889 ​ ​ 567 ​ ​ (38) ​ ​ 31 ​ ​ 1,449 SBA commercial business ​ 750 ​ 1,109 ​ (396) ​ 76 ​ 1,539 Consumer ​ 574 ​ 779 ​ (238) ​ — ​ 1,115 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 10,040 ​ $ 7,962 ​ $ (1,170) ​ $ 194 ​ $ 17,026 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2019: ​ ​ ​ ​ ​ Residential real estate ​ $ 278 ​ $ 30 ​ $ (21) ​ $ 30 ​ $ 317 Commercial real estate ​ 2,493 ​ 45 ​ — ​ 2 ​ 2,540 Single tenant net lease ​ ​ 2,843 ​ ​ (1,168) ​ ​ — ​ ​ — ​ ​ 1,675 SBA commercial real estate ​ ​ 1,581 ​ ​ 1,286 ​ ​ (574) ​ ​ — ​ ​ 2,293 Multifamily ​ ​ 195 ​ ​ 283 ​ ​ — ​ ​ — ​ ​ 478 Residential construction ​ ​ 388 ​ ​ (140) ​ ​ — ​ ​ — ​ ​ 248 Commercial construction ​ ​ 96 ​ ​ (29) ​ ​ — ​ ​ — ​ ​ 67 Land and land development ​ ​ 210 ​ ​ (1) ​ ​ — ​ ​ — ​ ​ 209 Commercial business ​ ​ 647 ​ ​ 237 ​ ​ (8) ​ ​ 13 ​ ​ 889 SBA commercial business ​ 394 ​ 427 ​ (71) ​ — ​ 750 Consumer ​ 198 ​ 493 ​ (174) ​ 57 ​ 574 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 9,323 ​ $ 1,463 ​ $ (848) ​ $ 102 ​ $ 10,040 ​ (5 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended September 30, 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ Provisions ​ Charge-Offs ​ Recoveries ​ Ending Balance ​ ​ (In thousands) 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 252 ​ $ 18 ​ $ (98) ​ $ 106 ​ $ 278 Commercial real estate ​ ​ 2,342 ​ ​ 151 ​ ​ — ​ ​ — ​ ​ 2,493 Single tenant net lease ​ ​ 2,696 ​ ​ 147 ​ ​ — ​ ​ — ​ ​ 2,843 SBA commercial real estate ​ ​ 826 ​ ​ 755 ​ ​ — ​ ​ — ​ ​ 1,581 Multifamily ​ ​ 106 ​ ​ 89 ​ ​ — ​ ​ — ​ ​ 195 Residential construction ​ ​ 347 ​ ​ 41 ​ ​ — ​ ​ — ​ ​ 388 Commercial construction ​ ​ 338 ​ ​ (242) ​ ​ — ​ ​ — ​ ​ 96 Land and land development ​ ​ 223 ​ ​ (13) ​ ​ — ​ ​ — ​ ​ 210 Commercial business ​ ​ 625 ​ ​ 10 ​ ​ — ​ ​ 12 ​ ​ 647 SBA commercial business ​ ​ 214 ​ ​ 180 ​ ​ — ​ ​ — ​ ​ 394 Consumer ​ ​ 123 ​ ​ 217 ​ ​ (223) ​ ​ 81 ​ ​ 198 ​ ​ $ 8,092 ​ $ 1,353 ​ $ (321) ​ $ 199 ​ $ 9,323
Schedule of Impaired Loans Individually Evaluated for Impairment	(5 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2020. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Investment ​ Balance ​ Allowance ​ Investment ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 5,185 ​ $ 5,697 ​ $ — ​ $ 5,411 ​ $ 127 Commercial real estate ​ 1,134 ​ 1,185 ​ — ​ 3,914 ​ 167 Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 1,245 ​ ​ 1,178 ​ ​ — ​ ​ 586 ​ ​ — Multifamily ​ ​ 698 ​ ​ 700 ​ ​ — ​ ​ 421 ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ 2 ​ 1 ​ — ​ 1 ​ — Commercial business ​ 1,670 ​ 1,675 ​ — ​ 745 ​ 1 SBA commercial business ​ 322 ​ 416 ​ — ​ 250 ​ — Consumer ​ 61 ​ 63 ​ — ​ 72 ​ 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 10,317 ​ $ 10,915 ​ $ — ​ $ 11,400 ​ $ 298 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 174 ​ $ 175 ​ $ 30 ​ $ 59 ​ $ — Commercial real estate ​ — ​ — ​ — ​ 20 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 5,682 ​ ​ 6,086 ​ ​ 1,366 ​ ​ 5,048 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ 328 ​ — SBA commercial business ​ 373 ​ 399 ​ 47 ​ 143 ​ — Consumer ​ 138 ​ 138 ​ — ​ 154 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 6,367 ​ $ 6,798 ​ $ 1,443 ​ $ 5,752 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 5,359 ​ $ 5,872 ​ $ 30 ​ $ 5,470 ​ $ 127 Commercial real estate ​ 1,134 ​ 1,185 ​ — ​ 3,934 ​ 167 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 6,927 ​ ​ 7,264 ​ ​ 1,366 ​ ​ 5,634 ​ ​ — Multifamily ​ ​ 698 ​ ​ 700 ​ ​ — ​ ​ 421 ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ 2 ​ 1 ​ — ​ 1 ​ — Commercial business ​ 1,670 ​ 1,675 ​ — ​ 1,073 ​ 1 SBA commercial business ​ 695 ​ 815 ​ 47 ​ 393 ​ — Consumer ​ 199 ​ 201 ​ — ​ 226 ​ 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 16,684 ​ $ 17,713 ​ $ 1,443 ​ $ 17,152 ​ $ 298 ​ (5 – continued) 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 ​ ​ 5,282 ​ ​ 5,264 ​ ​ — ​ ​ 6,225 ​ ​ 305 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 119 ​ ​ 144 ​ ​ — ​ ​ 112 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 6 ​ — Commercial business ​ 105 ​ 106 ​ — ​ 183 ​ 7 SBA commercial business ​ — ​ — ​ — ​ 32 ​ — 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 ​ — ​ — ​ — ​ 10 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,246 ​ ​ 2,637 ​ ​ 512 ​ ​ 2,116 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ 10 ​ — SBA commercial business ​ — ​ — ​ — ​ 18 ​ — 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 ​ ​ 5,282 ​ ​ 5,264 ​ ​ — ​ ​ 6,235 ​ ​ 305 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,365 ​ ​ 2,781 ​ ​ 512 ​ ​ 2,228 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 6 ​ — Commercial business ​ 105 ​ 106 ​ — ​ 193 ​ 7 SBA commercial business ​ — ​ — ​ — ​ 50 ​ — Consumer ​ 234 ​ 236 ​ 23 ​ 264 ​ 4 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 12,434 ​ $ 13,361 ​ $ 545 ​ $ 14,135 ​ $ 431 ​ (5 – continued) 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 ​ 6,435 ​ 6,569 ​ — ​ 6,683 ​ 312 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 133 ​ ​ 146 ​ ​ — ​ ​ 11 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ 27 ​ 28 ​ — ​ 29 ​ — Commercial business ​ 231 ​ 241 ​ — ​ 316 ​ 13 SBA commercial business ​ — ​ — ​ — ​ — ​ — 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 ​ 70 ​ 117 ​ 5 ​ 9 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 1,081 ​ ​ 1,176 ​ ​ 487 ​ ​ 247 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ — ​ — SBA 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 ​ 6,505 ​ 6,686 ​ 5 ​ 6,692 ​ 312 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 1,214 ​ ​ 1,322 ​ ​ 487 ​ ​ 258 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ 27 ​ 28 ​ — ​ 29 ​ — Commercial business ​ 231 ​ 241 ​ — ​ 316 ​ 13 SBA commercial business ​ — ​ — ​ — ​ — ​ — Consumer ​ 243 ​ 251 ​ 12 ​ 257 ​ 4 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,327 ​ $ 14,095 ​ $ 511 ​ $ 12,949 ​ $ 471
Schedule of Nonperforming Loans	(5 – continued) 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, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2020 ​ At September 30, 2019 ​ ​ ​ 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 ​ $ 2,797 ​ $ — ​ $ 2,797 ​ $ 2,580 ​ $ 12 ​ $ 2,592 Commercial real estate ​ 685 ​ — ​ 685 ​ 60 ​ — ​ 60 Single tenant net lease ​ — ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 6,927 ​ ​ — ​ ​ 6,927 ​ ​ 2,365 ​ ​ — ​ ​ 2,365 Multifamily ​ ​ 698 ​ ​ — ​ ​ 698 ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ 2 ​ — ​ 2 ​ — ​ — ​ — Commercial business ​ 1,668 ​ — ​ 1,668 ​ — ​ — ​ — SBA commercial business ​ 695 ​ — ​ 695 ​ — ​ — ​ — Consumer ​ 143 ​ — ​ 143 ​ 163 ​ — ​ 163 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 13,615 ​ $ — ​ $ 13,615 ​ $ 5,168 ​ $ 12 ​ $ 5,180
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, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 60-89 90+ ​ ​ ​ ​ ​ ​ ​ ​ Days ​ Days ​ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) Residential real estate ​ $ 1,693 ​ $ 480 ​ $ 1,631 ​ $ 3,804 ​ $ 188,465 ​ $ 192,269 Commercial real estate ​ 109 ​ — ​ 685 ​ 794 ​ 141,343 ​ 142,137 Single tenant net lease ​ — ​ — ​ — ​ — ​ 335,600 ​ 335,600 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 1,874 ​ ​ 1,874 ​ ​ 55,103 ​ ​ 56,977 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 42,470 ​ ​ 42,470 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9,358 ​ ​ 9,358 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 6,939 ​ ​ 6,939 Land and land development ​ — ​ — ​ 2 ​ 2 ​ 9,410 ​ 9,412 Commercial business ​ 63 ​ — ​ — ​ 63 ​ 60,679 ​ 60,742 SBA commercial business ​ 373 ​ — ​ 322 ​ 695 ​ 204,347 ​ 205,042 Consumer ​ 233 ​ 59 ​ 4 ​ 296 ​ 50,432 ​ 50,728 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 2,471 ​ $ 539 ​ $ 4,518 ​ $ 7,528 ​ $ 1,104,146 ​ $ 1,111,674 ​ (5 – continued) The following table presents the aging of the recorded investment in past due loans at September 30, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 60-89 90+ ​ ​ ​ ​ ​ ​ ​ ​ Days ​ Days ​ 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 ​ $ 194,655 ​ $ 197,972 Commercial real estate ​ — ​ 102 ​ — ​ 102 ​ 171,042 ​ 171,144 Single tenant net lease ​ — ​ — ​ — ​ — ​ 224,006 ​ 224,006 SBA commercial real estate ​ ​ 892 ​ ​ 670 ​ ​ 1,523 ​ ​ 3,085 ​ ​ 44,558 ​ ​ 47,643 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 38,292 ​ ​ 38,292 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 12,514 ​ ​ 12,514 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 3,327 ​ ​ 3,327 Land and land development ​ — ​ — ​ — ​ — ​ 10,564 ​ 10,564 Commercial business ​ 44 ​ — ​ — ​ 44 ​ 53,758 ​ 53,802 SBA commercial business ​ 138 ​ — ​ — ​ 138 ​ 19,908 ​ 20,046 Consumer ​ 77 ​ 17 ​ 19 ​ 113 ​ 44,604 ​ 44,717 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 2,770 ​ $ 1,366 ​ $ 2,663 ​ $ 6,799 ​ $ 817,228 ​ $ 824,027
Schedule of Investment in Loans by Risk Category	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) September 30, 2020: ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 188,707 ​ $ — ​ $ 3,435 ​ $ 127 ​ $ — ​ $ 192,269 Commercial real estate ​ 133,685 ​ 4,112 ​ 4,340 ​ — ​ — ​ 142,137 Single tenant net lease ​ ​ 335,600 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 335,600 SBA commercial real estate ​ ​ 38,124 ​ ​ 6,518 ​ ​ 12,335 ​ ​ — ​ ​ — ​ ​ 56,977 Multifamily ​ ​ 41,772 ​ ​ — ​ ​ 698 ​ ​ — ​ ​ — ​ ​ 42,470 Residential construction ​ ​ 9,358 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9,358 Commercial construction ​ ​ 6,939 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 6,939 Land and land development ​ ​ 9,410 ​ ​ — ​ ​ 2 ​ ​ — ​ ​ — ​ ​ 9,412 Commercial business ​ 58,707 ​ 235 ​ 1,800 ​ — ​ — ​ 60,742 SBA commercial business ​ 200,578 ​ 294 ​ 4,170 ​ — ​ — ​ 205,042 Consumer ​ 50,701 ​ — ​ 27 ​ — ​ — ​ 50,728 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,073,581 ​ $ 11,159 ​ $ 26,807 ​ $ 127 ​ $ — ​ $ 1,111,674 ​ The following table presents the recorded investment in loans by risk category as of September 30, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) September 30, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 193,967 ​ $ — ​ $ 3,946 ​ $ 59 ​ $ — ​ $ 197,972 Commercial real estate ​ 167,029 ​ 102 ​ 4,013 ​ — ​ — ​ 171,144 Single tenant net lease ​ 224,006 ​ — ​ — ​ — ​ — ​ 224,006 SBA commercial real estate ​ 38,397 ​ 802 ​ 8,444 ​ — ​ — ​ 47,643 Multifamily ​ 37,823 ​ — ​ 469 ​ — ​ — ​ 38,292 Residential construction ​ 12,514 ​ — ​ — ​ — ​ — ​ 12,514 Commercial construction ​ 3,327 ​ — ​ — ​ — ​ — ​ 3,327 Land and land development ​ 10,564 ​ — ​ — ​ — ​ — ​ 10,564 Commercial business ​ 51,479 ​ — ​ 2,323 ​ — ​ — ​ 53,802 SBA commercial business ​ 19,571 ​ — ​ 475 ​ — ​ — ​ 20,046 Consumer ​ 44,618 ​ — ​ 97 ​ 2 ​ — ​ 44,717 Total ​ $ 803,295 ​ $ 904 ​ $ 19,767 ​ $ 61 ​ $ — ​ $ 824,027
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, 2020 and 2019. There was $538,000 of specific reserve included in the allowance for loan losses related to TDRs at September 30, 2020. 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, 2020: ​ ​ ​ Residential real estate ​ $ 2,562 ​ $ 116 ​ $ 2,678 Commercial real estate ​ ​ 449 ​ ​ 512 ​ ​ 961 SBA commercial real estate ​ — ​ 3,800 ​ 3,800 Multifamily ​ ​ — ​ ​ 698 ​ ​ 698 Commercial business ​ 2 ​ 1,668 ​ 1,670 Consumer ​ 56 ​ — ​ 56 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,069 ​ $ 6,794 ​ $ 9,863 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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
Schedule of Troubled Debt Restructurings	(5 – continued) There were no TDRs that were restructured during the year ended September 30, 2019.The following table summarizes information in regard to TDRs that were restructured during the years ended September 30, 2020 and 2018. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pre- Post- ​ ​ ​ ​ Modification ​ Modification ​ ​ Number of ​ Principal ​ Principal ​ ​ Loans ​ Balance ​ Balance ​ ​ ​ ​ (Dollars in thousands) September 30, 2020: ​ ​ Residential real estate 1 ​ $ 1,099 ​ $ 1,100 SBA commercial real estate 1 ​ 3,832 ​ 3,832 Multifamily 2 ​ 700 ​ 700 Commercial business 9 ​ 1,737 ​ 1,737 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 13 ​ $ 7,368 ​ $ 7,369 ​ ​ ​ ​ ​ ​ ​ ​ ​ 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
Schedule Of Loan Servicing Fees [Table Text Block]	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Late fees and ancillary fees earned ​ $ 54 ​ $ 41 ​ $ 17 Net servicing income ​ 1,806 ​ 1,245 ​ 863 SBA net servicing fees ​ $ 1,860 ​ $ 1,286 ​ $ 880
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, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Balance as of October 1 ​ $ 148 ​ $ 177 ​ $ — Additions (reductions) charged to earnings ​ (116) ​ 113 ​ 177 Write-downs charged against allowance ​ — ​ (142) ​ — Balance as of September 30 ​ $ 32 ​ $ 148 ​ $ 177
SBA Loan Servicing Rights [Member]
Loans and Allowance for Loan Losses
Schedule of Loan Servicing Rights	An analysis of SBA loan servicing rights for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Balance as of October 1 ​ $ 3,030 ​ $ 2,405 ​ $ 1,389 Servicing rights capitalized ​ 1,450 ​ 1,334 ​ 1,565 Amortization ​ (848) ​ (596) ​ (372) Direct write-offs ​ — ​ (142) ​ — Change in valuation allowance ​ 116 ​ 29 ​ (177) Balance as of September 30 ​ $ 3,748 ​ $ 3,030 ​ $ 2,405
Schedule of Key Assumptions Used to Estimate The Fair Value	​ ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2020 2019 Discount rate 3.58% to 19.86% (8.36%) 6.82% to 26.61% (11.11%) Prepayment rate 8.69% to 26.68% (17.46%) 6.80% to 21.17% (14.10%)
Mortgage Servicing Rights [Member]
Loans and Allowance for Loan Losses
Schedule of Loan Servicing Rights		Changes in the carrying value of MSRs accounted for at fair value for the years ended September 30, 2020 and 2019 were as follows: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Fair value as of October 1 ​ $ 934 ​ $ — Servicing rights capitalized ​ ​ 24,058 ​ ​ 940 Changes in fair value related to: ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (1,542) ​ ​ (6) Changes in valuation model inputs or assumptions ​ ​ (1,747) ​ ​ — Fair value as of September 30 ​ $ 21,703 ​ $ 934
Schedule of Key Assumptions Used to Estimate The Fair Value	​ ​ ​ ​ ​ Assumption ​ Range of Assumption (Weighted Average) ​ 2020 2019 Discount rate ​ 9.25% ​ 9.25% Prepayment rate ​ 2.99% to 86.98% (18.08%) ​ 4.42% to 72.79% (18.75%)

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Sep. 30, 2020
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	Premises and equipment consisted of the following at September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Land and land improvements ​ $ 4,071 ​ $ 2,816 Office buildings ​ 20,062 ​ 17,575 Leasehold improvements ​ 66 ​ 61 Furniture, fixtures and equipment ​ ​ 8,036 ​ ​ 6,596 Construction in progress ​ 1,057 ​ 1,193 ​ ​ 33,292 ​ 28,241 Less: accumulated depreciation ​ (8,880) ​ (9,003) ​ ​ ​ ​ ​ ​ ​ Totals ​ $ 24,412 ​ $ 19,238 ​ Depreciation expense recognized for premises and equipment for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Depreciation expense ​ $ 1,576 ​ $ 1,305 ​ $ 920

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Sep. 30, 2020
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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Balance as of October 1 ​ $ 1,893 ​ $ 103 ​ $ 852 Acquired from FNBO ​ — ​ — ​ 31 Transfers from loans to other real estate owned ​ — ​ 114 ​ 133 Transfers from premises and equipment to REO ​ — ​ 1,893 ​ — Direct write-downs ​ — ​ — ​ (63) Sales ​ (165) ​ (217) ​ (827) Other adjustments ​ — ​ — ​ (23) Balance as of September 30 ​ $ 1,728 ​ $ 1,893 ​ $ 103
Schedule Of Gain Loss On Other Real Estate Owned	Net (gain) loss on other real estate owned for the years ended September 30, 2020, 2019 and 2018 was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Net gain on sales ​ $ (16) ​ $ (78) ​ $ (278) Direct write-downs ​ — ​ — ​ 63 Operating expenses, net of rental income ​ 15 ​ 21 ​ 55 ​ ​ $ (1) ​ $ (57) ​ $ (160)

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	12 Months Ended
	Sep. 30, 2020
GOODWILL AND OTHER INTANGIBLES
Changes in Carrying Amount of Goodwill	The changes in the carrying amount of goodwill for the years ended September 30, 2020, 2019 and 2018 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Beginning balance ​ $ 9,848 ​ $ 9,848 ​ $ 7,936 Acquisition of Dearmin/FNBO ​ — ​ — ​ 1,912 Ending balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848
Summary Of Other Intangible Assets	The following is a summary of other intangible assets subject to amortization: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 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 ​ (3,592) ​ (3,378) Ending balance ​ $ 1,202 ​ $ 1,416
Schedule Of Intangible Assets Amortization Expenses	Amortization expense on intangibles for the years ended September 30, 2020, 2019 and 2018 is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Amortization expense ​ $ 214 ​ $ 312 ​ $ 453
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) 2021 ​ $ 214 2022 ​ 214 2023 ​ 214 2024 ​ 163 2025 ​ 163 2026 and thereafter ​ 234 Total ​ $ 1,202

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Sep. 30, 2020
DEPOSITS
Schedule of deposits	Deposits at September 30, 2020 and 2019 consisted of the following: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Noninterest-bearing demand deposits ​ $ 242,673 ​ $ 173,072 NOW accounts ​ 218,581 ​ 173,746 Money market accounts ​ 143,867 ​ 121,281 Savings accounts ​ 142,609 ​ 120,393 Retail time deposits ​ 168,276 ​ 146,227 Brokered time deposits ​ 54,688 ​ 99,665 Reciprocal time deposits ​ ​ 77,382 ​ ​ — ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,048,076 ​ $ 834,384
Schedule Of Maturities Of Certificates Of Deposit	At September 30, 2020, scheduled maturities of time deposits were as follows: ​ ​ ​ ​ Years ending September 30: (In thousands) 2021 ​ $ 248,406 2022 ​ 25,022 2023 ​ 9,145 2024 ​ 8,906 2025 ​ 8,867 Total ​ $ 300,346

REPURCHASE AGREEMENTS (Tables)

REPURCHASE AGREEMENTS (Tables)	12 Months Ended
	Sep. 30, 2020
Retail Repurchase Agreements [Member]
Borrowings Under Repurchase Agreements	Information concerning borrowings under retail repurchase agreements as of and for the years ended September 30,2020, 2019 and 2018 is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 2020 2019 2018 Weighted average interest rate during the year ​ — % ​ 0.25 % ​ 0.25 % Average balance during the year ​ ​ — ​ $ 1,075 ​ $ 1,350 ​ Maximum month-end balance during the year ​ — ​ 1,354 ​ 1,352 ​

BORROWINGS FROM FEDERAL HOME _2

BORROWINGS FROM FEDERAL HOME LOAN BANK (Tables)	12 Months Ended
	Sep. 30, 2020
BORROWINGS FROM FEDERAL HOME LOAN BANK
Borrowings from the FHLB	At September 30, 2020 and 2019 borrowings from the FHLB were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2020 ​ 2019 ​ Weighted ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ ​ Average ​ ​ ​ (Dollars in thousands) ​ Rate ​ Amount ​ Rate ​ Amount Advances maturing in: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2020 — % $ — 1.88 % $ 40,000 2021 1.26 ​ 40,000 2.12 ​ 30,000 2022 2.01 ​ 10,000 2.01 ​ 10,000 2023 — ​ — — ​ — 2024 2.02 ​ 50,000 2.02 ​ 50,000 2025 and beyond 0.85 ​ 190,000 0.91 ​ 80,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total advances ​ 290,000 ​ 210,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Line of credit balance 0.50 ​ 20,858 2.33 ​ 12,544 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total borrowings from FHLB ​ $ 310,858 ​ $ 222,544

DEFERRED COMPENSATION PLANS (Ta

DEFERRED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2020
Director [Member]
Schedule of Deferred Directors Fees Expense	Deferred compensation expense for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Deferred compensation expense (income) ​ $ (4) ​ $ 80 ​ $ 51
Officer [Member]
Schedule of Deferred Directors Fees Expense	Deferred directors’ fees expense for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Deferred directors’ fee expense ​ $ 187 ​ $ 263 ​ $ 224

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Sep. 30, 2020
BENEFIT PLANS
Schedule of Defined Benefit Plans Disclosures	Company contributions to the plan for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Company contributions to the plan ​ $ 1,420 ​ $ 762 ​ $ 576

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2020
STOCK-BASED COMPENSATION PLANS
Schedule of Compensation Cost for Share-based Payment Arrangements, Allocation of Share-based Compensation Costs by Plan	Stock based compensation expense related to stock options and restricted stock for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Stock option expense ​ $ 86 ​ $ 72 ​ $ 68 Restricted stock expense ​ 193 ​ 173 ​ 148
Schedule of fair value of options granted	The fair value of options granted during the years ended September 30, 2020, 2019 and 2018 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, 2020, 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 84,806 ​ $ 34.13 ​ Granted 11,958 ​ 66.35 ​ Exercised (28,361) ​ 14.01 ​ Forfeited or expired — ​ — ​ Outstanding at end of year 68,403 ​ $ 48.11 6.9 ​ $ 659,000 Vested and expected to vest 68,403 ​ $ 48.11 6.9 ​ $ 659,000 Exercisable at end of year 30,027 ​ $ 42.91 6.3 ​ $ 377,000
Schedule of nonvested restricted shares activity	A summary of the Company’s nonvested restricted shares activity as of September 30, 2020 and changes during the year then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ Number ​ Average ​ ​ of ​ Grant Date ​ ​ Shares ​ Fair Value Nonvested at October 1, 2019 13,458 ​ $ 44.62 Granted 1,436 ​ $ 66.35 Vested (4,086) ​ $ 43.24 Forfeited — ​ $ — Nonvested at September 30, 2020 10,808 ​ $ 48.04

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Sep. 30, 2020
INCOME TAXES
Components of Income Tax Expense	The components of consolidated income tax expense were as follows for the years ended September 30, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Current ​ $ 8,295 ​ $ 2,493 ​ $ 1,753 Valuation allowance ​ 193 ​ 166 ​ 102 Deferred ​ 4,173 ​ 436 ​ 567 Income tax expense ​ $ 12,661 ​ $ 3,095 ​ $ 2,422
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 years ended September 30, 2020 and 2019, and the blended federal statutory rate of 24.5% for the year ended September 30, 2018 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Provision at federal statutory rate ​ $ 9,816 ​ $ 4,219 ​ $ 3,616 State income tax-net of federal tax benefit ​ 1,815 ​ 327 ​ 110 Federal tax rate change – 2017 Tax Cut and Jobs Act ​ — ​ — ​ (145) Tax-exempt interest income ​ (962) ​ (890) ​ (917) Bank owned life insurance ​ (154) ​ (111) ​ (104) Captive insurance net premiums ​ (295) ​ (223) ​ (208) Increase in federal deferred tax valuation allowance ​ 193 ​ 166 ​ 102 Nondeductible officer compensation ​ 2,373 ​ — ​ — Other ​ (125) ​ (393) ​ (32) Income tax expense ​ $ 12,661 ​ $ 3,095 ​ $ 2,422
Deferred Tax Assets And Liabilities	Significant components of deferred tax assets and liabilities at September 30, 2020 and 2019 are as follows: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Deferred tax assets: ​ ​ Allowance for loan losses ​ $ 2,833 ​ $ 1,681 Operating lease liability ​ 1,882 ​ — Deferred compensation plans ​ 409 ​ 391 Equity incentive plans ​ 45 ​ 48 Other-than-temporary impairment loss on available for sale securities ​ 28 ​ 27 Interest on nonaccrual loans ​ 191 ​ 111 Loss on tax credit investments ​ 1,673 ​ 1,418 Deferred loan fees and costs, net ​ 166 ​ 138 Investment in subsidiary ​ 584 ​ 493 Other ​ 423 ​ 65 Gross deferred tax assets ​ 8,234 ​ 4,372 Valuation allowance ​ (1,681) ​ (1,412) Net deferred tax assets ​ 6,553 ​ 2,960 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Unrealized gain on securities available for sale ​ (2,980) ​ (2,017) Accumulated depreciation ​ (1,611) ​ (690) Operating lease right of use asset ​ ​ (1,854) ​ ​ — Installment sale ​ (378) ​ (314) Acquisition purchase accounting adjustments ​ (789) ​ (777) Mortgage servicing rights ​ (5,401) ​ (223) FHLB stock dividends ​ (88) ​ (84) Prepaid expenses ​ (609) ​ (515) Other ​ (67) ​ (107) Deferred tax liabilities ​ (13,777) ​ (4,727) ​ ​ ​ ​ ​ ​ ​ Net deferred tax liability ​ $ (7,224) ​ $ (1,767)

OPERATING LEASES (Tables)

OPERATING LEASES (Tables)	12 Months Ended
	Sep. 30, 2020
OPERATING LEASES
Schedule of components of lease	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Operating lease cost ​ $ 1,294 ​ $ 527 ​ $ 227 Short-term lease cost ​ ​ 644 ​ ​ 679 ​ ​ 235 ​ ​ $ 1,938 ​ $ 1,206 ​ $ 462
Schedule of future minimum commitments due under the lease agreements	Future minimum commitments due under these lease agreements as of September 30, 2020 are as follows, including renewal options that are reasonably certain to be exercised: ​ ​ ​ ​ Years ending September 30: (In thousands) 2021 ​ $ 1,337 2022 ​ 1,158 2023 ​ 890 2024 ​ 758 2025 ​ 536 Thereafter ​ 5,528 Total lease payments ​ 10,207 Less imputed interest ​ (2,194) Total ​ $ 8,013 ​
Schedule of Lessor Future Minimum Lease Payments	​ ​ ​ ​ Years ending September 30: (In thousands) 2021 $ 584 2022 ​ 507 2023 ​ 461 2024 ​ 461 2025 ​ 346 2026 and thereafter ​ — Total $ 2,359
Schedule of lease term and discount rate	The lease term and discount rate at September 30, 2020 were as follows: ​ ​ ​ ​ ​ Weighted-average remaining lease term (years) 18.5 ​ Weighted-average discount rate ​ 2.35 %
Schedule of supplemental cash flow information related to leases	Supplemental cash flow information for the year ended September 30, 2020 related to leases was as follows: (In thousands) ​ ​ ​ ​ Cash paid for amounts included in the measurement of lease liabilities: ​ ​ Operating cash flows from operating leases ​ $ 1,221 ROU assets obtained in exchange for lease obligations: ​ ​ ​ Operating leases ​ ​ 9,083

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Sep. 30, 2020
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, 2020 and 2019. Interest rate lock commitments that meet the definition of a derivative are excluded from these totals. ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Loan commitments: ​ ​ Fixed rate ​ $ 12,547 ​ $ 28,079 Adjustable rate ​ 25,512 ​ 22,546 ​ ​ ​ ​ ​ ​ ​ Guarantees of third-party revolving credit ​ 182 ​ 157 Undisbursed portion of home equity lines of credit ​ 33,567 ​ 32,269 Undisbursed portion of commercial and personal lines of credit ​ 40,136 ​ 35,718 Undisbursed portion of construction loans in process ​ 18,735 ​ 23,182 Total commitments to extend credit ​ $ 130,679 ​ $ 141,951

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Sep. 30, 2020
DERIVATIVE FINANCIAL INSTRUMENTS
Schedule of Derivative financial instruments	The table below provides information on the Company’s derivative financial instruments as of September 30, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2020: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 793,671 ​ $ 14,937 ​ $ — Forward mortgage loan sale contracts ​ 605,750 ​ 226 ​ 1,827 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,399,421 ​ $ 15,163 ​ $ 1,827 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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
Schedule of Income (loss) related to derivative financial instruments	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, 2020, 2019 and 2018, is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Interest rate lock commitments ​ $ 11,668 ​ $ 2,889 ​ $ 380 Forward mortgage loan sale contracts ​ (22,412) ​ (3,462) ​ 37 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ (10,744) ​ $ (573) ​ $ 417

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Sep. 30, 2020
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, 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) September 30, 2020: ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ Agency mortgage-backed ​ $ — ​ $ 7,952 ​ $ — ​ $ 7,952 Agency CMO ​ — ​ 9,805 ​ — ​ 9,805 Privately-issued CMO ​ — ​ 958 ​ — ​ 958 Privately-issued ABS ​ — ​ 960 ​ — ​ 960 SBA certificates ​ — ​ 694 ​ — ​ 694 Municipal bonds ​ — ​ 181,596 ​ — ​ 181,596 Total securities available for sale ​ $ — ​ $ 201,965 ​ $ — ​ $ 201,965 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 208,493 ​ $ — ​ $ 208,493 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative assets (included in other assets) ​ $ — ​ $ 226 ​ $ 14,937 ​ $ 15,163 Equity securities (included in other assets) ​ $ 66 ​ $ — ​ $ — ​ $ 66 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 21,703 ​ $ 21,703 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 1,827 ​ $ — ​ $ 1,827 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 5,329 ​ $ 5,329 Commercial real estate ​ ​ — ​ ​ — ​ ​ 1,134 ​ ​ 1,134 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 5,561 ​ ​ 5,561 Multifamily ​ — ​ — ​ 698 ​ 698 Land and land development ​ — ​ — ​ 2 ​ 2 Commercial business ​ — ​ — ​ 1,670 ​ 1,670 SBA commercial business ​ ​ — ​ ​ — ​ ​ 648 ​ ​ 648 Consumer ​ — ​ — ​ 199 ​ 199 Total impaired loans ​ $ — ​ $ — ​ $ 15,241 ​ $ 15,241 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale – fair value option not elected ​ $ — ​ $ 54,913 ​ $ — ​ $ 54,913 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loans held for sale ​ $ — ​ $ 22,119 ​ $ — ​ $ 22,119 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loan servicing rights ​ $ — ​ $ — ​ $ 3,748 ​ $ 3,748 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other real estate owned, held for sale: ​ ​ ​ ​ Former bank premises ​ $ — ​ $ — ​ $ 1,728 ​ $ 1,728 Total other real estate owned ​ $ — ​ $ — ​ $ 1,728 ​ $ 1,728 ​ (22 – continued) The table below presents the balances of financial assets measured at fair value on a recurring and nonrecurring basis as of September 30, 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) 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 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 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 ​ — ​ — ​ 5,282 ​ 5,282 SBA commercial real estate ​ — ​ — ​ 1,853 ​ 1,853 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
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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Beginning balance ​ $ 3,269 ​ $ 380 ​ $ — Unrealized gains recognized in earnings, net of settlements ​ 11,668 ​ 2,889 ​ 380 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 14,937 ​ $ 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, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2020 Range of Inputs 2019 Range of Inputs Financial Instrument Unobservable Inputs (Weighted Average) ​ (Weighted Average) Interest rate lock commitments Pull-through rate 0% - 100% (80%) ​ 55% - 100% (79.24%) ​ ​ Direct costs to close ​ 0.31%-1.01% (0.52%) ​ 1%
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 years ended September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 Beginning balance $ 934 ​ ​ — Issuances (loans sold with servicing retained) ​ 24,058 ​ ​ 940 Net settlements ​ (1,542) ​ ​ (6) Unrealized gains (losses) included in earnings ​ (1,747) ​ ​ — ​ ​ ​ ​ ​ ​ ​ Ending balance $ 21,703 ​ ​ 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, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2020 ​ 2019 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument Inputs (Weighted Average) (Weighted Average) MSRs Discount rate ​ 9.25% 9.25% ​ Prepayment rate ​ 2.99% - 86.98% (18.08%) 4.42% - 72.79% (18.75%)
Schedule of Provisions for loan losses recognized for impaired loans	The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance 2020: ​ (In thousands) Residential real estate $ 30 $ 1,225 $ 1,255 Commercial real estate ​ ​ — ​ ​ 3,058 ​ ​ 3,058 Single tenant net lease ​ ​ — ​ ​ 3,017 ​ ​ 3,017 SBA commercial real estate ​ 1,366 ​ 2,788 ​ 4,154 Multifamily ​ ​ — ​ ​ 772 ​ ​ 772 Residential construction ​ ​ — ​ ​ 243 ​ ​ 243 Commercial construction ​ ​ — ​ ​ 181 ​ ​ 181 Land and land development ​ ​ — ​ ​ 243 ​ ​ 243 Commercial business ​ ​ — ​ ​ 1,449 ​ ​ 1,449 SBA commercial business ​ ​ 47 ​ ​ 1,492 ​ ​ 1,539 Consumer ​ ​ — ​ ​ 1,115 ​ ​ 1,115 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,443 ​ $ 15,583 ​ $ 17,026 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2019: ​ ​ ​ Residential real estate ​ $ 10 ​ $ 307 ​ $ 317 Commercial real estate ​ ​ — ​ ​ 2,540 ​ ​ 2,540 Single tenant net lease ​ — ​ 1,675 ​ 1,675 SBA commercial real estate ​ ​ 512 ​ ​ 1,781 ​ ​ 2,293 Multifamily ​ ​ — ​ ​ 478 ​ ​ 478 Residential construction ​ ​ — ​ ​ 248 ​ ​ 248 Commercial construction ​ ​ — ​ ​ 67 ​ ​ 67 Land and land development ​ ​ — ​ ​ 209 ​ ​ 209 Commercial business ​ ​ — ​ ​ 889 ​ ​ 889 SBA commercial business ​ ​ — ​ ​ 750 ​ ​ 750 Consumer ​ ​ 23 ​ ​ 551 ​ ​ 574 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 545 ​ $ 9,495 ​ $ 10,040 ​ (5 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ ​ ​ ​ ​ Ending ​ ​ Balance ​ Provisions ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2020: ​ ​ ​ ​ ​ Residential real estate ​ $ 317 ​ $ 945 ​ $ (36) ​ $ 29 ​ $ 1,255 Commercial real estate ​ 2,540 ​ 614 ​ (102) ​ 6 ​ 3,058 Single tenant net lease ​ ​ 1,675 ​ ​ 1,342 ​ ​ — ​ ​ — ​ ​ 3,017 SBA commercial real estate ​ ​ 2,293 ​ ​ 2,175 ​ ​ (360) ​ ​ 46 ​ ​ 4,154 Multifamily ​ ​ 478 ​ ​ 294 ​ ​ — ​ ​ — ​ ​ 772 Residential construction ​ ​ 248 ​ ​ (5) ​ ​ — ​ ​ — ​ ​ 243 Commercial construction ​ ​ 67 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 181 Land and land development ​ ​ 209 ​ ​ 28 ​ ​ — ​ ​ 6 ​ ​ 243 Commercial business ​ ​ 889 ​ ​ 567 ​ ​ (38) ​ ​ 31 ​ ​ 1,449 SBA commercial business ​ 750 ​ 1,109 ​ (396) ​ 76 ​ 1,539 Consumer ​ 574 ​ 779 ​ (238) ​ — ​ 1,115 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 10,040 ​ $ 7,962 ​ $ (1,170) ​ $ 194 ​ $ 17,026 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2019: ​ ​ ​ ​ ​ Residential real estate ​ $ 278 ​ $ 30 ​ $ (21) ​ $ 30 ​ $ 317 Commercial real estate ​ 2,493 ​ 45 ​ — ​ 2 ​ 2,540 Single tenant net lease ​ ​ 2,843 ​ ​ (1,168) ​ ​ — ​ ​ — ​ ​ 1,675 SBA commercial real estate ​ ​ 1,581 ​ ​ 1,286 ​ ​ (574) ​ ​ — ​ ​ 2,293 Multifamily ​ ​ 195 ​ ​ 283 ​ ​ — ​ ​ — ​ ​ 478 Residential construction ​ ​ 388 ​ ​ (140) ​ ​ — ​ ​ — ​ ​ 248 Commercial construction ​ ​ 96 ​ ​ (29) ​ ​ — ​ ​ — ​ ​ 67 Land and land development ​ ​ 210 ​ ​ (1) ​ ​ — ​ ​ — ​ ​ 209 Commercial business ​ ​ 647 ​ ​ 237 ​ ​ (8) ​ ​ 13 ​ ​ 889 SBA commercial business ​ 394 ​ 427 ​ (71) ​ — ​ 750 Consumer ​ 198 ​ 493 ​ (174) ​ 57 ​ 574 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 9,323 ​ $ 1,463 ​ $ (848) ​ $ 102 ​ $ 10,040 ​ (5 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended September 30, 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ Provisions ​ Charge-Offs ​ Recoveries ​ Ending Balance ​ ​ (In thousands) 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 252 ​ $ 18 ​ $ (98) ​ $ 106 ​ $ 278 Commercial real estate ​ ​ 2,342 ​ ​ 151 ​ ​ — ​ ​ — ​ ​ 2,493 Single tenant net lease ​ ​ 2,696 ​ ​ 147 ​ ​ — ​ ​ — ​ ​ 2,843 SBA commercial real estate ​ ​ 826 ​ ​ 755 ​ ​ — ​ ​ — ​ ​ 1,581 Multifamily ​ ​ 106 ​ ​ 89 ​ ​ — ​ ​ — ​ ​ 195 Residential construction ​ ​ 347 ​ ​ 41 ​ ​ — ​ ​ — ​ ​ 388 Commercial construction ​ ​ 338 ​ ​ (242) ​ ​ — ​ ​ — ​ ​ 96 Land and land development ​ ​ 223 ​ ​ (13) ​ ​ — ​ ​ — ​ ​ 210 Commercial business ​ ​ 625 ​ ​ 10 ​ ​ — ​ ​ 12 ​ ​ 647 SBA commercial business ​ ​ 214 ​ ​ 180 ​ ​ — ​ ​ — ​ ​ 394 Consumer ​ ​ 123 ​ ​ 217 ​ ​ (223) ​ ​ 81 ​ ​ 198 ​ ​ $ 8,092 ​ $ 1,353 ​ $ (321) ​ $ 199 ​ $ 9,323
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, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Charges to write down SBA loan servicing rights ​ $ (116) ​ $ 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, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Charges to write down other real estate owned ​ $ — ​ $ — ​ $ 63
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, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2020: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 208,493 ​ $ 198,138 ​ $ 10,355 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2019: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 80,457 ​ $ 77,787 ​ $ 2,670
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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2020 2019 2018 Gains – included in mortgage banking income ​ $ 7,504 ​ $ 2,492 ​ $ 257 Interest income ​ 7,256 ​ 1,516 ​ 376 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 14,760 ​ $ 4,008 ​ $ 633 ​
Schedule of carrying value and estimated fair value of financial instruments and the level within the fair value hierarchy in which the fair value measurements fall	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, 2020 and 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements ​ ​ Carrying ​ Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) September 30, 2020: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 12,807 ​ $ 12,807 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 20,919 ​ 20,919 ​ — ​ — Interest-bearing time deposits ​ 2,964 ​ — ​ 2,964 ​ — Securities available for sale ​ 201,965 ​ — ​ 201,965 ​ — Securities held to maturity ​ 2,102 ​ — ​ 2,385 ​ — Residential mortgage loans held for sale ​ 263,406 ​ — ​ 263,519 ​ — SBA loans held for sale ​ ​ 22,119 ​ ​ — ​ ​ 24,666 ​ ​ — Loans, net ​ 1,090,063 ​ — ​ — ​ 1,152,962 FRB and FHLB stock ​ 17,293 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 6,462 ​ — ​ 6,462 ​ — SBA loan servicing rights ​ 3,748 ​ — ​ — ​ 3,934 Residential mortgage loan servicing rights ​ ​ 21,703 ​ ​ — ​ ​ — ​ ​ 21,703 Derivative assets (included in other assets) ​ 15,163 ​ — ​ 226 ​ 14,937 Equity securities (included in other assets) ​ ​ 66 ​ ​ 66 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ Deposits ​ 1,048,076 ​ — ​ — ​ 1,050,569 Borrowings from FHLB ​ 310,858 ​ — ​ 310,766 ​ — Subordinated note ​ 19,797 ​ — ​ 23,788 ​ — Federal Reserve PPPLF borrowings ​ 174,834 ​ — ​ 174,808 ​ — Accrued interest payable ​ 683 ​ — ​ 683 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 2,615 ​ ​ — ​ ​ 2,615 ​ ​ — Derivative liabilities (included in other liabilities) ​ 1,827 ​ — ​ 1,827 ​ — ​ (22 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements ​ ​ Carrying ​ Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) 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 ​ 3,030 ​ — ​ — ​ 3,030 Residential mortgage loan servicing rights ​ ​ 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 ​ — ​ — ​ 835,384 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 ​ —
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Schedule of Provisions for loan losses recognized for impaired loans	Provisions for loan losses recognized for impaired loans for the years ended September 30, 2020, 2019 and 2018 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2020 2019 2018 Provision for loan losses recognized ​ $ 2,424 ​ $ 860 ​ $ 573

CAPITAL REQUIREMENTS AND REST_2

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Tables)	12 Months Ended
	Sep. 30, 2020
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Schedule Of Actual capital amounts and ratios	The Company’s and Bank’s actual capital amounts and ratios are also presented in the table. 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 the Bank’s required disclosures in the table below. No amount was deducted from capital for interest-rate risk at either date. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ for Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes ​ Action Provisions: (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 168,617 13.37 % $ 100,929 8.00 % ​ N/A N/A ​ Bank ​ 160,452 12.75 % 100,672 8.00 % $ 125,840 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 133,520 10.58 % $ 75,697 6.00 % N/A N/A ​ Bank ​ 145,152 11.53 % 75,504 6.00 % $ 100,672 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 133,520 10.58 % $ 56,773 4.50 % N/A N/A ​ Bank ​ 145,152 11.53 % 56,428 4.50 % $ 81,796 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 133,520 8.53 % $ 62,617 4.00 % N/A N/A ​ Bank ​ 145,152 9.37 % 61,966 4.00 % $ 77,458 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 %

SUPPLEMENTAL DISCLOSURE FOR E_2

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE (Tables)	12 Months Ended
	Sep. 30, 2020
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Schedule of net income per share information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands, except share and per share data) 2020 2019 2018 Basic: ​ ​ ​ Earnings: ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 33,354 ​ $ 16,177 ​ $ 10,902 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 2,356,680 ​ 2,315,697 ​ 2,258,020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 14.15 ​ $ 6.99 ​ $ 4.83 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ Earnings: ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 33,354 ​ $ 16,177 ​ $ 10,902 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 2,356,680 ​ 2,315,697 ​ 2,258,020 Add: Dilutive effect of outstanding options ​ 16,180 ​ 50,623 ​ 107,274 Add: Dilutive effect of restricted stock ​ 3,094 ​ 5,764 ​ 7,260 Weighted average common shares outstanding, as adjusted ​ 2,375,954 ​ 2,372,084 ​ 2,372,554 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 14.04 ​ $ 6.82 ​ $ 4.60

PARENT COMPANY CONDENSED FINA_2

PARENT COMPANY CONDENSED FINANCIAL INFORMATION (Tables)	12 Months Ended
	Sep. 30, 2020
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
Condensed Balance Sheet Information	Balance Sheets ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, (In thousands) 2020 2019 Assets: ​ ​ Cash and due from banks ​ $ 4,762 ​ $ 6,474 Other assets ​ 988 ​ 816 Investment in subsidiaries ​ 171,871 ​ 133,760 ​ ​ $ 177,621 ​ $ 141,050 ​ ​ ​ ​ ​ ​ ​ Liabilities and Equity: ​ ​ Subordinated note ​ $ 19,797 ​ $ 19,729 Accrued expenses ​ 552 ​ 268 Stockholders’ equity ​ 157,272 ​ 121,053 ​ ​ $ 177,621 ​ $ 141,050
Condensed Income Statement Information	Statements of Income ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2020 2019 2018 Dividend income from subsidiaries ​ $ 1,000 ​ $ 750 ​ $ 9,875 Interest expense ​ (1,274) ​ (1,277) ​ (33) Other operating expenses ​ (1,002) ​ (882) ​ (921) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before income taxes and equity in undistributed net income of subsidiaries ​ (1,276) ​ (1,409) ​ 8,921 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income tax benefit ​ 598 ​ 747 ​ 408 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before equity in undistributed net income of subsidiaries ​ (678) ​ (662) ​ 9,329 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ 34,032 ​ 16,839 ​ 1,573 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 33,354 ​ $ 16,177 ​ $ 10,902
Condensed Cash Flow Statement Information	Statements of Cash Flows ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2020 2019 2018 Operating Activities: ​ ​ ​ Net income ​ $ 33,354 ​ $ 16,177 ​ $ 10,902 Adjustments to reconcile net income to net cash provided by (used in) operating activities: ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ (34,032) ​ (16,839) ​ (1,573) Stock compensation expense ​ 279 ​ 246 ​ 217 Net change in other assets and liabilities ​ 182 ​ (184) ​ (162) Net cash provided by (used in) operating activities ​ (217) ​ (600) ​ 9,384 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investing Activities: ​ ​ ​ Acquisition of Dearmin ​ — ​ — ​ (9,148) Investment in bank subsidiary ​ — ​ (2,000) ​ (10,000) Proceeds from maturities of interest-bearing time deposits ​ — ​ — ​ 10 Net cash used in investing activities ​ — ​ (2,000) ​ (19,138) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financing Activities: ​ ​ ​ Net proceeds from subordinated note ​ — ​ — ​ 19,661 Exercise of stock options ​ 148 ​ 408 ​ 362 Tax paid on stock award shares for employees ​ (53) ​ (32) ​ (46) Dividends paid ​ (1,590) ​ (1,472) ​ (1,343) Net cash provided by (used in) financing activities ​ (1,495) ​ (1,096) ​ 18,634 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net increase (decrease) in cash and due from banks ​ (1,712) ​ (3,696) ​ 8,880 Cash and due from banks at beginning of year ​ 6,474 ​ 10,170 ​ 1,290 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks at end of year ​ $ 4,762 ​ $ 6,474 ​ $ 10,170

SUPPLEMENTAL DISCLOSURE OF CA_2

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION (Tables)	12 Months Ended
	Sep. 30, 2020
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Schedule Of supplemental disclosures of cash flow information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2020 2019 2018 Cash payments for: ​ ​ ​ Interest ​ $ 10,817 ​ $ 10,729 ​ $ 5,873 Income taxes (net of refunds received) ​ 3,971 ​ 1,572 ​ 1,759 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-cash activities: ​ ​ ​ Transfers from loans to loans held for sale ​ ​ 15,916 ​ ​ — ​ ​ — Transfers from loans to other real estate owned ​ — ​ 114 ​ 133 Proceeds from sales of other real estate owned financed through loans ​ — ​ 112 ​ 453 Cashless exercise of stock options ​ 249 ​ 542 ​ 387 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, 2020
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Quarterly Financial Information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2020: ​ ​ ​ ​ Interest income ​ $ 13,767 ​ $ 13,693 ​ $ 15,344 ​ $ 17,125 Interest expense ​ 2,875 ​ 2,783 ​ 2,543 ​ 2,337 Net interest income ​ 10,892 ​ 10,910 ​ 12,801 ​ 14,788 Provision for loan losses ​ 505 ​ 1,705 ​ 2,980 ​ 2,772 Net interest income after provision for loan losses ​ 10,387 ​ 9,205 ​ 9,821 ​ 12,016 Noninterest income ​ 18,126 ​ 10,994 ​ 46,337 ​ 55,664 Noninterest expenses ​ 24,272 ​ 22,075 ​ 35,009 ​ 44,452 Income (loss) before income taxes ​ 4,241 ​ (1,876) ​ 21,149 ​ 23,228 Income tax expense (benefit) ​ 638 ​ (774) ​ 5,540 ​ 7,257 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) ​ 3,603 ​ (1,102) ​ 15,609 ​ 15,971 Net income (loss) attributable to noncontrolling interest in subsidiary ​ 164 ​ (475) ​ 204 ​ 834 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) attributable to First Savings Financial Group, Inc. ​ $ 3,439 ​ $ (627) ​ $ 15,405 ​ $ 15,137 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, basic ​ $ 1.47 ​ $ (0.27) ​ $ 6.51 ​ $ 6.40 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, diluted ​ $ 1.44 ​ $ (0.26) ​ $ 6.51 ​ $ 6.39 ​ (28 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Sep. 30, 2020
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, 2020: ​ ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 39,408 ​ $ 5,911 ​ $ 5,276 ​ $ (1,204) ​ $ 49,391 Provision for loan losses ​ 4,636 ​ 3,326 ​ — ​ — ​ 7,962 Net interest income (loss) after provision ​ ​ 34,772 ​ ​ 2,585 ​ ​ 5,276 ​ ​ (1,204) ​ ​ 41,429 Net gains on sales of loans, SBA ​ — ​ 5,673 ​ — ​ — ​ 5,673 Mortgage banking income ​ ​ 8 ​ ​ — ​ ​ 117,844 ​ ​ — ​ ​ 117,852 Noninterest income ​ ​ 5,905 ​ ​ 6,751 ​ ​ 118,465 ​ ​ — ​ ​ 131,121 Noninterest expense (income) ​ ​ 29,772 ​ ​ 7,853 ​ ​ 88,573 ​ ​ (390) ​ ​ 125,808 Income (loss) before taxes ​ ​ 10,905 ​ ​ 1,483 ​ ​ 35,168 ​ ​ (814) ​ ​ 46,742 Income tax expense (benefit) ​ 2,265 ​ 189 ​ 10,793 ​ (586) ​ 12,661 Segment profit (loss) ​ 8,640 ​ 1,294 ​ 24,375 ​ (228) ​ 34,081 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 1,558 ​ 51 ​ 181 ​ 68 ​ 1,858 Segment assets at September 30, 2020 ​ 1,459,467 ​ 283,994 ​ 293,973 ​ (272,809) ​ 1,764,625 ​ (29 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ Consolidated (In thousands) Banking Lending Banking ​ Other Totals Year Ended September 30, 2019: ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 36,524 ​ $ 4,145 ​ $ 636 ​ $ (1,216) ​ $ 40,089 Provision (credit) for loan losses ​ ​ (242) ​ ​ 1,705 ​ ​ — ​ ​ — ​ ​ 1,463 Net interest income (loss) after provision ​ ​ 36,766 ​ ​ 2,440 ​ ​ 636 ​ ​ (1,216) ​ ​ 38,626 Net gains on sales of loans, SBA ​ — ​ 4,569 ​ — ​ — ​ 4,569 Mortgage banking income ​ ​ 33 ​ ​ — ​ ​ 32,974 ​ ​ — ​ ​ 33,007 Noninterest income ​ ​ 5,650 ​ ​ 5,182 ​ ​ 33,022 ​ ​ — ​ ​ 43,854 Noninterest expense ​ ​ 28,852 ​ ​ 5,953 ​ ​ 27,760 ​ ​ (175) ​ ​ 62,390 Income (loss) before taxes ​ ​ 13,564 ​ ​ 1,669 ​ ​ 5,898 ​ ​ (1,041) ​ ​ 20,090 Income tax expense (benefit) ​ ​ 2,143 ​ ​ 213 ​ ​ 1,475 ​ ​ (736) ​ ​ 3,095 Segment profit (loss) ​ ​ 11,421 ​ ​ 1,456 ​ ​ 4,423 ​ ​ (305) ​ ​ 16,995 Noncash items: ​ ​ ​ ​ ​ Depreciation and amortization ​ 1,467 ​ 49 ​ 100 ​ 68 ​ 1,684 Segment assets at September 30, 2019 ​ 1,124,526 ​ 84,661 ​ 88,645 ​ (75,253) ​ 1,222,579 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ ​ Consolidated (In thousands) Banking Lending Banking ​ Other Totals ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended September 30, 2018: ​ ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 32,436 ​ $ 3,012 ​ $ 376 ​ $ (2) ​ $ 35,822 Provision (credit) for loan losses ​ (69) ​ 1,422 ​ — ​ — ​ ​ 1,353 Net interest income (loss) after provision ​ 32,505 ​ 1,590 ​ 376 ​ (2) ​ ​ 34,469 Net gains on sales of loans, SBA ​ — ​ 5,493 ​ — ​ — ​ ​ 5,493 Mortgage banking income ​ 587 ​ — ​ 1,731 ​ — ​ ​ 2,318 Noninterest income ​ 5,752 ​ 5,812 ​ 1,731 ​ — ​ ​ 13,295 Noninterest expense ​ 25,622 ​ 4,434 ​ 2,872 ​ 78 ​ ​ 33,006 Income (loss) before taxes ​ 12,635 ​ 2,968 ​ (765) ​ (80) ​ ​ 14,758 Income tax expense (benefit) ​ ​ 2,615 ​ ​ 424 ​ ​ (214) ​ ​ (403) ​ ​ 2,422 Segment profit (loss) ​ ​ 10,020 ​ ​ 2,544 ​ ​ (551) ​ ​ 323 ​ ​ 12,336 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 1,309 ​ ​ 50 ​ ​ 14 ​ ​ — ​ ​ 1,373 Segment assets at September 30, 2018 ​ ​ 1,014,301 ​ ​ 66,970 ​ ​ 10,834 ​ ​ (57,699) ​ ​ 1,034,406

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Sep. 30, 2020
REVENUE FROM CONTRACTS WITH CUSTOMERS
Schedule of sources of noninterest income	Substantially 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, 2020, 2019 and 2018: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended ​ ​ September 30, (In thousands) 2020 ​ 2019 2018 ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 1,581 ​ $ 1,957 ​ $ 1,731 ATM and interchange fees ​ 2,116 ​ ​ 1,949 ​ 1,580 Investment advisory income ​ 288 ​ ​ 324 ​ 550 Other ​ 101 ​ ​ 137 ​ 139 Revenue from contracts with customers ​ 4,086 ​ ​ 4,367 ​ 4,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gain (loss) on securities ​ 7 ​ ​ (74) ​ 99 Gain on sale of SBA loans ​ 5,673 ​ ​ 4,569 ​ 5,493 Mortgage banking income ​ 117,852 ​ ​ 33,007 ​ 2,318 Increase in cash value of life insurance ​ 732 ​ ​ 580 ​ 430 Real estate lease income ​ 589 ​ ​ 594 ​ 5 Other ​ 2,182 ​ ​ 811 ​ 950 Other noninterest income ​ 127,035 ​ ​ 39,487 ​ 9,295 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 131,121 ​ $ 43,854 ​ $ 13,295

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)	12 Months Ended
	Sep. 30, 2020	Oct. 01, 2019	Sep. 30, 2019
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%
Allowance for loan losses	$ 17,026,000		$ 10,040,000
Allowance for loan losses, qualitative factor adjustments	14,800,000		9,000,000
Allowance for loan losses, COVID-19 qualitative factor adjustments	4,600,000
Operating Lease, Right-of-Use Asset	7,900,000
Operating Lease, Liability	8,013,000
Retained Earnings (Accumulated Deficit)	123,158,000		91,228,000
Adjustment
Retained Earnings (Accumulated Deficit)	$ 4,600,000		4,600,000
ASU 2016-02 | Adjustment
Operating Lease, Right-of-Use Asset		$ 6,200,000
Operating Lease, Liability		6,300,000
Retained Earnings (Accumulated Deficit)		$ 166,000
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	$ 22,100,000		$ 15,600,000
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, 2020	Sep. 30, 2019	Sep. 30, 2018	Feb. 09, 2018	Sep. 30, 2017
Goodwill arising in the acquisition	$ 9,848	$ 9,848	$ 9,848		$ 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 ($)	Feb. 09, 2018	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Goodwill		$ 9,848,000	$ 9,848,000	$ 9,848,000	$ 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		$ 0	$ 0	$ 1,300,000
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, 2020	Sep. 30, 2019	Sep. 30, 2018
RESTRICTION ON CASH AND DUE FROM BANKS
Restricted Cash and Cash Equivalents	$ 10.6	$ 20.3	$ 17.4

INVESTMENT SECURITIES - Trading

INVESTMENT SECURITIES - Trading Account Securities - Net Gains (Details) - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Trading Account Securities
Net realized gain on sales			$ 43,000
Net gain on trading account securities	$ 0	$ 0	$ 43,000

INVESTMENT SECURITIES - Fair Va

INVESTMENT SECURITIES - Fair Value to Amortized Cost (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Securities Available for Sale
Amortized Cost	$ 187,778	$ 167,955
Gross Unrealized Gain	14,259	9,391
Gross Unrealized Losses	72	44
Fair Value	201,965	177,302
Held to Maturity Securities
Amortized Cost	2,102	2,336
Gross Unrealized Gain	283	334
Gross Unrealized Losses	0	0
Fair Value	2,385	2,670
Agency mortgage-backed
Securities Available for Sale
Amortized Cost	7,499	13,743
Gross Unrealized Gain	453	366
Gross Unrealized Losses	0	12
Fair Value	7,952	14,097
Held to Maturity Securities
Amortized Cost	82	102
Gross Unrealized Gain	7	7
Gross Unrealized Losses	0	0
Fair Value	89	109
Agency CMO
Securities Available for Sale
Amortized Cost	9,398	8,834
Gross Unrealized Gain	407	221
Gross Unrealized Losses	0	7
Fair Value	9,805	9,048
Privately-issued CMO
Securities Available for Sale
Amortized Cost	886	1,242
Gross Unrealized Gain	80	142
Gross Unrealized Losses	8	2
Fair Value	958	1,382
Privately-issued ABS
Securities Available for Sale
Amortized Cost	884	1,022
Gross Unrealized Gain	81	156
Gross Unrealized Losses	5	0
Fair Value	960	1,178
SBA certificates
Securities Available for Sale
Amortized Cost	639	1,119
Gross Unrealized Gain	58	41
Gross Unrealized Losses	3	6
Fair Value	694	1,154
Municipal
Securities Available for Sale
Amortized Cost	168,472	141,995
Gross Unrealized Gain	13,180	8,465
Gross Unrealized Losses	56	17
Fair Value	181,596	150,443
Held to Maturity Securities
Amortized Cost	2,020	2,234
Gross Unrealized Gain	276	327
Gross Unrealized Losses	0	0
Fair Value	$ 2,296	$ 2,561

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Fair Value by Contractual Maturity - Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Available for Sale - Amortized Cost
Due within one year	$ 4,845
Due after one year through five years	29,929
Due after five years through ten years	27,453
Due after ten years	106,245
Amortized Cost	187,778	$ 167,955
Available for Sale - Fair Value
Due within one year	4,933
Due after one year through five years	31,229
Due after five years through ten years	29,605
Due after ten years	115,829
Fair Value	201,965	177,302
Municipal
Available for Sale - Amortized Cost
Amortized Cost	168,472	141,995
Available for Sale - Fair Value
Fair Value	181,596	150,443
CMO
Available for Sale - Amortized Cost
Without single maturity date	10,284
Available for Sale - Fair Value
Without single maturity date	10,763
ABS
Available for Sale - Amortized Cost
Without single maturity date	884
Available for Sale - Fair Value
Without single maturity date	960
SBA certificates
Available for Sale - Amortized Cost
Without single maturity date	639
Amortized Cost	639	1,119
Available for Sale - Fair Value
Without single maturity date	694
Fair Value	694	$ 1,154
Mortgage-backed securities
Available for Sale - Amortized Cost
Without single maturity date	7,499
Available for Sale - Fair Value
Without single maturity date	$ 7,952

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Fair Value by Contractual Maturity - Held to Maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Held to Maturity - Amortized Cost
Due within one year	$ 247
Due after one year through five years	1,019
Due after five years through ten years	683
Due after ten years	71
Amortized Cost	2,102	$ 2,336
Held to Maturity - Fair Value
Due within one year	277
Due after one year through five years	1,153
Due after five years through ten years	784
Due after ten years	82
Fair Value	2,385	2,670
Municipal
Held to Maturity - Amortized Cost
Amortized Cost	2,020	2,234
Held to Maturity - Fair Value
Fair Value	2,296	$ 2,561
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	82
Held to Maturity - Fair Value
Without single maturity date	$ 89

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investment Securities With Gross Unrealized Losses (Details) $ in Thousands	Sep. 30, 2020USD ($)item	Sep. 30, 2019USD ($)item
Fair Value
Continuous loss position less than twelve months	$ 2,890	$ 4,904
Continuous loss position more than twelve months	214	2,365
Total securities available for sale	$ 3,104	$ 7,269
Number of Investment Positions
Continuous loss position less than twelve months | item	3	7
Continuous loss position more than twelve months | item	2	7
Total securities available for sale | item	5	14
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 61	$ 18
Continuous loss position more than twelve months	11	26
Total securities available for sale	72	44
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months		1,248
Continuous loss position more than twelve months		$ 785
Number of Investment Positions
Continuous loss position less than twelve months | item		3
Continuous loss position more than twelve months | item		2
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 1
Continuous loss position more than twelve months		11
Agency CMO
Fair Value
Continuous loss position less than twelve months		1,962
Continuous loss position more than twelve months		$ 956
Number of Investment Positions
Continuous loss position less than twelve months | item		1
Continuous loss position more than twelve months | item		2
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 1
Continuous loss position more than twelve months		6
Privately-issued CMO
Fair Value
Continuous loss position more than twelve months	26	$ 33
Number of Investment Positions
Continuous loss position more than twelve months | item		1
Gross Unrealized Losses
Continuous loss position more than twelve months	8	$ 2
Privately-issued ABS
Fair Value
Continuous loss position less than twelve months	$ 446
Number of Investment Positions
Continuous loss position less than twelve months | item	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 5
SBA certificates
Fair Value
Continuous loss position more than twelve months	188	$ 451
Number of Investment Positions
Continuous loss position more than twelve months | item		1
Gross Unrealized Losses
Continuous loss position more than twelve months	3	$ 6
Municipal
Fair Value
Continuous loss position less than twelve months	$ 2,444	1,694
Continuous loss position more than twelve months		$ 140
Number of Investment Positions
Continuous loss position less than twelve months | item	2	3
Continuous loss position more than twelve months | item		1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 56	$ 16
Continuous loss position more than twelve months		$ 1

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, 2020	Sep. 30, 2019	Sep. 30, 2018
Gross Realized Gain and Losses
Gross realized gains on sales	$ 17	$ 68	$ 119
Gross realized losses on sales	(10)	(142)	(20)
Net realized gain (loss) on sales of available for sale securities and time deposits	$ 7	$ (74)	$ 99

INVESTMENT SECURITIES - Additio

INVESTMENT SECURITIES - Additional Information (Details)	12 Months Ended
	Sep. 30, 2020USD ($)item	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)
Debt and Equity Securities, FV-NI [Line Items]
Available for sale debt securities in loss position, depreciation percentage	1.56%
Continuous loss position more than twelve months | item	2	7
Gross realized gains on sales	$ 17,000	$ 68,000	$ 119,000
Gross realized losses on sales	$ (10,000)	(142,000)	(20,000)
Other than Temporary Impairment Losses, Investments			95,000
Weighted Average Yield Of Available For Sale Securities In Loss Positions	1.42%
Trading gains (losses) on investment securities	$ 0	$ 0	$ 43,000
Debt Securities [Member]
Debt and Equity Securities, FV-NI [Line Items]
Available for sale debt securities in loss position, depreciation percentage	2.27%
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	$ 918,000
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	$ 986,000
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	2.78%
Privately-issued CMO
Debt and Equity Securities, FV-NI [Line Items]
Continuous loss position more than twelve months | item		1
Investments, Fair Value Disclosure	$ 472,000
Privately-issued ABS
Debt and Equity Securities, FV-NI [Line Items]
Total unrealized loss	$ 13,000

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loans (Details) - USD ($)	Sep. 30, 2020	Sep. 30, 2019
Loans and Allowance for Loan Losses
Gross loans	$ 1,109,416,000	$ 820,084,000
Deferred loan origination fees and costs, net (2)	(2,327,000)	614,000
Allowance for loan losses	(17,026,000)	(10,040,000)
Loans, net	1,090,063,000	810,658,000
Other Financial Institutions [Member]
Loans and Allowance for Loan Losses
Loans, net	245,000	339,000
Commercial real estate [Member]
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net (2)	(197,000)	(231,000)
Single tenant net lease
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net (2)	(234,000)	(138,000)
Multifamily
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net (2)	(37,000)	(33,000)
Residential Construction
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net (2)	(28,000)	(33,000)
Commercial Construction
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net (2)	(26,000)	(41,000)
Land and land development
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net (2)	(11,000)	(1,000)
SBA commercial business
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net (2)	(2,740,000)	327,000
Consumer
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net (2)	(23,000)	(31,000)
Pay Check Protection Program [Member]
Loans and Allowance for Loan Losses
Gross loans	180,600,000
Deferred loan origination fees and costs, net (2)	3,200,000
Real estate mortgage [Member] | One To Four Family [Member]
Loans and Allowance for Loan Losses
Gross loans	191,781,000	197,472,000
Real estate mortgage [Member] | Commercial real estate [Member]
Loans and Allowance for Loan Losses
Gross loans	141,522,000	170,763,000
Real estate mortgage [Member] | Single tenant net lease
Loans and Allowance for Loan Losses
Gross loans	334,636,000	223,392,000
Real estate mortgage [Member] | SBA
Loans and Allowance for Loan Losses
Gross loans	55,508,000	46,123,000
Real estate mortgage [Member] | Multifamily
Loans and Allowance for Loan Losses
Gross loans	42,368,000	38,226,000
Real estate mortgage [Member] | Residential Construction
Loans and Allowance for Loan Losses
Gross loans	9,361,000	12,545,000
Real estate mortgage [Member] | Commercial Construction
Loans and Allowance for Loan Losses
Gross loans	6,941,000	3,332,000
Real estate mortgage [Member] | Land and land development
Loans and Allowance for Loan Losses
Gross loans	9,403,000	10,536,000
Real estate mortgage [Member] | Commercial business
Loans and Allowance for Loan Losses
Gross loans	60,513,000	53,557,000
Real estate mortgage [Member] | SBA commercial business
Loans and Allowance for Loan Losses
Gross loans	206,807,000	19,477,000
Real estate mortgage [Member] | Consumer
Loans and Allowance for Loan Losses
Gross loans	$ 50,576,000	$ 44,661,000

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, 2020	Sep. 30, 2019
LOANS AND ALLOWANCE FOR LOAN LOSSES
Beginning balance	$ 9,115	$ 8,231
New loans and advances	8,438	3,906
Repayments	(4,162)	(2,875)
Loans sold	(4,250)
Reclassifications due to officer and director changes	(1,425)	(147)
Ending balance	7,716	9,115
Off Balance Sheet Commitments to Related Parties	$ 2,600	$ 2,400

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Components of Recorded Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Recorded Investment in Loans:
Principal loan balance	$ 1,109,416	$ 820,084
Accrued interest receivable	4,585	3,329
Net deferred loan origination fees and costs	(2,327)	614
Recorded investment in loans	1,111,674	824,027
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	16,684	12,434
Collectively evaluated for impairment	1,094,990	811,593
Ending balance	1,111,674	824,027
Residential real estate [Member]
Recorded Investment in Loans:
Principal loan balance	191,781	197,472
Accrued interest receivable	644	609
Net deferred loan origination fees and costs	(156)	(109)
Recorded investment in loans	192,269	197,972
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	5,359	4,448
Collectively evaluated for impairment	186,910	193,524
Ending balance	192,269	197,972
Commercial real estate [Member]
Recorded Investment in Loans:
Principal loan balance	141,522	170,763
Accrued interest receivable	812	612
Net deferred loan origination fees and costs	(197)	(231)
Recorded investment in loans	142,137	171,144
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,134	5,282
Collectively evaluated for impairment	141,003	165,862
Ending balance	142,137	171,144
Single tenant net lease
Recorded Investment in Loans:
Principal loan balance	334,636	223,392
Accrued interest receivable	1,198	752
Net deferred loan origination fees and costs	(234)	(138)
Recorded investment in loans	335,600	224,006
Recorded Investment in Loans as Evaluated for Impairment:
Collectively evaluated for impairment	335,600	224,006
Ending balance	335,600	224,006
SBA Commercial Real Estate
Recorded Investment in Loans:
Principal loan balance	55,508	46,123
Accrued interest receivable	387	655
Net deferred loan origination fees and costs	1,082	865
Recorded investment in loans	56,977	47,643
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	6,927	2,365
Collectively evaluated for impairment	50,050	45,278
Ending balance	56,977	47,643
Multifamily
Recorded Investment in Loans:
Principal loan balance	42,368	38,226
Accrued interest receivable	139	99
Net deferred loan origination fees and costs	(37)	(33)
Recorded investment in loans	42,470	38,292
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	698
Collectively evaluated for impairment	41,772	38,292
Ending balance	42,470	38,292
Residential Construction
Recorded Investment in Loans:
Principal loan balance	9,361	12,545
Accrued interest receivable	25	2
Net deferred loan origination fees and costs	(28)	(33)
Recorded investment in loans	9,358	12,514
Recorded Investment in Loans as Evaluated for Impairment:
Collectively evaluated for impairment	9,358	12,514
Ending balance	9,358	12,514
Commercial Construction
Recorded Investment in Loans:
Principal loan balance	6,941	3,332
Accrued interest receivable	24	36
Net deferred loan origination fees and costs	(26)	(41)
Recorded investment in loans	6,939	3,327
Recorded Investment in Loans as Evaluated for Impairment:
Collectively evaluated for impairment	6,939	3,327
Ending balance	6,939	3,327
Land and land development
Recorded Investment in Loans:
Principal loan balance	9,403	10,536
Accrued interest receivable	20	29
Net deferred loan origination fees and costs	(11)	(1)
Recorded investment in loans	9,412	10,564
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	2
Collectively evaluated for impairment	9,410	10,564
Ending balance	9,412	10,564
Commercial business
Recorded Investment in Loans:
Principal loan balance	60,513	53,557
Accrued interest receivable	186	206
Net deferred loan origination fees and costs	43	39
Recorded investment in loans	60,742	53,802
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,670	105
Collectively evaluated for impairment	59,072	53,697
Ending balance	60,742	53,802
SBA commercial business
Recorded Investment in Loans:
Principal loan balance	206,807	19,477
Accrued interest receivable	975	242
Net deferred loan origination fees and costs	(2,740)	327
Recorded investment in loans	205,042	20,046
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	695
Collectively evaluated for impairment	204,347	20,046
Ending balance	205,042	20,046
Consumer
Recorded Investment in Loans:
Principal loan balance	50,576	44,661
Accrued interest receivable	175	87
Net deferred loan origination fees and costs	(23)	(31)
Recorded investment in loans	50,728	44,717
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	199	234
Collectively evaluated for impairment	50,529	44,483
Ending balance	$ 50,728	$ 44,717

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, 2020	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2020	Sep. 30, 2019
Changes in Allowance for Loan Losses:
Beginning balance	$ 10,040	$ 9,323	$ 8,092
Provisions	7,962	1,463	1,353
Charge-offs	(1,170)	(848)	(321)
Recoveries	194	102	199
Ending balance	17,026	10,040	9,323
Off-balance-sheet commitments	2,600	2,400
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				$ 1,443	$ 545
Collectively evaluated for impairment				15,583	9,495
Ending balance	10,040	9,323	8,092	17,026	10,040
Residential real estate [Member]
Changes in Allowance for Loan Losses:
Beginning balance	317	278	252
Provisions	945	30	18
Charge-offs	(36)	(21)	(98)
Recoveries	29	30	106
Ending balance	1,255	317	278
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				30	10
Collectively evaluated for impairment				1,225	307
Ending balance	317	278	252	1,255	317
Commercial real estate [Member]
Changes in Allowance for Loan Losses:
Beginning balance	2,540	2,493	2,342
Provisions	614	45	151
Charge-offs	(102)	0
Recoveries	6	2
Ending balance	3,058	2,540	2,493
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				3,058
Collectively evaluated for impairment					2,540
Ending balance	3,058	2,493	2,342	3,058	2,540
Single tenant net lease
Changes in Allowance for Loan Losses:
Beginning balance	1,675	2,843	2,696
Provisions	1,342	(1,168)	147
Charge-offs	0	0
Recoveries	0	0
Ending balance	3,017	1,675	2,843
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment				3,017	1,675
Ending balance	1,675	2,843	2,696	3,017	1,675
SBA Commercial Real Estate
Changes in Allowance for Loan Losses:
Beginning balance	2,293	1,581	826
Provisions	2,175	1,286	755
Charge-offs	(360)	(574)
Recoveries	46	0
Ending balance	4,154	2,293	1,581
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				1,366	512
Collectively evaluated for impairment				2,788	1,781
Ending balance	2,293	1,581	826	4,154	2,293
Multifamily
Changes in Allowance for Loan Losses:
Beginning balance	478	195	106
Provisions	294	283	89
Charge-offs	0	0
Recoveries	0	0
Ending balance	772	478	195
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment				772	478
Ending balance	478	195	106	772	478
Residential Construction
Changes in Allowance for Loan Losses:
Beginning balance	248	388	347
Provisions	(5)	(140)	41
Charge-offs	0	0
Recoveries	0	0
Ending balance	243	248	388
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment				243	248
Ending balance	248	388	347	243	248
Commercial Construction
Changes in Allowance for Loan Losses:
Beginning balance	67	96	338
Provisions	114	(29)	(242)
Charge-offs	0	0
Recoveries	0	0
Ending balance	181	67	96
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment				181	67
Ending balance	67	96	338	181	67
Land and land development
Changes in Allowance for Loan Losses:
Beginning balance	209	210	223
Provisions	28	(1)	(13)
Charge-offs	0	0
Recoveries	6	0
Ending balance	243	209	210
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment				243	209
Ending balance	209	210	223	243	209
Commercial business
Changes in Allowance for Loan Losses:
Beginning balance	889	647	625
Provisions	567	237	10
Charge-offs	(38)	(8)
Recoveries	31	13	12
Ending balance	1,449	889	647
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment				1,449	889
Ending balance	889	647	625	1,449	889
SBA commercial business
Changes in Allowance for Loan Losses:
Beginning balance	750	394	214
Provisions	1,109	427	180
Charge-offs	(396)	(71)
Recoveries	76	0
Ending balance	1,539	750	394
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment				47
Collectively evaluated for impairment				1,492	750
Ending balance	750	394	214	1,539	750
Consumer
Changes in Allowance for Loan Losses:
Beginning balance	574	198	123
Provisions	779	493	217
Charge-offs	(238)	(174)	(223)
Recoveries	0	57	81
Ending balance	1,115	574	198
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment					23
Collectively evaluated for impairment				1,115	551
Ending balance	$ 574	$ 198	$ 123	$ 1,115	$ 574

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	$ 10,317	$ 10,022	$ 11,781
Loans with no related allowance recorded, Unpaid Principal Balance	10,915	10,562	12,392
Loans with no related allowance recorded, Related Allowance		0
Loans with no related allowance recorded, Average Recorded Investment	11,400	11,702	12,241
Loans with no related allowance recorded, Interest Income Recognized	298	431	471
Loans with an allowance recorded, Recorded Investment	6,367	2,412	1,546
Loans with an allowance recorded, Unpaid Principal Balance	6,798	2,799	1,703
Loans with an allowance recorded, Related Allowance	1,443	545	511
Loans with an allowance recorded, Average Recorded Investment	5,752	2,433	708
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	16,684	12,434	13,327
Total, Unpaid Principal Balance	17,713	13,361	14,095
Total, Related Allowance	1,443	545	511
Total, Average Recorded Investment	17,152	14,135	12,949
Total, Interest Income Recognized	298	431	471
Residential real estate [Member]
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	5,185	4,438	4,833
Loans with no related allowance recorded, Unpaid Principal Balance	5,697	4,967	5,285
Loans with no related allowance recorded, Related Allowance		0	0	$ 0
Loans with no related allowance recorded, Average Recorded Investment	5,411	5,037	5,082
Loans with no related allowance recorded, Interest Income Recognized	127	115	142
Loans with an allowance recorded, Recorded Investment	174	10	274
Loans with an allowance recorded, Unpaid Principal Balance	175	7	282
Loans with an allowance recorded, Related Allowance	30	10	7
Loans with an allowance recorded, Average Recorded Investment	59	122	315
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	5,359	4,448	5,107
Total, Unpaid Principal Balance	5,872	4,974	5,567
Total, Related Allowance	30	10	7
Total, Average Recorded Investment	5,470	5,159	5,397
Total, Interest Income Recognized	127	115	142
Commercial real estate [Member]
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	1,134	5,282	6,435
Loans with no related allowance recorded, Unpaid Principal Balance	1,185	5,264	6,569
Loans with no related allowance recorded, Related Allowance		0	0	0
Loans with no related allowance recorded, Average Recorded Investment	3,914	6,225	6,683
Loans with no related allowance recorded, Interest Income Recognized	167	305	312
Loans with an allowance recorded, Recorded Investment	0	0	70
Loans with an allowance recorded, Unpaid Principal Balance	0	0	117
Loans with an allowance recorded, Related Allowance		0	5
Loans with an allowance recorded, Average Recorded Investment	20	10	9
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	1,134	5,282	6,505
Total, Unpaid Principal Balance	1,185	5,264	6,686
Total, Related Allowance		0	5
Total, Average Recorded Investment	3,934	6,235	6,692
Total, Interest Income Recognized	167	305	312
Single tenant net lease
Loans and Allowance for Loan Losses
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, 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, 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, Average Recorded Investment	0	0	0
Total, Interest Income Recognized	0	0	0
SBA Commercial Real Estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	1,245	119	133
Loans with no related allowance recorded, Unpaid Principal Balance	1,178	144	146
Loans with no related allowance recorded, Average Recorded Investment	586	112	11
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with an allowance recorded, Recorded Investment	5,682	2,246	1,081
Loans with an allowance recorded, Unpaid Principal Balance	6,086	2,637	1,176
Loans with an allowance recorded, Related Allowance	1,366	512	487
Loans with an allowance recorded, Average Recorded Investment	5,048	2,116	247
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	6,927	2,365	1,214
Total, Unpaid Principal Balance	7,264	2,781	1,322
Total, Related Allowance	1,366	512	487
Total, Average Recorded Investment	5,634	2,228	258
Total, Interest Income Recognized	0	0	0
Multifamily
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	698	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	700	0	0
Loans with no related allowance recorded, Related Allowance		0	0
Loans with no related allowance recorded, Average Recorded Investment	421	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, Average Recorded Investment	0	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	698	0	0
Total, Unpaid Principal Balance	700	0	0
Total, Average Recorded Investment	421	0	0
Total, Interest Income Recognized	0	0	0
Residential Construction
Loans and Allowance for Loan Losses
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, 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
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
Total, Average Recorded Investment	0	0	0
Total, Interest Income Recognized	0	0	0
Commercial Construction
Loans and Allowance for Loan Losses
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
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
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	2	0	27
Loans with no related allowance recorded, Unpaid Principal Balance	1	0	28
Loans with no related allowance recorded, Related Allowance		0	0	0
Loans with no related allowance recorded, Average Recorded Investment	1	6	29
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	2	0	27
Total, Unpaid Principal Balance	1	0	28
Total, Related Allowance	0	0	0
Total, Average Recorded Investment	1	6	29
Total, Interest Income Recognized	0	0	0
Commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	1,670	105	231
Loans with no related allowance recorded, Unpaid Principal Balance	1,675	106	241
Loans with no related allowance recorded, Related Allowance		0	0	0
Loans with no related allowance recorded, Average Recorded Investment	745	183	316
Loans with no related allowance recorded, Interest Income Recognized	1	7	13
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	328	10	0
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	1,670	105	231
Total, Unpaid Principal Balance	1,675	106	241
Total, Related Allowance	0	0	0
Total, Average Recorded Investment	1,073	193	316
Total, Interest Income Recognized	1	7	13
SBA commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	322	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	416	0	0
Loans with no related allowance recorded, Related Allowance				0
Loans with no related allowance recorded, Average Recorded Investment	250	32	0
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with an allowance recorded, Recorded Investment	373	0	0
Loans with an allowance recorded, Unpaid Principal Balance	399	0	0
Loans with an allowance recorded, Related Allowance	47	0	0
Loans with an allowance recorded, Average Recorded Investment	143	18	0
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	695	0	0
Total, Unpaid Principal Balance	815	0	0
Total, Related Allowance	47	0	0
Total, Average Recorded Investment	393	50	0
Total, Interest Income Recognized	0	0	0
Consumer
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	61	78	122
Loans with no related allowance recorded, Unpaid Principal Balance	63	81	123
Loans with no related allowance recorded, Related Allowance		0	0	$ 0
Loans with no related allowance recorded, Average Recorded Investment	72	107	120
Loans with no related allowance recorded, Interest Income Recognized	3	4	4
Loans with an allowance recorded, Recorded Investment	138	156	121
Loans with an allowance recorded, Unpaid Principal Balance	138	155	128
Loans with an allowance recorded, Related Allowance		23	12
Loans with an allowance recorded, Average Recorded Investment	154	157	137
Loans with an allowance recorded, Interest Income Recognized	0	0	0
Total, Recorded Investment	199	234	243
Total, Unpaid Principal Balance	201	236	251
Total, Related Allowance		23	12
Total, Average Recorded Investment	226	264	257
Total, Interest Income Recognized	$ 3	4	4
Construction [Member]
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Related Allowance		$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES - Nonperforming Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Loans and Allowance for Loan Losses
Nonaccrual Loans	$ 13,615	$ 5,168
Loans 90+ Days Past Due Still Accruing	0	12
Total Nonperforming Loans	13,615	5,180
Residential real estate [Member]
Loans and Allowance for Loan Losses
Nonaccrual Loans	2,797	2,580
Loans 90+ Days Past Due Still Accruing	0	12
Total Nonperforming Loans	2,797	2,592
Commercial real estate [Member]
Loans and Allowance for Loan Losses
Nonaccrual Loans	685	60
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	685	60
Single tenant net lease
Loans and Allowance for Loan Losses
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
SBA Commercial Real Estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	6,927	2,365
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	6,927	2,365
Multifamily
Loans and Allowance for Loan Losses
Nonaccrual Loans	698	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	698	0
Residential Construction
Loans and Allowance for Loan Losses
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Commercial Construction
Loans and Allowance for Loan Losses
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Land and land development
Loans and Allowance for Loan Losses
Nonaccrual Loans	2	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	2	0
Commercial business
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,668	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	1,668	0
SBA commercial business
Loans and Allowance for Loan Losses
Nonaccrual Loans	695	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	695	0
Consumer
Loans and Allowance for Loan Losses
Nonaccrual Loans	143	163
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	$ 143	$ 163

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, 2020	Sep. 30, 2019
Loans and Allowance for Loan Losses
Total Past Due	$ 7,528	$ 6,799
Current	1,104,146	817,228
Recorded investment in loans	1,111,674	824,027
Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	2,471	2,770
Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	539	1,366
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	4,518	2,663
Residential real estate [Member]
Loans and Allowance for Loan Losses
Total Past Due	3,804	3,317
Current	188,465	194,655
Recorded investment in loans	192,269	197,972
Residential real estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	1,693	1,619
Residential real estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	480	577
Residential real estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	1,631	1,121
Commercial real estate [Member]
Loans and Allowance for Loan Losses
Total Past Due	794	102
Current	141,343	171,042
Recorded investment in loans	142,137	171,144
Commercial real estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	109	0
Commercial real estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	102
Commercial real estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	685	0
Single tenant net lease
Loans and Allowance for Loan Losses
Total Past Due	0	0
Current	335,600	224,006
Recorded investment in loans	335,600	224,006
Single tenant net lease | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Single tenant net lease | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Single tenant net lease | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
SBA Commercial Real Estate
Loans and Allowance for Loan Losses
Total Past Due	1,874	3,085
Current	55,103	44,558
Recorded investment in loans	56,977	47,643
SBA Commercial Real Estate | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	892
SBA Commercial Real Estate | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	670
SBA Commercial Real Estate | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	1,874	1,523
Multifamily
Loans and Allowance for Loan Losses
Total Past Due	0	0
Current	42,470	38,292
Recorded investment in loans	42,470	38,292
Multifamily | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Multifamily | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Multifamily | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Residential Construction
Loans and Allowance for Loan Losses
Total Past Due	0	0
Current	9,358	12,514
Recorded investment in loans	9,358	12,514
Residential Construction | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Residential Construction | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Residential Construction | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Commercial Construction
Loans and Allowance for Loan Losses
Total Past Due	0	0
Current	6,939	3,327
Recorded investment in loans	6,939	3,327
Commercial Construction | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Commercial Construction | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Commercial Construction | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Land and land development
Loans and Allowance for Loan Losses
Total Past Due	2	0
Current	9,410	10,564
Recorded investment in loans	9,412	10,564
Land and land development | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Land and land development | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Land and land development | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	2	0
Commercial business
Loans and Allowance for Loan Losses
Total Past Due	63	44
Current	60,679	53,758
Recorded investment in loans	60,742	53,802
Commercial business | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	63	44
Commercial business | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
Commercial business | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
SBA commercial business
Loans and Allowance for Loan Losses
Total Past Due	695	138
Current	204,347	19,908
Recorded investment in loans	205,042	20,046
SBA commercial business | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	373	138
SBA commercial business | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	0	0
SBA commercial business | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	322	0
Consumer
Loans and Allowance for Loan Losses
Total Past Due	296	113
Current	50,432	44,604
Recorded investment in loans	50,728	44,717
Consumer | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	233	77
Consumer | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	59	17
Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans and Allowance for Loan Losses
Total Past Due	$ 4	$ 19

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, 2020	Sep. 30, 2019
Loans and Allowance for Loan Losses
Recorded investment in loans	$ 1,111,674	$ 824,027
Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	1,073,581	803,295
Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	11,159	904
Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	26,807	19,767
Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	127	61
Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential real estate [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	192,269	197,972
Residential real estate [Member] | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	188,707	193,967
Residential real estate [Member] | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential real estate [Member] | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	3,435	3,946
Residential real estate [Member] | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	127	59
Residential real estate [Member] | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial real estate [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	142,137	171,144
Commercial real estate [Member] | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	133,685	167,029
Commercial real estate [Member] | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	4,112	102
Commercial real estate [Member] | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	4,340	4,013
Commercial real estate [Member] | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial real estate [Member] | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Single tenant net lease
Loans and Allowance for Loan Losses
Recorded investment in loans	335,600	224,006
Single tenant net lease | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	335,600	224,006
Single tenant net lease | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Single tenant net lease | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Single tenant net lease | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Single tenant net lease | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
SBA Commercial Real Estate
Loans and Allowance for Loan Losses
Recorded investment in loans	56,977	47,643
SBA Commercial Real Estate | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	38,124	38,397
SBA Commercial Real Estate | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	6,518	802
SBA Commercial Real Estate | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	12,335	8,444
SBA Commercial Real Estate | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
SBA Commercial Real Estate | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Multifamily
Loans and Allowance for Loan Losses
Recorded investment in loans	42,470	38,292
Multifamily | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	41,772	37,823
Multifamily | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Multifamily | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	698	469
Multifamily | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Multifamily | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential Construction
Loans and Allowance for Loan Losses
Recorded investment in loans	9,358	12,514
Residential Construction | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	9,358	12,514
Residential Construction | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential Construction | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential Construction | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential Construction | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Construction
Loans and Allowance for Loan Losses
Recorded investment in loans	6,939	3,327
Commercial Construction | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	6,939	3,327
Commercial Construction | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Construction | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Construction | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Construction | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Land and land development
Loans and Allowance for Loan Losses
Recorded investment in loans	9,412	10,564
Land and land development | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	9,410	10,564
Land and land development | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Land and land development | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	2
Land and land development | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Land and land development | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial business
Loans and Allowance for Loan Losses
Recorded investment in loans	60,742	53,802
Commercial business | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	58,707	51,479
Commercial business | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	235
Commercial business | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	1,800	2,323
Commercial business | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial business | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
SBA commercial business
Loans and Allowance for Loan Losses
Recorded investment in loans	205,042	20,046
SBA commercial business | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	200,578	19,571
SBA commercial business | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	294
SBA commercial business | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	4,170	475
SBA commercial business | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
SBA commercial business | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Consumer
Loans and Allowance for Loan Losses
Recorded investment in loans	50,728	44,717
Consumer | Pass [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	50,701	44,618
Consumer | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Consumer | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	27	97
Consumer | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	0	$ 2
Consumer | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	$ 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, 2020	Sep. 30, 2019
Financing Receivable, Modifications [Line Items]
Accruing	$ 3,069	$ 7,265
Nonaccrual	6,794	410
Total	9,863	7,675
Residential real estate [Member]
Financing Receivable, Modifications [Line Items]
Accruing	2,562	1,868
Nonaccrual	116	351
Total	2,678	2,219
Commercial real estate [Member]
Financing Receivable, Modifications [Line Items]
Accruing	449	5,222
Nonaccrual	512	59
Total	961	5,281
SBA Commercial Real Estate
Financing Receivable, Modifications [Line Items]
Nonaccrual	3,800
Total	3,800
Multifamily
Financing Receivable, Modifications [Line Items]
Nonaccrual	698
Total	698
Commercial business
Financing Receivable, Modifications [Line Items]
Accruing	2	105
Nonaccrual	1,668	0
Total	1,670	105
Consumer
Financing Receivable, Modifications [Line Items]
Accruing	56	70
Nonaccrual	0	0
Total	$ 56	$ 70

LOANS AND ALLOWANCE FOR LOAN_12

LOANS AND ALLOWANCE FOR LOAN LOSSES- Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)item
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	13	4
Pre-Modification Principal Balance	$ 7,368	$ 1,987
Post-Modification Principal Balance	$ 7,369	$ 1,967
Residential real estate [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	1	1
Pre-Modification Principal Balance	$ 1,099	$ 140
Post-Modification Principal Balance	$ 1,100	$ 120
Commercial real estate [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item		1
Pre-Modification Principal Balance		$ 1,674
Post-Modification Principal Balance		$ 1,674
SBA Commercial Real Estate
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	1
Pre-Modification Principal Balance	$ 3,832
Post-Modification Principal Balance	$ 3,832
Multifamily
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	2
Pre-Modification Principal Balance	$ 700
Post-Modification Principal Balance	$ 700
Commercial business
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	9	1
Pre-Modification Principal Balance	$ 1,737	$ 170
Post-Modification Principal Balance	$ 1,737	$ 170
Consumer
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, 2020	Sep. 30, 2019
Maximum [Member]
Discount rate	19.86%	26.61%
Prepayment rate	26.68%	21.17%
Minimum [Member]
Discount rate	3.58%	6.82%
Prepayment rate	8.69%	6.80%
Weighted Average [Member]
Discount rate	8.36%	11.11%
Prepayment rate	17.46%	14.10%

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, 2020	Sep. 30, 2019	Sep. 30, 2018
Bank Servicing [Member]
Revenue from Contract with Customer, Including Assessed Tax	$ 54	$ 41	$ 17
Banking [Member]
Revenue from Contract with Customer, Including Assessed Tax	$ 1,860	$ 1,286	$ 880

LOANS AND ALLOWANCE FOR LOAN_15

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loan Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2016
Balance, beginning of period	$ 3,030
Balance, end of period	3,748	$ 3,030
Small Business Administration Loans [Member]
Balance, beginning of period	3,030	2,405	$ 1,389
Servicing rights capitalized	1,450	1,334	1,565
Amortization		(848)	(596)	$ (372)
Direct write-offs		(142)	0
Change in valuation allowance	116	29	(177)
Balance, end of period	$ 3,748	$ 3,030	$ 2,405

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, 2020	Sep. 30, 2019	Sep. 30, 2018
LOANS AND ALLOWANCE FOR LOAN LOSSES
Balance, beginning of period	$ 148	$ 177	$ 0
Additions (reductions) charged to earnings	(116)	113	177
Write-downs charged against allowance	0	(142)	0
Balance, end of period	$ 32	$ 148	$ 177

LOANS AND ALLOWANCE FOR LOAN_17

LOANS AND ALLOWANCE FOR LOAN LOSSES - Mortgage Servicing Rights (Details)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Mortgage Servicing Rights [Member]
Discount rate		9.25%
Maximum [Member]
Discount rate	19.86%	26.61%
Prepayment rate	26.68%	21.17%
Maximum [Member] | Mortgage Servicing Rights [Member]
Prepayment rate	86.98%	72.79%
Minimum [Member]
Discount rate	3.58%	6.82%
Prepayment rate	8.69%	6.80%
Minimum [Member] | Mortgage Servicing Rights [Member]
Prepayment rate	2.99%	4.42%
Weighted Average [Member]
Discount rate	8.36%	11.11%
Prepayment rate	17.46%	14.10%
Weighted Average [Member] | Mortgage Servicing Rights [Member]
Discount rate	9.25%
Prepayment rate	18.08%	18.75%

LOANS AND ALLOWANCE FOR LOAN_18

LOANS AND ALLOWANCE FOR LOAN LOSSES - Mortgage Servicing Rights at Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Balance, beginning of period	$ 3,030
Changes in fair value related to:
Balance, end of period	3,748	$ 3,030
Mortgage Servicing Rights [Member]
Balance, beginning of period	934	0
Servicing rights capitalized	24,058	940
Changes in fair value related to:
Loan repayments	(1,542)	(6)
Changes in valuation model inputs or assumptions	(1,747)	0
Balance, end of period	$ 21,703	$ 934

LOANS AND ALLOWANCE FOR LOAN_19

LOANS AND ALLOWANCE FOR LOAN LOSSES - Additional Information (Details)	3 Months Ended												12 Months Ended
	Sep. 30, 2020USD ($)	Jun. 30, 2020USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)item
Loans and Allowance for Loan Losses
Number of Loans | item														13	4
Loans and Leases Receivable, Impaired, Commitment to Lend	$ 1,000				$ 1,000								$ 1,000	$ 1,000
Financing Receivable, Allowance for Credit Losses, Write-downs													1,170,000	848,000	$ 321,000
Provision for loan losses	2,772,000	$ 2,980,000	$ 1,705,000	$ 505,000	471,000	$ 337,000	$ 340,000	$ 315,000	$ 254,000	$ 266,000	$ 371,000	$ 462,000	7,962,000	1,463,000	1,353,000
Payment extensions or loan forbearance agreements balance amount	14,100,000												14,100,000
Impaired Financing Receivable, Unpaid Principal Balance	17,713,000				13,361,000				14,095,000				17,713,000	13,361,000	14,095,000
Escrow Balances Maintained with Foregoing Loan Servicing and Other Liabilities					427,000									427,000
Net servicing income													1,806,000	1,245,000	$ 863,000
Commercial real estate [Member]
Loans and Allowance for Loan Losses
Number of Loans | item															1
Financing Receivable, Allowance for Credit Losses, Write-downs													102,000	0
Payment extensions or loan forbearance agreements balance amount	13,400,000												13,400,000
Impaired Financing Receivable, Unpaid Principal Balance	1,185,000				5,264,000				6,686,000				1,185,000	$ 5,264,000	$ 6,686,000
Residential real estate [Member]
Loans and Allowance for Loan Losses
Number of Loans | item														1	1
Financing Receivable, Allowance for Credit Losses, Write-downs													36,000	$ 21,000	$ 98,000
Payment extensions or loan forbearance agreements balance amount	713,000												713,000
Impaired Financing Receivable, Unpaid Principal Balance	5,872,000				4,974,000				5,567,000				5,872,000	4,974,000	5,567,000
Bank Servicing [Member]
Loans and Allowance for Loan Losses
Revenue from Contract with Customer, Including Assessed Tax													54,000	41,000	17,000
SBA Lending Segment [Member]
Loans and Allowance for Loan Losses
Provision for loan losses													3,326,000	1,705,000	1,422,000
SBA
Loans and Allowance for Loan Losses
Payment extensions or loan forbearance agreements balance amount	1,500,000												1,500,000
Impaired Financing Receivable, Unpaid Principal Balance	209,100,000				165,000,000				$ 120,600,000				209,100,000	165,000,000	120,600,000
Troubled Debt Restructuring [Member]
Loans and Allowance for Loan Losses
Loans and Leases Receivable, Allowance, Covered	538,000												538,000
Provision for loan losses													538,000	0	$ 5,000
Payment extensions or loan forbearance agreements balance amount	88,100,000												88,100,000
Troubled Debt Restructuring, Debtor, Subsequent Periods, Contingent Payments, Amount					114,000									114,000
Troubled Debt Restructuring [Member] | Commercial real estate [Member]
Loans and Allowance for Loan Losses
Payment extensions or loan forbearance agreements balance amount	79,500,000												79,500,000
Troubled Debt Restructuring [Member] | Residential real estate [Member]
Loans and Allowance for Loan Losses
Payment extensions or loan forbearance agreements balance amount	7,100,000												7,100,000
Mortgage Servicing Rights [Member]
Loans and Allowance for Loan Losses
Impaired Financing Receivable, Unpaid Principal Balance	2,260,000,000				$ 91,600,000								2,260,000,000	91,600,000
Revenue from Contract with Customer, Including Assessed Tax													621,000	$ 30,000
Escrow Balances Maintained with Foregoing Loan Servicing and Other Liabilities	$ 19,300,000												$ 19,300,000

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, 2020	Sep. 30, 2019	Sep. 30, 2018
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		$ 30,126,000	$ 11,530,000
Investment Tax Credit Percentage		90.00%
Historical Tax Credit On Investment		$ 5,000,000
Increase In Equity Investment		$ 4,500,000
Income Related To Distributions From Historic Tax Credit Entity			$ 426,000	$ 210,000	$ 585,000

PREMISES AND EQUIPMENT - Premis

PREMISES AND EQUIPMENT - Premises And Equipment (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 33,292	$ 28,241
Less: accumulated depreciation	(8,880)	(9,003)
Property, Plant and Equipment, Net, Total	24,412	19,238
Property, Plant and Equipment [Member]
Property, Plant and Equipment [Line Items]
Depreciation expense	1,576	1,305	$ 920
Land and land improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	4,071	2,816
Office buildings [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	20,062	17,575
Leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	66	61
Furniture, fixtures and equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	8,036	6,596
Construction in Progress [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 1,057	$ 1,193

PREMISES AND EQUIPMENT - Additi

PREMISES AND EQUIPMENT - Additional Information (Detail) - USD ($)	3 Months Ended												12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	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, 2020	Sep. 30, 2019	Sep. 30, 2018
Property, Plant and Equipment [Line Items]
Lease expiration term													10 years
Sale leaseback transaction, deferred gain, gross	$ 471,000				$ 218,000								$ 471,000	$ 218,000
Noninterest income	55,664,000	$ 46,337,000	$ 10,994,000	$ 18,126,000	$ 18,340,000	$ 12,644,000	$ 7,089,000	$ 5,781,000	$ 4,568,000	$ 3,254,000	$ 2,567,000	$ 2,906,000	131,121,000	$ 43,854,000	$ 13,295,000
Bank [Member]
Property, Plant and Equipment [Line Items]
Sale leaseback transaction, deferred gain, gross	$ 307,000												307,000
Noninterest income													$ 164,000

OTHER REAL ESTATE OWNED - Other

OTHER REAL ESTATE OWNED - Other Real Estate Roll Forward (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Balance as of October 1	$ 1,893	$ 103	$ 852
Transfers from loans to other real estate owned	0	114	133
Transfers from premises and equipment to REO	0	1,893	0
Direct write-downs	0		(63)
Sales	(165)	(217)	(827)
Other adjustments	0		(23)
Balance as of September 30	1,728	$ 1,893	103
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, 2020	Sep. 30, 2019	Sep. 30, 2018
REAL ESTATE DEVELOPMENT AND CONSTRUCTION
Net gain on sales	$ (16)	$ (78)	$ (278)
Direct write-downs	0	0	63
Operating expenses, net of rental income	15	21	55
Profit (Loss) from Real Estate Operations	$ (1)	$ (57)	$ (160)

OTHER REAL ESTATE OWNED - Addit

OTHER REAL ESTATE OWNED - Additional Information (Detail) - USD ($) $ in Millions	Sep. 30, 2020	Sep. 30, 2019
Residential real estate [Member]
Real Estate Acquired Through Foreclosure	$ 1.3	$ 1.3

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, 2020	Sep. 30, 2019	Sep. 30, 2018
GOODWILL AND OTHER INTANGIBLES
Beginning balance	$ 9,848	$ 9,848	$ 7,936
Acquisition of Dearmin/FNBO	0	0	1,912
Ending balance	$ 9,848	$ 9,848	$ 9,848

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLES (Summary Of Other Intangible Assets) (Detail) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Less accumulated amortization	$ (3,592)	$ (3,378)
Ending balance	1,202	1,416
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, 2020	Sep. 30, 2019	Sep. 30, 2018
GOODWILL AND OTHER INTANGIBLES
Amortization expense	$ 214	$ 312	$ 453

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLES (Estimated Amortization Expense For The Core Deposit Intangibles) (Detail) $ in Thousands	Sep. 30, 2020USD ($)
GOODWILL AND OTHER INTANGIBLES
2021	$ 214
2022	214
2023	214
2024	163
2025	163
2026 and thereafter	234
Total	$ 1,202

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLES (Additional Information) (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
GOODWILL AND OTHER INTANGIBLES
Impairment of goodwill	$ 0	$ 0	$ 0

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
DEPOSITS
Noninterest-bearing demand deposits	$ 242,673	$ 173,072
NOW accounts	218,581	173,746
Money market accounts	143,867	121,281
Savings accounts	142,609	120,393
Retail time deposits	168,276	146,227
Brokered time deposits	54,688	99,665
Reciprocal time deposits	77,382
Total deposits	$ 1,048,076	$ 834,384

DEPOSITS (Scheduled Maturities

DEPOSITS (Scheduled Maturities Of Certificates Of Deposit) (Detail) $ in Thousands	Sep. 30, 2020USD ($)
OTHER BORROWINGS
2021	$ 248,406
2022	25,022
2023	9,145
2024	8,906
2025	8,867
Total	$ 300,346

DEPOSITS (Additional Informatio

DEPOSITS (Additional Information) (Detail) - USD ($)	Sep. 30, 2020	Sep. 30, 2019
OTHER BORROWINGS
Federal Deposit Insurance Corporation Insurance Limit	$ 250,000
Time Deposits, at or Above FDIC Insurance Limit	33,600,000	$ 22,300,000
Related Party Deposit Liabilities	$ 9,400,000	$ 9,200,000

FEDERAL FUNDS PURCHASED (Additi

FEDERAL FUNDS PURCHASED (Additional Information) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Percentage Of Equity Capital	25.00%
Federal Funds Purchased Expiration Date1	Jun. 30, 2021
Federal Funds Purchased	$ 0	$ 4,000
Federal Funds Outstanding	0	0
Federal Funds Purchased
Federal Funds Purchased	20,000
Discretionary Line Of Credit Facility [Member]
Federal Funds Purchased	22,000
Line of Credit [Member]
Federal Funds Purchased	$ 15,000
Federal Funds Outstanding		$ 4,000

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
Weighted average interest rate during the year	0.25%	0.25%
Average balance during the year	$ 1,075	$ 1,350
Maximum month-end balance during the year	$ 1,354	$ 1,352

REPURCHASE AGREEMENTS (Addition

REPURCHASE AGREEMENTS (Additional Information) (Detail) - USD ($)	Sep. 30, 2020	Sep. 30, 2019
Available-for-sale Securities [Member]
Securities Sold under Agreements to Repurchase, Fair Value of Collateral	$ 0	$ 0

BORROWINGS FROM FEDERAL HOME _3

BORROWINGS FROM FEDERAL HOME LOAN BANK (Borrowings From The FHLB) (Detail) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
BORROWINGS FROM FEDERAL HOME LOAN BANK
2020 Weighted Average Rate	0.00%	1.88%
2021 Weighted Average Rate	1.26%	2.12%
2022 Weighted Average Rate	2.01%	2.01%
2024 Weighted Average Rate	2.02%	2.02%
2025 and beyond Weighted Average Rate	0.85%	0.91%
2020 Amount	$ 0	$ 40,000
2021 Amount	40,000	30,000
2022 Amount	10,000	10,000
2024 Amount	50,000	50,000
2025 and beyond Amount	190,000	80,000
Total advances	$ 290,000	$ 210,000
Line of credit balance (Weighted Average Rate)	0.50%	2.33%
Line of credit facility maximum amount outstanding	$ 20,858	$ 12,544
Advances from Federal Home Loan Banks, Total	$ 310,858	$ 222,544

BORROWINGS FROM FEDERAL HOME _4

BORROWINGS FROM FEDERAL HOME LOAN BANK (Additional Information) (Detail) - USD ($)	Sep. 30, 2020	Aug. 14, 2018	May 31, 2017	Jun. 19, 2014
Security Owned and Pledged as Collateral, Fair Value	$ 2,100,000
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 2,200,000
Line of Credit Facility, Fair Value of Amount Outstanding	0
Commercial real estate [Member]
Loans Pledged as Collateral	382,900,000
Residential Mortgage Loans [Member]
Mortgage Collateral Pledged For Borrowings	400,000,000
Securities Investment [Member]
Security Owned and Pledged as Collateral, Fair Value		$ 30,000,000		$ 3,300,000
Line of Credit Facility, Fair Value of Amount Outstanding	20,900,000
Investment Type Categorizations [Member]
Security Owned and Pledged as Collateral, Fair Value	1,900,000
Line of Credit Facility, Fair Value of Amount Outstanding	0
Standby Letters of Credit [Member]
Security Owned and Pledged as Collateral, Fair Value	185,000,000
Line of Credit Facility, Fair Value of Amount Outstanding	$ 0

OTHER BORROWINGS (Additional In

OTHER BORROWINGS (Additional Information) (Detail) - USD ($)	Sep. 20, 2018	Sep. 30, 2020	Sep. 30, 2019
Subordinated Debt	$ 20,000,000
Subordinated Borrowing, Interest Rate	6.02%
Line of Credit Facility, Maximum Borrowing Capacity		$ 174,800,000
Line of Credit Facility, Interest Rate During Period		0.35%
Borrowings		$ 174,834,000	$ 0
Subordinated Debt [Member]
Unamortized Debt Issuance Expense		$ 203,000	$ 271,000

DEFERRED COMPENSATION PLANS - D

DEFERRED COMPENSATION PLANS - Deferred Compensation Expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Officer [Member]
Deferred directors' fee expense	$ (4)	$ 80	$ 51

DEFERRED COMPENSATION PLANS -_2

DEFERRED COMPENSATION PLANS - Deferred Directors Fees Expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Director [Member]
Deferred directors' fee expense	$ 187	$ 263	$ 224

DEFERRED COMPENSATION PLANS - A

DEFERRED COMPENSATION PLANS - Additional Information (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
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	$ 208,000	$ 211,000
Director [Member]
Deferred Compensation Arrangement with Individual, Recorded Liability	$ 1,500,000	$ 1,400,000

BENEFIT PLANS - Contributions T

BENEFIT PLANS - Contributions To The Plan (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
BENEFIT PLANS
Company contributions to the plan	$ 1,420	$ 762	$ 576

BENEFIT PLANS - Compensation Ex

BENEFIT PLANS - Compensation Expense Recognized (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
BENEFIT PLANS
Compensation expense	$ 0	$ 0	$ 0

BENEFIT PLANS - Additional Info

BENEFIT PLANS - Additional Information (Detail) - $ / shares	Oct. 06, 2008	Sep. 30, 2020	Sep. 30, 2019
BENEFIT PLANS
Employee Stock Ownership Plan (ESOP), Shares in ESOP	203,363	119,654	136,219
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, 2020	Sep. 30, 2019	Sep. 30, 2018
STOCK-BASED COMPENSATION PLANS
Stock option expense	$ 86	$ 72	$ 68
Restricted stock expense	$ 193	$ 173	$ 148

STOCK-BASED COMPENSATION PLAN_3

STOCK-BASED COMPENSATION PLANS - Fair Value Of Options Granted (Details) - $ / shares	12 Months Ended	36 Months Ended
	Sep. 30, 2020	Sep. 30, 2020
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, 2020	Sep. 30, 2019	Sep. 30, 2018
Number of Shares
Outstanding at beginning of year	84,806
Granted	11,958
Exercised	(28,361)	(66,877)	(55,296)
Outstanding at end of year	68,403	84,806
Vested and expected to vest	68,403
Exercisable at end of year	30,027
Weighted Average Exercise Price
Outstanding at beginning of year	$ 34.13
Granted	66.35
Exercised	14.01
Outstanding at end of year	48.11	$ 34.13
Vested and expected to vest	48.11
Exercisable at end of year	$ 42.91
Weighted Average Remaining Contractual Term
Outstanding of year	6 years 10 months 24 days
Vested and expected to vest	6 years 10 months 24 days
Exercisable at end of year	6 years 3 months 18 days
Aggregate Intrinsic Value
Outstanding at end of year	$ 659,000
Vested and expected to vest	659,000
Exercisable at end of year	$ 377,000

STOCK-BASED COMPENSATION PLAN_5

STOCK-BASED COMPENSATION PLANS - Nonvested Restricted Shares (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Number of Shares
Nonvested	13,458
Granted	1,436
Vested	(4,086)	(3,653)	(3,453)
Nonvested	10,808	13,458
Weighted Average Grant Date Fair Value
Nonvested	$ 44.62
Granted	66.35
Vested	43.24
Nonvested	$ 48.04	$ 44.62

STOCK-BASED COMPENSATION PLAN_6

STOCK-BASED COMPENSATION PLANS - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Stock option expense	$ 86,000	$ 72,000	$ 68,000
Compensation expense	0	0	0
Deferred Tax Assets, Valuation Allowance	1,681,000	1,412,000
Proceeds from exercise of stock options	$ 148,000	408,000	362,000
Equity Incentive Plan 2016 [Member]
Aggregated number of shares in stock options	88,000
Incentive stock options granted	$ 100,000
Common stock available under incentive plan	7,255
Employee Stock Option [Member]
Unrecognized compensation expenses related to nonvested stock options	$ 161,000
Weighted average period (in years)	2 years 6 months 25 days
Intrinsic value of stock options exercised	$ 1,400,000	2,600,000	2,800,000
Proceeds from exercise of stock options	148,000	408,000	362,000
Stock Issued, Value, Stock Options Exercised, Net of Tax Benefit (Expense)	$ 134,000	$ 237,000	$ 204,000
Employee Stock Option [Member] | Equity Incentive Plan 2016 [Member]
Aggregated number of shares in stock options	66,000
Restricted Stock [Member]
Restricted shares vested	4,086	3,653	3,453
Fair value of restricted shares	$ 271,000	$ 216,000	$ 195,000
Unrecognized compensation expenses related to nonvested stock options	$ 348,000
weighted average period of compensation expense (in years)	2 years 5 months 1 day
Restricted Stock [Member] | Equity Incentive Plan 2016 [Member]
Aggregated number of shares in stock options	22,000

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, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	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, 2020	Sep. 30, 2019	Sep. 30, 2018
INCOME TAXES
Current														$ 8,295	$ 2,493	$ 1,753
Valuation allowance														193	166	102
Deferred														4,173	436	567
Income Tax Expense (Benefit), Total	$ 619	$ 7,257	$ 5,540	$ (774)	$ 638	$ 1,359	$ 748	$ 466	$ 522	$ 766	$ 696	$ 338	$ 622	$ 12,661	$ 3,095	$ 2,422

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, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	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, 2020	Sep. 30, 2019	Sep. 30, 2018
INCOME TAXES
Provision at federal statutory rate														$ 9,816	$ 4,219	$ 3,616
State income tax-net of federal tax benefit														1,815	327	110
Federal tax rate change - 2017 Tax Cut and Jobs Act														0	0	(145)
Tax-exempt interest income														(962)	(890)	(917)
Bank owned life insurance														(154)	(111)	(104)
Captive insurance net premiums														(295)	(223)	(208)
Increase in federal deferred tax valuation allowance														193	166	102
Nondeductible officer compensation														2,373	0	0
Other														(125)	(393)	(32)
Income Tax Expense (Benefit), Total	$ 619	$ 7,257	$ 5,540	$ (774)	$ 638	$ 1,359	$ 748	$ 466	$ 522	$ 766	$ 696	$ 338	$ 622	$ 12,661	$ 3,095	$ 2,422

INCOME TAXES (Deferred Tax Asse

INCOME TAXES (Deferred Tax Assets And Liabilities) (Detail) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Deferred tax assets:
Allowance for loan losses	$ 2,833	$ 1,681
Operating lease liability	1,882
Deferred compensation plans	409	391
Equity incentive plans	45	48
Other-than-temporary impairment loss on available for sale securities	28	27
Interest on nonaccrual loans	191	111
Loss on tax credit investments	1,673	1,418
Deferred loan fees and costs, net	166	138
Investment in subsidiary	584	493
Other	423	65
Gross deferred tax assets	8,234	4,372
Valuation allowance	(1,681)	(1,412)
Net deferred tax assets	6,553	2,960
Deferred tax liabilities:
Unrealized gain on securities available for sale	(2,980)	(2,017)
Accumulated depreciation	(1,611)	(690)
Operating lease right of use asset	(1,854)
Installment sale	(378)	(314)
Acquisition purchase accounting adjustments	(789)	(777)
Mortgage servicing rights	(5,401)	(223)
FHLB stock dividends	(88)	(84)
Prepaid expenses	(609)	(515)
Others	(67)	(107)
Deferred tax liabilities	(13,777)	(4,727)
Net deferred tax liability	$ (7,224)	$ (1,767)

INCOME TAXES (Additional Inform

INCOME TAXES (Additional Information) (Detail) - USD ($)	Dec. 31, 2017	Dec. 31, 2017	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	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, 2020	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2020
Retained earnings - substantially restricted			$ 123,158,000				$ 91,228,000								$ 123,158,000	$ 91,228,000		$ 123,158,000
Deferred Tax Liabilities, Deferred Expense			957,000				957,000								$ 957,000	$ 957,000		$ 957,000
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	34.00%														21.00%	21.00%	24.50%	21.00%
Tax Credit Carryforward, Amount			7,500,000												$ 7,500,000			$ 7,500,000
Income Tax Expense (Benefit)		$ 619,000	7,257,000	$ 5,540,000	$ (774,000)	$ 638,000	1,359,000	$ 748,000	$ 466,000	$ 522,000	$ 766,000	$ 696,000	$ 338,000	$ 622,000	12,661,000	$ 3,095,000	$ 2,422,000
Deferred Tax Assets Available for Sale Securities Percentage	21.00%	21.00%												21.00%
Deferred Tax Liabilities, Net											$ 145,000						$ 145,000
Deferred Tax Assets, Valuation Allowance			1,681,000				1,412,000								1,681,000	1,412,000		1,681,000
Adjustment
Retained earnings - substantially restricted			$ 4,600,000				$ 4,600,000								$ 4,600,000	$ 4,600,000		$ 4,600,000

OPERATING LEASES (Details)

OPERATING LEASES (Details) - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Existence of Option to Extend [true false]	true
ROU asset	$ 7,900,000
Location of ROU asset	us-gaap:OtherAssetsMember
Lease liability	$ 8,013,000
Location of lease liability	us-gaap:OtherLiabilitiesMember
Lease expense	$ 1,900,000	$ 1,200,000	$ 462,000
Operating lease ,Existence of option to extend	true
Minimum [Member]
Lessee, Lease, Description [Line Items]
Renewal term	1 year
Noncancelable Operating Leases Terms	3 years
Maximum [Member]
Lessee, Lease, Description [Line Items]
Renewal term	20 years
Noncancelable Operating Leases Terms	10 years

OPERATING LEASES - Components o

OPERATING LEASES - Components of lease expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
OPERATING LEASES
Operating lease cost	$ 1,294	$ 527	$ 227
Short-term lease cost	644	679	235
Total operating lease cost	$ 1,938	$ 1,206	$ 462

OPEARTING LEASES - Future minim

OPEARTING LEASES - Future minimum commitments due (Details) $ in Thousands	Sep. 30, 2020USD ($)
OPERATING LEASES
2021	$ 1,337
2022	1,158
2023	890
2024	758
2025	536
Thereafter	5,528
Total lease payments	10,207
Less imputed interest	(2,194)
Total	$ 8,013

OPERATING LEASES - Lease term,

OPERATING LEASES - Lease term, discount rate and supplemental cash flow information (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2020USD ($)
OPERATING LEASES
Weighted-average remaining lease term (years)	18 years 6 months
Weighted-average discount rate	2.35%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 1,221
ROU assets obtained in exchange for lease obligations:
Operating leases	$ 9,083

OPERATING LEASES - Lessor Tenan

OPERATING LEASES - Lessor Tenants Under Non cancelable (Details) $ in Thousands	Sep. 30, 2020USD ($)
Lessor, Operating Lease, Payments, Fiscal Year Maturity [Abstract]
2021	$ 584
2022	507
2023	461
2024	461
2025	346
2026 and Thereafter	0
Total	$ 2,359

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Total commitments to extend credit	$ 130,679	$ 141,951
Fixed Rate Residential Mortgage [Member]
Total commitments to extend credit	12,547	28,079
Adjustable Rate Residential Mortgage [Member]
Total commitments to extend credit	25,512	22,546
Guarantees of third-party revolving credit [Member]
Total commitments to extend credit	182	157
Home Equity [Member]
Total commitments to extend credit	33,567	32,269
Commercial business
Total commitments to extend credit	40,136	35,718
Construction Loans In Process [Member]
Total commitments to extend credit	$ 18,735	$ 23,182

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Letters of Credit Outstanding, Amount	$ 8,800,000	$ 5,000,000
Loss contingency for potential restitution	951,000
Fixed Rate Residential Mortgage [Member]
Reserve for loan repurchases or indemnifications	290,000
Provisions for loan repurchases or indemnifications	$ 614,000

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Notional Amount	$ 1,399,421	$ 461,795
Asset Derivatives	15,163	3,399
Derivative liabilities (included in other liabilities)	1,827	329
Interest rate lock commitments
Notional Amount	793,671	258,545
Asset Derivatives	14,937	3,269
Derivative liabilities (included in other liabilities)	0
Forward mortgage loan sale contracts
Notional Amount	605,750	203,250
Asset Derivatives	226	130
Derivative liabilities (included in other liabilities)	$ 1,827	$ 329

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Income (loss) Related To Derivative Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Income (loss) related to derivative financial instruments	$ (10,744)	$ (573)	$ 417
Interest rate lock commitments
Income (loss) related to derivative financial instruments	11,668	2,889	380
Forward mortgage loan sale contracts
Income (loss) related to derivative financial instruments	$ (22,412)	$ (3,462)	$ 37

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Additional Information (Details) - USD ($) $ in Millions	Sep. 30, 2020	Sep. 30, 2019
DERIVATIVE FINANCIAL INSTRUMENTS
Cash collateral derivative counterparty obligations	$ 3	$ 0

FAIR VALUE MEASUREMENTS - Balan

FAIR VALUE MEASUREMENTS - Balances Of Financial Assets Measured At Fair Value On Recurring And Nonrecurring (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	$ 201,965	$ 177,302
Total loans held for sale	208,493	80,457
SBA loan servicing rights	3,748	3,030
Residential mortgage loans held for sale	1,090,063	810,658
Derivative assets (included in other assets)	15,163	3,399
Residential mortgage loan servicing rights, at fair value	21,703	934
Derivative liabilities (included in other liabilities)	1,827	329
Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	1,728
Agency mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	7,952	14,097
Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	9,805	9,048
Privately-issued CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	958	1,382
Privately-issued ABS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	960	1,178
SBA certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	694	1,154
Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	181,596	150,443
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	1,728
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	201,965	177,302
Derivative assets (included in other assets)	15,163
Equity securities (included in other assets)	66	85
Residential mortgage loan servicing rights, at fair value	21,703	934
Derivative liabilities (included in other liabilities)	1,827	329
Recurring | Agency mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	7,952	14,097
Recurring | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	9,805	9,048
Recurring | Privately-issued CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	958	1,382
Recurring | Privately-issued ABS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	960	1,178
Recurring | SBA certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	694	1,154
Recurring | Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	181,596	150,443
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	208,493	80,457
Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	15,241	11,889
SBA loan servicing rights		3,030
Total other real estate owned		1,893
Nonrecurring | Residential real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	5,329	4,438
Nonrecurring | Commercial real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	1,134	5,282
Nonrecurring | SBA Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	5,561
Nonrecurring | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	698
Nonrecurring | Commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	1,670	105
Nonrecurring | Land and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	2	1,853
Nonrecurring | Consumer
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	199	211
Nonrecurring | Small Business Administration Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	22,119	15,613
SBA loan servicing rights	3,748
Nonrecurring | SBA commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	648
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		1,893
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	54,913
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
SBA loan servicing rights		0
Residential mortgage loans held for sale	0	0
Derivative assets (included in other assets)	0	0
Equity securities (included in other assets)	66	85
Derivative liabilities (included in other liabilities)	0	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]
SBA loan 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
Equity securities (included in other assets)	66	85
Residential mortgage loan servicing rights, at fair value	0	0
Derivative liabilities (included in other liabilities)	0	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
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 | Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
SBA loan servicing rights		0
Total other real estate owned		0
Level 1 | 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 | 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 | Nonrecurring | SBA Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0
Level 1 | Nonrecurring | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0
Level 1 | Nonrecurring | Commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 1 | Nonrecurring | Land and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 1 | Nonrecurring | Consumer
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 1 | 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
SBA loan servicing rights	0
Level 1 | Nonrecurring | SBA commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0
Level 1 | 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 | 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	201,965	177,302
SBA loan servicing rights		0
Residential mortgage loans held for sale	0	0
Derivative assets (included in other assets)	226	130
Equity securities (included in other assets)	0	0
Derivative liabilities (included in other liabilities)	1,827	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]
SBA loan servicing rights		0
Residential mortgage loans held for sale	263,519	80,457
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	201,965	177,302
Derivative assets (included in other assets)	226
Equity securities (included in other assets)	0	0
Residential mortgage loan servicing rights, at fair value	0	0
Derivative liabilities (included in other liabilities)	1,827	329
Level 2 | Recurring | Agency mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	7,952	14,097
Level 2 | Recurring | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	9,805	9,048
Level 2 | Recurring | Privately-issued CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	958	1,382
Level 2 | Recurring | Privately-issued ABS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	960	1,178
Level 2 | Recurring | SBA certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	694	1,154
Level 2 | Recurring | Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	181,596	150,443
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	208,493	80,457
Level 2 | Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
SBA loan servicing rights		0
Total other real estate owned		0
Level 2 | 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 | 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 | Nonrecurring | SBA Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0
Level 2 | Nonrecurring | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0
Level 2 | Nonrecurring | Commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 2 | Nonrecurring | Land and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 2 | Nonrecurring | Consumer
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0	0
Level 2 | Nonrecurring | Small Business Administration Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	22,119	15,613
SBA loan servicing rights	0
Level 2 | Nonrecurring | SBA commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	0
Level 2 | 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 | 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	54,913
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available for sale	0	0
SBA loan servicing rights		3,030
Residential mortgage loans held for sale	1,152,962	841,646
Derivative assets (included in other assets)	14,937	3,269
Equity securities (included in other assets)	0	0
Derivative liabilities (included in other liabilities)	0	0
Level 3 | Auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned	1,728
Level 3 | Residential mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
SBA loan 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	1,728
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)	14,937
Equity securities (included in other assets)	0	0
Residential mortgage loan servicing rights, at fair value	21,703	934
Derivative liabilities (included in other liabilities)	0	0
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
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 | Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	15,241	11,889
SBA loan servicing rights		3,030
Total other real estate owned		1,893
Level 3 | Nonrecurring | Residential real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	5,329	4,438
Level 3 | Nonrecurring | Commercial real estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	1,134	5,282
Level 3 | Nonrecurring | SBA Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	5,561
Level 3 | Nonrecurring | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	698
Level 3 | Nonrecurring | Commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	1,670	105
Level 3 | Nonrecurring | Land and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	2	1,853
Level 3 | Nonrecurring | Consumer
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	199	211
Level 3 | 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
SBA loan servicing rights	3,748
Level 3 | Nonrecurring | SBA commercial business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	648
Level 3 | 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		$ 1,893
Level 3 | 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 - Recon

FAIR VALUE MEASUREMENTS - Reconciliation of derivative Assets measured on a Recurring Basis, Unobservable Input (Level 3) (Details) - USD ($)	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
FAIR VALUE MEASUREMENTS
Beginning balance	$ 3,269,000	$ 380,000	$ 0
Unrealized gains recognized in earnings, net of settlements	11,668,000	2,889,000	380,000
Ending balance	$ 14,937,000	$ 3,269,000	$ 380,000

FAIR VALUE MEASUREMENTS - Signi

FAIR VALUE MEASUREMENTS - Significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a recurring basis (Details) - Interest rate lock commitments	Sep. 30, 2020	Sep. 30, 2019
Pull-through rate [Member] | Maximum [Member]
Fixed interest rate	100.00%	100.00%
Pull-through rate [Member] | Minimum [Member]
Fixed interest rate	0.00%	55.00%
Pull-through rate [Member] | Weighted Average [Member]
Fixed interest rate	80.00%	79.24%
Direct costs to close [Member] | Maximum [Member]
Fixed interest rate	1.01%
Direct costs to close [Member] | Minimum [Member]
Fixed interest rate	0.31%
Direct costs to close [Member] | Weighted Average [Member]
Fixed interest rate	0.52%	1.00%

FAIR VALUE MEASUREMENTS - Summa

FAIR VALUE MEASUREMENTS - Summary of reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) (Details) - Mortgage Service Rights - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 934	$ 0
Issuances (loans sold with servicing retained)	24,058	940
Net settlements	(1,542)	(6)
Unrealized gains (losses) included in earnings	(1,747)	0
Ending balance	$ 21,703	$ 934

FAIR VALUE MEASUREMENTS - Sum_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) (Details)	Sep. 30, 2020	Sep. 30, 2019
Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	9.25	9.25
Prepayment rate | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	2.99	4.42
Prepayment rate | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	86.98	72.79
Prepayment rate | Weighted Average [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	18.08	18.75

FAIR VALUE MEASUREMENTS (Provis

FAIR VALUE MEASUREMENTS (Provisions For Loan Losses Recognized For Impaired Loans) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Provision for loan losses recognized	$ 2,424	$ 860	$ 573

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, 2020	Sep. 30, 2019	Sep. 30, 2018
FAIR VALUE MEASUREMENTS
Charges to write down SBA loan servicing rights	$ (116)	$ 113	$ 177

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, 2020	Sep. 30, 2019	Sep. 30, 2018
FAIR VALUE MEASUREMENTS
Charges to write down other real estate owned	$ 0	$ 0	$ 63

FAIR VALUE MEASUREMENTS - Sum_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, 2020	Sep. 30, 2019	Sep. 30, 2018
Residential mortgage loans held for sale Aggregate Fair Value	$ 208,493	$ 80,457
Residential mortgage loans held for sale Aggregate Principal Balance	198,138	77,787
Residential mortgage loans held for sale Difference	10,355	2,670
Mortgage Banking [Member]
Residential mortgage loans held for sale Difference	$ 7,504	$ 2,492	$ 257

FAIR VALUE MEASUREMENTS - Sum_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, 2020	Sep. 30, 2019	Sep. 30, 2018
Gains - included in mortgage banking income	$ 117,852	$ 33,007	$ 2,318
Total gains and interest included in earnings	14,760	4,008	633
Interest income [Member]
Interest income	$ 7,256	$ 1,516	$ 376

FAIR VALUE MEASUREMENTS (Carryi

FAIR VALUE MEASUREMENTS (Carrying Value And Estimated Fair Value Of Financial Instruments) (Detail) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019	Sep. 20, 2018
Financial assets:
Cash and due from banks	$ 12,807	$ 13,008
Interest-bearing deposits with banks	20,919	28,424
Fair Value	201,965	177,302
Securities held to maturity	2,102	2,336
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	1,090,063	810,658
SBA loan servicing rights	3,748	3,030
Derivative assets (included in other assets)	15,163	3,399
Mortgage servicing rights (included in other assets)	21,703	934
Financial liabilities:
Deposits	1,048,076	834,384
Borrowings from FHLB	310,858	222,544
Subordinated note			$ 20,000
Accrued interest payable	683	935
Advance payments by borrowers for taxes and insurance	2,615	1,906
Derivative liabilities (included in other liabilities)	1,827	329
Level 1
Financial assets:
Cash and due from banks	12,807	13,008
Interest-bearing deposits with banks	20,919	28,424
Interest-bearing time deposits	0	0
Fair Value	0	0
Securities held to maturity	0	0
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	0	0
FRB and FHLB stock
Accrued interest receivable	0	0
SBA loan servicing rights		0
Derivative assets (included in other assets)	0	0
Equity securities (included in other assets)	66	85
Financial liabilities:
Deposits	0	0
Federal funds purchased		0
Borrowings from FHLB	0	0
Subordinated note	0	0
Federal Reserve PPPFL Borrowings	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)	0	0
Level 1 | Small Business Administration Loans [Member]
Financial assets:
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	0	0
Level 1 | Residential mortgage loans held for sale [Member]
Financial assets:
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	0	0
SBA loan servicing rights		0
Level 2
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	2,964	2,265
Fair Value	201,965	177,302
Securities held to maturity	2,385	2,670
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	0	0
FRB and FHLB stock
Accrued interest receivable	6,462	5,041
SBA loan servicing rights		0
Derivative assets (included in other assets)	226	130
Equity securities (included in other assets)	0	0
Financial liabilities:
Deposits	0	0
Federal funds purchased		4,000
Borrowings from FHLB	310,766	222,432
Subordinated note	23,788	21,143
Federal Reserve PPPFL Borrowings	174,808
Accrued interest payable	683	935
Advance payments by borrowers for taxes and insurance	2,615	1,906
Derivative liabilities (included in other liabilities)	1,827	329
Level 2 | Small Business Administration Loans [Member]
Financial assets:
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	24,666	17,040
Level 2 | Residential mortgage loans held for sale [Member]
Financial assets:
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	263,519	80,457
SBA loan servicing rights		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 $17,026 at September 30, 2020 and $10,040 at September 30, 2019	1,152,962	841,646
FRB and FHLB stock
Accrued interest receivable	0	0
SBA loan servicing rights		3,030
Derivative assets (included in other assets)	14,937	3,269
Equity securities (included in other assets)	0	0
Financial liabilities:
Deposits	1,050,569	835,384
Federal funds purchased		0
Borrowings from FHLB	0	0
Subordinated note	0	0
Federal Reserve PPPFL Borrowings	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)	0	0
Level 3 | Small Business Administration Loans [Member]
Financial assets:
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	0	0
Level 3 | Residential mortgage loans held for sale [Member]
Financial assets:
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	0	0
SBA loan servicing rights		934
Estimate of Fair Value Measurement [Member]
Financial assets:
Cash and due from banks	12,807	13,008
Interest-bearing deposits with banks	20,919	28,424
Interest-bearing time deposits	2,964	2,265
Fair Value	201,965	177,302
Securities held to maturity	2,102	2,336
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	1,090,063	810,658
FRB and FHLB stock	17,293	13,040
Accrued interest receivable	6,462	5,041
SBA loan servicing rights	3,748	3,030
Derivative assets (included in other assets)	15,163	3,399
Equity securities (included in other assets)	66	85
Financial liabilities:
Deposits	1,048,076	834,384
Federal funds purchased		4,000
Borrowings from FHLB	310,858	222,544
Subordinated note	19,797	19,729
Federal Reserve PPPFL Borrowings	174,834
Accrued interest payable	683	935
Advance payments by borrowers for taxes and insurance	2,615	1,906
Derivative liabilities (included in other liabilities)	1,827	329
Estimate of Fair Value Measurement [Member] | Small Business Administration Loans [Member]
Financial assets:
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	22,119	15,613
Estimate of Fair Value Measurement [Member] | Residential mortgage loans held for sale [Member]
Financial assets:
Loans, net of allowance for loan losses of $17,026 at September 30, 2020 and $10,040 at September 30, 2019	263,406	80,457
SBA loan servicing rights	21,703	$ 934
Estimate of Fair Value Measurement [Member] | Level 1
Financial assets:
SBA loan servicing rights	0
Estimate of Fair Value Measurement [Member] | Level 1 | Residential mortgage loans held for sale [Member]
Financial assets:
SBA loan servicing rights	0
Estimate of Fair Value Measurement [Member] | Level 2
Financial assets:
SBA loan servicing rights	0
Estimate of Fair Value Measurement [Member] | Level 2 | Residential mortgage loans held for sale [Member]
Financial assets:
SBA loan servicing rights	0
Estimate of Fair Value Measurement [Member] | Level 3
Financial assets:
SBA loan servicing rights	3,934
Estimate of Fair Value Measurement [Member] | Level 3 | Residential mortgage loans held for sale [Member]
Financial assets:
SBA loan servicing rights	$ 21,703

FAIR VALUE MEASUREMENTS (Additi

FAIR VALUE MEASUREMENTS (Additional information) (Detail)	12 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2018USD ($)	Sep. 30, 2017USD ($)
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis with Unobservable Inputs	$ 14,937,000	$ 3,269,000	$ 380,000	$ 0
Discount rate
Other Real Estate Owned, Measurement Input	30.9	10.5
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	19.86%	26.61%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	26.68%	21.17%
Maximum [Member] | Discount rate
Other Real Estate Owned, Measurement Input		15
Maximum [Member] | Collateral [Member] | Discount rate
Fair value inputs discount rate	12.00%	12.00%
Maximum [Member] | Impaired Loans [Member] | Discount rate
Fair value inputs discount rate	75.00%	75.00%
Maximum [Member] | SBA | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	19.86%	26.61%
Maximum [Member] | SBA | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	26.68%	21.17%
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	3.58%	6.82%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	8.69%	6.80%
Minimum [Member] | Discount rate
Other Real Estate Owned, Measurement Input		0
Minimum [Member] | Collateral [Member] | Discount rate
Fair value inputs discount rate	0.00%	0.00%
Minimum [Member] | Impaired Loans [Member] | Discount rate
Fair value inputs discount rate	0.00%	0.00%
Minimum [Member] | SBA | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	3.58%	6.82%
Minimum [Member] | SBA | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	8.69%	6.80%
Weighted Average [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	8.36%	11.11%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	17.46%	14.10%
Weighted Average [Member] | SBA | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	8.36%	11.11%
Weighted Average [Member] | SBA | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	17.46%	14.10%

CAPITAL REQUIREMENTS AND REST_3

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Bank's Actual Capital Amounts And Ratios) (Detail) $ in Thousands	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)
Consolidated
Total capital (to risk-weighted assets) Actual Amount	$ 168,617	$ 130,700
Tier I capital (to risk-weighted assets) Actual Amount	133,520	100,931
Common equity tier I capital (to risk-weighted assets) Actual Amount	133,520	100,931
Tier I capital (to average adjusted total assets) Actual Amount	$ 133,520	$ 100,931
Total capital (to risk weighted assets) Actual Ratio	13.37	13.85
Tier I capital (to risk-weighted assets) Actual Ratio	10.58	10.70
Common equity tier I capital (to risk-weighted assets) Actual Ratio	10.58%	10.70%
Tier I capital (to average adjusted total assets) Actual Ratio	8.53	8.39
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 100,929	$ 75,474
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	75,697	56,606
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	56,773	42,454
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 62,617	$ 48,142
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	8	8
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	6	6
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	4
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	$ 160,452	$ 121,160
Tier I capital (to risk-weighted assets) Actual Amount	145,152	111,120
Common equity tier I capital (to risk-weighted assets) Actual Amount	145,152	111,120
Tier I capital (to average adjusted total assets) Actual Amount	$ 145,152	$ 111,120
Total capital (to risk weighted assets) Actual Ratio	12.75	12.88
Tier I capital (to risk-weighted assets) Actual Ratio	11.53	11.81
Common equity tier I capital (to risk-weighted assets) Actual Ratio	11.53%	11.81%
Tier I capital (to average adjusted total assets) Actual Ratio	9.37	9.34
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 100,672	$ 75,249
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	75,504	56,437
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	56,428	42,327
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 61,966	$ 47,564
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	8	8
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	6	6
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	4
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 125,840	$ 94,061
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	100,672	75,249
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	81,796	61,140
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 77,458	$ 59,455
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	10	10
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	8	8
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	5

CAPITAL REQUIREMENTS AND REST_4

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS - Additional Information (Details) $ in Millions	Mar. 31, 2008USD ($)
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Liquidation Account	$ 29.3

SUPPLEMENTAL DISCLOSURE FOR E_3

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE - (Net income Per Share Information) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	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, 2020	Sep. 30, 2019	Sep. 30, 2018
Earnings:
Net income (loss) attributable to First Savings Financial Group, Inc.	$ 15,137	$ 15,405	$ (627)	$ 3,439	$ 5,321	$ 4,392	$ 3,533	$ 2,931	$ 2,744	$ 3,106	$ 1,646	$ 3,406	$ 33,354	$ 16,177	$ 10,902
Shares:
Weighted average common shares outstanding, basic													2,356,680	2,315,697	2,258,020
Net income per common share, basic	$ 6.40	$ 6.51	$ (0.27)	$ 1.47	$ 2.28	$ 1.88	$ 1.53	$ 1.28	$ 1.20	$ 1.37	$ 0.73	$ 1.53	$ 14.15	$ 6.99	$ 4.83
Earnings:
Net income attributable to First Savings Financial Group, Inc.													$ 33,354	$ 16,177	$ 10,902
Shares:
Weighted average common shares outstanding, basic													2,356,680	2,315,697	2,258,020
Add: Dilutive effect of outstanding options													16,180	50,623	107,274
Add: Dilutive effect of restricted stock													3,094	5,764	7,260
Weighted average common shares outstanding, as adjusted													2,375,954	2,372,084	2,372,554
Net income per common share, diluted	$ 6.39	$ 6.51	$ (0.26)	$ 1.44	$ 2.24	$ 1.85	$ 1.50	$ 1.24	$ 1.15	$ 1.31	$ 0.69	$ 1.44	$ 14.04	$ 6.82	$ 4.60

SUPPLEMENTAL DISCLOSURE FOR E_4

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE - Additional Information (Detail) - shares	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
STOCK-BASED COMPENSATION PLANS
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	22,158	7,200	4,800

PARENT COMPANY CONDENSED FINA_3

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - (Balance Sheets) (Detail) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018	Sep. 20, 2018	Oct. 15, 2014
Assets:
Cash and due from banks	$ 12,807	$ 13,008
Other assets	30,126	11,530			$ 4,200
Total Assets	1,764,625	1,222,579	$ 1,034,406
Liabilities and Equity:
Subordinated note				$ 20,000
Stockholders' equity	157,272	121,053
Total Liabilities and Equity	1,764,625	1,222,579
Reportable Legal Entities [Member] | Parent Company [Member]
Assets:
Cash and due from banks	4,762	6,474
Other assets	988	816
Investment in subsidiaries	171,871	133,760
Total Assets	177,621	141,050
Liabilities and Equity:
Subordinated note	19,797	19,729
Accrued expenses	552	268
Stockholders' equity	157,272	121,053
Total Liabilities and Equity	$ 177,621	$ 141,050

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, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	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, 2020	Sep. 30, 2019	Sep. 30, 2018
Dividend income from subsidiaries														$ 617	$ 643	$ 465
Income (loss) before income taxes and equity in undistributed net income of subsidiaries		$ 23,228	$ 21,149	$ (1,876)	$ 4,241	$ 7,023	$ 5,711	$ 3,730	$ 3,626	$ 3,710	$ 4,373	$ 2,560	$ 4,115	46,742	20,090	14,758
Income tax benefit	$ 619	7,257	5,540	(774)	638	1,359	748	466	522	766	696	338	622	12,661	3,095	2,422
Net income (loss)		15,971	15,609	(1,102)	3,603	$ 5,664	$ 4,963	$ 3,264	$ 3,104	$ 2,944	$ 3,677	$ 2,222	$ 3,493	34,081	16,995	12,336
Equity in undistributed net income of subsidiaries		$ (834)	$ (204)	$ 475	$ (164)									(727)	(818)	(1,434)
Net income (loss)														33,354	16,177	10,902
Parent Company [Member]
Dividend income from subsidiaries														1,000	750	9,875
Interest expense														(1,274)	(1,277)	(33)
Other operating expenses														(1,002)	(882)	(921)
Income (loss) before income taxes and equity in undistributed net income of subsidiaries														(1,276)	(1,409)	8,921
Income tax benefit														598	747	408
Net income (loss)														(678)	(662)	9,329
Equity in undistributed net income of subsidiaries														34,032	16,839	1,573
Net income (loss)														33,354	16,177	10,902
Reportable Legal Entities [Member] | Parent Company [Member]
Equity in undistributed net income of subsidiaries														34,032	16,839	1,573
Net income (loss)														$ 33,354	$ 16,177	$ 10,902

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, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Operating Activities:
Net income (loss)					$ 33,354	$ 16,177	$ 10,902
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries	$ 834	$ 204	$ (475)	$ 164	727	818	1,434
Stock compensation expense					279	246	217
Net change in other assets and liabilities					(7,314)	81	(2,536)
Net cash provided by (used in) operating activities					(139,689)	(44,725)	17,965
Investing Activities:
Investment in interest-bearing time deposits					(1,145)	(1,085)	(980)
Net cash used in investing activities					(339,433)	(112,127)	(50,492)
Financing Activities:
Net proceeds from subordinated note					0	0	19,661
Exercise of stock options					148	408	362
Tax paid on stock award shares for employees					53	32	46
Net cash provided by (used) in financing activities					471,416	156,010	40,542
Net increase (decrease) in cash and due from banks					(7,706)	(842)	8,015
Cash and cash equivalents at beginning of year				41,432	41,432	42,274	34,259
Cash and Cash Equivalents at End of Year	33,726				33,726	41,432	42,274
Parent Company [Member]
Operating Activities:
Net income (loss)					33,354	16,177	10,902
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries					(34,032)	(16,839)	(1,573)
Reportable Legal Entities [Member] | Parent Company [Member]
Operating Activities:
Net income (loss)					33,354	16,177	10,902
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries					(34,032)	(16,839)	(1,573)
Stock compensation expense					279	246	217
Net change in other assets and liabilities					182	(184)	(162)
Net cash provided by (used in) operating activities					(217)	(600)	9,384
Investing Activities:
Acquisition of Dearmin					0	0	(9,148)
Investment in bank subsidiary					0	(2,000)	(10,000)
Proceeds from maturities of interest-bearing time deposits					0	0	10
Net cash used in investing activities					0	(2,000)	(19,138)
Financing Activities:
Net proceeds from subordinated note					0	0	19,661
Exercise of stock options					148	408	362
Tax paid on stock award shares for employees					(53)	(32)	(46)
Dividends paid					(1,590)	(1,472)	(1,343)
Net cash provided by (used) in financing activities					(1,495)	(1,096)	18,634
Net increase (decrease) in cash and due from banks					(1,712)	(3,696)	8,880
Cash and cash equivalents at beginning of year				$ 6,474	6,474	10,170	1,290
Cash and Cash Equivalents at End of Year	$ 4,762				$ 4,762	$ 6,474	$ 10,170

CONCENTRATION OF CREDIT RISK -

CONCENTRATION OF CREDIT RISK - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CONCENTRATION OF CREDIT RISK
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 7.2	$ 8.8

SUPPLEMENTAL DISCLOSURE OF CA_3

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION - (Cash Flow Information) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Cash payments for:
Interest	$ 10,817	$ 10,729	$ 5,873
Income taxes (net of refunds received)	3,971	1,572	1,759
Noncash investing and financing activities:
Transfers from loans to loans held for sale	15,916	0	0
Transfers from loans to other real estate owned	0	114	133
Proceeds from sales of other real estate owned financed through loans	0	112	453
Right-of-use assets obtained in exchange for lease obligations	9,083
Cashless exercise of stock options	249	542	387
Transfers from premises and equipment to other real estate owned	$ 0	$ 1,893	$ 0

SELECTED QUARTERLY FINANCIAL _3

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Detail) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended												12 Months Ended
	Dec. 31, 2017	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	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, 2020	Sep. 30, 2019	Sep. 30, 2018
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest income		$ 17,125	$ 15,344	$ 13,693	$ 13,767	$ 13,829	$ 13,058	$ 12,307	$ 11,801	$ 11,381	$ 11,206	$ 10,146	$ 9,426	$ 59,929	$ 50,995	$ 42,159
Interest expense		2,337	2,543	2,783	2,875	3,069	3,166	2,446	2,225	1,842	1,699	1,423	1,373	10,538	10,906	6,337
Net interest income		14,788	12,801	10,910	10,892	10,760	9,892	9,861	9,576	9,539	9,507	8,723	8,053	49,391	40,089	35,822
Provision for loan losses		2,772	2,980	1,705	505	471	337	340	315	254	266	371	462	7,962	1,463	1,353
Net interest income after provision for loan losses		12,016	9,821	9,205	10,387	10,289	9,555	9,521	9,261	9,285	9,241	8,352	7,591	41,429	38,626	34,469
Noninterest income		55,664	46,337	10,994	18,126	18,340	12,644	7,089	5,781	4,568	3,254	2,567	2,906	131,121	43,854	13,295
Noninterest expense (income)		44,452	35,009	22,075	24,272	21,606	16,488	12,880	11,416	10,143	8,122	8,359	6,382	125,808	62,390	33,006
Income (loss) before income taxes		23,228	21,149	(1,876)	4,241	7,023	5,711	3,730	3,626	3,710	4,373	2,560	4,115	46,742	20,090	14,758
Income tax expense (benefit)	$ 619	7,257	5,540	(774)	638	1,359	748	466	522	766	696	338	622	12,661	3,095	2,422
Net income (loss)		15,971	15,609	(1,102)	3,603	5,664	4,963	3,264	3,104	2,944	3,677	2,222	3,493	34,081	16,995	12,336
Net income (loss) attributable to noncontrolling interest in subsidiary						343	571	269	173	200	571	576	87
Net income (loss) attributable to First Savings Financial Group, Inc.		15,137	15,405	(627)	3,439	$ 5,321	$ 4,392	$ 3,533	$ 2,931	$ 2,744	$ 3,106	$ 1,646	$ 3,406	33,354	16,177	10,902
Net income (loss) attributable to noncontrolling interest in subsidiary		$ 834	$ 204	$ (475)	$ 164									$ 727	$ 818	$ 1,434
Net income per common share, basic		$ 6.40	$ 6.51	$ (0.27)	$ 1.47	$ 2.28	$ 1.88	$ 1.53	$ 1.28	$ 1.20	$ 1.37	$ 0.73	$ 1.53	$ 14.15	$ 6.99	$ 4.83
Net income per common share, diluted		$ 6.39	$ 6.51	$ (0.26)	$ 1.44	$ 2.24	$ 1.85	$ 1.50	$ 1.24	$ 1.15	$ 1.31	$ 0.69	$ 1.44	$ 14.04	$ 6.82	$ 4.60

SEGMENT REPORTING - Financial S

SEGMENT REPORTING - Financial Statements Information (Detail) $ in Thousands	1 Months Ended	3 Months Ended												12 Months Ended
	Dec. 31, 2017USD ($)	Sep. 30, 2020USD ($)	Jun. 30, 2020USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Sep. 30, 2020USD ($)segment	Sep. 30, 2019USD ($)	Sep. 30, 2018USD ($)
Number of operating segments | segment														3
Net interest income (loss)		$ 14,788	$ 12,801	$ 10,910	$ 10,892	$ 10,760	$ 9,892	$ 9,861	$ 9,576	$ 9,539	$ 9,507	$ 8,723	$ 8,053	$ 49,391	$ 40,089	$ 35,822
Provision for loan losses		2,772	2,980	1,705	505	471	337	340	315	254	266	371	462	7,962	1,463	1,353
Net interest income (loss) after provision		12,016	9,821	9,205	10,387	10,289	9,555	9,521	9,261	9,285	9,241	8,352	7,591	41,429	38,626	34,469
Net gains on sales of loans, SBA														5,673	4,569	5,493
Mortgage banking income														117,852	33,007	2,318
Noninterest income		55,664	46,337	10,994	18,126	18,340	12,644	7,089	5,781	4,568	3,254	2,567	2,906	131,121	43,854	13,295
Noninterest expense (income)		44,452	35,009	22,075	24,272	21,606	16,488	12,880	11,416	10,143	8,122	8,359	6,382	125,808	62,390	33,006
Income (loss) before income taxes		23,228	21,149	(1,876)	4,241	7,023	5,711	3,730	3,626	3,710	4,373	2,560	4,115	46,742	20,090	14,758
Income tax expense (benefit)	$ 619	7,257	5,540	(774)	638	1,359	748	466	522	766	696	338	622	12,661	3,095	2,422
Segment profit (loss)		15,971	$ 15,609	$ (1,102)	$ 3,603	5,664	$ 4,963	$ 3,264	$ 3,104	2,944	$ 3,677	$ 2,222	$ 3,493	34,081	16,995	12,336
Noncash items:
Depreciation and amortization														1,858	1,684	1,373
Segment assets		1,764,625				1,222,579				1,034,406				1,764,625	1,222,579	1,034,406
Core Banking Segment [Member]
Net interest income (loss)														39,408	36,524	32,436
Provision for loan losses														4,636	(242)	(69)
Net interest income (loss) after provision														34,772	36,766	32,505
Net gains on sales of loans, SBA														0	0	0
Mortgage banking income														8	33	587
Noninterest income														5,905	5,650	5,752
Noninterest expense (income)														29,772	28,852	25,622
Income (loss) before income taxes														10,905	13,564	12,635
Income tax expense (benefit)														2,265	2,143	2,615
Segment profit (loss)														8,640	11,421	10,020
Noncash items:
Depreciation and amortization														1,558	1,467	1,309
Segment assets		1,459,467				1,124,526				1,014,301				1,459,467	1,124,526	1,014,301
SBA Lending Segment [Member]
Net interest income (loss)														5,911	4,145	3,012
Provision for loan losses														3,326	1,705	1,422
Net interest income (loss) after provision														2,585	2,440	1,590
Net gains on sales of loans, SBA														5,673	4,569	5,493
Mortgage banking income														0	0	0
Noninterest income														6,751	5,182	5,812
Noninterest expense (income)														7,853	5,953	4,434
Income (loss) before income taxes														1,483	1,669	2,968
Income tax expense (benefit)														189	213	424
Segment profit (loss)														1,294	1,456	2,544
Noncash items:
Depreciation and amortization														51	49	50
Segment assets		283,994				84,661				66,970				283,994	84,661	66,970
Mortgage Banking Segment [Member]
Net interest income (loss)														5,276	636	376
Provision for loan losses														0	0	0
Net interest income (loss) after provision														5,276	636	376
Net gains on sales of loans, SBA														0	0	0
Mortgage banking income														117,844	32,974	1,731
Noninterest income														118,465	33,022	1,731
Noninterest expense (income)														88,573	27,760	2,872
Income (loss) before income taxes														35,168	5,898	(765)
Income tax expense (benefit)														10,793	1,475	(214)
Segment profit (loss)														24,375	4,423	(551)
Noncash items:
Depreciation and amortization														181	100	14
Segment assets		293,973				88,645				10,834				293,973	88,645	10,834
Other Segment [Member]
Net interest income (loss)														(1,204)	(1,216)	(2)
Provision for loan losses														0	0	0
Net interest income (loss) after provision														(1,204)	(1,216)	(2)
Net gains on sales of loans, SBA														0	0	0
Mortgage banking income														0	0	0
Noninterest income														0	0	0
Noninterest expense (income)														(390)	(175)	78
Income (loss) before income taxes														(814)	(1,041)	(80)
Income tax expense (benefit)														(586)	(736)	(403)
Segment profit (loss)														(228)	(305)	323
Noncash items:
Depreciation and amortization														68	68	0
Segment assets		$ (272,809)				$ (75,253)				$ (57,699)				$ (272,809)	$ (75,253)	$ (57,699)

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, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	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, 2020	Sep. 30, 2019	Sep. 30, 2018
Revenue from contracts with customers													$ 4,086	$ 4,367	$ 4,000
Gain (loss) on securities													7	(74)	99
Net gains on sales of loans, SBA													5,673	4,569	5,493
Mortgage banking income													117,852	33,007	2,318
Increase in cash value of life insurance													732	580	430
Real estate lease income													589	594	5
Other													2,182	811	950
Other noninterest income													127,035	39,487	9,295
Total noninterest income	$ 55,664	$ 46,337	$ 10,994	$ 18,126	$ 18,340	$ 12,644	$ 7,089	$ 5,781	$ 4,568	$ 3,254	$ 2,567	$ 2,906	131,121	43,854	13,295
Service charges on deposit accounts
Revenue from contracts with customers													1,581	1,957	1,731
ATM and interchange fees
Revenue from contracts with customers													2,116	1,949	1,580
Investment advisory income
Revenue from contracts with customers													288	324	550
Other
Revenue from contracts with customers													$ 101	$ 137	$ 139