First Savings Financial (FSFG) 10-K 14 Dec 22 2022 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2022	Dec. 07, 2022	Mar. 31, 2022
Document And Entity Information
Document Type	10-K
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2022
Entity File Number	1-34155
Entity Registrant Name	FIRST SAVINGS FINANCIAL GROUP, INC.
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
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	FSFG
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
ICFR Auditor Attestation Flag	true
Entity Public Float			$ 136
Entity Common Stock, Shares Outstanding		6,991,313
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Entity Central Index Key	0001435508
Amendment Flag	false
Auditor Name	Monroe Shine & Co., Inc.
Auditor Firm ID	590
Auditor Location	New Albany, Indiana

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
ASSETS
Cash and due from banks	$ 18,312	$ 14,191
Interest-bearing deposits with banks	23,353	19,237
Total cash and cash equivalents	41,665	33,428
Interest-bearing time deposits	1,613	2,222
Securities available for sale, at fair value	316,517	206,681
Securities held to maturity	1,558	1,837
Loans held for sale, residential mortgage at fair value	38,579	167,813
Loans held for sale, single tenant net lease		23,020
Loans held for sale, Small Business Administration	21,883	24,107
Loans, net of allowance for loan losses of $15,360 at September 30, 2022 and $14,301 at September 30, 2021	1,436,555	1,075,936
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	20,004	19,258
Premises and equipment	27,100	27,669
Other real estate owned, held for sale	203	1,728
Accrued interest receivable:
Loans	5,379	4,398
Securities	2,953	1,845
Cash surrender value of life insurance	45,145	44,152
Goodwill	9,848	9,848
Core deposit intangibles	775	988
Residential mortgage loan servicing rights, at fair value	63,263	49,579
Nonresidential mortgage loan servicing rights	141
SBA loan servicing rights	3,790	4,447
Other assets	20,691	22,438
Total Assets	2,057,662	1,721,394
Deposits:
Noninterest-bearing	340,172	291,039
Interest-bearing	1,175,662	936,541
Total deposits	1,515,834	1,227,580
Federal Home Loan Bank borrowings	307,303	250,000
Other borrowings	50,217	19,865
Accrued interest payable	1,302	258
Advance payments by borrowers for taxes and insurance	1,207	2,076
Accrued expenses and other liabilities	29,176	41,238
Total Liabilities	1,905,039	1,541,017
EQUITY
Preferred stock of $.01 par value per share; authorized 1,000,000 shares; none issued
Common stock of $.01 par value per share; authorized 20,000,000 shares; issued 7,757,271 shares (7,708,566 at September 30, 2021); outstanding 6,970,631 shares (7,125,888 shares at September 30, 2021)	78	78
Additional paid-in capital	26,770	25,721
Retained earnings - substantially restricted	162,985	150,185
Accumulated other comprehensive income (loss)	(27,079)	8,900
Unearned stock compensation	(969)	(138)
Less treasury stock, at cost - 786,640 shares (582,678 shares at September 30, 2021)	(9,162)	(4,369)
Total Stockholders' Equity	152,623	180,377
Total Liabilities and Stockholders' Equity	$ 2,057,662	$ 1,721,394

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
CONSOLIDATED BALANCE SHEETS
Loans, net of allowance for loan losses	$ 15,360	$ 14,301
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, shares authorized	20,000,000	20,000,000
Common stock, shares issued	7,757,271	7,708,566
Common stock, shares outstanding	6,970,631	7,125,888
Treasury stock, shares	786,640	582,678

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
INTEREST INCOME
Loans, including fees	$ 61,913	$ 58,114	$ 50,167
Securities:
Taxable	2,334	1,771	2,075
Tax-exempt	5,861	4,719	4,423
Dividend income	729	582	617
Interest-bearing deposits with banks	161	73	417
Total interest income	70,998	65,259	57,699
INTEREST EXPENSE
Deposits	4,902	3,195	5,659
Federal funds purchased and repurchase agreements			3
Federal Home Loan Bank borrowings	3,333	3,199	3,345
Federal Reserve PPPLF borrowings		400	220
Other borrowings	2,111	1,293	1,311
Total interest expense	10,346	8,087	10,538
Net interest income	60,652	57,172	47,161
Provision (credit) for loan losses	1,908	(1,767)	7,962
Net interest income after provision (credit) for loan losses	58,744	58,939	39,199
NONINTEREST INCOME
Service charges on deposit accounts	1,864	1,468	1,581
ATM and interchange fees	2,753	2,399	2,116
Net gain on sales of available for sale securities and time deposits	476		7
Net unrealized gain (loss) on equity securities	(10)	46	(19)
Net gain on sales of loans, Small Business Administration	3,698	8,740	5,673
Net gain on sales of loans, single tenant net lease	719
Mortgage banking income	38,337	104,504	120,733
Increase in cash surrender value of life insurance	993	785	732
Gain on life insurance		140
Commission income	717	589	288
Real estate lease income	571	592	589
Net gain (loss) on premises and equipment		78	(8)
Income from on tax credit investment	12	32	426
Other income	1,097	1,063	1,233
Total noninterest income	51,227	120,436	133,351
NONINTEREST EXPENSE
Compensation and benefits	61,530	102,951	92,904
Occupancy and equipment	8,167	9,906	8,958
Data processing	2,623	2,546	2,153
Advertising	3,199	6,574	7,346
Professional fees	4,639	5,583	3,606
FDIC insurance premiums	527	446	405
Net (gain) loss on other real estate owned	115	(64)	(1)
Other operating expenses	10,349	11,467	10,437
Total noninterest expense	91,149	139,409	125,808
Income before income taxes	18,822	39,966	46,742
Income tax expense	2,378	9,997	12,661
Net Income	16,444	29,969	34,081
Less: net income attributable to noncontrolling interests	0	402	727
Net Income Attributable to First Savings Financial Group, Inc.	$ 16,444	$ 29,567	$ 33,354
Net income per share:
Basic	$ 2.33	$ 4.16	$ 4.72
Diluted	$ 2.30	$ 4.12	$ 4.68
Weighted average shares outstanding:
Basic	7,058,550	7,107,786	7,070,040
Diluted	7,141,846	7,173,733	7,127,862
Dividends per share	$ 0.51	$ 0.36	$ 0.22

CONSOLIDATED STATEMENTS OF IN_2

CONSOLIDATED STATEMENTS OF INCOME (Parenthetical)		12 Months Ended
	Sep. 15, 2021	Sep. 30, 2021
CONSOLIDATED STATEMENTS OF INCOME
Stock split ratio	0.33	3

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Net Income	$ 16,444	$ 29,969	$ 34,081
Unrealized gains (losses) on securities available for sale:
Unrealized holding gains (losses) arising during the period	(45,068)	(2,923)	4,886
Income tax (expense) benefit	9,464	614	(968)
Net of tax amount	(35,604)	(2,309)	3,918
Less: reclassification adjustment for realized gains included in net income	(476)	0	(7)
Income tax expense	101	0	2
Net of tax amount	(375)	0	(5)
Other Comprehensive Income (Loss)	(35,979)	(2,309)	3,913
Comprehensive Income (Loss)	(19,535)	27,660	37,994
Less: comprehensive income attributable to noncontrolling interests	0	402	727
Comprehensive Income (Loss) Attributable to First Savings Financial Group, Inc.	$ (19,535)	$ 27,258	$ 37,267

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings Cumulative Effect Period Of Adoption Adjustment Member	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Unearned Stock Compensation	Treasury Stock	Noncontrolling Interests in Subsidiary	Cumulative Effect Period Of Adoption Adjustment Member	Total
Balances at Sep. 30, 2019	$ 26	$ 27,494		$ 91,228	$ 7,296	$ (446)	$ (4,545)	$ 204		$ 121,257
Net Income				33,354				727		34,081
Other comprehensive income (loss)					3,913					3,913
Common stock dividends				(1,590)						(1,590)
Distributions to noncontrolling interests								(638)		(638)
Restricted stock grants		95				(95)
Stock compensation expense		86				193				279
Stock option exercises		(195)					594			399
Purchase of treasury shares							(302)			(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			$ 166						$ 166
Net Income				29,567				402		29,969
Acquisition of minority interests in Q2		(1,874)						$ (695)		(2,569)
Other comprehensive income (loss)					(2,309)					(2,309)
Common stock dividends				(2,540)						(2,540)
Restricted stock forfeitures		(25)				25
Stock compensation expense		92				185				277
Stock option exercises		100					2			102
Purchase of treasury shares							(118)			(118)
Three-for-one stock split in the form of a stock dividend	52	(52)
Balances at Sep. 30, 2021	78	25,721		150,185	8,900	(138)	(4,369)			180,377
Cumulative effect adjustment, adoption of ASU 2016-02									4,600	150,185
Net Income				16,444						16,444
Acquisition of minority interests in Q2		(509)								(509)
Other comprehensive income (loss)					(35,979)					(35,979)
Common stock dividends				(3,644)						(3,644)
Restricted stock grants		1,222				(1,222)
Stock compensation expense		296				391				687
Stock option exercises		40								40
Purchase of treasury shares							(4,793)			(4,793)
Balances at Sep. 30, 2022	$ 78	$ 26,770		$ 162,985	$ (27,079)	$ (969)	$ (9,162)			152,623
Cumulative effect adjustment, adoption of ASU 2016-02									$ 4,600	$ 162,985

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)	12 Months Ended
	Sep. 30, 2022 $ / shares shares	Sep. 30, 2021 $ / shares shares	Sep. 30, 2020 $ / shares shares
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Common stock dividends - per share | $ / shares	$ 0.51	$ 0.36	$ 0.22
Restricted stock grants - shares	45,750		4,308
Restricted stock forfeitures - shares		1,500
Stock option exercises - shares	2,955	6,840	85,083
Purchase of treasury shares	203,962	5,424	14,106
Stock split ratio		3

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 16,444	$ 29,969	$ 34,081
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (credit) for loan losses	1,908	(1,767)	7,962
Depreciation and amortization	2,448	2,300	1,858
Amortization of premiums and accretion of discounts on securities, net	903	799	596
Amortization and accretion of fair value adjustments on loans, net	(1,529)	(1,490)	(935)
Loans originated for sale	(1,677,276)	(4,177,003)	(3,679,783)
Proceeds on sales of loans	1,806,926	4,347,642	3,597,497
Net realized and unrealized (gain) loss on loans held for sale	12,376	(56,677)	(88,738)
Capitalization of loan servicing rights	(12,167)	(38,659)	(25,508)
Net change in value of loan servicing rights	(1,001)	10,084	4,021
Net realized and unrealized (gain) loss on other real estate owned	115	(74)	(16)
Net gain on sales of available for sale securities and time deposits	(476)		(7)
Increase in cash surrender value of life insurance	(993)	(785)	(732)
Gain on life insurance		(140)
Net (gain) loss on equity securities	10	(46)	19
Net (gain) loss on sale of premises and equipment		(78)	8
Income from tax credit investments	(12)	(32)	(426)
Deferred income taxes	2,095	7,856	4,494
Stock compensation expense	688	277	279
(Increase) decrease in accrued interest receivable	(2,089)	219	(1,421)
Increase (decrease) in accrued interest payable	1,044	(425)	(252)
Change in other assets and liabilities, net	(602)	(7,077)	7,314
Net Cash Provided By (Used In) Operating Activities	148,812	114,893	(139,689)
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits	(245)	(497)	(1,145)
Proceeds from sales and maturities of interest-bearing time deposits	840	1,225	445
Purchase of securities available for sale	(211,141)	(29,517)	(37,809)
Proceeds from sales of securities available for sale	33,494		3,180
Proceeds from maturities of securities available for sale	13,598	16,737	8,235
Proceeds from maturities of securities held to maturity	260	247	248
Principal collected on securities	8,262	4,375	6,005
Net increase in loans	(348,738)	(26,566)	(304,202)
Proceeds from redemption of Federal Reserve Bank and Federal Home Loan Bank stock	592	53
Purchase of Federal Reserve Bank and Federal Home Loan Bank stock	(1,338)	(2,018)	(4,253)
Investment in cash surrender value of life insurance		(12,042)	(4,481)
Proceeds from life insurance	575
Proceeds from sale of other real estate owned	689	500	182
Purchase of premises and equipment	(835)	(5,640)	(7,308)
Proceeds from sales of premises and equipment		438	550
Distributions received from tax credit investments			920
Investment in partnership interests	(2,242)
Acquisition of minority interests in Q2		(3,172)
Net Cash Used In Investing Activities	(506,229)	(55,877)	(339,433)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	288,254	179,504	213,692
Net decrease in federal funds purchased			(4,000)
Increase (decrease) in Federal Home Loan Bank line of credit	12,303	(20,858)	8,314
Proceeds from Federal Home Loan Bank advances	1,130,000	455,000	350,000
Repayment of Federal Home Loan Bank advances	(1,085,000)	(495,000)	(270,000)
Net increase (decrease) in Federal Reserve PPPLF borrowings		(174,834)	174,834
Net proceeds from subordinated notes	30,258
Net increase (decrease) in advance payments by borrowers for taxes and insurance	(869)	(1,427)	709
Proceeds from exercise of stock options		27	148
Taxes paid on stock award shares for employees	(48)	(41)	(53)
Purchase of treasury shares	(4,745)
Dividends paid on common stock	(4,499)	(1,685)	(1,590)
Distributions to noncontrolling interests			(638)
Net Cash Provided By (Used In) Financing Activities	365,654	(59,314)	471,416
Net Increase (Decrease) in Cash and Cash Equivalents	8,237	(298)	(7,706)
Cash and cash equivalents at beginning of year	33,428	33,726	41,432
Cash and Cash Equivalents at End of Year	$ 41,665	$ 33,428	$ 33,726

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Sep. 30, 2022
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 originally owned 51% of Q2’s membership interests. On December 31, 2020, the Bank completed the acquisition of the minority interests in Q2, and Q2 became a wholly-owned subsidiary of the Bank. As part of the acquisition of the minority interests, the Bank paid or expects to pay total consideration of $3.7 million. The acquisition was accounted for as an equity transaction, and resulted in the reclassification of the noncontrolling interests of $695,000, the recognition of net deferred tax assets of $581,000 and a reduction of additional paid-in capital of $2.4 million. The Captive, which is a wholly-owned insurance subsidiary of the Company, is a Nevada corporation that provides property and casualty insurance to the Company, the Bank and the Bank’s active subsidiaries. In addition, the Captive provides reinsurance to 11 other third-party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace. Basis of Consolidation and Reclassifications The consolidated financial statements include the accounts of the Company and its subsidiaries, 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. ​ (1 - continued) Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate and other assets acquired in connection with foreclosures or in satisfaction of loans. In connection with the determination of the allowances for loan losses and the valuation of other real estate owned, management obtains independent appraisals for significant properties. A substantial portion of the 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 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. ​ (1 - continued) Investment Securities - continued 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. 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 The Company has 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, 2022 and 2021. At September 30, 2022 and 2021, SBA loans held for sale totaling $21.9 million and $24.1 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. ​ (1 - continued) Loans Held for Sale - continued During 2022 and 2021 the Company transferred certain single tenant net lease loans from loans to loans held for sale and sold those loans on the secondary market. At September 30, 2022, there were no single tenant net lease loans held for sale. At September 30, 2021, single tenant net lease loans held for sale totaling $23.0 million were carried at the lower of aggregate cost or fair value. Realized gains and losses on sales of single tenant net lease loans held for sale are determined using the specific identification method. Single tenant net lease loans held for sale are sold on a servicing retained basis. Transfers of Financial Assets The Company accounts for transfers and servicing of financial assets in accordance with FASB ASC 860, Transfers and Servicing Transfers of 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. ​ (1 - continued) Loans and Allowance for Loan Losses - continued Nonaccrual Loans The recognition of income on a loan is discontinued and previously accrued interest is reversed when interest or principal payments become 90 days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income on nonaccrual loans is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss is considered remote. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. Loan Charge-Offs For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs of loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 45 days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon when the carrying value of the loan exceeds the property’s fair value, less estimated costs to sell. Allowance for Loan Losses The allowance for loan losses reflects management’s judgment of probable incurred loan losses at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company evaluates the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. ​ (1 - continued) Loans and Allowance for Loan Losses - continued 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 lookback periods of 24 to 48 months. 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; 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; the existence and effect of any concentrations of credit and other factors as determined by management including peer data and the economic uncertainties surrounding the coronavirus (“COVID-19”) pandemic. 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. At September 30, 2022, the Company’s allowance for loan losses totaled $15.4 million, of which $13.4 million related to qualitative factor adjustments. At September 30, 2021, the Company’s allowance for loan losses totaled $14.3 million, of which $13.1 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 (including first-lien home equity lines of credit) 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. ​ (1 - continued) Loans and Allowance for Loan Losses - continued 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. 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 participated in the Paycheck Protection Program (“PPP”) and 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. 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, 2022, 2021, and 2020. ​ (1 - continued) Loans and Allowance for Loan Losses - continued Impaired Loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, 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 a loan 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. ​ (1 - continued) Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. The Company uses the straight line method of computing depreciation at rates adequate to amortize the cost of the applicable assets over their estimated useful lives. Maintenance and repairs are expensed as incurred. The cost and related accumulated depreciation of assets sold, or otherwise disposed of, are removed from the related accounts and any gain or loss is included in earnings. Other Real Estate Owned Other real estate owned includes formally foreclosed property, property obtained via a deed in lieu of foreclosure and former banking facilities held for sale. At the time of acquisition, foreclosed real estate is recorded at its fair value, less estimated costs to sell, which becomes the property’s new cost basis. Any write-downs based on the property’s fair value at the date of acquisition are charged to the allowance for loan losses. After acquisition or the decision to classify property as held for sale, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value, less estimated costs to sell. Costs incurred in maintaining other real estate owned and subsequent impairment adjustments to the carrying amount of a property, if any, are included in noninterest expense. Cash Surrender Value of Life Insurance The Bank has purchased life insurance policies on certain directors, officers and key employees to help offset costs associated with the Bank’s compensation and benefit programs. The Bank is the owner and is a joint or sole beneficiary of the policies. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Income from the increase in cash surrender value of the policies and income from the recognition of death benefits is reported in noninterest income. Goodwill and Other Intangibles Goodwill recognized in a business combination represents the excess of the fair value of consideration transferred over the fair value of assets acquired and liabilities assumed. Goodwill is evaluated for possible impairment at least annually or more frequently upon the occurrence of an event or change in circumstances that would more likely than not reduce the fair value of the reporting unit below its carrying amount. Such circumstances could include, but are not limited to: (1) a significant adverse change in legal factors or in business climate, (2) unanticipated competition, or (3) an adverse action or assessment by a regulator. Other intangible assets consist of acquired core deposit intangibles. Core deposit intangibles are amortized over the estimated economic lives of the acquired core deposits. The carrying amount of core deposit intangibles and the remaining estimated economic life are evaluated annually or whenever events or circumstances indicate the carrying amount may not be recoverable or the remaining period of amortization requires revision. ​ (1 - continued) 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 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 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 up

RESTRICTION ON CASH AND DUE FRO

RESTRICTION ON CASH AND DUE FROM BANKS	12 Months Ended
	Sep. 30, 2022
RESTRICTION ON CASH AND DUE FROM BANKS
RESTRICTION ON CASH AND DUE FROM BANKS	(2) 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. In March of 2020, the Federal Reserve Bank reduced the reserve requirement to zero. There were no required reserves for the years ended September 30, 2022 and 2021. The average amount of required reserve balances was approximately $10.6 million for the year ended September 30, 2020.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Sep. 30, 2022
INVESTMENT SECURITIES
INVESTMENT SECURITIES	(3) Investment securities have been classified according to management’s intent. 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, 2022: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,809 ​ $ — ​ $ 3,514 ​ $ 27,295 Agency mortgage-backed ​ ​ 30,786 ​ ​ 3 ​ ​ 3,289 ​ ​ 27,500 Agency CMO ​ 15,562 ​ — ​ 741 ​ 14,821 Privately-issued CMO ​ 495 ​ 4 ​ 29 ​ 470 Privately-issued ABS ​ 561 ​ 16 ​ 8 ​ 569 SBA certificates ​ 12,255 ​ 1 ​ 244 ​ 12,012 Municipal bonds ​ 260,326 ​ 167 ​ 26,643 ​ 233,850 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 350,794 ​ $ 191 ​ $ 34,468 ​ $ 316,517 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held to maturity: ​ ​ ​ ​ Agency mortgage-backed ​ $ 45 ​ $ — ​ $ — ​ $ 45 Municipal bonds ​ 1,513 ​ 35 ​ — ​ 1,548 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 1,558 ​ $ 35 ​ $ — ​ $ 1,593 ​ ​ (3 - continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2021: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills ​ $ 250 ​ $ — ​ $ — ​ $ 250 Agency mortgage-backed ​ ​ 8,143 ​ ​ 293 ​ ​ 52 ​ ​ 8,384 Agency CMO ​ 13,315 ​ 235 ​ 20 ​ 13,530 Privately-issued CMO ​ 729 ​ 81 ​ 7 ​ 803 Privately-issued ABS ​ 721 ​ 51 ​ — ​ 772 SBA certificates ​ 2,157 ​ 2 ​ 21 ​ 2,138 Municipal bonds ​ 170,102 ​ 11,055 ​ 353 ​ 180,804 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 195,417 ​ $ 11,717 ​ $ 453 ​ $ 206,681 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held to maturity: ​ ​ ​ ​ Agency mortgage-backed ​ $ 64 ​ $ 5 ​ $ — ​ $ 69 Municipal bonds ​ 1,773 ​ 212 ​ — ​ 1,985 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 1,837 ​ $ 217 ​ $ — ​ $ 2,054 ​ The amortized cost and fair value of available for sale and held to maturity debt securities as of September 30, 2022 by contractual maturity are shown below. Expected maturities of mortgage and other asset-backed securities may differ from contractual maturities because the mortgages and other assets underlying the obligations may be prepaid without penalty. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value ​ ​ ​ Due within one year ​ $ 9,696 ​ $ 9,991 ​ $ 249 ​ $ 254 Due after one year through five years ​ 25,348 ​ 25,086 ​ 790 ​ 808 Due after five years through ten years ​ 67,149 ​ 62,891 ​ 474 ​ 486 Due after ten years ​ 188,942 ​ 163,177 ​ — ​ — CMO ​ 16,057 ​ 15,291 ​ — ​ — ABS ​ 561 ​ 569 ​ — ​ — SBA certificates ​ 12,255 ​ 12,012 ​ — ​ — Mortgage-backed securities ​ 30,786 ​ 27,500 ​ 45 ​ 45 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 350,794 ​ $ 316,517 ​ $ 1,558 ​ $ 1,593 ​ ​ (3 - continued) Information pertaining to securities with gross unrealized losses at September 30, 2022 and 2021, aggregated by investment category and the length of time that individual securities have been in a continuous loss position, follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized (Dollars in thousands) Positions Value Losses September 30, 2022: ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 7 ​ $ 27,295 ​ $ 3,514 Agency mortgage-backed ​ 14 ​ ​ 24,987 ​ ​ 2,749 Agency CMO ​ 12 ​ ​ 8,896 ​ ​ 551 Privately-issued CMO ​ 2 ​ ​ 424 ​ ​ 20 SBA certificates ​ 1 ​ ​ 10,775 ​ ​ 225 Municipal bonds 259 ​ ​ 193,002 ​ ​ 24,922 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 295 ​ 265,379 ​ 31,981 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed 1 ​ 2,169 ​ 540 Agency CMO 2 ​ 1,199 ​ 190 Privately-issued CMO ​ 1 ​ ​ 19 ​ ​ 9 Privately-issued ABS ​ 1 ​ ​ 283 ​ ​ 8 SBA certificates 2 ​ 1,202 ​ 19 Municipal bonds 7 ​ 6,263 ​ 1,721 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 14 ​ 11,135 ​ 2,487 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale 309 ​ $ 276,514 ​ $ 34,468 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ 1 ​ $ 3,056 ​ $ 52 Agency CMO ​ 2 ​ ​ 1,466 ​ ​ 20 SBA certificates ​ 1 ​ ​ 2,013 ​ ​ 20 Municipal bonds 18 ​ 13,904 ​ 254 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 22 ​ 20,439 ​ 346 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Privately-issued CMO 1 ​ 23 ​ 7 SBA certificates 1 ​ 88 ​ 1 Municipal bonds ​ 1 ​ ​ 1,902 ​ ​ 99 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 3 ​ 2,013 ​ 107 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale 25 ​ $ 22,452 ​ $ 453 ​ ​ (3 - continued) At September 30, 2022 and 2021, the Company did not have any securities held to maturity with an unrealized loss. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. The total available for sale debt securities in loss positions at September 30, 2022, which consisted of U.S. Treasury notes, agency mortgage-backed securities, agency CMOs, privately-issued CMOs, privately-issued ABSs, SBA certificates, and municipal bonds, had depreciated approximately 11.08% from the Company’s amortized cost basis and are fixed and variable rate securities with a weighted-average yield of 3.13% and a weighted-average coupon rate of 3.41% at September 30, 2022. 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, 2022, the Company held seven privately-issued CMO and ABS securities acquired in a 2009 bank acquisition with an aggregate amortized cost of $395,000 and fair value of $382,000 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, 2022, three privately-issued CMOs and one privately-issued ABS were in a loss position and had depreciated approximately 4.85% from their carrying value. These securities were collateralized by residential mortgage loans, had a total fair value of $726,000 and a total unrealized loss of $37,000 at September 30, 2022. 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, 2022, 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. The unrealized losses on U.S. treasury notes, U.S. government agency mortgage-backed securities and CMOs, SBA certificates and municipal bonds relate principally to current interest rates for similar types of securities. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government, its agencies, or other governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. As management has the ability to hold debt securities to maturity, or for the foreseeable future if classified as available for sale, no declines are deemed to be other-than-temporary. The following is a summary of the reported gross gains and losses on sales of available for sale securities and time deposits for the years ended September 30, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Gross realized gains on sales ​ $ 488 ​ $ — ​ $ 17 Gross realized losses on sales ​ (12) ​ — ​ (10) Net realized gain on sales of available for sale securities and time deposits ​ $ 476 ​ $ — ​ $ 7 ​ ​ (3 - continued) Certain available for sale debt securities were pledged to secure FHLB borrowings at September 30, 2022 and 2021, and may be pledged to secure federal funds borrowings (see Notes 9 and 10). At September 30, 2022 and 2021, 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, 2022
LOANS AND ALLOWANCE FOR LOAN LOSSES
LOANS AND ALLOWANCE FOR LOAN LOSSES	(4) Loans at September 30, 2022 and 2021 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 ​ ​ ​ ​ Real estate mortgage: ​ ​ 1-4 family residential ​ $ 368,211 ​ $ 241,425 Commercial ​ 169,861 ​ 149,600 Single tenant net lease ​ ​ 636,578 ​ ​ 403,692 SBA ​ ​ 59,379 ​ ​ 62,805 Multifamily residential ​ 32,411 ​ 40,324 Residential construction ​ 18,261 ​ 8,330 Commercial construction ​ 5,938 ​ 2,717 Land and land development ​ 11,880 ​ 10,217 Commercial business ​ 90,010 ​ 59,883 SBA commercial business (1) ​ ​ 20,282 ​ ​ 80,400 Consumer ​ ​ 38,052 ​ ​ 30,563 Total loans ​ 1,450,863 ​ 1,089,956 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net (2) ​ 1,052 ​ 281 Allowance for loan losses ​ (15,360) ​ (14,301) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,436,555 ​ $ 1,075,936 ​ (1) Includes $650,000 and $56.7 million of PPP loans at September 30, 2022 and 2021, respectively. (2) Includes $11,000 and $757,000 of net deferred loan fees related to PPP loans at September 30, 2022 and 2021, respectively. At September 30, 2022 and 2021, the net unamortized premium on loans acquired from other financial institutions was $261,000 and $216,000, respectively. 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. ​ (4 – continued) The following is a summary of activity for related party loans for the years ended September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 Beginning balance ​ $ 5,975 ​ $ 7,716 New loans and advances ​ 5,022 ​ 4,832 Repayments ​ (2,531) ​ (2,601) Loans sold ​ ​ (191) ​ ​ (2,992) Reclassifications due to officer and director changes ​ (619) ​ (980) ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 7,656 ​ $ 5,975 ​ Off-balance-sheet commitments (including commitments to make loans, unused lines of credit and letters of credit) to related parties at September 30, 2022 and 2021 were $2.8 million and $3.0 million, respectively. The following tables provide the components of the recorded investment in loans as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 368,211 ​ $ 1,701 ​ $ 136 ​ $ 370,048 Commercial real estate ​ 169,861 ​ 533 ​ (304) ​ 170,090 Single tenant net lease ​ 636,578 ​ 1,979 ​ 47 ​ 638,604 SBA commercial real estate ​ ​ 59,379 ​ ​ 486 ​ ​ 1,108 ​ ​ 60,973 Multifamily ​ 32,411 ​ 62 ​ (40) ​ 32,433 Residential construction ​ ​ 18,261 ​ ​ 27 ​ ​ (89) ​ ​ 18,199 Commercial construction ​ ​ 5,938 ​ ​ 11 ​ ​ (25) ​ ​ 5,924 Land and land development ​ ​ 11,880 ​ ​ 18 ​ ​ 26 ​ ​ 11,872 Commercial business ​ ​ 90,010 ​ ​ 278 ​ ​ 48 ​ ​ 90,336 SBA commercial business ​ 20,282 ​ 163 ​ 218 ​ 20,663 Consumer ​ ​ 38,052 ​ ​ 121 ​ ​ 21 ​ ​ 38,152 ​ ​ $ 1,450,863 ​ $ 5,379 ​ $ 1,052 ​ $ 1,457,294 ​ ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ Recorded ​ ​ Evaluated for ​ Evaluated for ​ Investment in Recorded Investment in Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 367,800 ​ $ 370,048 Commercial real estate ​ ​ 907 ​ ​ 169,183 ​ ​ 170,090 Single tenant net lease ​ ​ — ​ ​ 638,604 ​ ​ 638,604 SBA commercial real estate ​ ​ 7,725 ​ ​ 53,248 ​ ​ 60,973 Multifamily ​ ​ 354 ​ ​ 32,079 ​ ​ 32,433 Residential construction ​ ​ — ​ ​ 18,199 ​ ​ 18,199 Commercial construction ​ ​ — ​ ​ 5,924 ​ ​ 5,924 Land and land development ​ ​ — ​ ​ 11,872 ​ ​ 11,872 Commercial business ​ ​ 1,007 ​ ​ 89,329 ​ ​ 90,336 SBA commercial business ​ ​ 1,091 ​ ​ 16,572 ​ ​ 20,663 Consumer ​ ​ 238 ​ ​ 37,914 ​ ​ 38,152 ​ ​ $ 13,570 ​ $ 1,443,724 ​ $ 1,457,294 ​ The following tables provide the components of the recorded investment in loans as of September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net Deferred ​ ​ ​ ​ ​ ​ ​ ​ Accrued ​ Loan ​ Recorded ​ ​ Principal Loan ​ Interest ​ Origination ​ Investment Recorded Investment in Loans: Balance Receivable Fees and Costs in Loans ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 241,425 ​ $ 821 ​ $ 24 ​ $ 242,270 Commercial real estate ​ ​ 149,600 ​ ​ 563 ​ ​ (208) ​ ​ 149,955 Single tenant net lease ​ 403,692 ​ 1,369 ​ (123) ​ 404,938 SBA commercial real estate ​ ​ 62,805 ​ ​ 475 ​ ​ 1,106 ​ ​ 64,386 Multifamily ​ 40,324 ​ 76 ​ (47) ​ 40,353 Residential construction ​ ​ 8,330 ​ ​ 14 ​ ​ (49) ​ ​ 8,295 Commercial construction ​ ​ 2,717 ​ ​ 6 ​ ​ (28) ​ ​ 2,695 Land and land development ​ ​ 10,217 ​ ​ 18 ​ ​ (6) ​ ​ 10,229 Commercial business ​ 59,883 ​ 171 ​ 49 ​ 60,103 SBA commercial business ​ ​ 80,400 ​ ​ 791 ​ ​ (420) ​ ​ 80,771 Consumer ​ ​ 30,563 ​ ​ 94 ​ ​ (17) ​ ​ 30,640 ​ ​ $ 1,089,956 ​ $ 4,398 ​ $ 281 ​ $ 1,094,635 ​ ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ Recorded ​ ​ Evaluated for ​ Evaluated for ​ Investment in Recorded Investment in Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ (In thousands) Residential real estate ​ $ 3,067 ​ $ 239,203 ​ $ 242,270 Commercial real estate ​ ​ 1,021 ​ ​ 148,934 ​ ​ 149,955 Single tenant net lease ​ ​ — ​ ​ 404,938 ​ ​ 404,938 SBA commercial real estate ​ ​ 9,153 ​ ​ 55,233 ​ ​ 64,386 Multifamily ​ ​ 482 ​ ​ 39,871 ​ ​ 40,353 Residential construction ​ ​ — ​ ​ 8,295 ​ ​ 8,295 Commercial construction ​ ​ — ​ ​ 2,695 ​ ​ 2,695 Land and land development ​ ​ — ​ ​ 10,229 ​ ​ 10,229 Commercial business ​ ​ 1,476 ​ ​ 58,627 ​ ​ 60,103 SBA commercial business ​ ​ 1,296 ​ ​ 79,475 ​ ​ 80,771 Consumer ​ ​ 248 ​ ​ 30,392 ​ ​ 30,640 ​ ​ $ 16,743 ​ $ 1,077,892 ​ $ 1,094,635 ​ ​ (4 – 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, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ — $ 2,716 $ 2,716 Commercial real estate ​ ​ — ​ ​ 1,590 ​ ​ 1,590 Single tenant net lease ​ ​ — ​ ​ 3,838 ​ ​ 3,838 SBA commercial real estate ​ 290 ​ 2,288 ​ 2,578 Multifamily ​ ​ — ​ ​ 251 ​ ​ 251 Residential construction ​ ​ — ​ ​ 305 ​ ​ 305 Commercial construction ​ ​ — ​ ​ 107 ​ ​ 107 Land and land development ​ ​ — ​ ​ 212 ​ ​ 212 Commercial business ​ ​ — ​ ​ 1,193 ​ ​ 1,193 SBA commercial business ​ ​ 674 ​ ​ 1,448 ​ ​ 2,122 Consumer ​ ​ — ​ ​ 448 ​ ​ 448 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 964 ​ $ 14,396 ​ $ 15,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2021: ​ ​ ​ Residential real estate ​ $ — ​ $ 1,438 ​ $ 1,438 Commercial real estate ​ ​ — ​ ​ 2,806 ​ ​ 2,806 Single tenant net lease ​ — ​ 2,422 ​ 2,422 SBA commercial real estate ​ ​ 144 ​ ​ 3,361 ​ ​ 3,475 Multifamily ​ ​ — ​ ​ 518 ​ ​ 518 Residential construction ​ ​ — ​ ​ 191 ​ ​ 191 Commercial construction ​ ​ — ​ ​ 63 ​ ​ 63 Land and land development ​ ​ — ​ ​ 235 ​ ​ 235 Commercial business ​ ​ — ​ ​ 1,284 ​ ​ 1,284 SBA commercial business ​ ​ 18 ​ ​ 1,328 ​ ​ 1,346 Consumer ​ ​ 1 ​ ​ 522 ​ ​ 523 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 133 ​ $ 14,168 ​ $ 14,301 ​ ​ (4 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ 2,806 ​ (1,216) ​ — ​ — ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ 1,346 ​ 1,413 ​ (698) ​ 61 ​ 2,122 Consumer ​ 523 ​ 61 ​ (175) ​ 39 ​ 448 ​ ​ $ 14,301 ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2021: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,255 ​ $ 170 ​ $ (11) ​ $ 24 ​ $ 1,438 Commercial real estate ​ 3,058 ​ (252) ​ — ​ — ​ 2,806 Single tenant net lease ​ ​ 3,017 ​ ​ (595) ​ ​ — ​ ​ — ​ ​ 2,422 SBA commercial real estate ​ ​ 4,154 ​ ​ 234 ​ ​ (936) ​ ​ 23 ​ ​ 3,475 Multifamily ​ ​ 772 ​ ​ (254) ​ ​ — ​ ​ — ​ ​ 518 Residential construction ​ ​ 243 ​ ​ (52) ​ ​ — ​ ​ — ​ ​ 191 Commercial construction ​ ​ 181 ​ ​ (118) ​ ​ — ​ ​ — ​ ​ 63 Land and land development ​ ​ 243 ​ ​ (8) ​ ​ — ​ ​ — ​ ​ 235 Commercial business ​ ​ 1,449 ​ ​ (170) ​ ​ — ​ ​ 5 ​ ​ 1,284 SBA commercial business ​ 1,539 ​ (211) ​ (21) ​ 39 ​ 1,346 Consumer ​ 1,115 ​ (511) ​ (156) ​ 75 ​ 523 ​ ​ $ 17,026 ​ $ (1,767) ​ $ (1,124) ​ $ 166 ​ $ 14,301 ​ ​ (4 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Provisions ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Ending 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 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2022. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Investment ​ Balance ​ Allowance ​ Investment ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 2,524 ​ $ — ​ $ 2,978 ​ $ 45 Commercial real estate ​ 907 ​ 982 ​ — ​ 1,038 ​ 21 Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 5,337 ​ ​ 5,952 ​ ​ — ​ ​ 7,235 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,007 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 221 ​ 532 ​ — ​ 412 ​ — Consumer ​ 93 ​ 81 ​ — ​ 91 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 10,167 ​ $ 11,658 ​ $ — ​ $ 13,487 ​ $ 92 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ 206 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,388 ​ ​ 2,919 ​ ​ 290 ​ ​ 2,213 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ — ​ — SBA commercial business ​ 870 ​ 1,349 ​ 674 ​ 802 ​ — Consumer ​ 145 ​ 145 ​ — ​ 146 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,403 ​ $ 4,413 ​ $ 964 ​ $ 3,367 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 2,524 ​ $ — ​ $ 3,184 ​ $ 45 Commercial real estate ​ 907 ​ 982 ​ — ​ 1,038 ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,725 ​ ​ 8,871 ​ ​ 290 ​ ​ 9,448 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,007 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 1,091 ​ 1,881 ​ 674 ​ 1,214 ​ — Consumer ​ 238 ​ 226 ​ — ​ 237 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,570 ​ $ 16,071 ​ $ 964 ​ $ 16,854 ​ $ 92 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2021. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Investment ​ Balance ​ Allowance ​ Investment ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,002 ​ $ 3,551 ​ $ — ​ $ 4,383 ​ $ 68 Commercial real estate ​ ​ 1,021 ​ ​ 1,092 ​ ​ — ​ ​ 1,148 ​ ​ 29 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 8,184 ​ ​ 8,873 ​ ​ — ​ ​ 4,738 ​ ​ — Multifamily ​ ​ 482 ​ ​ 539 ​ ​ — ​ ​ 638 ​ ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 1 ​ — Commercial business ​ 1,476 ​ 1,559 ​ — ​ 1,664 ​ 3 SBA commercial business ​ 1,278 ​ 1,534 ​ — ​ 820 ​ — Consumer ​ 103 ​ 97 ​ — ​ 90 ​ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 15,546 ​ $ 17,245 ​ $ — ​ $ 13,482 ​ $ 102 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 65 ​ $ 65 ​ $ — ​ $ 108 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 969 ​ ​ 1,394 ​ ​ 114 ​ ​ 3,389 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ 1 ​ — SBA commercial business ​ 18 ​ 21 ​ 18 ​ 248 ​ — Consumer ​ 145 ​ 144 ​ 1 ​ 169 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,197 ​ $ 1,624 ​ $ 133 ​ $ 3,915 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,067 ​ $ 3,616 ​ $ — ​ $ 4,491 ​ $ 68 Commercial real estate ​ ​ 1,021 ​ ​ 1,092 ​ ​ — ​ ​ 1,148 ​ ​ 29 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 9,153 ​ ​ 10,267 ​ ​ 114 ​ ​ 8,127 ​ ​ — Multifamily ​ ​ 482 ​ ​ 539 ​ ​ — ​ ​ 638 ​ ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 1 ​ — Commercial business ​ 1,476 ​ 1,559 ​ — ​ 1,665 ​ 3 SBA commercial business ​ 1,296 ​ 1,555 ​ 18 ​ 1,068 ​ — Consumer ​ 248 ​ 241 ​ 1 ​ 259 ​ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 16,743 ​ $ 18,869 ​ $ 133 ​ $ 17,397 ​ $ 102 ​ ​ (4 – 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 ​ ​ (4 – 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, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2022 ​ At September 30, 2021 ​ ​ ​ 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 ​ $ 1,213 ​ $ — ​ $ 1,213 ​ $ 1,894 ​ $ — ​ $ 1,894 Commercial real estate ​ 516 ​ — ​ 516 ​ 599 ​ — ​ 599 Single tenant net lease ​ — ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 7,725 ​ ​ — ​ ​ 7,725 ​ ​ 9,153 ​ ​ 472 ​ ​ 9,625 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ 482 ​ ​ — ​ ​ 482 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 73 ​ — ​ 73 ​ 1,370 ​ — ​ 1,370 SBA commercial business ​ 1,091 ​ — ​ 1,091 ​ 1,296 ​ — ​ 1,296 Consumer ​ 238 ​ — ​ 238 ​ 206 ​ — ​ 206 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 10,856 ​ $ — ​ $ 10,856 ​ $ 15,000 ​ $ 472 ​ $ 15,472 ​ The following table presents the aging of the recorded investment in past due loans at September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,169 ​ $ 53 ​ $ 204 ​ $ 1,426 ​ $ 368,622 ​ $ 370,048 Commercial real estate ​ — ​ — ​ 516 ​ 516 ​ 169,574 ​ 170,090 Single tenant net lease ​ — ​ — ​ — ​ — ​ 638,604 ​ 638,604 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 3,370 ​ ​ 3,370 ​ ​ 57,603 ​ ​ 60,973 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 32,433 ​ ​ 32,433 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,199 ​ ​ 18,199 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 5,924 ​ ​ 5,924 Land and land development ​ — ​ — ​ — ​ — ​ 11,872 ​ 11,872 Commercial business ​ — ​ — ​ 73 ​ 73 ​ 90,263 ​ 90,336 SBA commercial business ​ 231 ​ — ​ 237 ​ 468 ​ 20,195 ​ 20,663 Consumer ​ 95 ​ — ​ 58 ​ 153 ​ 37,999 ​ 38,152 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,495 ​ $ 53 ​ $ 4,458 ​ $ 6,006 ​ $ 1,451,288 ​ $ 1,457,294 ​ ​ (4 – continued) The following table presents the aging of the recorded investment in past due loans at September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) Residential real estate ​ $ 818 ​ $ 352 ​ $ 347 ​ $ 1,517 ​ $ 240,753 ​ $ 242,270 Commercial real estate ​ — ​ — ​ 599 ​ 599 ​ 149,356 ​ 149,955 Single tenant net lease ​ — ​ — ​ — ​ — ​ 404,938 ​ 404,938 SBA commercial real estate ​ ​ — ​ ​ 208 ​ ​ 4,990 ​ ​ 5,198 ​ ​ 59,188 ​ ​ 64,386 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 40,353 ​ ​ 40,353 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 8,295 ​ ​ 8,295 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 2,695 ​ ​ 2,695 Land and land development ​ — ​ — ​ — ​ — ​ 10,229 ​ 10,229 Commercial business ​ — ​ — ​ 3 ​ 3 ​ 60,100 ​ 60,103 SBA commercial business ​ 18 ​ 104 ​ 848 ​ 970 ​ 79,801 ​ 80,771 Consumer ​ 33 ​ 20 ​ 70 ​ 123 ​ 30,517 ​ 30,640 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 869 ​ $ 684 ​ $ 6,857 ​ $ 8,410 ​ $ 1,086,225 ​ $ 1,094,635 ​ 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: ​ (4 – 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, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ September 30, 2022: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 368,377 ​ $ — ​ $ 1,501 ​ $ 170 ​ $ — ​ $ 370,048 Commercial real estate ​ 169,363 ​ — ​ 727 ​ — ​ — ​ 170,090 Single tenant net lease ​ ​ 638,604 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 638,604 SBA commercial real estate ​ ​ 51,053 ​ ​ 1,143 ​ ​ 7,112 ​ ​ 1,665 ​ ​ — ​ ​ 60,973 Multifamily ​ ​ 32,433 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 32,433 Residential construction ​ ​ 18,199 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,199 Commercial construction ​ ​ 5,924 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 5,924 Land and land development ​ ​ 11,872 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 11,872 Commercial business ​ 90,001 ​ 250 ​ 85 ​ — ​ — ​ 90,336 SBA commercial business ​ 17,583 ​ 284 ​ 2,755 ​ 41 ​ — ​ 20,663 Consumer ​ 38,059 ​ — ​ 93 ​ — ​ — ​ 38,152 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,441,468 ​ $ 1,677 ​ $ 12,273 ​ $ 1,876 ​ $ — ​ $ 1,457,294 ​ The following table presents the recorded investment in loans by risk category as of September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 240,078 ​ $ — ​ $ 2,018 ​ $ 174 ​ $ — ​ $ 242,270 Commercial real estate ​ 143,031 ​ 4,059 ​ 2,865 ​ — ​ — ​ 149,955 Single tenant net lease ​ 404,938 ​ — ​ — ​ — ​ — ​ 404,938 SBA commercial real estate ​ 45,465 ​ 5,343 ​ 10,339 ​ 3,239 ​ — ​ 64,386 Multifamily ​ 39,871 ​ — ​ 482 ​ — ​ — ​ 40,353 Residential construction ​ 8,295 ​ — ​ — ​ — ​ — ​ 8,295 Commercial construction ​ 2,695 ​ — ​ — ​ — ​ — ​ 2,695 Land and land development ​ 10,229 ​ — ​ — ​ — ​ — ​ 10,229 Commercial business ​ 58,583 ​ — ​ 1,520 ​ — ​ — ​ 60,103 SBA commercial business ​ 70,019 ​ 6,914 ​ 3,808 ​ 30 ​ — ​ 80,771 Consumer ​ 30,570 ​ — ​ 70 ​ — ​ — ​ 30,640 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,053,774 ​ $ 16,316 ​ $ 21,102 ​ $ 3,443 ​ $ — ​ $ 1,094,635 ​ ​ (4 – continued) Troubled Debt Restructurings The following table summarizes TDRs by accrual status at September 30, 2022 and 2021. There was no specific reserve included in the allowance for loan losses related to TDRs at September 30, 2021. There was $161,000 of specific reserve included in the allowance for loan losses related to TDRs at September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Accruing Nonaccrual Total ​ ​ (In thousands) September 30, 2022: ​ ​ ​ Residential real estate ​ $ 1,035 ​ $ — ​ $ 1,035 Commercial real estate ​ ​ 391 ​ ​ 430 ​ ​ 821 SBA commercial real estate ​ - ​ 1,627 ​ 1,627 Multifamily ​ ​ 354 ​ ​ — ​ ​ 354 Commercial business ​ 934 ​ — ​ 934 SBA commercial business ​ - ​ 273 ​ 273 Total ​ $ 2,714 ​ $ 2,330 ​ $ 5,044 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ ​ Residential real estate ​ $ 1,173 ​ $ — ​ $ 1,173 Commercial real estate ​ 422 ​ 465 ​ 887 SBA commercial real estate ​ ​ — ​ ​ 3,240 ​ ​ 3,240 Multifamily ​ ​ — ​ ​ 482 ​ ​ 482 Commercial business ​ 106 ​ 1,367 ​ 1,473 Consumer ​ 42 ​ — ​ 42 Total ​ $ 1,743 ​ $ 5,554 ​ $ 7,297 ​ ​ (4 – continued) The following table summarizes information in regard to TDRs that were restructured during the years ended September 30, 2022, 2021 and 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pre- Post- ​ ​ ​ ​ Modification ​ Modification ​ ​ Number of ​ Principal ​ Principal ​ ​ Loans ​ Balance ​ Balance ​ ​ ​ ​ (Dollars in thousands) September 30, 2022: ​ ​ SBA commercial business 1 ​ $ 397 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 397 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ Commercial business 1 ​ $ 126 ​ $ 126 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 126 ​ $ 126 ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ At both September 30, 2022 and 2021, 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 principal charge-offs totaling $457,000 recorded as a result of TDRs during the year ended September 30, 2021. There were no principal charge-offs recorded as a result of TDRs during the years ended September 30, 2022 and 2020. Provisions for loan losses related to TDRs totaled $161,000 and $538,000 for the years ended September 30, 2022 and 2020, respectively. There were no provisions for loan losses related to TDRs for the year ended September 30, 2021. 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 years ended September 30, 2022, 2021 and 2020, 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). ​ (4 – 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 encouraged 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 indicated 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 Coronavirus Aid, Relief and Economic Security (“CARES”) Act was passed by Congress on March 27, 2020. 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. The Consolidated Appropriations Act of 2021, signed into law on December 27, 2020, further extended the relief from TDR accounting for qualified modifications to the earlier of January 1, 2022 or 60 days after the national emergency concerning COVID-19 terminates. At September 30, 2022, the Company had no loans remaining under the Company’s payment extension program. 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, 2022 and 2021 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, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2022 2021 Discount rate 6.90% to 25.00% (12.71%) 4.57% to 22.34% (9.97%) Prepayment rate 7.08% to 29.26% (15.27%) 8.30% to 24.51% (15.98%) ​ 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 $238.9 million, $244.8 million and $209.1 million at September 30, 2022, 2021 and 2020, respectively. An analysis of loan servicing fees on SBA loans for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Late fees and ancillary fees earned ​ $ 93 ​ $ 88 ​ $ 54 Net servicing income ​ 2,425 ​ 2,171 ​ 1,806 SBA net servicing fees ​ $ 2,518 ​ $ 2,259 ​ $ 1,860 ​ ​ (4 – 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, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance as of October 1 $ 4,447 ​ $ 3,748 ​ $ 3,030 Servicing rights capitalized 846 ​ 1,980 ​ 1,450 Amortization (1,287) ​ (1,215) ​ (848) Direct write-offs (43) ​ (92) ​ — Change in valuation allowance (173) ​ 26 ​ 116 Balance as of September 30 $ 3,790 ​ $ 4,447 ​ $ 3,748 ​ An analysis of the valuation allowance related to SBA loan servicing rights for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Sep. 30, 2022
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	(5) Premises and equipment consisted of the following at September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 Land and land improvements ​ $ 5,328 ​ $ 4,561 Office buildings ​ 23,942 ​ 23,826 Leasehold improvements ​ 66 ​ 66 Furniture, fixtures and equipment ​ ​ 9,187 ​ ​ 9,206 Construction in progress ​ 749 ​ 400 ​ ​ 39,272 ​ 38,059 Less: accumulated depreciation ​ (12,172) ​ (10,390) ​ ​ ​ ​ ​ ​ ​ Totals ​ $ 27,100 ​ $ 27,669 ​ Depreciation expense recognized for premises and equipment for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Depreciation expense ​ $ 2,125 ​ $ 2,023 ​ $ 1,576 ​ 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 statement 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 16 for additional information regarding the Company’s leases.

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Sep. 30, 2022
OTHER REAL ESTATE OWNED
OTHER REAL ESTATE OWNED	(6) Other real estate owned (“OREO”) asset activity was as follows for the years ended September 30, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Balance as of October 1 ​ $ 1,728 ​ $ 1,728 ​ $ 1,893 Transfers from loans to OREO ​ — ​ 426 ​ — Transfers from OREO to premises and equipment ​ (721) ​ — ​ — Sales ​ (804) ​ (426) ​ (165) Balance as of September 30 ​ $ 203 ​ $ 1,728 ​ $ 1,728 ​ At September 30, 2022 and 2021, OREO 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 at September 30, 2022 and 2021 was $204,000 and $124,000, respectively. Net (gain) loss on OREO for the years ended September 30, 2022, 2021 and 2020 was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Net (gain)/loss on sales ​ $ 115 ​ $ (74) ​ $ (16) Operating expenses, net of rental income ​ — ​ 10 ​ 15 ​ ​ $ 115 ​ $ (64) ​ $ (1) ​

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	12 Months Ended
	Sep. 30, 2022
GOODWILL AND OTHER INTANGIBLES
GOODWILL AND OTHER INTANGIBLES	(7) 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 Bancorp, Inc. (“Dearmin”) and its majority owned subsidiary, The First National Bank of Odon (“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 2022, 2021, or 2020. The changes in the carrying amount of goodwill for the years ended September 30, 2022, 2021 and 2020 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Beginning balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 Acquisition of Dearmin/FNBO ​ — ​ — ​ — Ending balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 ​ The following is a summary of other intangible assets subject to amortization: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 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 ​ (4,019) ​ (3,806) Ending balance ​ $ 775 ​ $ 988 ​ ​ (7 – continued) Amortization expense on intangibles for the years ended September 30, 2022, 2021 and 2020 is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Amortization expense ​ $ 214 ​ $ 214 ​ $ 214 ​ 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) 2023 ​ $ 214 2024 ​ 163 2025 ​ 163 2026 ​ 163 2027 ​ 72 Total ​ $ 775 ​

DEPOSITS

DEPOSITS	12 Months Ended
	Sep. 30, 2022
Deposits
Deposits	(8) Deposits at September 30, 2022 and 2021 consisted of the following: ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 340,172 ​ $ 291,039 NOW accounts ​ 343,296 ​ 315,169 Money market accounts ​ 238,219 ​ 222,972 Savings accounts ​ 171,779 ​ 162,033 Retail time deposits ​ 129,864 ​ 136,309 Brokered and reciprocal certificates of deposit ​ 292,504 ​ 100,058 ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,515,834 ​ $ 1,227,580 ​ 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 $32.6 million and $29.8 million at September 30, 2022 and 2021, respectively. At September 30, 2022, scheduled maturities of time deposits were as follows: ​ ​ ​ ​ Years ending September 30: (In thousands) 2023 ​ $ 368,081 2024 ​ 28,960 2025 ​ 8,213 2026 ​ 6,868 2027 ​ ​ 10,246 Total ​ $ 422,368 ​ The Bank held deposits for related parties of $15.3 million and $14.7 million at September 30, 2022 and 2021, respectively.

FEDERAL FUNDS PURCHASED

FEDERAL FUNDS PURCHASED	12 Months Ended
	Sep. 30, 2022
FEDERAL FUNDS PURCHASED
FEDERAL FUNDS PURCHASED	(9) 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, 2023 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, 2022 and 2021, the Bank had no outstanding federal funds purchased under the facility. The Bank has also entered into a separate federal funds purchased line of credit facility with another financial institution that established a discretionary line of credit not to exceed $15 million. The line of credit is intended to support short-term liquidity needs. At September 30, 2022 and 2021, the Bank had no outstanding federal funds purchased under the facility.

BORROWINGS FROM FEDERAL HOME LO

BORROWINGS FROM FEDERAL HOME LOAN BANK	12 Months Ended
	Sep. 30, 2022
BORROWINGS FROM FEDERAL HOME LOAN BANK
BORROWINGS FROM FEDERAL HOME LOAN BANK	(10) At September 30, 2022 and 2021 borrowings from the FHLB were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 ​ Weighted ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ ​ Average ​ ​ ​ (Dollars in thousands) ​ Rate ​ Amount ​ Rate ​ Amount Advances maturing in: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 — % $ — 2.01 ​ $ 10,000 2023 3.00 ​ 130,000 — ​ — 2024 — ​ — 2.02 ​ 50,000 2025 1.51 ​ 10,000 1.51 ​ 10,000 2026 1.13 ​ 20,000 1.13 ​ 20,000 2027 and beyond ​ 1.27 ​ ​ 135,000 ​ 0.77 ​ ​ 160,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total advances ​ ​ 295,000 ​ ​ 250,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Line of credit balance 3.45 ​ 12,303 0.43 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total borrowings from FHLB ​ $ 307,303 ​ $ 250,000 ​ The Bank entered into an Advances, Pledge and Security Agreement with the FHLB, allowing the Bank to initiate advances from the FHLB. The advances are secured under a blanket collateral agreement. At September 30, 2022, the eligible blanket collateral included residential mortgage loans with a carrying value of $183.7 million and commercial real estate loans with a carrying value of $695.9 million. Pledged On January 21, 2022, the Bank entered into an Overdraft Line of Credit Agreement with the FHLB which established a line of credit not to exceed $25.0 million secured under the blanket collateral agreement. This agreement expires on January 21, 2023. At September 30, 2022, there was $12.3 million outstanding under this agreement. ​ (10 – continued) 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, 2022, 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, 2022, the maximum amount available under the letter of credit was $1.9 million, and there was no outstanding balance under this agreement.

OTHER BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Sep. 30, 2022
OTHER BORROWINGS
OTHER BORROWINGS	(11) 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 Secured Overnight Financing Rate (“SOFR”) 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 $68,000 and $135,000 at September 30, 2022 and 2021, 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. On March 18, 2022, the Company entered into subordinated note purchase agreements in the aggregate principal amount of $31 million. The subordinated notes initially bear a fixed interest rate of 4.50% per year through March 30, 2027, and thereafter a floating rate, reset quarterly, equal to the three-month SOFR rate plus 276 basis points. All interest is payable semi-annually and the subordinated notes are scheduled to mature on March 30, 2032. The subordinated notes are unsecured subordinated obligations of the Company and may be repaid in whole or in part, without penalty, on or after March 30, 2027. The subordinated notes are intended to qualify as Tier 2 capital for the Company under regulatory guidelines. The subordinated notes are presented net of unamortized debt issuance costs of $715,000 at September 30, 2022, 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 March 30, 2027. 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 were pledged as collateral to secure the borrowings, and carried a fixed interest rate of 0.35%. There were no outstanding borrowings under the PPPLF at September 30, 2022 and 2021. ​

DEFERRED COMPENSATION PLANS

DEFERRED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2022
DEFERRED COMPENSATION PLANS
DEFERRED COMPENSATION PLANS	(12) 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 $500,000 and $336,000 at September 30, 2022 and 2021, respectively. Deferred compensation expense for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Deferred compensation expense (income) ​ $ 164 ​ $ 129 ​ $ (4) ​ ​ (12 – continued) 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 at September 30, 2022 and 2021. Deferred directors’ fees expense for the years ended September 30, 2022, 2021 and 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Deferred directors’ fee expense ​ $ 202 ​ $ 166 ​ $ 187 ​

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Sep. 30, 2022
BENEFIT PLANS
BENEFIT PLANS	(13) 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). Company contributions to the plan for the years ended September 30, 2022, 2021 and 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Company contributions to the plan ​ $ 1,366 ​ $ 1,633 ​ $ 1,420 ​ Employee Stock Ownership Plan: On October 6, 2008, the Company established a leveraged ESOP covering substantially all employees. The ESOP trust acquired 610,089 shares of Company common stock at a cost of $3.33 per share (both as adjusted for the three There was no compensation expense recognized for the years ended September 30, 2022, 2021 and 2020. 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 306,202 and 335,958 shares of Company common stock allocated to participant accounts at September 30, 2022 and 2021, respectively. The aggregate fair value of shares allocated to ESOP participants was $7.0 million and $9.4 million at September 30, 2022 and 2021, respectively.

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2022
STOCK-BASED COMPENSATION PLANS
STOCK-BASED COMPENSATION PLANS	(14) The Company maintains three 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, the 2016 Equity Incentive Plan (“2016 Plan”) approved by the Company’s shareholders in February 2016 and the 2021 Equity Incentive Plan (“2021 Plan”) approved by the Company’s shareholders in February 2021. The aggregate number of shares of the Company’s common stock available for issuance under the 2016 Plan may not exceed 264,000 shares, consisting of 198,000 stock options and 66,000 shares of restricted stock. The aggregate number of shares of the Company’s common stock available for issuance under the 2021 Plan may not exceed 356,058 shares, consisting of 267,043 stock options and 89,015 shares of restricted stock. In November 2021 the Company granted 137,250 stock options and 45,750 restricted shares from the 2021 Plan to directors, officers and key employees, which will vest over a one-year or five-year period. At September 30, 2022, there were no remaining shares of the Company’s common stock available for issuance under the 2010 Plan. At September 30, 2022, 4,560 shares of the Company’s common stock were available for issuance under the 2016 Plan, including 1,500 shares available for restricted stock and 3,060 shares available for stock options. At September 30, 2022, 173,058 shares of the Company’s common stock were available for issuance under the 2021 Plan, including 43,265 shares available for restricted stock and 129,793 shares available for stock options. In November 2022, the Company granted 66,000 stock options and 22,000 restricted shares to directors, officers and key employees which will vest over a one-year or five-year period. The Company generally issues new shares under the 2016 Plan and 2021 Plan from its authorized but unissued shares. 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, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Stock option expense ​ $ 296 ​ $ 92 ​ $ 86 Restricted stock expense ​ 391 ​ 184 ​ 193 ​ 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 one The fair value of options granted during the year ended September 30, 2022 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 2.32 % Risk-free interest rate ​ 1.55 % Expected volatility ​ 27.0 % Expected life of options ​ 7.1 years ​ Weighted average fair value at grant date ​ $ 7.03 ​ ​ ​ (14 – continued) The fair value of options granted during the years ended September 30, 2021 and 2020 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, 2022, 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 217,074 ​ $ 16.58 ​ Granted 137,250 ​ 26.72 ​ Exercised (2,955) ​ 13.36 ​ Forfeited or expired — ​ — ​ Outstanding at end of year 351,369 ​ $ 20.57 6.8 ​ $ 1,566,000 Vested and expected to vest 351,369 ​ $ 20.57 6.8 ​ $ 1,566,000 Exercisable at end of year 168,344 ​ $ 15.28 4.7 ​ $ 1,458,000 ​ The intrinsic value of stock options exercised during the years ended September 30, 2022, 2021 and 2020 was $31,000, $50,000 and $1.4 million, respectively. At September 30, 2022, there was $777,000 of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 4.00 years. There was no cash received from the exercise of stock options for the year ended September 30, 2022. Cash received from the exercise of stock options was $27,000 and $148,000 for the years ended September 30, 2021 and 2020, respectively. The tax benefit from the exercise of stock options was $8,000, $10,000 and $134,000 for the years ended September 30, 2022, 2021 and 2020, respectively. Restricted Stock: The vesting period of restricted stock granted under the plans is generally one or 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. ​ (14 – continued) Restricted Stock: - continued A summary of the Company’s nonvested restricted shares activity as of September 30, 2022 and changes during the year then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ Number ​ Average ​ ​ of ​ Grant Date ​ ​ Shares ​ Fair Value Nonvested at October 1, 2021 17,799 ​ $ 16.72 Granted 45,750 ​ $ 26.72 Vested (12,225) ​ $ 14.88 Forfeited — ​ $ — Nonvested at September 30, 2022 51,324 ​ $ 26.07 ​ There were 12,225, 13,125 and 12,258 restricted shares vested during the years ended September 30, 2022, 2021 and 2020, respectively. The total fair value of restricted shares that vested during the years ended September 30, 2022, 2021 and 2020 was $327,000, $277,000 and $271,000, respectively. At September 30, 2022, there was $969,000 of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 3.97 years.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Sep. 30, 2022
INCOME TAXES
INCOME TAXES	(15) 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, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Current ​ $ 283 ​ $ 2,166 ​ $ 8,295 Valuation allowance ​ (78) ​ (34) ​ 193 Deferred ​ 2,173 ​ 7,865 ​ 4,173 Income tax expense ​ $ 2,378 ​ $ 9,997 ​ $ 12,661 ​ 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, 2022, 2021 and 2020 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Provision at federal statutory rate ​ $ 3,953 ​ $ 8,308 ​ $ 9,816 State income tax-net of federal tax benefit ​ 297 ​ 901 ​ 1,815 Tax-exempt interest income ​ (1,314) ​ (1,045) ​ (962) Bank owned life insurance ​ (209) ​ (194) ​ (154) Captive insurance net premiums ​ (375) ​ (303) ​ (295) Increase (decrease) in federal deferred tax valuation allowance ​ (78) ​ (20) ​ 193 Nondeductible officer compensation ​ — ​ 2,238 ​ 2,373 Other ​ 104 ​ 112 ​ (125) Income tax expense ​ $ 2,378 ​ $ 9,997 ​ $ 12,661 ​ ​ (15 – continued) Significant components of deferred tax assets and liabilities at September 30, 2022 and 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 Deferred tax assets: ​ ​ Allowance for loan losses ​ $ 3,719 ​ $ 3,460 Operating lease liability ​ 1,100 ​ 1,430 Deferred compensation plans ​ 475 ​ 426 Equity incentive plans ​ 117 ​ 45 Other-than-temporary impairment loss on available for sale securities ​ 17 ​ 20 Interest on nonaccrual loans ​ 165 ​ 236 Loss on tax credit investments ​ 1,638 ​ 1,640 Unrealized loss on securities available for sale ​ 7,198 ​ — Net operating loss carryforwards ​ 400 ​ — Mark to market adjustments ​ ​ 514 ​ ​ 817 Other ​ 1,246 ​ 278 Gross deferred tax assets ​ 16,589 ​ 8,352 Valuation allowance ​ (1,570) ​ (1,648) Net deferred tax assets ​ 15,019 ​ 6,704 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Unrealized gain on securities available for sale ​ — ​ (2,366) Accumulated depreciation ​ (2,099) ​ (2,014) Operating lease right of use asset ​ ​ (1,069) ​ ​ (1,403) Installment sale ​ (349) ​ (360) Acquisition purchase accounting adjustments ​ (1,284) ​ (853) Mortgage servicing rights ​ (15,498) ​ (12,336) FHLB stock dividends ​ (71) ​ (85) Prepaid expenses ​ (776) ​ (829) Deferred loan fees and costs, net ​ ​ (180) ​ ​ (239) Other ​ (101) ​ (96) Deferred tax liabilities ​ (21,427) ​ (20,581) ​ ​ ​ ​ ​ ​ ​ Net deferred tax liability ​ $ (6,408) ​ $ (13,877) ​ 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. ​ (15 – continued) At September 30, 2022, the Company had a federal net operating loss carryforward of approximately $2.6 million that is not subject to expiration. The Company also has various apportioned state net operating loss carryforwards that may expire based on the relevant statutes for each state. 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, 2022, except for a valuation allowance of $1.6 At September 30, 2022 and 2021, 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, 2018 are subject to examination by the relevant taxing authorities. Each entity included in the consolidated federal and state income tax returns filed by the Company are charged or given credit for the applicable tax as though separate returns were filed. Retained earnings of the Bank at September 30, 2022 and 2021 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, 2022 and 2021.

LEASES

LEASES	12 Months Ended
	Sep. 30, 2022
LEASES
LEASES	(16) A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified premises or 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 The Company has adopted FASB ASC 842 and all subsequent updates. With the adoption of FASB ASC 842, operating lease agreements are required to be recognized on the consolidated balance sheet as a right of use (“ROU”) asset and a corresponding lease liability. All of the Company’s leases are classified as operating leases. The Company has adopted all applicable practical expedients permitted under the standard, including the option to expense short-term leases with a term of one year or less. (16 – continued) 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 sheets and was $4.4 million and $5.8 million at September 30, 2022 and 2021,respectively. Certain adjustments to the ROU asset may be required for items such as initial direct costs paid or incentives received. The Company recorded a lease liability in other liabilities on the consolidated balance sheets, which had a balance of $4.6 million and $5.9 million at September 30, 2022 and 2021, respectively. 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. 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, 2022, 2021 and 2020 was $1.1 million, $2.0 million and $1.9 million, respectively. The components of lease expense for the years ended September 30, 2022, 2021 and 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating lease cost ​ $ 621 ​ $ 1,204 ​ $ 1,294 Short-term lease cost ​ ​ 501 ​ ​ 836 ​ ​ 644 ​ ​ $ 1,122 ​ $ 2,040 ​ $ 1,938 ​ Future minimum commitments due under these lease agreements as of September 30, 2022 are as follows, including renewal options that are reasonably certain to be exercised: ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2023 ​ $ 412 2024 ​ 324 2025 ​ 228 2026 ​ 203 2027 ​ 211 Thereafter ​ 4,991 Total lease payments ​ 6,369 Less imputed interest ​ ​ (1,815) Total ​ $ 4,554 ​ The lease term and discount rate at September 30, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 ​ Weighted-average remaining lease term (years) 23.7 ​ 21.5 ​ Weighted-average discount rate ​ 2.89 % 2.53 % ​ (16 – continued) Supplemental cash flow information for the years ended September 30, 2022, 2021 and 2020 related to leases was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 607 ​ $ 1,253 ​ $ 1,221 ROU assets obtained in exchange for lease obligations: ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating leases ​ ​ 275 ​ ​ 2,038 ​ ​ 9,083 ​ Lessor The Company leases commercial office space to tenants under noncancelable operating leases with terms of five ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2023 $ 469 2024 ​ 469 2025 ​ 354 2026 ​ 8 2027 ​ 8 2028 and thereafter ​ 5 Total $ 1,313 ​

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Sep. 30, 2022
COMMITMENTS AND CONTINGENCIES
COMMITMENTS AND CONTINGENCIES	(17) 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 $8.2 million and $8.3 million at September 30, 2022 and 2021, 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. ​ (17 continued) The Company has not been obligated to perform on any financial guarantees and has incurred no losses on its commitments in 2022 or 2021. The following is a summary of the commitments to extend credit at September 30, 2022 and 2021. Interest rate lock commitments that meet the definition of a derivative are excluded from these totals. ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 Loan commitments: ​ ​ Fixed rate ​ $ 53,692 ​ $ 49,722 Adjustable rate ​ 71,167 ​ 28,137 ​ ​ ​ ​ ​ ​ ​ Guarantees of third-party revolving credit ​ 286 ​ 177 Undisbursed portion of home equity lines of credit ​ 105,208 ​ 35,995 Undisbursed portion of commercial and personal lines of credit ​ 52,146 ​ 47,452 Undisbursed portion of construction loans in process ​ 45,265 ​ 31,323 Total commitments to extend credit ​ $ 327,764 ​ $ 192,806 ​ 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, 2022 and 2021, the Company had established a reserve for loan repurchases or indemnifications of $435,000 and $338,000, respectively, which is included in other liabilities in the accompanying consolidated balance sheets. Provisions for loan repurchases or indemnifications totaling $672,000, $595,000 and $614,000 were made for the years ended September 30, 2022, 2021 and 2020, respectively, and are included in mortgage banking income in the accompanying consolidated statements of income. At September 30, 2021, the Company had recorded a loss for restitution to be repaid to certain borrowers who originated loans through the Company’s mortgage banking division. A settlement agreement was reached and restitution in the amount of $390,000 was paid during the fiscal year ended September 30, 2022. The Bank received notice of a class action lawsuit on March 23, 2021 regarding its policy and practice of assessing customer fees related to items presented on accounts with insufficient funds (NSF items). The Company has reached a verbal settlement agreement with the claimant, and the Company has accrued a loss contingency for this pending litigation at September 30, 2022, the amount of which had an immaterial effect on the consolidated financial statements.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Sep. 30, 2022
DERIVATIVE FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	(18) 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 ​ (18 – continued) Certain financial instruments, including derivatives, may be eligible for offset in the balance sheet when the “right of setoff” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements. However, the Company has not elected to offset such financial instruments in the consolidated balance sheets. The Company may be required to post margin collateral to derivative counterparties based on agreements with the dealers. At September 30, 2022 and 2021, the Company had cash collateral posted with certain derivative counterparties against its derivative obligations of $2.4 million. 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, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 48,952 ​ $ 158 ​ $ 396 Forward mortgage loan sale contracts ​ 60,000 ​ 872 ​ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 108,952 ​ $ 1,030 ​ $ 427 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 331,178 ​ $ 2,167 ​ $ 600 Forward mortgage loan sale contracts ​ 291,750 ​ 1,465 ​ 35 ​ ​ $ 622,928 ​ $ 3,632 ​ $ 635 ​ 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, 2022, 2021 and 2020, is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ (1,805) ​ $ (13,370) ​ $ 11,668 Forward mortgage loan sale contracts ​ 20,398 ​ 4,140 ​ (22,412) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 18,593 ​ $ (9,230) ​ $ (10,744) ​

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Sep. 30, 2022
FAIR VALUE MEASUREMENTS
FAIR VALUE MEASUREMENTS	(19) 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. ​ (19 – continued) 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. 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. 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, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ — ​ $ 27,295 ​ $ — ​ $ 27,295 Agency mortgage-backed ​ ​ — ​ ​ 27,500 ​ ​ — ​ ​ 27,500 Agency CMO ​ — ​ 14,821 ​ — ​ 14,821 Privately-issued CMO ​ — ​ 470 ​ — ​ 470 Privately-issued ABS ​ — ​ 569 ​ — ​ 569 SBA certificates ​ — ​ 12,012 ​ — ​ 12,012 Municipal bonds ​ — ​ 233,850 ​ — ​ 233,850 Total securities available for sale ​ $ — ​ $ 316,517 ​ $ — ​ $ 316,517 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 38,579 ​ $ — ​ $ 38,579 Derivative assets (included in other assets) ​ $ — ​ $ 872 ​ $ 158 ​ $ 1,030 Equity securities (included in other assets) ​ $ 103 ​ $ — ​ $ — ​ $ 103 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 63,263 ​ $ 63,263 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 31 ​ $ 396 ​ $ 427 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ — Commercial real estate ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 2,574 ​ ​ 2,574 Multifamily ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ 46 ​ 46 SBA commercial business ​ ​ — ​ ​ — ​ ​ 290 ​ ​ 290 Consumer ​ — ​ — ​ — ​ — Total impaired loans ​ $ — ​ $ — ​ $ 2,910 ​ $ 2,910 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loan servicing rights ​ $ — ​ $ — ​ $ 3,790 ​ $ 3,790 ​ ​ (19 – continued) 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, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills ​ $ — ​ $ 250 ​ $ — ​ $ 250 Agency mortgage-backed ​ ​ — ​ ​ 8,384 ​ ​ — ​ ​ 8,384 Agency CMO ​ — ​ 13,530 ​ — ​ 13,530 Privately-issued CMO ​ — ​ 803 ​ — ​ 803 Privately-issued ABS ​ — ​ 772 ​ — ​ 772 SBA certificates ​ — ​ 2,138 ​ — ​ 2,138 Municipal bonds ​ — ​ 180,804 ​ — ​ 180,804 Total securities available for sale ​ $ — ​ $ 206,681 ​ $ — ​ $ 206,681 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 167,813 ​ $ — ​ $ 167,813 Derivative assets (included in other assets) ​ $ — ​ $ 1,465 ​ $ 2,167 ​ $ 3,632 Equity securities (included in other assets) ​ $ 112 ​ $ — ​ $ — ​ $ 112 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 49,579 ​ $ 49,579 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 35 ​ $ 600 ​ $ 635 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 71 ​ $ 71 Commercial real estate ​ — ​ — ​ — ​ — SBA commercial real estate ​ — ​ — ​ 4,169 ​ 4,169 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ — ​ — ​ — ​ — SBA commercial business ​ ​ — ​ ​ — ​ ​ — ​ ​ — Consumer ​ ​ — ​ ​ — ​ ​ 8 ​ ​ 8 Total impaired loans ​ $ — ​ $ — ​ $ 4,248 ​ $ 4,248 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loan servicing rights ​ $ — ​ $ — ​ $ 1,184 ​ $ 1,184 ​ 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. ​ (19 – continued) Securities Available for Sale and Equity Securities. Residential Mortgage Loans Held for Sale SBA and Single Tenant Net Lease 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. The table below presents a reconciliation of derivative assets and liabilities (interest rate lock commitments) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 1,567 ​ $ 14,937 ​ $ 3,269 Unrealized gains (losses) recognized in earnings, net of settlements ​ (1,805) ​ (13,370) ​ 11,668 ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ (238) ​ $ 1,567 ​ $ 14,937 ​ ​ (19 – continued) The realized and unrealized gains (losses) recognized in earnings in the table above are included in mortgage banking income on the accompanying consolidated statements of income. Losses recognized in earnings for the year ended September 30, 2022 attributable to Level 3 derivative assets and liabilities held at the balance sheet date were $238,000. Gains 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, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 Range ​ 2021 Range ​ ​ Significant ​ of Inputs ​ of Inputs ​ Unobservable (Weighted (Weighted Financial Instrument ​ Inputs ​ Average) ​ Average) ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 50% - 100% (78%) 58% - 100% (83%) ​ ​ Direct costs to close 0.00% - 4.00% (0.70%) 0.37% - 1.74% (0.86%) ​ Residential Mortgage Servicing Rights . The table below presents a reconciliation of residential MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Beginning balance $ 49,579 ​ $ 21,703 ​ $ 934 Issuances (loans sold with servicing retained) ​ 11,161 ​ ​ 36,679 ​ ​ 24,058 Net settlements ​ (7,539) ​ ​ (9,555) ​ ​ (1,542) Unrealized gains (losses) included in earnings ​ 10,062 ​ ​ 752 ​ ​ (1,747) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance $ 63,263 ​ $ 49,579 ​ $ 21,703 ​ Changes in the fair value of residential MSRs are included in mortgage banking income in the accompanying consolidated statements of income. The table below presents information about significant unobservable inputs (Level 3) used in the valuation of residential MSRs measured at fair value on a recurring basis as of September 30, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2022 ​ 2021 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument Inputs (Weighted Average) (Weighted Average) Residential MSRs Discount rate ​ 9.50% - 14.50% (9.51%) 8.50% - 10.00% (8.51%) ​ Prepayment rate ​ 6.01% - 74.89% (6.63%) 6.04% - 43.27% (10.00%) ​ ​ (19 – continued) 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, 2022 and 2021, 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, 2022, the significant unobservable inputs used in the fair value measurement of impaired loans included a discount from appraised value ranging from 0.0% to 100.0% and estimated costs to sell the collateral ranging from 0.0% to 10.0%. At September 30, 2021, the significant unobservable inputs used in the fair value measurement of impaired loans included a discount from appraised value ranging from 0.0% to 100.0% and estimated costs to sell the collateral ranging from 0.0% to 26.0%. Provisions for loan losses recognized for impaired loans for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Provision for loan losses recognized ​ $ 2,421 ​ $ 381 ​ $ 2,424 ​ SBA and Nonresidential Mortgage Loan Servicing Rights Impairment charges to write down SBA loan servicing rights to fair value for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Charges (reductions) to write down SBA loan servicing rights ​ $ 216 ​ $ 66 ​ $ (116) ​ Nonresidential mortgage loan servicing rights represent the value associated with servicing single tenant net lease loans that have been sold. The fair value of nonresidential mortgage loan servicing rights is determined by management on a quarterly basis using a discounted cash flow model, and is classified as Level 3 in the fair value hierarchy. At September 30, 2022 and 2021, the Company did not have any nonresidential mortgage loan servicing rights measured at fair value on a nonrecurring basis. The Company did not recognize any impairment charges on nonresidential mortgage loan servicing rights for the years ended September 30, 2022, 2021 and 2020. ​ (19 – 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 property. At September 30, 2022 and 2021, the Company did not have any other real estate owned measured at fair value on a nonrecurring basis. There were no charges to write down other real estate owned to fair value for the years ended September 30, 2022, 2021 and 2020. ​ Transfers between Categories Financial Instruments Recorded Using Fair Value Option. The Company has elected the fair value option for its residential mortgage loans held for sale. 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, 2022 or 2021. 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, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2022: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 38,579 ​ $ 38,517 ​ $ 62 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2021: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 167,813 ​ $ 163,158 ​ $ 4,655 ​ ​ (19 – 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, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ (385) ​ $ 2,017 ​ $ 7,504 Interest income ​ 3,989 ​ 5,695 ​ 5,026 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,604 ​ $ 7,712 ​ $ 12,530 ​ 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, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 18,312 ​ $ 18,312 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 23,353 ​ 23,353 ​ — ​ — Interest-bearing time deposits ​ 1,613 ​ — ​ 1,613 ​ — Securities available for sale ​ 316,517 ​ — ​ 316,517 ​ — Securities held to maturity ​ 1,558 ​ — ​ 1,593 ​ — Residential mortgage loans held for sale ​ 38,579 ​ ​ — ​ ​ 38,579 ​ — SBA loans held for sale ​ ​ 21,883 ​ ​ — ​ ​ 24,010 ​ ​ — Loans, net ​ 1,436,555 ​ — ​ — ​ 1,366,096 FRB and FHLB stock ​ 20,004 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 8,332 ​ — ​ 8,332 ​ — SBA loan servicing rights ​ ​ 3,790 ​ ​ — ​ ​ — ​ ​ 3,790 Residential mortgage loan servicing rights ​ ​ 63,263 ​ ​ — ​ ​ — ​ ​ 63,263 Nonresidential mortgage loan servicing rights ​ 141 ​ — ​ — ​ 141 Derivative assets (included in other assets) ​ 1,030 ​ — ​ 872 ​ 158 Equity securities (included in other assets) ​ ​ 103 ​ ​ 103 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ 1,515,834 ​ — ​ — ​ 1,510,792 Borrowings from FHLB ​ 307,303 ​ — ​ 302,090 ​ — Subordinated note ​ 50,217 ​ — ​ 48,685 ​ — Accrued interest payable ​ 1,302 ​ — ​ 1,302 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 1,207 ​ ​ — ​ ​ 1,207 ​ ​ — Derivative liabilities (included in other liabilities) ​ 427 ​ — ​ 31 ​ 396 ​ ​ (19 – continued) Fair Value of Financial Instruments - continued ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 14,191 ​ $ 14,191 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 19,237 ​ 19,237 ​ — ​ — Interest-bearing time deposits ​ 2,222 ​ — ​ 2,222 ​ — Securities available for sale ​ 206,681 ​ — ​ 206,681 ​ — Securities held to maturity ​ 1,837 ​ — ​ 2,054 ​ — Residential mortgage loans held for sale ​ 167,813 ​ — ​ 167,813 ​ — Single tenant net lease loans held for sale ​ ​ 23,020 ​ ​ — ​ ​ — ​ ​ 23,020 SBA loans held for sale ​ 24,107 ​ — ​ 27,312 ​ — Loans, net ​ 1,075,936 ​ — ​ — ​ 1,124,226 FRB and FHLB stock ​ 19,258 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 6,243 ​ — ​ 6,243 ​ — SBA loan servicing rights ​ 4,447 ​ — ​ — ​ 4,646 Residential mortgage loan servicing rights ​ ​ 49,579 ​ ​ — ​ ​ — ​ ​ 49,579 Derivative assets (included in other assets) ​ ​ 3,632 ​ ​ — ​ ​ 1,465 ​ ​ 2,167 Equity securities (included in other assets) ​ ​ 112 ​ ​ 112 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ ​ Deposits ​ 1,227,580 ​ — ​ — ​ 1,228,147 Borrowings from FHLB ​ 250,000 ​ — ​ 251,877 ​ — Subordinated note ​ 19,865 ​ — ​ 21,083 ​ — Accrued interest payable ​ 258 ​ — ​ 258 ​ — Advance payments by borrowers for taxes and insurance ​ 2,076 ​ — ​ 2,076 ​ — Derivative liabilities (included in other liabilities) ​ 635 ​ — ​ 35 ​ 600 ​ 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 17, and the fair value of these instruments is considered immaterial. The methods and assumptions used to estimate fair value are described as follows: Carrying amount is the estimated fair value for cash and cash equivalents, interest-bearing time deposits, accrued interest receivable and payable, advance payments by borrowers for taxes and insurance, demand deposits and other transaction accounts. The fair value of loans (excluding loans held for sale), fixed-maturity certificates of deposit, and borrowed funds is based on discounted cash flows using current market rates applied to the estimated life and credit risk of the instrument. It is not practicable to determine the fair value of FHLB and other restricted stock due to restrictions placed on its transferability. The methods and assumptions used to estimate the fair value of investment securities, loans held for sale, loan servicing rights, and derivative assets and liabilities are discussed previously in Note 19. The methods utilized to measure the fair value of financial instruments at September 30, 2022 and 2021 represent an approximation of exit price, but an actual exit price may differ.

CAPITAL REQUIREMENTS AND RESTRI

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	12 Months Ended
	Sep. 30, 2022
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	(20) The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1 and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and Tier 1 capital (as defined) to average assets (as defined). The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (“Basel III rules”) became effective for the Bank on January 1, 2015, with full compliance with all of the requirements having been 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 2022, 2021 and 2020. The Bank met all capital adequacy requirements to which it was subject as of September 30, 2022 and 2021. As of September 30, 2022, 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. ​ (20 – 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, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 226,283 12.65 % $ 143,088 8.00 % ​ N/A N/A ​ Bank ​ 209,602 11.74 % 142,828 8.00 % $ 178,535 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 160,706 8.99 % $ 107,316 6.00 % N/A N/A ​ Bank ​ 194,242 10.88 % 107,121 6.00 % $ 142,828 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 160,706 8.99 % $ 80,487 4.50 % N/A N/A ​ Bank ​ 194,242 10.88 % 80,341 4.50 % $ 116,048 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 160,706 8.03 % $ 80,043 4.00 % N/A N/A ​ Bank ​ 194,242 9.64 % 80,565 4.00 % $ 100,706 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 193,476 14.28 % $ 108,401 8.00 % ​ N/A N/A ​ Bank ​ 183,885 13.60 % 108,156 8.00 % $ 135,195 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,310 11.76 % $ 81,301 6.00 % N/A N/A ​ Bank ​ 169,584 12.54 % 81,117 6.00 % $ 108,156 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,310 11.76 % $ 60,976 4.50 % N/A N/A ​ Bank ​ 169,584 12.54 % 60,838 4.50 % $ 87,877 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,310 9.73 % $ 65,480 4.00 % N/A N/A ​ Bank ​ 169,584 10.07 % 67,333 4.00 % $ 84,166 5.00 % ​ ​ (20 – 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 then 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. Stock Split On August 16, 2021, the Company approved and declared a three three

SUPPLEMENTAL DISCLOSURE FOR EAR

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	12 Months Ended
	Sep. 30, 2022
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	(21) 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, 2022, 2021 and 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands, except share and per share data) ​ 2022 ​ 2021 ​ 2020 Basic: ​ ​ ​ Earnings: ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 16,444 ​ $ 29,567 ​ $ 33,354 Shares: ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 7,058,550 ​ 7,107,786 ​ 7,070,040 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 2.33 ​ $ 4.16 ​ $ 4.72 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 16,444 ​ $ 29,567 ​ $ 33,354 Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 7,058,550 ​ 7,107,786 ​ 7,070,040 Add: Dilutive effect of outstanding options ​ 71,240 ​ 56,176 ​ 48,540 Add: Dilutive effect of restricted stock ​ 12,056 ​ 9,771 ​ 9,282 Weighted average common shares outstanding, as adjusted ​ 7,141,846 ​ 7,173,733 ​ 7,127,862 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 2.30 ​ $ 4.12 ​ $ 4.68 ​ 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, 2022, 2021 and 2020. Stock options for 137,250, 49,974 and 66,474 shares of common stock were excluded from the calculation of diluted net income per common share for the years ended September 30, 2022, 2021 and 2020, respectively, because their effect was antidilutive.

PARENT COMPANY CONDENSED FINANC

PARENT COMPANY CONDENSED FINANCIAL INFORMATION	12 Months Ended
	Sep. 30, 2022
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
PARENT COMPANY CONDENSED FINANCIAL INFORMATION	(22) Condensed financial information for First Savings Financial Group, Inc. (parent company only) follows: Balance Sheets ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, (In thousands) 2022 2021 Assets: ​ ​ Cash and due from banks ​ $ 16,940 ​ $ 6,870 Other assets ​ 1,164 ​ 755 Investment in subsidiaries ​ 185,374 ​ 193,926 ​ ​ $ 203,478 ​ $ 201,551 ​ ​ ​ ​ ​ ​ ​ Liabilities and Equity: ​ ​ Subordinated notes ​ $ 50,217 ​ $ 19,865 Accrued expenses ​ 638 ​ 1,309 Stockholders’ equity ​ 152,623 ​ 180,377 ​ ​ $ 203,478 ​ $ 201,551 ​ Statements of Income ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2022 2021 2020 Dividend income from subsidiaries ​ $ 1,300 ​ $ 5,175 ​ $ 1,000 Interest expense ​ (2,111) ​ (1,274) ​ (1,274) Other operating expenses ​ (1,475) ​ (1,076) ​ (1,002) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before income taxes and equity in undistributed net income of subsidiaries ​ (2,286) ​ 2,825 ​ (1,276) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income tax benefit ​ 795 ​ 504 ​ 598 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before equity in undistributed net income of subsidiaries ​ (1,491) ​ 3,329 ​ (678) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ 17,935 ​ 26,238 ​ 34,032 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 16,444 ​ $ 29,567 ​ $ 33,354 ​ ​ (22 – continued) Statements of Cash Flows ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2022 2021 2020 Operating Activities: ​ ​ ​ Net income ​ $ 16,444 ​ $ 29,567 ​ $ 33,354 Adjustments to reconcile net income to net cash provided by (used in) operating activities: ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ (17,935) ​ (26,238) ​ (34,032) Stock compensation expense ​ 688 ​ 277 ​ 279 Net change in other assets and liabilities ​ (93) ​ 201 ​ 182 Net cash provided by (used in) operating activities ​ (896) ​ 3,807 ​ (217) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investing Activities: ​ ​ ​ Investment in bank subsidiary ​ (10,000) ​ — ​ — Net cash used in investing activities ​ (10,000) ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financing Activities: ​ ​ ​ Net proceeds from subordinated debt ​ 30,258 ​ — ​ — Exercise of stock options ​ — ​ 27 ​ 148 Tax paid on stock award shares for employees ​ (48) ​ (41) ​ (53) Purchase of treasury stock ​ ​ (4,745) ​ ​ — ​ ​ — Dividends paid ​ (4,499) ​ (1,685) ​ (1,590) Net cash provided by (used in) financing activities ​ 20,966 ​ (1,699) ​ (1,495) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net increase (decrease) in cash and due from banks ​ 10,070 ​ 2,108 ​ (1,712) Cash and due from banks at beginning of year ​ 6,870 ​ 4,762 ​ 6,474 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks at end of year ​ $ 16,940 ​ $ 6,870 ​ $ 4,762 ​

CONCENTRATION OF CREDIT RISK

CONCENTRATION OF CREDIT RISK	12 Months Ended
	Sep. 30, 2022
CONCENTRATION OF CREDIT RISK
CONCENTRATION OF CREDIT RISK	(23) At September 30, 2022 and 2021, the Company had a concentration of credit risk with correspondent banks in excess of the federal deposit insurance limit of $13.4 million and $9.5 million, respectively.

SUPPLEMENTAL DISCLOSURE OF CASH

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION	12 Months Ended
	Sep. 30, 2022
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION	(24) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2022 ​ 2021 ​ 2020 Cash payments for: ​ ​ ​ Interest ​ $ 9,301 ​ $ 8,517 ​ $ 10,817 Income taxes (net of refunds received) ​ (3,226) ​ 9,051 ​ 3,971 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-cash activities: ​ ​ ​ ​ Net transfers from loans to loans held for sale ​ ​ — ​ ​ 41,703 ​ ​ 15,916 Net transfers from loans held for sale to loans ​ 13,139 ​ — ​ — Transfers from loans to OREO ​ — ​ 426 ​ — Proceeds from sales of OREO financed through loans ​ ​ — ​ ​ — ​ ​ — Cashless exercise of stock options ​ 39 ​ 77 ​ 249 Transfers from OREO to premises and equipment ​ ​ 721 ​ ​ — ​ ​ — ​

SELECTED QUARTERLY FINANCIAL IN

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	12 Months Ended
	Sep. 30, 2022
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	(25) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2022: ​ ​ ​ ​ Interest income ​ $ 15,762 ​ $ 15,801 ​ $ 18,479 ​ $ 20,956 Interest expense ​ 1,859 ​ 1,788 ​ 2,568 ​ 4,131 Net interest income ​ 13,903 ​ 14,013 ​ 15,911 ​ 16,825 Provision (credit) for loan losses ​ 526 ​ (30) ​ 532 ​ 880 Net interest income after provision (credit) for loan losses ​ 13,377 ​ 14,043 ​ 15,379 ​ 15,945 Noninterest income ​ 16,591 ​ 20,072 ​ 10,033 ​ 4,531 Noninterest expenses ​ 24,852 ​ 25,461 ​ 22,835 ​ 18,001 Income before income taxes ​ 5,116 ​ 8,654 ​ 2,577 ​ 2,475 Income tax expense (benefit) ​ 811 ​ 1,619 ​ (61) ​ 9 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 4,305 ​ $ 7,035 ​ $ 2,638 ​ $ 2,466 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.60 ​ $ 0.99 ​ $ 0.37 ​ $ 0.35 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.60 ​ $ 0.98 ​ $ 0.37 ​ $ 0.35 ​ ​ (25 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2021: ​ ​ ​ ​ Interest income ​ $ 16,026 ​ $ 16,840 ​ $ 16,150 ​ $ 16,243 Interest expense ​ 2,287 ​ 2,060 ​ 1,921 ​ 1,819 Net interest income ​ 13,739 ​ 14,780 ​ 14,229 ​ 14,424 Provision (credit) for loan losses ​ 668 ​ 287 ​ (2,730) ​ 8 Net interest income after provision (credit) for loan losses ​ 13,071 ​ 14,493 ​ 16,959 ​ 14,416 Noninterest income ​ 46,183 ​ 38,973 ​ 18,785 ​ 16,495 Noninterest expenses ​ 44,402 ​ 39,284 ​ 30,619 ​ 25,104 Income before income taxes ​ 14,852 ​ 14,182 ​ 5,125 ​ 5,807 Income tax expense ​ 4,527 ​ 3,695 ​ 817 ​ 958 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ 10,325 ​ 10,487 ​ 4,308 ​ 4,849 Net income attributable to noncontrolling interest in subsidiary ​ 402 ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. ​ $ 9,923 ​ $ 10,487 ​ $ 4,308 ​ $ 4,849 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 1.40 ​ $ 1.48 ​ $ 0.61 ​ $ 0.68 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 1.39 ​ $ 1.46 ​ $ 0.60 ​ $ 0.67 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2020: ​ ​ ​ ​ Interest income ​ $ 13,661 ​ $ 13,554 ​ $ 14,719 ​ $ 15,765 Interest expense ​ 2,875 ​ 2,783 ​ 2,543 ​ 2,337 Net interest income ​ 10,786 ​ 10,771 ​ 12,176 ​ 13,428 Provision for loan losses ​ 505 ​ 1,705 ​ 2,980 ​ 2,772 Net interest income after provision for loan losses ​ 10,281 ​ 9,066 ​ 9,196 ​ 10,656 Noninterest income ​ 18,232 ​ 11,133 ​ 46,962 ​ 57,024 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 ​ $ 0.49 ​ $ (0.09) ​ $ 2.17 ​ $ 2.13 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, diluted ​ $ 0.48 ​ $ (0.09) ​ $ 2.17 ​ $ 2.12 ​

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Sep. 30, 2022
SEGMENT REPORTING
SEGMENT REPORTING	(26) 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. 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 ​ Mortgage ​ ​ ​ ​ Consolidated (In thousands) Banking Lending Banking Other Totals Year Ended September 30, 2022: ​ ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 54,252 ​ $ 6,108 ​ $ 2,360 ​ $ (2,068) ​ $ 60,652 Provision for loan losses ​ 1,295 ​ 613 ​ — ​ — ​ 1,908 Net interest income (loss) after provision ​ ​ 52,957 ​ ​ 5,495 ​ ​ 2,360 ​ ​ (2,068) ​ ​ 58,744 Net gains on sales of loans, SBA ​ — ​ 3,698 ​ — ​ — ​ 3,698 Mortgage banking income (loss) ​ ​ (2) ​ ​ — ​ ​ 38,339 ​ ​ — ​ ​ 38,337 Noninterest income ​ ​ 8,292 ​ ​ 4,623 ​ ​ 38,312 ​ ​ — ​ ​ 51,227 Noninterest expense (income) ​ ​ 38,821 ​ ​ 8,721 ​ ​ 43,962 ​ ​ (355) ​ ​ 91,149 Income (loss) before taxes ​ ​ 22,428 ​ ​ 1,397 ​ ​ (3,290) ​ ​ (1,713) ​ ​ 18,822 Income tax expense (benefit) ​ 3,377 ​ 408 ​ (618) ​ (789) ​ 2,378 Segment profit (loss) ​ 19,051 ​ 989 ​ (2,672) ​ (924) ​ 16,444 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,109 ​ 30 ​ 162 ​ 147 ​ 2,448 Segment assets at September 30, 2022 ​ 1,935,896 ​ 105,342 ​ 107,570 ​ (91,146) ​ 2,057,662 ​ ​ (26 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ Consolidated (In thousands) Banking Lending Banking Other Totals Year Ended September 30, 2021: ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 46,122 ​ $ 10,339 ​ $ 1,940 ​ $ (1,229) ​ $ 57,172 Provision (credit) for loan losses ​ ​ (1,782) ​ 15 ​ — ​ — ​ (1,767) Net interest income (loss) after provision ​ ​ 47,904 ​ ​ 10,324 ​ ​ 1,940 ​ ​ (1,229) ​ ​ 58,939 Net gains on sales of loans, SBA ​ — ​ 8,740 ​ — ​ — ​ 8,740 Mortgage banking income ​ ​ 4 ​ ​ — ​ ​ 104,500 ​ ​ — ​ ​ 104,504 Noninterest income ​ ​ 6,331 ​ ​ 9,661 ​ ​ 104,444 ​ ​ — ​ ​ 120,436 Noninterest expense (income) ​ ​ 35,636 ​ ​ 9,374 ​ ​ 94,768 ​ ​ (369) ​ ​ 139,409 Income (loss) before taxes ​ ​ 18,599 ​ ​ 10,611 ​ ​ 11,616 ​ ​ (860) ​ ​ 39,966 Income tax expense (benefit) ​ ​ 2,935 ​ 2,512 ​ 5,047 ​ (497) ​ 9,997 Segment profit (loss) ​ ​ 15,664 ​ 8,099 ​ 6,569 ​ (363) ​ 29,969 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 1,953 ​ 42 ​ 237 ​ 68 ​ 2,300 Segment assets at September 30, 2021 ​ 1,469,371 ​ 168,342 ​ 232,279 ​ (148,598) ​ 1,721,394 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ ​ Consolidated (In thousands) Banking Lending Banking Other Totals ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended September 30, 2020: ​ ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 39,408 ​ $ 5,911 ​ $ 3,046 ​ $ (1,204) ​ $ 47,161 Provision for loan losses ​ 4,636 ​ 3,326 ​ — ​ — ​ ​ 7,962 Net interest income (loss) after provision ​ 34,772 ​ 2,585 ​ 3,046 ​ (1,204) ​ ​ 39,199 Net gains on sales of loans, SBA ​ — ​ 5,673 ​ — ​ — ​ ​ 5,673 Mortgage banking income ​ 8 ​ — ​ 120,725 ​ — ​ ​ 120,733 Noninterest income ​ 5,905 ​ 6,751 ​ 120,695 ​ — ​ ​ 133,351 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 ​

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Sep. 30, 2022
REVENUE FROM CONTRACTS WITH CUSTOMERS
REVENUE FROM CONTRACTS WITH CUSTOMERS	(27) 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, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended ​ ​ September 30, (In thousands) 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 1,864 ​ $ 1,468 ​ $ 1,581 ATM and interchange fees ​ 2,753 ​ ​ 2,399 ​ 2,116 Investment advisory income ​ 717 ​ ​ 589 ​ 288 Other ​ 110 ​ ​ 103 ​ 101 Revenue from contracts with customers ​ 5,444 ​ ​ 4,559 ​ 4,086 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gain on sale of securities ​ 476 ​ ​ — ​ 7 Gain on sale of SBA loans ​ 3,698 ​ ​ 8,740 ​ 5,673 Gain on sale of single tenant net lease loans ​ ​ 719 ​ ​ — ​ ​ — Mortgage banking income ​ 38,337 ​ ​ 104,504 ​ 120,733 Increase in cash value of life insurance ​ 993 ​ ​ 785 ​ 732 Real estate lease income ​ 571 ​ ​ 592 ​ 589 Other ​ ​ 989 ​ ​ 1,256 ​ ​ 1,531 Other noninterest income ​ 45,783 ​ ​ 115,877 ​ 129,265 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 51,227 ​ $ 120,436 ​ $ 133,351 ​ 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 ​ (27 – continued) Other Income

MORTGAGE BANKING INCOME

MORTGAGE BANKING INCOME	12 Months Ended
	Sep. 30, 2022
MORTGAGE BANKING INCOME
MORTGAGE BANKING INCOME	(28) MORTGAGE BANKING INCOME ​ The components of mortgage banking income for the years ended September 30, 2022, 2021 and 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 2020 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ (674) ​ $ 83,874 ​ $ 105,659 Mortgage brokerage income ​ 762 ​ 1,500 ​ — Net change in fair value of loans held for sale ​ ​ ​ and interest rate lock commitments ​ (4,206) ​ (18,856) ​ 16,680 Realized and unrealized hedging gains (losses) ​ 20,398 ​ 4,140 ​ (22,412) Capitalized residential mortgage loan servicing rights ​ 11,161 ​ 36,679 ​ 24,058 Net change in fair value of residential mortgage loan servicing rights ​ 2,523 ​ (8,803) ​ (3,289) Net loan servicing income ​ 9,045 ​ 6,565 ​ 651 Provisions for loan repurchases and indemnifications ​ (672) ​ (595) ​ (614) Total mortgage banking income ​ $ 38,337 ​ $ 104,504 ​ $ 120,733 ​ (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Sep. 30, 2022
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 originally owned 51% of Q2’s membership interests. On December 31, 2020, the Bank completed the acquisition of the minority interests in Q2, and Q2 became a wholly-owned subsidiary of the Bank. As part of the acquisition of the minority interests, the Bank paid or expects to pay total consideration of $3.7 million. The acquisition was accounted for as an equity transaction, and resulted in the reclassification of the noncontrolling interests of $695,000, the recognition of net deferred tax assets of $581,000 and a reduction of additional paid-in capital of $2.4 million. The Captive, which is a wholly-owned insurance subsidiary of the Company, is a Nevada corporation that provides property and casualty insurance to the Company, the Bank and the Bank’s active subsidiaries. In addition, the Captive provides reinsurance to 11 other third-party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace.
Basis of Consolidation and Reclassifications	Basis of Consolidation and Reclassifications The consolidated financial statements include the accounts of the Company and its subsidiaries, have been prepared in accordance with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. Intercompany balances and transactions have been eliminated. Certain prior year amounts have been reclassified to conform to the current year presentation. The reclassifications had no effect on net income or stockholders’ equity.
Statements of Cash Flows	Statements of Cash Flows For purposes of the statements of cash flows, the Company has defined cash and cash equivalents as cash on hand, amounts due from banks (including cash items in process of clearing), interest-bearing deposits with other banks having an original maturity of 90 days or less and money market funds. ​
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate and other assets acquired in connection with foreclosures or in satisfaction of loans. In connection with the determination of the allowances for loan losses and the valuation of other real estate owned, management obtains independent appraisals for significant properties. A substantial portion of the 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 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. ​ (1 - continued) Investment Securities - continued 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. 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 The Company has 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, 2022 and 2021. At September 30, 2022 and 2021, SBA loans held for sale totaling $21.9 million and $24.1 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. ​ (1 - continued) Loans Held for Sale - continued During 2022 and 2021 the Company transferred certain single tenant net lease loans from loans to loans held for sale and sold those loans on the secondary market. At September 30, 2022, there were no single tenant net lease loans held for sale. At September 30, 2021, single tenant net lease loans held for sale totaling $23.0 million were carried at the lower of aggregate cost or fair value. Realized gains and losses on sales of single tenant net lease loans held for sale are determined using the specific identification method. Single tenant net lease loans held for sale are sold on a servicing retained basis.
Transfers of Financial Assets	Transfers of Financial Assets The Company accounts for transfers and servicing of financial assets in accordance with FASB ASC 860, Transfers and Servicing Transfers of 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. ​ (1 - continued) Loans and Allowance for Loan Losses - continued Nonaccrual Loans The recognition of income on a loan is discontinued and previously accrued interest is reversed when interest or principal payments become 90 days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income on nonaccrual loans is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss is considered remote. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. Loan Charge-Offs For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs of loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 45 days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon when the carrying value of the loan exceeds the property’s fair value, less estimated costs to sell. Allowance for Loan Losses The allowance for loan losses reflects management’s judgment of probable incurred loan losses at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company evaluates the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. ​ (1 - continued) Loans and Allowance for Loan Losses - continued 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 lookback periods of 24 to 48 months. 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; 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; the existence and effect of any concentrations of credit and other factors as determined by management including peer data and the economic uncertainties surrounding the coronavirus (“COVID-19”) pandemic. 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. At September 30, 2022, the Company’s allowance for loan losses totaled $15.4 million, of which $13.4 million related to qualitative factor adjustments. At September 30, 2021, the Company’s allowance for loan losses totaled $14.3 million, of which $13.1 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 (including first-lien home equity lines of credit) 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. ​ (1 - continued) Loans and Allowance for Loan Losses - continued 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. 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 participated in the Paycheck Protection Program (“PPP”) and 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. 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, 2022, 2021, and 2020. ​ (1 - continued) Loans and Allowance for Loan Losses - continued Impaired Loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, 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 a loan 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
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. ​ (1 - continued) Income Taxes - continued 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 stockholders’ 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 on sales of available for sale securities line item 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 June 2016, the FASB issued Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments – Credit Losses (Topic 326) In March 2022, the FASB issued ASU No. 2022-02, Financial Instruments - Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures. ​ (1 - continued) Recent Accounting Pronouncements - continued In June 2022, the FASB issued ASU No. 2022-03, Fair Value Measurements (Topic 820), Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions 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.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Sep. 30, 2022
INVESTMENT SECURITIES
Schedule of Amortized Cost and Securities Available For Sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2022: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,809 ​ $ — ​ $ 3,514 ​ $ 27,295 Agency mortgage-backed ​ ​ 30,786 ​ ​ 3 ​ ​ 3,289 ​ ​ 27,500 Agency CMO ​ 15,562 ​ — ​ 741 ​ 14,821 Privately-issued CMO ​ 495 ​ 4 ​ 29 ​ 470 Privately-issued ABS ​ 561 ​ 16 ​ 8 ​ 569 SBA certificates ​ 12,255 ​ 1 ​ 244 ​ 12,012 Municipal bonds ​ 260,326 ​ 167 ​ 26,643 ​ 233,850 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 350,794 ​ $ 191 ​ $ 34,468 ​ $ 316,517 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held to maturity: ​ ​ ​ ​ Agency mortgage-backed ​ $ 45 ​ $ — ​ $ — ​ $ 45 Municipal bonds ​ 1,513 ​ 35 ​ — ​ 1,548 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 1,558 ​ $ 35 ​ $ — ​ $ 1,593 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2021: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills ​ $ 250 ​ $ — ​ $ — ​ $ 250 Agency mortgage-backed ​ ​ 8,143 ​ ​ 293 ​ ​ 52 ​ ​ 8,384 Agency CMO ​ 13,315 ​ 235 ​ 20 ​ 13,530 Privately-issued CMO ​ 729 ​ 81 ​ 7 ​ 803 Privately-issued ABS ​ 721 ​ 51 ​ — ​ 772 SBA certificates ​ 2,157 ​ 2 ​ 21 ​ 2,138 Municipal bonds ​ 170,102 ​ 11,055 ​ 353 ​ 180,804 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 195,417 ​ $ 11,717 ​ $ 453 ​ $ 206,681 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held to maturity: ​ ​ ​ ​ Agency mortgage-backed ​ $ 64 ​ $ 5 ​ $ — ​ $ 69 Municipal bonds ​ 1,773 ​ 212 ​ — ​ 1,985 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 1,837 ​ $ 217 ​ $ — ​ $ 2,054
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, 2022 by contractual maturity are shown below. Expected maturities of mortgage and other asset-backed securities may differ from contractual maturities because the mortgages and other assets underlying the obligations may be prepaid without penalty. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value ​ ​ ​ Due within one year ​ $ 9,696 ​ $ 9,991 ​ $ 249 ​ $ 254 Due after one year through five years ​ 25,348 ​ 25,086 ​ 790 ​ 808 Due after five years through ten years ​ 67,149 ​ 62,891 ​ 474 ​ 486 Due after ten years ​ 188,942 ​ 163,177 ​ — ​ — CMO ​ 16,057 ​ 15,291 ​ — ​ — ABS ​ 561 ​ 569 ​ — ​ — SBA certificates ​ 12,255 ​ 12,012 ​ — ​ — Mortgage-backed securities ​ 30,786 ​ 27,500 ​ 45 ​ 45 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 350,794 ​ $ 316,517 ​ $ 1,558 ​ $ 1,593
Schedule of Investment Securities With Gross Unrealized Losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized (Dollars in thousands) Positions Value Losses September 30, 2022: ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 7 ​ $ 27,295 ​ $ 3,514 Agency mortgage-backed ​ 14 ​ ​ 24,987 ​ ​ 2,749 Agency CMO ​ 12 ​ ​ 8,896 ​ ​ 551 Privately-issued CMO ​ 2 ​ ​ 424 ​ ​ 20 SBA certificates ​ 1 ​ ​ 10,775 ​ ​ 225 Municipal bonds 259 ​ ​ 193,002 ​ ​ 24,922 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 295 ​ 265,379 ​ 31,981 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed 1 ​ 2,169 ​ 540 Agency CMO 2 ​ 1,199 ​ 190 Privately-issued CMO ​ 1 ​ ​ 19 ​ ​ 9 Privately-issued ABS ​ 1 ​ ​ 283 ​ ​ 8 SBA certificates 2 ​ 1,202 ​ 19 Municipal bonds 7 ​ 6,263 ​ 1,721 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 14 ​ 11,135 ​ 2,487 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale 309 ​ $ 276,514 ​ $ 34,468 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ 1 ​ $ 3,056 ​ $ 52 Agency CMO ​ 2 ​ ​ 1,466 ​ ​ 20 SBA certificates ​ 1 ​ ​ 2,013 ​ ​ 20 Municipal bonds 18 ​ 13,904 ​ 254 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 22 ​ 20,439 ​ 346 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Privately-issued CMO 1 ​ 23 ​ 7 SBA certificates 1 ​ 88 ​ 1 Municipal bonds ​ 1 ​ ​ 1,902 ​ ​ 99 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 3 ​ 2,013 ​ 107 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale 25 ​ $ 22,452 ​ $ 453
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, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Gross realized gains on sales ​ $ 488 ​ $ — ​ $ 17 Gross realized losses on sales ​ (12) ​ — ​ (10) Net realized gain on sales of available for sale securities and time deposits ​ $ 476 ​ $ — ​ $ 7

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Sep. 30, 2022
Loans and Allowance for Loan Losses
Schedule of loans	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 ​ ​ ​ ​ Real estate mortgage: ​ ​ 1-4 family residential ​ $ 368,211 ​ $ 241,425 Commercial ​ 169,861 ​ 149,600 Single tenant net lease ​ ​ 636,578 ​ ​ 403,692 SBA ​ ​ 59,379 ​ ​ 62,805 Multifamily residential ​ 32,411 ​ 40,324 Residential construction ​ 18,261 ​ 8,330 Commercial construction ​ 5,938 ​ 2,717 Land and land development ​ 11,880 ​ 10,217 Commercial business ​ 90,010 ​ 59,883 SBA commercial business (1) ​ ​ 20,282 ​ ​ 80,400 Consumer ​ ​ 38,052 ​ ​ 30,563 Total loans ​ 1,450,863 ​ 1,089,956 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net (2) ​ 1,052 ​ 281 Allowance for loan losses ​ (15,360) ​ (14,301) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,436,555 ​ $ 1,075,936 ​ (1) Includes $650,000 and $56.7 million of PPP loans at September 30, 2022 and 2021, respectively. (2) Includes $11,000 and $757,000 of net deferred loan fees related to PPP loans at September 30, 2022 and 2021, respectively.
Summary of activity for related party loans	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 Beginning balance ​ $ 5,975 ​ $ 7,716 New loans and advances ​ 5,022 ​ 4,832 Repayments ​ (2,531) ​ (2,601) Loans sold ​ ​ (191) ​ ​ (2,992) Reclassifications due to officer and director changes ​ (619) ​ (980) ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 7,656 ​ $ 5,975
Schedule of components of recorded investment in loans	The following tables provide the components of the recorded investment in loans as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 368,211 ​ $ 1,701 ​ $ 136 ​ $ 370,048 Commercial real estate ​ 169,861 ​ 533 ​ (304) ​ 170,090 Single tenant net lease ​ 636,578 ​ 1,979 ​ 47 ​ 638,604 SBA commercial real estate ​ ​ 59,379 ​ ​ 486 ​ ​ 1,108 ​ ​ 60,973 Multifamily ​ 32,411 ​ 62 ​ (40) ​ 32,433 Residential construction ​ ​ 18,261 ​ ​ 27 ​ ​ (89) ​ ​ 18,199 Commercial construction ​ ​ 5,938 ​ ​ 11 ​ ​ (25) ​ ​ 5,924 Land and land development ​ ​ 11,880 ​ ​ 18 ​ ​ 26 ​ ​ 11,872 Commercial business ​ ​ 90,010 ​ ​ 278 ​ ​ 48 ​ ​ 90,336 SBA commercial business ​ 20,282 ​ 163 ​ 218 ​ 20,663 Consumer ​ ​ 38,052 ​ ​ 121 ​ ​ 21 ​ ​ 38,152 ​ ​ $ 1,450,863 ​ $ 5,379 ​ $ 1,052 ​ $ 1,457,294 ​ ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ Recorded ​ ​ Evaluated for ​ Evaluated for ​ Investment in Recorded Investment in Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 367,800 ​ $ 370,048 Commercial real estate ​ ​ 907 ​ ​ 169,183 ​ ​ 170,090 Single tenant net lease ​ ​ — ​ ​ 638,604 ​ ​ 638,604 SBA commercial real estate ​ ​ 7,725 ​ ​ 53,248 ​ ​ 60,973 Multifamily ​ ​ 354 ​ ​ 32,079 ​ ​ 32,433 Residential construction ​ ​ — ​ ​ 18,199 ​ ​ 18,199 Commercial construction ​ ​ — ​ ​ 5,924 ​ ​ 5,924 Land and land development ​ ​ — ​ ​ 11,872 ​ ​ 11,872 Commercial business ​ ​ 1,007 ​ ​ 89,329 ​ ​ 90,336 SBA commercial business ​ ​ 1,091 ​ ​ 16,572 ​ ​ 20,663 Consumer ​ ​ 238 ​ ​ 37,914 ​ ​ 38,152 ​ ​ $ 13,570 ​ $ 1,443,724 ​ $ 1,457,294 ​ The following tables provide the components of the recorded investment in loans as of September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net Deferred ​ ​ ​ ​ ​ ​ ​ ​ Accrued ​ Loan ​ Recorded ​ ​ Principal Loan ​ Interest ​ Origination ​ Investment Recorded Investment in Loans: Balance Receivable Fees and Costs in Loans ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 241,425 ​ $ 821 ​ $ 24 ​ $ 242,270 Commercial real estate ​ ​ 149,600 ​ ​ 563 ​ ​ (208) ​ ​ 149,955 Single tenant net lease ​ 403,692 ​ 1,369 ​ (123) ​ 404,938 SBA commercial real estate ​ ​ 62,805 ​ ​ 475 ​ ​ 1,106 ​ ​ 64,386 Multifamily ​ 40,324 ​ 76 ​ (47) ​ 40,353 Residential construction ​ ​ 8,330 ​ ​ 14 ​ ​ (49) ​ ​ 8,295 Commercial construction ​ ​ 2,717 ​ ​ 6 ​ ​ (28) ​ ​ 2,695 Land and land development ​ ​ 10,217 ​ ​ 18 ​ ​ (6) ​ ​ 10,229 Commercial business ​ 59,883 ​ 171 ​ 49 ​ 60,103 SBA commercial business ​ ​ 80,400 ​ ​ 791 ​ ​ (420) ​ ​ 80,771 Consumer ​ ​ 30,563 ​ ​ 94 ​ ​ (17) ​ ​ 30,640 ​ ​ $ 1,089,956 ​ $ 4,398 ​ $ 281 ​ $ 1,094,635 ​ ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ Recorded ​ ​ Evaluated for ​ Evaluated for ​ Investment in Recorded Investment in Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ (In thousands) Residential real estate ​ $ 3,067 ​ $ 239,203 ​ $ 242,270 Commercial real estate ​ ​ 1,021 ​ ​ 148,934 ​ ​ 149,955 Single tenant net lease ​ ​ — ​ ​ 404,938 ​ ​ 404,938 SBA commercial real estate ​ ​ 9,153 ​ ​ 55,233 ​ ​ 64,386 Multifamily ​ ​ 482 ​ ​ 39,871 ​ ​ 40,353 Residential construction ​ ​ — ​ ​ 8,295 ​ ​ 8,295 Commercial construction ​ ​ — ​ ​ 2,695 ​ ​ 2,695 Land and land development ​ ​ — ​ ​ 10,229 ​ ​ 10,229 Commercial business ​ ​ 1,476 ​ ​ 58,627 ​ ​ 60,103 SBA commercial business ​ ​ 1,296 ​ ​ 79,475 ​ ​ 80,771 Consumer ​ ​ 248 ​ ​ 30,392 ​ ​ 30,640 ​ ​ $ 16,743 ​ $ 1,077,892 ​ $ 1,094,635
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, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ — $ 2,716 $ 2,716 Commercial real estate ​ ​ — ​ ​ 1,590 ​ ​ 1,590 Single tenant net lease ​ ​ — ​ ​ 3,838 ​ ​ 3,838 SBA commercial real estate ​ 290 ​ 2,288 ​ 2,578 Multifamily ​ ​ — ​ ​ 251 ​ ​ 251 Residential construction ​ ​ — ​ ​ 305 ​ ​ 305 Commercial construction ​ ​ — ​ ​ 107 ​ ​ 107 Land and land development ​ ​ — ​ ​ 212 ​ ​ 212 Commercial business ​ ​ — ​ ​ 1,193 ​ ​ 1,193 SBA commercial business ​ ​ 674 ​ ​ 1,448 ​ ​ 2,122 Consumer ​ ​ — ​ ​ 448 ​ ​ 448 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 964 ​ $ 14,396 ​ $ 15,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2021: ​ ​ ​ Residential real estate ​ $ — ​ $ 1,438 ​ $ 1,438 Commercial real estate ​ ​ — ​ ​ 2,806 ​ ​ 2,806 Single tenant net lease ​ — ​ 2,422 ​ 2,422 SBA commercial real estate ​ ​ 144 ​ ​ 3,361 ​ ​ 3,475 Multifamily ​ ​ — ​ ​ 518 ​ ​ 518 Residential construction ​ ​ — ​ ​ 191 ​ ​ 191 Commercial construction ​ ​ — ​ ​ 63 ​ ​ 63 Land and land development ​ ​ — ​ ​ 235 ​ ​ 235 Commercial business ​ ​ — ​ ​ 1,284 ​ ​ 1,284 SBA commercial business ​ ​ 18 ​ ​ 1,328 ​ ​ 1,346 Consumer ​ ​ 1 ​ ​ 522 ​ ​ 523 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 133 ​ $ 14,168 ​ $ 14,301 The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ 2,806 ​ (1,216) ​ — ​ — ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ 1,346 ​ 1,413 ​ (698) ​ 61 ​ 2,122 Consumer ​ 523 ​ 61 ​ (175) ​ 39 ​ 448 ​ ​ $ 14,301 ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2021: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,255 ​ $ 170 ​ $ (11) ​ $ 24 ​ $ 1,438 Commercial real estate ​ 3,058 ​ (252) ​ — ​ — ​ 2,806 Single tenant net lease ​ ​ 3,017 ​ ​ (595) ​ ​ — ​ ​ — ​ ​ 2,422 SBA commercial real estate ​ ​ 4,154 ​ ​ 234 ​ ​ (936) ​ ​ 23 ​ ​ 3,475 Multifamily ​ ​ 772 ​ ​ (254) ​ ​ — ​ ​ — ​ ​ 518 Residential construction ​ ​ 243 ​ ​ (52) ​ ​ — ​ ​ — ​ ​ 191 Commercial construction ​ ​ 181 ​ ​ (118) ​ ​ — ​ ​ — ​ ​ 63 Land and land development ​ ​ 243 ​ ​ (8) ​ ​ — ​ ​ — ​ ​ 235 Commercial business ​ ​ 1,449 ​ ​ (170) ​ ​ — ​ ​ 5 ​ ​ 1,284 SBA commercial business ​ 1,539 ​ (211) ​ (21) ​ 39 ​ 1,346 Consumer ​ 1,115 ​ (511) ​ (156) ​ 75 ​ 523 ​ ​ $ 17,026 ​ $ (1,767) ​ $ (1,124) ​ $ 166 ​ $ 14,301 The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Provisions ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Ending 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
Schedule of impaired loans individually evaluated for impairment	(4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2022. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Investment ​ Balance ​ Allowance ​ Investment ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 2,524 ​ $ — ​ $ 2,978 ​ $ 45 Commercial real estate ​ 907 ​ 982 ​ — ​ 1,038 ​ 21 Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 5,337 ​ ​ 5,952 ​ ​ — ​ ​ 7,235 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,007 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 221 ​ 532 ​ — ​ 412 ​ — Consumer ​ 93 ​ 81 ​ — ​ 91 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 10,167 ​ $ 11,658 ​ $ — ​ $ 13,487 ​ $ 92 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ 206 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,388 ​ ​ 2,919 ​ ​ 290 ​ ​ 2,213 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ — ​ — SBA commercial business ​ 870 ​ 1,349 ​ 674 ​ 802 ​ — Consumer ​ 145 ​ 145 ​ — ​ 146 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,403 ​ $ 4,413 ​ $ 964 ​ $ 3,367 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 2,524 ​ $ — ​ $ 3,184 ​ $ 45 Commercial real estate ​ 907 ​ 982 ​ — ​ 1,038 ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,725 ​ ​ 8,871 ​ ​ 290 ​ ​ 9,448 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,007 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 1,091 ​ 1,881 ​ 674 ​ 1,214 ​ — Consumer ​ 238 ​ 226 ​ — ​ 237 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,570 ​ $ 16,071 ​ $ 964 ​ $ 16,854 ​ $ 92 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2021. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Investment ​ Balance ​ Allowance ​ Investment ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,002 ​ $ 3,551 ​ $ — ​ $ 4,383 ​ $ 68 Commercial real estate ​ ​ 1,021 ​ ​ 1,092 ​ ​ — ​ ​ 1,148 ​ ​ 29 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 8,184 ​ ​ 8,873 ​ ​ — ​ ​ 4,738 ​ ​ — Multifamily ​ ​ 482 ​ ​ 539 ​ ​ — ​ ​ 638 ​ ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 1 ​ — Commercial business ​ 1,476 ​ 1,559 ​ — ​ 1,664 ​ 3 SBA commercial business ​ 1,278 ​ 1,534 ​ — ​ 820 ​ — Consumer ​ 103 ​ 97 ​ — ​ 90 ​ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 15,546 ​ $ 17,245 ​ $ — ​ $ 13,482 ​ $ 102 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 65 ​ $ 65 ​ $ — ​ $ 108 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 969 ​ ​ 1,394 ​ ​ 114 ​ ​ 3,389 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ 1 ​ — SBA commercial business ​ 18 ​ 21 ​ 18 ​ 248 ​ — Consumer ​ 145 ​ 144 ​ 1 ​ 169 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,197 ​ $ 1,624 ​ $ 133 ​ $ 3,915 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,067 ​ $ 3,616 ​ $ — ​ $ 4,491 ​ $ 68 Commercial real estate ​ ​ 1,021 ​ ​ 1,092 ​ ​ — ​ ​ 1,148 ​ ​ 29 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 9,153 ​ ​ 10,267 ​ ​ 114 ​ ​ 8,127 ​ ​ — Multifamily ​ ​ 482 ​ ​ 539 ​ ​ — ​ ​ 638 ​ ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 1 ​ — Commercial business ​ 1,476 ​ 1,559 ​ — ​ 1,665 ​ 3 SBA commercial business ​ 1,296 ​ 1,555 ​ 18 ​ 1,068 ​ — Consumer ​ 248 ​ 241 ​ 1 ​ 259 ​ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 16,743 ​ $ 18,869 ​ $ 133 ​ $ 17,397 ​ $ 102 ​ ​ (4 – 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 ​ ​
Schedule of nonperforming loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2022 ​ At September 30, 2021 ​ ​ ​ 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 ​ $ 1,213 ​ $ — ​ $ 1,213 ​ $ 1,894 ​ $ — ​ $ 1,894 Commercial real estate ​ 516 ​ — ​ 516 ​ 599 ​ — ​ 599 Single tenant net lease ​ — ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 7,725 ​ ​ — ​ ​ 7,725 ​ ​ 9,153 ​ ​ 472 ​ ​ 9,625 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ 482 ​ ​ — ​ ​ 482 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 73 ​ — ​ 73 ​ 1,370 ​ — ​ 1,370 SBA commercial business ​ 1,091 ​ — ​ 1,091 ​ 1,296 ​ — ​ 1,296 Consumer ​ 238 ​ — ​ 238 ​ 206 ​ — ​ 206 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 10,856 ​ $ — ​ $ 10,856 ​ $ 15,000 ​ $ 472 ​ $ 15,472
Schedule of aging of recorded investment in past due loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,169 ​ $ 53 ​ $ 204 ​ $ 1,426 ​ $ 368,622 ​ $ 370,048 Commercial real estate ​ — ​ — ​ 516 ​ 516 ​ 169,574 ​ 170,090 Single tenant net lease ​ — ​ — ​ — ​ — ​ 638,604 ​ 638,604 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 3,370 ​ ​ 3,370 ​ ​ 57,603 ​ ​ 60,973 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 32,433 ​ ​ 32,433 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,199 ​ ​ 18,199 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 5,924 ​ ​ 5,924 Land and land development ​ — ​ — ​ — ​ — ​ 11,872 ​ 11,872 Commercial business ​ — ​ — ​ 73 ​ 73 ​ 90,263 ​ 90,336 SBA commercial business ​ 231 ​ — ​ 237 ​ 468 ​ 20,195 ​ 20,663 Consumer ​ 95 ​ — ​ 58 ​ 153 ​ 37,999 ​ 38,152 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,495 ​ $ 53 ​ $ 4,458 ​ $ 6,006 ​ $ 1,451,288 ​ $ 1,457,294 ​ ​ (4 – continued) The following table presents the aging of the recorded investment in past due loans at September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) Residential real estate ​ $ 818 ​ $ 352 ​ $ 347 ​ $ 1,517 ​ $ 240,753 ​ $ 242,270 Commercial real estate ​ — ​ — ​ 599 ​ 599 ​ 149,356 ​ 149,955 Single tenant net lease ​ — ​ — ​ — ​ — ​ 404,938 ​ 404,938 SBA commercial real estate ​ ​ — ​ ​ 208 ​ ​ 4,990 ​ ​ 5,198 ​ ​ 59,188 ​ ​ 64,386 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 40,353 ​ ​ 40,353 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 8,295 ​ ​ 8,295 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 2,695 ​ ​ 2,695 Land and land development ​ — ​ — ​ — ​ — ​ 10,229 ​ 10,229 Commercial business ​ — ​ — ​ 3 ​ 3 ​ 60,100 ​ 60,103 SBA commercial business ​ 18 ​ 104 ​ 848 ​ 970 ​ 79,801 ​ 80,771 Consumer ​ 33 ​ 20 ​ 70 ​ 123 ​ 30,517 ​ 30,640 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 869 ​ $ 684 ​ $ 6,857 ​ $ 8,410 ​ $ 1,086,225 ​ $ 1,094,635
Schedule of investment in loans by risk category	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ September 30, 2022: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 368,377 ​ $ — ​ $ 1,501 ​ $ 170 ​ $ — ​ $ 370,048 Commercial real estate ​ 169,363 ​ — ​ 727 ​ — ​ — ​ 170,090 Single tenant net lease ​ ​ 638,604 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 638,604 SBA commercial real estate ​ ​ 51,053 ​ ​ 1,143 ​ ​ 7,112 ​ ​ 1,665 ​ ​ — ​ ​ 60,973 Multifamily ​ ​ 32,433 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 32,433 Residential construction ​ ​ 18,199 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,199 Commercial construction ​ ​ 5,924 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 5,924 Land and land development ​ ​ 11,872 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 11,872 Commercial business ​ 90,001 ​ 250 ​ 85 ​ — ​ — ​ 90,336 SBA commercial business ​ 17,583 ​ 284 ​ 2,755 ​ 41 ​ — ​ 20,663 Consumer ​ 38,059 ​ — ​ 93 ​ — ​ — ​ 38,152 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,441,468 ​ $ 1,677 ​ $ 12,273 ​ $ 1,876 ​ $ — ​ $ 1,457,294 ​ The following table presents the recorded investment in loans by risk category as of September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 240,078 ​ $ — ​ $ 2,018 ​ $ 174 ​ $ — ​ $ 242,270 Commercial real estate ​ 143,031 ​ 4,059 ​ 2,865 ​ — ​ — ​ 149,955 Single tenant net lease ​ 404,938 ​ — ​ — ​ — ​ — ​ 404,938 SBA commercial real estate ​ 45,465 ​ 5,343 ​ 10,339 ​ 3,239 ​ — ​ 64,386 Multifamily ​ 39,871 ​ — ​ 482 ​ — ​ — ​ 40,353 Residential construction ​ 8,295 ​ — ​ — ​ — ​ — ​ 8,295 Commercial construction ​ 2,695 ​ — ​ — ​ — ​ — ​ 2,695 Land and land development ​ 10,229 ​ — ​ — ​ — ​ — ​ 10,229 Commercial business ​ 58,583 ​ — ​ 1,520 ​ — ​ — ​ 60,103 SBA commercial business ​ 70,019 ​ 6,914 ​ 3,808 ​ 30 ​ — ​ 80,771 Consumer ​ 30,570 ​ — ​ 70 ​ — ​ — ​ 30,640 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,053,774 ​ $ 16,316 ​ $ 21,102 ​ $ 3,443 ​ $ — ​ $ 1,094,635
Schedule of information regarding TDRs that were restructured	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Accruing Nonaccrual Total ​ ​ (In thousands) September 30, 2022: ​ ​ ​ Residential real estate ​ $ 1,035 ​ $ — ​ $ 1,035 Commercial real estate ​ ​ 391 ​ ​ 430 ​ ​ 821 SBA commercial real estate ​ - ​ 1,627 ​ 1,627 Multifamily ​ ​ 354 ​ ​ — ​ ​ 354 Commercial business ​ 934 ​ — ​ 934 SBA commercial business ​ - ​ 273 ​ 273 Total ​ $ 2,714 ​ $ 2,330 ​ $ 5,044 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ ​ Residential real estate ​ $ 1,173 ​ $ — ​ $ 1,173 Commercial real estate ​ 422 ​ 465 ​ 887 SBA commercial real estate ​ ​ — ​ ​ 3,240 ​ ​ 3,240 Multifamily ​ ​ — ​ ​ 482 ​ ​ 482 Commercial business ​ 106 ​ 1,367 ​ 1,473 Consumer ​ 42 ​ — ​ 42 Total ​ $ 1,743 ​ $ 5,554 ​ $ 7,297
Schedule of Troubled Debt Restructurings	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pre- Post- ​ ​ ​ ​ Modification ​ Modification ​ ​ Number of ​ Principal ​ Principal ​ ​ Loans ​ Balance ​ Balance ​ ​ ​ ​ (Dollars in thousands) September 30, 2022: ​ ​ SBA commercial business 1 ​ $ 397 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 397 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ Commercial business 1 ​ $ 126 ​ $ 126 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 126 ​ $ 126 ​ ​ ​ ​ ​ ​ ​ ​ ​ 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
Schedule of loan servicing fees	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Late fees and ancillary fees earned ​ $ 93 ​ $ 88 ​ $ 54 Net servicing income ​ 2,425 ​ 2,171 ​ 1,806 SBA net servicing fees ​ $ 2,518 ​ $ 2,259 ​ $ 1,860
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, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Balance as of October 1 ​ $ 6 ​ $ 32 ​ $ 148 Additions (reductions) charged to earnings ​ 216 ​ 66 ​ (116) Write-downs charged against allowance ​ (43) ​ (92) ​ — Balance as of September 30 ​ $ 179 ​ $ 6 ​ $ 32
SBA Loan Servicing Rights [Member]
Loans and Allowance for Loan Losses
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2022 2021 Discount rate 6.90% to 25.00% (12.71%) 4.57% to 22.34% (9.97%) Prepayment rate 7.08% to 29.26% (15.27%) 8.30% to 24.51% (15.98%)
Schedule of loan servicing fees	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance as of October 1 $ 4,447 ​ $ 3,748 ​ $ 3,030 Servicing rights capitalized 846 ​ 1,980 ​ 1,450 Amortization (1,287) ​ (1,215) ​ (848) Direct write-offs (43) ​ (92) ​ — Change in valuation allowance (173) ​ 26 ​ 116 Balance as of September 30 $ 3,790 ​ $ 4,447 ​ $ 3,748
Mortgage Servicing Rights.
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, 2022, 2021 and 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value as of October 1 ​ $ 49,579 ​ $ 21,703 ​ $ 934 Servicing rights capitalized ​ ​ 11,161 ​ ​ 36,679 ​ ​ 24,058 Changes in fair value related to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (7,539) ​ ​ (9,555) ​ ​ (1,542) Changes in valuation model inputs or assumptions ​ ​ 10,062 ​ ​ 752 ​ ​ (1,747) Fair value as of September 30 ​ $ 63,263 ​ $ 49,579 ​ $ 21,703
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2022 2021 Discount rate 9.50% to 14.50% (9.51%) ​ 8.50% to 10.00% (8.51%) Prepayment rate 6.01% to 74.89% (6.63%) ​ 6.04% to 43.27% (10.00%)
Nonresidential MSR
Loans and Allowance for Loan Losses
Schedule of loan servicing fees	An analysis of nonresidential MSRs for 2022 is as follows: ​ ​ ​ ​ ​ ​ 2022 ​ ​ (In thousands) ​ ​ ​ ​ Balance, beginning of year ​ $ — Servicing rights capitalized ​ 160 Amortization ​ (19) Direct write-offs ​ — Change in valuation allowance ​ — Balance, end of year ​ $ 141

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Sep. 30, 2022
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 Land and land improvements ​ $ 5,328 ​ $ 4,561 Office buildings ​ 23,942 ​ 23,826 Leasehold improvements ​ 66 ​ 66 Furniture, fixtures and equipment ​ ​ 9,187 ​ ​ 9,206 Construction in progress ​ 749 ​ 400 ​ ​ 39,272 ​ 38,059 Less: accumulated depreciation ​ (12,172) ​ (10,390) ​ ​ ​ ​ ​ ​ ​ Totals ​ $ 27,100 ​ $ 27,669 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Depreciation expense ​ $ 2,125 ​ $ 2,023 ​ $ 1,576

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Sep. 30, 2022
OTHER REAL ESTATE OWNED
Other Real Estate, Roll Forward	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Balance as of October 1 ​ $ 1,728 ​ $ 1,728 ​ $ 1,893 Transfers from loans to OREO ​ — ​ 426 ​ — Transfers from OREO to premises and equipment ​ (721) ​ — ​ — Sales ​ (804) ​ (426) ​ (165) Balance as of September 30 ​ $ 203 ​ $ 1,728 ​ $ 1,728
Schedule Of Gain Loss On Other Real Estate Owned	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Net (gain)/loss on sales ​ $ 115 ​ $ (74) ​ $ (16) Operating expenses, net of rental income ​ — ​ 10 ​ 15 ​ ​ $ 115 ​ $ (64) ​ $ (1)

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	12 Months Ended
	Sep. 30, 2022
GOODWILL AND OTHER INTANGIBLES
Changes in carrying amount of goodwill	The changes in the carrying amount of goodwill for the years ended September 30, 2022, 2021 and 2020 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Beginning balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 Acquisition of Dearmin/FNBO ​ — ​ — ​ — Ending balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848
Summary of other intangible assets	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 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 ​ (4,019) ​ (3,806) Ending balance ​ $ 775 ​ $ 988
Schedule of intangible assets amortization expenses	Amortization expense on intangibles for the years ended September 30, 2022, 2021 and 2020 is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Amortization expense ​ $ 214 ​ $ 214 ​ $ 214
Estimated amortization expense for the core deposit intangibles	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2023 ​ $ 214 2024 ​ 163 2025 ​ 163 2026 ​ 163 2027 ​ 72 Total ​ $ 775

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Sep. 30, 2022
Deposits
Schedule of deposits	Deposits at September 30, 2022 and 2021 consisted of the following: ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 340,172 ​ $ 291,039 NOW accounts ​ 343,296 ​ 315,169 Money market accounts ​ 238,219 ​ 222,972 Savings accounts ​ 171,779 ​ 162,033 Retail time deposits ​ 129,864 ​ 136,309 Brokered and reciprocal certificates of deposit ​ 292,504 ​ 100,058 ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,515,834 ​ $ 1,227,580
Schedule Of Maturities Of Certificates Of Deposit	At September 30, 2022, scheduled maturities of time deposits were as follows: ​ ​ ​ ​ Years ending September 30: (In thousands) 2023 ​ $ 368,081 2024 ​ 28,960 2025 ​ 8,213 2026 ​ 6,868 2027 ​ ​ 10,246 Total ​ $ 422,368

BORROWINGS FROM FEDERAL HOME _2

BORROWINGS FROM FEDERAL HOME LOAN BANK (Tables)	12 Months Ended
	Sep. 30, 2022
BORROWINGS FROM FEDERAL HOME LOAN BANK
Borrowings from the FHLB	At September 30, 2022 and 2021 borrowings from the FHLB were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 ​ Weighted ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ ​ Average ​ ​ ​ (Dollars in thousands) ​ Rate ​ Amount ​ Rate ​ Amount Advances maturing in: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 — % $ — 2.01 ​ $ 10,000 2023 3.00 ​ 130,000 — ​ — 2024 — ​ — 2.02 ​ 50,000 2025 1.51 ​ 10,000 1.51 ​ 10,000 2026 1.13 ​ 20,000 1.13 ​ 20,000 2027 and beyond ​ 1.27 ​ ​ 135,000 ​ 0.77 ​ ​ 160,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total advances ​ ​ 295,000 ​ ​ 250,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Line of credit balance 3.45 ​ 12,303 0.43 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total borrowings from FHLB ​ $ 307,303 ​ $ 250,000

DEFERRED COMPENSATION PLANS (Ta

DEFERRED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2022
Officer
DEFERRED COMPENSATION PLANS
Schedule of deferred compensation expense	Deferred compensation expense for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Deferred compensation expense (income) ​ $ 164 ​ $ 129 ​ $ (4)
Director
DEFERRED COMPENSATION PLANS
Schedule of deferred compensation expense	Deferred directors’ fees expense for the years ended September 30, 2022, 2021 and 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Deferred directors’ fee expense ​ $ 202 ​ $ 166 ​ $ 187

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Sep. 30, 2022
BENEFIT PLANS
Schedule of defined contributions to the plan	Company contributions to the plan for the years ended September 30, 2022, 2021 and 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Company contributions to the plan ​ $ 1,366 ​ $ 1,633 ​ $ 1,420

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2022
STOCK-BASED COMPENSATION PLANS
Schedule stock based compensation expense related to stock options and restricted stock	Stock based compensation expense related to stock options and restricted stock for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Stock option expense ​ $ 296 ​ $ 92 ​ $ 86 Restricted stock expense ​ 391 ​ 184 ​ 193
Schedule of fair value of options granted	The fair value of options granted during the year ended September 30, 2022 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 2.32 % Risk-free interest rate ​ 1.55 % Expected volatility ​ 27.0 % Expected life of options ​ 7.1 years ​ Weighted average fair value at grant date ​ $ 7.03 ​ The fair value of options granted during the years ended September 30, 2021 and 2020 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, 2022, 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 217,074 ​ $ 16.58 ​ Granted 137,250 ​ 26.72 ​ Exercised (2,955) ​ 13.36 ​ Forfeited or expired — ​ — ​ Outstanding at end of year 351,369 ​ $ 20.57 6.8 ​ $ 1,566,000 Vested and expected to vest 351,369 ​ $ 20.57 6.8 ​ $ 1,566,000 Exercisable at end of year 168,344 ​ $ 15.28 4.7 ​ $ 1,458,000
Schedule of nonvested restricted shares activity	A summary of the Company’s nonvested restricted shares activity as of September 30, 2022 and changes during the year then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ Number ​ Average ​ ​ of ​ Grant Date ​ ​ Shares ​ Fair Value Nonvested at October 1, 2021 17,799 ​ $ 16.72 Granted 45,750 ​ $ 26.72 Vested (12,225) ​ $ 14.88 Forfeited — ​ $ — Nonvested at September 30, 2022 51,324 ​ $ 26.07

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Sep. 30, 2022
INCOME TAXES
Schedule of components of income tax expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Current ​ $ 283 ​ $ 2,166 ​ $ 8,295 Valuation allowance ​ (78) ​ (34) ​ 193 Deferred ​ 2,173 ​ 7,865 ​ 4,173 Income tax expense ​ $ 2,378 ​ $ 9,997 ​ $ 12,661 ​
Schedule of 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, 2022, 2021 and 2020 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Provision at federal statutory rate ​ $ 3,953 ​ $ 8,308 ​ $ 9,816 State income tax-net of federal tax benefit ​ 297 ​ 901 ​ 1,815 Tax-exempt interest income ​ (1,314) ​ (1,045) ​ (962) Bank owned life insurance ​ (209) ​ (194) ​ (154) Captive insurance net premiums ​ (375) ​ (303) ​ (295) Increase (decrease) in federal deferred tax valuation allowance ​ (78) ​ (20) ​ 193 Nondeductible officer compensation ​ — ​ 2,238 ​ 2,373 Other ​ 104 ​ 112 ​ (125) Income tax expense ​ $ 2,378 ​ $ 9,997 ​ $ 12,661
Schedule of deferred tax assets and liabilities	Significant components of deferred tax assets and liabilities at September 30, 2022 and 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 Deferred tax assets: ​ ​ Allowance for loan losses ​ $ 3,719 ​ $ 3,460 Operating lease liability ​ 1,100 ​ 1,430 Deferred compensation plans ​ 475 ​ 426 Equity incentive plans ​ 117 ​ 45 Other-than-temporary impairment loss on available for sale securities ​ 17 ​ 20 Interest on nonaccrual loans ​ 165 ​ 236 Loss on tax credit investments ​ 1,638 ​ 1,640 Unrealized loss on securities available for sale ​ 7,198 ​ — Net operating loss carryforwards ​ 400 ​ — Mark to market adjustments ​ ​ 514 ​ ​ 817 Other ​ 1,246 ​ 278 Gross deferred tax assets ​ 16,589 ​ 8,352 Valuation allowance ​ (1,570) ​ (1,648) Net deferred tax assets ​ 15,019 ​ 6,704 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Unrealized gain on securities available for sale ​ — ​ (2,366) Accumulated depreciation ​ (2,099) ​ (2,014) Operating lease right of use asset ​ ​ (1,069) ​ ​ (1,403) Installment sale ​ (349) ​ (360) Acquisition purchase accounting adjustments ​ (1,284) ​ (853) Mortgage servicing rights ​ (15,498) ​ (12,336) FHLB stock dividends ​ (71) ​ (85) Prepaid expenses ​ (776) ​ (829) Deferred loan fees and costs, net ​ ​ (180) ​ ​ (239) Other ​ (101) ​ (96) Deferred tax liabilities ​ (21,427) ​ (20,581) ​ ​ ​ ​ ​ ​ ​ Net deferred tax liability ​ $ (6,408) ​ $ (13,877) ​

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Sep. 30, 2022
LEASES
Schedule of components of lease	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating lease cost ​ $ 621 ​ $ 1,204 ​ $ 1,294 Short-term lease cost ​ ​ 501 ​ ​ 836 ​ ​ 644 ​ ​ $ 1,122 ​ $ 2,040 ​ $ 1,938
Schedule of future minimum commitments due under the lease agreements	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2023 ​ $ 412 2024 ​ 324 2025 ​ 228 2026 ​ 203 2027 ​ 211 Thereafter ​ 4,991 Total lease payments ​ 6,369 Less imputed interest ​ ​ (1,815) Total ​ $ 4,554
Schedule of lease term and discount rate	​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 ​ Weighted-average remaining lease term (years) 23.7 ​ 21.5 ​ Weighted-average discount rate ​ 2.89 % 2.53 %
Schedule of supplemental cash flow information related to leases	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 607 ​ $ 1,253 ​ $ 1,221 ROU assets obtained in exchange for lease obligations: ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating leases ​ ​ 275 ​ ​ 2,038 ​ ​ 9,083
Schedule of lessor future minimum lease payments	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2023 $ 469 2024 ​ 469 2025 ​ 354 2026 ​ 8 2027 ​ 8 2028 and thereafter ​ 5 Total $ 1,313

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Sep. 30, 2022
Commitments to extend credit
COMMITMENTS AND CONTINGENCIES
Schedule of Fair Value, Off-balance sheet risks	The following is a summary of the commitments to extend credit at September 30, 2022 and 2021. Interest rate lock commitments that meet the definition of a derivative are excluded from these totals. ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 Loan commitments: ​ ​ Fixed rate ​ $ 53,692 ​ $ 49,722 Adjustable rate ​ 71,167 ​ 28,137 ​ ​ ​ ​ ​ ​ ​ Guarantees of third-party revolving credit ​ 286 ​ 177 Undisbursed portion of home equity lines of credit ​ 105,208 ​ 35,995 Undisbursed portion of commercial and personal lines of credit ​ 52,146 ​ 47,452 Undisbursed portion of construction loans in process ​ 45,265 ​ 31,323 Total commitments to extend credit ​ $ 327,764 ​ $ 192,806

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Sep. 30, 2022
DERIVATIVE FINANCIAL INSTRUMENTS
Schedule of derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 48,952 ​ $ 158 ​ $ 396 Forward mortgage loan sale contracts ​ 60,000 ​ 872 ​ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 108,952 ​ $ 1,030 ​ $ 427 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 331,178 ​ $ 2,167 ​ $ 600 Forward mortgage loan sale contracts ​ 291,750 ​ 1,465 ​ 35 ​ ​ $ 622,928 ​ $ 3,632 ​ $ 635
Schedule of Income (loss) related to derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ (1,805) ​ $ (13,370) ​ $ 11,668 Forward mortgage loan sale contracts ​ 20,398 ​ 4,140 ​ (22,412) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 18,593 ​ $ (9,230) ​ $ (10,744)

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Sep. 30, 2022
FAIR VALUE MEASUREMENTS
Schedule of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ — ​ $ 27,295 ​ $ — ​ $ 27,295 Agency mortgage-backed ​ ​ — ​ ​ 27,500 ​ ​ — ​ ​ 27,500 Agency CMO ​ — ​ 14,821 ​ — ​ 14,821 Privately-issued CMO ​ — ​ 470 ​ — ​ 470 Privately-issued ABS ​ — ​ 569 ​ — ​ 569 SBA certificates ​ — ​ 12,012 ​ — ​ 12,012 Municipal bonds ​ — ​ 233,850 ​ — ​ 233,850 Total securities available for sale ​ $ — ​ $ 316,517 ​ $ — ​ $ 316,517 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 38,579 ​ $ — ​ $ 38,579 Derivative assets (included in other assets) ​ $ — ​ $ 872 ​ $ 158 ​ $ 1,030 Equity securities (included in other assets) ​ $ 103 ​ $ — ​ $ — ​ $ 103 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 63,263 ​ $ 63,263 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 31 ​ $ 396 ​ $ 427 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ — Commercial real estate ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 2,574 ​ ​ 2,574 Multifamily ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ 46 ​ 46 SBA commercial business ​ ​ — ​ ​ — ​ ​ 290 ​ ​ 290 Consumer ​ — ​ — ​ — ​ — Total impaired loans ​ $ — ​ $ — ​ $ 2,910 ​ $ 2,910 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loan servicing rights ​ $ — ​ $ — ​ $ 3,790 ​ $ 3,790 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills ​ $ — ​ $ 250 ​ $ — ​ $ 250 Agency mortgage-backed ​ ​ — ​ ​ 8,384 ​ ​ — ​ ​ 8,384 Agency CMO ​ — ​ 13,530 ​ — ​ 13,530 Privately-issued CMO ​ — ​ 803 ​ — ​ 803 Privately-issued ABS ​ — ​ 772 ​ — ​ 772 SBA certificates ​ — ​ 2,138 ​ — ​ 2,138 Municipal bonds ​ — ​ 180,804 ​ — ​ 180,804 Total securities available for sale ​ $ — ​ $ 206,681 ​ $ — ​ $ 206,681 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 167,813 ​ $ — ​ $ 167,813 Derivative assets (included in other assets) ​ $ — ​ $ 1,465 ​ $ 2,167 ​ $ 3,632 Equity securities (included in other assets) ​ $ 112 ​ $ — ​ $ — ​ $ 112 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 49,579 ​ $ 49,579 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 35 ​ $ 600 ​ $ 635 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 71 ​ $ 71 Commercial real estate ​ — ​ — ​ — ​ — SBA commercial real estate ​ — ​ — ​ 4,169 ​ 4,169 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ — ​ — ​ — ​ — SBA commercial business ​ ​ — ​ ​ — ​ ​ — ​ ​ — Consumer ​ ​ — ​ ​ — ​ ​ 8 ​ ​ 8 Total impaired loans ​ $ — ​ $ — ​ $ 4,248 ​ $ 4,248 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loan servicing rights ​ $ — ​ $ — ​ $ 1,184 ​ $ 1,184
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 and liabilities (interest rate lock commitments) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 1,567 ​ $ 14,937 ​ $ 3,269 Unrealized gains (losses) recognized in earnings, net of settlements ​ (1,805) ​ (13,370) ​ 11,668 ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ (238) ​ $ 1,567 ​ $ 14,937
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, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 Range ​ 2021 Range ​ ​ Significant ​ of Inputs ​ of Inputs ​ Unobservable (Weighted (Weighted Financial Instrument ​ Inputs ​ Average) ​ Average) ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 50% - 100% (78%) 58% - 100% (83%) ​ ​ Direct costs to close 0.00% - 4.00% (0.70%) 0.37% - 1.74% (0.86%)
Summary of reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs	The table below presents a reconciliation of residential MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Beginning balance $ 49,579 ​ $ 21,703 ​ $ 934 Issuances (loans sold with servicing retained) ​ 11,161 ​ ​ 36,679 ​ ​ 24,058 Net settlements ​ (7,539) ​ ​ (9,555) ​ ​ (1,542) Unrealized gains (losses) included in earnings ​ 10,062 ​ ​ 752 ​ ​ (1,747) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance $ 63,263 ​ $ 49,579 ​ $ 21,703
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 residential MSRs measured at fair value on a recurring basis as of September 30, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2022 ​ 2021 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument Inputs (Weighted Average) (Weighted Average) Residential MSRs Discount rate ​ 9.50% - 14.50% (9.51%) 8.50% - 10.00% (8.51%) ​ Prepayment rate ​ 6.01% - 74.89% (6.63%) 6.04% - 43.27% (10.00%)
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, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ — $ 2,716 $ 2,716 Commercial real estate ​ ​ — ​ ​ 1,590 ​ ​ 1,590 Single tenant net lease ​ ​ — ​ ​ 3,838 ​ ​ 3,838 SBA commercial real estate ​ 290 ​ 2,288 ​ 2,578 Multifamily ​ ​ — ​ ​ 251 ​ ​ 251 Residential construction ​ ​ — ​ ​ 305 ​ ​ 305 Commercial construction ​ ​ — ​ ​ 107 ​ ​ 107 Land and land development ​ ​ — ​ ​ 212 ​ ​ 212 Commercial business ​ ​ — ​ ​ 1,193 ​ ​ 1,193 SBA commercial business ​ ​ 674 ​ ​ 1,448 ​ ​ 2,122 Consumer ​ ​ — ​ ​ 448 ​ ​ 448 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 964 ​ $ 14,396 ​ $ 15,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2021: ​ ​ ​ Residential real estate ​ $ — ​ $ 1,438 ​ $ 1,438 Commercial real estate ​ ​ — ​ ​ 2,806 ​ ​ 2,806 Single tenant net lease ​ — ​ 2,422 ​ 2,422 SBA commercial real estate ​ ​ 144 ​ ​ 3,361 ​ ​ 3,475 Multifamily ​ ​ — ​ ​ 518 ​ ​ 518 Residential construction ​ ​ — ​ ​ 191 ​ ​ 191 Commercial construction ​ ​ — ​ ​ 63 ​ ​ 63 Land and land development ​ ​ — ​ ​ 235 ​ ​ 235 Commercial business ​ ​ — ​ ​ 1,284 ​ ​ 1,284 SBA commercial business ​ ​ 18 ​ ​ 1,328 ​ ​ 1,346 Consumer ​ ​ 1 ​ ​ 522 ​ ​ 523 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 133 ​ $ 14,168 ​ $ 14,301 The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ 2,806 ​ (1,216) ​ — ​ — ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ 1,346 ​ 1,413 ​ (698) ​ 61 ​ 2,122 Consumer ​ 523 ​ 61 ​ (175) ​ 39 ​ 448 ​ ​ $ 14,301 ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2021: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,255 ​ $ 170 ​ $ (11) ​ $ 24 ​ $ 1,438 Commercial real estate ​ 3,058 ​ (252) ​ — ​ — ​ 2,806 Single tenant net lease ​ ​ 3,017 ​ ​ (595) ​ ​ — ​ ​ — ​ ​ 2,422 SBA commercial real estate ​ ​ 4,154 ​ ​ 234 ​ ​ (936) ​ ​ 23 ​ ​ 3,475 Multifamily ​ ​ 772 ​ ​ (254) ​ ​ — ​ ​ — ​ ​ 518 Residential construction ​ ​ 243 ​ ​ (52) ​ ​ — ​ ​ — ​ ​ 191 Commercial construction ​ ​ 181 ​ ​ (118) ​ ​ — ​ ​ — ​ ​ 63 Land and land development ​ ​ 243 ​ ​ (8) ​ ​ — ​ ​ — ​ ​ 235 Commercial business ​ ​ 1,449 ​ ​ (170) ​ ​ — ​ ​ 5 ​ ​ 1,284 SBA commercial business ​ 1,539 ​ (211) ​ (21) ​ 39 ​ 1,346 Consumer ​ 1,115 ​ (511) ​ (156) ​ 75 ​ 523 ​ ​ $ 17,026 ​ $ (1,767) ​ $ (1,124) ​ $ 166 ​ $ 14,301 The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended September 30, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Provisions ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Ending 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
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, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Charges (reductions) to write down SBA loan servicing rights ​ $ 216 ​ $ 66 ​ $ (116)
Schedule of aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2022: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 38,579 ​ $ 38,517 ​ $ 62 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2021: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 167,813 ​ $ 163,158 ​ $ 4,655 ​
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, 2022, 2021 and 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ (385) ​ $ 2,017 ​ $ 7,504 Interest income ​ 3,989 ​ 5,695 ​ 5,026 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,604 ​ $ 7,712 ​ $ 12,530
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	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 18,312 ​ $ 18,312 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 23,353 ​ 23,353 ​ — ​ — Interest-bearing time deposits ​ 1,613 ​ — ​ 1,613 ​ — Securities available for sale ​ 316,517 ​ — ​ 316,517 ​ — Securities held to maturity ​ 1,558 ​ — ​ 1,593 ​ — Residential mortgage loans held for sale ​ 38,579 ​ ​ — ​ ​ 38,579 ​ — SBA loans held for sale ​ ​ 21,883 ​ ​ — ​ ​ 24,010 ​ ​ — Loans, net ​ 1,436,555 ​ — ​ — ​ 1,366,096 FRB and FHLB stock ​ 20,004 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 8,332 ​ — ​ 8,332 ​ — SBA loan servicing rights ​ ​ 3,790 ​ ​ — ​ ​ — ​ ​ 3,790 Residential mortgage loan servicing rights ​ ​ 63,263 ​ ​ — ​ ​ — ​ ​ 63,263 Nonresidential mortgage loan servicing rights ​ 141 ​ — ​ — ​ 141 Derivative assets (included in other assets) ​ 1,030 ​ — ​ 872 ​ 158 Equity securities (included in other assets) ​ ​ 103 ​ ​ 103 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ 1,515,834 ​ — ​ — ​ 1,510,792 Borrowings from FHLB ​ 307,303 ​ — ​ 302,090 ​ — Subordinated note ​ 50,217 ​ — ​ 48,685 ​ — Accrued interest payable ​ 1,302 ​ — ​ 1,302 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 1,207 ​ ​ — ​ ​ 1,207 ​ ​ — Derivative liabilities (included in other liabilities) ​ 427 ​ — ​ 31 ​ 396 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 14,191 ​ $ 14,191 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 19,237 ​ 19,237 ​ — ​ — Interest-bearing time deposits ​ 2,222 ​ — ​ 2,222 ​ — Securities available for sale ​ 206,681 ​ — ​ 206,681 ​ — Securities held to maturity ​ 1,837 ​ — ​ 2,054 ​ — Residential mortgage loans held for sale ​ 167,813 ​ — ​ 167,813 ​ — Single tenant net lease loans held for sale ​ ​ 23,020 ​ ​ — ​ ​ — ​ ​ 23,020 SBA loans held for sale ​ 24,107 ​ — ​ 27,312 ​ — Loans, net ​ 1,075,936 ​ — ​ — ​ 1,124,226 FRB and FHLB stock ​ 19,258 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 6,243 ​ — ​ 6,243 ​ — SBA loan servicing rights ​ 4,447 ​ — ​ — ​ 4,646 Residential mortgage loan servicing rights ​ ​ 49,579 ​ ​ — ​ ​ — ​ ​ 49,579 Derivative assets (included in other assets) ​ ​ 3,632 ​ ​ — ​ ​ 1,465 ​ ​ 2,167 Equity securities (included in other assets) ​ ​ 112 ​ ​ 112 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ ​ Deposits ​ 1,227,580 ​ — ​ — ​ 1,228,147 Borrowings from FHLB ​ 250,000 ​ — ​ 251,877 ​ — Subordinated note ​ 19,865 ​ — ​ 21,083 ​ — Accrued interest payable ​ 258 ​ — ​ 258 ​ — Advance payments by borrowers for taxes and insurance ​ 2,076 ​ — ​ 2,076 ​ — Derivative liabilities (included in other liabilities) ​ 635 ​ — ​ 35 ​ 600
Impaired loans
FAIR VALUE MEASUREMENTS
Schedule of Provisions for loan losses recognized for impaired loans	Provisions for loan losses recognized for impaired loans for the years ended September 30, 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2022 2021 2020 Provision for loan losses recognized ​ $ 2,421 ​ $ 381 ​ $ 2,424

CAPITAL REQUIREMENTS AND REST_2

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Tables)	12 Months Ended
	Sep. 30, 2022
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Schedule of actual capital amounts and ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 226,283 12.65 % $ 143,088 8.00 % ​ N/A N/A ​ Bank ​ 209,602 11.74 % 142,828 8.00 % $ 178,535 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 160,706 8.99 % $ 107,316 6.00 % N/A N/A ​ Bank ​ 194,242 10.88 % 107,121 6.00 % $ 142,828 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 160,706 8.99 % $ 80,487 4.50 % N/A N/A ​ Bank ​ 194,242 10.88 % 80,341 4.50 % $ 116,048 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 160,706 8.03 % $ 80,043 4.00 % N/A N/A ​ Bank ​ 194,242 9.64 % 80,565 4.00 % $ 100,706 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 193,476 14.28 % $ 108,401 8.00 % ​ N/A N/A ​ Bank ​ 183,885 13.60 % 108,156 8.00 % $ 135,195 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,310 11.76 % $ 81,301 6.00 % N/A N/A ​ Bank ​ 169,584 12.54 % 81,117 6.00 % $ 108,156 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,310 11.76 % $ 60,976 4.50 % N/A N/A ​ Bank ​ 169,584 12.54 % 60,838 4.50 % $ 87,877 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,310 9.73 % $ 65,480 4.00 % N/A N/A ​ Bank ​ 169,584 10.07 % 67,333 4.00 % $ 84,166 5.00 %

SUPPLEMENTAL DISCLOSURE FOR E_2

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE (Tables)	12 Months Ended
	Sep. 30, 2022
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) ​ 2022 ​ 2021 ​ 2020 Basic: ​ ​ ​ Earnings: ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 16,444 ​ $ 29,567 ​ $ 33,354 Shares: ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 7,058,550 ​ 7,107,786 ​ 7,070,040 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 2.33 ​ $ 4.16 ​ $ 4.72 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 16,444 ​ $ 29,567 ​ $ 33,354 Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 7,058,550 ​ 7,107,786 ​ 7,070,040 Add: Dilutive effect of outstanding options ​ 71,240 ​ 56,176 ​ 48,540 Add: Dilutive effect of restricted stock ​ 12,056 ​ 9,771 ​ 9,282 Weighted average common shares outstanding, as adjusted ​ 7,141,846 ​ 7,173,733 ​ 7,127,862 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 2.30 ​ $ 4.12 ​ $ 4.68

PARENT COMPANY CONDENSED FINA_2

PARENT COMPANY CONDENSED FINANCIAL INFORMATION (Tables)	12 Months Ended
	Sep. 30, 2022
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
Schedule of condensed balance sheet information	Balance Sheets ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, (In thousands) 2022 2021 Assets: ​ ​ Cash and due from banks ​ $ 16,940 ​ $ 6,870 Other assets ​ 1,164 ​ 755 Investment in subsidiaries ​ 185,374 ​ 193,926 ​ ​ $ 203,478 ​ $ 201,551 ​ ​ ​ ​ ​ ​ ​ Liabilities and Equity: ​ ​ Subordinated notes ​ $ 50,217 ​ $ 19,865 Accrued expenses ​ 638 ​ 1,309 Stockholders’ equity ​ 152,623 ​ 180,377 ​ ​ $ 203,478 ​ $ 201,551
Schedule of condensed income statement information	Statements of Income ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2022 2021 2020 Dividend income from subsidiaries ​ $ 1,300 ​ $ 5,175 ​ $ 1,000 Interest expense ​ (2,111) ​ (1,274) ​ (1,274) Other operating expenses ​ (1,475) ​ (1,076) ​ (1,002) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before income taxes and equity in undistributed net income of subsidiaries ​ (2,286) ​ 2,825 ​ (1,276) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income tax benefit ​ 795 ​ 504 ​ 598 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before equity in undistributed net income of subsidiaries ​ (1,491) ​ 3,329 ​ (678) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ 17,935 ​ 26,238 ​ 34,032 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 16,444 ​ $ 29,567 ​ $ 33,354
Schedule of condensed cash flow statement information	Statements of Cash Flows ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2022 2021 2020 Operating Activities: ​ ​ ​ Net income ​ $ 16,444 ​ $ 29,567 ​ $ 33,354 Adjustments to reconcile net income to net cash provided by (used in) operating activities: ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ (17,935) ​ (26,238) ​ (34,032) Stock compensation expense ​ 688 ​ 277 ​ 279 Net change in other assets and liabilities ​ (93) ​ 201 ​ 182 Net cash provided by (used in) operating activities ​ (896) ​ 3,807 ​ (217) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investing Activities: ​ ​ ​ Investment in bank subsidiary ​ (10,000) ​ — ​ — Net cash used in investing activities ​ (10,000) ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financing Activities: ​ ​ ​ Net proceeds from subordinated debt ​ 30,258 ​ — ​ — Exercise of stock options ​ — ​ 27 ​ 148 Tax paid on stock award shares for employees ​ (48) ​ (41) ​ (53) Purchase of treasury stock ​ ​ (4,745) ​ ​ — ​ ​ — Dividends paid ​ (4,499) ​ (1,685) ​ (1,590) Net cash provided by (used in) financing activities ​ 20,966 ​ (1,699) ​ (1,495) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net increase (decrease) in cash and due from banks ​ 10,070 ​ 2,108 ​ (1,712) Cash and due from banks at beginning of year ​ 6,870 ​ 4,762 ​ 6,474 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks at end of year ​ $ 16,940 ​ $ 6,870 ​ $ 4,762

SUPPLEMENTAL DISCLOSURE OF CA_2

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION (Tables)	12 Months Ended
	Sep. 30, 2022
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Schedule of supplemental disclosure of cash flow information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2022 ​ 2021 ​ 2020 Cash payments for: ​ ​ ​ Interest ​ $ 9,301 ​ $ 8,517 ​ $ 10,817 Income taxes (net of refunds received) ​ (3,226) ​ 9,051 ​ 3,971 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-cash activities: ​ ​ ​ ​ Net transfers from loans to loans held for sale ​ ​ — ​ ​ 41,703 ​ ​ 15,916 Net transfers from loans held for sale to loans ​ 13,139 ​ — ​ — Transfers from loans to OREO ​ — ​ 426 ​ — Proceeds from sales of OREO financed through loans ​ ​ — ​ ​ — ​ ​ — Cashless exercise of stock options ​ 39 ​ 77 ​ 249 Transfers from OREO to premises and equipment ​ ​ 721 ​ ​ — ​ ​ —

SELECTED QUARTERLY FINANCIAL _2

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)	12 Months Ended
	Sep. 30, 2022
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
Schedule of selected quarterly financial information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2022: ​ ​ ​ ​ Interest income ​ $ 15,762 ​ $ 15,801 ​ $ 18,479 ​ $ 20,956 Interest expense ​ 1,859 ​ 1,788 ​ 2,568 ​ 4,131 Net interest income ​ 13,903 ​ 14,013 ​ 15,911 ​ 16,825 Provision (credit) for loan losses ​ 526 ​ (30) ​ 532 ​ 880 Net interest income after provision (credit) for loan losses ​ 13,377 ​ 14,043 ​ 15,379 ​ 15,945 Noninterest income ​ 16,591 ​ 20,072 ​ 10,033 ​ 4,531 Noninterest expenses ​ 24,852 ​ 25,461 ​ 22,835 ​ 18,001 Income before income taxes ​ 5,116 ​ 8,654 ​ 2,577 ​ 2,475 Income tax expense (benefit) ​ 811 ​ 1,619 ​ (61) ​ 9 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 4,305 ​ $ 7,035 ​ $ 2,638 ​ $ 2,466 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.60 ​ $ 0.99 ​ $ 0.37 ​ $ 0.35 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.60 ​ $ 0.98 ​ $ 0.37 ​ $ 0.35 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2021: ​ ​ ​ ​ Interest income ​ $ 16,026 ​ $ 16,840 ​ $ 16,150 ​ $ 16,243 Interest expense ​ 2,287 ​ 2,060 ​ 1,921 ​ 1,819 Net interest income ​ 13,739 ​ 14,780 ​ 14,229 ​ 14,424 Provision (credit) for loan losses ​ 668 ​ 287 ​ (2,730) ​ 8 Net interest income after provision (credit) for loan losses ​ 13,071 ​ 14,493 ​ 16,959 ​ 14,416 Noninterest income ​ 46,183 ​ 38,973 ​ 18,785 ​ 16,495 Noninterest expenses ​ 44,402 ​ 39,284 ​ 30,619 ​ 25,104 Income before income taxes ​ 14,852 ​ 14,182 ​ 5,125 ​ 5,807 Income tax expense ​ 4,527 ​ 3,695 ​ 817 ​ 958 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ 10,325 ​ 10,487 ​ 4,308 ​ 4,849 Net income attributable to noncontrolling interest in subsidiary ​ 402 ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. ​ $ 9,923 ​ $ 10,487 ​ $ 4,308 ​ $ 4,849 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 1.40 ​ $ 1.48 ​ $ 0.61 ​ $ 0.68 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 1.39 ​ $ 1.46 ​ $ 0.60 ​ $ 0.67 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2020: ​ ​ ​ ​ Interest income ​ $ 13,661 ​ $ 13,554 ​ $ 14,719 ​ $ 15,765 Interest expense ​ 2,875 ​ 2,783 ​ 2,543 ​ 2,337 Net interest income ​ 10,786 ​ 10,771 ​ 12,176 ​ 13,428 Provision for loan losses ​ 505 ​ 1,705 ​ 2,980 ​ 2,772 Net interest income after provision for loan losses ​ 10,281 ​ 9,066 ​ 9,196 ​ 10,656 Noninterest income ​ 18,232 ​ 11,133 ​ 46,962 ​ 57,024 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 ​ $ 0.49 ​ $ (0.09) ​ $ 2.17 ​ $ 2.13 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, diluted ​ $ 0.48 ​ $ (0.09) ​ $ 2.17 ​ $ 2.12

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Sep. 30, 2022
SEGMENT REPORTING
Schedule of sum of the segment amounts and consolidated totals	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ ​ Consolidated (In thousands) Banking Lending Banking Other Totals Year Ended September 30, 2022: ​ ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 54,252 ​ $ 6,108 ​ $ 2,360 ​ $ (2,068) ​ $ 60,652 Provision for loan losses ​ 1,295 ​ 613 ​ — ​ — ​ 1,908 Net interest income (loss) after provision ​ ​ 52,957 ​ ​ 5,495 ​ ​ 2,360 ​ ​ (2,068) ​ ​ 58,744 Net gains on sales of loans, SBA ​ — ​ 3,698 ​ — ​ — ​ 3,698 Mortgage banking income (loss) ​ ​ (2) ​ ​ — ​ ​ 38,339 ​ ​ — ​ ​ 38,337 Noninterest income ​ ​ 8,292 ​ ​ 4,623 ​ ​ 38,312 ​ ​ — ​ ​ 51,227 Noninterest expense (income) ​ ​ 38,821 ​ ​ 8,721 ​ ​ 43,962 ​ ​ (355) ​ ​ 91,149 Income (loss) before taxes ​ ​ 22,428 ​ ​ 1,397 ​ ​ (3,290) ​ ​ (1,713) ​ ​ 18,822 Income tax expense (benefit) ​ 3,377 ​ 408 ​ (618) ​ (789) ​ 2,378 Segment profit (loss) ​ 19,051 ​ 989 ​ (2,672) ​ (924) ​ 16,444 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,109 ​ 30 ​ 162 ​ 147 ​ 2,448 Segment assets at September 30, 2022 ​ 1,935,896 ​ 105,342 ​ 107,570 ​ (91,146) ​ 2,057,662 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ Consolidated (In thousands) Banking Lending Banking Other Totals Year Ended September 30, 2021: ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 46,122 ​ $ 10,339 ​ $ 1,940 ​ $ (1,229) ​ $ 57,172 Provision (credit) for loan losses ​ ​ (1,782) ​ 15 ​ — ​ — ​ (1,767) Net interest income (loss) after provision ​ ​ 47,904 ​ ​ 10,324 ​ ​ 1,940 ​ ​ (1,229) ​ ​ 58,939 Net gains on sales of loans, SBA ​ — ​ 8,740 ​ — ​ — ​ 8,740 Mortgage banking income ​ ​ 4 ​ ​ — ​ ​ 104,500 ​ ​ — ​ ​ 104,504 Noninterest income ​ ​ 6,331 ​ ​ 9,661 ​ ​ 104,444 ​ ​ — ​ ​ 120,436 Noninterest expense (income) ​ ​ 35,636 ​ ​ 9,374 ​ ​ 94,768 ​ ​ (369) ​ ​ 139,409 Income (loss) before taxes ​ ​ 18,599 ​ ​ 10,611 ​ ​ 11,616 ​ ​ (860) ​ ​ 39,966 Income tax expense (benefit) ​ ​ 2,935 ​ 2,512 ​ 5,047 ​ (497) ​ 9,997 Segment profit (loss) ​ ​ 15,664 ​ 8,099 ​ 6,569 ​ (363) ​ 29,969 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 1,953 ​ 42 ​ 237 ​ 68 ​ 2,300 Segment assets at September 30, 2021 ​ 1,469,371 ​ 168,342 ​ 232,279 ​ (148,598) ​ 1,721,394 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ ​ ​ ​ Consolidated (In thousands) Banking Lending Banking Other Totals ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended September 30, 2020: ​ ​ ​ ​ ​ ​ ​ Net interest income (loss) ​ $ 39,408 ​ $ 5,911 ​ $ 3,046 ​ $ (1,204) ​ $ 47,161 Provision for loan losses ​ 4,636 ​ 3,326 ​ — ​ — ​ ​ 7,962 Net interest income (loss) after provision ​ 34,772 ​ 2,585 ​ 3,046 ​ (1,204) ​ ​ 39,199 Net gains on sales of loans, SBA ​ — ​ 5,673 ​ — ​ — ​ ​ 5,673 Mortgage banking income ​ 8 ​ — ​ 120,725 ​ — ​ ​ 120,733 Noninterest income ​ 5,905 ​ 6,751 ​ 120,695 ​ — ​ ​ 133,351 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

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Sep. 30, 2022
REVENUE FROM CONTRACTS WITH CUSTOMERS
Schedule of sources of noninterest income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended ​ ​ September 30, (In thousands) 2022 ​ 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 1,864 ​ $ 1,468 ​ $ 1,581 ATM and interchange fees ​ 2,753 ​ ​ 2,399 ​ 2,116 Investment advisory income ​ 717 ​ ​ 589 ​ 288 Other ​ 110 ​ ​ 103 ​ 101 Revenue from contracts with customers ​ 5,444 ​ ​ 4,559 ​ 4,086 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gain on sale of securities ​ 476 ​ ​ — ​ 7 Gain on sale of SBA loans ​ 3,698 ​ ​ 8,740 ​ 5,673 Gain on sale of single tenant net lease loans ​ ​ 719 ​ ​ — ​ ​ — Mortgage banking income ​ 38,337 ​ ​ 104,504 ​ 120,733 Increase in cash value of life insurance ​ 993 ​ ​ 785 ​ 732 Real estate lease income ​ 571 ​ ​ 592 ​ 589 Other ​ ​ 989 ​ ​ 1,256 ​ ​ 1,531 Other noninterest income ​ 45,783 ​ ​ 115,877 ​ 129,265 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 51,227 ​ $ 120,436 ​ $ 133,351

MORTGAGE BANKING INCOME (Tables

MORTGAGE BANKING INCOME (Tables)	12 Months Ended
	Sep. 30, 2022
MORTGAGE BANKING INCOME
Schedule of components of mortgage banking income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 2020 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ (674) ​ $ 83,874 ​ $ 105,659 Mortgage brokerage income ​ 762 ​ 1,500 ​ — Net change in fair value of loans held for sale ​ ​ ​ and interest rate lock commitments ​ (4,206) ​ (18,856) ​ 16,680 Realized and unrealized hedging gains (losses) ​ 20,398 ​ 4,140 ​ (22,412) Capitalized residential mortgage loan servicing rights ​ 11,161 ​ 36,679 ​ 24,058 Net change in fair value of residential mortgage loan servicing rights ​ 2,523 ​ (8,803) ​ (3,289) Net loan servicing income ​ 9,045 ​ 6,565 ​ 651 Provisions for loan repurchases and indemnifications ​ (672) ​ (595) ​ (614) Total mortgage banking income ​ $ 38,337 ​ $ 104,504 ​ $ 120,733 ​ (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)		12 Months Ended
	Dec. 31, 2020	Sep. 30, 2022	Sep. 30, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Cumulative Allocated Net Income	$ 3,700,000
Acquisition of minority interests in Q2		$ (509,000)	$ (2,569,000)
Net deferred tax assets		15,019,000	6,704,000
Net lease loans held for sale carried at the lower of aggregate cost or fair value		0
Allowance for loan losses		15,360,000	14,301,000
Allowance for loan losses, qualitative factor adjustments		13,400,000	13,100,000
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%
Business Capital LLC
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Net deferred tax assets	581,000
Maximum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Lookback period		48 months
Minimum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Lookback period		24 months
Small Business Administration Loans
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Loans held for sale, Small Business Administration		$ 21,900,000	24,100,000
Net lease loans held for sale carried at the lower of aggregate cost or fair value			$ 23,000,000
Small Business Administration Loans | Maximum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Guarantor Obligations, Liquidation Proceeds, Percentage		90%
Small Business Administration Loans | Minimum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Guarantor Obligations, Liquidation Proceeds, Percentage		75%
Interest-bearing Deposits [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Maturity of Time Deposits		90 days
Subsidiary
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Equity Method Investment, Ownership Percentage		51%
Subsidiary | Business Capital LLC
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Acquisition of minority interests in Q2	695,000
Additional paid in capital	$ 2,400,000

RESTRICTION ON CASH AND DUE F_2

RESTRICTION ON CASH AND DUE FROM BANKS (Additional Information) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2020
RESTRICTION ON CASH AND DUE FROM BANKS
Restricted cash and cash equivalents	$ 0	$ 10,600

INVESTMENT SECURITIES - Fair Va

INVESTMENT SECURITIES - Fair Value to Amortized Cost (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Securities available for sale:
Amortized Cost	$ 350,794	$ 195,417
Gross Unrealized Gain	191	11,717
Gross Unrealized Losses	34,468	453
Fair Value	316,517	206,681
Securities held to maturity:
Amortized Cost	1,558	1,837
Gross Unrealized Gain	35	217
Gross Unrealized Losses		0
Fair Value	1,593	2,054
U.S. Treasury bills
Securities available for sale:
Amortized Cost	30,809	250
Gross Unrealized Gain		0
Gross Unrealized Losses	3,514	0
Fair Value	27,295	250
Agency Mortgage-Backed
Securities available for sale:
Amortized Cost	30,786	8,143
Gross Unrealized Gain	3	293
Gross Unrealized Losses	3,289	52
Fair Value	27,500	8,384
Securities held to maturity:
Amortized Cost	45	64
Gross Unrealized Gain		5
Gross Unrealized Losses		0
Fair Value	45	69
Agency CMO.
Securities available for sale:
Amortized Cost	15,562	13,315
Gross Unrealized Gain		235
Gross Unrealized Losses	741	20
Fair Value	14,821	13,530
Privately-issued CMO
Securities available for sale:
Amortized Cost	495	729
Gross Unrealized Gain	4	81
Gross Unrealized Losses	29	7
Fair Value	470	803
Privately-issued ABS
Securities available for sale:
Amortized Cost	561	721
Gross Unrealized Gain	16	51
Gross Unrealized Losses	8	0
Fair Value	569	772
SBA certificates
Securities available for sale:
Amortized Cost	12,255	2,157
Gross Unrealized Gain	1	2
Gross Unrealized Losses	244	21
Fair Value	12,012	2,138
Municipal bonds
Securities available for sale:
Amortized Cost	260,326	170,102
Gross Unrealized Gain	167	11,055
Gross Unrealized Losses	26,643	353
Fair Value	233,850	180,804
Securities held to maturity:
Amortized Cost	1,513	1,773
Gross Unrealized Gain	35	212
Gross Unrealized Losses		0
Fair Value	$ 1,548	$ 1,985

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Fair Value by Contractual Maturity - Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Available for Sale - Amortized Cost
Amortized Cost	$ 350,794	$ 195,417
Available for Sale - Fair Value
Fair Value	316,517	206,681
Municipal bonds
Available for Sale - Amortized Cost
Due within one year	9,696
Due after one year through five years	25,348
Due after five years through ten years	67,149
Due after ten years	188,942
Amortized Cost	260,326	170,102
Available for Sale - Fair Value
Due within one year	9,991
Due after one year through five years	25,086
Due after five years through ten years	62,891
Due after ten years	163,177
Fair Value	233,850	180,804
CMO
Available for Sale - Amortized Cost
Without single maturity date	16,057
Available for Sale - Fair Value
Without single maturity date	15,291
ABS
Available for Sale - Amortized Cost
Without single maturity date	561
Available for Sale - Fair Value
Without single maturity date	569
SBA certificates
Available for Sale - Amortized Cost
Without single maturity date	12,255
Amortized Cost	12,255	2,157
Available for Sale - Fair Value
Without single maturity date	12,012
Fair Value	12,012	$ 2,138
Mortgage-backed securities
Available for Sale - Amortized Cost
Without single maturity date	30,786
Available for Sale - Fair Value
Without single maturity date	$ 27,500

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Fair Value by Contractual Maturity - Held to Maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Held to Maturity - Amortized Cost
Amortized Cost	$ 1,558
Held to Maturity - Fair Value
Fair Value	1,593	$ 2,054
Municipal bonds
Held to Maturity - Amortized Cost
Due within one year	249
Due after one year through five years	790
Due after five years through ten years	474
Due after ten years	0
Held to Maturity - Fair Value
Due within one year	254
Due after one year through five years	808
Due after five years through ten years	486
Due after ten years	0
Fair Value	1,548	$ 1,985
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	45
Held to Maturity - Fair Value
Without single maturity date	$ 45

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investment Securities With Gross Unrealized Losses (Details) $ in Thousands	Sep. 30, 2022 USD ($) item	Sep. 30, 2021 USD ($) item	Sep. 30, 2019 item
Fair Value
Continuous loss position less than twelve months	$ 265,379	$ 20,439
Continuous loss position more than twelve months	11,135	2,013
Total securities available for sale	$ 276,514	$ 22,452
Number of Investment Positions
Continuous loss position less than twelve months | item	295	22
Continuous loss position more than twelve months | item	14	3
Total securities available for sale | item	309	25
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 31,981	$ 346
Continuous loss position more than twelve months	2,487	107
Total securities available for sale	34,468	453
U.S. Treasury bills
Fair Value
Continuous loss position less than twelve months	$ 27,295
Number of Investment Positions
Continuous loss position less than twelve months | item	7
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 3,514
Agency Mortgage-Backed
Fair Value
Continuous loss position less than twelve months	24,987
Continuous loss position more than twelve months	$ 2,169
Number of Investment Positions
Continuous loss position less than twelve months | item	14
Continuous loss position more than twelve months | item	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 2,749
Continuous loss position more than twelve months	540
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months		$ 3,056
Number of Investment Positions
Continuous loss position less than twelve months | item		1
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 52
Agency CMO.
Fair Value
Continuous loss position less than twelve months	8,896
Continuous loss position more than twelve months	$ 1,199
Number of Investment Positions
Continuous loss position less than twelve months | item	12
Continuous loss position more than twelve months | item	2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 551
Continuous loss position more than twelve months	190
Privately-issued CMO
Fair Value
Continuous loss position less than twelve months	424
Continuous loss position more than twelve months	$ 19	$ 23
Number of Investment Positions
Continuous loss position less than twelve months | item	2
Continuous loss position more than twelve months | item	1	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 20
Continuous loss position more than twelve months	9	$ 7
Privately-issued ABS
Fair Value
Continuous loss position more than twelve months	$ 283
Number of Investment Positions
Continuous loss position more than twelve months | item	1
Gross Unrealized Losses
Continuous loss position more than twelve months	$ 8
Agency CMO
Fair Value
Continuous loss position less than twelve months		$ 1,466
Number of Investment Positions
Continuous loss position less than twelve months | item		2
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 20
SBA certificates
Fair Value
Continuous loss position less than twelve months	10,775	2,013
Continuous loss position more than twelve months	$ 1,202	$ 88
Number of Investment Positions
Continuous loss position less than twelve months | item	1	1
Continuous loss position more than twelve months | item		1	2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 225	$ 20
Continuous loss position more than twelve months	19	1
Municipal bonds
Fair Value
Continuous loss position less than twelve months	193,002	13,904
Continuous loss position more than twelve months	$ 6,263	$ 1,902
Number of Investment Positions
Continuous loss position less than twelve months | item	259	18
Continuous loss position more than twelve months | item	7	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 24,922	$ 254
Continuous loss position more than twelve months	$ 1,721	$ 99

INVESTMENT SECURITIES - Additio

INVESTMENT SECURITIES - Additional Information (Details)	12 Months Ended
	Sep. 30, 2022 USD ($) item	Sep. 30, 2020 USD ($)	Sep. 30, 2021 item
Debt and Equity Securities, FV-NI [Line Items]
Available for sale debt securities in loss position, depreciation percentage	3.41%
Continuous loss position more than twelve months | item	14		3
Gross realized gains on sales	$ 488,000	$ 17,000
Gross realized losses on sales	$ (12,000)	$ (10,000)
Weighted Average Yield Of Available For Sale Securities In Loss Positions	3.13%
Debt Securities
Debt and Equity Securities, FV-NI [Line Items]
Available for sale debt securities in loss position, depreciation percentage	11.08%
Debt Securities | Downgraded Due To Potential Credit Losses
Debt and Equity Securities, FV-NI [Line Items]
Carrying value of downgraded due to potential credit losses	$ 395,000
Debt Securities | Downgraded Privately Issued Cmos
Debt and Equity Securities, FV-NI [Line Items]
Fair market value of downgraded privately issued collateralized mortgage obligations	$ 382,000
Two Privately Issued Collateralized Mortgage Obligations
Debt and Equity Securities, FV-NI [Line Items]
Available for sale debt securities in loss position, depreciation percentage	4.85%
Privately-issued CMO
Debt and Equity Securities, FV-NI [Line Items]
Continuous loss position more than twelve months | item	1		1
Investments, Fair value disclosure	$ 726,000
Privately-issued ABS
Debt and Equity Securities, FV-NI [Line Items]
Continuous loss position more than twelve months | item	1
Total unrealized loss	$ 37,000
Agency Mortgage-Backed
Debt and Equity Securities, FV-NI [Line Items]
Continuous loss position more than twelve months | item	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, 2022	Sep. 30, 2020
Gross Realized Gain and Losses
Gross realized gains on sales	$ 488	$ 17
Gross realized losses on sales	(12)	(10)
Net realized gain on sales of available for sale securities and time deposits	$ 476	$ 7

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loans (Details) - USD ($)	Sep. 30, 2022	Sep. 30, 2021
Loans and Allowance for Loan Losses
Total loans	$ 1,450,863,000	$ 1,089,956,000
Deferred loan origination fees and costs, net	1,052,000	281,000
Allowance for loan losses	(15,360,000)	(14,301,000)
Loans, net	1,436,555,000	1,075,936,000
Other Financial Institutions
Loans and Allowance for Loan Losses
Loans, net	261,000	216,000
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(304,000)	(208,000)
Single tenant net lease
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	47,000	(123,000)
Multifamily
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(40,000)	(47,000)
Residential Construction
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(89,000)	(49,000)
Commercial Construction
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(25,000)	(28,000)
Land and Land Development
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	26,000	(6,000)
SBA commercial business
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	218,000	(420,000)
Consumer
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	21,000	(17,000)
Commercial Business
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	48,000	49,000
Pay Check Protection Program
Loans and Allowance for Loan Losses
Total loans	650,000	56,700,000
Deferred loan origination fees and costs, net	11,000	757,000
Real estate mortgage | One To Four Family
Loans and Allowance for Loan Losses
Total loans	368,211,000	241,425,000
Real estate mortgage | Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Total loans	169,861,000	149,600,000
Real estate mortgage | Single tenant net lease
Loans and Allowance for Loan Losses
Total loans	636,578,000	403,692,000
Real estate mortgage | SBA
Loans and Allowance for Loan Losses
Total loans	59,379,000	62,805,000
Real estate mortgage | Multifamily
Loans and Allowance for Loan Losses
Total loans	32,411,000	40,324,000
Real estate mortgage | Residential Construction
Loans and Allowance for Loan Losses
Total loans	18,261,000	8,330,000
Real estate mortgage | Commercial Construction
Loans and Allowance for Loan Losses
Total loans	5,938,000	2,717,000
Real estate mortgage | Land and Land Development
Loans and Allowance for Loan Losses
Total loans	11,880,000	10,217,000
Real estate mortgage | Commercial business
Loans and Allowance for Loan Losses
Total loans	90,010,000	59,883,000
Real estate mortgage | SBA commercial business
Loans and Allowance for Loan Losses
Total loans	20,282,000	80,400,000
Real estate mortgage | Consumer
Loans and Allowance for Loan Losses
Total loans	$ 38,052,000	$ 30,563,000

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, 2022	Sep. 30, 2021
LOANS AND ALLOWANCE FOR LOAN LOSSES
Beginning balance	$ 5,975	$ 7,716
New loans and advances	5,022	4,832
Repayments	(2,531)	(2,601)
Loans sold	(191)	(2,992)
Reclassifications due to officer and director changes	(619)	(980)
Ending balance	7,656	5,975
Off Balance Sheet Commitments to Related Parties	$ 2,800	$ 3,000

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Components of Recorded Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Recorded Investment in Loans:
Principal loan balance	$ 1,450,863	$ 1,089,956
Accrued interest receivable	5,379	4,398
Net deferred loan origination fees and costs	1,052	281
Recorded investment in loans	1,457,294	1,094,635
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	13,570	16,743
Collectively evaluated for impairment	1,443,724	1,077,892
Recorded investment in loans	1,457,294	1,094,635
Residential real estate
Recorded Investment in Loans:
Principal loan balance	368,211	241,425
Accrued interest receivable	1,701	821
Net deferred loan origination fees and costs	136	24
Recorded investment in loans	370,048	242,270
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	2,248	3,067
Collectively evaluated for impairment	367,800	239,203
Recorded investment in loans	370,048	242,270
Commercial Real Estate [Member]
Recorded Investment in Loans:
Principal loan balance	169,861	149,600
Accrued interest receivable	533	563
Net deferred loan origination fees and costs	(304)	(208)
Recorded investment in loans	170,090	149,955
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	907	1,021
Collectively evaluated for impairment	169,183	148,934
Recorded investment in loans	170,090	149,955
Single tenant net lease
Recorded Investment in Loans:
Principal loan balance	636,578	403,692
Accrued interest receivable	1,979	1,369
Net deferred loan origination fees and costs	47	(123)
Recorded investment in loans	638,604	404,938
Recorded Investment in Loans as Evaluated for Impairment:
Collectively evaluated for impairment	638,604	404,938
Recorded investment in loans	638,604	404,938
SBA commercial real estate
Recorded Investment in Loans:
Principal loan balance	59,379	62,805
Accrued interest receivable	486	475
Net deferred loan origination fees and costs	1,108	1,106
Recorded investment in loans	60,973	64,386
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	7,725	9,153
Collectively evaluated for impairment	53,248	55,233
Recorded investment in loans	60,973	64,386
Multifamily
Recorded Investment in Loans:
Principal loan balance	32,411	40,324
Accrued interest receivable	62	76
Net deferred loan origination fees and costs	(40)	(47)
Recorded investment in loans	32,433	40,353
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	354	482
Collectively evaluated for impairment	32,079	39,871
Recorded investment in loans	32,433	40,353
Residential Construction
Recorded Investment in Loans:
Principal loan balance	18,261	8,330
Accrued interest receivable	27	14
Net deferred loan origination fees and costs	(89)	(49)
Recorded investment in loans	18,199	8,295
Recorded Investment in Loans as Evaluated for Impairment:
Collectively evaluated for impairment	18,199	8,295
Recorded investment in loans	18,199	8,295
Commercial Construction
Recorded Investment in Loans:
Principal loan balance	5,938	2,717
Accrued interest receivable	11	6
Net deferred loan origination fees and costs	(25)	(28)
Recorded investment in loans	5,924	2,695
Recorded Investment in Loans as Evaluated for Impairment:
Collectively evaluated for impairment	5,924	2,695
Recorded investment in loans	5,924	2,695
Land and Land Development
Recorded Investment in Loans:
Principal loan balance	11,880	10,217
Accrued interest receivable	18	18
Net deferred loan origination fees and costs	26	(6)
Recorded investment in loans	11,872	10,229
Recorded Investment in Loans as Evaluated for Impairment:
Collectively evaluated for impairment	11,872	10,229
Recorded investment in loans	11,872	10,229
Commercial Business
Recorded Investment in Loans:
Principal loan balance	90,010	59,883
Accrued interest receivable	278	171
Net deferred loan origination fees and costs	48	49
Recorded investment in loans	90,336	60,103
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,007	1,476
Collectively evaluated for impairment	89,329	58,627
Recorded investment in loans	90,336	60,103
SBA commercial business
Recorded Investment in Loans:
Principal loan balance	20,282	80,400
Accrued interest receivable	163	791
Net deferred loan origination fees and costs	218	(420)
Recorded investment in loans	20,663	80,771
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,091	1,296
Collectively evaluated for impairment	16,572	79,475
Recorded investment in loans	20,663	80,771
Consumer
Recorded Investment in Loans:
Principal loan balance	38,052	30,563
Accrued interest receivable	121	94
Net deferred loan origination fees and costs	21	(17)
Recorded investment in loans	38,152	30,640
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	238	248
Collectively evaluated for impairment	37,914	30,392
Recorded investment in loans	$ 38,152	$ 30,640

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, 2022	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2018
Changes in Allowance for Loan Losses:
Beginning balance	$ 14,301	$ 17,026
Provisions	1,908	(1,767)	$ 7,962
Charge-offs	(1,097)	(1,124)	(1,170)
Recoveries	248	166	194
Ending balance	15,360	14,301	17,026
Off-balance-sheet commitments	2,800	3,000
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	964	133
Collectively evaluated for impairment	14,396	14,168
Ending balance	15,360	14,301	17,026	$ 10,040
Residential real estate
Changes in Allowance for Loan Losses:
Beginning balance	1,438	1,255
Provisions	1,287	170	945
Charge-offs	(23)	(11)	(36)
Recoveries	14	24	29
Ending balance	2,716	1,438	1,255
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	2,716	1,438
Ending balance	2,716	1,438	1,255	317
Commercial Real Estate [Member]
Changes in Allowance for Loan Losses:
Beginning balance	2,806	3,058
Provisions	(1,216)	(252)	614
Charge-offs	0	0	(102)
Recoveries	0	0	6
Ending balance	1,590	2,806	3,058
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	1,590	2,806
Ending balance	1,590	2,806	3,058	2,540
Single tenant net lease
Changes in Allowance for Loan Losses:
Beginning balance	2,422	3,017
Provisions	1,416	(595)	1,342
Charge-offs	0	0
Recoveries	0	0
Ending balance	3,838	2,422	3,017
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	3,838	2,422
Ending balance	3,838	2,422	3,017	1,675
SBA commercial real estate
Changes in Allowance for Loan Losses:
Beginning balance	3,475	4,154
Provisions	(802)	234	2,175
Charge-offs	(110)	(936)	(360)
Recoveries	15	23	46
Ending balance	2,578	3,475	4,154
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	290	144
Collectively evaluated for impairment	2,288	3,361
Ending balance	2,578	3,475	4,154	2,293
Multifamily
Changes in Allowance for Loan Losses:
Beginning balance	518	772
Provisions	(267)	(254)	294
Charge-offs	0	0
Recoveries	0	0
Ending balance	251	518	772
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	251	518
Ending balance	251	518	772	478
Residential Construction
Changes in Allowance for Loan Losses:
Beginning balance	191	243
Provisions	114	(52)	(5)
Charge-offs	0	0
Recoveries	0	0
Ending balance	305	191	243
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	305	191
Ending balance	305	191	243	248
Commercial Construction
Changes in Allowance for Loan Losses:
Beginning balance	63	181
Provisions	44	(118)	114
Charge-offs	0	0
Recoveries	0	0
Ending balance	107	63	181
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	107	63
Ending balance	107	63	181	67
Land and Land Development
Changes in Allowance for Loan Losses:
Beginning balance	235	243
Provisions	(23)	(8)	28
Charge-offs	0	0
Recoveries	0	0	6
Ending balance	212	235	243
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	212	235
Ending balance	212	235	243	209
Commercial Business
Changes in Allowance for Loan Losses:
Beginning balance	1,284	1,449
Provisions	(119)	(170)	567
Charge-offs	(91)	0	(38)
Recoveries	119	5	31
Ending balance	1,193	1,284	1,449
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	1,193	1,284
Ending balance	1,193	1,284	1,449	889
SBA commercial business
Changes in Allowance for Loan Losses:
Beginning balance	1,346	1,539
Provisions	1,413	(211)	1,109
Charge-offs	(698)	(21)	(396)
Recoveries	61	39	76
Ending balance	2,122	1,346	1,539
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	674	18
Collectively evaluated for impairment	1,448	1,328
Ending balance	2,122	1,346	1,539	750
Consumer
Changes in Allowance for Loan Losses:
Beginning balance	523	1,115
Provisions	61	(511)	779
Charge-offs	(175)	(156)	(238)
Recoveries	39	75
Ending balance	448	523	1,115
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment		1
Collectively evaluated for impairment	448	522
Ending balance	$ 448	$ 523	$ 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, 2022	Sep. 30, 2021	Sep. 30, 2020
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	$ 10,167	$ 15,546	$ 10,317
Loans with no related allowance recorded, Unpaid Principal Balance	11,658	17,245	10,915
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	13,487	13,482	11,400
Loans with no related allowance recorded, Interest Income Recognized	92	102	298
Loans with an allowance recorded, Recorded Investment	3,403	1,197	6,367
Loans with an allowance recorded, Unpaid Principal Balance	4,413	1,624	6,798
Loans with an allowance recorded, Related Allowance	964	133	1,443
Loans with an allowance recorded, Average Recorded Investment	3,367	3,915	5,752
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	13,570	16,743	16,684
Total, Unpaid Principal Balance	16,071	18,869	17,713
Total, Related Allowance	964	133	1,443
Total, Average Recorded Investment	16,854	17,397	17,152
Total, Interest Income Recognized	92	102	298
Residential real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	2,248	3,002	5,185
Loans with no related allowance recorded, Unpaid Principal Balance	2,524	3,551	5,697
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	2,978	4,383	5,411
Loans with no related allowance recorded, Interest Income Recognized	45	68	127
Loans with an allowance recorded, Recorded Investment	0	65	174
Loans with an allowance recorded, Unpaid Principal Balance	0	65	175
Loans with an allowance recorded, Related Allowance	0	0	30
Loans with an allowance recorded, Average Recorded Investment	206	108	59
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	2,248	3,067	5,359
Total, Unpaid Principal Balance	2,524	3,616	5,872
Total, Related Allowance	0	0	30
Total, Average Recorded Investment	3,184	4,491	5,470
Total, Interest Income Recognized	45	68	127
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	907	1,021	1,134
Loans with no related allowance recorded, Unpaid Principal Balance	982	1,092	1,185
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	1,038	1,148	3,914
Loans with no related allowance recorded, Interest Income Recognized	21	29	167
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0	20
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	907	1,021	1,134
Total, Unpaid Principal Balance	982	1,092	1,185
Total, Related Allowance	0	0
Total, Average Recorded Investment	1,038	1,148	3,934
Total, Interest Income Recognized	21	29	167
Single tenant net lease
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance		0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
SBA commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	5,337	8,184	1,245
Loans with no related allowance recorded, Unpaid Principal Balance	5,952	8,873	1,178
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	7,235	4,738	586
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	2,388	969	5,682
Loans with an allowance recorded, Unpaid Principal Balance	2,919	1,394	6,086
Loans with an allowance recorded, Related Allowance	290	114	1,366
Loans with an allowance recorded, Average Recorded Investment	2,213	3,389	5,048
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	7,725	9,153	6,927
Total, Unpaid Principal Balance	8,871	10,267	7,264
Total, Related Allowance	290	114	1,366
Total, Average Recorded Investment	9,448	8,127	5,634
Total, Interest Income Recognized	0	0
Multifamily
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	354	482	698
Loans with no related allowance recorded, Unpaid Principal Balance	398	539	700
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	415	638	421
Loans with no related allowance recorded, Interest Income Recognized	6	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	354	482	698
Total, Unpaid Principal Balance	398	539	700
Total, Related Allowance	0	0
Total, Average Recorded Investment	415	638	421
Total, Interest Income Recognized	6	0
Residential Construction
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance	0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
Commercial Construction
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance	0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
Land and Land Development
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	0	0	2
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	1
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	0	1	1
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0	2
Total, Unpaid Principal Balance	0	0	1
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	1	1
Total, Interest Income Recognized	0	0
Commercial Business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	1,007	1,476	1,670
Loans with no related allowance recorded, Unpaid Principal Balance	1,189	1,559	1,675
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	1,318	1,664	745
Loans with no related allowance recorded, Interest Income Recognized	19	3	1
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	1	328
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	1,007	1,476	1,670
Total, Unpaid Principal Balance	1,189	1,559	1,675
Total, Related Allowance	0	0
Total, Average Recorded Investment	1,318	1,665	1,073
Total, Interest Income Recognized	19	3	1
SBA commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	221	1,278	322
Loans with no related allowance recorded, Unpaid Principal Balance	532	1,534	416
Loans with no related allowance recorded, Average Recorded Investment	412	820	250
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	870	18	373
Loans with an allowance recorded, Unpaid Principal Balance	1,349	21	399
Loans with an allowance recorded, Related Allowance	674	18	47
Loans with an allowance recorded, Average Recorded Investment	802	248	143
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	1,091	1,296	695
Total, Unpaid Principal Balance	1,881	1,555	815
Total, Related Allowance	674	18	47
Total, Average Recorded Investment	1,214	1,068	393
Total, Interest Income Recognized	0	0
Consumer
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	93	103	61
Loans with no related allowance recorded, Unpaid Principal Balance	81	97	63
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	91	90	72
Loans with no related allowance recorded, Interest Income Recognized	1	2	3
Loans with an allowance recorded, Recorded Investment	145	145	138
Loans with an allowance recorded, Unpaid Principal Balance	145	144	138
Loans with an allowance recorded, Related Allowance	0	1
Loans with an allowance recorded, Average Recorded Investment	146	169	154
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	238	248	199
Total, Unpaid Principal Balance	226	241	201
Total, Related Allowance	0	1
Total, Average Recorded Investment	237	259	226
Total, Interest Income Recognized	1	2	$ 3
Construction
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, 2022	Sep. 30, 2021
Loans and Allowance for Loan Losses
Nonaccrual Loans	$ 10,856	$ 15,000
Loans 90+ Days Past Due Still Accruing	0	472
Total Nonperforming Loans	10,856	15,472
Residential real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,213	1,894
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	1,213	1,894
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Nonaccrual Loans	516	599
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	516	599
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	7,725	9,153
Loans 90+ Days Past Due Still Accruing	0	472
Total Nonperforming Loans	7,725	9,625
Multifamily
Loans and Allowance for Loan Losses
Nonaccrual Loans	0	482
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	482
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	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Commercial Business
Loans and Allowance for Loan Losses
Nonaccrual Loans	73	1,370
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	73	1,370
SBA commercial business
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,091	1,296
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	1,091	1,296
Consumer
Loans and Allowance for Loan Losses
Nonaccrual Loans	238	206
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	$ 238	$ 206

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, 2022	Sep. 30, 2021
Loans and Allowance for Loan Losses
Recorded investment in loans	$ 1,457,294	$ 1,094,635
Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,495	869
Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	53	684
Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,451,288	1,086,225
Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	6,006	8,410
Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	4,458	6,857
Residential real estate
Loans and Allowance for Loan Losses
Recorded investment in loans	370,048	242,270
Residential real estate | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,169	818
Residential real estate | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	53	352
Residential real estate | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	368,622	240,753
Residential real estate | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	1,426	1,517
Residential real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	204	347
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	170,090	149,955
Commercial Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Real Estate [Member] | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Real Estate [Member] | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	169,574	149,356
Commercial Real Estate [Member] | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	516	599
Commercial Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	516	599
Single tenant net lease
Loans and Allowance for Loan Losses
Recorded investment in loans	638,604	404,938
Single tenant net lease | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Single tenant net lease | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Single tenant net lease | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	638,604	404,938
Single tenant net lease | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	0	0
Single tenant net lease | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
SBA commercial real estate
Loans and Allowance for Loan Losses
Recorded investment in loans	60,973	64,386
SBA commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
SBA commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	208
SBA commercial real estate | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	57,603	59,188
SBA commercial real estate | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	3,370	5,198
SBA commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3,370	4,990
Multifamily
Loans and Allowance for Loan Losses
Recorded investment in loans	32,433	40,353
Multifamily | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Multifamily | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Multifamily | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	32,433	40,353
Multifamily | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	0	0
Multifamily | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Residential Construction
Loans and Allowance for Loan Losses
Recorded investment in loans	18,199	8,295
Residential Construction | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Residential Construction | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Residential Construction | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	18,199	8,295
Residential Construction | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	0	0
Residential Construction | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Construction
Loans and Allowance for Loan Losses
Recorded investment in loans	5,924	2,695
Commercial Construction | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Construction | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Construction | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	5,924	2,695
Commercial Construction | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	0	0
Commercial Construction | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Land and Land Development
Loans and Allowance for Loan Losses
Recorded investment in loans	11,872	10,229
Land and Land Development | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Land and Land Development | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Land and Land Development | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	11,872	10,229
Land and Land Development | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	0	0
Land and Land Development | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Business
Loans and Allowance for Loan Losses
Recorded investment in loans	90,336	60,103
Commercial Business | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Business | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Business | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	90,263	60,100
Commercial Business | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	73	3
Commercial Business | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	73	3
SBA commercial business
Loans and Allowance for Loan Losses
Recorded investment in loans	20,663	80,771
SBA commercial business | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	231	18
SBA commercial business | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	104
SBA commercial business | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	20,195	79,801
SBA commercial business | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	468	970
SBA commercial business | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	237	848
Consumer
Loans and Allowance for Loan Losses
Recorded investment in loans	38,152	30,640
Consumer | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	95	33
Consumer | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	20
Consumer | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	37,999	30,517
Consumer | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Recorded investment in loans	153	123
Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	$ 58	$ 70

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, 2022	Sep. 30, 2021
Loans and Allowance for Loan Losses
Recorded investment in loans	$ 1,457,294	$ 1,094,635
Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	1,441,468	1,053,774
Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	1,677	16,316
Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	12,273	21,102
Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	1,876	3,443
Loss
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential real estate
Loans and Allowance for Loan Losses
Recorded investment in loans	370,048	242,270
Residential real estate | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	368,377	240,078
Residential real estate | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential real estate | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	1,501	2,018
Residential real estate | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	170	174
Residential real estate | Loss
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	170,090	149,955
Commercial Real Estate [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	169,363	143,031
Commercial Real Estate [Member] | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	0	4,059
Commercial Real Estate [Member] | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	727	2,865
Commercial Real Estate [Member] | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Real Estate [Member] | Loss
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	638,604	404,938
Single tenant net lease | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	638,604	404,938
Single tenant net lease | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Single tenant net lease | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Single tenant net lease | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Single tenant net lease | Loss
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	60,973	64,386
SBA commercial real estate | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	51,053	45,465
SBA commercial real estate | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	1,143	5,343
SBA commercial real estate | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	7,112	10,339
SBA commercial real estate | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	1,665	3,239
SBA commercial real estate | Loss
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Multifamily
Loans and Allowance for Loan Losses
Recorded investment in loans	32,433	40,353
Multifamily | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	32,433	39,871
Multifamily | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Multifamily | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	0	482
Multifamily | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Multifamily | Loss
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential Construction
Loans and Allowance for Loan Losses
Recorded investment in loans	18,199	8,295
Residential Construction | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	18,199	8,295
Residential Construction | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential Construction | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential Construction | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Residential Construction | Loss
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Construction
Loans and Allowance for Loan Losses
Recorded investment in loans	5,924	2,695
Commercial Construction | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	5,924	2,695
Commercial Construction | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Construction | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Construction | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Construction | Loss
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	11,872	10,229
Land and Land Development | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	11,872	10,229
Land and Land Development | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Land and Land Development | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Land and Land Development | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Land and Land Development | Loss
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Business
Loans and Allowance for Loan Losses
Recorded investment in loans	90,336	60,103
Commercial Business | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	90,001	58,583
Commercial Business | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	250
Commercial Business | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	85	1,520
Commercial Business | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Commercial Business | Loss
Loans and Allowance for Loan Losses
Recorded investment in loans	0
SBA commercial business
Loans and Allowance for Loan Losses
Recorded investment in loans	20,663	80,771
SBA commercial business | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	17,583	70,019
SBA commercial business | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	284	6,914
SBA commercial business | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	2,755	3,808
SBA commercial business | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	41	30
SBA commercial business | Loss
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Consumer
Loans and Allowance for Loan Losses
Recorded investment in loans	38,152	30,640
Consumer | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	38,059	30,570
Consumer | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Consumer | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	93	$ 70
Consumer | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	0
Consumer | Loss
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, 2022	Sep. 30, 2021
Financing Receivable, Modifications [Line Items]
Accruing	$ 2,714	$ 1,743
Nonaccrual	2,330	5,554
Total	5,044	7,297
Residential real estate
Financing Receivable, Modifications [Line Items]
Accruing	1,035	1,173
Nonaccrual	0	0
Total	1,035	1,173
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Accruing	391	422
Nonaccrual	430	465
Total	821	887
SBA commercial real estate
Financing Receivable, Modifications [Line Items]
Nonaccrual	1,627	3,240
Total	1,627	3,240
Multifamily
Financing Receivable, Modifications [Line Items]
Accruing	354
Nonaccrual	0	482
Total	354	482
Commercial Business
Financing Receivable, Modifications [Line Items]
Accruing	934	106
Nonaccrual	0	1,367
Total	934	1,473
Consumer
Financing Receivable, Modifications [Line Items]
Accruing		42
Nonaccrual	273	0
Total	$ 273	$ 42

LOANS AND ALLOWANCE FOR LOAN_12

LOANS AND ALLOWANCE FOR LOAN LOSSES - Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2022 USD ($) item	Sep. 30, 2021 USD ($) item	Sep. 30, 2020 USD ($) item
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	1	1	13
Pre-Modification Principal Balance	$ 397	$ 126	$ 7,368
Post-Modification Principal Balance	$ 397	$ 126	$ 7,369
Residential real estate
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item			1
Pre-Modification Principal Balance			$ 1,099
Post-Modification Principal Balance			$ 1,100
Commercial Real Estate [Member]
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		1
Pre-Modification Principal Balance		$ 126
Post-Modification Principal Balance		$ 126
SBA commercial business
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item	1
Pre-Modification Principal Balance	$ 397
Post-Modification Principal Balance	$ 397
Commercial business
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Number of Loans | item			9
Pre-Modification Principal Balance			$ 1,737
Post-Modification Principal Balance			$ 1,737

LOANS AND ALLOWANCE FOR LOAN_13

LOANS AND ALLOWANCE FOR LOAN LOSSES - Changes in Carrying value accounted for fair value of the loans (Details) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Balance, beginning of period	$ 4,447,000
Balance, end of period	3,790,000	$ 4,447,000
Small Business Administration Loans
Balance, beginning of period	4,447,000	3,748,000	$ 3,030,000
Servicing rights capitalized	846,000	1,980,000	1,450,000
Amortization	(1,287,000)	(1,215,000)	(848,000)
Direct write-offs	(43,000)	(92,000)
Change in valuation allowance	(173,000)	26,000	116,000
Balance, end of period	3,790,000	4,447,000	3,748,000
Mortgage Servicing Rights.
Balance, beginning of period	49,579,000	21,703,000	934,000
Servicing rights capitalized	11,161,000	36,679,000	24,058,000
Loan repayments	(7,539,000)	(9,555,000)	(1,542,000)
Changes in valuation model inputs or assumptions	10,062,000	752,000	(1,747,000)
Balance, end of period	63,263,000	49,579,000	$ 21,703,000
Nonresidential MSR
Balance, beginning of period	0
Servicing rights capitalized	160,000
Amortization	(19,000)
Direct write-offs	0
Change in valuation allowance	0
Balance, end of period	$ 141,000	$ 0

LOANS AND ALLOWANCE FOR LOAN_14

LOANS AND ALLOWANCE FOR LOAN LOSSES - Key assumptions used to estimate the fair value of the loans (Details)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Maximum
Discount rate	25%	22.34%
Prepayment rate	29.26%	24.51%
Maximum | Mortgage Servicing Rights.
Discount rate	14.50%	10%
Prepayment rate	74.89%	43.27%
Minimum
Discount rate	6.90%	4.57%
Prepayment rate	7.08%	8.30%
Minimum | Mortgage Servicing Rights.
Discount rate	9.50%	8.50%
Prepayment rate	6.01%	6.04%
Weighted Average
Discount rate	12.71%	9.97%
Prepayment rate	15.27%	15.98%
Weighted Average | Mortgage Servicing Rights.
Discount rate	9.51%	8.51%
Prepayment rate	6.63%	10%

LOANS AND ALLOWANCE FOR LOAN_15

LOANS AND ALLOWANCE FOR LOAN LOSSES - SBA Loan Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
LOANS AND ALLOWANCE FOR LOAN LOSSES
Balance, beginning of period	$ 6	$ 32	$ 148
Additions (reductions) charged to earnings	216	66	(116)
Write-downs charged against allowance	(43)	(92)	0
Balance, end of period	$ 179	$ 6	$ 32

LOANS AND ALLOWANCE FOR LOAN_16

LOANS AND ALLOWANCE FOR LOAN LOSSES - Additional Information (Details)	3 Months Ended												12 Months Ended
	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Sep. 30, 2020 USD ($)	Jun. 30, 2020 USD ($)	Mar. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)	Sep. 30, 2022 USD ($) item	Sep. 30, 2021 USD ($) item	Sep. 30, 2020 USD ($) item
Loans and Allowance for Loan Losses
Number of Loans | item													1	1	13
Loans and leases receivable impaired commitment to lend	$ 1,000								$ 1,000				$ 1,000		$ 1,000
Financing receivable allowance for credit losses, Write-downs													1,097,000	$ 1,124,000	1,170,000
Provision (credit) for loan losses	880,000	$ 532,000	$ (30,000)	$ 526,000	$ 8,000	$ (2,730,000)	$ 287,000	$ 668,000	2,772,000	$ 2,980,000	$ 1,705,000	$ 505,000	1,908,000	(1,767,000)	7,962,000
Impaired financing receivable, Unpaid principal balance	16,071,000				18,869,000				17,713,000				16,071,000	18,869,000	17,713,000
Net servicing income													2,425,000	2,171,000	$ 1,806,000
Escrow balances maintained with foregoing loan servicing and other liabilities					40,500,000									40,500,000
Other Real Estate	0												0
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Number of Loans | item															1
Financing receivable allowance for credit losses, Write-downs													0	0	$ 102,000
Impaired financing receivable, Unpaid principal balance	982,000				1,092,000				1,185,000				982,000	1,092,000	$ 1,185,000
Residential real estate
Loans and Allowance for Loan Losses
Number of Loans | item															1
Financing receivable allowance for credit losses, Write-downs													23,000	11,000	$ 36,000
Impaired financing receivable, Unpaid principal balance	2,524,000				3,616,000				5,872,000				2,524,000	$ 3,616,000	5,872,000
Commercial Business
Loans and Allowance for Loan Losses
Number of Loans | item														1
Financing receivable allowance for credit losses, Write-downs													91,000	$ 0	38,000
Impaired financing receivable, Unpaid principal balance	1,189,000				1,559,000				1,675,000				1,189,000	1,559,000	1,675,000
Bank Servicing
Loans and Allowance for Loan Losses
Revenue from Contract with Customer													93,000	88,000	54,000
Banking
Loans and Allowance for Loan Losses
Revenue from Contract with Customer													2,518,000	2,259,000	1,860,000
SBA
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	238,900,000				244,800,000				$ 209,100,000				238,900,000	244,800,000	209,100,000
Troubled Debt Restructuring
Loans and Allowance for Loan Losses
Loans and leases receivable allowance covered	161,000												161,000
Financing receivable allowance for credit losses, Write-downs													0	457,000	0
Provision (credit) for loan losses													161,000	0	538,000
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	4,880,000,000				$ 4,640,000,000								4,880,000,000	4,640,000,000
Revenue from Contract with Customer													9,000,000	$ 6,500,000	$ 621,000
Escrow balances maintained with foregoing loan servicing and other liabilities	46,000,000												46,000,000
Nonresidential MSR
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	$ 44,600,000												44,600,000
Revenue from Contract with Customer													$ 92,000

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	$ 39,272	$ 38,059
Less: accumulated depreciation	(12,172)	(10,390)
Property, Plant and Equipment, Net, Total	27,100	27,669
Property, Plant and Equipment [Member]
PREMISES AND EQUIPMENT
Depreciation expense	2,125	2,023	$ 1,576
Land and land improvements [Member]
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	5,328	4,561
Office buildings [Member]
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	23,942	23,826
Leasehold improvements [Member]
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	66	66
Furniture, fixtures and equipment [Member]
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	9,187	9,206
Construction in Progress [Member]
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	$ 749	$ 400

PREMISES AND EQUIPMENT - Additi

PREMISES AND EQUIPMENT - Additional Information (Detail) - USD ($)

3 Months Ended

12 Months Ended

Sep. 30, 2022

Jun. 30, 2022

Mar. 31, 2022

Dec. 31, 2021

Sep. 30, 2021

Jun. 30, 2021

Mar. 31, 2021

Dec. 31, 2020

Sep. 30, 2020

Jun. 30, 2020

Mar. 31, 2020

Dec. 31, 2019

Sep. 30, 2022

Sep. 30, 2021

Sep. 30, 2020

Sep. 30, 2019

PREMISES AND EQUIPMENT

Lease expiration term

10 years

Sale leaseback transaction, deferred gain, remaining balance

$ 218,000

Gain realized on the sale of the property

$ 471,000

Noninterest income

$ 4,531,000

$ 10,033,000

$ 20,072,000

$ 16,591,000

$ 16,495,000

$ 18,785,000

$ 38,973,000

$ 46,183,000

$ 57,024,000

$ 46,962,000

$ 11,133,000

$ 18,232,000

51,227,000

$ 120,436,000

$ 133,351,000

Bank

PREMISES AND EQUIPMENT

Gain realized on the sale of the property

307,000

Noninterest income

$ 164,000

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
OTHER REAL ESTATE OWNED.
Balance as of October 1	$ 1,728	$ 1,728	$ 1,893
Transfers from loans to OREO		426	426
Transfers from OREO to premises and equipment	(721)
Sales	(804)	(426)	(165)
Balance as of September 30	$ 203	$ 1,728	$ 1,728

OTHER REAL ESTATE OWNED - Sched

OTHER REAL ESTATE OWNED - Schedule Of (Gain) Loss On Other Real Estate Owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
OTHER REAL ESTATE OWNED.
Net (gain)/loss on sales	$ 115	$ (74)	$ (16)
Operating expenses, net of rental income	0	10	15
Profit (Loss) from Real Estate Operations	$ 115	$ (64)	$ (1)

OTHER REAL ESTATE OWNED - Addit

OTHER REAL ESTATE OWNED - Additional Information (Details) - USD ($)	Sep. 30, 2022	Sep. 30, 2021
Other real estate	$ 0
Residential real estate
Real estate acquired through foreclosure	$ 204,000	$ 124,000

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLES - Changes in the carrying amount of goodwill - (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
GOODWILL AND OTHER INTANGIBLES
Beginning balance	$ 9,848	$ 9,848	$ 9,848
Acquisition of Dearmin/FNBO	0	0	0
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, 2022	Sep. 30, 2021
Goodwill and intangible assets
Less accumulated amortization	$ (4,019)	$ (3,806)
Ending balance	775	988
Core deposit intangible acquired in Community First acquisition
Goodwill and intangible assets
Core deposit intangible acquired	2,741	2,741
Core deposit intangible acquired in First Federal branch acquisition
Goodwill and intangible assets
Core deposit intangible acquired	566	566
Core deposit intangible acquired in Dearmin/FNBO acquisition
Goodwill and intangible assets
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, 2022	Sep. 30, 2021	Sep. 30, 2020
GOODWILL AND OTHER INTANGIBLES
Amortization expense	$ 214	$ 214	$ 214

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLES - Estimated amortization expense for the core deposit intangibles (Detail) $ in Thousands	Sep. 30, 2022 USD ($)
GOODWILL AND OTHER INTANGIBLES
2023	$ 214
2024	163
2025	163
2026	163
2027	72
Total	$ 775

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLES - Additional Information (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
GOODWILL AND OTHER INTANGIBLES
Impairment of goodwill	$ 0	$ 0	$ 0

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Deposits
Noninterest-bearing demand deposits	$ 340,172	$ 291,039
NOW accounts	343,296	315,169
Money market accounts	238,219	222,972
Savings accounts	171,779	162,033
Retail time deposits	129,864	136,309
Brokered and reciprocal certificates of deposit	292,504	100,058
Total deposits	$ 1,515,834	$ 1,227,580

DEPOSITS - Scheduled maturities

DEPOSITS - Scheduled maturities of certificates of deposit (Detail) $ in Thousands	Sep. 30, 2022 USD ($)
Deposits
2023	$ 368,081
2024	28,960
2025	8,213
2026	6,868
2027	10,246
Total	$ 422,368

DEPOSITS - Additional informati

DEPOSITS - Additional information (Detail) - USD ($)	Sep. 30, 2022	Sep. 30, 2021
Deposits
FDIC	$ 250,000
Time deposits, at or above FDIC insurance limit	32,600,000	$ 29,800,000
Related party deposit liabilities	$ 15,300,000	$ 14,700,000

FEDERAL FUNDS PURCHASED (Detail

FEDERAL FUNDS PURCHASED (Detail) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
FEDERAL FUNDS PURCHASED
Line of credit expiry date	Jun. 30, 2021
Discretionary line of credit facility
FEDERAL FUNDS PURCHASED
Federal funds purchased	$ 22
Line of credit
FEDERAL FUNDS PURCHASED
Federal funds purchased	15
Federal funds outstanding	0	$ 0
Line of credit | Federal fund purchased
FEDERAL FUNDS PURCHASED
Federal funds purchased	$ 20
Percentage of Bank's equity capital	25%

BORROWINGS FROM FEDERAL HOME _3

BORROWINGS FROM FEDERAL HOME LOAN BANK - Borrowings from the FHLB (Detail) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
BORROWINGS FROM FEDERAL HOME LOAN BANK
2022 Weighted Average Rate	0%	2.01%
2023 Weighted Average Rate	3%
2024 Weighted Average Rate		2.02%
2025 Weighted Average Rate	1.51%	1.51%
2026 Weighted Average Rate	1.13%	1.13%
2027 and beyond Weighted Average Rate	1.27%	0.77%
2022 Amount	$ 0	$ 10,000
2023 Amount	130,000
2024 Amount		50,000
2025 Amount	10,000	10,000
2026 Amount	20,000	20,000
2027 and beyond Amount	135,000	160,000
Total advances	$ 295,000	$ 250,000
Line of credit balance (Weighted Average Rate)	3.45%	0.43%
Line of credit facility maximum amount outstanding	$ 12,303
Total borrowings from FHLB	$ 307,303	$ 250,000

BORROWINGS FROM FEDERAL HOME _4

BORROWINGS FROM FEDERAL HOME LOAN BANK - Additional Information (Detail) - USD ($)	Sep. 30, 2022	Jan. 21, 2022	Sep. 30, 2021	May 31, 2017	Jun. 19, 2014
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	$ 1,457,294,000		$ 1,094,635,000
Securities available for sale, at fair value	$ 316,517,000		206,681,000
Debt Securities, Available-for-Sale, Pledged Status [Extensible Enumeration]	us-gaap:AssetPledgedAsCollateralMember
Federal Home Loan Bank borrowings	$ 307,303,000		$ 250,000,000
Federal Home Loan Bank Advances [Member]
BORROWINGS FROM FEDERAL HOME LOAN BANK
Securities available for sale, at fair value	58,600,000
Investment Type Categorizations
BORROWINGS FROM FEDERAL HOME LOAN BANK
Line of Credit Facility, Fair Value of Amount Outstanding	0
Line of Credit Facility, Remaining Borrowing Capacity	1,900,000
Letter of credit
BORROWINGS FROM FEDERAL HOME LOAN BANK
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
Line of Credit Facility, Remaining Borrowing Capacity	2,100,000
Letter of credit | Securities investment
BORROWINGS FROM FEDERAL HOME LOAN BANK
Federal Home Loan Bank borrowings					$ 3,300,000
Overdraft line of credit agreement | Securities investment
BORROWINGS FROM FEDERAL HOME LOAN BANK
Line of Credit Facility, Fair Value of Amount Outstanding	12,300,000
Line of Credit Facility, Remaining Borrowing Capacity		$ 25,000,000
Residential mortgage loans | Overdraft Line of Credit Agreement
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	183,700,000
Commercial real estate | Commercial real estate
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	$ 695,900,000

OTHER BORROWINGS - Additional I

OTHER BORROWINGS - Additional Information (Details) - USD ($)				12 Months Ended
	Mar. 18, 2022	Sep. 20, 2018	Sep. 20, 2018	Sep. 30, 2022	Sep. 30, 2021
PPPLF
OTHER BORROWINGS
Line of credit facility, fixed interest rate				0.35%
Borrowings				$ 0	$ 0
Subordinated debt one
OTHER BORROWINGS
Principal amount		$ 20,000,000	$ 20,000,000
Fixed interest rate		6.02%	6.02%
Unamortized debt issuance costs				68,000	$ 135,000
Amortization period		5 years
Subordinated debt one | Secured Overnight Financing Rate ("SOFR")
OTHER BORROWINGS
Spread on variable rate			310%
Subordinated debt two
OTHER BORROWINGS
Principal amount	$ 31,000,000
Fixed interest rate	4.50%
Unamortized debt issuance costs				$ 715,000
Amortization period	5 years
Subordinated debt two | Secured Overnight Financing Rate ("SOFR")
OTHER BORROWINGS
Spread on variable rate	276%

DEFERRED COMPENSATION PLANS - D

DEFERRED COMPENSATION PLANS - Deferred Compensation Expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Officer
DEFERRED COMPENSATION PLANS
Deferred compensation expense (income)	$ 164	$ 129	$ (4)

DEFERRED COMPENSATION PLANS -_2

DEFERRED COMPENSATION PLANS - Deferred Directors Fees Expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Director
DEFERRED COMPENSATION PLANS
Deferred directors' fee expense	$ 202	$ 166	$ 187

DEFERRED COMPENSATION PLANS - A

DEFERRED COMPENSATION PLANS - Additional Information (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
DEFERRED COMPENSATION PLANS
Accrued benefits	$ 500,000	$ 336,000
Description of deferred compensation arrangement with individual	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%
Agreement term	10 years
Director
DEFERRED COMPENSATION PLANS
Accrued benefits	$ 1,500,000	$ 1,500,000	$ 1,500,000

BENEFIT PLANS - Contributions T

BENEFIT PLANS - Contributions To The Plan (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
BENEFIT PLANS
Company contributions to the plan	$ 1,366	$ 1,633	$ 1,420

BENEFIT PLANS - Compensation Ex

BENEFIT PLANS - Compensation Expense Recognized (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
BENEFIT PLANS
Compensation expense	$ 0	$ 0	$ 0

BENEFIT PLANS - Additional Info

BENEFIT PLANS - Additional Information (Detail) $ / shares in Units, $ in Millions			12 Months Ended
	Sep. 15, 2021	Oct. 06, 2008 $ / shares shares	Sep. 30, 2021 USD ($) shares	Sep. 30, 2022 USD ($) shares
BENEFIT PLANS
Total ESOP shares | shares		610,089	335,958	306,202
Employee stock ownership plan (per share) | $ / shares		$ 3.33
Stock split ratio	0.33		3
Aggregate fair value of shares allocated to ESOP participants | $			$ 9.4	$ 7

STOCK-BASED COMPENSATION PLAN_2

STOCK-BASED COMPENSATION PLANS (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
STOCK-BASED COMPENSATION PLANS
Stock option expense	$ 296	$ 92	$ 86
Restricted stock expense	$ 391	$ 184	$ 193

STOCK-BASED COMPENSATION PLAN_3

STOCK-BASED COMPENSATION PLANS - Fair Value Of Options Granted (Details) - $ / shares	12 Months Ended			24 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021
STOCK-BASED COMPENSATION PLANS
Expected dividend yield	2.32%			1.75%
Risk-free interest rate	1.55%			2.13%
Expected volatility	27%			14.60%
Expected life of options	7 years 1 month 6 days	7 years 6 months	7 years 6 months
Weighted average fair value at grant date	$ 7.03			$ 6.13

STOCK-BASED COMPENSATION PLAN_4

STOCK-BASED COMPENSATION PLANS - Stock Option Activity (Details) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Number of Shares
Outstanding at beginning of year	217,074
Granted	137,250
Exercised	(2,955)	(6,840)	(85,083)
Outstanding at end of year	351,369	217,074
Vested and expected to vest	351,369
Exercisable at end of year	168,344
Weighted Average Exercise Price
Outstanding at beginning of year	$ 16.58
Granted	26.72
Exercised	13.36
Outstanding at end of year	20.57	$ 16.58
Vested and expected to vest	20.57
Exercisable at end of year	$ 15.28
Weighted Average Remaining Contractual Term (Years)
Outstanding at end of period	6 years 9 months 18 days
Vested and expected to vest	6 years 9 months 18 days
Exercisable at end of period	4 years 8 months 12 days
Aggregate Intrinsic Value
Outstanding at end of period	$ 1,566,000
Vested and expected to vest	1,566,000
Exercisable at end of period	$ 1,458,000

STOCK-BASED COMPENSATION PLAN_5

STOCK-BASED COMPENSATION PLANS - Non vested Restricted Shares (Details) - Restricted Stock - $ / shares	1 Months Ended	12 Months Ended
	Nov. 30, 2022	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Number of Shares
Nonvested		17,799
Granted	22,000	45,750
Vested		(12,225)	(13,125)	(12,258)
Nonvested		51,324	17,799
Weighted Average Grant Date Fair Value
Nonvested		$ 16.72
Granted		26.72
Vested		14.88
Nonvested		$ 26.07	$ 16.72

STOCK-BASED COMPENSATION PLAN_6

STOCK-BASED COMPENSATION PLANS - Additional Information (Details) - USD ($)	1 Months Ended		12 Months Ended
	Nov. 30, 2022	Nov. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Terms of award			ten years
Proceeds from exercise of stock options				$ 27,000	$ 148,000
Compensation expense			$ 0	0	0
Equity Incentive Plan 2016
Aggregated number of shares in stock options			264,000
Common stock available under incentive plan			4,560
Incentive stock options granted			$ 100,000
2021 Plan
Aggregate number of shares of the Company's common stock available for issuance			356,058
Number of stock options granted			267,043
Common stock available under incentive plan			173,058
2021 Plan | Maximum
Vesting period		5 years
2021 Plan | Minimum
Vesting period		1 year
Equity Incentive Plan 2010
Common stock available under incentive plan			0
Employee Stock Option
Intrinsic value of stock options exercised			$ 31,000	50,000	1,400,000
Unrecognized compensation expenses related to nonvested stock options			$ 777,000
weighted average period of compensation expense (in years)			4 years
Proceeds from exercise of stock options			$ 0	27,000	148,000
Tax benefit from the exercise of stock options			$ 8,000	10,000	134,000
Employee Stock Option | Equity Incentive Plan 2016
Aggregated number of shares in stock options			198,000
Common stock available under incentive plan			3,060
Employee Stock Option | 2021 Plan
Common stock available under incentive plan			129,793
Restricted Stock
Number of restricted shares granted	22,000		45,750
Unrecognized compensation expenses related to nonvested stock options			$ 969,000
weighted average period of compensation expense (in years)			3 years 11 months 19 days
Fair value of restricted shares			$ 327,000	$ 277,000	$ 271,000
Restricted shares vested			12,225	13,125	12,258
Restricted Stock | Maximum
Vesting period			5 years
Restricted Stock | Minimum
Vesting period			1 year
Restricted Stock | Equity Incentive Plan 2016
Aggregated number of shares in stock options			66,000
Common stock available under incentive plan			1,500
Restricted Stock | 2021 Plan
Number of restricted shares granted		45,750	89,015
Common stock available under incentive plan			43,265
Stock options
Number of stock options granted	66,000
Terms of award			ten years
Stock options | Maximum
Vesting period			5 years
Stock options | Minimum
Vesting period			1 year
Stock options | 2021 Plan
Number of stock options granted		137,250

INCOME TAXES - Consolidated Inc

INCOME TAXES - Consolidated Income Tax Expense (Detail) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
INCOME TAXES
Current													$ 283	$ 2,166	$ 8,295
Valuation allowance													(78)	(34)	193
Deferred													2,173	7,865	4,173
Income tax expense	$ 9	$ (61)	$ 1,619	$ 811	$ 958	$ 817	$ 3,695	$ 4,527	$ 7,257	$ 5,540	$ (774)	$ 638	$ 2,378	$ 9,997	$ 12,661

INCOME TAXES - Reconciliation O

INCOME TAXES - Reconciliation Of Income Tax Expense (Detail) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
INCOME TAXES
Provision at federal statutory rate													$ 3,953	$ 8,308	$ 9,816
State income tax-net of federal tax benefit													297	901	1,815
Tax-exempt interest income													(1,314)	(1,045)	(962)
Bank owned life insurance													(209)	(194)	(154)
Captive insurance net premiums													(375)	(303)	(295)
Increase (decrease) in federal deferred tax valuation allowance													(78)	(20)	193
Nondeductible officer compensation														2,238	2,373
Other													104	112	(125)
Income tax expense	$ 9	$ (61)	$ 1,619	$ 811	$ 958	$ 817	$ 3,695	$ 4,527	$ 7,257	$ 5,540	$ (774)	$ 638	$ 2,378	$ 9,997	$ 12,661

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets And Liabilities (Detail) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Deferred tax assets:
Allowance for loan losses	$ 3,719	$ 3,460
Operating lease liability	1,100	1,430
Deferred compensation plans	475	426
Equity incentive plans	117	45
Other-than-temporary impairment loss on available for sale securities	17	20
Interest on nonaccrual loans	165	236
Loss on tax credit investments	1,638	1,640
Unrealized loss on securities available for sale	7,198
Net operating loss carryforwards	400
Mark to market adjustments	514	817
Other	1,246	278
Gross deferred tax assets	16,589	8,352
Valuation allowance	(1,570)	(1,648)
Net deferred tax assets	15,019	6,704
Deferred tax liabilities:
Unrealized gain on securities available for sale	0	(2,366)
Accumulated depreciation	(2,099)	(2,014)
Operating lease right of use asset	(1,069)	(1,403)
Installment sale	(349)	(360)
Acquisition purchase accounting adjustments	(1,284)	(853)
Mortgage servicing rights	(15,498)	(12,336)
FHLB stock dividends	(71)	(85)
Prepaid expenses	(776)	(829)
Deferred loan fees and costs, net	(180)	(239)
Others	(101)	(96)
Deferred tax liabilities	(21,427)	(20,581)
Net deferred tax liability	$ (6,408)	$ (13,877)

INCOME TAXES - Additional Infor

INCOME TAXES - Additional Information (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Federal statutory rate (in percent)	21%	21%	21%
Federal net operating loss carryforward not subject to expiration	$ 2,600,000
Deferred tax asses, valuation allowance	1,570,000	$ 1,648,000
Tax credit investment	7,400,000
Unrecognized income tax benefit	0	0
Retained earnings - substantially restricted	162,985,000	150,185,000
Unrecorded deferred income tax liability	957,000	957,000
Cumulative Effect Period Of Adoption Adjustment Member
Retained earnings - substantially restricted	$ 4,600,000	$ 4,600,000	$ 166,000

LEASES (Details)

LEASES (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
LEASES
Operating lease ,existence of option to extend	true
ROU asset	$ 4,400	$ 5,800
Location of ROU asset	Other assets	Other assets
Lease liability	$ 4,554	$ 5,900
Location of lease liability	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Lease expense	$ 1,100	$ 2,000	$ 1,900
Minimum
LEASES
Renewal term	1 year
Noncancelable operating leases terms	3 years
Maximum
LEASES
Renewal term	20 years
Noncancelable operating leases terms	11 years

LEASES - Components of lease ex

LEASES - Components of lease expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
LEASES
Operating lease cost	$ 621	$ 1,204	$ 1,294
Short-term lease cost	501	836	644
Total operating lease cost	$ 1,122	$ 2,040	$ 1,938

LEASES - Future minimum commitm

LEASES - Future minimum commitments due under these lease agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
LEASES
2023	$ 412
2024	324
2025	228
2026	203
2027	211
Thereafter	4,991
Total lease payments	6,369
Less imputed interest	(1,815)
Total	$ 4,554	$ 5,900

LEASES - Lease term, discount r

LEASES - Lease term, discount rate and supplemental cash flow information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
LEASES
Weighted-average remaining lease term (years)	23 years 8 months 12 days	21 years 6 months
Weighted-average discount rate	2.89%	2.53%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 607	$ 1,253	$ 1,221
ROU assets obtained in exchange for lease obligations:
Operating leases	$ 275	$ 2,038	$ 9,083

LEASES - Lessor future minimum

LEASES - Lessor future minimum lease payments (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Lessor
2023	$ 469
2024	469
2025	354
2026	8
2027	8
2028 and thereafter	5
Total	$ 1,313

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	$ 327,764	$ 192,806
Fixed rate
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	53,692	49,722
Adjustable rate
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	71,167	28,137
Guarantees of third-party revolving credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	286	177
Undisbursed portion of home equity lines of credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	105,208	35,995
Undisbursed portion of commercial and personal lines of credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	52,146	47,452
Undisbursed portion of construction loans in process
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	$ 45,265	$ 31,323

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
COMMITMENTS AND CONTINGENCIES
Letters of credit	$ 8,200,000	$ 8,300,000
Amount of loss contingency	0	0
Loss contingency for potential restitution	390,000
Fixed rate
COMMITMENTS AND CONTINGENCIES
Reserve for loan repurchases or indemnifications	435,000	338,000
Provisions for loan repurchases or indemnifications	$ 672,000	$ 595,000	$ 614,000

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	$ 108,952	$ 622,928
Asset Derivatives	1,030	3,632
Liability Derivatives	$ 427	$ 635
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued Liabilities and Other Liabilities	Accrued Liabilities and Other Liabilities
Interest rate lock commitments
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	$ 48,952	$ 331,178
Asset Derivatives	158	2,167
Liability Derivatives	396	600
Forward mortgage loan sale contracts
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	60,000	291,750
Asset Derivatives	872	1,465
Liability Derivatives	$ 31	$ 35

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS- Income (loss) Related To Derivative Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
DERIVATIVE FINANCIAL INSTRUMENTS
Income (loss) related to derivative financial instruments	$ 18,593	$ (9,230)	$ (10,744)
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing
Interest rate lock commitments
DERIVATIVE FINANCIAL INSTRUMENTS
Income (loss) related to derivative financial instruments	$ (1,805)	$ (13,370)	$ 11,668
Forward mortgage loan sale contracts
DERIVATIVE FINANCIAL INSTRUMENTS
Income (loss) related to derivative financial instruments	$ 20,398	$ 4,140	$ (22,412)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Additional Information (Details) - USD ($) $ in Millions	Sep. 30, 2022	Sep. 30, 2021
DERIVATIVE FINANCIAL INSTRUMENTS
Cash collateral derivative counterparty obligations	$ 2.4	$ 2.4

FAIR VALUE MEASUREMENTS - Balan

FAIR VALUE MEASUREMENTS - Balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	$ 316,517	$ 206,681
Residential mortgage loans held for sale - fair value option elected	38,579	167,813
Derivative assets (included in other assets)	$ 1,030	$ 3,632
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Residential mortgage loan servicing rights, at fair value	$ 63,263	$ 49,579
Derivative liabilities (included in other liabilities)	427	635
SBA loan servicing rights	3,790	4,447
Agency mortgage-backed
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	27,500	8,384
Agency CMO.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	14,821	13,530
Privately-issued CMO
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	470	803
Privately-issued ABS
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	569	772
SBA certificates
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	12,012	2,138
Municipal bonds
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	233,850	180,804
Fair Value, Measurements, Recurring
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	316,517	206,681
Derivative assets (included in other assets)	1,030	$ 3,632
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other Assets
Equity securities (included in other assets)	103	$ 112
Residential mortgage loan servicing rights, at fair value	63,263	49,579
Derivative liabilities (included in other liabilities)	427	635
Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected
FAIR VALUE MEASUREMENTS
Residential mortgage loans held for sale - fair value option elected	38,579
Fair Value, Measurements, Recurring | U.S. Treasury bills.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	27,295	250
Fair Value, Measurements, Recurring | Agency mortgage-backed
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	27,500	8,384
Fair Value, Measurements, Recurring | Agency CMO.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	14,821	13,530
Fair Value, Measurements, Recurring | Privately-issued CMO
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	470	803
Fair Value, Measurements, Recurring | Privately-issued ABS
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	569	772
Fair Value, Measurements, Recurring | SBA certificates
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	12,012	2,138
Fair Value, Measurements, Recurring | Municipal bonds
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	233,850	180,804
Fair Value, Measurements, Nonrecurring
FAIR VALUE MEASUREMENTS
Total impaired loans	2,910	4,248
Fair Value, Measurements, Nonrecurring | Residential real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	71
Fair Value, Measurements, Nonrecurring | Commercial real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Fair Value, Measurements, Nonrecurring | SBA commercial real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	2,574	4,169
Fair Value, Measurements, Nonrecurring | Multifamily
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Fair Value, Measurements, Nonrecurring | Commercial business
FAIR VALUE MEASUREMENTS
Total impaired loans	46	0
Fair Value, Measurements, Nonrecurring | SBA commercial business
FAIR VALUE MEASUREMENTS
Total impaired loans	290	0
Fair Value, Measurements, Nonrecurring | Consumer
FAIR VALUE MEASUREMENTS
Total impaired loans	0	8
Fair Value, Measurements, Nonrecurring | SBA loan servicing rights
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	3,790	1,184
Level 1
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Derivative assets (included in other assets)		0
Equity securities (included in other assets)	103	112
Derivative liabilities (included in other liabilities)		0
SBA loan servicing rights	0	0
Level 1 | Fair Value, Measurements, Recurring
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Derivative assets (included in other assets)	0	0
Equity securities (included in other assets)	103	112
Residential mortgage loan servicing rights, at fair value	0	0
Derivative liabilities (included in other liabilities)	0	0
Level 1 | Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected
FAIR VALUE MEASUREMENTS
Residential mortgage loans held for sale - fair value option elected	0
Level 1 | Fair Value, Measurements, Recurring | U.S. Treasury bills.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 1 | Fair Value, Measurements, Recurring | Agency mortgage-backed
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 1 | Fair Value, Measurements, Recurring | Agency CMO.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 1 | Fair Value, Measurements, Recurring | Privately-issued CMO
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 1 | Fair Value, Measurements, Recurring | Privately-issued ABS
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 1 | Fair Value, Measurements, Recurring | SBA certificates
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 1 | Fair Value, Measurements, Recurring | Municipal bonds
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 1 | Fair Value, Measurements, Nonrecurring
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Residential real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Commercial real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | SBA commercial real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Multifamily
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Commercial business
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | SBA commercial business
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Consumer
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | SBA loan servicing rights
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	0	0
Level 2
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	316,517	206,681
Derivative assets (included in other assets)		1,465
Equity securities (included in other assets)	0	0
Derivative liabilities (included in other liabilities)		35
SBA loan servicing rights	0	0
Level 2 | Fair Value, Measurements, Recurring
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	316,517	206,681
Derivative assets (included in other assets)	872	1,465
Equity securities (included in other assets)	0	0
Residential mortgage loan servicing rights, at fair value	0	0
Derivative liabilities (included in other liabilities)	31	35
Level 2 | Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected
FAIR VALUE MEASUREMENTS
Residential mortgage loans held for sale - fair value option elected	38,579
Level 2 | Fair Value, Measurements, Recurring | U.S. Treasury bills.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	27,295	250
Level 2 | Fair Value, Measurements, Recurring | Agency mortgage-backed
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	27,500	8,384
Level 2 | Fair Value, Measurements, Recurring | Agency CMO.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	14,821	13,530
Level 2 | Fair Value, Measurements, Recurring | Privately-issued CMO
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	470	803
Level 2 | Fair Value, Measurements, Recurring | Privately-issued ABS
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	569	772
Level 2 | Fair Value, Measurements, Recurring | SBA certificates
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	12,012	2,138
Level 2 | Fair Value, Measurements, Recurring | Municipal bonds
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	233,850	180,804
Level 2 | Fair Value, Measurements, Nonrecurring
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Residential real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Commercial real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | SBA commercial real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Multifamily
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Commercial business
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | SBA commercial business
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Consumer
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | SBA loan servicing rights
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	0	0
Level 3
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Derivative assets (included in other assets)		2,167
Equity securities (included in other assets)	0	0
Derivative liabilities (included in other liabilities)		600
SBA loan servicing rights	3,790	4,646
Level 3 | Fair Value, Measurements, Recurring
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Derivative assets (included in other assets)	158	2,167
Equity securities (included in other assets)	0	0
Residential mortgage loan servicing rights, at fair value	63,263	49,579
Derivative liabilities (included in other liabilities)	396	600
Level 3 | Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected
FAIR VALUE MEASUREMENTS
Residential mortgage loans held for sale - fair value option elected	0
Level 3 | Fair Value, Measurements, Recurring | U.S. Treasury bills.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 3 | Fair Value, Measurements, Recurring | Agency mortgage-backed
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 3 | Fair Value, Measurements, Recurring | Agency CMO.
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 3 | Fair Value, Measurements, Recurring | Privately-issued CMO
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 3 | Fair Value, Measurements, Recurring | Privately-issued ABS
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 3 | Fair Value, Measurements, Recurring | SBA certificates
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 3 | Fair Value, Measurements, Recurring | Municipal bonds
FAIR VALUE MEASUREMENTS
Securities available for sale, at fair value	0	0
Level 3 | Fair Value, Measurements, Nonrecurring
FAIR VALUE MEASUREMENTS
Total impaired loans	2,910	4,248
Level 3 | Fair Value, Measurements, Nonrecurring | Residential real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	71
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 3 | Fair Value, Measurements, Nonrecurring | SBA commercial real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	2,574	4,169
Level 3 | Fair Value, Measurements, Nonrecurring | Multifamily
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial business
FAIR VALUE MEASUREMENTS
Total impaired loans	46	0
Level 3 | Fair Value, Measurements, Nonrecurring | SBA commercial business
FAIR VALUE MEASUREMENTS
Total impaired loans	290	0
Level 3 | Fair Value, Measurements, Nonrecurring | Consumer
FAIR VALUE MEASUREMENTS
Total impaired loans	0	8
Level 3 | Fair Value, Measurements, Nonrecurring | SBA loan servicing rights
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	$ 3,790	$ 1,184

FAIR VALUE MEASUREMENTS - Recon

FAIR VALUE MEASUREMENTS - Reconciliation of derivative assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
FAIR VALUE MEASUREMENTS
Beginning balance	$ 1,567	$ 14,937	$ 3,269
Unrealized gains (losses) recognized in earnings, net of settlements	(1,805)	(13,370)	11,668
Ending balance	$ (238)	$ 1,567	$ 14,937

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, 2022	Sep. 30, 2021
Pull-through rate | Minimum
FAIR VALUE MEASUREMENTS
Fixed interest rate	50%	58%
Pull-through rate | Maximum
FAIR VALUE MEASUREMENTS
Fixed interest rate	100%	100%
Pull-through rate | Weighted Average
FAIR VALUE MEASUREMENTS
Fixed interest rate	78%	83%
Direct costs to close | Minimum
FAIR VALUE MEASUREMENTS
Fixed interest rate	0%	0.37%
Direct costs to close | Maximum
FAIR VALUE MEASUREMENTS
Fixed interest rate	4%	1.74%
Direct costs to close | Weighted Average
FAIR VALUE MEASUREMENTS
Fixed interest rate	0.70%	0.86%

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, 2022	Sep. 30, 2021	Sep. 30, 2020
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 49,579	$ 21,703	$ 934
Issuances (loans sold with servicing retained)	11,161	36,679	24,058
Net settlements	(7,539)	(9,555)	(1,542)
Unrealized gains (losses) included in earnings	10,062	752	(1,747)
Ending balance	$ 63,263	$ 49,579	$ 21,703

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, 2022	Sep. 30, 2021
Discount rate
FAIR VALUE MEASUREMENTS
Mortgage servicing rights, measurement input		8.51
Discount rate | Minimum
FAIR VALUE MEASUREMENTS
Mortgage servicing rights, measurement input	9.50	8.50
Discount rate | Maximum
FAIR VALUE MEASUREMENTS
Mortgage servicing rights, measurement input	14.50
Discount rate | Weighted Average
FAIR VALUE MEASUREMENTS
Mortgage servicing rights, measurement input	9.51	10
Prepayment rate | Minimum
FAIR VALUE MEASUREMENTS
Mortgage servicing rights, measurement input	6.01	6.04
Prepayment rate | Maximum
FAIR VALUE MEASUREMENTS
Mortgage servicing rights, measurement input	74.89	43.27
Prepayment rate | Weighted Average
FAIR VALUE MEASUREMENTS
Mortgage servicing rights, measurement input	6.63	10

FAIR VALUE MEASUREMENTS - Provi

FAIR VALUE MEASUREMENTS - Provisions For Loan Losses Recognized For Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Provision for loan losses recognized	$ 1,908	$ (1,767)	$ 7,962
Impaired Loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Provision for loan losses recognized	$ 2,421	$ 381	$ 2,424

FAIR VALUE MEASUREMENTS - Sched

FAIR VALUE MEASUREMENTS - Schedule of Impairment Charges to Write Down Loan Servicing Rights at Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
FAIR VALUE MEASUREMENTS
Charges (reductions) to write down SBA loan servicing rights	$ 216	$ 66	$ (116)

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, 2022	Sep. 30, 2021
FAIR VALUE MEASUREMENTS
Residential mortgage loans held for sale Aggregate Fair Value	$ 38,579	$ 167,813
Residential mortgage loans held for sale Aggregate Principal Balance	38,517	163,158
Residential mortgage loans held for sale Difference	$ 62	$ 4,655

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, 2022	Sep. 30, 2021	Sep. 30, 2020
FAIR VALUE MEASUREMENTS
Total gains and interest included in earnings	$ 3,604	$ 7,712	$ 12,530
Interest income
FAIR VALUE MEASUREMENTS
Interest income	3,989	5,695	5,026
Mortgage Banking
FAIR VALUE MEASUREMENTS
Gains (losses) - included in mortgage banking income	$ (385)	$ 2,017	$ 7,504

FAIR VALUE MEASUREMENTS - Sum_5

FAIR VALUE MEASUREMENTS - Summary of fair value of loans measured using an entry price notion (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Financial assets:
Cash and due from banks	$ 18,312	$ 14,191
Interest-bearing deposits with banks	23,353	19,237
Securities available for sale, at fair value	316,517	206,681
Securities held to maturity	1,558	1,837
Loans, net	1,436,555	1,075,936
SBA loan servicing rights	3,790	4,447
Financial liabilities:
Deposits	1,515,834	1,227,580
Federal Home Loan Bank borrowings	307,303	250,000
Accrued interest payable	1,302	258
Advance payments by borrowers for taxes and insurance	1,207	2,076
Level 1
Financial assets:
Cash and due from banks	18,312	14,191
Interest-bearing deposits with banks	23,353	19,237
Interest-bearing time deposits	0	0
Securities available for sale, at fair value	0	0
Securities held to maturity	0	0
Residential mortgage loans held for sale	0	0
Single tenant net lease loans held for sale		0
SBA loans held for sale	0	0
Loans, net	0	0
Accrued interest receivable	0	0
SBA loan servicing rights	0	0
Residential mortgage loan servicing rights	0	0
Nonresidential mortgage loan servicing rights	0
Derivative assets (included in other assets)	0
Equity securities (included in other assets)	103	112
Financial liabilities:
Deposits	0	0
Federal Home Loan Bank borrowings	0	0
Subordinated note	0	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)	0
Level 2
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	1,613	2,222
Securities available for sale, at fair value	316,517	206,681
Securities held to maturity	1,593	2,054
Residential mortgage loans held for sale	38,579	167,813
Single tenant net lease loans held for sale		0
SBA loans held for sale	24,010	27,312
Loans, net	0	0
Accrued interest receivable	8,332	6,243
SBA loan servicing rights	0	0
Residential mortgage loan servicing rights	0	0
Nonresidential mortgage loan servicing rights	0
Derivative assets (included in other assets)	872
Equity securities (included in other assets)	0	0
Financial liabilities:
Deposits	0	0
Federal Home Loan Bank borrowings	302,090	251,877
Subordinated note	48,685	21,083
Accrued interest payable	1,302	258
Advance payments by borrowers for taxes and insurance	1,207	2,076
Derivative liabilities (included in other liabilities)	31
Level 3
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	0	0
Securities available for sale, at fair value	0	0
Securities held to maturity	0	0
Residential mortgage loans held for sale	0	0
Single tenant net lease loans held for sale		23,020
SBA loans held for sale	0	0
Loans, net	1,366,096	1,124,226
Accrued interest receivable	0	0
SBA loan servicing rights	3,790	4,646
Residential mortgage loan servicing rights	63,263	49,579
Nonresidential mortgage loan servicing rights	141
Derivative assets (included in other assets)	158
Equity securities (included in other assets)	0	0
Financial liabilities:
Deposits	1,510,792	1,228,147
Federal Home Loan Bank borrowings	0	0
Subordinated note	0	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)	396
Estimate of fair value measurement
Financial assets:
Cash and due from banks	18,312	14,191
Interest-bearing deposits with banks	23,353	19,237
Interest-bearing time deposits	1,613	2,222
Securities available for sale, at fair value	316,517	206,681
Securities held to maturity	1,558	1,837
Residential mortgage loans held for sale	38,579	167,813
Single tenant net lease loans held for sale		23,020
SBA loans held for sale		24,107
Loans, net	1,436,555	1,075,936
FRB and FHLB stock	20,004	19,258
Accrued interest receivable	8,332	6,243
SBA loan servicing rights	3,790	4,447
Residential mortgage loan servicing rights	63,263	49,579
Nonresidential mortgage loan servicing rights	141
Derivative assets (included in other assets)	1,030
Equity securities (included in other assets)	103	112
Financial liabilities:
Deposits	1,515,834	1,227,580
Federal Home Loan Bank borrowings	307,303	250,000
Subordinated note	50,217	19,865
Accrued interest payable	1,302	258
Advance payments by borrowers for taxes and insurance	1,207	$ 2,076
Derivative liabilities (included in other liabilities)	$ 427

FAIR VALUE MEASUREMENTS (Additi

FAIR VALUE MEASUREMENTS (Additional information) (Detail) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2019
Impairment charges on nonresidential mortgage loan servicing rights	$ 0	$ 0	$ 0
Unrealized gains recognized in earnings	$ 238,000
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing
Derivative assets and liabilities held at the balance sheet date	$ (238,000)	$ 1,567,000	$ 14,937,000	$ 3,269,000
Maximum
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	25%	22.34%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	29.26%	24.51%
Maximum | Collateral | Discount rate
Fair value inputs discount rate	10%	26%
Maximum | Impaired Loans | Discount rate
Fair value inputs discount rate	100%	100%
Maximum | SBA | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	25%	22.34%
Maximum | SBA | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	29.26%	24.51%
Minimum
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	6.90%	4.57%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	7.08%	8.30%
Minimum | Collateral | Discount rate
Fair value inputs discount rate	0%	0%
Minimum | Impaired Loans | Discount rate
Fair value inputs discount rate	0%	0%
Minimum | SBA | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	6.90%	4.62%
Minimum | SBA | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	7.08%	8.30%
Weighted Average
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	12.71%	9.97%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	15.27%	15.98%
Weighted Average | SBA | Discount rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	12.71%	14.45%
Weighted Average | SBA | Prepayment rate
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed	15.27%	15.98%

FAIR VALUE MEASUREMENTS - Carry

FAIR VALUE MEASUREMENTS - Carrying Value And Estimated Fair Value Of Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Financial assets:
Cash and due from banks	$ 18,312	$ 14,191
Interest-bearing deposits with banks	23,353	19,237
Securities available for sale	316,517	206,681
Securities held to maturity	1,558	1,837
Loans, net	1,436,555	1,075,936
Single tenant net lease loans held for sale		23,020
SBA loan servicing rights	3,790	4,447
Derivative assets (included in other assets)	1,030	3,632
Financial liabilities:
Deposits	1,515,834	1,227,580
Federal Home Loan Bank borrowings	307,303	250,000
Accrued interest payable	1,302	258
Advance payments by borrowers for taxes and insurance	1,207	2,076
Derivative liabilities (included in other liabilities)	427	635
Level 1
Financial assets:
Cash and due from banks	18,312	14,191
Interest-bearing deposits with banks	23,353	19,237
Interest-bearing time deposits	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Loans, net	0	0
Accrued interest receivable	0	0
SBA loan servicing rights	0	0
Derivative assets (included in other assets)		0
Derivative assets (included in other assets)	0
Equity securities (included in other assets)	103	112
Financial liabilities:
Deposits	0	0
Federal Home Loan Bank borrowings	0	0
Subordinated note	0	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)		0
Derivative liabilities (included in other liabilities)	0
Level 2
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	1,613	2,222
Securities available for sale	316,517	206,681
Securities held to maturity	1,593	2,054
Loans, net	0	0
Accrued interest receivable	8,332	6,243
SBA loan servicing rights	0	0
Derivative assets (included in other assets)		1,465
Derivative assets (included in other assets)	872
Equity securities (included in other assets)	0	0
Financial liabilities:
Deposits	0	0
Federal Home Loan Bank borrowings	302,090	251,877
Subordinated note	48,685	21,083
Accrued interest payable	1,302	258
Advance payments by borrowers for taxes and insurance	1,207	2,076
Derivative liabilities (included in other liabilities)		35
Derivative liabilities (included in other liabilities)	31
Level 3
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Loans, net	1,366,096	1,124,226
Accrued interest receivable	0	0
SBA loan servicing rights	3,790	4,646
Derivative assets (included in other assets)		2,167
Derivative assets (included in other assets)	158
Equity securities (included in other assets)	0	0
Financial liabilities:
Deposits	1,510,792	1,228,147
Federal Home Loan Bank borrowings	0	0
Subordinated note	0	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)		600
Derivative liabilities (included in other liabilities)	396
Fair Value, Measurements, Recurring
Financial assets:
Securities available for sale	316,517	206,681
Derivative assets (included in other assets)	1,030	3,632
Equity securities (included in other assets)	103	112
Financial liabilities:
Derivative liabilities (included in other liabilities)	427	635
Fair Value, Measurements, Recurring | Level 1
Financial assets:
Securities available for sale	0	0
Derivative assets (included in other assets)	0	0
Equity securities (included in other assets)	103	112
Financial liabilities:
Derivative liabilities (included in other liabilities)	0	0
Fair Value, Measurements, Recurring | Level 2
Financial assets:
Securities available for sale	316,517	206,681
Derivative assets (included in other assets)	872	1,465
Equity securities (included in other assets)	0	0
Financial liabilities:
Derivative liabilities (included in other liabilities)	31	35
Fair Value, Measurements, Recurring | Level 3
Financial assets:
Securities available for sale	0	0
Derivative assets (included in other assets)	158	2,167
Equity securities (included in other assets)	0	0
Financial liabilities:
Derivative liabilities (included in other liabilities)	396	600
Estimate of fair value measurement
Financial assets:
Cash and due from banks	18,312	14,191
Interest-bearing deposits with banks	23,353	19,237
Interest-bearing time deposits	1,613	2,222
Securities available for sale	316,517	206,681
Securities held to maturity	1,558	1,837
Loans, net	1,436,555	1,075,936
FRB and FHLB stock	20,004	19,258
Accrued interest receivable	8,332	6,243
SBA loan servicing rights	3,790	4,447
Derivative assets (included in other assets)		3,632
Derivative assets (included in other assets)	1,030
Equity securities (included in other assets)	103	112
Financial liabilities:
Deposits	1,515,834	1,227,580
Federal Home Loan Bank borrowings	307,303	250,000
Subordinated note	50,217	19,865
Accrued interest payable	1,302	258
Advance payments by borrowers for taxes and insurance	1,207	2,076
Derivative liabilities (included in other liabilities)		635
Derivative liabilities (included in other liabilities)	427
Estimate of fair value measurement | Small Business Administration Loans
Financial assets:
Loans, net	21,883
U.S. Treasury bills
Financial assets:
Securities available for sale	$ 27,295	$ 250

FAIR VALUE MEASUREMENTS (Detail

FAIR VALUE MEASUREMENTS (Details) - USD ($)	Sep. 30, 2022	Sep. 30, 2021
FAIR VALUE MEASUREMENTS
Total securities available for sale	$ 316,517,000	$ 206,681,000
Total loans held for sale	0
SBA loan servicing rights	3,790,000	4,447,000
Loans, net	1,436,555,000	1,075,936,000
Derivative assets (included in other assets)	1,030,000	3,632,000
Derivative liabilities (included in other liabilities)	427,000	635,000
Residential real estate
FAIR VALUE MEASUREMENTS
Total other real estate owned	204,000	124,000
Agency Mortgage-Backed
FAIR VALUE MEASUREMENTS
Total securities available for sale	27,500,000	8,384,000
Agency CMO.
FAIR VALUE MEASUREMENTS
Total securities available for sale	14,821,000	13,530,000
Privately-issued CMO
FAIR VALUE MEASUREMENTS
Total securities available for sale	470,000	803,000
Privately-issued ABS
FAIR VALUE MEASUREMENTS
Total securities available for sale	569,000	772,000
SBA certificates
FAIR VALUE MEASUREMENTS
Total securities available for sale	12,012,000	2,138,000
Municipal bonds
FAIR VALUE MEASUREMENTS
Total securities available for sale	233,850,000	180,804,000
Fair Value, Measurements, Recurring
FAIR VALUE MEASUREMENTS
Total securities available for sale	316,517,000	206,681,000
Derivative assets (included in other assets)	1,030,000	3,632,000
Derivative liabilities (included in other liabilities)	427,000	635,000
Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected [Member]
FAIR VALUE MEASUREMENTS
Loans, net		167,813,000
Fair Value, Measurements, Recurring | Agency Mortgage-Backed
FAIR VALUE MEASUREMENTS
Total securities available for sale	27,500,000	8,384,000
Fair Value, Measurements, Recurring | Agency CMO.
FAIR VALUE MEASUREMENTS
Total securities available for sale	14,821,000	13,530,000
Fair Value, Measurements, Recurring | Privately-issued CMO
FAIR VALUE MEASUREMENTS
Total securities available for sale	470,000	803,000
Fair Value, Measurements, Recurring | Privately-issued ABS
FAIR VALUE MEASUREMENTS
Total securities available for sale	569,000	772,000
Fair Value, Measurements, Recurring | SBA certificates
FAIR VALUE MEASUREMENTS
Total securities available for sale	12,012,000	2,138,000
Fair Value, Measurements, Recurring | Municipal bonds
FAIR VALUE MEASUREMENTS
Total securities available for sale	233,850,000	180,804,000
Fair Value, Measurements, Nonrecurring
FAIR VALUE MEASUREMENTS
Total impaired loans	2,910,000	4,248,000
Fair Value, Measurements, Nonrecurring | Residential real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	71,000
Fair Value, Measurements, Nonrecurring | Commercial Real Estate [Member]
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Fair Value, Measurements, Nonrecurring | Commercial Business
FAIR VALUE MEASUREMENTS
Total impaired loans	46,000	0
Fair Value, Measurements, Nonrecurring | Consumer
FAIR VALUE MEASUREMENTS
Total impaired loans	0	8,000
Fair Value, Measurements, Nonrecurring | Small Business Administration Loan [Member]
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	3,790,000	1,184,000
Level 1
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
SBA loan servicing rights	0	0
Loans, net	0	0
Derivative assets (included in other assets)		0
Derivative liabilities (included in other liabilities)		0
Level 1 | Fair Value, Measurements, Recurring
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Derivative assets (included in other assets)	0	0
Derivative liabilities (included in other liabilities)	0	0
Level 1 | Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected [Member]
FAIR VALUE MEASUREMENTS
Loans, net		0
Level 1 | Fair Value, Measurements, Recurring | Agency Mortgage-Backed
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 1 | Fair Value, Measurements, Recurring | Agency CMO.
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 1 | Fair Value, Measurements, Recurring | Privately-issued CMO
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 1 | Fair Value, Measurements, Recurring | Privately-issued ABS
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 1 | Fair Value, Measurements, Recurring | SBA certificates
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 1 | Fair Value, Measurements, Recurring | Municipal bonds
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 1 | Fair Value, Measurements, Nonrecurring
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Residential real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Commercial Real Estate [Member]
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Commercial Business
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Consumer
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 1 | Fair Value, Measurements, Nonrecurring | Small Business Administration Loan [Member]
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	0	0
Level 2
FAIR VALUE MEASUREMENTS
Total securities available for sale	316,517,000	206,681,000
SBA loan servicing rights	0	0
Loans, net	0	0
Derivative assets (included in other assets)		1,465,000
Derivative liabilities (included in other liabilities)		35,000
Level 2 | Fair Value, Measurements, Recurring
FAIR VALUE MEASUREMENTS
Total securities available for sale	316,517,000	206,681,000
Derivative assets (included in other assets)	872,000	1,465,000
Derivative liabilities (included in other liabilities)	31,000	35,000
Level 2 | Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected [Member]
FAIR VALUE MEASUREMENTS
Loans, net		167,813,000
Level 2 | Fair Value, Measurements, Recurring | Agency Mortgage-Backed
FAIR VALUE MEASUREMENTS
Total securities available for sale	27,500,000	8,384,000
Level 2 | Fair Value, Measurements, Recurring | Agency CMO.
FAIR VALUE MEASUREMENTS
Total securities available for sale	14,821,000	13,530,000
Level 2 | Fair Value, Measurements, Recurring | Privately-issued CMO
FAIR VALUE MEASUREMENTS
Total securities available for sale	470,000	803,000
Level 2 | Fair Value, Measurements, Recurring | Privately-issued ABS
FAIR VALUE MEASUREMENTS
Total securities available for sale	569,000	772,000
Level 2 | Fair Value, Measurements, Recurring | SBA certificates
FAIR VALUE MEASUREMENTS
Total securities available for sale	12,012,000	2,138,000
Level 2 | Fair Value, Measurements, Recurring | Municipal bonds
FAIR VALUE MEASUREMENTS
Total securities available for sale	233,850,000	180,804,000
Level 2 | Fair Value, Measurements, Nonrecurring
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Residential real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Commercial Real Estate [Member]
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Commercial Business
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Consumer
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 2 | Fair Value, Measurements, Nonrecurring | Small Business Administration Loan [Member]
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	0	0
Level 3
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
SBA loan servicing rights	3,790,000	4,646,000
Loans, net	1,366,096,000	1,124,226,000
Derivative assets (included in other assets)		2,167,000
Derivative liabilities (included in other liabilities)		600,000
Level 3 | Fair Value, Measurements, Recurring
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Derivative assets (included in other assets)	158,000	2,167,000
Derivative liabilities (included in other liabilities)	396,000	600,000
Level 3 | Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected [Member]
FAIR VALUE MEASUREMENTS
Loans, net		0
Level 3 | Fair Value, Measurements, Recurring | Agency Mortgage-Backed
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 3 | Fair Value, Measurements, Recurring | Agency CMO.
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 3 | Fair Value, Measurements, Recurring | Privately-issued CMO
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 3 | Fair Value, Measurements, Recurring | Privately-issued ABS
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 3 | Fair Value, Measurements, Recurring | SBA certificates
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 3 | Fair Value, Measurements, Recurring | Municipal bonds
FAIR VALUE MEASUREMENTS
Total securities available for sale	0	0
Level 3 | Fair Value, Measurements, Nonrecurring
FAIR VALUE MEASUREMENTS
Total impaired loans	2,910,000	4,248,000
Level 3 | Fair Value, Measurements, Nonrecurring | Residential real estate
FAIR VALUE MEASUREMENTS
Total impaired loans	0	71,000
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial Real Estate [Member]
FAIR VALUE MEASUREMENTS
Total impaired loans	0	0
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial Business
FAIR VALUE MEASUREMENTS
Total impaired loans	46,000	0
Level 3 | Fair Value, Measurements, Nonrecurring | Consumer
FAIR VALUE MEASUREMENTS
Total impaired loans	0	8,000
Level 3 | Fair Value, Measurements, Nonrecurring | Small Business Administration Loan [Member]
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	$ 3,790,000	$ 1,184,000

CAPITAL REQUIREMENTS AND REST_3

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Bank's Actual Capital Amounts And Ratios) (Detail) $ in Thousands	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Consolidated
Total capital (to risk-weighted assets) Actual Amount	$ 226,283	$ 193,476
Tier I capital (to risk-weighted assets) Actual Amount	160,706	159,310
Common equity tier I capital (to risk-weighted assets) Actual Amount	160,706	159,310
Tier I capital (to average adjusted total assets) Actual Amount	$ 160,706	$ 159,310
Total capital (to risk weighted assets) Actual Ratio	0.1265	0.1428
Tier I capital (to risk-weighted assets) Actual Ratio	0.0899	0.1176
Common equity tier I capital (to risk-weighted assets) Actual Ratio	8.99%	11.76%
Tier I capital (to average adjusted total assets) Actual Ratio	0.0803	0.0973
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 143,088	$ 108,401
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	107,316	81,301
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	80,487	60,976
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 80,043	$ 65,480
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.0600	0.0600
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	0.0400	0.0400
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
Total capital (to risk-weighted assets) Actual Amount	$ 209,602	$ 183,885
Tier I capital (to risk-weighted assets) Actual Amount	194,242	169,584
Common equity tier I capital (to risk-weighted assets) Actual Amount	194,242	169,584
Tier I capital (to average adjusted total assets) Actual Amount	$ 194,242	$ 169,584
Total capital (to risk weighted assets) Actual Ratio	0.1174	0.1360
Tier I capital (to risk-weighted assets) Actual Ratio	0.1088	0.1254
Common equity tier I capital (to risk-weighted assets) Actual Ratio	10.88%	12.54%
Tier I capital (to average adjusted total assets) Actual Ratio	0.0964	0.1007
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 142,828	$ 108,156
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	107,121	81,117
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	80,341	60,838
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 80,565	$ 67,333
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.0600	0.0600
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	0.0400	0.0400
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 178,535	$ 135,195
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	142,828	108,156
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	116,048	87,877
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 100,706	$ 84,166
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.1000	0.1000
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.0800	0.0800
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	0.0500	0.0500

CAPITAL REQUIREMENTS AND REST_4

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS - Additional Information (Details) $ / shares in Units, $ in Millions			12 Months Ended
	Sep. 15, 2021 item	Aug. 16, 2021 item $ / shares shares	Sep. 30, 2022 USD ($) $ / shares	Sep. 30, 2021 $ / shares	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2015	Mar. 31, 2008 USD ($)
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Percentage of capital conservation buffer			2.50%	2.50%	2.50%	2.50%	0%
Liquidation account								$ 29.3
Common stock, par value | $ / shares		$ 0.01	$ 0.01	$ 0.01
Dividend split ratio | item	0.33	0.33
Number of shares issued as dividend for every share held under stock split | shares		2
Maximum amount to attain consolidated capital requirements			$ 3,000

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, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Basic:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders					$ 4,849	$ 4,308	$ 10,487	$ 9,923	$ 15,137	$ 15,405	$ (627)	$ 3,439	$ 16,444	$ 29,567	$ 33,354
Shares:
Weighted average common shares outstanding, basic													7,058,550	7,107,786	7,070,040
Net income (loss) per common share, basic	$ 0.35	$ 0.37	$ 0.99	$ 0.60	$ 0.68	$ 0.61	$ 1.48	$ 1.40	$ 2.13	$ 2.17	$ (0.09)	$ 0.49	$ 2.33	$ 4.16	$ 4.72
Diluted:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders													$ 16,444	$ 29,567	$ 33,354
Shares:
Weighted average common shares outstanding, basic													7,058,550	7,107,786	7,070,040
Add: Dilutive effect of outstanding options													71,240	56,176	48,540
Add: Dilutive effect of restricted stock													12,056	9,771	9,282
Weighted average common shares outstanding, as adjusted													7,141,846	7,173,733	7,127,862
Net income (loss) per common share, diluted	$ 0.35	$ 0.37	$ 0.98	$ 0.60	$ 0.67	$ 0.60	$ 1.46	$ 1.39	$ 2.12	$ 2.17	$ (0.09)	$ 0.48	$ 2.30	$ 4.12	$ 4.68

SUPPLEMENTAL DISCLOSURE FOR E_4

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE - Additional Information (Detail) - shares	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Antidilutive restricted stock awards	137,250	49,974	66,474

PARENT COMPANY CONDENSED FINA_3

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - (Balance Sheets) (Detail) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Assets:
Cash and due from banks	$ 18,312	$ 14,191
Other assets	20,691	22,438
Total Assets	2,057,662	1,721,394	$ 1,764,625
Liabilities and Equity:
Stockholders' equity	152,623	180,377
Total Liabilities and Stockholders' Equity	2,057,662	1,721,394
Reportable Legal Entities | Parent Company
Assets:
Cash and due from banks	16,940	6,870
Other assets	1,164	755
Investment in subsidiaries	185,374	193,926
Total Assets	203,478	201,551
Liabilities and Equity:
Subordinated note	50,217	19,865
Accrued expenses	638	1,309
Stockholders' equity	152,623	180,377
Total Liabilities and Stockholders' Equity	$ 203,478	$ 201,551

PARENT COMPANY CONDENSED FINA_4

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - (Statements of Income) (Detail) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Dividend income from subsidiaries													$ 729	$ 582	$ 617
Interest expense													989	1,256	1,531
Income (loss) before income taxes and equity in undistributed net income of subsidiaries	$ 2,475	$ 2,577	$ 8,654	$ 5,116	$ 5,807	$ 5,125	$ 14,182	$ 14,852	$ 23,228	$ 21,149	$ (1,876)	$ 4,241	18,822	39,966	46,742
Income tax benefit	9	(61)	1,619	811	958	817	3,695	4,527	7,257	5,540	(774)	638	2,378	9,997	12,661
Income (loss) before equity in undistributed net income of subsidiaries	$ 2,466	$ 2,638	$ 7,035	$ 4,305	$ 4,849	$ 4,308	$ 10,487	$ 10,325	$ 15,971	$ 15,609	$ (1,102)	$ 3,603	16,444	29,969	34,081
Equity in undistributed net income of subsidiaries													0	(402)	(727)
Net income													16,444	29,567	33,354
Reportable Legal Entities | Parent Company
Dividend income from subsidiaries													1,300	5,175	1,000
Interest expense													(2,111)	(1,274)	(1,274)
Other operating expenses													(1,475)	(1,076)	(1,002)
Income (loss) before income taxes and equity in undistributed net income of subsidiaries													(2,286)	2,825	(1,276)
Income tax benefit													795	504	598
Income (loss) before equity in undistributed net income of subsidiaries													(1,491)	3,329	(678)
Equity in undistributed net income of subsidiaries													17,935	26,238	34,032
Net income													$ 16,444	$ 29,567	$ 33,354

PARENT COMPANY CONDENSED FINA_5

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - (Statements of Cash Flows) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Operating Activities:
Net income	$ 16,444	$ 29,567	$ 33,354
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries	0	402	727
Stock compensation expense	688	277	279
Net change in other assets and liabilities	602	7,077	(7,314)
Net cash provided by (used in) operating activities	148,812	114,893	(139,689)
Investing Activities:
Net cash used in investing activities	(506,229)	(55,877)	(339,433)
Financing Activities:
Net proceeds from subordinated debt	30,258
Exercise of stock options		27	148
Tax paid on stock award shares for employees	48	41	53
Purchase of treasury stock	(4,745)
Net cash provided by (used in) financing activities	365,654	(59,314)	471,416
Net increase (decrease) in cash and due from banks	8,237	(298)	(7,706)
Cash and due from banks at beginning of year	33,428
Cash and due from banks at end of year	41,665	33,428
Reportable Legal Entities | Parent Company
Operating Activities:
Net income	16,444	29,567	33,354
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries	(17,935)	(26,238)	(34,032)
Stock compensation expense	688	277	279
Net change in other assets and liabilities	(93)	201	182
Net cash provided by (used in) operating activities	(896)	3,807	(217)
Investing Activities:
Investment in bank subsidiary	(10,000)	0	0
Net cash used in investing activities	(10,000)	0	0
Financing Activities:
Net proceeds from subordinated debt	30,258	0	0
Exercise of stock options	0	27	148
Tax paid on stock award shares for employees	(48)	(41)	(53)
Purchase of treasury stock	(4,745)	0	0
Dividends paid	(4,499)	(1,685)	(1,590)
Net cash provided by (used in) financing activities	20,966	(1,699)	(1,495)
Net increase (decrease) in cash and due from banks	10,070	2,108	(1,712)
Cash and due from banks at beginning of year	6,870	4,762	6,474
Cash and due from banks at end of year	$ 16,940	$ 6,870	$ 4,762

CONCENTRATION OF CREDIT RISK (D

CONCENTRATION OF CREDIT RISK (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
CONCENTRATION OF CREDIT RISK
Concentration of credit risk with correspondent banks in excess of the federal deposit insurance limit	$ 13.4	$ 9.5

SUPPLEMENTAL DISCLOSURE OF CA_3

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Cash payments for:
Interest	$ 9,301	$ 8,517	$ 10,817
Income taxes (net of refunds received)	(3,226)	9,051	3,971
Non-cash activities:
Net transfers from loans to loans held for sale		41,703	15,916
Net transfers from loans held for sale to loans	13,139
Transfers from loans to OREO		426	426
Cashless exercise of stock options	39	$ 77	$ 249
Transfers from OREO to premises and equipment	$ 721

SELECTED QUARTERLY FINANCIAL _3

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
Interest income	$ 20,956	$ 18,479	$ 15,801	$ 15,762	$ 16,243	$ 16,150	$ 16,840	$ 16,026	$ 15,765	$ 14,719	$ 13,554	$ 13,661	$ 70,998	$ 65,259	$ 57,699
Interest expense	4,131	2,568	1,788	1,859	1,819	1,921	2,060	2,287	2,337	2,543	2,783	2,875	10,346	8,087	10,538
Net interest income	16,825	15,911	14,013	13,903	14,424	14,229	14,780	13,739	13,428	12,176	10,771	10,786	60,652	57,172	47,161
Provision (credit) for loan losses	880	532	(30)	526	8	(2,730)	287	668	2,772	2,980	1,705	505	1,908	(1,767)	7,962
Net interest income after provision (credit) for loan losses	15,945	15,379	14,043	13,377	14,416	16,959	14,493	13,071	10,656	9,196	9,066	10,281	58,744	58,939	39,199
Noninterest income	4,531	10,033	20,072	16,591	16,495	18,785	38,973	46,183	57,024	46,962	11,133	18,232	51,227	120,436	133,351
Noninterest expenses	18,001	22,835	25,461	24,852	25,104	30,619	39,284	44,402	44,452	35,009	22,075	24,272	91,149	139,409	125,808
Income before income taxes	2,475	2,577	8,654	5,116	5,807	5,125	14,182	14,852	23,228	21,149	(1,876)	4,241	18,822	39,966	46,742
Income tax benefit	9	(61)	1,619	811	958	817	3,695	4,527	7,257	5,540	(774)	638	2,378	9,997	12,661
Net Income	$ 2,466	$ 2,638	$ 7,035	$ 4,305	4,849	4,308	10,487	10,325	15,971	15,609	(1,102)	3,603	16,444	29,969	34,081
Net income (loss) attributable to noncontrolling interest in subsidiary								402	834	204	475	164
Net income (loss) attributable to First Savings Financial Group, Inc.					$ 4,849	$ 4,308	$ 10,487	$ 9,923	$ 15,137	$ 15,405	$ (627)	$ 3,439	$ 16,444	$ 29,567	$ 33,354
Net income (loss) per common share, basic	$ 0.35	$ 0.37	$ 0.99	$ 0.60	$ 0.68	$ 0.61	$ 1.48	$ 1.40	$ 2.13	$ 2.17	$ (0.09)	$ 0.49	$ 2.33	$ 4.16	$ 4.72
Net income (loss) per common share, diluted	$ 0.35	$ 0.37	$ 0.98	$ 0.60	$ 0.67	$ 0.60	$ 1.46	$ 1.39	$ 2.12	$ 2.17	$ (0.09)	$ 0.48	$ 2.30	$ 4.12	$ 4.68

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Sep. 30, 2020 USD ($)	Jun. 30, 2020 USD ($)	Mar. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)	Sep. 30, 2022 USD ($) segment	Sep. 30, 2021 USD ($)	Sep. 30, 2020 USD ($)
SEGMENT REPORTING
Number of operating segments | segment													3
Net interest income (loss)	$ 16,825	$ 15,911	$ 14,013	$ 13,903	$ 14,424	$ 14,229	$ 14,780	$ 13,739	$ 13,428	$ 12,176	$ 10,771	$ 10,786	$ 60,652	$ 57,172	$ 47,161
Provision for loan losses													1,908	(1,767)	7,962
Net interest income (loss) after provision	15,945	15,379	14,043	13,377	14,416	16,959	14,493	13,071	10,656	9,196	9,066	10,281	58,744	58,939	39,199
Net gains on sales of loans, SBA													3,698	8,740	5,673
Mortgage banking income (loss)													38,337	104,504	120,733
Noninterest income	4,531	10,033	20,072	16,591	16,495	18,785	38,973	46,183	57,024	46,962	11,133	18,232	51,227	120,436	133,351
Noninterest expense (income)	18,001	22,835	25,461	24,852	25,104	30,619	39,284	44,402	44,452	35,009	22,075	24,272	91,149	139,409	125,808
Income (loss) before taxes	2,475	2,577	8,654	5,116	5,807	5,125	14,182	14,852	23,228	21,149	(1,876)	4,241	18,822	39,966	46,742
Income tax benefit	9	(61)	1,619	811	958	817	3,695	4,527	7,257	5,540	(774)	638	2,378	9,997	12,661
Income (loss) before equity in undistributed net income of subsidiaries	2,466	$ 2,638	$ 7,035	$ 4,305	4,849	$ 4,308	$ 10,487	$ 10,325	15,971	$ 15,609	$ (1,102)	$ 3,603	16,444	29,969	34,081
Non-cash items:
Depreciation and amortization													2,448	2,300	1,858
Segment assets	2,057,662				1,721,394				1,764,625				2,057,662	1,721,394	1,764,625
Core Banking
SEGMENT REPORTING
Net interest income (loss)													54,252	46,122	39,408
Provision for loan losses													1,295	(1,782)	4,636
Net interest income (loss) after provision													52,957	47,904	34,772
Mortgage banking income (loss)													(2)	4	8
Noninterest income													8,292	6,331	5,905
Noninterest expense (income)													38,821	35,636	29,772
Income (loss) before taxes													22,428	18,599	10,905
Income tax benefit													3,377	2,935	2,265
Income (loss) before equity in undistributed net income of subsidiaries													19,051	15,664	8,640
Non-cash items:
Depreciation and amortization													2,109	1,953	1,558
Segment assets	1,935,896				1,469,371				1,459,467				1,935,896	1,469,371	1,459,467
SBA Lending
SEGMENT REPORTING
Net interest income (loss)													6,108	10,339	5,911
Provision for loan losses													613	15	3,326
Net interest income (loss) after provision													5,495	10,324	2,585
Net gains on sales of loans, SBA													3,698	8,740	5,673
Noninterest income													4,623	9,661	6,751
Noninterest expense (income)													8,721	9,374	7,853
Income (loss) before taxes													1,397	10,611	1,483
Income tax benefit													408	2,512	189
Income (loss) before equity in undistributed net income of subsidiaries													989	8,099	1,294
Non-cash items:
Depreciation and amortization													30	42	51
Segment assets	105,342				168,342				283,994				105,342	168,342	283,994
Mortgage Banking
SEGMENT REPORTING
Net interest income (loss)													2,360	1,940	3,046
Net interest income (loss) after provision													2,360	1,940	3,046
Mortgage banking income (loss)													38,339	104,500	120,725
Noninterest income													38,312	104,444	120,695
Noninterest expense (income)													43,962	94,768	88,573
Income (loss) before taxes													(3,290)	11,616	35,168
Income tax benefit													(618)	5,047	10,793
Income (loss) before equity in undistributed net income of subsidiaries													(2,672)	6,569	24,375
Non-cash items:
Depreciation and amortization													162	237	181
Segment assets	107,570				232,279				293,973				107,570	232,279	293,973
Other
SEGMENT REPORTING
Net interest income (loss)													(2,068)	(1,229)	(1,204)
Net interest income (loss) after provision													(2,068)	(1,229)	(1,204)
Noninterest expense (income)													(355)	(369)	(390)
Income (loss) before taxes													(1,713)	(860)	(814)
Income tax benefit													(789)	(497)	(586)
Income (loss) before equity in undistributed net income of subsidiaries													(924)	(363)	(228)
Non-cash items:
Depreciation and amortization													147	68	68
Segment assets	$ (91,146)				$ (148,598)				$ (272,809)				$ (91,146)	$ (148,598)	$ (272,809)

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, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													$ 5,444	$ 4,559	$ 4,086
Gain on sale of securities													476		7
Gain on sale of SBA loans													3,698	8,740	5,673
Gain on sale of single tenant net lease loans													719
Mortgage banking income													38,337	104,504	120,733
Increase in cash value of life insurance													993	785	732
Real estate lease income													571	592	589
Other													989	1,256	1,531
Other noninterest income													45,783	115,877	129,265
Total noninterest income	$ 4,531	$ 10,033	$ 20,072	$ 16,591	$ 16,495	$ 18,785	$ 38,973	$ 46,183	$ 57,024	$ 46,962	$ 11,133	$ 18,232	51,227	120,436	133,351
Service charges on deposit accounts
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													1,864	1,468	1,581
ATM and interchange fees
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													2,753	2,399	2,116
Investment Advisory Income
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													717	589	288
Other
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													$ 110	$ 103	$ 101

MORTGAGE BANKING INCOME (Detail

MORTGAGE BANKING INCOME (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
MORTGAGE BANKING INCOME
Origination and sale of mortgage loans	$ (674)	$ 83,874	$ 105,659
Mortgage brokerage income	762	1,500
Net change in fair value of loans held for sale and interest rate lock commitments	(4,206)	(18,856)	16,680
Realized and unrealized hedging gains (losses)	20,398	4,140	(22,412)
Capitalized residential mortgage loan servicing rights	11,161	36,679	24,058
Net change in fair value of residential mortgage loan servicing rights	2,523	(8,803)	(3,289)
Net loan servicing income	9,045	6,565	651
Provisions for loan repurchases and indemnifications	(672)	(595)	(614)
Total mortgage banking income	$ 38,337	$ 104,504	$ 120,733