First Savings Financial (FSFG) 10-Q 9 Feb 23 2022 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Dec. 31, 2022	Feb. 02, 2023
Document And Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 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
Entity Address, Address Line Two	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, $0.01 par value per share
Trading Symbol	FSFG
Security Exchange Name	NASDAQ
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
Entity Common Stock, Shares Outstanding		6,917,921
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Entity Central Index Key	0001435508
Amendment Flag	false

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
ASSETS
Cash and due from banks	$ 25,226	$ 18,312
Interest-bearing deposits with banks	13,052	23,353
Total cash and cash equivalents	38,278	41,665
Interest-bearing time deposits	1,854	1,613
Total securities available for sale	329,163	316,517
Securities held to maturity	1,520	1,558
Loans held for sale, residential mortgage, at fair value	20,675	38,579
Loans held for sale, Small Business Administration	23,606	21,883
Loans, net of allowance for loan losses of $16,080 at December 31, 2022 and $15,360 at September 30, 2022	1,582,940	1,474,544
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	21,564	20,004
Premises and equipment, net	27,297	27,100
Other real estate owned, held for sale	203	203
Accrued interest receivable:
Loans	6,346	5,379
Securities	4,090	2,953
Cash surrender value of life insurance	45,370	45,145
Goodwill	9,848	9,848
Core deposit intangibles	721	775
Residential mortgage loan servicing rights, at fair value	62,165	63,263
Nonresidential mortgage loan servicing rights	132	141
SBA loan servicing rights	3,301	3,790
Other assets	17,846	18,765
Total Assets	2,196,919	2,093,725
Deposits:
Noninterest-bearing	315,390	340,172
Interest-bearing	1,222,451	1,175,662
Total deposits	1,537,841	1,515,834
Federal Home Loan Bank borrowings	377,643	307,303
Other borrowings	95,458	88,206
Accrued interest payable	1,984	1,302
Advance payments by borrowers for taxes and insurance	695	1,207
Accrued expenses and other liabilities	23,154	28,308
Total Liabilities	2,036,775	1,942,160
STOCKHOLDERS' 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 7,779,271 shares (7,757,271 at September 30, 2022); outstanding 6,917,921 shares (6,970,631 shares at September 30, 2022)	78	78
Additional paid-in capital	27,347	26,770
Retained earnings - substantially restricted	163,890	161,927
Accumulated other comprehensive loss	(19,000)	(27,079)
Unearned stock compensation	(1,361)	(969)
Less treasury stock, at cost - 861,350 shares (786,640 shares at September 30, 2022)	(10,810)	(9,162)
Total Stockholders' Equity	160,144	151,565
Total Liabilities and Stockholders' Equity	$ 2,196,919	$ 2,093,725

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) $ in Thousands	Dec. 31, 2022 USD ($) $ / shares shares	Sep. 30, 2022 USD ($) $ / shares shares
CONDENSED CONSOLIDATED BALANCE SHEETS
Loans, net of allowance for loan losses | $	$ 16,080	$ 15,360
Preferred stock, par value | $ / shares	$ 0.01	$ 0.01
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Common stock, par value | $ / shares	$ 0.01	$ 0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	7,779,271	7,757,271
Common stock, shares outstanding	6,917,921	6,970,631
Treasury stock, shares	861,350	786,640

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
INTEREST INCOME
Loans, including fees	$ 20,185	$ 14,002
Securities:
Taxable	955	405
Tax-exempt	1,979	1,192
Dividend income	220	149
Interest-bearing deposits with banks	144	14
Total interest income	23,483	15,762
INTEREST EXPENSE
Deposits	4,158	811
Federal Home Loan Bank borrowings	1,919	730
Other borrowings	1,145	318
Total interest expense	7,222	1,859
Net interest income	16,261	13,903
Provision for loan losses	984	526
Net interest income after provision for loan losses	15,277	13,377
NONINTEREST INCOME
Service charges on deposit accounts	558	434
ATM and interchange fees	739	679
Net unrealized gain on equity securities	14	16
Other than temporary impairment loss on securities	(28)
Net gain on sales of loans, Small Business Administration	775	1,636
Net gain on sales of loans, single tenant net lease		162
Mortgage banking income	2,496	12,744
Increase in cash surrender value of life insurance	225	254
Commission income	128	188
Real estate lease income	117	148
Income from tax credit investment		10
Other income	164	320
Total noninterest income	5,188	16,591
NONINTEREST EXPENSE
Compensation and benefits	10,685	17,291
Occupancy and equipment	1,860	2,113
Data processing	777	633
Advertising	418	792
Professional fees	793	1,189
FDIC insurance premiums	308	115
Other operating expenses	2,670	2,719
Total noninterest expense	17,511	24,852
Income before income taxes	2,954	5,116
Income tax expense	83	811
Net Income	$ 2,871	$ 4,305
Net income per share:
Basic	$ 0.42	$ 0.60
Diluted	$ 0.41	$ 0.60
Weighted average shares outstanding:
Basic	6,915,909	7,116,790
Diluted	6,972,055	7,207,210
Dividends per share	$ 0.13	$ 0.12

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (Parenthetical)	Sep. 15, 2021
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
Stock split ratio	0.33

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Net Income	$ 2,871	$ 4,305
Unrealized gains on securities available for sale:
Unrealized holding gains arising during the period	10,199	404
Income tax expense	(2,142)	(85)
Net of tax amount	8,057	319
Less: reclassification adjustment for other-than-temporary impairment loss on securities included in net income	28
Income tax benefit	(6)
Net of tax amount	22
Other Comprehensive Income	8,079	319
Comprehensive Income	$ 10,950	$ 4,624

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income/(Loss)	Unearned Stock Compensation	Treasury Stock	Total
Balances at Sep. 30, 2021	$ 78	$ 25,721	$ 150,185	$ 8,900	$ (138)	$ (4,369)	$ 180,377
Net income			4,305				4,305
Other comprehensive income				319			319
Common stock dividends			(860)				(860)
Restricted stock grants		1,222			(1,222)
Stock compensation expense	0	52			75		127
Purchase of treasury shares						(48)	(48)
Balances at Dec. 31, 2021	78	26,995	153,630	9,219	(1,285)	(4,417)	184,220
Balances at Sep. 30, 2022	78	26,770	161,927	(27,079)	(969)	(9,162)	151,565
Net income			2,871				2,871
Other comprehensive income				8,079			8,079
Common stock dividends			(908)				(908)
Restricted stock grants		495			(495)
Stock compensation expense	0	82			103		185
Purchase of treasury shares						(1,648)	(1,648)
Balances at Dec. 31, 2022	$ 78	$ 27,347	$ 163,890	$ (19,000)	$ (1,361)	$ (10,810)	$ 160,144

CONDENSED CONSOLIDATED STATEM_5

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)	3 Months Ended
	Dec. 31, 2022 $ / shares shares	Dec. 31, 2021 $ / shares shares
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Common stock dividends - per share | $ / shares	$ 0.13	$ 0.12
Restricted stock grants - shares	22,000	45,750
Purchase of treasury shares	74,710	1,812

CONDENSED CONSOLIDATED STATEM_6

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,871	$ 4,305
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for loan losses	984	526
Depreciation and amortization	633	606
Amortization of premiums and accretion of discounts on securities, net	184	233
Amortization and accretion of fair value adjustments on loans, net	(374)	(408)
Loans originated for sale	(90,390)	(561,427)
Proceeds on sales of loans	107,337	610,090
Net realized and unrealized gain on loans held for sale	(419)	(2,224)
Capitalization of loan servicing rights	(340)	(4,850)
Net change in value of loan servicing rights	1,936	(311)
Other than temporary impairment loss on securities	28
Increase in cash surrender value of life insurance	(225)	(254)
Net gain on equity securities	(14)	(16)
Income from tax credit investment		(10)
Deferred income taxes	(1,532)	1,261
Stock compensation expense	185	127
Increase in accrued interest receivable	(2,104)	(594)
Increase (decrease) in accrued interest payable	682	(7)
Change in other assets and liabilities, net	(2,683)	(6,282)
Net Cash Provided by Operating Activities	16,759	40,765
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits	(490)
Proceeds from maturities of interest-bearing time deposits	245	245
Purchase of securities available for sale	(6,073)	(15,720)
Proceeds from maturities of securities available for sale	1,923	2,022
Proceeds from maturities of securities held to maturity	35	30
Principal collected on securities available for sale	1,525	1,435
Net increase in loans	(109,441)	(67,075)
Proceeds from redemption of Federal Reserve Bank and Federal Home Loan Bank stock	15
Purchase of Federal Reserve Bank and Federal Home Loan Bank stock	(1,575)
Proceeds from life insurance		575
Purchase of premises and equipment	(719)	(71)
Investment in partnership interests	(2,035)	(240)
Net Cash Used In Investing Activities	(116,590)	(78,799)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	22,007	39,455
Net increase in Federal Home Loan Bank line of credit	5,340	8,377
Proceeds from Federal Home Loan Bank advances	1,570,000	75,000
Repayment of Federal Home Loan Bank advances	(1,505,000)	(75,000)
Net increase in other borrowings	7,195
Net decrease in advance payments by borrowers for taxes and insurance	(512)	(871)
Taxes paid on stock award shares for employees	(30)	(48)
Purchase of treasury shares	(1,648)
Dividends paid on common stock	(908)	(1,715)
Net Cash Provided By Financing Activities	96,444	45,198
Net Increase (Decrease) in Cash and Cash Equivalents	(3,387)	7,164
Cash and cash equivalents at beginning of period	41,665	33,428
Cash and Cash Equivalents at End of Period	$ 38,278	$ 40,592

Presentation of Interim Informa

Presentation of Interim Information	3 Months Ended
	Dec. 31, 2022
Presentation of Interim Information
Presentation of Interim Information	1. Presentation of Interim Information 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 commercial mortgage, residential mortgage, construction, commercial business and consumer loans, and to a lesser extent, to invest in mortgage-backed securities, municipal bonds and other investment securities. The Bank has three wholly-owned subsidiaries: Q2 Business Captial, LLC(“Q2”), an Indiana limited liability company that specializes in the origination and servicing of U.S. Small Business Administration (“SBA”) loans, First Savings Investments, Inc., a Nevada corporation that manages a securities portfolio, and Southern Indiana Financial Corporation, which is currently inactive. 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. In the opinion of management, the accompanying unaudited condensed consolidated financial statements include all adjustments considered necessary to present fairly the financial position as of December 31, 2022, the results of operations for the three- month periods ended December 31, 2022 and 2021, and the cash flows for the three-month periods ended December 31, 2022 and 2021. All of these adjustments are of a normal, recurring nature. Such adjustments are the only adjustments included in the unaudited condensed consolidated financial statements. Interim results are not necessarily indicative of results for a full year. The unaudited condensed consolidated financial statements and notes have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial statements, conform to general practices within the banking industry and are presented as permitted by the instructions to Form 10-Q. Accordingly, they do not contain certain information included in the Company’s audited consolidated financial statements and related notes for the year ended September 30, 2022 included in the Company’s Annual Report on Form 10-K/A. The unaudited condensed consolidated financial statements include the accounts of the Company and its subsidiaries. All material intercompany balances and transactions have been eliminated in consolidation. ​ Loans and Allowance for Loan Losses Loans Held for Investment Loans are stated at unpaid principal balances, less net deferred loan fees and the allowance for loan losses. Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of deferred loan fees is discontinued when a loan is placed on nonaccrual status. Nonaccrual Loans The recognition of income on a loan is discontinued and previously accrued interest is reversed when interest or principal payments become 90 days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income on nonaccrual loans is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss is considered remote. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. ​ Loan Charge-Offs For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs of loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 45 days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon when the carrying value of the loan exceeds the property’s fair value, less estimated costs to sell. ​ Allowance for Loan Losses The allowance for loan losses reflects management’s judgment of probable incurred loan losses at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company evaluates the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment. A specific reserve is established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan is lower than the carrying value of that loan. The general component covers loans not considered to be impaired. Such loans are pooled by segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 60-month period with the exception of the SBA loan portfolio which uses lookback periods of 24 ​ 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 December 31, 2022, the Company’s allowance for loan losses totaled $16.1 million, of which $14.1 million related to qualitative factor adjustments. 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. 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. 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 three-month period ended December 31, 2022. ​ 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.

Investment Securities

Investment Securities	3 Months Ended
	Dec. 31, 2022
Investment Securities
Investment Securities	2. Investment Securities U.S. agency bonds and notes, agency mortgage-backed securities and agency collateralized mortgage obligations (“CMO”) include treasury notes issued by the U.S. government; securities issued by the Government National Mortgage Association (“GNMA”), a U.S. government agency; and securities issued by the Federal National Mortgage Association (“FNMA”), the Federal Home Loan Mortgage Corporation (“FHLMC”) and the Federal Home Loan Bank (“FHLB”), which are U.S. government sponsored enterprises. The Company holds municipal bonds issued by municipal governments within the U.S. The Company also holds pass-through asset-backed securities guaranteed by the SBA representing participating interests in pools of long term debentures issued by state and local development companies certified by the SBA. Privately issued CMO and asset-backed securities (“ABS”) are complex securities issued by non-government special purpose entities that are collateralized by residential mortgage loans and residential home equity loans. 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 ​ Cost Gain Losses Value ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ 31,327 ​ $ — ​ $ 3,419 ​ $ 27,908 Agency mortgage-backed ​ ​ 30,139 ​ ​ 3 ​ ​ 2,981 ​ ​ 27,161 Agency CMO ​ 14,924 ​ — ​ 1,004 ​ 13,920 Privately-issued CMO ​ 457 ​ 3 ​ 31 ​ 429 Privately-issued ABS ​ 519 ​ 16 ​ 8 ​ 527 SBA certificates ​ 12,094 ​ — ​ 306 ​ 11,788 Municipal bonds ​ 263,754 ​ 917 ​ 17,241 ​ 247,430 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 353,214 ​ $ 939 ​ $ 24,990 ​ $ 329,163 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 42 ​ $ — ​ $ — ​ $ 42 Municipal bonds ​ 1,478 ​ 28 ​ — ​ 1,506 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 1,520 ​ $ 28 ​ $ — ​ $ 1,548 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gain Losses Value ​ ​ (In thousands) September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and 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 ​ The amortized cost and fair value of investment securities as of December 31, 2022 by contractual maturity are shown below. CMO, ABS, SBA certificates, and mortgage-backed securities which do not have a single maturity date are shown separately. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair ​ Cost Value Cost Value ​ ​ (In thousands) Due within one year ​ $ 11,725 ​ $ 11,694 ​ $ 249 ​ $ 252 Due after one year through five years ​ 23,467 ​ 23,408 ​ 755 ​ 769 Due after five years through ten years ​ 70,249 ​ 66,736 ​ 474 ​ 485 Due after ten years ​ 189,640 ​ 173,500 ​ — ​ — CMO ​ 15,381 ​ 14,349 ​ — ​ — ABS ​ 519 ​ 527 ​ — ​ — SBA certificates ​ 12,094 ​ 11,788 ​ — ​ — Mortgage-backed securities ​ 30,139 ​ 27,161 ​ 42 ​ 42 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 353,214 ​ $ 329,163 ​ $ 1,520 ​ $ 1,548 ​ Information pertaining to investment securities with gross unrealized losses at December 31, 2022 and September 30, 2022, aggregated by investment category and the length of time that individual securities have been in a continuous loss position, follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized ​ Positions Value Losses ​ ​ (Dollars in thousands) December 31, 2022: ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and notes ​ 8 ​ $ 27,668 ​ $ 3,419 Agency mortgage-backed ​ 12 ​ ​ 23,650 ​ ​ 2,236 Agency CMO ​ 11 ​ ​ 11,709 ​ ​ 626 Privately-issued CMO ​ 1 ​ ​ 405 ​ ​ 31 SBA certificates ​ 2 ​ ​ 10,749 ​ ​ 285 Municipal bonds 201 ​ ​ 159,011 ​ ​ 15,620 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 235 ​ 233,192 ​ 22,217 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ Agency mortgage-backed ​ 1 ​ ​ 3,056 ​ ​ 745 Agency CMO ​ 4 ​ ​ 2,211 ​ ​ 378 Privately-issued ABS ​ 1 ​ ​ 262 ​ ​ 8 SBA certificates 2 ​ 1,039 ​ 21 Municipal bonds 9 ​ 6,830 ​ 1,621 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 17 ​ 13,398 ​ 2,773 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale 252 ​ $ 246,590 ​ $ 24,990 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ U.S. Treasury bills and 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 ​ At December 31, 2022 and September 30, 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 conditions 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 December 31, 2022, which consisted of U.S. Treasury bills and notes, agency mortgage-backed securities, agency CMOs, privately-issued CMOs, privately-issued ABS, municipal bonds and SBA certificates, had a fair value as a percentage of amortized cost of 90.0%. The municipal securities are issued by municipal governments, and are generally secured by municipal project revenues or general obligations of the municipality. 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 December 31, 2022, the Company held four privately-issued CMO and ABS securities, acquired in a 2009 bank merger, with an aggregate amortized cost of $345,000 and fair value of $341,000 that have been downgraded to a substandard regulatory classification due to the security’s credit quality rating by various rating agencies. At December 31, 2022, five privately-issued CMO securities and one privately-issued ABS were in a loss position, and had depreciated approximately 5.52% from the Company’s carrying value and were collateralized by residential mortgage loans. These securities had a total fair value of $667,000 and a total unrealized loss of $39,000 at December 31, 2022. Based on the independent third party analysis of the expected cash flows, management determined that $28,000 of other-than-temporary impairment was required to be recognized on the privately issued CMO and ABS portfolios at December 31, 2022. While the Company does not anticipate additional credit-related impairment losses at December 31, 2022, additional deterioration in market and economic conditions may have an adverse impact on the credit quality of the portfolio, and therefore, require a credit related impairment charge in the future. The unrealized losses on U.S. Treasury bills and notes, agency mortgage-backed securities, agency 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. During the three-month periods ended December 31, 2022 and 2021, the Company did not realize any gross gains or losses on sales of available for sale securities. At December 31, 2022 and September 30, 2022, available for sale debt securities with a total fair value of $57.6 million and $58.6 million, respectively, were pledged to secure FHLB borrowings.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	3 Months Ended
	Dec. 31, 2022
Loans and Allowance for Loan Losses
Loans and Allowance for Loan Losses	3. Loans and Allowance for Loan Losses Loans at December 31, 2022 and September 30, 2022 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, September 30, ​ ​ 2022 ​ 2022 ​ ​ ​ (In thousands) Real estate mortgage: ​ ​ 1-4 family residential ​ $ 413,015 ​ $ 368,211 Commercial ​ 178,770 ​ 169,861 Single tenant net lease ​ ​ 733,134 ​ ​ 674,567 SBA (1) ​ ​ 52,917 ​ ​ 59,379 Multifamily residential ​ 32,489 ​ 32,411 Residential construction ​ 21,224 ​ 18,261 Commercial construction ​ 4,612 ​ 5,938 Land and land development ​ 11,054 ​ 11,880 Commercial business ​ 92,025 ​ 90,010 SBA commercial business (1)(2) ​ ​ 20,353 ​ ​ 20,282 Consumer ​ ​ 38,367 ​ ​ 38,052 Total loans ​ 1,597,960 ​ 1,488,852 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net (3) ​ 1,060 ​ 1,052 Allowance for loan losses ​ (16,080) ​ (15,360) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,582,940 ​ $ 1,474,544 (1) Includes discounts on SBA loans of $4.1 $4.3 (2) Includes $591,000 and $650,000 of loans originated under the SBA’s Paycheck Protection Program (“PPP”) at December 31, 2022 and September 30, 2022, respectively. (3) Includes $10,000 and $11,000 of net deferred loan fees related to PPP loans as of December 31, 2022 and September 30, 2022, respectively. During the three-month period ended December 31, 2022, there were no significant changes in the Company’s lending activities or the methodology used to estimate the allowance for loan losses as disclosed in the Company’s Annual Report on Form 10-K/A for the year ended September 30, 2022. At December 31, 2022 and September 30, 2022, the Company did not own any residential real estate properties where physical possession has been obtained. At December 31, 2022 and September 30, 2022, the recorded investment in consumer mortgage loans collateralized by residential real estate properties in the process of foreclosure was $206,000 and $204,000, respectively. The following table provides the components of the recorded investment in loans as of December 31, 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 ​ $ 413,015 ​ $ 2,035 ​ $ 143 ​ $ 415,193 Commercial real estate ​ 178,770 ​ 572 ​ (328) ​ 179,014 Single tenant net lease ​ 733,134 ​ 2,188 ​ 108 ​ 735,430 SBA commercial real estate ​ ​ 52,917 ​ ​ 672 ​ ​ 1,048 ​ ​ 54,637 Multifamily ​ 32,489 ​ 64 ​ (39) ​ 32,514 Residential construction ​ ​ 21,224 ​ ​ 45 ​ ​ (89) ​ ​ 21,180 Commercial construction ​ ​ 4,612 ​ ​ 12 ​ ​ (28) ​ ​ 4,596 Land and land development ​ ​ 11,054 ​ ​ 24 ​ ​ (11) ​ ​ 11,067 Commercial business ​ ​ 92,025 ​ ​ 374 ​ ​ 30 ​ ​ 92,429 SBA commercial business ​ 20,353 ​ 212 ​ 246 ​ 20,811 Consumer ​ ​ 38,367 ​ ​ 148 ​ ​ (20) ​ ​ 38,495 ​ ​ $ 1,597,960 ​ $ 6,346 ​ $ 1,060 ​ $ 1,605,366 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 2,967 ​ $ 412,226 ​ $ 415,193 Commercial real estate ​ ​ 881 ​ ​ 178,133 ​ ​ 179,014 Single tenant net lease ​ ​ — ​ ​ 735,430 ​ ​ 735,430 SBA commercial real estate ​ ​ 7,445 ​ ​ 47,192 ​ ​ 54,637 Multifamily ​ ​ 346 ​ ​ 32,168 ​ ​ 32,514 Residential construction ​ ​ — ​ ​ 21,180 ​ ​ 21,180 Commercial construction ​ ​ — ​ ​ 4,596 ​ ​ 4,596 Land and land development ​ ​ — ​ ​ 11,067 ​ ​ 11,067 Commercial business ​ ​ 904 ​ ​ 91,525 ​ ​ 92,429 SBA commercial business ​ ​ 1,249 ​ ​ 19,562 ​ ​ 20,811 Consumer ​ ​ 311 ​ ​ 38,184 ​ ​ 38,495 ​ ​ $ 14,103 ​ $ 1,591,263 ​ $ 1,605,366 ​ The following table provides the components of the recorded investment in loans as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 368,211 ​ $ 1,701 ​ $ 136 ​ $ 370,048 Commercial real estate ​ ​ 169,861 ​ ​ 533 ​ ​ (304) ​ ​ 170,090 Single tenant net lease ​ 674,567 ​ 1,979 ​ 47 ​ 676,593 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 ​ ​ $ 1,488,852 ​ $ 5,379 ​ $ 1,052 ​ $ 1,495,283 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ ​ — ​ ​ 676,593 ​ ​ 676,593 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 ​ ​ 19,572 ​ ​ 20,663 Consumer ​ ​ 238 ​ ​ 37,914 ​ ​ 38,152 ​ ​ $ 13,570 ​ $ 1,481,713 ​ $ 1,495,283 ​ The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of December 31, 2022 and September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ — $ 3,100 $ 3,100 Commercial real estate ​ ​ — ​ ​ 1,751 ​ ​ 1,751 Single tenant net lease ​ ​ — ​ ​ 3,804 ​ ​ 3,804 SBA commercial real estate ​ 83 ​ 2,315 ​ 2,398 Multifamily ​ ​ — ​ ​ 252 ​ ​ 252 Residential construction ​ ​ — ​ ​ 367 ​ ​ 367 Commercial construction ​ ​ — ​ ​ 83 ​ ​ 83 Land and land development ​ ​ — ​ ​ 200 ​ ​ 200 Commercial business ​ ​ 28 ​ ​ 1,227 ​ ​ 1,255 SBA commercial business ​ ​ 714 ​ ​ 1,624 ​ ​ 2,338 Consumer ​ ​ — ​ ​ 532 ​ ​ 532 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 825 ​ $ 15,255 ​ $ 16,080 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 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 ​ The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Balance Provisions (Credits) Charge-Offs Recoveries Ending Balance ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ 382 ​ $ — ​ $ 2 ​ $ 3,100 Commercial real estate ​ 1,590 ​ 161 ​ — ​ — ​ 1,751 Single tenant net lease ​ 3,838 ​ (34) ​ — ​ — ​ 3,804 SBA commercial real estate ​ 2,578 ​ (106) ​ (74) ​ — ​ 2,398 Multifamily ​ 251 ​ 1 ​ — ​ — ​ 252 Residential construction ​ 305 ​ 62 ​ — ​ — ​ 367 Commercial construction ​ 107 ​ (24) ​ — ​ — ​ 83 Land and land development ​ 212 ​ (12) ​ — ​ — ​ 200 Commercial business ​ 1,193 ​ 32 ​ — ​ 30 ​ 1,255 SBA commercial business ​ 2,122 ​ 390 ​ (190) ​ 16 ​ 2,338 Consumer ​ 448 ​ 132 ​ (65) ​ 17 ​ 532 ​ ​ $ 15,360 ​ $ 984 ​ $ (329) ​ $ 65 ​ $ 16,080 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ (82) ​ $ (23) ​ $ 3 ​ $ 1,336 Commercial real estate ​ 2,806 ​ (295) ​ — ​ — ​ 2,511 Single tenant net lease ​ 2,422 ​ 345 ​ — ​ — ​ 2,767 SBA commercial real estate ​ 3,475 ​ 267 ​ (20) ​ — ​ 3,722 Multifamily ​ 518 ​ (77) ​ — ​ — ​ 441 Residential construction ​ 191 ​ 18 ​ — ​ — ​ 209 Commercial construction ​ 63 ​ 17 ​ — ​ — ​ 80 Land and land development ​ 235 ​ (14) ​ — ​ — ​ 221 Commercial business ​ 1,284 ​ (44) ​ — ​ — ​ 1,240 SBA commercial business ​ 1,346 ​ 401 ​ — ​ 22 ​ 1,769 Consumer ​ 523 ​ (10) ​ (38) ​ 9 ​ 484 ​ ​ $ 14,301 ​ $ 526 ​ $ (81) ​ $ 34 ​ $ 14,780 ​ The following table presents impaired loans individually evaluated for impairment as of December 31, 2022 and for the three months ended December 31, 2022 and 2021. The Company did not recognize any interest income on impaired loans using the cash receipts method during the three-month periods ended December 31, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ Three Months Ended December 31, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2022 ​ 2021 ​ 2021 ​ ​ ​ Unpaid ​ ​ Average Interest Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ Recorded ​ Income ​ ​ Investment ​ Balance ​ Allowance ​ Investment ​ Recognized ​ Investment ​ Recognized ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,967 ​ $ 3,257 ​ $ — ​ $ 2,891 ​ $ 15 ​ $ 3,444 ​ $ 16 Commercial real estate ​ 881 ​ 959 ​ — ​ 971 ​ 7 ​ 1,079 ​ 7 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 6,881 ​ ​ 8,115 ​ ​ — ​ ​ 7,033 ​ ​ — ​ ​ 8,102 ​ ​ — Multifamily ​ 346 ​ 389 ​ — ​ 393 ​ 5 ​ 428 ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 856 ​ 946 ​ — ​ 1,068 ​ 12 ​ 1,511 ​ 2 SBA commercial business ​ 293 ​ 982 ​ — ​ 757 ​ — ​ 502 ​ — Consumer ​ 88 ​ 72 ​ — ​ 77 ​ — ​ 87 ​ — ​ ​ $ 12,312 ​ $ 14,720 ​ $ — ​ $ 13,190 ​ $ 39 ​ $ 15,153 ​ $ 25 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 253 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 564 ​ ​ 587 ​ ​ 83 ​ ​ 1,665 ​ ​ — ​ ​ 1,025 ​ ​ — Multifamily ​ — ​ — ​ — ​ — ​ — ​ — ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 48 ​ 135 ​ 28 ​ 67 ​ — ​ — ​ — SBA commercial business ​ 956 ​ 1,214 ​ 714 ​ 1,267 ​ — ​ 219 ​ — Consumer ​ 223 ​ 223 ​ — ​ 184 ​ — ​ 138 ​ — ​ ​ $ 1,791 ​ $ 2,159 ​ $ 825 ​ $ 3,183 ​ $ — ​ $ 1,635 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,967 ​ $ 3,257 ​ $ — ​ $ 2,891 ​ $ 15 ​ $ 3,697 ​ $ 16 Commercial real estate ​ 881 ​ 959 ​ — ​ 971 ​ 7 ​ 1,079 ​ 7 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,445 ​ ​ 8,702 ​ ​ 83 ​ ​ 8,698 ​ ​ — ​ ​ 9,127 ​ ​ — Multifamily ​ 346 ​ 389 ​ — ​ 393 ​ 5 ​ 428 ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 904 ​ 1,081 ​ 28 ​ 1,135 ​ 12 ​ 1,511 ​ 2 SBA commercial business ​ 1,249 ​ 2,196 ​ 714 ​ 2,024 ​ — ​ 721 ​ — Consumer ​ 311 ​ 295 ​ — ​ 261 ​ — ​ 225 ​ — ​ ​ $ 14,103 ​ $ 16,879 ​ $ 825 ​ $ 16,373 ​ $ 39 ​ $ 16,788 ​ $ 25 ​ The following table presents impaired loans individually evaluated for impairment as of September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Related ​ ​ Investment ​ Balance ​ Allowance ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 2,524 ​ $ — Commercial real estate ​ 907 ​ 982 ​ — Single tenant net lease ​ — ​ — ​ — SBA commercial real estate ​ 5,337 ​ 5,952 ​ — Multifamily ​ 354 ​ 398 ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — Land and land development ​ ​ — ​ ​ — ​ ​ — Commercial business ​ ​ 1,007 ​ ​ 1,189 ​ ​ — SBA commercial business ​ 221 ​ 532 ​ — Consumer ​ ​ 93 ​ ​ 81 ​ ​ — ​ ​ $ 10,167 ​ $ 11,658 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — Commercial real estate ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,388 ​ ​ 2,919 ​ ​ 290 Multifamily ​ — ​ — ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ — ​ — ​ — SBA commercial business ​ ​ 870 ​ ​ 1,349 ​ ​ 674 Consumer ​ 145 ​ 145 ​ — ​ ​ $ 3,403 ​ $ 4,413 ​ $ 964 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 2,524 ​ $ — Commercial real estate ​ 907 ​ 982 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,725 ​ 8,871 ​ 290 Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ ​ 1,007 ​ ​ 1,189 ​ ​ — SBA commercial business ​ 1,091 ​ 1,881 ​ 674 Consumer ​ ​ 238 ​ ​ 226 ​ ​ — ​ ​ $ 13,570 ​ $ 16,071 ​ $ 964 ​ 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 December 31, 2022 and September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ At September 30, 2022 ​ ​ ​ ​ ​ 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 ​ $ 1,946 ​ $ — ​ $ 1,946 ​ $ 1,213 ​ $ — ​ $ 1,213 Commercial real estate ​ 498 ​ — ​ ​ 498 ​ ​ 516 ​ ​ — ​ 516 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,445 ​ — ​ ​ 7,445 ​ ​ 7,725 ​ ​ — ​ 7,725 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Commercial business ​ ​ 74 ​ ​ — ​ ​ 74 ​ ​ 73 ​ ​ — ​ ​ 73 SBA commercial business ​ 1,249 ​ — ​ ​ 1,249 ​ ​ 1,091 ​ ​ — ​ 1,091 Consumer ​ ​ 311 ​ ​ — ​ ​ 311 ​ ​ 238 ​ ​ — ​ ​ 238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 11,523 ​ $ — ​ $ 11,523 ​ $ 10,856 ​ $ — ​ $ 10,856 ​ The following table presents the aging of the recorded investment in past due loans at December 31, 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 ​ $ 1,508 ​ $ 229 ​ $ 715 ​ $ 2,452 ​ $ 412,741 ​ $ 415,193 Commercial real estate ​ 259 ​ — ​ ​ 498 ​ ​ 757 ​ ​ 178,257 ​ 179,014 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 735,430 ​ ​ 735,430 SBA commercial real estate ​ 262 ​ 6 ​ ​ 3,172 ​ ​ 3,440 ​ ​ 51,197 ​ 54,637 Multifamily ​ — ​ — ​ ​ — ​ ​ — ​ ​ 32,514 ​ 32,514 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 21,180 ​ ​ 21,180 Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ 4,596 ​ 4,596 Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ 11,067 ​ 11,067 Commercial business ​ ​ 65 ​ ​ — ​ ​ 47 ​ ​ 112 ​ ​ 92,317 ​ ​ 92,429 SBA commercial business ​ — ​ — ​ ​ 805 ​ ​ 805 ​ ​ 20,006 ​ 20,811 Consumer ​ ​ 3 ​ ​ — ​ ​ 54 ​ ​ 57 ​ ​ 38,438 ​ ​ 38,495 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 2,097 ​ $ 235 ​ $ 5,291 ​ $ 7,623 ​ $ 1,597,743 ​ $ 1,605,366 ​ 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 ​ — ​ — ​ — ​ — ​ 676,593 ​ 676,593 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 ​ $ 1,489,277 ​ $ 1,495,283 ​ 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 conditions and 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: 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 December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 413,063 ​ $ — ​ $ 1,955 ​ $ 175 ​ $ — ​ $ 415,193 Commercial real estate ​ 178,306 ​ — ​ 708 ​ — ​ — ​ 179,014 Single tenant net lease ​ 735,430 ​ — ​ — ​ — ​ — ​ 735,430 SBA commercial real estate ​ 46,070 ​ 1,123 ​ 5,805 ​ 1,639 ​ — ​ 54,637 Multifamily ​ 32,514 ​ — ​ — ​ — ​ — ​ 32,514 Residential construction ​ 21,180 ​ — ​ — ​ — ​ — ​ 21,180 Commercial construction ​ 4,596 ​ — ​ — ​ — ​ — ​ 4,596 Land and land development ​ 11,067 ​ — ​ — ​ — ​ — ​ 11,067 Commercial business ​ 92,217 ​ 125 ​ 87 ​ — ​ — ​ 92,429 SBA commercial business ​ 17,248 ​ 850 ​ 2,669 ​ 44 ​ — ​ 20,811 Consumer ​ 38,406 ​ — ​ 89 ​ — ​ — ​ 38,495 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,590,097 ​ $ 2,098 ​ $ 11,313 ​ $ 1,858 ​ $ — ​ $ 1,605,366 ​ 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 ​ ​ 676,593 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 676,593 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 ​ $ 1,479,457 ​ $ 1,677 ​ $ 12,273 ​ $ 1,876 ​ $ — ​ $ 1,495,283 ​ Troubled Debt Restructurings 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 or maturity 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. Loans modified in a TDR may be retained on accrual status if the borrower has maintained a period of performance in which the borrower’s lending relationship was not greater than ninety days delinquent at the time of restructuring and the Company determines the future collection of principal and interest is reasonably assured. Loans modified in a TDR that are placed on nonaccrual status at the time of restructuring will continue on nonaccrual status until the Company determines the future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate a period of performance according to the restructured terms of at least six consecutive months. TDRs on nonaccrual status are evaluated individually for purposes of calculating an allowance for loan losses while performing TDRs are evaluated collectively. The following table summarizes the Company’s recorded investment in TDRs at December 31, 2022 and September 30, 2022. There was $125,000 of specific reserve included in the allowance for loan losses related to TDRs at December 31, 2022. 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) December 31, 2022: ​ ​ ​ Residential real estate ​ $ 1,021 ​ $ — ​ $ 1,021 Commercial real estate ​ ​ 383 ​ ​ 420 ​ ​ 803 SBA commercial real estate ​ — ​ 1,604 ​ 1,604 Multifamily ​ ​ 346 ​ ​ — ​ ​ 346 Commercial business ​ 830 ​ — ​ 830 SBA commercial business ​ — ​ 262 ​ 262 Total ​ $ 2,580 ​ $ 2,286 ​ $ 4,866 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ There were no TDRs that were restructured during the three- months ended December 31, 2022 and 2021. At December 31, 2022 and September 30, 2022, the Company had committed to lend $1,000 to customers with outstanding loans classified as TDRs. There were principal charge-offs totaling $3,000 as a result of loans previously designated as TDRs during the three-month period ended December 31, 2022. There were no principal charge-offs recorded as a result of TDRs during the three-month periods ended December 31, 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 three -month periods ended December 31, 2022 and 2021, the Company did not have any TDRs that were modified within the previous twelve months and for which there was a payment default. SBA Loan Servicing Rights The Company originates loans to commercial customers under the SBA 7(a) program and other programs, and sells the guaranteed portion of the SBA loans with servicing rights 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 approximates 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 include the discount rate and prepayment speed assumptions. 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 $237.9 million, $238.9 million and $250.5 million at December 31, 2022, September 30, 2022 and December 31, 2021, respectively. Contractually specified late fees and ancillary fees earned on SBA loans were $21,000 and $20,000 for the three-month periods ended December 31, 2022 and 2021, respectively. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans was $553,000 and $627,000 for the three-month periods ended December 31, 2022 and 2021, respectively. Net servicing income and costs 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 three-month periods ended December 31, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 ​ ​ (In thousands) Balance, beginning of period ​ $ 3,790 ​ $ 4,447 Servicing rights capitalized ​ 198 ​ 346 Amortization ​ (195) ​ (288) Direct write-offs ​ ​ (141) ​ ​ (35) Change in valuation allowance ​ (351) ​ (41) Balance, end of period ​ $ 3,301 ​ $ 4,429 ​ There was a valuation allowance of $530,000 and $179,000 related to SBA loan servicing rights at December 31, 2022 and September 30, 2022, respectively. Mortgage Servicing Rights (“MSRs”) The Company originates residential mortgage loans for sale in the secondary market and retains servicing for certain of these loans when they are sold. MSRs retained for originated loans that have been sold are accounted for at fair value. The fair value of MSRs are determined using the present value of estimated expected net servicing income using assumptions about expected mortgage loan prepayment rates, discount rate, servicing costs, and other economic factors, which are determined based on current market conditions. Changes in these underlying assumptions could cause the fair value of MSRs to change significantly in the future. Changes in fair value of MSRs are recorded in mortgage banking income in the accompanying consolidated statements of income. MSRs are subject to changes in value from, among other things, changes in interest rates, prepayments of the underlying loans and changes in the credit quality of the underlying loans. A valuation model employed by an independent third party calculates the present value of future cash flows and is used to value the MSRs on a monthly basis. Management periodically compares the valuation model inputs and results to published industry data in order to validate the model results and assumptions. Key assumptions, which are significant unobservable inputs, used to estimate the fair value of the MSRs at December 31, 2022 and September 30, 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ Range of Assumption Range of Assumption ​ ​ (Weighted Average) ​ (Weighted Average) Assumption December 31, 2022 September 30, 2022 Discount rate 9.50% to 14.50% (9.52%) 9.50% to 14.50% (9.51%) Prepayment rate 3.75% to 85.80% (6.69%) 6.01% to 74.89% (6.63%) ​ The unpaid principal balance of residential mortgage loans serviced for others was $4.82 billion and $4.88 billion at December 31, 2022 and September 30, 2022, respectively. Custodial escrow balances maintained in connection with the foregoing loan servicing and other liabilities were $28.8 million and $46.0 million at December 31, 2022 and September 30, 2022, respectively. Contractually specified servicing fees (net of direct servicing expenses), late fees and other ancillary fees related to residential mortgage loans serviced for others were $2.4 million and $2.1 million for the three-month periods ended December 31, 2022 and 2021, respectively. Contractually specified servicing fees are included in mortgage banking income in the consolidated statements of income. Changes in the carrying value of MSRs accounted for at fair value for the three-month periods ended December 31, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Fair value, beginning of period ​ $ 63,263 ​ $ 49,579 Servicing rights capitalized ​ ​ 142 ​ ​ 4,504 Changes in fair value related to: ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (1,023) ​ ​ (2,492) Change in valuation model inputs or assumptions ​ ​ (217) ​ ​ 3,167 Balance, end of period ​ $ 62,165 ​ $ 54,758 ​ Nonresidential MSRs The Company also periodically sells single tenant net lease loans with servicing rights retained. Loan servicing rights on these nonresidential mortgage loans are initially recorded at fair value and are then amortized in proportion to and over the period of estimated net servicing income. Impairment of nonresidential MSRs is assessed using the present value of estimated future cash flows. The aggregate fair value of nonresidential MSRs approximates its carrying value. A valuation model employed by management 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 nonresidential MSRs include the discount rate and prepayment speed assumptions. 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 nonresidential mortgage loans serviced for others was $44.0 million and $44.6 million at December 31, 2022 and September 30, 2022, respectively. Contractually specified servicing fees, late fees and other ancillary fees related to nonresidential mortgage loans serviced for others were $9,000 and $11,000 for the three-month periods ended December 31, 2022. Contractually specified servicing fees on nonresidential mortgage loans serviced for others are included in other noninterest income in the consolidated statements of income. An analysis of nonresidential MSRs for the three-month periods ended December 31, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 ​ ​ (In thousands) ​ ​ ​ ​ ​ Balance, beginning of period ​ $ 141 ​ $ — Servicing rights capitalized ​ — ​ — Amortization ​ (9) ​ — Direct write-offs ​ — ​ — Change in valuation allowance ​ — ​ — Balance, end of period ​ $ 132 ​ $ — ​ There was no valuation allowance related to nonresidential MSRs at December 31, 2022 and September 30, 2022.

Deposits

Deposits	3 Months Ended
	Dec. 31, 2022
Deposits.
Deposits	4. Deposits Deposits at December 31, 2022 and September 30, 2022 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, September 30, ​ ​ 2022 ​ 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 315,390 ​ $ 340,172 NOW accounts ​ 345,597 ​ 343,296 Money market accounts ​ 243,443 ​ 238,219 Savings accounts ​ 170,732 ​ 171,779 Retail time deposits ​ 136,515 ​ 129,864 Brokered & reciprocal time deposits ​ 326,164 ​ 292,504 Total ​ $ 1,537,841 ​ $ 1,515,834 ​

Supplemental Disclosure for Net

Supplemental Disclosure for Net Income Per Share	3 Months Ended
	Dec. 31, 2022
Supplemental Disclosure for Net Income Per Share
Supplemental Disclosure for Net Income Per Share	5. Supplemental Disclosure for Net Income Per Share Net income per share information is presented below for the three -month periods ended December 31, 2022 and 2021. All share and per share amounts have been adjusted to reflect the three-for-one stock split effective September 15, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, (In thousands, except share and per share data) 2022 2021 Basic: ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 2,871 ​ $ 4,305 Shares: ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,915,909 ​ 7,116,790 ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.42 ​ $ 0.60 ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ Earnings: ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 2,871 ​ $ 4,305 Shares: ​ ​ Weighted average common shares outstanding, basic ​ 6,915,909 ​ 7,116,790 Add: Dilutive effect of outstanding options ​ 53,229 ​ 81,177 Add: Dilutive effect of restricted stock ​ 2,917 ​ 9,243 Weighted average common shares outstanding, as adjusted ​ 6,972,055 ​ 7,207,210 ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.41 ​ $ 0.60 ​ Nonvested restricted stock shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. Stock options for 275,889 and 137,250 shares of common stock were excluded from the calculation of diluted net income per common share for the three -month periods ended December 31, 2022 and 2021, respectively, because their effect was antidilutive. There were no antidilutive restricted stock awards excluded from the calculation of diluted net income per share for the three -month periods ended December 31, 2022 and 2021.

Supplemental Disclosures of Cas

Supplemental Disclosures of Cash Flow Information	3 Months Ended
	Dec. 31, 2022
Supplemental Disclosures of Cash Flow Information
Supplemental Disclosures of Cash Flow Information	6. Supplemental Disclosures of Cash Flow Information ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, ​ 2022 2021 ​ ​ (In thousands) Cash payments for: ​ ​ ​ ​ ​ Interest ​ $ 6,540 ​ $ 1,866 Income taxes (net of refunds received) ​ (117) ​ (5) ​

Fair Value Measurements and Dis

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments	3 Months Ended
	Dec. 31, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments	7. Fair Value Measurements and Disclosures about Fair Value of Financial Instruments FASB Accounting Standards Codification (“ASC”) Topic 820 , Fair Value Measurements, Level 1: Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets. A quoted market price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available. Level 2: Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are not active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means. 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 tables below present the balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis as of December 31, 2022 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ Assets Measured – Recurring Basis: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ — ​ $ 27,908 ​ $ — ​ $ 27,908 Agency mortgage-backed ​ ​ — ​ ​ 27,161 ​ ​ — ​ ​ 27,161 Agency CMO ​ — ​ 13,920 ​ — ​ 13,920 Privately-issued CMO ​ — ​ 429 ​ — ​ 429 Privately-issued ABS ​ — ​ 527 ​ — ​ 527 SBA certificates ​ — ​ 11,788 ​ — ​ 11,788 Municipal ​ — ​ 247,430 ​ — ​ 247,430 Total securities available for sale ​ $ — ​ $ 329,163 ​ $ — ​ $ 329,163 Residential mortgage loans held for sale ​ $ — ​ $ 20,675 ​ $ — ​ $ 20,675 Derivative assets (included in other assets) ​ $ — ​ $ 79 ​ $ 377 ​ $ 456 Equity securities (included in other assets) ​ $ 117 ​ $ — ​ $ — ​ $ 117 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 62,165 ​ $ 62,165 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 95 ​ $ 15 ​ $ 110 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis: ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ — Commercial real estate ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 2,576 ​ ​ 2,576 Multifamily ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ 20 ​ 20 SBA commercial business ​ ​ — ​ ​ — ​ ​ 389 ​ ​ 389 Consumer ​ — ​ — ​ — ​ — Total impaired loans ​ $ — ​ $ — ​ $ 2,985 ​ $ 2,985 SBA loan servicing rights ​ $ — ​ $ — ​ $ 3,301 ​ $ 3,301 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills and 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 ​ $ — ​ $ 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 ​ ​ ​ ​ Collateral dependent 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 ​ 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 at 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. There have been no changes in the valuation techniques and related inputs used for assets measured at fair value on a recurring and nonrecurring basis during the three-month period ended December 31, 2022. 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 three -month periods ended December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, (In thousands) ​ 2022 2021 ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ (238) ​ $ 1,567 Unrealized gains recognized in earnings, net of settlements ​ 600 ​ 173 ​ ​ ​ ​ ​ ​ Ending balance ​ $ 362 ​ $ 1,740 ​ The realized and unrealized gains recognized in earnings in the table above are included in mortgage banking income on the accompanying consolidated statements of income. Gains recognized in earnings for the three-month periods ended December 31, 2022 and 2021 attributable to Level 3 derivative assets and liabilities held at the balance sheet date were $361,000 and $1.7 million, respectively. The table below presents information about significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis as of December 31, 2022 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ Range of Inputs ​ ​ Significant ​ (Weighted Average) ​ (Weighted Average) ​ Unobservable December 31, September 30, Financial Instrument ​ Inputs ​ 2022 ​ 2022 ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 31% - 100% (68%) 50% - 100% (78%) ​ ​ Direct costs to close 0.00% - 5.10% (0.50%) 0.00% - 4.00% (0.70%) ​ Residential Mortgage Servicing Rights . Collateral Dependent Loans The fair value of impaired loans is based on the fair value of the underlying collateral less estimated costs to sell. Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable. The fair value of the collateral is generally determined based on real estate appraisals or other independent evaluations by qualified professionals, adjusted for estimated costs to sell the property, costs to complete or repair the property and other factors to reflect management’s estimate of the fair value of the collateral given the current market conditions and the condition of the collateral. The fair value of impaired loans is classified as Level 3 in the fair value hierarchy. At December 31, 2022 and September 30, 2022, the significant unobservable inputs used in the fair value measurement of impaired loans included discounts due to marketability from appraised value ranging from 0.0% to 100.0%, for both periods, and estimated costs to sell the collateral ranging from 0.0% to 10.0% for both periods. During the three -month periods ended December 31, 2022, the Company recognized provisions for loan losses on impaired loans of $200,000 and $691,000, respectively. SBA and Nonresidential Loan Servicing Rights 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 December 31, 2022 and September 30, 2022, 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 three-month periods ended December 31, 2022 and 2021. 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 generally discounted by management in order to reflect management’s estimate of the fair value of the property given current market conditions and the condition of the property. At December 31, 2022 and September 30, 2022, the Company did not have any other real estate owned measured at fair value on a nonrecurring basis. The Company did not recognize any charges to write down other real estate owned to fair value for the three -month periods ended December 31, 2022 and 2021. There were no transfers into or out of the Company’s Level 3 financial assets of the fair value hierarchy for the three -month period ended December 31, 2022. Financial Instruments Recorded Using Fair Value Option. The Company has elected the fair value option for substantially all of its residential mortgage loans held for sale. 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 December 31, 2022 and September 30, 2022. 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 December 31, 2022 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ December 31, ​ December 31, ​ ​ ​ (In thousands) 2022 ​ 2022 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 20,675 ​ $ 20,196 ​ $ 479 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate ​ Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ September 30, ​ September 30, ​ ​ ​ (In thousands) 2022 2022 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 38,579 ​ $ 38,517 ​ $ 62 ​ 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 three- month periods ended December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, (In thousands) ​ 2022 2021 ​ ​ ​ ​ ​ ​ ​ Gains – included in mortgage banking income ​ $ 668 ​ $ 1,623 Interest income ​ 428 ​ 994 ​ ​ ​ ​ ​ ​ ​ ​ $ 1,096 ​ $ 2,617 ​ GAAP requires disclosure of fair value information about financial instruments for interim reporting periods, whether or not recognized in the consolidated balance sheet. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. The carrying amounts and estimated fair values of the Company’s financial instruments are as follows. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 25,226 ​ $ 25,226 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 13,052 ​ 13,052 ​ — ​ — Interest-bearing time deposits ​ 1,854 ​ — ​ 1,854 ​ — Securities available for sale ​ 329,163 ​ — ​ 329,163 ​ — Securities held to maturity ​ 1,520 ​ — ​ 1,548 ​ — Residential mortgage loans held for sale ​ 20,675 ​ ​ — ​ ​ 20,675 ​ — Single tenant net lease loans held for sale ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA loans held for sale ​ ​ 23,606 ​ ​ — ​ ​ — ​ ​ 25,603 Loans, net ​ 1,582,940 ​ — ​ — ​ 1,489,154 FRB and FHLB stock ​ 21,564 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 10,436 ​ — ​ 10,436 ​ — Residential mortgage loan servicing rights ​ ​ 62,165 ​ ​ — ​ ​ — ​ ​ 62,165 Nonresidential mortgage loan servicing rights ​ ​ 132 ​ ​ — ​ ​ — ​ ​ 132 SBA loan servicing rights ​ 3,301 ​ — ​ — ​ 3,301 Derivative assets (included in other assets) ​ 456 ​ — ​ 79 ​ 377 Equity securities (included in other assets) ​ ​ 117 ​ ​ 117 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ 1,537,841 ​ — ​ — ​ 1,533,129 Borrowings from FHLB ​ 377,643 ​ — ​ 372,776 ​ — Subordinated note ​ 50,274 ​ — ​ 48,819 ​ — Other borrowings ​ 45,184 ​ — ​ 45,184 ​ — Accrued interest payable ​ 1,984 ​ — ​ 1,984 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 695 ​ ​ — ​ ​ 695 ​ ​ — Derivative liabilities (included in other liabilities) ​ 110 ​ — ​ 95 ​ 15 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) 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 ​ 1,474,544 ​ — ​ — ​ 1,402,222 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 SBA loan servicing rights ​ 3,790 ​ — ​ — ​ 3,789 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 ​ — Other borrowings ​ ​ 37,989 ​ ​ — ​ ​ — ​ ​ 37,989 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 ​

Employee Stock Ownership Plan

Employee Stock Ownership Plan	3 Months Ended
	Dec. 31, 2022
Employee Stock Ownership Plan
Employee Stock Ownership Plan	8. Employee Stock Ownership Plan On October 6, 2008, the Company established a leveraged employee stock ownership plan (“ESOP”) covering substantially all employees. The ESOP trust acquired 203,363 shares of Company common stock at a cost of $10.00 per share financed by a term loan with the Company. The ESOP loan was repaid in full during the quarter ended December 31, 2015 and all shares have been allocated to participants in the plan; therefore, no compensation expense was recognized for the three- month periods ended December 31, 2022 and 2021. The ESOP trust held 306,202 shares of Company common stock at December 31, 2022 and September 30, 2022.

Stock Based Compensation Plans

Stock Based Compensation Plans	3 Months Ended
	Dec. 31, 2022
Stock Based Compensation Plans
Stock Based Compensation Plans	9. Stock Based Compensation Plans The Company maintains three equity incentive plans under which stock options and restricted stock have been or may 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. At December 31, 2022, there were no remaining shares of the Company’s common stock available for issuance under the 2010 Plan. At December 31, 2022, 4,560 shares of the Company’s common stock were available for issuance under the 2016 Plan, of which 1,500 shares were available for restricted stock and 3,060 shares were available for stock options. At December 31, 2022, 85,058 shares of the Company’s common stock were available for issuance under the 2021 Plan, of which 21,265 shares were available for restricted stock and 63,793 shares were available for stock options. The Company generally issues new shares under the 2016 and 2021 Plans 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 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 may not be less than the fair market value of the underlying stock at the date of the grant. The terms of the plans also include provisions whereby all unearned options and restricted shares become immediately exercisable and fully vested upon a change in control. Stock options granted generally vest ratably over five years and are exercisable in whole or in part for a period up to ten years from the date of the grant. Compensation expense is measured based on the fair market value of the options at the grant date and is recognized ratably over the period during which the shares are earned (the vesting period). The fair market value of stock options granted is estimated at the date of grant using a binomial option pricing model. Expected volatilities are based on historical volatility of the Company’s stock. The expected term of options granted represents the period of time that options are expected to be outstanding. The risk free rate for the expected life of the options is based on the U.S. Treasury yield curve in effect at the grant date. The fair value of options granted during the three-month period ended December 31, 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 ​ ​ A summary of stock option activity as of December 31, 2022, and changes during the three-month period then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Remaining ​ ​ ​ ​ ​ ​ ​ Weighted ​ Contractual ​ Aggregate ​ ​ Number of ​ Average ​ Term ​ Intrinsic ​ ​ Shares ​ Exercise Price ​ (Years) ​ Value ​ ​ (Dollars in thousands, except per share data) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Outstanding at beginning of period 351,369 ​ $ 20.57 ​ ​ ​ ​ ​ Granted 66,000 ​ ​ 22.49 ​ ​ ​ Exercised — ​ — ​ ​ ​ Forfeited or expired — ​ — ​ ​ ​ Outstanding at end of period 417,369 ​ $ 20.87 7.0 ​ $ 867 Vested and expected to vest 417,369 ​ $ 20.87 7.0 ​ $ 867 Exercisable at end of period 223,830 ​ $ 17.77 5.4 ​ $ 866 ​ There were no stock options exercised during the three-month periods ended December 31, 2022 and 2021. The Company recognized compensation expense related to stock options of $82,000 and $52,000 for the three-month periods ended December 31, 2022, respectively. At December 31, 2022, there was $1.2 million of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 4.20 years. There was no cash received or tax benefit from the exercise of stock options during the three-month periods ended December 31, 2022 and 2021. Restricted Stock The vesting period of restricted stock granted under the plans is generally five years beginning one year after the date of grant of the awards. Compensation expense is measured based on the fair market value of the restricted stock at the grant date and is recognized ratably over the vesting period. Compensation expense related to restricted stock recognized for the three-month periods ended December 31, 2022 and 2021 was $103,000 and $75,000, respectively. A summary of the Company’s nonvested restricted shares activity as of December 31, 2022 and changes during the three-month period then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ Number ​ Average ​ ​ of ​ Grant Date ​ ​ Shares ​ Fair Value Nonvested at October 1, 2022 51,324 ​ $ 26.07 Granted 22,000 ​ $ 22.49 Vested (16,408) ​ $ 25.68 Forfeited — ​ $ — Nonvested at December 31, 2022 56,916 ​ $ 24.80 ​ There were 16,408 restricted shares vested during the three-month period ended December 31, 2022 with a total fair value of $369,000. There were 12,225 restricted shares that vested during the three-month period ended December 31, 2021 with a total fair value of $327,000. At December 31, 2022, there was $1.4 million of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 4.14 years.

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
	Dec. 31, 2022
Derivative Financial Instruments
Derivative Financial Instruments	10. Derivative Financial Instruments The Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The Company also enters into forward mortgage loan commitments to sell loans 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 accompanying consolidated balance sheets at fair value in accordance with FASB ASC 815, Derivatives and Hedging Certain financial instruments, including derivatives, may be eligible for offset in the balance sheet when the “right of setoff” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements. However, the Company has not elected to offset such financial instruments in the consolidated balance sheets. The Company may be required to post margin collateral to derivative counterparties based on agreements with the dealers. At December 31, 2022 and September 30, 2022, the Company had cash collateral posted with certain derivative counterparties of $1.5 million and $2.4 million, respectively, against its derivative obligations. Cash collateral related to derivative contracts is recorded in interest-bearing deposits with banks or other assets in the consolidated balance sheets. The tables below provide information on the Company’s derivative financial instruments as of December 31, 2022 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Notional Asset Liability ​ ​ Amount ​ Derivatives ​ Derivatives (In thousands) ​ December 31, 2022 ​ December 31, 2022 ​ December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 42,369 ​ $ 377 ​ $ 15 Forward mortgage loan sale contracts ​ 26,500 ​ 79 ​ 95 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 68,869 ​ $ 456 ​ $ 110 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Notional Asset Liability ​ ​ Amount ​ Derivatives ​ Derivatives ​ ​ September 30, ​ September 30, ​ September 30, (In thousands) ​ 2022 ​ 2022 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 48,952 ​ $ 158 ​ $ 396 Forward mortgage loan sale contracts ​ 60,000 ​ 872 ​ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 108,952 ​ $ 1,030 ​ $ 427 ​ Income (loss) related to derivative financial instruments included in mortgage banking income in the accompanying consolidated statements of income for the three- month periods ended December 31, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 599 ​ $ 173 Forward mortgage loan sale contracts ​ (545) ​ 695 ​ ​ ​ ​ ​ ​ ​ ​ $ 54 ​ $ 868 ​

Regulatory Capital

Regulatory Capital	3 Months Ended
	Dec. 31, 2022
Regulatory Capital
Regulatory Capital	11. Regulatory Capital The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1 and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and Tier 1 capital (as defined) to average assets (as defined). The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (“Basel III rules”) became effective for the Bank on January 1, 2015, with full compliance with all of the requirements being phased in over a multi-year schedule through 2019. Under the Basel III rules, the Bank must hold a conservation buffer above the adequately capitalized risk-based capital ratios disclosed in the table below. The capital conservation buffer was phased in from 0.0% for 2015 to 2.5% by 2019. The capital conservation buffer was 2.50% for 2022 and 2021. The Bank met all capital adequacy requirements to which it was subject as of December 31, 2022 and September 30, 2022. As of December 31, 2022, the most recent notification from the Federal Reserve Bank categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, common equity Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company’s and Bank’s actual capital amounts and ratios are also presented in the table. The Company is not subject to the Federal Reserve Bank’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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To Be Well ​ Minimum ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ For Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes: ​ Action Provisions: ​ Amount Ratio Amount Ratio Amount Ratio ​ ​ (Dollars in thousands) ​ As of December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 227,650 12.01 % $ 151,625 8.00 % ​ N/A N/A ​ Bank ​ 215,966 11.41 ​ 151,418 8.00 ​ $ 189,273 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 161,296 8.51 % $ 113,719 6.00 % N/A N/A ​ Bank ​ 199,886 10.56 ​ 113,564 6.00 ​ $ 151,418 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 161,296 8.51 % $ 85,289 4.50 % N/A N/A ​ Bank ​ 199,886 10.56 ​ 85,173 4.50 ​ $ 123,027 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 161,296 7.55 % $ 85,455 4.00 % N/A N/A ​ Bank ​ 199,886 9.35 ​ 85,505 4.00 ​ $ 106,881 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2022 (As Restated): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 224,895 12.33 % $ 145,973 8.00 % ​ N/A N/A ​ Bank ​ 208,280 11.44 ​ 145,713 8.00 ​ $ 182,141 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,318 8.73 % $ 109,480 6.00 % N/A N/A ​ Bank ​ 192,920 10.59 ​ 109,285 6.00 ​ $ 145,713 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,318 8.73 % $ 82,110 4.50 % N/A N/A ​ Bank ​ 192,920 10.59 ​ 81,963 4.50 ​ $ 118,392 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,318 7.96 % $ 80,031 4.00 % N/A N/A ​ Bank ​ 192,920 9.58 ​ 80,555 4.00 ​ $ 100,693 5.00 % ​

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Dec. 31, 2022
Recent Accounting Pronouncements
Recent Accounting Pronouncements	12. 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. 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.

Segment Reporting

Segment Reporting	3 Months Ended
	Dec. 31, 2022
Segment Reporting
Segment Reporting	13. Segment Reporting The Company’s operations include three primary segments: core banking, SBA lending, and mortgage banking. The core banking segment originates residential, commercial and consumer loans and attracts deposits from its customer base. Net interest income from loans and investments that are 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, net servicing income 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, net servicing income, 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 by 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 ​ ​ Banking ​ Lending ​ Banking ​ Totals ​ ​ (In thousands) Three Months Ended December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 15,008 ​ $ 995 ​ $ 258 ​ $ 16,261 Provision for loan losses ​ ​ 701 ​ ​ 283 ​ ​ — ​ ​ 984 Net interest income after provision ​ ​ 14,307 ​ ​ 712 ​ ​ 258 ​ ​ 15,277 Net gains on sales of loans, SBA ​ — ​ 775 ​ — ​ 775 Mortgage banking income ​ (10) ​ — ​ 2,506 ​ 2,496 Noninterest income ​ 1,928 ​ 754 ​ 2,506 ​ 5,188 Noninterest expense ​ 9,797 ​ 1,924 ​ 5,790 ​ 17,511 Income (loss) before taxes ​ 6,438 ​ (458) ​ (3,026) ​ 2,954 Income tax expense (benefit) ​ 996 ​ (107) ​ (756) ​ 83 Segment profit (loss) ​ 5,492 ​ (351) ​ (2,270) ​ 2,871 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 601 ​ ​ 5 ​ ​ 27 ​ ​ 633 Segment assets at December 31, 2022 ​ 2,005,780 ​ 100,304 ​ 90,835 ​ 2,196,919 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals ​ ​ (In thousands) Three Months Ended December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 11,495 ​ $ 1,875 ​ $ 533 ​ $ 13,903 Provision (credit) for loan losses ​ (144) ​ 670 ​ — ​ 526 Net interest income after provision ​ 11,639 ​ 1,205 ​ 533 ​ 13,377 Net gains on sales of loans, SBA ​ — ​ 1,636 ​ — ​ 1,636 Mortgage banking income ​ (4) ​ — ​ 12,748 ​ 12,744 Noninterest income ​ 1,942 ​ 1,901 ​ 12,748 ​ 16,591 Noninterest expense ​ 9,582 ​ 2,236 ​ 13,134 ​ 24,852 Income before taxes ​ 4,099 ​ 870 ​ 147 ​ 5,116 Income tax expense ​ ​ 500 ​ ​ 265 ​ ​ 46 ​ ​ 811 Segment profit ​ ​ 3,599 ​ ​ 605 ​ ​ 101 ​ ​ 4,305 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 550 ​ ​ 8 ​ ​ 48 ​ ​ 606 Segment assets at December 31, 2021 ​ 1,421,680 ​ 157,481 ​ 185,428 ​ 1,764,589 ​

Revenue from Contracts with Cus

Revenue from Contracts with Customers	3 Months Ended
	Dec. 31, 2022
Revenue from Contracts with Customers
Revenue from Contracts with Customers	14. 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 three- month periods ended December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, ​ 2022 2021 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 558 ​ $ 434 ATM and interchange fees ​ 739 ​ 679 Investment advisory income ​ 128 ​ 188 Other ​ 25 ​ 24 Revenue from contracts with customers subject to ASC 606 ​ 1,450 ​ 1,325 ​ ​ ​ ​ ​ ​ ​ Gain on sale of SBA loans ​ 775 ​ 1,636 Mortgage banking income ​ 2,496 ​ 12,744 Increase in cash value of life insurance ​ 225 ​ 254 Real estate lease income ​ 117 ​ 148 Other ​ ​ 125 ​ ​ 484 Other noninterest income ​ 3,738 ​ 15,266 ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 5,188 ​ $ 16,591 ​ 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 Other Income

Mortgage Banking Income

Mortgage Banking Income	3 Months Ended
	Dec. 31, 2022
Mortgage Banking Income
Mortgage Banking Income	15. Mortgage Banking Income The components of mortgage banking income for the three-month periods ended December 31, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, ​ ​ 2022 2021 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ 732 ​ $ 4,655 Mortgage brokerage income ​ 43 ​ 331 Net change in fair value of loans held for sale and interest rate lock commitments ​ 1,267 ​ (222) Realized and unrealized gains (losses) from forward sales commitments ​ (545) ​ 695 Capitalized residential mortgage loan servicing rights ​ 142 ​ 4,504 Net change in fair value of residential mortgage loan servicing rights ​ (1,240) ​ 675 Provisions for loan repurchases and indemnifications ​ (328) ​ (14) Net loan servicing income ​ 2,425 ​ 2,120 Total mortgage banking income ​ $ 2,496 ​ $ 12,744 (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

Loss Contingency

Loss Contingency	3 Months Ended
	Dec. 31, 2022
Loss Contingency
Loss Contingency	16. Loss Contingency ​ 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 settlement at December 31, 2022, the amount of which had an immaterial effect on the condensed consolidated financial statements.

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Dec. 31, 2022
Investment Securities
Schedule of amortized cost of securities available for sale and held to maturity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gain Losses Value ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ 31,327 ​ $ — ​ $ 3,419 ​ $ 27,908 Agency mortgage-backed ​ ​ 30,139 ​ ​ 3 ​ ​ 2,981 ​ ​ 27,161 Agency CMO ​ 14,924 ​ — ​ 1,004 ​ 13,920 Privately-issued CMO ​ 457 ​ 3 ​ 31 ​ 429 Privately-issued ABS ​ 519 ​ 16 ​ 8 ​ 527 SBA certificates ​ 12,094 ​ — ​ 306 ​ 11,788 Municipal bonds ​ 263,754 ​ 917 ​ 17,241 ​ 247,430 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 353,214 ​ $ 939 ​ $ 24,990 ​ $ 329,163 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 42 ​ $ — ​ $ — ​ $ 42 Municipal bonds ​ 1,478 ​ 28 ​ — ​ 1,506 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 1,520 ​ $ 28 ​ $ — ​ $ 1,548 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gain Losses Value ​ ​ (In thousands) September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and 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 ​
Schedule of amortized cost and fair value of investment securities by contractual maturity	The amortized cost and fair value of investment securities as of December 31, 2022 by contractual maturity are shown below. CMO, ABS, SBA certificates, and mortgage-backed securities which do not have a single maturity date are shown separately. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair ​ Cost Value Cost Value ​ ​ (In thousands) Due within one year ​ $ 11,725 ​ $ 11,694 ​ $ 249 ​ $ 252 Due after one year through five years ​ 23,467 ​ 23,408 ​ 755 ​ 769 Due after five years through ten years ​ 70,249 ​ 66,736 ​ 474 ​ 485 Due after ten years ​ 189,640 ​ 173,500 ​ — ​ — CMO ​ 15,381 ​ 14,349 ​ — ​ — ABS ​ 519 ​ 527 ​ — ​ — SBA certificates ​ 12,094 ​ 11,788 ​ — ​ — Mortgage-backed securities ​ 30,139 ​ 27,161 ​ 42 ​ 42 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 353,214 ​ $ 329,163 ​ $ 1,520 ​ $ 1,548 ​
Schedule of investment securities with gross unrealized losses	Information pertaining to investment securities with gross unrealized losses at December 31, 2022 and September 30, 2022, aggregated by investment category and the length of time that individual securities have been in a continuous loss position, follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized ​ Positions Value Losses ​ ​ (Dollars in thousands) December 31, 2022: ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and notes ​ 8 ​ $ 27,668 ​ $ 3,419 Agency mortgage-backed ​ 12 ​ ​ 23,650 ​ ​ 2,236 Agency CMO ​ 11 ​ ​ 11,709 ​ ​ 626 Privately-issued CMO ​ 1 ​ ​ 405 ​ ​ 31 SBA certificates ​ 2 ​ ​ 10,749 ​ ​ 285 Municipal bonds 201 ​ ​ 159,011 ​ ​ 15,620 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 235 ​ 233,192 ​ 22,217 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ Agency mortgage-backed ​ 1 ​ ​ 3,056 ​ ​ 745 Agency CMO ​ 4 ​ ​ 2,211 ​ ​ 378 Privately-issued ABS ​ 1 ​ ​ 262 ​ ​ 8 SBA certificates 2 ​ 1,039 ​ 21 Municipal bonds 9 ​ 6,830 ​ 1,621 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 17 ​ 13,398 ​ 2,773 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale 252 ​ $ 246,590 ​ $ 24,990 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ Securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ U.S. Treasury bills and 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 ​

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	3 Months Ended
	Dec. 31, 2022
Loans and Allowance for Loan Losses
Schedule of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, September 30, ​ ​ 2022 ​ 2022 ​ ​ ​ (In thousands) Real estate mortgage: ​ ​ 1-4 family residential ​ $ 413,015 ​ $ 368,211 Commercial ​ 178,770 ​ 169,861 Single tenant net lease ​ ​ 733,134 ​ ​ 674,567 SBA (1) ​ ​ 52,917 ​ ​ 59,379 Multifamily residential ​ 32,489 ​ 32,411 Residential construction ​ 21,224 ​ 18,261 Commercial construction ​ 4,612 ​ 5,938 Land and land development ​ 11,054 ​ 11,880 Commercial business ​ 92,025 ​ 90,010 SBA commercial business (1)(2) ​ ​ 20,353 ​ ​ 20,282 Consumer ​ ​ 38,367 ​ ​ 38,052 Total loans ​ 1,597,960 ​ 1,488,852 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net (3) ​ 1,060 ​ 1,052 Allowance for loan losses ​ (16,080) ​ (15,360) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,582,940 ​ $ 1,474,544 (1) Includes discounts on SBA loans of $4.1 $4.3 (2) Includes $591,000 and $650,000 of loans originated under the SBA’s Paycheck Protection Program (“PPP”) at December 31, 2022 and September 30, 2022, respectively. (3) Includes $10,000 and $11,000 of net deferred loan fees related to PPP loans as of December 31, 2022 and September 30, 2022, respectively.
Schedule of components of recorded investment in loans	The following table provides the components of the recorded investment in loans as of December 31, 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 ​ $ 413,015 ​ $ 2,035 ​ $ 143 ​ $ 415,193 Commercial real estate ​ 178,770 ​ 572 ​ (328) ​ 179,014 Single tenant net lease ​ 733,134 ​ 2,188 ​ 108 ​ 735,430 SBA commercial real estate ​ ​ 52,917 ​ ​ 672 ​ ​ 1,048 ​ ​ 54,637 Multifamily ​ 32,489 ​ 64 ​ (39) ​ 32,514 Residential construction ​ ​ 21,224 ​ ​ 45 ​ ​ (89) ​ ​ 21,180 Commercial construction ​ ​ 4,612 ​ ​ 12 ​ ​ (28) ​ ​ 4,596 Land and land development ​ ​ 11,054 ​ ​ 24 ​ ​ (11) ​ ​ 11,067 Commercial business ​ ​ 92,025 ​ ​ 374 ​ ​ 30 ​ ​ 92,429 SBA commercial business ​ 20,353 ​ 212 ​ 246 ​ 20,811 Consumer ​ ​ 38,367 ​ ​ 148 ​ ​ (20) ​ ​ 38,495 ​ ​ $ 1,597,960 ​ $ 6,346 ​ $ 1,060 ​ $ 1,605,366 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 2,967 ​ $ 412,226 ​ $ 415,193 Commercial real estate ​ ​ 881 ​ ​ 178,133 ​ ​ 179,014 Single tenant net lease ​ ​ — ​ ​ 735,430 ​ ​ 735,430 SBA commercial real estate ​ ​ 7,445 ​ ​ 47,192 ​ ​ 54,637 Multifamily ​ ​ 346 ​ ​ 32,168 ​ ​ 32,514 Residential construction ​ ​ — ​ ​ 21,180 ​ ​ 21,180 Commercial construction ​ ​ — ​ ​ 4,596 ​ ​ 4,596 Land and land development ​ ​ — ​ ​ 11,067 ​ ​ 11,067 Commercial business ​ ​ 904 ​ ​ 91,525 ​ ​ 92,429 SBA commercial business ​ ​ 1,249 ​ ​ 19,562 ​ ​ 20,811 Consumer ​ ​ 311 ​ ​ 38,184 ​ ​ 38,495 ​ ​ $ 14,103 ​ $ 1,591,263 ​ $ 1,605,366 ​ The following table provides the components of the recorded investment in loans as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 368,211 ​ $ 1,701 ​ $ 136 ​ $ 370,048 Commercial real estate ​ ​ 169,861 ​ ​ 533 ​ ​ (304) ​ ​ 170,090 Single tenant net lease ​ 674,567 ​ 1,979 ​ 47 ​ 676,593 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 ​ ​ $ 1,488,852 ​ $ 5,379 ​ $ 1,052 ​ $ 1,495,283 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ ​ — ​ ​ 676,593 ​ ​ 676,593 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 ​ ​ 19,572 ​ ​ 20,663 Consumer ​ ​ 238 ​ ​ 37,914 ​ ​ 38,152 ​ ​ $ 13,570 ​ $ 1,481,713 ​ $ 1,495,283 ​
Schedule of allowance for loan losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ — $ 3,100 $ 3,100 Commercial real estate ​ ​ — ​ ​ 1,751 ​ ​ 1,751 Single tenant net lease ​ ​ — ​ ​ 3,804 ​ ​ 3,804 SBA commercial real estate ​ 83 ​ 2,315 ​ 2,398 Multifamily ​ ​ — ​ ​ 252 ​ ​ 252 Residential construction ​ ​ — ​ ​ 367 ​ ​ 367 Commercial construction ​ ​ — ​ ​ 83 ​ ​ 83 Land and land development ​ ​ — ​ ​ 200 ​ ​ 200 Commercial business ​ ​ 28 ​ ​ 1,227 ​ ​ 1,255 SBA commercial business ​ ​ 714 ​ ​ 1,624 ​ ​ 2,338 Consumer ​ ​ — ​ ​ 532 ​ ​ 532 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 825 ​ $ 15,255 ​ $ 16,080 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 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 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Balance Provisions (Credits) Charge-Offs Recoveries Ending Balance ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ 382 ​ $ — ​ $ 2 ​ $ 3,100 Commercial real estate ​ 1,590 ​ 161 ​ — ​ — ​ 1,751 Single tenant net lease ​ 3,838 ​ (34) ​ — ​ — ​ 3,804 SBA commercial real estate ​ 2,578 ​ (106) ​ (74) ​ — ​ 2,398 Multifamily ​ 251 ​ 1 ​ — ​ — ​ 252 Residential construction ​ 305 ​ 62 ​ — ​ — ​ 367 Commercial construction ​ 107 ​ (24) ​ — ​ — ​ 83 Land and land development ​ 212 ​ (12) ​ — ​ — ​ 200 Commercial business ​ 1,193 ​ 32 ​ — ​ 30 ​ 1,255 SBA commercial business ​ 2,122 ​ 390 ​ (190) ​ 16 ​ 2,338 Consumer ​ 448 ​ 132 ​ (65) ​ 17 ​ 532 ​ ​ $ 15,360 ​ $ 984 ​ $ (329) ​ $ 65 ​ $ 16,080 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ (82) ​ $ (23) ​ $ 3 ​ $ 1,336 Commercial real estate ​ 2,806 ​ (295) ​ — ​ — ​ 2,511 Single tenant net lease ​ 2,422 ​ 345 ​ — ​ — ​ 2,767 SBA commercial real estate ​ 3,475 ​ 267 ​ (20) ​ — ​ 3,722 Multifamily ​ 518 ​ (77) ​ — ​ — ​ 441 Residential construction ​ 191 ​ 18 ​ — ​ — ​ 209 Commercial construction ​ 63 ​ 17 ​ — ​ — ​ 80 Land and land development ​ 235 ​ (14) ​ — ​ — ​ 221 Commercial business ​ 1,284 ​ (44) ​ — ​ — ​ 1,240 SBA commercial business ​ 1,346 ​ 401 ​ — ​ 22 ​ 1,769 Consumer ​ 523 ​ (10) ​ (38) ​ 9 ​ 484 ​ ​ $ 14,301 ​ $ 526 ​ $ (81) ​ $ 34 ​ $ 14,780 ​
Schedule of impaired loans individually evaluated for impairment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ Three Months Ended December 31, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2022 ​ 2021 ​ 2021 ​ ​ ​ Unpaid ​ ​ Average Interest Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ Recorded ​ Income ​ ​ Investment ​ Balance ​ Allowance ​ Investment ​ Recognized ​ Investment ​ Recognized ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,967 ​ $ 3,257 ​ $ — ​ $ 2,891 ​ $ 15 ​ $ 3,444 ​ $ 16 Commercial real estate ​ 881 ​ 959 ​ — ​ 971 ​ 7 ​ 1,079 ​ 7 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 6,881 ​ ​ 8,115 ​ ​ — ​ ​ 7,033 ​ ​ — ​ ​ 8,102 ​ ​ — Multifamily ​ 346 ​ 389 ​ — ​ 393 ​ 5 ​ 428 ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 856 ​ 946 ​ — ​ 1,068 ​ 12 ​ 1,511 ​ 2 SBA commercial business ​ 293 ​ 982 ​ — ​ 757 ​ — ​ 502 ​ — Consumer ​ 88 ​ 72 ​ — ​ 77 ​ — ​ 87 ​ — ​ ​ $ 12,312 ​ $ 14,720 ​ $ — ​ $ 13,190 ​ $ 39 ​ $ 15,153 ​ $ 25 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 253 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 564 ​ ​ 587 ​ ​ 83 ​ ​ 1,665 ​ ​ — ​ ​ 1,025 ​ ​ — Multifamily ​ — ​ — ​ — ​ — ​ — ​ — ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 48 ​ 135 ​ 28 ​ 67 ​ — ​ — ​ — SBA commercial business ​ 956 ​ 1,214 ​ 714 ​ 1,267 ​ — ​ 219 ​ — Consumer ​ 223 ​ 223 ​ — ​ 184 ​ — ​ 138 ​ — ​ ​ $ 1,791 ​ $ 2,159 ​ $ 825 ​ $ 3,183 ​ $ — ​ $ 1,635 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,967 ​ $ 3,257 ​ $ — ​ $ 2,891 ​ $ 15 ​ $ 3,697 ​ $ 16 Commercial real estate ​ 881 ​ 959 ​ — ​ 971 ​ 7 ​ 1,079 ​ 7 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,445 ​ ​ 8,702 ​ ​ 83 ​ ​ 8,698 ​ ​ — ​ ​ 9,127 ​ ​ — Multifamily ​ 346 ​ 389 ​ — ​ 393 ​ 5 ​ 428 ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 904 ​ 1,081 ​ 28 ​ 1,135 ​ 12 ​ 1,511 ​ 2 SBA commercial business ​ 1,249 ​ 2,196 ​ 714 ​ 2,024 ​ — ​ 721 ​ — Consumer ​ 311 ​ 295 ​ — ​ 261 ​ — ​ 225 ​ — ​ ​ $ 14,103 ​ $ 16,879 ​ $ 825 ​ $ 16,373 ​ $ 39 ​ $ 16,788 ​ $ 25 ​ The following table presents impaired loans individually evaluated for impairment as of September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Related ​ ​ Investment ​ Balance ​ Allowance ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 2,524 ​ $ — Commercial real estate ​ 907 ​ 982 ​ — Single tenant net lease ​ — ​ — ​ — SBA commercial real estate ​ 5,337 ​ 5,952 ​ — Multifamily ​ 354 ​ 398 ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — Land and land development ​ ​ — ​ ​ — ​ ​ — Commercial business ​ ​ 1,007 ​ ​ 1,189 ​ ​ — SBA commercial business ​ 221 ​ 532 ​ — Consumer ​ ​ 93 ​ ​ 81 ​ ​ — ​ ​ $ 10,167 ​ $ 11,658 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — Commercial real estate ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,388 ​ ​ 2,919 ​ ​ 290 Multifamily ​ — ​ — ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ — ​ — ​ — SBA commercial business ​ ​ 870 ​ ​ 1,349 ​ ​ 674 Consumer ​ 145 ​ 145 ​ — ​ ​ $ 3,403 ​ $ 4,413 ​ $ 964 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ Residential real estate ​ $ 2,248 ​ $ 2,524 ​ $ — Commercial real estate ​ 907 ​ 982 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,725 ​ 8,871 ​ 290 Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ ​ 1,007 ​ ​ 1,189 ​ ​ — SBA commercial business ​ 1,091 ​ 1,881 ​ 674 Consumer ​ ​ 238 ​ ​ 226 ​ ​ — ​ ​ $ 13,570 ​ $ 16,071 ​ $ 964 ​
Schedule of nonperforming loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ At September 30, 2022 ​ ​ ​ ​ ​ 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 ​ $ 1,946 ​ $ — ​ $ 1,946 ​ $ 1,213 ​ $ — ​ $ 1,213 Commercial real estate ​ 498 ​ — ​ ​ 498 ​ ​ 516 ​ ​ — ​ 516 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,445 ​ — ​ ​ 7,445 ​ ​ 7,725 ​ ​ — ​ 7,725 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Commercial business ​ ​ 74 ​ ​ — ​ ​ 74 ​ ​ 73 ​ ​ — ​ ​ 73 SBA commercial business ​ 1,249 ​ — ​ ​ 1,249 ​ ​ 1,091 ​ ​ — ​ 1,091 Consumer ​ ​ 311 ​ ​ — ​ ​ 311 ​ ​ 238 ​ ​ — ​ ​ 238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 11,523 ​ $ — ​ $ 11,523 ​ $ 10,856 ​ $ — ​ $ 10,856 ​
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 ​ $ 1,508 ​ $ 229 ​ $ 715 ​ $ 2,452 ​ $ 412,741 ​ $ 415,193 Commercial real estate ​ 259 ​ — ​ ​ 498 ​ ​ 757 ​ ​ 178,257 ​ 179,014 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 735,430 ​ ​ 735,430 SBA commercial real estate ​ 262 ​ 6 ​ ​ 3,172 ​ ​ 3,440 ​ ​ 51,197 ​ 54,637 Multifamily ​ — ​ — ​ ​ — ​ ​ — ​ ​ 32,514 ​ 32,514 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 21,180 ​ ​ 21,180 Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ 4,596 ​ 4,596 Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ 11,067 ​ 11,067 Commercial business ​ ​ 65 ​ ​ — ​ ​ 47 ​ ​ 112 ​ ​ 92,317 ​ ​ 92,429 SBA commercial business ​ — ​ — ​ ​ 805 ​ ​ 805 ​ ​ 20,006 ​ 20,811 Consumer ​ ​ 3 ​ ​ — ​ ​ 54 ​ ​ 57 ​ ​ 38,438 ​ ​ 38,495 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 2,097 ​ $ 235 ​ $ 5,291 ​ $ 7,623 ​ $ 1,597,743 ​ $ 1,605,366 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ — ​ — ​ — ​ — ​ 676,593 ​ 676,593 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 ​ $ 1,489,277 ​ $ 1,495,283 ​
Schedule of investment in loans by risk category	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 413,063 ​ $ — ​ $ 1,955 ​ $ 175 ​ $ — ​ $ 415,193 Commercial real estate ​ 178,306 ​ — ​ 708 ​ — ​ — ​ 179,014 Single tenant net lease ​ 735,430 ​ — ​ — ​ — ​ — ​ 735,430 SBA commercial real estate ​ 46,070 ​ 1,123 ​ 5,805 ​ 1,639 ​ — ​ 54,637 Multifamily ​ 32,514 ​ — ​ — ​ — ​ — ​ 32,514 Residential construction ​ 21,180 ​ — ​ — ​ — ​ — ​ 21,180 Commercial construction ​ 4,596 ​ — ​ — ​ — ​ — ​ 4,596 Land and land development ​ 11,067 ​ — ​ — ​ — ​ — ​ 11,067 Commercial business ​ 92,217 ​ 125 ​ 87 ​ — ​ — ​ 92,429 SBA commercial business ​ 17,248 ​ 850 ​ 2,669 ​ 44 ​ — ​ 20,811 Consumer ​ 38,406 ​ — ​ 89 ​ — ​ — ​ 38,495 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,590,097 ​ $ 2,098 ​ $ 11,313 ​ $ 1,858 ​ $ — ​ $ 1,605,366 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ ​ 676,593 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 676,593 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 ​ $ 1,479,457 ​ $ 1,677 ​ $ 12,273 ​ $ 1,876 ​ $ — ​ $ 1,495,283 ​
Summary of information regarding TDRs that were restructured	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Accruing Nonaccrual Total ​ ​ (In thousands) December 31, 2022: ​ ​ ​ Residential real estate ​ $ 1,021 ​ $ — ​ $ 1,021 Commercial real estate ​ ​ 383 ​ ​ 420 ​ ​ 803 SBA commercial real estate ​ — ​ 1,604 ​ 1,604 Multifamily ​ ​ 346 ​ ​ — ​ ​ 346 Commercial business ​ 830 ​ — ​ 830 SBA commercial business ​ — ​ 262 ​ 262 Total ​ $ 2,580 ​ $ 2,286 ​ $ 4,866 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​
SBA loan servicing rights
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 ​ ​ (In thousands) Balance, beginning of period ​ $ 3,790 ​ $ 4,447 Servicing rights capitalized ​ 198 ​ 346 Amortization ​ (195) ​ (288) Direct write-offs ​ ​ (141) ​ ​ (35) Change in valuation allowance ​ (351) ​ (41) Balance, end of period ​ $ 3,301 ​ $ 4,429 ​
Mortgage servicing rights
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Fair value, beginning of period ​ $ 63,263 ​ $ 49,579 Servicing rights capitalized ​ ​ 142 ​ ​ 4,504 Changes in fair value related to: ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (1,023) ​ ​ (2,492) Change in valuation model inputs or assumptions ​ ​ (217) ​ ​ 3,167 Balance, end of period ​ $ 62,165 ​ $ 54,758 ​
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ ​ ​ Range of Assumption Range of Assumption ​ ​ (Weighted Average) ​ (Weighted Average) Assumption December 31, 2022 September 30, 2022 Discount rate 9.50% to 14.50% (9.52%) 9.50% to 14.50% (9.51%) Prepayment rate 3.75% to 85.80% (6.69%) 6.01% to 74.89% (6.63%) ​
Nonresidential MSR
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 ​ ​ (In thousands) ​ ​ ​ ​ ​ Balance, beginning of period ​ $ 141 ​ $ — Servicing rights capitalized ​ — ​ — Amortization ​ (9) ​ — Direct write-offs ​ — ​ — Change in valuation allowance ​ — ​ — Balance, end of period ​ $ 132 ​ $ — ​

Deposits (Tables)

Deposits (Tables)	3 Months Ended
	Dec. 31, 2022
Deposits.
Schedule of deposits	​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, September 30, ​ ​ 2022 ​ 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 315,390 ​ $ 340,172 NOW accounts ​ 345,597 ​ 343,296 Money market accounts ​ 243,443 ​ 238,219 Savings accounts ​ 170,732 ​ 171,779 Retail time deposits ​ 136,515 ​ 129,864 Brokered & reciprocal time deposits ​ 326,164 ​ 292,504 Total ​ $ 1,537,841 ​ $ 1,515,834

Supplemental Disclosure for N_2

Supplemental Disclosure for Net Income Per Share (Tables)	3 Months Ended
	Dec. 31, 2022
Supplemental Disclosure for Net Income Per Share
Schedule of net income per share information	Net income per share information is presented below for the three -month periods ended December 31, 2022 and 2021. All share and per share amounts have been adjusted to reflect the three-for-one stock split effective September 15, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, (In thousands, except share and per share data) 2022 2021 Basic: ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 2,871 ​ $ 4,305 Shares: ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,915,909 ​ 7,116,790 ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.42 ​ $ 0.60 ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ Earnings: ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 2,871 ​ $ 4,305 Shares: ​ ​ Weighted average common shares outstanding, basic ​ 6,915,909 ​ 7,116,790 Add: Dilutive effect of outstanding options ​ 53,229 ​ 81,177 Add: Dilutive effect of restricted stock ​ 2,917 ​ 9,243 Weighted average common shares outstanding, as adjusted ​ 6,972,055 ​ 7,207,210 ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.41 ​ $ 0.60 ​

Supplemental Disclosures of C_2

Supplemental Disclosures of Cash Flow Information (Tables)	3 Months Ended
	Dec. 31, 2022
Supplemental Disclosures of Cash Flow Information
Schedule of supplemental disclosure of cash flow information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, ​ 2022 2021 ​ ​ (In thousands) Cash payments for: ​ ​ ​ ​ ​ Interest ​ $ 6,540 ​ $ 1,866 Income taxes (net of refunds received) ​ (117) ​ (5)

Fair Value Measurements and D_2

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments (Tables)	3 Months Ended
	Dec. 31, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Schedule of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ Assets Measured – Recurring Basis: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ — ​ $ 27,908 ​ $ — ​ $ 27,908 Agency mortgage-backed ​ ​ — ​ ​ 27,161 ​ ​ — ​ ​ 27,161 Agency CMO ​ — ​ 13,920 ​ — ​ 13,920 Privately-issued CMO ​ — ​ 429 ​ — ​ 429 Privately-issued ABS ​ — ​ 527 ​ — ​ 527 SBA certificates ​ — ​ 11,788 ​ — ​ 11,788 Municipal ​ — ​ 247,430 ​ — ​ 247,430 Total securities available for sale ​ $ — ​ $ 329,163 ​ $ — ​ $ 329,163 Residential mortgage loans held for sale ​ $ — ​ $ 20,675 ​ $ — ​ $ 20,675 Derivative assets (included in other assets) ​ $ — ​ $ 79 ​ $ 377 ​ $ 456 Equity securities (included in other assets) ​ $ 117 ​ $ — ​ $ — ​ $ 117 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 62,165 ​ $ 62,165 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 95 ​ $ 15 ​ $ 110 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis: ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ — Commercial real estate ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 2,576 ​ ​ 2,576 Multifamily ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ 20 ​ 20 SBA commercial business ​ ​ — ​ ​ — ​ ​ 389 ​ ​ 389 Consumer ​ — ​ — ​ — ​ — Total impaired loans ​ $ — ​ $ — ​ $ 2,985 ​ $ 2,985 SBA loan servicing rights ​ $ — ​ $ — ​ $ 3,301 ​ $ 3,301 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills and 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 ​ $ — ​ $ 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 ​ ​ ​ ​ Collateral dependent 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 ​
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 three -month periods ended December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, (In thousands) ​ 2022 2021 ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ (238) ​ $ 1,567 Unrealized gains recognized in earnings, net of settlements ​ 600 ​ 173 ​ ​ ​ ​ ​ ​ Ending balance ​ $ 362 ​ $ 1,740 ​
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 December 31, 2022 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ Range of Inputs ​ ​ Significant ​ (Weighted Average) ​ (Weighted Average) ​ Unobservable December 31, September 30, Financial Instrument ​ Inputs ​ 2022 ​ 2022 ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 31% - 100% (68%) 50% - 100% (78%) ​ ​ Direct costs to close 0.00% - 5.10% (0.50%) 0.00% - 4.00% (0.70%) ​
Schedule of aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale	The table below presents the difference between the aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale for which the fair value option had been elected as of December 31, 2022 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ December 31, ​ December 31, ​ ​ ​ (In thousands) 2022 ​ 2022 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 20,675 ​ $ 20,196 ​ $ 479 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate ​ Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ September 30, ​ September 30, ​ ​ ​ (In thousands) 2022 2022 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 38,579 ​ $ 38,517 ​ $ 62 ​
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 three- month periods ended December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, (In thousands) ​ 2022 2021 ​ ​ ​ ​ ​ ​ ​ Gains – included in mortgage banking income ​ $ 668 ​ $ 1,623 Interest income ​ 428 ​ 994 ​ ​ ​ ​ ​ ​ ​ ​ $ 1,096 ​ $ 2,617 ​
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: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) December 31, 2022: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 25,226 ​ $ 25,226 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 13,052 ​ 13,052 ​ — ​ — Interest-bearing time deposits ​ 1,854 ​ — ​ 1,854 ​ — Securities available for sale ​ 329,163 ​ — ​ 329,163 ​ — Securities held to maturity ​ 1,520 ​ — ​ 1,548 ​ — Residential mortgage loans held for sale ​ 20,675 ​ ​ — ​ ​ 20,675 ​ — Single tenant net lease loans held for sale ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA loans held for sale ​ ​ 23,606 ​ ​ — ​ ​ — ​ ​ 25,603 Loans, net ​ 1,582,940 ​ — ​ — ​ 1,489,154 FRB and FHLB stock ​ 21,564 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 10,436 ​ — ​ 10,436 ​ — Residential mortgage loan servicing rights ​ ​ 62,165 ​ ​ — ​ ​ — ​ ​ 62,165 Nonresidential mortgage loan servicing rights ​ ​ 132 ​ ​ — ​ ​ — ​ ​ 132 SBA loan servicing rights ​ 3,301 ​ — ​ — ​ 3,301 Derivative assets (included in other assets) ​ 456 ​ — ​ 79 ​ 377 Equity securities (included in other assets) ​ ​ 117 ​ ​ 117 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ 1,537,841 ​ — ​ — ​ 1,533,129 Borrowings from FHLB ​ 377,643 ​ — ​ 372,776 ​ — Subordinated note ​ 50,274 ​ — ​ 48,819 ​ — Other borrowings ​ 45,184 ​ — ​ 45,184 ​ — Accrued interest payable ​ 1,984 ​ — ​ 1,984 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 695 ​ ​ — ​ ​ 695 ​ ​ — Derivative liabilities (included in other liabilities) ​ 110 ​ — ​ 95 ​ 15 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) 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 ​ 1,474,544 ​ — ​ — ​ 1,402,222 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 SBA loan servicing rights ​ 3,790 ​ — ​ — ​ 3,789 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 ​ — Other borrowings ​ ​ 37,989 ​ ​ — ​ ​ — ​ ​ 37,989 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

Stock Based Compensation Plans

Stock Based Compensation Plans (Tables)	3 Months Ended
	Dec. 31, 2022
Stock Based Compensation Plans
Schedule of fair value of options granted	The fair value of options granted during the three-month period ended December 31, 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 ​ ​
Schedule of stock option activity	A summary of stock option activity as of December 31, 2022, and changes during the three-month period then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Remaining ​ ​ ​ ​ ​ ​ ​ Weighted ​ Contractual ​ Aggregate ​ ​ Number of ​ Average ​ Term ​ Intrinsic ​ ​ Shares ​ Exercise Price ​ (Years) ​ Value ​ ​ (Dollars in thousands, except per share data) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Outstanding at beginning of period 351,369 ​ $ 20.57 ​ ​ ​ ​ ​ Granted 66,000 ​ ​ 22.49 ​ ​ ​ Exercised — ​ — ​ ​ ​ Forfeited or expired — ​ — ​ ​ ​ Outstanding at end of period 417,369 ​ $ 20.87 7.0 ​ $ 867 Vested and expected to vest 417,369 ​ $ 20.87 7.0 ​ $ 867 Exercisable at end of period 223,830 ​ $ 17.77 5.4 ​ $ 866 ​
Schedule of nonvested restricted shares activity	A summary of the Company’s nonvested restricted shares activity as of December 31, 2022 and changes during the three-month period then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ Number ​ Average ​ ​ of ​ Grant Date ​ ​ Shares ​ Fair Value Nonvested at October 1, 2022 51,324 ​ $ 26.07 Granted 22,000 ​ $ 22.49 Vested (16,408) ​ $ 25.68 Forfeited — ​ $ — Nonvested at December 31, 2022 56,916 ​ $ 24.80 ​

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	3 Months Ended
	Dec. 31, 2022
Derivative Financial Instruments
Schedule of derivative financial instruments	The tables below provide information on the Company’s derivative financial instruments as of December 31, 2022 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Notional Asset Liability ​ ​ Amount ​ Derivatives ​ Derivatives (In thousands) ​ December 31, 2022 ​ December 31, 2022 ​ December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 42,369 ​ $ 377 ​ $ 15 Forward mortgage loan sale contracts ​ 26,500 ​ 79 ​ 95 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 68,869 ​ $ 456 ​ $ 110 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Notional Asset Liability ​ ​ Amount ​ Derivatives ​ Derivatives ​ ​ September 30, ​ September 30, ​ September 30, (In thousands) ​ 2022 ​ 2022 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 48,952 ​ $ 158 ​ $ 396 Forward mortgage loan sale contracts ​ 60,000 ​ 872 ​ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 108,952 ​ $ 1,030 ​ $ 427 ​
Schedule of Income (loss) related to derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 599 ​ $ 173 Forward mortgage loan sale contracts ​ (545) ​ 695 ​ ​ ​ ​ ​ ​ ​ ​ $ 54 ​ $ 868

Regulatory Capital (Tables)

Regulatory Capital (Tables)	3 Months Ended
	Dec. 31, 2022
Regulatory Capital
Schedule of actual capital amounts and ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To Be Well ​ Minimum ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ For Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes: ​ Action Provisions: ​ Amount Ratio Amount Ratio Amount Ratio ​ ​ (Dollars in thousands) ​ As of December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 227,650 12.01 % $ 151,625 8.00 % ​ N/A N/A ​ Bank ​ 215,966 11.41 ​ 151,418 8.00 ​ $ 189,273 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 161,296 8.51 % $ 113,719 6.00 % N/A N/A ​ Bank ​ 199,886 10.56 ​ 113,564 6.00 ​ $ 151,418 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 161,296 8.51 % $ 85,289 4.50 % N/A N/A ​ Bank ​ 199,886 10.56 ​ 85,173 4.50 ​ $ 123,027 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 161,296 7.55 % $ 85,455 4.00 % N/A N/A ​ Bank ​ 199,886 9.35 ​ 85,505 4.00 ​ $ 106,881 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2022 (As Restated): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 224,895 12.33 % $ 145,973 8.00 % ​ N/A N/A ​ Bank ​ 208,280 11.44 ​ 145,713 8.00 ​ $ 182,141 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,318 8.73 % $ 109,480 6.00 % N/A N/A ​ Bank ​ 192,920 10.59 ​ 109,285 6.00 ​ $ 145,713 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,318 8.73 % $ 82,110 4.50 % N/A N/A ​ Bank ​ 192,920 10.59 ​ 81,963 4.50 ​ $ 118,392 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 159,318 7.96 % $ 80,031 4.00 % N/A N/A ​ Bank ​ 192,920 9.58 ​ 80,555 4.00 ​ $ 100,693 5.00 %

Segment Reporting (Tables)

Segment Reporting (Tables)	3 Months Ended
	Dec. 31, 2022
Segment Reporting
Schedule of sum of the segment amounts and consolidated totals	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals ​ ​ (In thousands) Three Months Ended December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 15,008 ​ $ 995 ​ $ 258 ​ $ 16,261 Provision for loan losses ​ ​ 701 ​ ​ 283 ​ ​ — ​ ​ 984 Net interest income after provision ​ ​ 14,307 ​ ​ 712 ​ ​ 258 ​ ​ 15,277 Net gains on sales of loans, SBA ​ — ​ 775 ​ — ​ 775 Mortgage banking income ​ (10) ​ — ​ 2,506 ​ 2,496 Noninterest income ​ 1,928 ​ 754 ​ 2,506 ​ 5,188 Noninterest expense ​ 9,797 ​ 1,924 ​ 5,790 ​ 17,511 Income (loss) before taxes ​ 6,438 ​ (458) ​ (3,026) ​ 2,954 Income tax expense (benefit) ​ 996 ​ (107) ​ (756) ​ 83 Segment profit (loss) ​ 5,492 ​ (351) ​ (2,270) ​ 2,871 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 601 ​ ​ 5 ​ ​ 27 ​ ​ 633 Segment assets at December 31, 2022 ​ 2,005,780 ​ 100,304 ​ 90,835 ​ 2,196,919 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals ​ ​ (In thousands) Three Months Ended December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 11,495 ​ $ 1,875 ​ $ 533 ​ $ 13,903 Provision (credit) for loan losses ​ (144) ​ 670 ​ — ​ 526 Net interest income after provision ​ 11,639 ​ 1,205 ​ 533 ​ 13,377 Net gains on sales of loans, SBA ​ — ​ 1,636 ​ — ​ 1,636 Mortgage banking income ​ (4) ​ — ​ 12,748 ​ 12,744 Noninterest income ​ 1,942 ​ 1,901 ​ 12,748 ​ 16,591 Noninterest expense ​ 9,582 ​ 2,236 ​ 13,134 ​ 24,852 Income before taxes ​ 4,099 ​ 870 ​ 147 ​ 5,116 Income tax expense ​ ​ 500 ​ ​ 265 ​ ​ 46 ​ ​ 811 Segment profit ​ ​ 3,599 ​ ​ 605 ​ ​ 101 ​ ​ 4,305 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 550 ​ ​ 8 ​ ​ 48 ​ ​ 606 Segment assets at December 31, 2021 ​ 1,421,680 ​ 157,481 ​ 185,428 ​ 1,764,589

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	3 Months Ended
	Dec. 31, 2022
Revenue from Contracts with Customers
Schedule of sources of noninterest income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, ​ 2022 2021 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 558 ​ $ 434 ATM and interchange fees ​ 739 ​ 679 Investment advisory income ​ 128 ​ 188 Other ​ 25 ​ 24 Revenue from contracts with customers subject to ASC 606 ​ 1,450 ​ 1,325 ​ ​ ​ ​ ​ ​ ​ Gain on sale of SBA loans ​ 775 ​ 1,636 Mortgage banking income ​ 2,496 ​ 12,744 Increase in cash value of life insurance ​ 225 ​ 254 Real estate lease income ​ 117 ​ 148 Other ​ ​ 125 ​ ​ 484 Other noninterest income ​ 3,738 ​ 15,266 ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 5,188 ​ $ 16,591 ​

Mortgage Banking Income (Tables

Mortgage Banking Income (Tables)	3 Months Ended
	Dec. 31, 2022
Mortgage Banking Income
Schedule of components of mortgage banking income	​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ December 31, ​ ​ 2022 2021 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ 732 ​ $ 4,655 Mortgage brokerage income ​ 43 ​ 331 Net change in fair value of loans held for sale and interest rate lock commitments ​ 1,267 ​ (222) Realized and unrealized gains (losses) from forward sales commitments ​ (545) ​ 695 Capitalized residential mortgage loan servicing rights ​ 142 ​ 4,504 Net change in fair value of residential mortgage loan servicing rights ​ (1,240) ​ 675 Provisions for loan repurchases and indemnifications ​ (328) ​ (14) Net loan servicing income ​ 2,425 ​ 2,120 Total mortgage banking income ​ $ 2,496 ​ $ 12,744 (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

Presentation of Interim Infor_2

Presentation of Interim Information (Details) - USD ($)	3 Months Ended
	Dec. 31, 2022	Sep. 30, 2022
Presentation of Interim Information
Allowance for loan losses	$ 16,080,000	$ 15,360,000
Allowance for loan losses, qualitative factor adjustments	14,100,000	$ 13,400,000
Minimum estimated value of property	$ 250,000
Minimum [Member]
Presentation of Interim Information
Lookback period	24 months
Maximum [Member]
Presentation of Interim Information
Lookback period	48 months

Investment Securities - Amortiz

Investment Securities - Amortized cost of securities available for sale and held to maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Securities available for sale:
Amortized Cost	$ 353,214	$ 350,794
Gross Unrealized Gain	939	191
Gross Unrealized Losses	24,990	34,468
Securities available for sale	329,163	316,517
Securities held to maturity:
Amortized Cost	1,520	1,558
Gross Unrealized Gain	28	35
Fair Value	1,548	1,593
U.S. Treasury bills and notes
Securities available for sale:
Amortized Cost	31,327	30,809
Gross Unrealized Losses	3,419	3,514
Securities available for sale	27,908	27,295
Agency mortgage-backed
Securities available for sale:
Amortized Cost	30,139	30,786
Gross Unrealized Gain	3	3
Gross Unrealized Losses	2,981	3,289
Securities available for sale	27,161	27,500
Securities held to maturity:
Amortized Cost	42	45
Fair Value	42	45
Agency CMO
Securities available for sale:
Amortized Cost	14,924	15,562
Gross Unrealized Losses	1,004	741
Securities available for sale	13,920	14,821
Privately-issued CMO
Securities available for sale:
Amortized Cost	457	495
Gross Unrealized Gain	3	4
Gross Unrealized Losses	31	29
Securities available for sale	429	470
Privately-issued ABS
Securities available for sale:
Amortized Cost	519	561
Gross Unrealized Gain	16	16
Gross Unrealized Losses	8	8
Securities available for sale	527	569
SBA certificates
Securities available for sale:
Amortized Cost	12,094	12,255
Gross Unrealized Gain		1
Gross Unrealized Losses	306	244
Securities available for sale	11,788	12,012
Municipal bonds
Securities available for sale:
Amortized Cost	263,754	260,326
Gross Unrealized Gain	917	167
Gross Unrealized Losses	17,241	26,643
Securities available for sale	247,430	233,850
Securities held to maturity:
Amortized Cost	1,478	1,513
Gross Unrealized Gain	28	35
Fair Value	$ 1,506	$ 1,548

Investment Securities - Amort_2

Investment Securities - Amortized cost and fair value of investment securities by contractual maturity - Securities available for sale (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Available for Sale - Amortized Cost
Amortized Cost	$ 353,214	$ 350,794
Available for Sale - Fair Value
Fair Value	329,163	316,517
Municipal bonds
Available for Sale - Amortized Cost
Due within one year	11,725
Due after one year through five years	23,467
Due after five years through ten years	70,249
Due after ten years	189,640
Amortized Cost	263,754	260,326
Available for Sale - Fair Value
Due within one year	11,694
Due after one year through five years	23,408
Due after five years through ten years	66,736
Due after ten years	173,500
Fair Value	247,430	233,850
CMO
Available for Sale - Amortized Cost
Without single maturity date	15,381
Available for Sale - Fair Value
Without single maturity date	14,349
ABS
Available for Sale - Amortized Cost
Without single maturity date	519
Available for Sale - Fair Value
Without single maturity date	527
SBA certificates
Available for Sale - Amortized Cost
Without single maturity date	12,094
Amortized Cost	12,094	12,255
Available for Sale - Fair Value
Without single maturity date	11,788
Fair Value	11,788	$ 12,012
Mortgage-backed securities
Available for Sale - Amortized Cost
Without single maturity date	30,139
Available for Sale - Fair Value
Without single maturity date	$ 27,161

Investment Securities - Amort_3

Investment Securities - Amortized cost and fair value of investment securities by contractual maturity - Held to maturity securities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Held to Maturity - Amortized Cost
Amortized Cost	$ 1,520
Held to Maturity - Fair Value
Fair Value	1,548	$ 1,593
Municipal bonds
Held to Maturity - Amortized Cost
Due within one year	249
Due after one year through five years	755
Due after five years through ten years	474
Held to Maturity - Fair Value
Due within one year	252
Due after one year through five years	769
Due after five years through ten years	485
Fair Value	1,506	$ 1,548
Mortgage-backed securities
Held to Maturity - Amortized Cost
Without single maturity date	42
Held to Maturity - Fair Value
Without single maturity date	$ 42

Investment Securities - Investm

Investment Securities - Investment securities with gross unrealized losses (Details) $ in Thousands	Dec. 31, 2022 USD ($) position	Sep. 30, 2022 USD ($) position
Fair Value
Continuous loss position less than twelve months	$ 233,192	$ 265,379
Continuous loss position more than twelve months	13,398	11,135
Total securities available for sale	$ 246,590	$ 276,514
Number of Investment Positions
Continuous loss position less than twelve months | position	235	295
Continuous loss position more than twelve months | position	17	14
Total securities available for sale | position	252	309
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 22,217	$ 31,981
Continuous loss position more than twelve months	2,773	2,487
Total securities available for sale	24,990	34,468
U.S. Treasury bills
Fair Value
Continuous loss position less than twelve months	$ 27,668	$ 27,295
Number of Investment Positions
Continuous loss position less than twelve months | position	8	7
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 3,419	$ 3,514
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months	23,650	24,987
Continuous loss position more than twelve months	$ 3,056	$ 2,169
Number of Investment Positions
Continuous loss position less than twelve months | position	12	14
Continuous loss position more than twelve months | position	1	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 2,236	$ 2,749
Continuous loss position more than twelve months	745	540
Agency CMO
Fair Value
Continuous loss position less than twelve months	11,709	8,896
Continuous loss position more than twelve months	$ 2,211	$ 1,199
Number of Investment Positions
Continuous loss position less than twelve months | position	11	12
Continuous loss position more than twelve months | position	4	2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 626	$ 551
Continuous loss position more than twelve months	378	190
Privately-issued CMO
Fair Value
Continuous loss position less than twelve months	405	424
Continuous loss position more than twelve months	$ 262	$ 19
Number of Investment Positions
Continuous loss position less than twelve months | position	1	2
Continuous loss position more than twelve months | position	1	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 31	$ 20
Continuous loss position more than twelve months	$ 8	9
Privately-issued ABS
Fair Value
Continuous loss position more than twelve months		$ 283
Number of Investment Positions
Continuous loss position more than twelve months | position	1	1
Gross Unrealized Losses
Continuous loss position more than twelve months		$ 8
SBA certificates
Fair Value
Continuous loss position less than twelve months	$ 10,749	10,775
Continuous loss position more than twelve months	$ 1,039	$ 1,202
Number of Investment Positions
Continuous loss position less than twelve months | position	2	1
Continuous loss position more than twelve months | position	2	2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 285	$ 225
Continuous loss position more than twelve months	21	19
Municipal bonds
Fair Value
Continuous loss position less than twelve months	159,011	193,002
Continuous loss position more than twelve months	$ 6,830	$ 6,263
Number of Investment Positions
Continuous loss position less than twelve months | position	201	259
Continuous loss position more than twelve months | position	9	7
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 15,620	$ 24,922
Continuous loss position more than twelve months	$ 1,621	$ 1,721

Investment Securities - Additio

Investment Securities - Additional Information (Details)	3 Months Ended
	Dec. 31, 2022 USD ($) position	Sep. 30, 2022 USD ($) position
Investment Securities
Continuous loss position more than twelve months | position	17	14
Available for sale debt securities with total fair value, pledged to secure FHLB borrowings	$ 57,600,000	$ 58,600,000
Debt Securities
Investment Securities
Available for sale debt securities in loss position, depreciation percentage	90%
Debt Securities | Downgraded Due To Potential Credit Losses
Investment Securities
Carrying value of downgraded due to potential credit losses	$ 345,000
Debt Securities | Downgraded Privately Issued Cmos
Investment Securities
Fair market value of downgraded privately issued collateralized mortgage obligations	$ 341,000
Two privately issued collateralized mortgage obligations
Investment Securities
Available for sale debt securities in loss position, depreciation percentage	5.52%
Privately-issued CMO
Investment Securities
Continuous loss position more than twelve months | position	1	1
Investments, Fair value disclosure	$ 667,000
Total unrealized loss	39,000
Other-than-temporary impairment losses	$ 28,000
Privately-issued CMO | Two privately issued collateralized mortgage obligations
Investment Securities
Continuous loss position more than twelve months | position	5
Privately-issued ABS
Investment Securities
Continuous loss position more than twelve months | position	1	1
Agency mortgage-backed
Investment Securities
Continuous loss position more than twelve months | position	1	1

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses - Loans (Details) - USD ($)	Dec. 31, 2022	Sep. 30, 2022
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	$ 1,060,000	$ 1,052,000
Discounts on SBA loans	(4,118,000)	(4,287,000)
Allowance for loan losses	(16,080,000)	(15,360,000)
Loans, net	1,582,940,000	1,474,544,000
Commercial
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(328,000)	(304,000)
Single tenant net lease
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	108,000	47,000
Multifamily residential
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(39,000)	(40,000)
Residential construction
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(89,000)	(89,000)
Commercial construction
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(28,000)	(25,000)
Land and land development
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(11,000)	(26,000)
Commercial business
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	30,000	48,000
SBA commercial business
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	246,000	218,000
Consumer
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	(20,000)	(21,000)
Paycheck protection program
Loans and Allowance for Loan Losses
Total loans	591,000	650,000
Deferred loan origination fees and costs, net	10,000	11,000
Real estate mortgage
Loans and Allowance for Loan Losses
Total loans	1,597,960,000	1,488,852,000
Real estate mortgage | 1-4 family residential
Loans and Allowance for Loan Losses
Total loans	413,015,000	368,211,000
Real estate mortgage | Commercial
Loans and Allowance for Loan Losses
Total loans	178,770,000	169,861,000
Real estate mortgage | Single tenant net lease
Loans and Allowance for Loan Losses
Total loans	733,134,000	674,567,000
Real estate mortgage | SBA
Loans and Allowance for Loan Losses
Total loans	52,917,000	59,379,000
Real estate mortgage | Multifamily residential
Loans and Allowance for Loan Losses
Total loans	32,489,000	32,411,000
Real estate mortgage | Residential construction
Loans and Allowance for Loan Losses
Total loans	21,224,000	18,261,000
Real estate mortgage | Commercial construction
Loans and Allowance for Loan Losses
Total loans	4,612,000	5,938,000
Real estate mortgage | Land and land development
Loans and Allowance for Loan Losses
Total loans	11,054,000	11,880,000
Real estate mortgage | Commercial business
Loans and Allowance for Loan Losses
Total loans	92,025,000	90,010,000
Real estate mortgage | SBA commercial business
Loans and Allowance for Loan Losses
Total loans	20,353,000	20,282,000
Real estate mortgage | Consumer
Loans and Allowance for Loan Losses
Total loans	$ 38,367,000	$ 38,052,000

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses - Components of recorded investment (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Recorded Investment in Loans:
Principal Loan Balance	$ 1,597,960	$ 1,488,852
Accrued interest receivable	6,346	5,379
Net Deferred Loan Origination Fees and Costs	1,060	1,052
Recorded Investment in Loans	1,605,366	1,495,283
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	14,103	13,570
Collectively Evaluated for Impairment	1,591,263	1,481,713
Recorded Investment in Loans	1,605,366	1,495,283
Residential real estate
Recorded Investment in Loans:
Principal Loan Balance	413,015	368,211
Accrued interest receivable	2,035	1,701
Net Deferred Loan Origination Fees and Costs	143	136
Recorded Investment in Loans	415,193	370,048
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	2,967	2,248
Collectively Evaluated for Impairment	412,226	367,800
Recorded Investment in Loans	415,193	370,048
Commercial real estate
Recorded Investment in Loans:
Principal Loan Balance	178,770	169,861
Accrued interest receivable	572	533
Net Deferred Loan Origination Fees and Costs	(328)	(304)
Recorded Investment in Loans	179,014	170,090
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	881	907
Collectively Evaluated for Impairment	178,133	169,183
Recorded Investment in Loans	179,014	170,090
Single tenant net lease
Recorded Investment in Loans:
Principal Loan Balance	733,134	674,567
Accrued interest receivable	2,188	1,979
Net Deferred Loan Origination Fees and Costs	108	47
Recorded Investment in Loans	735,430	676,593
Recorded Investment in Loans as Evaluated for Impairment:
Collectively Evaluated for Impairment	735,430	676,593
Recorded Investment in Loans	735,430	676,593
SBA commercial real estate
Recorded Investment in Loans:
Principal Loan Balance	52,917	59,379
Accrued interest receivable	672	486
Net Deferred Loan Origination Fees and Costs	1,048	1,108
Recorded Investment in Loans	54,637	60,973
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	7,445	7,725
Collectively Evaluated for Impairment	47,192	53,248
Recorded Investment in Loans	54,637	60,973
Multifamily
Recorded Investment in Loans:
Principal Loan Balance	32,489	32,411
Accrued interest receivable	64	62
Net Deferred Loan Origination Fees and Costs	(39)	(40)
Recorded Investment in Loans	32,514	32,433
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	346	354
Collectively Evaluated for Impairment	32,168	32,079
Recorded Investment in Loans	32,514	32,433
Residential construction
Recorded Investment in Loans:
Principal Loan Balance	21,224	18,261
Accrued interest receivable	45	27
Net Deferred Loan Origination Fees and Costs	(89)	(89)
Recorded Investment in Loans	21,180	18,199
Recorded Investment in Loans as Evaluated for Impairment:
Collectively Evaluated for Impairment	21,180	18,199
Recorded Investment in Loans	21,180	18,199
Commercial construction
Recorded Investment in Loans:
Principal Loan Balance	4,612	5,938
Accrued interest receivable	12	11
Net Deferred Loan Origination Fees and Costs	(28)	(25)
Recorded Investment in Loans	4,596	5,924
Recorded Investment in Loans as Evaluated for Impairment:
Collectively Evaluated for Impairment	4,596	5,924
Recorded Investment in Loans	4,596	5,924
Land and land development
Recorded Investment in Loans:
Principal Loan Balance	11,054	11,880
Accrued interest receivable	24	18
Net Deferred Loan Origination Fees and Costs	(11)	(26)
Recorded Investment in Loans	11,067	11,872
Recorded Investment in Loans as Evaluated for Impairment:
Collectively Evaluated for Impairment	11,067	11,872
Recorded Investment in Loans	11,067	11,872
Commercial business
Recorded Investment in Loans:
Principal Loan Balance	92,025	90,010
Accrued interest receivable	374	278
Net Deferred Loan Origination Fees and Costs	30	48
Recorded Investment in Loans	92,429	90,336
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	904	1,007
Collectively Evaluated for Impairment	91,525	89,329
Recorded Investment in Loans	92,429	90,336
SBA commercial business
Recorded Investment in Loans:
Principal Loan Balance	20,353	20,282
Accrued interest receivable	212	163
Net Deferred Loan Origination Fees and Costs	246	218
Recorded Investment in Loans	20,811	20,663
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	1,249	1,091
Collectively Evaluated for Impairment	19,562	19,572
Recorded Investment in Loans	20,811	20,663
Consumer
Recorded Investment in Loans:
Principal Loan Balance	38,367	38,052
Accrued interest receivable	148	121
Net Deferred Loan Origination Fees and Costs	(20)	(21)
Recorded Investment in Loans	38,495	38,152
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	311	238
Collectively Evaluated for Impairment	38,184	37,914
Recorded Investment in Loans	$ 38,495	$ 38,152

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses - Allowance for loan losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Allowance for loan losses based on impairment method:
Individually Evaluated for Impairment	$ 825		$ 964
Collectively Evaluated for Impairment	15,255		14,396
Ending Balance	16,080	$ 14,780
Allowance for loan losses by portfolio segment :
Beginning Balance	15,360	14,301
Provisions (Credits)	984	526
Charge-Offs	(329)	(81)
Recoveries	65	34
Ending Balance	16,080	14,780
Residential real estate
Allowance for loan losses based on impairment method:
Collectively Evaluated for Impairment	3,100		2,716
Ending Balance	3,100	1,336
Allowance for loan losses by portfolio segment :
Beginning Balance	2,716	1,438
Provisions (Credits)	382	(82)
Charge-Offs		(23)
Recoveries	2	3
Ending Balance	3,100	1,336
Commercial real estate
Allowance for loan losses based on impairment method:
Collectively Evaluated for Impairment	1,751		1,590
Ending Balance	1,751	2,511
Allowance for loan losses by portfolio segment :
Beginning Balance	1,590	2,806
Provisions (Credits)	161	(295)
Ending Balance	1,751	2,511
Single tenant net lease
Allowance for loan losses based on impairment method:
Collectively Evaluated for Impairment	3,804		3,838
Ending Balance	3,804	2,767
Allowance for loan losses by portfolio segment :
Beginning Balance	3,838	2,422
Provisions (Credits)	(34)	345
Ending Balance	3,804	2,767
SBA commercial real estate
Allowance for loan losses based on impairment method:
Individually Evaluated for Impairment	83		290
Collectively Evaluated for Impairment	2,315		2,288
Ending Balance	2,398	3,722
Allowance for loan losses by portfolio segment :
Beginning Balance	2,578	3,475
Provisions (Credits)	(106)	267
Charge-Offs	(74)	(20)
Ending Balance	2,398	3,722
Multifamily
Allowance for loan losses based on impairment method:
Collectively Evaluated for Impairment	252		251
Ending Balance	252	441
Allowance for loan losses by portfolio segment :
Beginning Balance	251	518
Provisions (Credits)	1	(77)
Ending Balance	252	441
Residential construction
Allowance for loan losses based on impairment method:
Collectively Evaluated for Impairment	367		305
Ending Balance	367	209
Allowance for loan losses by portfolio segment :
Beginning Balance	305	191
Provisions (Credits)	62	18
Ending Balance	367	209
Commercial construction
Allowance for loan losses based on impairment method:
Collectively Evaluated for Impairment	83		107
Ending Balance	83	80
Allowance for loan losses by portfolio segment :
Beginning Balance	107	63
Provisions (Credits)	(24)	17
Ending Balance	83	80
Land and land development
Allowance for loan losses based on impairment method:
Collectively Evaluated for Impairment	200		212
Ending Balance	200	221
Allowance for loan losses by portfolio segment :
Beginning Balance	212	235
Provisions (Credits)	(12)	(14)
Ending Balance	200	221
Commercial business
Allowance for loan losses based on impairment method:
Individually Evaluated for Impairment	28
Collectively Evaluated for Impairment	1,227		1,193
Ending Balance	1,255	1,240
Allowance for loan losses by portfolio segment :
Beginning Balance	1,193	1,284
Provisions (Credits)	32	(44)
Recoveries	30
Ending Balance	1,255	1,240
SBA commercial business
Allowance for loan losses based on impairment method:
Individually Evaluated for Impairment	714		674
Collectively Evaluated for Impairment	1,624		1,448
Ending Balance	2,338	1,769
Allowance for loan losses by portfolio segment :
Beginning Balance	2,122	1,346
Provisions (Credits)	390	401
Charge-Offs	(190)
Recoveries	16	22
Ending Balance	2,338	1,769
Consumer
Allowance for loan losses based on impairment method:
Collectively Evaluated for Impairment	532		$ 448
Ending Balance	532	484
Allowance for loan losses by portfolio segment :
Beginning Balance	448	523
Provisions (Credits)	132	(10)
Charge-Offs	(65)	(38)
Recoveries	17	9
Ending Balance	$ 532	$ 484

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	$ 12,312		$ 10,167
Loans with no related allowance recorded, Unpaid Principal Balance	14,720		11,658
Loans with no related allowance recorded, Related Allowance			0
Loans with no related allowance recorded, Average Recorded Investment	13,190	$ 15,153
Loans with no related allowance recorded, Interest Income Recognized	39	25
Loans with an allowance recorded, Recorded Investment	1,791		3,403
Loans with an allowance recorded, Unpaid Principal Balance	2,159		4,413
Loans with an allowance recorded, Related Allowance	825		964
Loans with an allowance recorded, Average Recorded Investment	3,183	1,635
Total, Recorded Investment	14,103		13,570
Total, Unpaid Principal Balance	16,879		16,071
Total, Related Allowance	825		964
Total, Average Recorded Investment	16,373	16,788
Total, Interest Income Recognized	39	25
Residential real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	2,967		2,248
Loans with no related allowance recorded, Unpaid Principal Balance	3,257		2,524
Loans with no related allowance recorded, Related Allowance			0
Loans with no related allowance recorded, Average Recorded Investment	2,891	3,444
Loans with no related allowance recorded, Interest Income Recognized	15	16
Loans with an allowance recorded, Recorded Investment			0
Loans with an allowance recorded, Unpaid Principal Balance			0
Loans with an allowance recorded, Related Allowance			0
Loans with an allowance recorded, Average Recorded Investment		253
Total, Recorded Investment	2,967		2,248
Total, Unpaid Principal Balance	3,257		2,524
Total, Related Allowance			0
Total, Average Recorded Investment	2,891	3,697
Total, Interest Income Recognized	15	16
Commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	881		907
Loans with no related allowance recorded, Unpaid Principal Balance	959		982
Loans with no related allowance recorded, Related Allowance			0
Loans with no related allowance recorded, Average Recorded Investment	971	1,079
Loans with no related allowance recorded, Interest Income Recognized	7	7
Loans with an allowance recorded, Recorded Investment			0
Loans with an allowance recorded, Unpaid Principal Balance			0
Loans with an allowance recorded, Related Allowance			0
Total, Recorded Investment	881		907
Total, Unpaid Principal Balance	959		982
Total, Related Allowance			0
Total, Average Recorded Investment	971	1,079
Total, Interest Income Recognized	7	7
Single tenant net lease
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			0
Loans with no related allowance recorded, Unpaid Principal Balance			0
Loans with no related allowance recorded, Related Allowance			0
Loans with an allowance recorded, Recorded Investment			0
Loans with an allowance recorded, Unpaid Principal Balance			0
Loans with an allowance recorded, Related Allowance			0
Total, Recorded Investment			0
Total, Unpaid Principal Balance			0
Total, Related Allowance			0
SBA commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	6,881		5,337
Loans with no related allowance recorded, Unpaid Principal Balance	8,115		5,952
Loans with no related allowance recorded, Related Allowance			0
Loans with no related allowance recorded, Average Recorded Investment	7,033	8,102
Loans with an allowance recorded, Recorded Investment	564		2,388
Loans with an allowance recorded, Unpaid Principal Balance	587		2,919
Loans with an allowance recorded, Related Allowance	83		290
Loans with an allowance recorded, Average Recorded Investment	1,665	1,025
Total, Recorded Investment	7,445		7,725
Total, Unpaid Principal Balance	8,702		8,871
Total, Related Allowance	83		290
Total, Average Recorded Investment	8,698	9,127
Multifamily
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	346		354
Loans with no related allowance recorded, Unpaid Principal Balance	389		398
Loans with no related allowance recorded, Related Allowance			0
Loans with no related allowance recorded, Average Recorded Investment	393	428
Loans with no related allowance recorded, Interest Income Recognized	5
Loans with an allowance recorded, Recorded Investment			0
Loans with an allowance recorded, Unpaid Principal Balance			0
Loans with an allowance recorded, Related Allowance			0
Total, Recorded Investment	346		354
Total, Unpaid Principal Balance	389		398
Total, Related Allowance			0
Total, Average Recorded Investment	393	428
Total, Interest Income Recognized	5
Residential construction
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			0
Loans with no related allowance recorded, Unpaid Principal Balance			0
Loans with no related allowance recorded, Related Allowance			0
Loans with an allowance recorded, Recorded Investment			0
Loans with an allowance recorded, Unpaid Principal Balance			0
Loans with an allowance recorded, Related Allowance			0
Total, Recorded Investment			0
Total, Unpaid Principal Balance			0
Total, Related Allowance			0
Commercial construction
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			0
Loans with no related allowance recorded, Unpaid Principal Balance			0
Loans with no related allowance recorded, Related Allowance			0
Loans with an allowance recorded, Recorded Investment			0
Loans with an allowance recorded, Unpaid Principal Balance			0
Loans with an allowance recorded, Related Allowance			0
Total, Recorded Investment			0
Total, Unpaid Principal Balance			0
Total, Related Allowance			0
Land and land development
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			0
Loans with no related allowance recorded, Unpaid Principal Balance			0
Loans with no related allowance recorded, Related Allowance			0
Loans with an allowance recorded, Recorded Investment			0
Loans with an allowance recorded, Unpaid Principal Balance			0
Loans with an allowance recorded, Related Allowance			0
Total, Recorded Investment			0
Total, Unpaid Principal Balance			0
Total, Related Allowance			0
Commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	856		1,007
Loans with no related allowance recorded, Unpaid Principal Balance	946		1,189
Loans with no related allowance recorded, Related Allowance			0
Loans with no related allowance recorded, Average Recorded Investment	1,068	1,511
Loans with no related allowance recorded, Interest Income Recognized	12	2
Loans with an allowance recorded, Recorded Investment	48		0
Loans with an allowance recorded, Unpaid Principal Balance	135		0
Loans with an allowance recorded, Related Allowance	28		0
Loans with an allowance recorded, Average Recorded Investment	67
Total, Recorded Investment	904		1,007
Total, Unpaid Principal Balance	1,081		1,189
Total, Related Allowance	28		0
Total, Average Recorded Investment	1,135	1,511
Total, Interest Income Recognized	12	2
SBA commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	293		221
Loans with no related allowance recorded, Unpaid Principal Balance	982		532
Loans with no related allowance recorded, Related Allowance			0
Loans with no related allowance recorded, Average Recorded Investment	757	502
Loans with an allowance recorded, Recorded Investment	956		870
Loans with an allowance recorded, Unpaid Principal Balance	1,214		1,349
Loans with an allowance recorded, Related Allowance	714		674
Loans with an allowance recorded, Average Recorded Investment	1,267	219
Total, Recorded Investment	1,249		1,091
Total, Unpaid Principal Balance	2,196		1,881
Total, Related Allowance	714		674
Total, Average Recorded Investment	2,024	721
Consumer
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	88		93
Loans with no related allowance recorded, Unpaid Principal Balance	72		81
Loans with no related allowance recorded, Related Allowance			0
Loans with no related allowance recorded, Average Recorded Investment	77	87
Loans with an allowance recorded, Recorded Investment	223		145
Loans with an allowance recorded, Unpaid Principal Balance	223		145
Loans with an allowance recorded, Related Allowance			0
Loans with an allowance recorded, Average Recorded Investment	184	138
Total, Recorded Investment	311		238
Total, Unpaid Principal Balance	295		226
Total, Related Allowance			$ 0
Total, Average Recorded Investment	$ 261	$ 225

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses - Nonperforming loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Loans and Allowance for Loan Losses
Nonaccrual Loans	$ 11,523	$ 10,856
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans	11,523	10,856
Residential real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,946	1,213
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans	1,946	1,213
Commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	498	516
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans	498	516
Single tenant net lease
Loans and Allowance for Loan Losses
Nonaccrual Loans	0
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans		0
SBA commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	7,445	7,725
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans	7,445	7,725
Multifamily
Loans and Allowance for Loan Losses
Nonaccrual Loans	0
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans		0
Residential construction
Loans and Allowance for Loan Losses
Nonaccrual Loans	0
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans		0
Commercial construction
Loans and Allowance for Loan Losses
Nonaccrual Loans	0
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans		0
Land and land development
Loans and Allowance for Loan Losses
Nonaccrual Loans	0
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans		0
Commercial business
Loans and Allowance for Loan Losses
Nonaccrual Loans	74	73
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans	74	73
SBA commercial business
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,249	1,091
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans	1,249	1,091
Consumer
Loans and Allowance for Loan Losses
Nonaccrual Loans	311	238
Loans 90+ Days Past Due Still Accruing	0
Total Nonperforming Loans	$ 311	$ 238

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses - Aging of recorded investment in past due loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Loans and Allowance for Loan Losses
Financing receivable recorded investment	$ 1,597,743	$ 1,489,277
Recorded investment in loans	1,605,366	1,495,283
Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	2,097	1,495
Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	235	53
Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	7,623	6,006
Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	5,291	4,458
Residential Real Estate [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	412,741	368,622
Recorded investment in loans	415,193	370,048
Residential Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,508	1,169
Residential Real Estate [Member] | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	229	53
Residential Real Estate [Member] | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	2,452	1,426
Residential Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	715	204
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	178,257	169,574
Recorded investment in loans	179,014	170,090
Commercial Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	259
Commercial Real Estate [Member] | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	757	516
Commercial Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	498	516
Single Tenant Net Lease [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	735,430	676,593
Recorded investment in loans	735,430	676,593
SBA Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	51,197	57,603
Recorded investment in loans	54,637	60,973
SBA Commercial Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	262
SBA Commercial Real Estate [Member] | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	6
SBA Commercial Real Estate [Member] | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3,440	3,370
SBA Commercial Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3,172	3,370
Multifamily Residential [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	32,514	32,433
Recorded investment in loans	32,514	32,433
Residential Construction [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	21,180	18,199
Recorded investment in loans	21,180	18,199
Commercial Construction [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	4,596	5,924
Recorded investment in loans	4,596	5,924
Land And Land Development [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	11,067	11,872
Recorded investment in loans	11,067	11,872
Commercial Business
Loans and Allowance for Loan Losses
Financing receivable recorded investment	92,317	90,263
Recorded investment in loans	92,429	90,336
Commercial Business | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	65
Commercial Business | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	112	73
Commercial Business | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	47	73
SBA Commercial Business [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	20,006	20,195
Recorded investment in loans	20,811	20,663
SBA Commercial Business [Member] | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment		231
SBA Commercial Business [Member] | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	805	468
SBA Commercial Business [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	805	237
Consumer Loan [Member]
Loans and Allowance for Loan Losses
Financing receivable recorded investment	38,438	37,999
Recorded investment in loans	38,495	38,152
Consumer Loan [Member] | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3	95
Consumer Loan [Member] | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	57	153
Consumer Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	$ 54	$ 58

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses - Recorded investment in loans by risk category (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Loans and Allowance for Loan Losses
Recorded investment in loans	$ 1,605,366	$ 1,495,283
Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	1,590,097	1,479,457
Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	2,098	1,677
Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	11,313	12,273
Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	1,858	1,876
Residential Real Estate [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	415,193	370,048
Residential Real Estate [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	413,063	368,377
Residential Real Estate [Member] | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	1,955	1,501
Residential Real Estate [Member] | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	175	170
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	179,014	170,090
Commercial Real Estate [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	178,306	169,363
Commercial Real Estate [Member] | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	708	727
Single Tenant Net Lease [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	735,430	676,593
Single Tenant Net Lease [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	735,430	676,593
SBA Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	54,637	60,973
SBA Commercial Real Estate [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	46,070	51,053
SBA Commercial Real Estate [Member] | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	1,123	1,143
SBA Commercial Real Estate [Member] | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	5,805	7,112
SBA Commercial Real Estate [Member] | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	1,639	1,665
Multifamily Residential [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	32,514	32,433
Multifamily Residential [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	32,514	32,433
Residential Construction [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	21,180	18,199
Residential Construction [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	21,180	18,199
Commercial Construction [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	4,596	5,924
Commercial Construction [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	4,596	5,924
Land And Land Development [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	11,067	11,872
Land And Land Development [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	11,067	11,872
Commercial Business
Loans and Allowance for Loan Losses
Recorded investment in loans	92,429	90,336
Commercial Business | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	92,217	90,001
Commercial Business | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	125	250
Commercial Business | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	87	85
SBA Commercial Business [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	20,811	20,663
SBA Commercial Business [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	17,248	17,583
SBA Commercial Business [Member] | Special Mention
Loans and Allowance for Loan Losses
Recorded investment in loans	850	284
SBA Commercial Business [Member] | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	2,669	2,755
SBA Commercial Business [Member] | Doubtful
Loans and Allowance for Loan Losses
Recorded investment in loans	44	41
Consumer Loan [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	38,495	38,152
Consumer Loan [Member] | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	38,406	38,059
Consumer Loan [Member] | Substandard
Loans and Allowance for Loan Losses
Recorded investment in loans	$ 89	$ 93

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses - Recorded investment in troubled debt restructurings by class of loan and accrual status (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Financing Receivable, Modifications [Line Items]
Accruing	$ 2,580	$ 2,714
Nonaccrual	2,286	2,330
Total	4,866	5,044
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Accruing	1,021	1,035
Total	1,021	1,035
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Accruing	383	391
Nonaccrual	420	430
Total	803	821
SBA Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual	1,604	1,627
Total	1,604	1,627
Multifamily Residential [Member]
Financing Receivable, Modifications [Line Items]
Accruing	346	354
Total	346	354
Commercial Business
Financing Receivable, Modifications [Line Items]
Accruing	830	934
Total	830	934
SBA Commercial Business [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual	262	273
Total	$ 262	$ 273

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses - Changes in carrying value accounted for fair value of the loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Balance, beginning of period	$ 3,790
Balance, end of period	3,301
Small Business Administration Loans
Balance, beginning of period	3,790	$ 4,447
Servicing rights capitalized	198	346
Amortization	(195)	(288)
Direct write-offs	(141)	(35)
Change in valuation allowance	(351)	(41)
Balance, end of period	3,301	4,429
Mortgage Servicing Rights.
Balance, beginning of period	63,263	49,579
Servicing rights capitalized	142	4,504
Loan repayments	(1,023)	(2,492)
Changes in valuation model inputs or assumptions	(217)	3,167
Balance, end of period	62,165	$ 54,758
Nonresidential MSR
Amortization	$ (9)

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses - Key assumptions used to estimate the fair value of the loans (Details) - Mortgage Servicing Rights.	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022
Maximum [Member]
Discount rate	14.50%	14.50%
Prepayment rate	85.80%	74.89%
Minimum [Member]
Discount rate	9.50%	9.50%
Prepayment rate	3.75%	6.01%
Weighted Average [Member]
Discount rate	9.52%	9.51%
Prepayment rate	6.69%	6.63%

Loans and Allowance for Loan_13

Loans and Allowance for Loan Losses - Mortgage Servicing Rights at Fair Value (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Balance , beginning of period	$ 141
Changes in fair value related to:
Balance ,end of period	132
Mortgage Servicing Rights.
Servicing rights capitalized	142	$ 4,504
Changes in fair value related to:
Loan repayments	(1,023)	(2,492)
Changes in valuation model inputs or assumptions	(217)	$ 3,167
Nonresidential MSR
Balance , beginning of period	141
Changes in fair value related to:
Amortization	(9)
Balance ,end of period	$ 132

Loans and Allowance for Loan_14

Loans and Allowance for Loan Losses - Additional Information (Details) - USD ($)	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Sep. 30, 2022
Loans and Allowance for Loan Losses
Mortgage loans in process of foreclosure amount	$ 206,000		$ 204,000
Loans and leases receivable impaired commitment to lend	1,000		1,000
Financing receivable allowance for credit losses, Write-downs	329,000	$ 81,000
Provision for loan losses	984,000	526,000
Impaired financing receivable, Unpaid principal balance	16,879,000		16,071,000
Commercial Real Estate [Member]
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	959,000		982,000
Residential Real Estate [Member]
Loans and Allowance for Loan Losses
Financing receivable allowance for credit losses, Write-downs		23,000
Impaired financing receivable, Unpaid principal balance	3,257,000		2,524,000
Commercial Business
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	1,081,000		1,189,000
SBA Lending Segment [Member]
Loans and Allowance for Loan Losses
Servicing assets valuation allowance	530,000		179,000
SBA [Member]
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	237,900,000	250,500,000	238,900,000
SBA [Member] | Bank Servicing
Loans and Allowance for Loan Losses
Revenue from Contract with Customer	21,000	20,000
SBA [Member] | SBA Lending Segment [Member]
Loans and Allowance for Loan Losses
Revenue from Contract with Customer	553,000	627,000,000,000
Troubled Debt Restructuring
Loans and Allowance for Loan Losses
Loans and leases receivable allowance covered	125,000		161,000
Financing receivable allowance for credit losses, Write-downs		3,000
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	4,820,000,000		4,880,000,000
Revenue from Contract with Customer	2,400,000	$ 2,100,000
Escrow balances maintained with foregoing loan servicing and other liabilities	28,800,000		46,000,000
Nonresidential MSR
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	44,000,000		$ 44,600,000
Servicing assets valuation allowance	0
Nonresidential MSR | Specified servicing fees and late fees
Loans and Allowance for Loan Losses
Revenue from Contract with Customer	9,000
Nonresidential MSR | Other ancillary fees related to nonresidential mortgage
Loans and Allowance for Loan Losses
Revenue from Contract with Customer	$ 11,000

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Deposits.
Noninterest-bearing demand deposits	$ 315,390	$ 340,172
NOW accounts	345,597	343,296
Money market accounts	243,443	238,219
Savings accounts	170,732	171,779
Retail time deposits	136,515	129,864
Brokered and reciprocal certificates of deposit	326,164	292,504
Total deposits	$ 1,537,841	$ 1,515,834

Supplemental Disclosure for N_3

Supplemental Disclosure for Net Income Per Share - Net income per share information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Basic:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders	$ 2,871	$ 4,305
Shares:
Weighted average common shares outstanding, basic	6,915,909	7,116,790
Net income (loss) per common share, basic	$ 0.42	$ 0.60
Diluted:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders	$ 2,871	$ 4,305
Shares:
Weighted average common shares outstanding, basic	6,915,909	7,116,790
Add: Dilutive effect of outstanding options	53,229	81,177
Add: Dilutive effect of restricted stock	2,917	9,243
Weighted average common shares outstanding, as adjusted	6,972,055	7,207,210
Net income (loss) per common share, diluted	$ 0.41	$ 0.60

Supplemental Disclosure for N_4

Supplemental Disclosure for Net Income Per Share - Additional Information (Detail) - shares	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Restricted Stock [Member]
Supplemental Disclosure for Net Income Per Share
Antidilutive restricted stock awards	0	0
Stock options
Supplemental Disclosure for Net Income Per Share
Antidilutive restricted stock awards	275,889	137,250

Supplemental Disclosures of C_3

Supplemental Disclosures of Cash Flow Information (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Dec. 31, 2022	Jun. 30, 2021
Cash payments for:
Interest	$ 6,540	$ 1,866
Income taxes (net of refunds received)	$ (117)	$ (5)

Fair Value Measurements and D_3

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Fair Value Measurements and Disclosures
Total securities available for sale	$ 329,163	$ 316,517
Residential mortgage loans held for sale	20,675	38,579
Derivative assets (included in other assets)	$ 456	$ 1,030
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Residential mortgage loan servicing rights, at fair value	$ 62,165	$ 63,263
Derivative liabilities (included in other liabilities)	110	427
SBA loan servicing rights	3,301	3,790
U.S. Treasury bills and notes
Fair Value Measurements and Disclosures
Total securities available for sale	27,908	27,295
Agency mortgage-backed
Fair Value Measurements and Disclosures
Total securities available for sale	27,161	27,500
Agency CMO
Fair Value Measurements and Disclosures
Total securities available for sale	13,920	14,821
Privately-issued CMO
Fair Value Measurements and Disclosures
Total securities available for sale	429	470
Privately-issued ABS
Fair Value Measurements and Disclosures
Total securities available for sale	527	569
SBA certificates
Fair Value Measurements and Disclosures
Total securities available for sale	11,788	12,012
Municipal bonds
Fair Value Measurements and Disclosures
Total securities available for sale	247,430	233,850
Recurring Basis
Fair Value Measurements and Disclosures
Total securities available for sale	329,163	316,517
Residential mortgage loans held for sale	20,675	38,579
Equity securities (included in other assets)	117	103
Residential mortgage loan servicing rights, at fair value	62,165	63,263
Recurring Basis | U.S. Treasury bills and notes
Fair Value Measurements and Disclosures
Total securities available for sale	27,908	27,295
Recurring Basis | Agency mortgage-backed
Fair Value Measurements and Disclosures
Total securities available for sale	27,161	27,500
Recurring Basis | Agency CMO
Fair Value Measurements and Disclosures
Total securities available for sale	13,920	14,821
Recurring Basis | Privately-issued CMO
Fair Value Measurements and Disclosures
Total securities available for sale	429	470
Recurring Basis | Privately-issued ABS
Fair Value Measurements and Disclosures
Total securities available for sale	527	569
Recurring Basis | SBA certificates
Fair Value Measurements and Disclosures
Total securities available for sale	11,788	12,012
Recurring Basis | Municipal bonds
Fair Value Measurements and Disclosures
Total securities available for sale	247,430	233,850
Nonrecurring Basis
Fair Value Measurements and Disclosures
Total impaired loans	2,985	2,910
SBA loan servicing rights	3,301	3,790
Nonrecurring Basis | SBA commercial real estate
Fair Value Measurements and Disclosures
Total impaired loans	2,576	2,574
Nonrecurring Basis | Commercial business
Fair Value Measurements and Disclosures
Total impaired loans	20	46
Nonrecurring Basis | SBA commercial business
Fair Value Measurements and Disclosures
Total impaired loans	389	290
Level 1
Fair Value Measurements and Disclosures
Equity securities (included in other assets)	117	103
Level 1 | Recurring Basis
Fair Value Measurements and Disclosures
Equity securities (included in other assets)	117	103
Level 2
Fair Value Measurements and Disclosures
Total securities available for sale	329,163	316,517
Level 2 | Recurring Basis
Fair Value Measurements and Disclosures
Total securities available for sale	329,163	316,517
Residential mortgage loans held for sale	20,675	38,579
Level 2 | Recurring Basis | U.S. Treasury bills and notes
Fair Value Measurements and Disclosures
Total securities available for sale	27,908	27,295
Level 2 | Recurring Basis | Agency mortgage-backed
Fair Value Measurements and Disclosures
Total securities available for sale	27,161	27,500
Level 2 | Recurring Basis | Agency CMO
Fair Value Measurements and Disclosures
Total securities available for sale	13,920	14,821
Level 2 | Recurring Basis | Privately-issued CMO
Fair Value Measurements and Disclosures
Total securities available for sale	429	470
Level 2 | Recurring Basis | Privately-issued ABS
Fair Value Measurements and Disclosures
Total securities available for sale	527	569
Level 2 | Recurring Basis | SBA certificates
Fair Value Measurements and Disclosures
Total securities available for sale	11,788	12,012
Level 2 | Recurring Basis | Municipal bonds
Fair Value Measurements and Disclosures
Total securities available for sale	247,430	233,850
Level 3
Fair Value Measurements and Disclosures
SBA loan servicing rights	3,301	3,790
Level 3 | Recurring Basis
Fair Value Measurements and Disclosures
Residential mortgage loan servicing rights, at fair value	62,165	63,263
Level 3 | Nonrecurring Basis
Fair Value Measurements and Disclosures
Total impaired loans	2,985	2,910
SBA loan servicing rights	3,301	3,790
Level 3 | Nonrecurring Basis | SBA commercial real estate
Fair Value Measurements and Disclosures
Total impaired loans	2,576	2,574
Level 3 | Nonrecurring Basis | Commercial business
Fair Value Measurements and Disclosures
Total impaired loans	20	46
Level 3 | Nonrecurring Basis | SBA commercial business
Fair Value Measurements and Disclosures
Total impaired loans	$ 389	$ 290

Fair Value Measurements and D_4

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Reconciliation of derivative assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Beginning balance	$ (238)	$ 1,567
Unrealized gains (losses) recognized in earnings, net of settlements	600	173
Ending balance	$ 362	$ 1,740

Fair Value Measurements and D_5

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a recurring basis (Details) - Interest rate lock commitments	Dec. 31, 2022	Sep. 30, 2022
Pull-through rate | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	31%	50%
Pull-through rate | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	100%	100%
Pull-through rate | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	68%	78%
Direct costs to close | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	0%	0%
Direct costs to close | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	5.10%	4%
Direct costs to close | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	0.50%	0.70%

Fair Value Measurements and D_6

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Additional information (Details)	3 Months Ended		12 Months Ended
	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($)	Sep. 30, 2022 item
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Derivative assets and liabilities held	$ 361,000	$ 1,700,000
Impairment charges on nonresidential mortgage loan servicing rights	$ 0	0
Number of loans were 90 days or more past due | item	0		0
Recognized charges to write down other real estate owned to fair value	$ 0	0
Level 3
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Transfers from loans to OREO	0
Impaired loans
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Provisions for loan losses	200,000	691,000
SBA
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Impairment charges on loan	$ (351,000)	$ 41,000
Maximum | Collateral | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate	10%
Maximum | Impaired loans | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate			100%
Maximum | SBA | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Discount rate	25%		25%
Maximum | SBA | Prepayment rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Prepayment rate	29.59%		29.26%
Minimum | Collateral | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate	0%
Minimum | Impaired loans | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate	0%
Minimum | SBA | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Discount rate	14.65%		6.90%
Minimum | SBA | Prepayment rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Prepayment rate	6.70%		7.08%
Weighted Average | SBA | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Discount rate	17.89%		12.71%
Weighted Average | SBA | Prepayment rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Prepayment rate	14.69%		15.27%

Fair Value Measurements and D_7

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Summary of Aggregate Fair Value and the Aggregate Remaining Principal Balance for Residential Mortgage Loans Held for Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Residential mortgage loans held for sale Aggregate Fair Value	$ 20,675	$ 38,579
Residential mortgage loans held for sale Aggregate Principal Balance	20,196	38,517
Residential mortgage loans held for sale Difference	$ 479	$ 62

Fair Value Measurements and D_8

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - 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	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Fair Value Measurements and Disclosures
Total gains and interest included in earnings	$ 1,096	$ 2,617
Interest income
Fair Value Measurements and Disclosures
Interest income	428	994
Mortgage Banking
Fair Value Measurements and Disclosures
Gains - included in mortgage banking income	$ 668	$ 1,623

Fair Value Measurements and D_9

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Summary of fair value of loans measured using an entry price notion (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022
Financial assets:
Cash and due from banks	$ 25,226	$ 18,312
Interest-bearing deposits with banks	13,052	23,353
Securities available for sale	329,163	316,517
Securities held to maturity	1,520	1,558
Loans, net	1,582,940	1,474,544
SBA loan servicing rights	3,301	3,790
Financial liabilities:
Deposits	1,537,841	1,515,834
Federal Home Loan Bank borrowings	377,643	307,303
Other borrowings	95,458	88,206
Accrued interest payable	1,984	1,302
Advance payments by borrowers for taxes and insurance	695	1,207
Fair Value, Recurring [Member]
Financial assets:
Securities available for sale	329,163	316,517
Derivative assets (included in other assets)	456	1,030
Equity securities (included in other assets)	117	103
Financial liabilities:
Derivative liabilities (included in other liabilities)	110	427
Level 1
Financial assets:
Cash and due from banks	25,226	18,312
Interest-bearing deposits with banks	13,052	23,353
Equity securities (included in other assets)	117	103
Level 1 | Fair Value, Recurring [Member]
Financial assets:
Equity securities (included in other assets)	117	103
Level 2
Financial assets:
Interest-bearing time deposits	1,854	1,613
Securities available for sale	329,163	316,517
Securities held to maturity	1,548	1,593
Residential mortgage loans held for sale	20,675	38,579
SBA loans held for sale		24,010
Accrued interest receivable	10,436	8,332
Derivative assets (included in other assets)	79	872
Financial liabilities:
Federal Home Loan Bank borrowings	372,776	302,090
Subordinated note	48,819	48,685
Other borrowings	45,184
Accrued interest payable	1,984	1,302
Advance payments by borrowers for taxes and insurance	695	1,207
Derivative liabilities (included in other liabilities)	95	31
Level 2 | Fair Value, Recurring [Member]
Financial assets:
Securities available for sale	329,163	316,517
Derivative assets (included in other assets)	79	872
Financial liabilities:
Derivative liabilities (included in other liabilities)	95	31
Level 3
Financial assets:
SBA loans held for sale	25,603
Loans, net	1,489,154	1,402,222
SBA loan servicing rights	3,301	3,790
Residential mortgage loan servicing rights	62,165	63,263
Nonresidential mortgage loan servicing rights	132	141
SBA loan servicing rights		3,789
Derivative assets (included in other assets)	377	158
Financial liabilities:
Deposits	1,533,129	1,510,792
Other borrowings		37,989
Derivative liabilities (included in other liabilities)	15	396
Level 3 | Fair Value, Recurring [Member]
Financial assets:
Derivative assets (included in other assets)	377	158
Financial liabilities:
Derivative liabilities (included in other liabilities)	15	396
Estimate of fair value measurement
Financial assets:
Cash and due from banks	25,226	18,312
Interest-bearing deposits with banks	13,052	23,353
Interest-bearing time deposits	1,854	1,613
Securities available for sale	329,163	316,517
Securities held to maturity	1,520	1,558
Residential mortgage loans held for sale	20,675	38,579
SBA loans held for sale	23,606	21,883
Loans, net	1,582,940	1,474,544
FRB and FHLB stock	21,564	20,004
Accrued interest receivable	10,436	8,332
SBA loan servicing rights	3,301	3,790
Residential mortgage loan servicing rights	62,165	63,263
Nonresidential mortgage loan servicing rights	132	141
SBA loan servicing rights		3,790
Derivative assets (included in other assets)	456	1,030
Equity securities (included in other assets)	117	103
Financial liabilities:
Deposits	1,537,841	1,515,834
Federal Home Loan Bank borrowings	377,643	307,303
Subordinated note	50,274	50,217
Other borrowings	45,184	37,989
Accrued interest payable	1,984	1,302
Advance payments by borrowers for taxes and insurance	695	1,207
Derivative liabilities (included in other liabilities)	$ 110	$ 427

Employee Stock Ownership Plan (

Employee Stock Ownership Plan (Details) - USD ($)	Oct. 06, 2008	Dec. 31, 2022	Sep. 30, 2022	Dec. 31, 2021
Employee Stock Ownership Plan
Total ESOP shares	203,363	306,202	306,202
Compensation expense recognized		$ 0		$ 0
Employee stock ownership plan (per share)	$ 10

Stock Based Compensation Plan_2

Stock Based Compensation Plans - Fair Value Of Options Granted (Details)	3 Months Ended
	Dec. 31, 2022 $ / shares
Stock Based Compensation Plans
Expected dividend yield	2.32%
Risk-free interest rate	1.55%
Expected volatility	27%
Expected life of options	7 years 1 month 6 days
Weighted average fair value at grant date	$ 7.03

Stock Based Compensation Plan_3

Stock Based Compensation Plans - Stock Option Activity (Details) $ / shares in Units, $ in Thousands	3 Months Ended
	Dec. 31, 2022 USD ($) $ / shares shares
Number of Shares
Outstanding at beginning of year | shares	351,369
Granted | shares	66,000
Outstanding at end of year | shares	417,369
Vested and expected to vest | shares	417,369
Exercisable at end of year | shares	223,830
Weighted Average Exercise Price
Outstanding at beginning of year | $ / shares	$ 20.57
Granted | $ / shares	22.49
Outstanding at end of year | $ / shares	20.87
Vested and expected to vest | $ / shares	20.87
Exercisable at end of year | $ / shares	$ 17.77
Weighted Average Remaining Contractual Term (Years)
Outstanding at end of period	7 years
Vested and expected to vest	7 years
Exercisable at end of period	5 years 4 months 24 days
Aggregate Intrinsic Value
Outstanding at end of period | $	$ 867
Vested and expected to vest | $	867
Exercisable at end of period | $	$ 866

Stock Based Compensation Plan_4

Stock Based Compensation Plans - Non vested Restricted Shares (Details) - Restricted Stock - $ / shares	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Number of Shares
Nonvested	51,324
Granted	22,000
Vested	(16,408)	(12,225)
Nonvested	56,916
Weighted Average Grant Date Fair Value
Nonvested	$ 26.07
Granted	22.49
Vested	25.68
Nonvested	$ 24.80

Stock Based Compensation Plan_5

Stock Based Compensation Plans - Additional Information (Details) - USD ($)	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Stock Based Compensation Plans
Terms of award	P10Y
Vesting period	5 years
Equity Incentive Plan 2016
Stock Based Compensation Plans
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
Stock Based Compensation Plans
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	85,058
Equity Incentive Plan 2010
Stock Based Compensation Plans
Common stock available under incentive plan	0
Employee Stock Option
Stock Based Compensation Plans
Vesting period	4 years 2 months 12 days
Intrinsic value of stock options exercised	$ 0
Compensation expense	82,000	$ 52,000
Unrecognized compensation expenses related to nonvested stock options	1,200,000
Proceeds from exercise of stock options	0	0
Tax benefit from the exercise of stock options	$ 0	0
Employee Stock Option | Equity Incentive Plan 2016
Stock Based Compensation Plans
Aggregated number of shares in stock options	198,000
Common stock available under incentive plan	3,060
Employee Stock Option | 2021 Plan
Stock Based Compensation Plans
Common stock available under incentive plan	63,793
Restricted Stock
Stock Based Compensation Plans
Number of restricted shares granted	22,000
Compensation expense	$ 103,000	75,000
Unrecognized compensation expenses related to nonvested stock options	$ 1,400,000
Weighted average period of compensation expense (in years)	4 years 1 month 20 days
Fair value of restricted shares	$ 369,000	$ 327,000
Restricted shares vested	16,408	12,225
Restricted Stock | Maximum
Stock Based Compensation Plans
Vesting period	5 years
Restricted Stock | Minimum
Stock Based Compensation Plans
Vesting period	1 year
Restricted Stock | Equity Incentive Plan 2016
Stock Based Compensation Plans
Aggregated number of shares in stock options	66,000
Common stock available under incentive plan	1,500
Restricted Stock | 2021 Plan
Stock Based Compensation Plans
Number of restricted shares granted	89,015
Common stock available under incentive plan	21,265

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
Derivative Financial Instruments
Notional Amount	$ 68,869	$ 108,952
Asset Derivatives	456	1,030
Liability Derivatives	$ 110	$ 427
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	$ 42,369	$ 48,952
Asset Derivatives	377	158
Liability Derivatives	15	396
Forward mortgage loan sale contracts
Derivative Financial Instruments
Notional Amount	26,500	60,000
Asset Derivatives	79	872
Liability Derivatives	$ 95	$ 31

Derivative Financial Instrume_4

Derivative Financial Instruments - Income (loss) related to derivative financial instruments (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 54	$ 868
Interest rate lock commitments
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	599	173
Forward mortgage loan sale contracts
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ (545)	$ 695

Derivative Financial Instrume_5

Derivative Financial Instruments - Additional information (Details) - USD ($) $ in Millions	Dec. 31, 2022	Sep. 30, 2022
Derivative Financial Instruments
Cash collateral derivative counterparty obligations	$ 1.5	$ 2.4

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Sep. 30, 2022 USD ($)
Consolidated
Regulatory Capital
Total capital (to risk weighted assets) Actual Amount	$ 227,650	$ 224,895
Tier 1 capital (to risk-weighted assets) Actual Amount	161,296	159,318
Common equity tier 1 capital (to risk-weighted assets) Actual Amount	161,296	159,318
Tier 1 capital (to average adjusted total assets) Actual Amount	$ 161,296	$ 159,318
Total capital (to risk weighted assets) Actual Ratio	0.1201	0.1233
Tier 1 capital (to risk-weighted assets) Actual Ratio	0.0851	0.0873
Common equity tier 1 capital (to risk-weighted assets) Actual Ratio	0.0851%	0.0873%
Tier 1 capital (to average adjusted total assets) Actual Ratio	0.0755	0.0796
Total capital (to risk weighted assets) To Be Well Minimum For Capital Adequacy Purposes Amount	$ 151,625	$ 145,973
Tier 1 capital (to risk-weighted assets) To Be Well Minimum For Capital Adequacy Purposes Amount	113,719	109,480
Common equity tier 1 capital (to risk-weighted assets) To Be Well Minimum For Capital Adequacy Purposes Amount	85,289	82,110
Tier 1 capital (to average adjusted total assets) To Be Well Minimum For Capital Adequacy Purposes Amount	$ 85,455	$ 80,031
Total capital (to risk weighted assets) To Be Well Minimum For Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier 1 capital (to risk-weighted assets) To Be Well Minimum For Capital Adequacy Purposes Ratio	0.0600	0.0600
Common equity tier 1 capital (to risk-weighted assets) To Be Well Minimum For Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier 1 capital (to average adjusted total assets) To Be Well Minimum For Capital Adequacy Purposes Ratio	0.0400	0.0400
Bank
Regulatory Capital
Total capital (to risk weighted assets) Actual Amount	$ 215,966	$ 208,280
Tier 1 capital (to risk-weighted assets) Actual Amount	199,886	192,920
Common equity tier 1 capital (to risk-weighted assets) Actual Amount	199,886	192,920
Tier 1 capital (to average adjusted total assets) Actual Amount	$ 199,886	$ 192,920
Total capital (to risk weighted assets) Actual Ratio	0.1141	0.1144
Tier 1 capital (to risk-weighted assets) Actual Ratio	0.1056	0.1059
Common equity tier 1 capital (to risk-weighted assets) Actual Ratio	0.1056%	0.1059%
Tier 1 capital (to average adjusted total assets) Actual Ratio	0.0935	0.0958
Total capital (to risk weighted assets) To Be Well Minimum For Capital Adequacy Purposes Amount	$ 151,418	$ 145,713
Tier 1 capital (to risk-weighted assets) To Be Well Minimum For Capital Adequacy Purposes Amount	113,564	109,285
Common equity tier 1 capital (to risk-weighted assets) To Be Well Minimum For Capital Adequacy Purposes Amount	85,173	81,963
Tier 1 capital (to average adjusted total assets) To Be Well Minimum For Capital Adequacy Purposes Amount	$ 85,505	$ 80,555
Total capital (to risk weighted assets) To Be Well Minimum For Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier 1 capital (to risk-weighted assets) To Be Well Minimum For Capital Adequacy Purposes Ratio	0.0600	0.0600
Common equity tier 1 capital (to risk-weighted assets) To Be Well Minimum For Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier 1 capital (to average adjusted total assets) To Be Well Minimum For Capital Adequacy Purposes Ratio	0.0400	0.0400
Total capital (to risk weighted assets) Minimum Capitalized Under Prompt Corrective Action Provisions Amount	$ 189,273	$ 182,141
Tier 1 capital (to risk-weighted assets) Minimum Capitalized Capitalized Under Prompt Corrective Action Provisions Amount	151,418	145,713
Common equity tier 1 capital (to risk-weighted assets) Minimum Capitalized Under Prompt Corrective Action Provisions Amount	123,027	118,392
Tier 1 capital (to average adjusted total assets) Minimum Capitalized Under Prompt Corrective Action Provisions Amount	$ 106,881	$ 100,693
Total capital (to risk weighted assets) Minimum Capitalized Capitalized Under Prompt Corrective Action Provisions Ratio	0.1000	0.1000
Tier 1 capital (to risk-weighted assets) Minimum Capitalized Under Prompt Corrective Action Provisions Ratio	0.0800	0.0800
Common equity tier 1 capital (to risk-weighted assets) Minimum Capitalized Under Prompt Corrective Action Provisions Ratio	0.065%	0.065%
Tier 1 capital (to average adjusted total assets) Minimum Capitalized Under Prompt Corrective Action Provisions Ratio	0.0500	0.0500

Regulatory Capital - Additional

Regulatory Capital - Additional information (Details) - USD ($) $ in Billions	3 Months Ended
	Dec. 31, 2022	Sep. 30, 2021	Sep. 30, 2019	Sep. 30, 2015
Regulatory Capital
Percentage of capital conservation buffer	2.50%	2.50%	2.50%	0%
Maximum amount to attain consolidated capital requirements	$ 3

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2022 USD ($) segment	Dec. 31, 2021 USD ($)	Sep. 30, 2022 USD ($)
Segment Reporting
Number of operating segments | segment	3
Net interest income	$ 16,261	$ 13,903
Provision (credit) for loan losses	984	526
Net interest income after provision	15,277	13,377
Net gains on sales of loans, SBA	775	1,636
Mortgage banking income (loss)	2,496	12,744
Noninterest income	5,188	16,591
Noninterest expense	17,511	24,852
Income (loss) before taxes	2,954	5,116
Income tax expense (benefit)	83	811
Net income	2,871	4,305
Non-cash items:
Depreciation and amortization	633	606
Segment assets	2,196,919	1,764,589	$ 2,093,725
Core Banking
Segment Reporting
Net interest income	15,008	11,495
Provision (credit) for loan losses	701	(144)
Net interest income after provision	14,307	11,639
Mortgage banking income (loss)	(10)	(4)
Noninterest income	1,928	1,942
Noninterest expense	9,797	9,582
Income (loss) before taxes	6,438	4,099
Income tax expense (benefit)	996	500
Net income	5,492	3,599
Non-cash items:
Depreciation and amortization	601	550
Segment assets	2,005,780	1,421,680
SBA Lending
Segment Reporting
Net interest income	995	1,875
Provision (credit) for loan losses	283	670
Net interest income after provision	712	1,205
Net gains on sales of loans, SBA	775	1,636
Noninterest income	754	1,901
Noninterest expense	1,924	2,236
Income (loss) before taxes	(458)	870
Income tax expense (benefit)	(107)	265
Net income	(351)	605
Non-cash items:
Depreciation and amortization	5	8
Segment assets	100,304	157,481
Mortgage Banking
Segment Reporting
Net interest income	258	533
Net interest income after provision	258	533
Mortgage banking income (loss)	2,506	12,748
Noninterest income	2,506	12,748
Noninterest expense	5,790	13,134
Income (loss) before taxes	(3,026)	147
Income tax expense (benefit)	(756)	46
Net income	(2,270)	101
Non-cash items:
Depreciation and amortization	27	48
Segment assets	$ 90,835	$ 185,428

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Revenue from Contracts with Customers
Revenue from contracts with customers subject to ASC 606	$ 1,450	$ 1,325
Gain on sale of SBA loans	775	1,636
Mortgage banking income	2,496	12,744
Increase in cash value of life insurance	225	254
Real estate lease income	117	148
Other	125	484
Other noninterest income	3,738	15,266
Total noninterest income	5,188	16,591
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenue from contracts with customers subject to ASC 606	558	434
ATM and interchange fees
Revenue from Contracts with Customers
Revenue from contracts with customers subject to ASC 606	739	679
Investment advisory income
Revenue from Contracts with Customers
Revenue from contracts with customers subject to ASC 606	128	188
Other
Revenue from Contracts with Customers
Revenue from contracts with customers subject to ASC 606	$ 25	$ 24

Mortgage Banking Income (Detail

Mortgage Banking Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Mortgage Banking Income
Origination and sale of mortgage loans	$ 732	$ 4,655
Mortgage brokerage income	43	331
Net change in fair value of loans held for sale and interest rate lock commitments	1,267	(222)
Realized and unrealized gains (losses) from forward sales commitments	(545)	695
Capitalized residential mortgage loan servicing rights	142	4,504
Net change in fair value of residential mortgage loan servicing rights	(1,240)	675
Provisions for loan repurchases and indemnifications	(328)	(14)
Net loan servicing income	2,425	2,120
Total mortgage banking income	$ 2,496	$ 12,744