First Savings Financial (FSFG) 10-Q 9 Aug 23 2023 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Jun. 30, 2023	Aug. 02, 2023
Document And Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2023
Document Transition Report	false
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	(Title of each class)
Trading Symbol	(Trading Symbol)
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		6,865,921
Entity Central Index Key	0001435508
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
Amendment Flag	false

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
ASSETS
Cash and due from banks	$ 23,722	$ 18,312
Interest-bearing deposits with banks	18,753	23,353
Total cash and cash equivalents	42,475	41,665
Interest-bearing time deposits	980	1,613
Debt securities available for sale, at fair value	248,397	316,517
Debt securities held to maturity	1,391	1,558
Loans held for sale, residential mortgage, at fair value	50,066	38,579
Loans held for sale, Small Business Administration	13,076	21,883
Loans, net of allowance for loan losses of $16,838 at June 30, 2023 and $15,360 at September 30, 2022	1,691,289	1,474,544
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	24,939	20,004
Premises and equipment, net	27,999	27,100
Other real estate owned, held for sale	233	203
Accrued interest receivable:
Loans	7,218	5,379
Securities	3,243	2,953
Cash surrender value of life insurance	45,915	45,145
Goodwill	9,848	9,848
Core deposit intangibles	614	775
Residential mortgage loan servicing rights, at fair value	60,649	63,263
Nonresidential mortgage loan servicing rights	116	141
SBA loan servicing rights	3,374	3,790
Other assets	28,599	18,765
Total Assets	2,260,421	2,093,725
Deposits:
Noninterest-bearing	315,602	340,172
Interest-bearing	1,344,163	1,175,662
Total deposits	1,659,765	1,515,834
Federal Home Loan Bank borrowings	345,000	307,303
Other borrowings	48,387	88,206
Accrued interest payable	5,782	1,302
Advance payments by borrowers for taxes and insurance	907	1,207
Accrued expenses and other liabilities	35,512	28,308
Total Liabilities	2,095,353	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 7,777,271 shares at June 30, 2023 (7,757,271 at September 30, 2022); outstanding 6,865,921 shares at June 30, 2023 (6,970,631 shares at September 30, 2022)	78	78
Additional paid-in capital	27,440	26,770
Retained earnings - substantially restricted	168,015	161,927
Accumulated other comprehensive loss	(17,565)	(27,079)
Unearned stock compensation	(1,113)	(969)
Less treasury stock, at cost - 911,350 shares (786,640 shares at September 30, 2022)	(11,787)	(9,162)
Total Stockholders' Equity	165,068	151,565
Total Liabilities and Stockholders' Equity	$ 2,260,421	$ 2,093,725

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
CONDENSED CONSOLIDATED BALANCE SHEETS
Loans, net of allowance for loan losses	$ 16,838	$ 15,360
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	7,777,271	7,757,271
Common stock, shares outstanding	6,865,921	6,970,631
Treasury stock, shares	911,350	786,640

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
INTEREST INCOME
Loans, including fees	$ 23,184	$ 15,934	$ 64,666	$ 43,917
Securities:
Taxable	984	769	2,896	1,594
Tax-exempt	1,940	1,570	5,920	4,003
Dividend income	423	169	1,007	464
Interest-bearing deposits with banks	267	37	603	64
Total interest income	26,798	18,479	75,092	50,042
INTEREST EXPENSE
Deposits	7,791	1,047	18,214	2,596
Federal Home Loan Bank borrowings	3,446	811	8,280	2,222
Other borrowings	696	710	2,560	1,397
Total interest expense	11,933	2,568	29,054	6,215
Net interest income	14,865	15,911	46,038	43,827
Provision for loan losses	441	532	1,797	1,028
Net interest income after provision for loan losses	14,424	15,379	44,241	42,799
NONINTEREST INCOME
Service charges on deposit accounts	509	462	1,538	1,329
ATM and interchange fees	615	774	1,940	2,047
Net gain (loss) on sales of available for sale securities	(540)	476	(540)	476
Net unrealized gain (loss) on equity securities	11	(11)	46	(11)
Other than temporary impairment loss on securities			(28)
Net gain on sales of loans, Small Business Administration	497	486	2,179	3,449
Net gain on sales of loans, single tenant net lease				719
Mortgage banking income	4,668	7,093	11,313	36,091
Increase in cash surrender value of life insurance	279	277	770	782
Commission income	247	177	564	522
Real estate lease income	119	155	353	451
Net gain on premises and equipment			29
Income from tax credit investment				10
Gain from repurchase of subordinated debt	660		660
Other income	131	144	1,076	831
Total noninterest income	7,196	10,033	19,900	46,696
NONINTEREST EXPENSE
Compensation and benefits	11,138	15,215	32,230	49,982
Occupancy and equipment	2,277	2,069	6,057	6,261
Data processing	1,020	679	2,780	1,957
Advertising	536	806	1,473	2,600
Professional fees	1,360	1,410	2,931	3,973
FDIC insurance premiums	488	121	1,165	346
Other operating expenses	2,146	2,535	7,839	8,029
Total noninterest expense	18,965	22,835	54,475	73,148
Income before income taxes	2,655	2,577	9,666	16,347
Income tax expense (benefit)	331	(61)	747	2,369
Net Income	$ 2,324	$ 2,638	$ 8,919	$ 13,978
Net income per share:
Basic	$ 0.34	$ 0.37	$ 1.30	$ 1.97
Diluted	$ 0.34	$ 0.37	$ 1.29	$ 1.95
Weighted average shares outstanding:
Basic	6,816,608	7,073,204	6,858,739	7,082,034
Diluted	6,819,748	7,145,288	6,893,766	7,166,632
Dividends per share	$ 0.14	$ 0.13	$ 0.41	$ 0.38

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
Net Income	$ 2,324	$ 2,638	$ 8,919	$ 13,978
Unrealized gains (losses) on securities available for sale:
Unrealized holding gains (losses) arising during the period	(4,819)	(13,732)	11,458	(26,689)
Income tax (expense) benefit	1,026	2,884	(2,393)	5,605
Net of tax amount	(3,793)	(10,848)	9,065	(21,084)
Less: reclassification adjustment for realized (gains) losses included in net income	540	(476)	540	(476)
Income tax (expense) benefit	(113)	100	(113)	100
Net of tax amount	427	(376)	427	(376)
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 (Loss)	(3,366)	(11,224)	9,514	(21,460)
Comprehensive Income (Loss)	$ (1,042)	$ (8,586)	$ 18,433	$ (7,482)

CONDENSED CONSOLIDATED STATEM_3

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			13,978				13,978
Other comprehensive loss				(21,460)			(21,460)
Common stock dividends			(2,725)				(2,725)
Restricted stock forfeitures		1,222			(1,222)
Stock compensation expense		215			285		500
Purchase of treasury shares						(1,457)	(1,457)
Balances at Jun. 30, 2022	78	27,158	161,438	(12,560)	(1,075)	(5,826)	169,213
Balances at Mar. 31, 2022	78	27,076	159,732	(1,336)	(1,180)	(4,417)	179,953
Net income			2,638				2,638
Other comprehensive loss				(11,224)			(11,224)
Common stock dividends			(932)				(932)
Stock compensation expense		82			105		187
Purchase of treasury shares						(1,409)	(1,409)
Balances at Jun. 30, 2022	78	27,158	161,438	(12,560)	(1,075)	(5,826)	169,213
Balances at Sep. 30, 2022	78	26,770	161,927	(27,079)	(969)	(9,162)	151,565
Net income			8,919				8,919
Other comprehensive loss				9,514			9,514
Common stock dividends			(2,831)				(2,831)
Restricted stock grants		495			(495)
Restricted stock forfeitures		(53)			53
Stock compensation expense		228			298		526
Purchase of treasury shares						(2,625)	(2,625)
Balances at Jun. 30, 2023	78	27,440	168,015	(17,565)	(1,113)	(11,787)	165,068
Balances at Mar. 31, 2023	78	27,365	166,652	(14,199)	(1,211)	(11,787)	166,898
Net income			2,324				2,324
Other comprehensive loss				(3,366)			(3,366)
Common stock dividends			(961)				(961)
Stock compensation expense		75			98		173
Balances at Jun. 30, 2023	$ 78	$ 27,440	$ 168,015	$ (17,565)	$ (1,113)	$ (11,787)	$ 165,068

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended	9 Months Ended
	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Common stock dividends - per share	$ 0.13	$ 0.41	$ 0.38
Restricted stock grants - shares		22,000
Restricted stock forfeitures - shares		2,000	45,750
Purchase of treasury shares	59,120	124,710	60,932

CONDENSED CONSOLIDATED STATEM_5

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS $ in Thousands	9 Months Ended
	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 8,919	$ 13,978
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,797	1,028
Depreciation and amortization	1,907	1,850
Amortization of premiums and accretion of discounts on securities, net	510	679
Amortization and accretion of fair value adjustments on loans, net	(1,285)	(1,176)
Loans originated for sale, residential mortgage	(392,217)	(1,485,308)
Loans originated for sale, Small Business Administration	(24,851)
Proceeds on sales of loans, residential mortgage	382,694	1,561,351
Proceeds on sales of loans, Small Business Administration	35,910
Net realized and unrealized (gain) loss on loans held for sale	(3,566)	11,928
Capitalization of loan servicing rights	(1,808)	(11,513)
Net change in value of residential mortgage loan servicing rights	3,816	(4,679)
Net change in value of SBA and nonresidential mortgage loan servicing rights	1,047	1,169
Net (gain) loss on sales of available for sale securities	56,200
Net (gain) loss on sales of available for sale securities	540	(476)
Other than temporary impairment loss on securities	28
Increase in cash surrender value of life insurance	(770)	(782)
Net (gain) loss on equity securities	(46)	11
Net gain on sale of premises and equipment	(29)
Gain from repurchase of subordinated debt	(660)
Income from tax credit investments		(10)
Deferred income taxes	(2,590)	3,356
Stock compensation expense	526	500
Increase in accrued interest receivable	(2,129)	(1,586)
Increase in accrued interest payable	4,480	462
Change in other assets	(5,447)	3,360
Change in other liabilities	7,204	(5,586)
Net Cash Provided By Operating Activities	13,980	88,556
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits	(490)
Proceeds from maturities of interest-bearing time deposits	1,115	595
Purchase of securities available for sale	(11,664)	(177,646)
Proceeds from sales of securities available for sale	78,003	33,494
Principal collected and proceeds from maturities of securities available for sale	12,741	16,114
Proceeds from maturities of securities held to maturity	159	172
Net increase in loans	(217,981)	(253,166)
Proceeds from redemption of Federal Reserve Bank and Federal Home Loan Bank stock	15	592
Purchase of Federal Reserve Bank and Federal Home Loan Bank stock	(4,950)	(1,038)
Proceeds from life insurance		575
Purchase of premises and equipment	(2,524)	(329)
Investement in partnership interests	(4,107)	(340)
Net Cash Used In Investing Activities	(149,683)	(380,977)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	143,931	118,127
Net increase (decrease) in Federal Home Loan Bank line of credit	(12,303)	29,098
Proceeds from Federal Home Loan Bank advances	7,155,000	600,000
Repayment of Federal Home Loan Bank advances	(7,105,000)	(475,000)
Repurchase of subordinated debt	(1,340)
Net proceeds from issuance of subordinated note		30,258
Net decrease in other borrowings	(37,989)
Net decrease in advance payments by borrowers for taxes and insurance	(300)	(960)
Taxes paid on stock award shares for employees	(30)	(48)
Purchase of treasury shares	(2,625)	(1,434)
Dividends paid on common stock	(2,831)	(3,580)
Net Cash Provided By Financing Activities	136,513	296,461
Net Increase in Cash and Cash Equivalents	810	4,040
Cash and cash equivalents at beginning of year	41,665	33,428
Cash and Cash Equivalents at End of Period	42,475	37,468
Supplemental Disclosures of Cash Flow Information
Interest	24,574	5,753
Income taxes	$ 57	$ 77

Presentation of Interim Informa

Presentation of Interim Information	9 Months Ended
	Jun. 30, 2023
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 Capital, 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. The Company plans to dissolve the Captive during the quarter ending September 30, 2023. 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 June 30, 2023, the results of operations for the three- and nine-month periods ended June 30, 2023 and 2022, and the cash flows for the nine-month periods ended June 30, 2023 and 2022. 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, as amended. 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. Certain prior period amounts have been reclassified to conform with the current period presentation. The reclassifications had no effect on net income or stockholders’ equity. 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 and is well secured and in process of collection. 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 to 48 months. ​ The Company’s historical loss experience is then adjusted for qualitative factors that are reviewed on a quarterly basis based on the risks present for each portfolio segment. Management considers changes and trends in the following qualitative loss factors: levels of and trends in delinquencies and impaired loans; trends in the volume and term of new loan originations; national and local economic trends and conditions; changes in lending policies, procedures and practices; changes in the experience and ability of lending management and other staff; changes in the quality and depth of the Company’s loan review system; trends in collateral valuation in the Company’s lending area; the existence and effect of any concentrations of credit and other factors as determined by management including peer data and prevailing economic conditions. Each qualitative factor is evaluated and a qualitative factor adjustment is applied to the actual historical loss factors in determining the adjusted loss factors used in management’s allowance for loan losses adequacy calculation. ​ Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary. The following portfolio segments are considered in the allowance for loan loss analysis: residential real estate, commercial real estate (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. 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 nine-month period ended June 30, 2023. ​ 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	9 Months Ended
	Jun. 30, 2023
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. The Company also holds subordinated debt of a regional financial institution. 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) June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ 31,798 ​ $ — ​ $ 3,329 ​ $ 28,469 Agency mortgage-backed ​ ​ 29,235 ​ ​ 1 ​ ​ 2,917 ​ ​ 26,319 Agency CMO ​ 14,206 ​ — ​ 1,030 ​ 13,176 Privately-issued CMO ​ 432 ​ 3 ​ 27 ​ 408 Privately-issued ABS ​ 458 ​ 14 ​ 3 ​ 469 SBA certificates ​ 11,707 ​ — ​ 462 ​ 11,245 Municipal bonds ​ 180,814 ​ 293 ​ 14,452 ​ 166,655 Other ​ ​ 2,000 ​ ​ — ​ ​ 344 ​ ​ 1,656 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale ​ $ 270,650 ​ $ 311 ​ $ 22,564 ​ $ 248,397 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 37 ​ $ — ​ $ 1 ​ $ 36 Municipal bonds ​ 1,354 ​ 21 ​ — ​ 1,375 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,391 ​ $ 21 ​ $ 1 ​ $ 1,411 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gain Losses Value ​ ​ (In thousands) September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt 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 debt securities available for sale ​ $ 350,794 ​ $ 191 ​ $ 34,468 ​ $ 316,517 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 45 ​ $ — ​ $ — ​ $ 45 Municipal bonds ​ 1,513 ​ 35 ​ — ​ 1,548 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,558 ​ $ 35 ​ $ — ​ $ 1,593 ​ The amortized cost and fair value of investment securities as of June 30, 2023 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 ​ $ 4,570 ​ $ 4,538 ​ $ 251 ​ $ 253 Due after one year through five years ​ 9,576 ​ 9,466 ​ 694 ​ 704 Due after five years through ten years ​ 48,048 ​ 43,969 ​ 409 ​ 418 Due after ten years ​ 152,418 ​ 138,807 ​ — ​ — CMO ​ 14,638 ​ 13,584 ​ — ​ — ABS ​ 458 ​ 469 ​ — ​ — SBA certificates ​ 11,707 ​ 11,245 ​ — ​ — Mortgage-backed securities ​ 29,235 ​ 26,319 ​ 37 ​ 36 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 270,650 ​ $ 248,397 ​ $ 1,391 ​ $ 1,411 ​ Information pertaining to investment securities with gross unrealized losses at June 30, 2023 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) June 30, 2023: ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and notes ​ 3 ​ $ 879 ​ $ 5 Agency mortgage-backed ​ 6 ​ ​ 4,999 ​ ​ 186 Agency CMO ​ 2 ​ ​ 5,328 ​ ​ 320 SBA certificates ​ 2 ​ ​ 10,339 ​ ​ 445 Municipal bonds ​ 36 ​ ​ 39,369 ​ ​ 966 Other 1 ​ ​ 1,656 ​ ​ 344 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 50 ​ 62,570 ​ 2,266 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ U.S. Treasury bills and notes ​ 7 ​ ​ 27,590 ​ ​ 3,324 Agency mortgage-backed ​ 10 ​ ​ 21,007 ​ ​ 2,731 Agency CMO ​ 13 ​ ​ 7,848 ​ ​ 710 Privately-issued CMO ​ 2 ​ ​ 387 ​ ​ 27 Privately-issued ABS 1 ​ 226 ​ 3 SBA certificates 1 ​ 896 ​ 17 Municipal bonds 101 ​ 92,677 ​ 13,486 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 135 ​ 150,631 ​ 20,298 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 185 ​ $ 213,201 ​ $ 22,564 ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months ​ — ​ ​ — ​ ​ — Continuous loss position more than twelve months: Agency mortgage-backed ​ 1 ​ ​ 19 ​ ​ 1 Total more than twelve months ​ 1 ​ ​ 19 ​ ​ 1 Total debt securities held to maturity ​ 1 ​ $ 19 ​ $ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ Debt 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 debt securities available for sale 309 ​ $ 276,514 ​ $ 34,468 ​ At September 30, 2022, 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 June 30, 2023, 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 90.4%. The municipal securities are issued by municipal governments, and are generally secured by municipal project revenues or general obligations of the municipality. The total available for sale debt securities in a loss position at September 30, 2022 had a fair value as a percentage of amortized cost of 88.9%. 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 June 30, 2023, the Company held four privately-issued CMO and ABS securities, acquired in a 2009 bank merger, with an aggregate amortized cost of $303,000 and fair value of $305,000 that have been downgraded to a substandard regulatory classification due to the securities credit quality rating by various rating agencies. At June 30, 2023, two privately-issued CMO securities and one privately-issued ABS were in a loss position, and had depreciated approximately 4.67% from the Company’s carrying value and were collateralized by residential mortgage loans. These securities had a total fair value of $613,000 and a total unrealized loss of $30,000 at June 30, 2023. Based on the independent third party analysis of the expected cash flows, no other-than-temporary impairment was recognized during the three months ended June 30, 2023. An other-than temporary impairment charge of $28,000 was taken in the nine months ended June 30, 2023. While the Company does not anticipate additional credit-related impairment losses at June 30, 2023, 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 changes in 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 intent and 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 and nine-month periods ended June 30, 2023, the Company recognized $341,000 of gross gains and $881,000 of gross losses on sales of available for sale securities. During the three and nine-month periods ended June 30, 2022, the Company recognized $489,000 of gross gains and $13,000 of gross losses on sales of available for sale securities. At June 30, 2023 and September 30, 2022, available for sale debt securities with a total fair value of $56.2 million and $58.6 million, respectively, were pledged to secure FHLB borrowings.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	9 Months Ended
	Jun. 30, 2023
Loans and Allowance for Loan Losses
Loans and Allowance for Loan Losses	3. Loans and Allowance for Loan Losses Loans at June 30, 2023 and September 30, 2022 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, September 30, ​ ​ 2023 ​ 2022 ​ ​ ​ (In thousands) Real estate mortgage: ​ ​ Residential ​ $ 487,450 ​ $ 368,211 Commercial ​ 187,005 ​ 169,861 Single tenant net lease ​ ​ 740,967 ​ ​ 674,567 SBA commercial (1) ​ ​ 49,661 ​ ​ 59,379 Multifamily ​ 35,260 ​ 32,411 Residential construction ​ 18,758 ​ 18,261 Commercial construction ​ 10,656 ​ 5,938 Land and land development ​ 11,332 ​ 11,880 Commercial business ​ 108,375 ​ 90,010 SBA commercial business (1) ​ ​ 18,008 ​ ​ 20,282 Consumer ​ ​ 39,643 ​ ​ 38,052 Total loans ​ 1,707,115 ​ 1,488,852 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net ​ 1,012 ​ 1,052 Allowance for loan losses ​ (16,838) ​ (15,360) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,691,289 ​ $ 1,474,544 (1) Includes discounts on SBA loans of $3.7 million and $4.3 million at June 30, 2023 and September 30, 2022, respectively. During the nine-month period ended June 30, 2023, 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, as amended, for the year ended September 30, 2022. At June 30, 2023, the Company owned $30,000 of residential real estate where physical possession has been obtained. At September 30, 2022, the Company did not own any residential real estate properties where physical possession has been obtained. At June 30, 2023 and September 30, 2022, the recorded investment in consumer mortgage loans collateralized by residential real estate properties in the process of foreclosure was $75,000 and $204,000, respectively. The following table provides the components of loans as of June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for ​ Evaluated for ​ ​ Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ ​ Residential real estate ​ $ 3,010 ​ $ 484,440 ​ $ 487,450 Commercial real estate ​ ​ 889 ​ ​ 186,116 ​ ​ 187,005 Single tenant net lease ​ ​ — ​ ​ 740,967 ​ ​ 740,967 SBA commercial real estate ​ ​ 7,728 ​ ​ 41,933 ​ ​ 49,661 Multifamily ​ ​ 327 ​ ​ 34,933 ​ ​ 35,260 Residential construction ​ ​ — ​ ​ 18,758 ​ ​ 18,758 Commercial construction ​ ​ — ​ ​ 10,656 ​ ​ 10,656 Land and land development ​ ​ — ​ ​ 11,332 ​ ​ 11,332 Commercial business ​ ​ 728 ​ ​ 107,647 ​ ​ 108,375 SBA commercial business ​ ​ 1,173 ​ ​ 16,835 ​ ​ 18,008 Consumer ​ ​ 225 ​ ​ 39,418 ​ ​ 39,643 ​ ​ $ 14,080 ​ $ 1,693,035 ​ $ 1,707,115 ​ The following table provides the components of loans as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for ​ Evaluated for ​ ​ Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 365,967 ​ $ 368,211 Commercial real estate ​ ​ 908 ​ ​ 168,953 ​ ​ 169,861 Single tenant net lease ​ ​ — ​ ​ 674,567 ​ ​ 674,567 SBA commercial real estate ​ ​ 7,582 ​ ​ 51,797 ​ ​ 59,379 Multifamily ​ ​ 354 ​ ​ 32,057 ​ ​ 32,411 Residential construction ​ ​ — ​ ​ 18,261 ​ ​ 18,261 Commercial construction ​ ​ — ​ ​ 5,938 ​ ​ 5,938 Land and land development ​ ​ — ​ ​ 11,880 ​ ​ 11,880 Commercial business ​ ​ 998 ​ ​ 89,012 ​ ​ 90,010 SBA commercial business ​ ​ 1,077 ​ ​ 19,205 ​ ​ 20,282 Consumer ​ ​ 238 ​ ​ 37,814 ​ ​ 38,052 ​ ​ $ 13,401 ​ $ 1,475,451 ​ $ 1,488,852 ​ The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of June 30, 2023 and September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ 37 $ 4,095 $ 4,132 Commercial real estate ​ ​ — ​ ​ 1,783 ​ ​ 1,783 Single tenant net lease ​ ​ — ​ ​ 3,723 ​ ​ 3,723 SBA commercial real estate ​ 192 ​ 2,116 ​ 2,308 Multifamily ​ ​ — ​ ​ 265 ​ ​ 265 Residential construction ​ ​ — ​ ​ 327 ​ ​ 327 Commercial construction ​ ​ — ​ ​ 206 ​ ​ 206 Land and land development ​ ​ — ​ ​ 201 ​ ​ 201 Commercial business ​ ​ 21 ​ ​ 1,472 ​ ​ 1,493 SBA commercial business ​ ​ 577 ​ ​ 1,345 ​ ​ 1,922 Consumer ​ ​ 169 ​ ​ 309 ​ ​ 478 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 996 ​ $ 15,842 ​ $ 16,838 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 June 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Balance Provisions (Credits) Charge-Offs Recoveries Ending Balance ​ ​ (In thousands) June 30, 2023: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,537 ​ $ 603 ​ $ (8) ​ $ — ​ $ 4,132 Commercial real estate ​ 1,783 ​ — ​ — ​ — ​ 1,783 Single tenant net lease ​ 3,726 ​ (3) ​ — ​ — ​ 3,723 SBA commercial real estate ​ 2,607 ​ (263) ​ (39) ​ 3 ​ 2,308 Multifamily ​ 326 ​ (61) ​ — ​ — ​ 265 Residential construction ​ 246 ​ 81 ​ — ​ — ​ 327 Commercial construction ​ 83 ​ 123 ​ — ​ — ​ 206 Land and land development ​ 198 ​ 3 ​ — ​ — ​ 201 Commercial business ​ 1,322 ​ 162 ​ — ​ 9 ​ 1,493 SBA commercial business ​ 2,088 ​ (177) ​ — ​ 11 ​ 1,922 Consumer ​ 542 ​ (27) ​ (46) ​ 9 ​ 478 ​ ​ $ 16,458 ​ $ 441 ​ $ (93) ​ $ 32 ​ $ 16,838 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,345 ​ $ 1,091 ​ $ — ​ $ 5 ​ $ 2,441 Commercial real estate ​ 2,451 ​ (916) ​ — ​ — ​ 1,535 Single tenant net lease ​ 2,619 ​ 944 ​ — ​ — ​ 3,563 SBA commercial real estate ​ 3,633 ​ (745) ​ (71) ​ 15 ​ 2,832 Multifamily ​ 353 ​ (90) ​ — ​ — ​ 263 Residential construction ​ 233 ​ 55 ​ — ​ — ​ 288 Commercial construction ​ 67 ​ 21 ​ — ​ — ​ 88 Land and land development ​ 243 ​ (82) ​ — ​ — ​ 161 Commercial business ​ 1,303 ​ (93) ​ — ​ 30 ​ 1,240 SBA commercial business ​ 1,775 ​ 377 ​ (1) ​ 20 ​ 2,171 Consumer ​ 453 ​ (30) ​ (37) ​ 12 ​ 398 ​ ​ $ 14,475 ​ $ 532 ​ $ (109) ​ $ 82 ​ $ 14,980 ​ The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended June 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Provisions ​ ​ ​ ​ ​ ​ ​ Ending ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ 1,409 ​ $ (8) ​ $ 15 ​ $ 4,132 Commercial real estate ​ 1,590 ​ 193 ​ — ​ — ​ 1,783 Single tenant net lease ​ 3,838 ​ (115) ​ — ​ — ​ 3,723 SBA commercial real estate ​ 2,578 ​ (157) ​ (116) ​ 3 ​ 2,308 Multifamily ​ 251 ​ 14 ​ — ​ — ​ 265 Residential construction ​ 305 ​ 22 ​ — ​ — ​ 327 Commercial construction ​ 107 ​ 99 ​ — ​ — ​ 206 Land and land development ​ 212 ​ (11) ​ — ​ — ​ 201 Commercial business ​ 1,193 ​ 231 ​ — ​ 69 ​ 1,493 SBA commercial business ​ 2,122 ​ (49) ​ (190) ​ 39 ​ 1,922 Consumer ​ 448 ​ 161 ​ (167) ​ 36 ​ 478 ​ ​ $ 15,360 ​ $ 1,797 ​ $ (481) ​ $ 162 ​ $ 16,838 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ 1,015 ​ $ (23) ​ $ 11 ​ $ 2,441 Commercial real estate ​ 2,806 ​ (1,271) ​ — ​ — ​ 1,535 Single tenant net lease ​ 2,422 ​ 1,141 ​ — ​ — ​ 3,563 SBA commercial real estate ​ 3,475 ​ (548) ​ (110) ​ 15 ​ 2,832 Multifamily ​ 518 ​ (255) ​ — ​ — ​ 263 Residential construction ​ 191 ​ 97 ​ — ​ — ​ 288 Commercial construction ​ 63 ​ 25 ​ — ​ — ​ 88 Land and land development ​ 235 ​ (74) ​ — ​ — ​ 161 Commercial business ​ 1,284 ​ (133) ​ — ​ 89 ​ 1,240 SBA commercial business ​ 1,346 ​ 1,059 ​ (285) ​ 51 ​ 2,171 Consumer ​ 523 ​ (28) ​ (127) ​ 30 ​ 398 ​ ​ $ 14,301 ​ $ 1,028 ​ $ (545) ​ $ 196 ​ $ 14,980 ​ The following table presents impaired loans individually evaluated for impairment as of June 30, 2023 and for the three and nine-months ended June 30, 2023 and 2022. The Company did not recognize any interest income on impaired loans using the cash receipts method during the three and nine-month periods ended June 30, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30, 2023 ​ Three Months Ended June 30, ​ Nine Months Ended June 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 ​ 2023 ​ 2022 ​ 2022 2023 ​ 2023 ​ 2022 ​ 2022 ​ ​ ​ Unpaid ​ ​ Average Interest Average Interest Average ​ Interest ​ Average ​ Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ Recorded ​ Income Recorded ​ Income ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ Balance Recognized Balance Recognized Balance Recognized ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,488 ​ $ 2,737 ​ $ — ​ $ 3,306 ​ $ 16 ​ $ 3,129 ​ $ 15 ​ $ 3,070 ​ $ 46 ​ $ 3,286 ​ $ 44 Commercial real estate ​ 889 ​ 959 ​ — ​ 969 ​ 8 ​ 1,024 ​ 7 ​ ​ 970 ​ ​ 21 ​ ​ 1,052 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 6,783 ​ ​ 8,407 ​ ​ — ​ ​ 8,427 ​ ​ — ​ ​ 6,441 ​ ​ — ​ ​ 8,189 ​ ​ — ​ ​ 7,271 ​ ​ — Multifamily ​ 327 ​ 371 ​ — ​ 375 ​ 4 ​ 411 ​ 3 ​ ​ 384 ​ ​ 14 ​ ​ 419 ​ ​ 5 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ 676 ​ 777 ​ — ​ 815 ​ 11 ​ 1,188 ​ 10 ​ ​ 947 ​ ​ 35 ​ ​ 1,350 ​ ​ 18 SBA commercial business ​ 327 ​ 1,070 ​ — ​ 1,070 ​ — ​ 444 ​ — ​ ​ 986 ​ ​ — ​ ​ 473 ​ ​ — Consumer ​ 56 ​ 37 ​ — ​ 54 ​ — ​ 100 ​ — ​ ​ 65 ​ ​ — ​ ​ 94 ​ ​ 1 ​ ​ $ 11,546 ​ $ 14,358 ​ $ — ​ $ 15,016 ​ $ 39 ​ $ 12,737 ​ $ 35 ​ $ 14,611 ​ $ 116 ​ $ 13,945 ​ $ 89 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 522 ​ $ 500 ​ $ 37 ​ $ 250 ​ $ — ​ $ 261 ​ $ — ​ $ 125 ​ $ — ​ $ 257 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 945 ​ ​ 945 ​ ​ 192 ​ ​ 1,201 ​ ​ — ​ ​ 1,510 ​ ​ — ​ ​ 1,433 ​ ​ — ​ ​ 1,267 ​ ​ — Multifamily ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ 52 ​ 135 ​ 21 ​ 135 ​ — ​ — ​ — ​ ​ 101 ​ ​ — ​ ​ — ​ ​ — SBA commercial business ​ 846 ​ 1,032 ​ 577 ​ 1,138 ​ — ​ 454 ​ — ​ ​ 1,202 ​ ​ — ​ ​ 337 ​ ​ — Consumer ​ 169 ​ 169 ​ 169 ​ 196 ​ — ​ 154 ​ — ​ ​ 190 ​ ​ — ​ ​ 146 ​ ​ — ​ ​ $ 2,534 ​ $ 2,781 ​ $ 996 ​ $ 2,920 ​ $ — ​ $ 2,379 ​ $ — ​ $ 3,051 ​ $ — ​ $ 2,007 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,010 ​ $ 3,237 ​ $ 37 ​ $ 3,556 ​ $ 16 ​ $ 3,390 ​ $ 15 ​ $ 3,195 ​ $ 46 ​ $ 3,543 ​ $ 44 Commercial real estate ​ 889 ​ 959 ​ — ​ 969 ​ 8 ​ 1,024 ​ 7 ​ ​ 970 ​ ​ 21 ​ ​ 1,052 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,728 ​ ​ 9,352 ​ ​ 192 ​ ​ 9,628 ​ ​ — ​ ​ 7,951 ​ ​ — ​ ​ 9,622 ​ ​ — ​ ​ 8,538 ​ ​ — Multifamily ​ 327 ​ 371 ​ — ​ 375 ​ 4 ​ 411 ​ 3 ​ ​ 384 ​ ​ 14 ​ ​ 419 ​ ​ 5 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ 728 ​ 912 ​ 21 ​ 950 ​ 11 ​ 1,188 ​ 10 ​ ​ 1,048 ​ ​ 35 ​ ​ 1,350 ​ ​ 18 SBA commercial business ​ 1,173 ​ 2,102 ​ 577 ​ 2,208 ​ — ​ 898 ​ — ​ ​ 2,188 ​ ​ — ​ ​ 810 ​ ​ — Consumer ​ 225 ​ 206 ​ 169 ​ 250 ​ — ​ 254 ​ — ​ ​ 255 ​ ​ — ​ ​ 240 ​ ​ 1 ​ ​ $ 14,080 ​ $ 17,139 ​ $ 996 ​ $ 17,936 ​ $ 39 ​ $ 15,116 ​ $ 35 ​ $ 17,662 ​ $ 116 ​ $ 15,952 ​ $ 89 ​ The following table presents impaired loans individually evaluated for impairment as of September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Related ​ ​ Balance ​ Balance ​ Allowance ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — Commercial real estate ​ 908 ​ 982 ​ — Single tenant net lease ​ — ​ — ​ — SBA commercial real estate ​ 5,213 ​ 5,952 ​ — Multifamily ​ 354 ​ 398 ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — Land and land development ​ ​ — ​ ​ — ​ ​ — Commercial business ​ ​ 998 ​ ​ 1,189 ​ ​ — SBA commercial business ​ 221 ​ 532 ​ — Consumer ​ ​ 93 ​ ​ 81 ​ ​ — ​ ​ $ 10,031 ​ $ 11,658 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — Commercial real estate ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,369 ​ ​ 2,919 ​ ​ 290 Multifamily ​ — ​ — ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ — ​ — ​ — SBA commercial business ​ ​ 856 ​ ​ 1,349 ​ ​ 674 Consumer ​ 145 ​ 145 ​ — ​ ​ $ 3,370 ​ $ 4,413 ​ $ 964 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — Commercial real estate ​ 908 ​ 982 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,582 ​ 8,871 ​ 290 Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ ​ 998 ​ ​ 1,189 ​ ​ — SBA commercial business ​ 1,077 ​ 1,881 ​ 674 Consumer ​ ​ 238 ​ ​ 226 ​ ​ — ​ ​ $ 13,401 ​ $ 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 June 30, 2023 and September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30,2023 ​ 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 ​ $ 1,995 ​ $ — ​ $ 1,995 ​ $ 1,214 ​ $ — ​ $ 1,214 Commercial real estate ​ 524 ​ — ​ ​ 524 ​ ​ 518 ​ ​ — ​ 518 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,728 ​ — ​ ​ 7,728 ​ ​ 7,582 ​ ​ — ​ 7,582 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Commercial business ​ ​ 62 ​ ​ — ​ ​ 62 ​ ​ 73 ​ ​ — ​ ​ 73 SBA commercial business ​ 1,173 ​ — ​ ​ 1,173 ​ ​ 1,077 ​ ​ — ​ 1,077 Consumer ​ ​ 225 ​ ​ — ​ ​ 225 ​ ​ 238 ​ ​ — ​ ​ 238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 11,707 ​ $ — ​ $ 11,707 ​ $ 10,702 ​ $ — ​ $ 10,702 ​ The following table presents the aging of past due loans at June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 620 ​ $ 118 ​ $ 1,422 ​ $ 2,160 ​ $ 485,290 ​ $ 487,450 Commercial real estate ​ 63 ​ — ​ ​ — ​ ​ 63 ​ ​ 186,942 ​ 187,005 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 740,967 ​ ​ 740,967 SBA commercial real estate ​ 651 ​ — ​ ​ 4,063 ​ ​ 4,714 ​ ​ 44,947 ​ 49,661 Multifamily ​ — ​ — ​ ​ — ​ ​ — ​ ​ 35,260 ​ 35,260 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,758 ​ ​ 18,758 Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ 10,656 ​ 10,656 Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ 11,332 ​ 11,332 Commercial business ​ ​ 40 ​ ​ 201 ​ ​ 52 ​ ​ 293 ​ ​ 108,082 ​ ​ 108,375 SBA commercial business ​ — ​ 56 ​ ​ 614 ​ ​ 670 ​ ​ 17,338 ​ 18,008 Consumer ​ ​ 86 ​ ​ 7 ​ ​ 55 ​ ​ 148 ​ ​ 39,495 ​ ​ 39,643 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,460 ​ $ 382 ​ $ 6,206 ​ $ 8,048 ​ $ 1,699,067 ​ $ 1,707,115 ​ The following table presents the aging of 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 ​ $ 1,164 ​ $ 53 ​ $ 204 ​ $ 1,421 ​ $ 366,790 ​ $ 368,211 Commercial real estate ​ — ​ — ​ 518 ​ 518 ​ 169,343 ​ 169,861 Single tenant net lease ​ — ​ — ​ — ​ — ​ 674,567 ​ 674,567 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 3,306 ​ ​ 3,306 ​ ​ 56,073 ​ ​ 59,379 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 32,411 ​ ​ 32,411 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,261 ​ ​ 18,261 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 5,938 ​ ​ 5,938 Land and land development ​ — ​ — ​ — ​ — ​ 11,880 ​ 11,880 Commercial business ​ — ​ — ​ 73 ​ 73 ​ 89,937 ​ 90,010 SBA commercial business ​ 226 ​ — ​ 238 ​ 464 ​ 19,818 ​ 20,282 Consumer ​ 93 ​ — ​ 58 ​ 151 ​ 37,901 ​ 38,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,483 ​ $ 53 ​ $ 4,397 ​ $ 5,933 ​ $ 1,482,919 ​ $ 1,488,852 ​ 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 loans by risk category as of June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2023: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 485,173 ​ $ — ​ $ 2,175 ​ $ 99 ​ $ 3 ​ $ 487,450 Commercial real estate ​ 186,276 ​ — ​ 729 ​ — ​ — ​ 187,005 Single tenant net lease ​ 740,967 ​ — ​ — ​ — ​ — ​ 740,967 SBA commercial real estate ​ 41,104 ​ — ​ 6,897 ​ 1,660 ​ — ​ 49,661 Multifamily ​ 35,260 ​ — ​ — ​ — ​ — ​ 35,260 Residential construction ​ 18,758 ​ — ​ — ​ — ​ — ​ 18,758 Commercial construction ​ 10,656 ​ — ​ — ​ — ​ — ​ 10,656 Land and land development ​ 11,332 ​ — ​ — ​ — ​ — ​ 11,332 Commercial business ​ 108,310 ​ — ​ 65 ​ — ​ — ​ 108,375 SBA commercial business ​ 15,168 ​ — ​ 2,800 ​ 40 ​ — ​ 18,008 Consumer ​ 39,588 ​ — ​ 55 ​ — ​ — ​ 39,643 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,692,592 ​ $ — ​ $ 12,721 ​ $ 1,799 ​ $ 3 ​ $ 1,707,115 ​ The following table presents loans by risk category as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ September 30, 2022: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 366,542 ​ $ — ​ $ 1,499 ​ $ 170 ​ $ — ​ $ 368,211 Commercial real estate ​ 169,133 ​ — ​ 728 ​ — ​ — ​ 169,861 Single tenant net lease ​ ​ 674,567 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 674,567 SBA commercial real estate ​ ​ 49,676 ​ ​ 1,102 ​ ​ 6,935 ​ ​ 1,666 ​ ​ — ​ ​ 59,379 Multifamily ​ ​ 32,411 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 32,411 Residential construction ​ ​ 18,261 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,261 Commercial construction ​ ​ 5,938 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 5,938 Land and land development ​ ​ 11,880 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 11,880 Commercial business ​ 89,675 ​ 250 ​ 85 ​ — ​ — ​ 90,010 SBA commercial business ​ 17,271 ​ 274 ​ 2,696 ​ 41 ​ — ​ 20,282 Consumer ​ 37,959 ​ — ​ 93 ​ — ​ — ​ 38,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,473,313 ​ $ 1,626 ​ $ 12,036 ​ $ 1,877 ​ $ — ​ $ 1,488,852 ​ 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 balance of TDRs at June 30, 2023 and September 30, 2022. There was $101,000 of specific reserve included in the allowance for loan losses related to TDRs at June 30, 2023. 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) June 30, 2023: ​ ​ ​ Residential real estate ​ $ 1,015 ​ $ — ​ $ 1,015 Commercial real estate ​ ​ 365 ​ ​ 524 ​ ​ 889 SBA commercial real estate ​ — ​ 1,625 ​ 1,625 Multifamily ​ ​ 327 ​ ​ — ​ ​ 327 Commercial business ​ 666 ​ — ​ 666 SBA commercial business ​ — ​ 230 ​ 230 Total ​ $ 2,373 ​ $ 2,379 ​ $ 4,752 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ Residential real estate ​ $ 1,030 ​ $ — ​ $ 1,030 Commercial real estate ​ 390 ​ 432 ​ 822 SBA commercial real estate ​ ​ — ​ ​ 1,627 ​ ​ 1,627 Multifamily ​ ​ 354 ​ ​ — ​ ​ 354 Commercial business ​ 925 ​ — ​ 925 SBA commercial business ​ — ​ 265 ​ 265 Total ​ $ 2,699 ​ $ 2,324 ​ $ 5,023 ​ The following table summarizes information regarding TDRs that were restructured during the three-and nine-month periods ended June 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ Pre-Modification ​ Post-Modification ​ Loans Principal Balance Principal Balance ​ (Dollars in thousands) Three Months Ended June 30, 2023: ​ ​ Residential Real Estate ​ 1 ​ $ 31 ​ $ 31 Total ​ 1 ​ $ 31 ​ $ 31 Nine Months Ended June 30, 2023: ​ ​ ​ Residential Real Estate ​ 1 ​ $ 31 ​ $ 31 Total ​ 1 ​ $ 31 ​ $ 31 Three Months Ended June 30, 2022: ​ ​ ​ SBA commercial business ​ 1 ​ $ 397 ​ $ 397 Total ​ 1 ​ $ 397 ​ $ 397 Nine Months Ended June 30, 2022: ​ ​ ​ SBA commercial business ​ 1 ​ $ 397 ​ $ 397 Total ​ 1 ​ $ 397 ​ $ 397 ​ At June 30, 2023 and September 30, 2022, the Company had committed to lend $1,000 to customers with outstanding loans classified as TDRs. There were no principal charge-offs as a result of loans previously designated as TDRs during the three-month period ended June 30, 2023. There were principal charge-offs totaling $6,000 as a result of loans previously designated as TDRs during the nine-month period ended June 30, 2023. There were no principal charge-offs recorded as a result of TDRs during the three- and nine-month periods ended June 30, 2022. 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- and nine-month periods ended June 30, 2023 and 2022, 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 $223.2 million, $238.9 million and $247.5 million at June 30, 2023, September 30, 2022 and June 30, 2022, respectively. Contractually specified late fees and ancillary fees earned on SBA loans were $35,000 and $70,000 for the three- and nine-month periods ended June 30, 2023, respectively. Contractually specified late fees and ancillary fees earned on SBA loans were $20,000 and $74,000 for the three- and nine-month periods ended June 30, 2022, respectively. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans was $578,000 and $1.7 million for the three- and nine-month periods ended June 30, 2023, respectively. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans was $606,000 and $1.9 million for the three- and nine-month periods ended June 30, 2022, 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- and nine-month periods ended June 30, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, ​ ​ 2023 ​ 2022 ​ 2023 ​ 2022 ​ ​ (In thousands) Balance, beginning of period ​ $ 3,727 ​ $ 4,447 ​ $ 3,790 ​ $ 4,447 Servicing rights capitalized ​ 147 ​ 112 ​ ​ 606 ​ ​ 772 Amortization ​ (170) ​ (219) ​ ​ (560) ​ ​ (771) Direct write-offs ​ ​ (330) ​ ​ (103) ​ ​ (641) ​ ​ (217) Change in valuation allowance ​ — ​ (187) ​ ​ 179 ​ ​ (181) Balance, end of period ​ $ 3,374 ​ $ 4,050 ​ $ 3,374 ​ $ 4,050 ​ There was no valuation allowance related to SBA loan servicing rights at June 30, 2023. A valuation allowance of $179,000 related to SBA loan servicing rights at September 30, 2022. 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 June 30, 2023 and September 30, 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ Range of Assumption Range of Assumption ​ ​ (Weighted Average) ​ (Weighted Average) Assumption June 30, 2023 September 30, 2022 Discount rate 9.50% to 14.50% (9.52%) 9.50% to 14.50% (9.51%) Prepayment rate 5.00% to 79.91% (6.89%) 6.01% to 74.89% (6.63%) ​ The unpaid principal balance of residential mortgage loans serviced for others was $4.75 billion and $4.88 billion at June 30, 2023 and September 30, 2022, respectively. Custodial escrow balances maintained in connection with the foregoing loan servicing and other liabilities were $41.6 million and $46.0 million at June 30, 2023 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 $7.2 million for the three- and nine-month periods ended June 30, 2023, 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 $2.2 million and $6.6 million for the three- and nine-month periods ended June 30, 2022, 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- and nine-month periods ended June 30, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, ​ ​ 2023 ​ 2022 ​ 2023 ​ 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value, beginning of period ​ $ 61,194 ​ $ 63,660 ​ $ 63,263 ​ $ 49,579 Servicing rights capitalized ​ ​ 764 ​ ​ 2,731 ​ ​ 1,202 ​ ​ 10,581 Changes in fair value related to: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (1,073) ​ ​ (1,695) ​ ​ (3,137) ​ ​ (6,117) Change in valuation model inputs or assumptions ​ ​ (236) ​ ​ 143 ​ ​ (679) ​ ​ 10,796 Balance, end of period ​ $ 60,649 ​ $ 64,839 ​ $ 60,6

Deposits

Deposits	9 Months Ended
	Jun. 30, 2023
Deposits
Deposits	4. Deposits Deposits at June 30, 2023 and September 30, 2022 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, September 30, ​ ​ 2023 ​ 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 315,602 ​ $ 340,172 NOW accounts ​ 315,187 ​ 343,296 Money market accounts ​ 301,787 ​ 238,219 Savings accounts ​ 158,007 ​ 171,779 Retail time deposits ​ 154,951 ​ 129,864 Brokered & reciprocal time deposits ​ 414,231 ​ 292,504 Total ​ $ 1,659,765 ​ $ 1,515,834 ​

Supplemental Disclosure for Net

Supplemental Disclosure for Net Income Per Share	9 Months Ended
	Jun. 30, 2023
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- and nine-month periods ended June 30, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, (Dollars in thousands, except share and per share data) 2023 2022 ​ 2023 ​ 2022 Basic: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, In. ​ $ 2,324 ​ $ 2,638 ​ $ 8,919 ​ $ 13,978 Shares: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,816,608 ​ 7,073,204 ​ ​ 6,858,739 ​ ​ 7,082,034 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.34 ​ $ 0.37 ​ $ 1.30 ​ $ 1.97 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. ​ $ 2,324 ​ $ 2,638 ​ $ 8,919 ​ $ 13,978 Shares: ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,816,608 ​ 7,073,204 ​ ​ 6,858,739 ​ ​ 7,082,034 Add: Dilutive effect of outstanding Options ​ 3,140 ​ 66,816 ​ ​ 35,027 ​ ​ 74,781 Add: Dilutive effect of restricted stock ​ — ​ 5,268 ​ ​ — ​ ​ 9,817 Weighted average common shares outstanding, as adjusted ​ 6,819,748 ​ 7,145,288 ​ ​ 6,893,766 ​ ​ 7,166,632 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.34 ​ $ 0.37 ​ $ 1.29 ​ $ 1.95 ​ Nonvested restricted stock shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. Stock options for 282,489 shares of common stock were excluded from the calculation of diluted net income per common share for the three- and nine-month periods ended June 30, 2023, because their effect was antidilutive. Stock options for 137,250 shares of common stock were excluded from the calculation of diluted net income per common share for the three-and nine-month periods ended June 30, 2022, 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- and nine-month periods ended June 30, 2023 and 2022.

Fair Value Measurements and Dis

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments	9 Months Ended
	Jun. 30, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments	6. 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 June 30, 2023 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) June 30, 2023: ​ ​ ​ ​ Assets Measured – Recurring Basis: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ — ​ $ 28,469 ​ $ — ​ $ 28,469 Agency mortgage-backed ​ ​ — ​ ​ 26,319 ​ ​ — ​ ​ 26,319 Agency CMO ​ — ​ 13,176 ​ — ​ 13,176 Privately-issued CMO ​ — ​ 408 ​ — ​ 408 Privately-issued ABS ​ — ​ 469 ​ — ​ 469 SBA certificates ​ — ​ 11,245 ​ — ​ 11,245 Municipal bonds ​ — ​ 166,655 ​ — ​ 166,655 Other ​ ​ — ​ ​ 1,656 ​ ​ — ​ ​ 1,656 Total securities available for sale ​ $ — ​ $ 248,397 ​ $ — ​ $ 248,397 Residential mortgage loans held for sale ​ $ — ​ $ 50,066 ​ $ — ​ $ 50,066 Derivative assets (included in other assets) ​ $ — ​ $ 388 ​ $ 741 ​ $ 1,129 Equity securities (included in other assets) ​ $ 149 ​ $ — ​ $ — ​ $ 149 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 60,649 ​ $ 60,649 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 30 ​ $ 67 ​ $ 97 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis: ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ SBA commercial real estate ​ $ — ​ $ — ​ $ 2,435 ​ $ 2,435 Commercial business ​ — ​ — ​ 52 ​ 52 SBA commercial business ​ ​ — ​ ​ — ​ ​ 171 ​ ​ 171 Total collateral dependent loans ​ $ — ​ $ — ​ $ 2,658 ​ $ 2,658 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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: ​ ​ ​ ​ SBA commercial real estate ​ $ — ​ $ — ​ $ 2,574 ​ $ 2,574 Commercial business ​ — ​ — ​ 46 ​ 46 SBA commercial business ​ ​ — ​ ​ — ​ ​ 290 ​ ​ 290 Total collateral dependent 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 nine-month period ended June 30, 2023. Debt Securities Available for Sale and Equity Securities. Residential Mortgage 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- and nine-month periods ended June 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, (In thousands) ​ 2023 2022 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 1,348 ​ $ (2,923) ​ $ (238) ​ $ 1,567 Unrealized gains (losses) recognized in earnings, net of settlements ​ (674) ​ 3,526 ​ ​ 912 ​ ​ (964) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 674 ​ $ 603 ​ $ 674 ​ $ 603 ​ 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. Unrealized gains recognized in earnings for the nine-month period ended June 30, 2023 attributable to Level 3 derivative assets and liabilities held at the balance sheet date were $912,000. Unrealized losses recognized in earnings for the nine-month period ended June 30, 2022 attributable to Level 3 derivative assets and liabilities held at the balance sheet date were $964,000. 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 June 30, 2023 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ Range of Inputs ​ ​ Significant ​ (Weighted Average) ​ (Weighted Average) ​ Unobservable June 30, September 30, Financial Instrument ​ Inputs ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 39% - 95% (72%) 50% - 100% (78%) ​ ​ Direct costs to close 0.00% - 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 June 30, 2023 and September 30, 2022, the significant unobservable inputs used in the fair value measurement of impaired loans were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ ​ ​ Significant ​ (Weighted Average) ​ Range of Inputs (Weighted ​ ​ Unobservable ​ June 30, ​ Average) September 30, Financial Instrument ​ Inputs ​ 2023 ​ 2022 Impaired loans Discount from appraised value 0.0% - 50.0% (14.7%) 0.0% - 80.0% (16.4%) ​ Estimated costs to sell 0.0% - 6.0% (5.9%) 0.0% - 10.0% (5.9%) ​ During the three- and nine -month periods ended June 30, 2023, the Company recognized provisions for loan losses on impaired loans of $261,000 and $825,000, respectively. During the three- and nine-month periods ended June 30, 2022, the Company recognized provisions for loan losses on impaired loans of $508,000 and $1.7 million, respectively. SBA and Nonresidential Loan Servicing Rights ​ ​ ​ ​ ​ ​ ​ Significant Range of Inputs (Weighted ​ ​ Unobservable ​ Average) September 30, Financial Instrument ​ Inputs 2022 SBA loan servicing rights Discount rate 6.90% - 25.00% (12.71%) ​ Prepayment speed 7.08% - 29.26% (15.27%) ​ Impairment of the SBA loan servicing rights is recognized on a quarterly basis through a valuation allowance to the extent that fair value is less than the carrying amount. The Company did not recognize any impairment charges on SBA loan servicing rights for the three-month period ended June 30, 2023. The Company reversed impairment charges of $179,000 on SBA loan servicing rights for the nine 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 June 30, 2023 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- and nine-month periods ended June 30, 2023 and 2022. There were no transfers into or out of the Company’s Level 3 financial assets of the fair value hierarchy for the three- and nine-month period ended June 30, 2023. 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 June 30, 2023 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 June 30, 2023 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ June 30, ​ June 30, ​ ​ ​ (In thousands) 2023 ​ 2023 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 50,066 ​ $ 49,177 ​ $ 889 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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- and nine- month periods ended June 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, (In thousands) ​ 2023 2022 ​ ​ 2023 ​ ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ (234) ​ $ 804 ​ $ 716 ​ $ (117) Interest income ​ 704 ​ 1,127 ​ ​ 1,521 ​ ​ 3,080 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 470 ​ $ 1,931 ​ $ 2,237 ​ $ 2,963 ​ 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) June 30, 2023: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 23,722 ​ $ 23,722 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 18,753 ​ 18,753 ​ — ​ — Interest-bearing time deposits ​ 980 ​ — ​ 980 ​ — Securities available for sale ​ 248,397 ​ — ​ 248,397 ​ — Securities held to maturity ​ 1,391 ​ — ​ 1,411 ​ — Residential mortgage loans held for sale ​ 50,066 ​ ​ — ​ ​ 50,066 ​ — SBA loans held for sale ​ ​ 13,076 ​ ​ — ​ ​ — ​ ​ 14,191 Loans, net ​ 1,691,289 ​ — ​ — ​ 1,594,706 FRB and FHLB stock ​ 24,939 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 10,461 ​ — ​ 10,461 ​ — Residential mortgage loan servicing rights ​ ​ 60,649 ​ ​ — ​ ​ — ​ ​ 60,649 Nonresidential mortgage loan servicing rights ​ ​ 116 ​ ​ — ​ ​ — ​ ​ 116 SBA loan servicing rights ​ 3,374 ​ — ​ — ​ 3,537 Derivative assets (included in other assets) ​ 1,129 ​ — ​ 388 ​ 741 Equity securities (included in other assets) ​ ​ 149 ​ ​ 149 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ 315,602 ​ 315,602 ​ — ​ — Interest-bearing deposits ​ ​ 1,344,163 ​ ​ — ​ ​ — ​ ​ 1,339,449 Borrowings from FHLB ​ 345,000 ​ — ​ 337,656 ​ — Subordinated notes ​ 48,387 ​ — ​ 47,139 ​ — Accrued interest payable ​ 5,782 ​ — ​ 5,782 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 907 ​ ​ — ​ ​ 907 ​ ​ — Derivative liabilities (included in other liabilities) ​ 97 ​ — ​ 30 ​ 67 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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: ​ ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ 340,172 ​ 340,172 ​ — ​ — Interest-bearing deposits ​ ​ 1,175,662 ​ ​ — ​ ​ — ​ ​ 1,170,620 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	9 Months Ended
	Jun. 30, 2023
Stock Based Compensation Plans
Employee Stock Ownership Plan	7. 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- and nine- month periods ended June 30, 2023 and 2022. The ESOP trust held 293,695 shares of Company common stock at June 30, 2023 and September 30, 2022.

Stock Based Compensation Plans

Stock Based Compensation Plans	9 Months Ended
	Jun. 30, 2023
Stock Based Compensation Plans
Stock Based Compensation Plans	8. 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. At June 30, 2023, there were no remaining shares of the Company’s common stock available for issuance under the 2010 Plan. 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 June 30, 2023, 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 June 30, 2023, 93,058 shares of the Company’s common stock were available for issuance under the 2021 Plan, of which 23,265 shares were available for restricted stock and 69,793 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 nine-month periods ended June 30, 2023 and 2022 were determined using the following assumptions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended ​ ​ ​ June 30, ​ ​ ​ 2023 2022 ​ Expected dividend yield ​ 2.93 % ​ 2.32 % Risk-free interest rate ​ 3.94 % ​ 1.55 % Expected volatility ​ 27.7 % ​ 27.0 % Expected life of options ​ 6.8 years ​ ​ 7.1 years ​ Weighted average fair value at grant date ​ $ 5.71 ​ $ 7.03 ​ ​ A summary of stock option activity as of June 30, 2023, and changes during the nine-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 (6,000) ​ 26.72 ​ ​ ​ Outstanding at end of period 411,369 ​ $ 20.79 6.5 ​ $ — Vested and expected to vest 411,369 ​ $ 20.79 6.5 ​ $ — Exercisable at end of period 226,710 ​ $ 17.84 4.9 ​ $ — ​ There were no stock options exercised during the nine-month periods ended June 30, 2023 and 2022. The Company recognized compensation expense related to stock options of $75,000 and $228,000 for the three- and nine-month periods ended June 30, 2023, respectively. The Company recognized compensation expense related to stock options of $82,000 and $215,000 for the three- and nine-month periods ended June 30, 2022, respectively. At June 30, 2023, there was $883,000 of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 3.67 years. There was no cash received or tax benefit from the exercise of stock options during the nine-month periods ended June 30, 2023 and 2022. 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- and nine-month periods ended June 30, 2023 was $98,000 and $298,000, respectively. Compensation expense related to restricted stock recognized for the three- and nine-month periods ended June 30, 2022 was $105,000 and $285,000, respectively. A summary of the Company’s nonvested restricted shares activity as of June 30, 2023 and changes during the nine-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 (2,000) ​ $ 26.72 Nonvested at June 30, 2023 54,916 ​ $ 24.73 ​ There were 16,408 restricted shares vested during the nine-month period ended June 30, 2023 with a total fair value of $369,000. There were 12,225 restricted shares that vested during the nine-month period ended June 30, 2022 with a total fair value of $327,000. At June 30, 2023, there was $1.1 million of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 3.68 years.

Derivative Financial Instrument

Derivative Financial Instruments	9 Months Ended
	Jun. 30, 2023
Derivative Financial Instruments
Derivative Financial Instruments	9. 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 June 30, 2023 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 June 30, 2023 and September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Notional Asset Liability ​ ​ Amount ​ Derivatives ​ Derivatives (In thousands) ​ June 30, 2023 ​ June 30, 2023 ​ June 30, 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 111,653 ​ $ 741 ​ $ 67 Forward mortgage loan sale contracts ​ 104,000 ​ 388 ​ 30 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 215,653 ​ $ 1,129 ​ $ 97 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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-and nine- month periods ended June 30, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, (In thousands) 2023 2022 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ (674) ​ $ 3,526 ​ $ 912 ​ $ (964) Forward mortgage loan sale contracts ​ 1,097 ​ 6,091 ​ ​ 121 ​ ​ 19,098 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 423 ​ $ 9,617 ​ $ 1,033 ​ $ 18,134 ​

Regulatory Capital

Regulatory Capital	9 Months Ended
	Jun. 30, 2023
Regulatory Capital
Regulatory Capital	10. 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 2.50% for 2023 and 2022. The Bank met all capital adequacy requirements to which it was subject as of June 30, 2023 and September 30, 2022. As of June 30, 2023, 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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ For Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes: ​ Action Provisions: ​ Amount Ratio Amount Ratio Amount Ratio ​ ​ (Dollars in thousands) ​ As of June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 231,481 11.73 % $ 157,860 8.00 % ​ N/A N/A ​ Bank ​ 223,772 11.35 ​ 157,747 8.00 ​ $ 197,184 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 166,256 8.43 % $ 118,395 6.00 % N/A N/A ​ Bank ​ 206,934 10.49 ​ 118,311 6.00 ​ $ 157,747 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 166,256 8.43 % $ 88,796 4.50 % N/A N/A ​ Bank ​ 206,934 10.49 ​ 88,733 4.50 ​ $ 128,170 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 166,256 7.28 % $ 91,359 4.00 % N/A N/A ​ Bank ​ 206,934 9.06 ​ 91,386 4.00 ​ $ 114,232 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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	9 Months Ended
	Jun. 30, 2023
Recent Accounting Pronouncements
Recent Accounting Pronouncements	11. 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	9 Months Ended
	Jun. 30, 2023
Segment Reporting
Segment Reporting	12. 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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals Three Months Ended June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 13,407 ​ $ 1,098 ​ $ 360 ​ $ 14,865 Provision (credit) for loan losses ​ ​ 881 ​ ​ (440) ​ ​ — ​ ​ 441 Net interest income after provision ​ ​ 12,526 ​ ​ 1,538 ​ ​ 360 ​ ​ 14,424 Net gains on sales of loans, SBA ​ — ​ 497 ​ — ​ 497 Mortgage banking income ​ 16 ​ — ​ 4,652 ​ 4,668 Noninterest income ​ 1,965 ​ 580 ​ 4,651 ​ 7,196 Noninterest expense ​ 11,010 ​ 2,107 ​ 5,848 ​ 18,965 Income (loss) before taxes ​ 3,481 ​ 11 ​ (837) ​ 2,655 Income tax expense (benefit) ​ 561 ​ (21) ​ (209) ​ 331 Segment profit (loss) ​ 2,920 ​ 32 ​ (628) ​ 2,324 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 618 ​ ​ 5 ​ ​ 22 ​ ​ 645 Segment assets at June 30, 2023 ​ 2,058,442 ​ 84,394 ​ 117,585 ​ 2,260,421 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals Nine Months Ended June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 42,047 ​ $ 3,186 ​ $ 805 ​ $ 46,038 Provision (credit) for loan losses ​ 2,003 ​ (206) ​ — ​ 1,797 Net interest income after provision ​ 40,044 ​ 3,392 ​ 805 ​ 44,241 Net gains on sales of loans, SBA ​ — ​ 2,179 ​ — ​ 2,179 Mortgage banking income ​ 8 ​ — ​ 11,305 ​ 11,313 Noninterest income ​ 5,626 ​ 2,970 ​ 11,304 ​ 19,900 Noninterest expense ​ 31,458 ​ 6,693 ​ 16,324 ​ 54,475 Income (loss) before taxes ​ 14,212 ​ (331) ​ (4,215) ​ 9,666 Income tax expense (benefit) ​ ​ 1,908 ​ ​ (108) ​ ​ (1,053) ​ ​ 747 Segment profit (loss) ​ ​ 12,304 ​ ​ (223) ​ ​ (3,162) ​ ​ 8,919 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 1,817 ​ ​ 16 ​ ​ 74 ​ ​ 1,907 Segment assets at June 30, 2023 ​ 2,058,442 ​ 84,394 ​ 117,585 ​ 2,260,421 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated ​ Banking Lending Banking Totals Three Months Ended June 30, 2022: ​ ​ ​ ​ Net interest income ​ $ 13,848 ​ $ 1,449 ​ $ 614 ​ $ 15,911 Provision (credit) for loan losses ​ 910 ​ (378) ​ — ​ 532 Net interest income after provision ​ 12,938 ​ 1,827 ​ 614 ​ 15,379 Net gains on sales of loans, SBA ​ — ​ 486 ​ — ​ 486 Mortgage banking income ​ — ​ — ​ 7,093 ​ 7,093 Noninterest income ​ 2,379 ​ 584 ​ 7,070 ​ 10,033 Noninterest expense ​ 10,187 ​ 2,341 ​ 10,307 ​ 22,835 Income (loss) before taxes ​ 5,130 ​ 70 ​ (2,623) ​ 2,577 Income tax expense (benefit) ​ 568 ​ 26 ​ (655) ​ (61) Segment profit (loss) ​ 4,562 ​ 44 ​ (1,968) ​ 2,638 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 568 ​ 7 ​ 39 ​ 614 Segment assets at June 30, 2022 ​ 1,733,453 ​ 103,448 ​ 169,765 ​ 2,006,666 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated ​ Banking Lending Banking Totals Nine Months Ended June 30, 2022: ​ ​ ​ ​ Net interest income ​ $ 37,190 ​ $ 4,926 ​ $ 1,711 ​ $ 43,827 Provision for loan losses ​ 526 ​ 502 ​ — ​ 1,028 Net interest income after provision ​ 36,664 ​ 4,424 ​ 1,711 ​ 42,799 Net gains on sales of loans, SBA ​ — ​ 3,449 ​ — ​ 3,449 Mortgage banking income (loss) ​ (2) ​ — ​ 36,093 ​ 36,091 Noninterest income ​ 6,484 ​ 4,143 ​ 36,069 ​ 46,696 Noninterest expense ​ 29,480 ​ 6,830 ​ 36,838 ​ 73,148 Income before taxes ​ 13,668 ​ 1,737 ​ 942 ​ 16,347 Income tax expense ​ 1,398 ​ 531 ​ 440 ​ 2,369 Segment profit ​ 12,270 ​ 1,206 ​ 502 ​ 13,978 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 1,698 ​ 23 ​ 129 ​ 1,850 Segment assets at June 30, 2022 ​ 1,733,453 ​ 103,448 ​ 169,765 ​ 2,006,666 ​

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
	Jun. 30, 2023
Revenue from Contracts with Customers
Revenue from Contracts with Customers	13. 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- and nine- month periods ended June 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, ​ 2023 2022 ​ 2023 ​ 2022 ​ ​ (In thousand) In Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 509 ​ $ 462 ​ $ 1,538 ​ $ 1,329 ATM and interchange fees ​ 615 ​ 774 ​ ​ 1,940 ​ ​ 2,047 Investment advisory income ​ ​ 247 ​ ​ 177 ​ ​ 564 ​ ​ 522 Other ​ 27 ​ 26 ​ ​ 87 ​ ​ 84 Revenue from contracts with customers ​ 1,398 ​ 1,439 ​ ​ 4,129 ​ ​ 3,982 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Out of Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gain (loss) on securities ​ ​ (529) ​ ​ 465 ​ ​ (494) ​ ​ 465 Gain on sale of SBA loans ​ 497 ​ 486 ​ ​ 2,179 ​ ​ 3,449 Gain on sale of single tenant net lease loans ​ ​ — ​ ​ — ​ ​ — ​ ​ 719 Mortgage banking income ​ 4,668 ​ 7,093 ​ ​ 11,313 ​ ​ 36,091 Increase in cash value of life insurance ​ 279 ​ 277 ​ ​ 770 ​ ​ 782 Real estate lease income ​ 119 ​ 155 ​ ​ 353 ​ ​ 451 Loan servicing and other income ​ ​ 764 ​ ​ 118 ​ ​ 1,650 ​ ​ 757 Other noninterest income ​ 5,798 ​ 8,594 ​ ​ 15,771 ​ ​ 42,714 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 7,196 ​ $ 10,033 ​ $ 19,900 ​ $ 46,696 ​ 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	9 Months Ended
	Jun. 30, 2023
Mortgage Banking Income
Mortgage Banking Income	14. Mortgage Banking Income The components of mortgage banking income for the three- and nine-month periods ended June 30, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Nine Months Ended ​ ​ June 30, June 30, ​ 2023 2022 2023 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ 2,599 ​ $ (6,768) ​ $ 5,216 ​ $ (2,231) Mortgage brokerage income ​ 74 ​ 175 ​ ​ 284 ​ ​ 713 Net change in fair value of loans held for sale and interest rate lock commitments ​ (908) ​ 4,330 ​ ​ 1,627 ​ ​ (3,098) Realized and unrealized gains from Forward sales commitments ​ 1,097 ​ 6,091 ​ ​ 121 ​ ​ 19,098 Capitalized residential mortgage loan servicing rights ​ 764 ​ 2,731 ​ ​ 1,202 ​ ​ 10,581 Net change in fair value of residential mortgage loan servicing rights ​ (1,309) ​ (1,552) ​ ​ (3,816) ​ ​ 4,679 Provisions for loan repurchases and indemnifications ​ (70) ​ ​ (154) ​ ​ (559) ​ ​ (246) Net loan servicing income ​ 2,421 ​ ​ 2,240 ​ ​ 7,238 ​ ​ 6,595 Total mortgage banking income ​ $ 4,668 ​ $ 7,093 ​ $ 11,313 ​ $ 36,091 (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

Loss Contingency

Loss Contingency	9 Months Ended
	Jun. 30, 2023
Loss Contingency
Loss Contingency	15. 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 June 30, 2023, the amount of which had an immaterial effect on the condensed consolidated financial statements. ​ The Bank is in discussions with the Federal Reserve Board regarding an alleged violation of law or regulation occurring during 2019. These discussions with the Federal Reserve Board regarding the allegation began in March 2023. The Bank is cooperating with the Federal Reserve Board and continues to review this matter internally and with external legal counsel. The foregoing could result in enforcement action against the Bank including civil money penalties and remedial measures. The Bank is unable to estimate a range of potential loss at this time.

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Jun. 30, 2023
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) June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ 31,798 ​ $ — ​ $ 3,329 ​ $ 28,469 Agency mortgage-backed ​ ​ 29,235 ​ ​ 1 ​ ​ 2,917 ​ ​ 26,319 Agency CMO ​ 14,206 ​ — ​ 1,030 ​ 13,176 Privately-issued CMO ​ 432 ​ 3 ​ 27 ​ 408 Privately-issued ABS ​ 458 ​ 14 ​ 3 ​ 469 SBA certificates ​ 11,707 ​ — ​ 462 ​ 11,245 Municipal bonds ​ 180,814 ​ 293 ​ 14,452 ​ 166,655 Other ​ ​ 2,000 ​ ​ — ​ ​ 344 ​ ​ 1,656 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale ​ $ 270,650 ​ $ 311 ​ $ 22,564 ​ $ 248,397 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 37 ​ $ — ​ $ 1 ​ $ 36 Municipal bonds ​ 1,354 ​ 21 ​ — ​ 1,375 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,391 ​ $ 21 ​ $ 1 ​ $ 1,411 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gain Losses Value ​ ​ (In thousands) September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt 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 debt securities available for sale ​ $ 350,794 ​ $ 191 ​ $ 34,468 ​ $ 316,517 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 45 ​ $ — ​ $ — ​ $ 45 Municipal bonds ​ 1,513 ​ 35 ​ — ​ 1,548 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt 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 June 30, 2023 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 ​ $ 4,570 ​ $ 4,538 ​ $ 251 ​ $ 253 Due after one year through five years ​ 9,576 ​ 9,466 ​ 694 ​ 704 Due after five years through ten years ​ 48,048 ​ 43,969 ​ 409 ​ 418 Due after ten years ​ 152,418 ​ 138,807 ​ — ​ — CMO ​ 14,638 ​ 13,584 ​ — ​ — ABS ​ 458 ​ 469 ​ — ​ — SBA certificates ​ 11,707 ​ 11,245 ​ — ​ — Mortgage-backed securities ​ 29,235 ​ 26,319 ​ 37 ​ 36 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 270,650 ​ $ 248,397 ​ $ 1,391 ​ $ 1,411
Schedule of investment securities with gross unrealized losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized ​ Positions Value Losses ​ ​ (Dollars in thousands) June 30, 2023: ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ U.S. Treasury bills and notes ​ 3 ​ $ 879 ​ $ 5 Agency mortgage-backed ​ 6 ​ ​ 4,999 ​ ​ 186 Agency CMO ​ 2 ​ ​ 5,328 ​ ​ 320 SBA certificates ​ 2 ​ ​ 10,339 ​ ​ 445 Municipal bonds ​ 36 ​ ​ 39,369 ​ ​ 966 Other 1 ​ ​ 1,656 ​ ​ 344 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 50 ​ 62,570 ​ 2,266 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ U.S. Treasury bills and notes ​ 7 ​ ​ 27,590 ​ ​ 3,324 Agency mortgage-backed ​ 10 ​ ​ 21,007 ​ ​ 2,731 Agency CMO ​ 13 ​ ​ 7,848 ​ ​ 710 Privately-issued CMO ​ 2 ​ ​ 387 ​ ​ 27 Privately-issued ABS 1 ​ 226 ​ 3 SBA certificates 1 ​ 896 ​ 17 Municipal bonds 101 ​ 92,677 ​ 13,486 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 135 ​ 150,631 ​ 20,298 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 185 ​ $ 213,201 ​ $ 22,564 ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months ​ — ​ ​ — ​ ​ — Continuous loss position more than twelve months: Agency mortgage-backed ​ 1 ​ ​ 19 ​ ​ 1 Total more than twelve months ​ 1 ​ ​ 19 ​ ​ 1 Total debt securities held to maturity ​ 1 ​ $ 19 ​ $ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ Debt 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 debt securities available for sale 309 ​ $ 276,514 ​ $ 34,468

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Jun. 30, 2023
Loans and Allowance for Loan Losses
Schedule of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, September 30, ​ ​ 2023 ​ 2022 ​ ​ ​ (In thousands) Real estate mortgage: ​ ​ Residential ​ $ 487,450 ​ $ 368,211 Commercial ​ 187,005 ​ 169,861 Single tenant net lease ​ ​ 740,967 ​ ​ 674,567 SBA commercial (1) ​ ​ 49,661 ​ ​ 59,379 Multifamily ​ 35,260 ​ 32,411 Residential construction ​ 18,758 ​ 18,261 Commercial construction ​ 10,656 ​ 5,938 Land and land development ​ 11,332 ​ 11,880 Commercial business ​ 108,375 ​ 90,010 SBA commercial business (1) ​ ​ 18,008 ​ ​ 20,282 Consumer ​ ​ 39,643 ​ ​ 38,052 Total loans ​ 1,707,115 ​ 1,488,852 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net ​ 1,012 ​ 1,052 Allowance for loan losses ​ (16,838) ​ (15,360) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,691,289 ​ $ 1,474,544 (1) Includes discounts on SBA loans of $3.7 million and $4.3 million at June 30, 2023 and September 30, 2022, respectively.
Schedule of components of recorded investment in loans	The following table provides the components of loans as of June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for ​ Evaluated for ​ ​ Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ ​ Residential real estate ​ $ 3,010 ​ $ 484,440 ​ $ 487,450 Commercial real estate ​ ​ 889 ​ ​ 186,116 ​ ​ 187,005 Single tenant net lease ​ ​ — ​ ​ 740,967 ​ ​ 740,967 SBA commercial real estate ​ ​ 7,728 ​ ​ 41,933 ​ ​ 49,661 Multifamily ​ ​ 327 ​ ​ 34,933 ​ ​ 35,260 Residential construction ​ ​ — ​ ​ 18,758 ​ ​ 18,758 Commercial construction ​ ​ — ​ ​ 10,656 ​ ​ 10,656 Land and land development ​ ​ — ​ ​ 11,332 ​ ​ 11,332 Commercial business ​ ​ 728 ​ ​ 107,647 ​ ​ 108,375 SBA commercial business ​ ​ 1,173 ​ ​ 16,835 ​ ​ 18,008 Consumer ​ ​ 225 ​ ​ 39,418 ​ ​ 39,643 ​ ​ $ 14,080 ​ $ 1,693,035 ​ $ 1,707,115 ​ The following table provides the components of loans as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for ​ Evaluated for ​ ​ Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 365,967 ​ $ 368,211 Commercial real estate ​ ​ 908 ​ ​ 168,953 ​ ​ 169,861 Single tenant net lease ​ ​ — ​ ​ 674,567 ​ ​ 674,567 SBA commercial real estate ​ ​ 7,582 ​ ​ 51,797 ​ ​ 59,379 Multifamily ​ ​ 354 ​ ​ 32,057 ​ ​ 32,411 Residential construction ​ ​ — ​ ​ 18,261 ​ ​ 18,261 Commercial construction ​ ​ — ​ ​ 5,938 ​ ​ 5,938 Land and land development ​ ​ — ​ ​ 11,880 ​ ​ 11,880 Commercial business ​ ​ 998 ​ ​ 89,012 ​ ​ 90,010 SBA commercial business ​ ​ 1,077 ​ ​ 19,205 ​ ​ 20,282 Consumer ​ ​ 238 ​ ​ 37,814 ​ ​ 38,052 ​ ​ $ 13,401 ​ $ 1,475,451 ​ $ 1,488,852
Schedule of allowance for loan losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ 37 $ 4,095 $ 4,132 Commercial real estate ​ ​ — ​ ​ 1,783 ​ ​ 1,783 Single tenant net lease ​ ​ — ​ ​ 3,723 ​ ​ 3,723 SBA commercial real estate ​ 192 ​ 2,116 ​ 2,308 Multifamily ​ ​ — ​ ​ 265 ​ ​ 265 Residential construction ​ ​ — ​ ​ 327 ​ ​ 327 Commercial construction ​ ​ — ​ ​ 206 ​ ​ 206 Land and land development ​ ​ — ​ ​ 201 ​ ​ 201 Commercial business ​ ​ 21 ​ ​ 1,472 ​ ​ 1,493 SBA commercial business ​ ​ 577 ​ ​ 1,345 ​ ​ 1,922 Consumer ​ ​ 169 ​ ​ 309 ​ ​ 478 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 996 ​ $ 15,842 ​ $ 16,838 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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) June 30, 2023: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,537 ​ $ 603 ​ $ (8) ​ $ — ​ $ 4,132 Commercial real estate ​ 1,783 ​ — ​ — ​ — ​ 1,783 Single tenant net lease ​ 3,726 ​ (3) ​ — ​ — ​ 3,723 SBA commercial real estate ​ 2,607 ​ (263) ​ (39) ​ 3 ​ 2,308 Multifamily ​ 326 ​ (61) ​ — ​ — ​ 265 Residential construction ​ 246 ​ 81 ​ — ​ — ​ 327 Commercial construction ​ 83 ​ 123 ​ — ​ — ​ 206 Land and land development ​ 198 ​ 3 ​ — ​ — ​ 201 Commercial business ​ 1,322 ​ 162 ​ — ​ 9 ​ 1,493 SBA commercial business ​ 2,088 ​ (177) ​ — ​ 11 ​ 1,922 Consumer ​ 542 ​ (27) ​ (46) ​ 9 ​ 478 ​ ​ $ 16,458 ​ $ 441 ​ $ (93) ​ $ 32 ​ $ 16,838 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,345 ​ $ 1,091 ​ $ — ​ $ 5 ​ $ 2,441 Commercial real estate ​ 2,451 ​ (916) ​ — ​ — ​ 1,535 Single tenant net lease ​ 2,619 ​ 944 ​ — ​ — ​ 3,563 SBA commercial real estate ​ 3,633 ​ (745) ​ (71) ​ 15 ​ 2,832 Multifamily ​ 353 ​ (90) ​ — ​ — ​ 263 Residential construction ​ 233 ​ 55 ​ — ​ — ​ 288 Commercial construction ​ 67 ​ 21 ​ — ​ — ​ 88 Land and land development ​ 243 ​ (82) ​ — ​ — ​ 161 Commercial business ​ 1,303 ​ (93) ​ — ​ 30 ​ 1,240 SBA commercial business ​ 1,775 ​ 377 ​ (1) ​ 20 ​ 2,171 Consumer ​ 453 ​ (30) ​ (37) ​ 12 ​ 398 ​ ​ $ 14,475 ​ $ 532 ​ $ (109) ​ $ 82 ​ $ 14,980 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Provisions ​ ​ ​ ​ ​ ​ ​ Ending ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ 1,409 ​ $ (8) ​ $ 15 ​ $ 4,132 Commercial real estate ​ 1,590 ​ 193 ​ — ​ — ​ 1,783 Single tenant net lease ​ 3,838 ​ (115) ​ — ​ — ​ 3,723 SBA commercial real estate ​ 2,578 ​ (157) ​ (116) ​ 3 ​ 2,308 Multifamily ​ 251 ​ 14 ​ — ​ — ​ 265 Residential construction ​ 305 ​ 22 ​ — ​ — ​ 327 Commercial construction ​ 107 ​ 99 ​ — ​ — ​ 206 Land and land development ​ 212 ​ (11) ​ — ​ — ​ 201 Commercial business ​ 1,193 ​ 231 ​ — ​ 69 ​ 1,493 SBA commercial business ​ 2,122 ​ (49) ​ (190) ​ 39 ​ 1,922 Consumer ​ 448 ​ 161 ​ (167) ​ 36 ​ 478 ​ ​ $ 15,360 ​ $ 1,797 ​ $ (481) ​ $ 162 ​ $ 16,838 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ 1,015 ​ $ (23) ​ $ 11 ​ $ 2,441 Commercial real estate ​ 2,806 ​ (1,271) ​ — ​ — ​ 1,535 Single tenant net lease ​ 2,422 ​ 1,141 ​ — ​ — ​ 3,563 SBA commercial real estate ​ 3,475 ​ (548) ​ (110) ​ 15 ​ 2,832 Multifamily ​ 518 ​ (255) ​ — ​ — ​ 263 Residential construction ​ 191 ​ 97 ​ — ​ — ​ 288 Commercial construction ​ 63 ​ 25 ​ — ​ — ​ 88 Land and land development ​ 235 ​ (74) ​ — ​ — ​ 161 Commercial business ​ 1,284 ​ (133) ​ — ​ 89 ​ 1,240 SBA commercial business ​ 1,346 ​ 1,059 ​ (285) ​ 51 ​ 2,171 Consumer ​ 523 ​ (28) ​ (127) ​ 30 ​ 398 ​ ​ $ 14,301 ​ $ 1,028 ​ $ (545) ​ $ 196 ​ $ 14,980
Schedule of impaired loans individually evaluated for impairment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30, 2023 ​ Three Months Ended June 30, ​ Nine Months Ended June 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 ​ 2023 ​ 2022 ​ 2022 2023 ​ 2023 ​ 2022 ​ 2022 ​ ​ ​ Unpaid ​ ​ Average Interest Average Interest Average ​ Interest ​ Average ​ Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ Recorded ​ Income Recorded ​ Income ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ Balance Recognized Balance Recognized Balance Recognized ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,488 ​ $ 2,737 ​ $ — ​ $ 3,306 ​ $ 16 ​ $ 3,129 ​ $ 15 ​ $ 3,070 ​ $ 46 ​ $ 3,286 ​ $ 44 Commercial real estate ​ 889 ​ 959 ​ — ​ 969 ​ 8 ​ 1,024 ​ 7 ​ ​ 970 ​ ​ 21 ​ ​ 1,052 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 6,783 ​ ​ 8,407 ​ ​ — ​ ​ 8,427 ​ ​ — ​ ​ 6,441 ​ ​ — ​ ​ 8,189 ​ ​ — ​ ​ 7,271 ​ ​ — Multifamily ​ 327 ​ 371 ​ — ​ 375 ​ 4 ​ 411 ​ 3 ​ ​ 384 ​ ​ 14 ​ ​ 419 ​ ​ 5 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ 676 ​ 777 ​ — ​ 815 ​ 11 ​ 1,188 ​ 10 ​ ​ 947 ​ ​ 35 ​ ​ 1,350 ​ ​ 18 SBA commercial business ​ 327 ​ 1,070 ​ — ​ 1,070 ​ — ​ 444 ​ — ​ ​ 986 ​ ​ — ​ ​ 473 ​ ​ — Consumer ​ 56 ​ 37 ​ — ​ 54 ​ — ​ 100 ​ — ​ ​ 65 ​ ​ — ​ ​ 94 ​ ​ 1 ​ ​ $ 11,546 ​ $ 14,358 ​ $ — ​ $ 15,016 ​ $ 39 ​ $ 12,737 ​ $ 35 ​ $ 14,611 ​ $ 116 ​ $ 13,945 ​ $ 89 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 522 ​ $ 500 ​ $ 37 ​ $ 250 ​ $ — ​ $ 261 ​ $ — ​ $ 125 ​ $ — ​ $ 257 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 945 ​ ​ 945 ​ ​ 192 ​ ​ 1,201 ​ ​ — ​ ​ 1,510 ​ ​ — ​ ​ 1,433 ​ ​ — ​ ​ 1,267 ​ ​ — Multifamily ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ 52 ​ 135 ​ 21 ​ 135 ​ — ​ — ​ — ​ ​ 101 ​ ​ — ​ ​ — ​ ​ — SBA commercial business ​ 846 ​ 1,032 ​ 577 ​ 1,138 ​ — ​ 454 ​ — ​ ​ 1,202 ​ ​ — ​ ​ 337 ​ ​ — Consumer ​ 169 ​ 169 ​ 169 ​ 196 ​ — ​ 154 ​ — ​ ​ 190 ​ ​ — ​ ​ 146 ​ ​ — ​ ​ $ 2,534 ​ $ 2,781 ​ $ 996 ​ $ 2,920 ​ $ — ​ $ 2,379 ​ $ — ​ $ 3,051 ​ $ — ​ $ 2,007 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,010 ​ $ 3,237 ​ $ 37 ​ $ 3,556 ​ $ 16 ​ $ 3,390 ​ $ 15 ​ $ 3,195 ​ $ 46 ​ $ 3,543 ​ $ 44 Commercial real estate ​ 889 ​ 959 ​ — ​ 969 ​ 8 ​ 1,024 ​ 7 ​ ​ 970 ​ ​ 21 ​ ​ 1,052 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,728 ​ ​ 9,352 ​ ​ 192 ​ ​ 9,628 ​ ​ — ​ ​ 7,951 ​ ​ — ​ ​ 9,622 ​ ​ — ​ ​ 8,538 ​ ​ — Multifamily ​ 327 ​ 371 ​ — ​ 375 ​ 4 ​ 411 ​ 3 ​ ​ 384 ​ ​ 14 ​ ​ 419 ​ ​ 5 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ 728 ​ 912 ​ 21 ​ 950 ​ 11 ​ 1,188 ​ 10 ​ ​ 1,048 ​ ​ 35 ​ ​ 1,350 ​ ​ 18 SBA commercial business ​ 1,173 ​ 2,102 ​ 577 ​ 2,208 ​ — ​ 898 ​ — ​ ​ 2,188 ​ ​ — ​ ​ 810 ​ ​ — Consumer ​ 225 ​ 206 ​ 169 ​ 250 ​ — ​ 254 ​ — ​ ​ 255 ​ ​ — ​ ​ 240 ​ ​ 1 ​ ​ $ 14,080 ​ $ 17,139 ​ $ 996 ​ $ 17,936 ​ $ 39 ​ $ 15,116 ​ $ 35 ​ $ 17,662 ​ $ 116 ​ $ 15,952 ​ $ 89 The following table presents impaired loans individually evaluated for impairment as of September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Related ​ ​ Balance ​ Balance ​ Allowance ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — Commercial real estate ​ 908 ​ 982 ​ — Single tenant net lease ​ — ​ — ​ — SBA commercial real estate ​ 5,213 ​ 5,952 ​ — Multifamily ​ 354 ​ 398 ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — Land and land development ​ ​ — ​ ​ — ​ ​ — Commercial business ​ ​ 998 ​ ​ 1,189 ​ ​ — SBA commercial business ​ 221 ​ 532 ​ — Consumer ​ ​ 93 ​ ​ 81 ​ ​ — ​ ​ $ 10,031 ​ $ 11,658 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — Commercial real estate ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,369 ​ ​ 2,919 ​ ​ 290 Multifamily ​ — ​ — ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ — ​ — ​ — SBA commercial business ​ ​ 856 ​ ​ 1,349 ​ ​ 674 Consumer ​ 145 ​ 145 ​ — ​ ​ $ 3,370 ​ $ 4,413 ​ $ 964 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — Commercial real estate ​ 908 ​ 982 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,582 ​ 8,871 ​ 290 Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ ​ 998 ​ ​ 1,189 ​ ​ — SBA commercial business ​ 1,077 ​ 1,881 ​ 674 Consumer ​ ​ 238 ​ ​ 226 ​ ​ — ​ ​ $ 13,401 ​ $ 16,071 ​ $ 964 ​
Schedule of nonperforming loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30,2023 ​ 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 ​ $ 1,995 ​ $ — ​ $ 1,995 ​ $ 1,214 ​ $ — ​ $ 1,214 Commercial real estate ​ 524 ​ — ​ ​ 524 ​ ​ 518 ​ ​ — ​ 518 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,728 ​ — ​ ​ 7,728 ​ ​ 7,582 ​ ​ — ​ 7,582 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ — ​ — Commercial business ​ ​ 62 ​ ​ — ​ ​ 62 ​ ​ 73 ​ ​ — ​ ​ 73 SBA commercial business ​ 1,173 ​ — ​ ​ 1,173 ​ ​ 1,077 ​ ​ — ​ 1,077 Consumer ​ ​ 225 ​ ​ — ​ ​ 225 ​ ​ 238 ​ ​ — ​ ​ 238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 11,707 ​ $ — ​ $ 11,707 ​ $ 10,702 ​ $ — ​ $ 10,702
Schedule of aging of recorded investment in past due loans	The following table presents the aging of past due loans at June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 620 ​ $ 118 ​ $ 1,422 ​ $ 2,160 ​ $ 485,290 ​ $ 487,450 Commercial real estate ​ 63 ​ — ​ ​ — ​ ​ 63 ​ ​ 186,942 ​ 187,005 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 740,967 ​ ​ 740,967 SBA commercial real estate ​ 651 ​ — ​ ​ 4,063 ​ ​ 4,714 ​ ​ 44,947 ​ 49,661 Multifamily ​ — ​ — ​ ​ — ​ ​ — ​ ​ 35,260 ​ 35,260 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,758 ​ ​ 18,758 Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ 10,656 ​ 10,656 Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ 11,332 ​ 11,332 Commercial business ​ ​ 40 ​ ​ 201 ​ ​ 52 ​ ​ 293 ​ ​ 108,082 ​ ​ 108,375 SBA commercial business ​ — ​ 56 ​ ​ 614 ​ ​ 670 ​ ​ 17,338 ​ 18,008 Consumer ​ ​ 86 ​ ​ 7 ​ ​ 55 ​ ​ 148 ​ ​ 39,495 ​ ​ 39,643 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,460 ​ $ 382 ​ $ 6,206 ​ $ 8,048 ​ $ 1,699,067 ​ $ 1,707,115 ​ The following table presents the aging of 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 ​ $ 1,164 ​ $ 53 ​ $ 204 ​ $ 1,421 ​ $ 366,790 ​ $ 368,211 Commercial real estate ​ — ​ — ​ 518 ​ 518 ​ 169,343 ​ 169,861 Single tenant net lease ​ — ​ — ​ — ​ — ​ 674,567 ​ 674,567 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 3,306 ​ ​ 3,306 ​ ​ 56,073 ​ ​ 59,379 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 32,411 ​ ​ 32,411 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,261 ​ ​ 18,261 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 5,938 ​ ​ 5,938 Land and land development ​ — ​ — ​ — ​ — ​ 11,880 ​ 11,880 Commercial business ​ — ​ — ​ 73 ​ 73 ​ 89,937 ​ 90,010 SBA commercial business ​ 226 ​ — ​ 238 ​ 464 ​ 19,818 ​ 20,282 Consumer ​ 93 ​ — ​ 58 ​ 151 ​ 37,901 ​ 38,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,483 ​ $ 53 ​ $ 4,397 ​ $ 5,933 ​ $ 1,482,919 ​ $ 1,488,852
Schedule of investment in loans by risk category	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2023: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 485,173 ​ $ — ​ $ 2,175 ​ $ 99 ​ $ 3 ​ $ 487,450 Commercial real estate ​ 186,276 ​ — ​ 729 ​ — ​ — ​ 187,005 Single tenant net lease ​ 740,967 ​ — ​ — ​ — ​ — ​ 740,967 SBA commercial real estate ​ 41,104 ​ — ​ 6,897 ​ 1,660 ​ — ​ 49,661 Multifamily ​ 35,260 ​ — ​ — ​ — ​ — ​ 35,260 Residential construction ​ 18,758 ​ — ​ — ​ — ​ — ​ 18,758 Commercial construction ​ 10,656 ​ — ​ — ​ — ​ — ​ 10,656 Land and land development ​ 11,332 ​ — ​ — ​ — ​ — ​ 11,332 Commercial business ​ 108,310 ​ — ​ 65 ​ — ​ — ​ 108,375 SBA commercial business ​ 15,168 ​ — ​ 2,800 ​ 40 ​ — ​ 18,008 Consumer ​ 39,588 ​ — ​ 55 ​ — ​ — ​ 39,643 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,692,592 ​ $ — ​ $ 12,721 ​ $ 1,799 ​ $ 3 ​ $ 1,707,115 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ September 30, 2022: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 366,542 ​ $ — ​ $ 1,499 ​ $ 170 ​ $ — ​ $ 368,211 Commercial real estate ​ 169,133 ​ — ​ 728 ​ — ​ — ​ 169,861 Single tenant net lease ​ ​ 674,567 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 674,567 SBA commercial real estate ​ ​ 49,676 ​ ​ 1,102 ​ ​ 6,935 ​ ​ 1,666 ​ ​ — ​ ​ 59,379 Multifamily ​ ​ 32,411 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 32,411 Residential construction ​ ​ 18,261 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 18,261 Commercial construction ​ ​ 5,938 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 5,938 Land and land development ​ ​ 11,880 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 11,880 Commercial business ​ 89,675 ​ 250 ​ 85 ​ — ​ — ​ 90,010 SBA commercial business ​ 17,271 ​ 274 ​ 2,696 ​ 41 ​ — ​ 20,282 Consumer ​ 37,959 ​ — ​ 93 ​ — ​ — ​ 38,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,473,313 ​ $ 1,626 ​ $ 12,036 ​ $ 1,877 ​ $ — ​ $ 1,488,852
Schedule of information regarding TDRs that were restructured	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Accruing Nonaccrual Total ​ ​ (In thousands) June 30, 2023: ​ ​ ​ Residential real estate ​ $ 1,015 ​ $ — ​ $ 1,015 Commercial real estate ​ ​ 365 ​ ​ 524 ​ ​ 889 SBA commercial real estate ​ — ​ 1,625 ​ 1,625 Multifamily ​ ​ 327 ​ ​ — ​ ​ 327 Commercial business ​ 666 ​ — ​ 666 SBA commercial business ​ — ​ 230 ​ 230 Total ​ $ 2,373 ​ $ 2,379 ​ $ 4,752 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ Residential real estate ​ $ 1,030 ​ $ — ​ $ 1,030 Commercial real estate ​ 390 ​ 432 ​ 822 SBA commercial real estate ​ ​ — ​ ​ 1,627 ​ ​ 1,627 Multifamily ​ ​ 354 ​ ​ — ​ ​ 354 Commercial business ​ 925 ​ — ​ 925 SBA commercial business ​ — ​ 265 ​ 265 Total ​ $ 2,699 ​ $ 2,324 ​ $ 5,023
Schedule of Troubled Debt Restructurings	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ Pre-Modification ​ Post-Modification ​ Loans Principal Balance Principal Balance ​ (Dollars in thousands) Three Months Ended June 30, 2023: ​ ​ Residential Real Estate ​ 1 ​ $ 31 ​ $ 31 Total ​ 1 ​ $ 31 ​ $ 31 Nine Months Ended June 30, 2023: ​ ​ ​ Residential Real Estate ​ 1 ​ $ 31 ​ $ 31 Total ​ 1 ​ $ 31 ​ $ 31 Three Months Ended June 30, 2022: ​ ​ ​ SBA commercial business ​ 1 ​ $ 397 ​ $ 397 Total ​ 1 ​ $ 397 ​ $ 397 Nine Months Ended June 30, 2022: ​ ​ ​ SBA commercial business ​ 1 ​ $ 397 ​ $ 397 Total ​ 1 ​ $ 397 ​ $ 397
SBA loan servicing rights
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, ​ ​ 2023 ​ 2022 ​ 2023 ​ 2022 ​ ​ (In thousands) Balance, beginning of period ​ $ 3,727 ​ $ 4,447 ​ $ 3,790 ​ $ 4,447 Servicing rights capitalized ​ 147 ​ 112 ​ ​ 606 ​ ​ 772 Amortization ​ (170) ​ (219) ​ ​ (560) ​ ​ (771) Direct write-offs ​ ​ (330) ​ ​ (103) ​ ​ (641) ​ ​ (217) Change in valuation allowance ​ — ​ (187) ​ ​ 179 ​ ​ (181) Balance, end of period ​ $ 3,374 ​ $ 4,050 ​ $ 3,374 ​ $ 4,050
Mortgage servicing rights
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, ​ ​ 2023 ​ 2022 ​ 2023 ​ 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value, beginning of period ​ $ 61,194 ​ $ 63,660 ​ $ 63,263 ​ $ 49,579 Servicing rights capitalized ​ ​ 764 ​ ​ 2,731 ​ ​ 1,202 ​ ​ 10,581 Changes in fair value related to: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (1,073) ​ ​ (1,695) ​ ​ (3,137) ​ ​ (6,117) Change in valuation model inputs or assumptions ​ ​ (236) ​ ​ 143 ​ ​ (679) ​ ​ 10,796 Balance, end of period ​ $ 60,649 ​ $ 64,839 ​ $ 60,649 ​ $ 64,839
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ ​ ​ Range of Assumption Range of Assumption ​ ​ (Weighted Average) ​ (Weighted Average) Assumption June 30, 2023 September 30, 2022 Discount rate 9.50% to 14.50% (9.52%) 9.50% to 14.50% (9.51%) Prepayment rate 5.00% to 79.91% (6.89%) 6.01% to 74.89% (6.63%)
Nonresidential MSR
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, ​ 2023 2022 2023 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ Balance, beginning of period ​ $ 124 ​ $ 160 ​ $ 141 ​ $ — Servicing rights capitalized ​ — ​ — ​ ​ — ​ ​ 160 Amortization ​ (8) ​ (10) ​ ​ (25) ​ ​ (10) Direct write-offs ​ — ​ — ​ ​ — ​ ​ — Change in valuation allowance ​ — ​ ​ — ​ ​ — ​ ​ — Balance, end of period ​ $ 116 ​ $ 150 ​ $ 116 ​ $ 150

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Jun. 30, 2023
Deposits
Schedule of deposits	​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, September 30, ​ ​ 2023 ​ 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 315,602 ​ $ 340,172 NOW accounts ​ 315,187 ​ 343,296 Money market accounts ​ 301,787 ​ 238,219 Savings accounts ​ 158,007 ​ 171,779 Retail time deposits ​ 154,951 ​ 129,864 Brokered & reciprocal time deposits ​ 414,231 ​ 292,504 Total ​ $ 1,659,765 ​ $ 1,515,834

Supplemental Disclosure for N_2

Supplemental Disclosure for Net Income Per Share (Tables)	9 Months Ended
	Jun. 30, 2023
Supplemental Disclosure for Net Income Per Share
Schedule of net income per share information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, (Dollars in thousands, except share and per share data) 2023 2022 ​ 2023 ​ 2022 Basic: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, In. ​ $ 2,324 ​ $ 2,638 ​ $ 8,919 ​ $ 13,978 Shares: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,816,608 ​ 7,073,204 ​ ​ 6,858,739 ​ ​ 7,082,034 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.34 ​ $ 0.37 ​ $ 1.30 ​ $ 1.97 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. ​ $ 2,324 ​ $ 2,638 ​ $ 8,919 ​ $ 13,978 Shares: ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,816,608 ​ 7,073,204 ​ ​ 6,858,739 ​ ​ 7,082,034 Add: Dilutive effect of outstanding Options ​ 3,140 ​ 66,816 ​ ​ 35,027 ​ ​ 74,781 Add: Dilutive effect of restricted stock ​ — ​ 5,268 ​ ​ — ​ ​ 9,817 Weighted average common shares outstanding, as adjusted ​ 6,819,748 ​ 7,145,288 ​ ​ 6,893,766 ​ ​ 7,166,632 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.34 ​ $ 0.37 ​ $ 1.29 ​ $ 1.95

Fair Value Measurements and D_2

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments (Tables)	9 Months Ended
	Jun. 30, 2023
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) June 30, 2023: ​ ​ ​ ​ Assets Measured – Recurring Basis: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ — ​ $ 28,469 ​ $ — ​ $ 28,469 Agency mortgage-backed ​ ​ — ​ ​ 26,319 ​ ​ — ​ ​ 26,319 Agency CMO ​ — ​ 13,176 ​ — ​ 13,176 Privately-issued CMO ​ — ​ 408 ​ — ​ 408 Privately-issued ABS ​ — ​ 469 ​ — ​ 469 SBA certificates ​ — ​ 11,245 ​ — ​ 11,245 Municipal bonds ​ — ​ 166,655 ​ — ​ 166,655 Other ​ ​ — ​ ​ 1,656 ​ ​ — ​ ​ 1,656 Total securities available for sale ​ $ — ​ $ 248,397 ​ $ — ​ $ 248,397 Residential mortgage loans held for sale ​ $ — ​ $ 50,066 ​ $ — ​ $ 50,066 Derivative assets (included in other assets) ​ $ — ​ $ 388 ​ $ 741 ​ $ 1,129 Equity securities (included in other assets) ​ $ 149 ​ $ — ​ $ — ​ $ 149 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 60,649 ​ $ 60,649 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 30 ​ $ 67 ​ $ 97 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis: ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ SBA commercial real estate ​ $ — ​ $ — ​ $ 2,435 ​ $ 2,435 Commercial business ​ — ​ — ​ 52 ​ 52 SBA commercial business ​ ​ — ​ ​ — ​ ​ 171 ​ ​ 171 Total collateral dependent loans ​ $ — ​ $ — ​ $ 2,658 ​ $ 2,658 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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: ​ ​ ​ ​ SBA commercial real estate ​ $ — ​ $ — ​ $ 2,574 ​ $ 2,574 Commercial business ​ — ​ — ​ 46 ​ 46 SBA commercial business ​ ​ — ​ ​ — ​ ​ 290 ​ ​ 290 Total collateral dependent 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)	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, (In thousands) ​ 2023 2022 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 1,348 ​ $ (2,923) ​ $ (238) ​ $ 1,567 Unrealized gains (losses) recognized in earnings, net of settlements ​ (674) ​ 3,526 ​ ​ 912 ​ ​ (964) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 674 ​ $ 603 ​ $ 674 ​ $ 603
Schedule of significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ Range of Inputs ​ ​ Significant ​ (Weighted Average) ​ (Weighted Average) ​ Unobservable June 30, September 30, Financial Instrument ​ Inputs ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 39% - 95% (72%) 50% - 100% (78%) ​ ​ Direct costs to close 0.00% - 0.00% - 4.00% (0.70%)
Schedule of aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ June 30, ​ June 30, ​ ​ ​ (In thousands) 2023 ​ 2023 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 50,066 ​ $ 49,177 ​ $ 889 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, (In thousands) ​ 2023 2022 ​ ​ 2023 ​ ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ (234) ​ $ 804 ​ $ 716 ​ $ (117) Interest income ​ 704 ​ 1,127 ​ ​ 1,521 ​ ​ 3,080 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 470 ​ $ 1,931 ​ $ 2,237 ​ $ 2,963
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) June 30, 2023: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 23,722 ​ $ 23,722 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 18,753 ​ 18,753 ​ — ​ — Interest-bearing time deposits ​ 980 ​ — ​ 980 ​ — Securities available for sale ​ 248,397 ​ — ​ 248,397 ​ — Securities held to maturity ​ 1,391 ​ — ​ 1,411 ​ — Residential mortgage loans held for sale ​ 50,066 ​ ​ — ​ ​ 50,066 ​ — SBA loans held for sale ​ ​ 13,076 ​ ​ — ​ ​ — ​ ​ 14,191 Loans, net ​ 1,691,289 ​ — ​ — ​ 1,594,706 FRB and FHLB stock ​ 24,939 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 10,461 ​ — ​ 10,461 ​ — Residential mortgage loan servicing rights ​ ​ 60,649 ​ ​ — ​ ​ — ​ ​ 60,649 Nonresidential mortgage loan servicing rights ​ ​ 116 ​ ​ — ​ ​ — ​ ​ 116 SBA loan servicing rights ​ 3,374 ​ — ​ — ​ 3,537 Derivative assets (included in other assets) ​ 1,129 ​ — ​ 388 ​ 741 Equity securities (included in other assets) ​ ​ 149 ​ ​ 149 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ 315,602 ​ 315,602 ​ — ​ — Interest-bearing deposits ​ ​ 1,344,163 ​ ​ — ​ ​ — ​ ​ 1,339,449 Borrowings from FHLB ​ 345,000 ​ — ​ 337,656 ​ — Subordinated notes ​ 48,387 ​ — ​ 47,139 ​ — Accrued interest payable ​ 5,782 ​ — ​ 5,782 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 907 ​ ​ — ​ ​ 907 ​ ​ — Derivative liabilities (included in other liabilities) ​ 97 ​ — ​ 30 ​ 67 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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: ​ ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ 340,172 ​ 340,172 ​ — ​ — Interest-bearing deposits ​ ​ 1,175,662 ​ ​ — ​ ​ — ​ ​ 1,170,620 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
Impaired loans
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	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ ​ ​ Significant ​ (Weighted Average) ​ Range of Inputs (Weighted ​ ​ Unobservable ​ June 30, ​ Average) September 30, Financial Instrument ​ Inputs ​ 2023 ​ 2022 Impaired loans Discount from appraised value 0.0% - 50.0% (14.7%) 0.0% - 80.0% (16.4%) ​ Estimated costs to sell 0.0% - 6.0% (5.9%) 0.0% - 10.0% (5.9%)
SBA loan servicing rights
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	​ ​ ​ ​ ​ ​ ​ Significant Range of Inputs (Weighted ​ ​ Unobservable ​ Average) September 30, Financial Instrument ​ Inputs 2022 SBA loan servicing rights Discount rate 6.90% - 25.00% (12.71%) ​ Prepayment speed 7.08% - 29.26% (15.27%)

Stock Based Compensation Plans

Stock Based Compensation Plans (Tables)	9 Months Ended
	Jun. 30, 2023
Stock Based Compensation Plans
Schedule of fair value of options granted	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended ​ ​ ​ June 30, ​ ​ ​ 2023 2022 ​ Expected dividend yield ​ 2.93 % ​ 2.32 % Risk-free interest rate ​ 3.94 % ​ 1.55 % Expected volatility ​ 27.7 % ​ 27.0 % Expected life of options ​ 6.8 years ​ ​ 7.1 years ​ Weighted average fair value at grant date ​ $ 5.71 ​ $ 7.03 ​
Schedule of stock option activity	A summary of stock option activity as of June 30, 2023, and changes during the nine-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 (6,000) ​ 26.72 ​ ​ ​ Outstanding at end of period 411,369 ​ $ 20.79 6.5 ​ $ — Vested and expected to vest 411,369 ​ $ 20.79 6.5 ​ $ — Exercisable at end of period 226,710 ​ $ 17.84 4.9 ​ $ —
Schedule of nonvested restricted shares activity	​ ​ ​ ​ ​ ​ ​ ​ ​ 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 (2,000) ​ $ 26.72 Nonvested at June 30, 2023 54,916 ​ $ 24.73

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	9 Months Ended
	Jun. 30, 2023
Derivative Financial Instruments
Schedule of derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Notional Asset Liability ​ ​ Amount ​ Derivatives ​ Derivatives (In thousands) ​ June 30, 2023 ​ June 30, 2023 ​ June 30, 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 111,653 ​ $ 741 ​ $ 67 Forward mortgage loan sale contracts ​ 104,000 ​ 388 ​ 30 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 215,653 ​ $ 1,129 ​ $ 97 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ Nine Months Ended ​ ​ June 30, ​ June 30, (In thousands) 2023 2022 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ (674) ​ $ 3,526 ​ $ 912 ​ $ (964) Forward mortgage loan sale contracts ​ 1,097 ​ 6,091 ​ ​ 121 ​ ​ 19,098 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 423 ​ $ 9,617 ​ $ 1,033 ​ $ 18,134

Regulatory Capital (Tables)

Regulatory Capital (Tables)	9 Months Ended
	Jun. 30, 2023
Regulatory Capital
Schedule of actual capital amounts and ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ For Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes: ​ Action Provisions: ​ Amount Ratio Amount Ratio Amount Ratio ​ ​ (Dollars in thousands) ​ As of June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 231,481 11.73 % $ 157,860 8.00 % ​ N/A N/A ​ Bank ​ 223,772 11.35 ​ 157,747 8.00 ​ $ 197,184 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 166,256 8.43 % $ 118,395 6.00 % N/A N/A ​ Bank ​ 206,934 10.49 ​ 118,311 6.00 ​ $ 157,747 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 166,256 8.43 % $ 88,796 4.50 % N/A N/A ​ Bank ​ 206,934 10.49 ​ 88,733 4.50 ​ $ 128,170 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 166,256 7.28 % $ 91,359 4.00 % N/A N/A ​ Bank ​ 206,934 9.06 ​ 91,386 4.00 ​ $ 114,232 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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)	9 Months Ended
	Jun. 30, 2023
Segment Reporting
Schedule of sum of the segment amounts and consolidated totals	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals Three Months Ended June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 13,407 ​ $ 1,098 ​ $ 360 ​ $ 14,865 Provision (credit) for loan losses ​ ​ 881 ​ ​ (440) ​ ​ — ​ ​ 441 Net interest income after provision ​ ​ 12,526 ​ ​ 1,538 ​ ​ 360 ​ ​ 14,424 Net gains on sales of loans, SBA ​ — ​ 497 ​ — ​ 497 Mortgage banking income ​ 16 ​ — ​ 4,652 ​ 4,668 Noninterest income ​ 1,965 ​ 580 ​ 4,651 ​ 7,196 Noninterest expense ​ 11,010 ​ 2,107 ​ 5,848 ​ 18,965 Income (loss) before taxes ​ 3,481 ​ 11 ​ (837) ​ 2,655 Income tax expense (benefit) ​ 561 ​ (21) ​ (209) ​ 331 Segment profit (loss) ​ 2,920 ​ 32 ​ (628) ​ 2,324 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 618 ​ ​ 5 ​ ​ 22 ​ ​ 645 Segment assets at June 30, 2023 ​ 2,058,442 ​ 84,394 ​ 117,585 ​ 2,260,421 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals Nine Months Ended June 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 42,047 ​ $ 3,186 ​ $ 805 ​ $ 46,038 Provision (credit) for loan losses ​ 2,003 ​ (206) ​ — ​ 1,797 Net interest income after provision ​ 40,044 ​ 3,392 ​ 805 ​ 44,241 Net gains on sales of loans, SBA ​ — ​ 2,179 ​ — ​ 2,179 Mortgage banking income ​ 8 ​ — ​ 11,305 ​ 11,313 Noninterest income ​ 5,626 ​ 2,970 ​ 11,304 ​ 19,900 Noninterest expense ​ 31,458 ​ 6,693 ​ 16,324 ​ 54,475 Income (loss) before taxes ​ 14,212 ​ (331) ​ (4,215) ​ 9,666 Income tax expense (benefit) ​ ​ 1,908 ​ ​ (108) ​ ​ (1,053) ​ ​ 747 Segment profit (loss) ​ ​ 12,304 ​ ​ (223) ​ ​ (3,162) ​ ​ 8,919 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 1,817 ​ ​ 16 ​ ​ 74 ​ ​ 1,907 Segment assets at June 30, 2023 ​ 2,058,442 ​ 84,394 ​ 117,585 ​ 2,260,421 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated ​ Banking Lending Banking Totals Three Months Ended June 30, 2022: ​ ​ ​ ​ Net interest income ​ $ 13,848 ​ $ 1,449 ​ $ 614 ​ $ 15,911 Provision (credit) for loan losses ​ 910 ​ (378) ​ — ​ 532 Net interest income after provision ​ 12,938 ​ 1,827 ​ 614 ​ 15,379 Net gains on sales of loans, SBA ​ — ​ 486 ​ — ​ 486 Mortgage banking income ​ — ​ — ​ 7,093 ​ 7,093 Noninterest income ​ 2,379 ​ 584 ​ 7,070 ​ 10,033 Noninterest expense ​ 10,187 ​ 2,341 ​ 10,307 ​ 22,835 Income (loss) before taxes ​ 5,130 ​ 70 ​ (2,623) ​ 2,577 Income tax expense (benefit) ​ 568 ​ 26 ​ (655) ​ (61) Segment profit (loss) ​ 4,562 ​ 44 ​ (1,968) ​ 2,638 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 568 ​ 7 ​ 39 ​ 614 Segment assets at June 30, 2022 ​ 1,733,453 ​ 103,448 ​ 169,765 ​ 2,006,666 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated ​ Banking Lending Banking Totals Nine Months Ended June 30, 2022: ​ ​ ​ ​ Net interest income ​ $ 37,190 ​ $ 4,926 ​ $ 1,711 ​ $ 43,827 Provision for loan losses ​ 526 ​ 502 ​ — ​ 1,028 Net interest income after provision ​ 36,664 ​ 4,424 ​ 1,711 ​ 42,799 Net gains on sales of loans, SBA ​ — ​ 3,449 ​ — ​ 3,449 Mortgage banking income (loss) ​ (2) ​ — ​ 36,093 ​ 36,091 Noninterest income ​ 6,484 ​ 4,143 ​ 36,069 ​ 46,696 Noninterest expense ​ 29,480 ​ 6,830 ​ 36,838 ​ 73,148 Income before taxes ​ 13,668 ​ 1,737 ​ 942 ​ 16,347 Income tax expense ​ 1,398 ​ 531 ​ 440 ​ 2,369 Segment profit ​ 12,270 ​ 1,206 ​ 502 ​ 13,978 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 1,698 ​ 23 ​ 129 ​ 1,850 Segment assets at June 30, 2022 ​ 1,733,453 ​ 103,448 ​ 169,765 ​ 2,006,666

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
	Jun. 30, 2023
Revenue from Contracts with Customers
Schedule of sources of noninterest income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Nine Months Ended ​ ​ June 30, ​ June 30, ​ 2023 2022 ​ 2023 ​ 2022 ​ ​ (In thousand) In Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 509 ​ $ 462 ​ $ 1,538 ​ $ 1,329 ATM and interchange fees ​ 615 ​ 774 ​ ​ 1,940 ​ ​ 2,047 Investment advisory income ​ ​ 247 ​ ​ 177 ​ ​ 564 ​ ​ 522 Other ​ 27 ​ 26 ​ ​ 87 ​ ​ 84 Revenue from contracts with customers ​ 1,398 ​ 1,439 ​ ​ 4,129 ​ ​ 3,982 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Out of Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gain (loss) on securities ​ ​ (529) ​ ​ 465 ​ ​ (494) ​ ​ 465 Gain on sale of SBA loans ​ 497 ​ 486 ​ ​ 2,179 ​ ​ 3,449 Gain on sale of single tenant net lease loans ​ ​ — ​ ​ — ​ ​ — ​ ​ 719 Mortgage banking income ​ 4,668 ​ 7,093 ​ ​ 11,313 ​ ​ 36,091 Increase in cash value of life insurance ​ 279 ​ 277 ​ ​ 770 ​ ​ 782 Real estate lease income ​ 119 ​ 155 ​ ​ 353 ​ ​ 451 Loan servicing and other income ​ ​ 764 ​ ​ 118 ​ ​ 1,650 ​ ​ 757 Other noninterest income ​ 5,798 ​ 8,594 ​ ​ 15,771 ​ ​ 42,714 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 7,196 ​ $ 10,033 ​ $ 19,900 ​ $ 46,696

Mortgage Banking Income (Tables

Mortgage Banking Income (Tables)	9 Months Ended
	Jun. 30, 2023
Mortgage Banking Income
Schedule of components of mortgage banking income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Nine Months Ended ​ ​ June 30, June 30, ​ 2023 2022 2023 2022 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ 2,599 ​ $ (6,768) ​ $ 5,216 ​ $ (2,231) Mortgage brokerage income ​ 74 ​ 175 ​ ​ 284 ​ ​ 713 Net change in fair value of loans held for sale and interest rate lock commitments ​ (908) ​ 4,330 ​ ​ 1,627 ​ ​ (3,098) Realized and unrealized gains from Forward sales commitments ​ 1,097 ​ 6,091 ​ ​ 121 ​ ​ 19,098 Capitalized residential mortgage loan servicing rights ​ 764 ​ 2,731 ​ ​ 1,202 ​ ​ 10,581 Net change in fair value of residential mortgage loan servicing rights ​ (1,309) ​ (1,552) ​ ​ (3,816) ​ ​ 4,679 Provisions for loan repurchases and indemnifications ​ (70) ​ ​ (154) ​ ​ (559) ​ ​ (246) Net loan servicing income ​ 2,421 ​ ​ 2,240 ​ ​ 7,238 ​ ​ 6,595 Total mortgage banking income ​ $ 4,668 ​ $ 7,093 ​ $ 11,313 ​ $ 36,091 (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)	9 Months Ended
	Jun. 30, 2023 USD ($)
Presentation of Interim Information
Minimum estimated value of property	$ 250,000
Minimum
Presentation of Interim Information
Lookback period	24 months
Maximum
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	Jun. 30, 2023	Sep. 30, 2022
Securities available for sale:
Amortized Cost	$ 270,650	$ 350,794
Gross Unrealized Gain	311	191
Gross Unrealized Losses	22,564	34,468
Fair Value	248,397	316,517
Securities held to maturity:
Amortized Cost	1,391	1,558
Gross Unrealized Gain	21	35
Gross Unrealized Losses	1
Fair Value	1,411	1,593
U.S. Treasury bills and notes
Securities available for sale:
Amortized Cost	31,798	30,809
Gross Unrealized Losses	3,329	3,514
Fair Value	28,469	27,295
Agency mortgage-backed
Securities available for sale:
Amortized Cost	29,235	30,786
Gross Unrealized Gain	1	3
Gross Unrealized Losses	2,917	3,289
Fair Value	26,319	27,500
Securities held to maturity:
Amortized Cost	37	45
Gross Unrealized Losses	1
Fair Value	36	45
Agency CMO
Securities available for sale:
Amortized Cost	14,206	15,562
Gross Unrealized Losses	1,030	741
Fair Value	13,176	14,821
Privately-issued CMO
Securities available for sale:
Amortized Cost	432	495
Gross Unrealized Gain	3	4
Gross Unrealized Losses	27	29
Fair Value	408	470
Privately-issued ABS
Securities available for sale:
Amortized Cost	458	561
Gross Unrealized Gain	14	16
Gross Unrealized Losses	3	8
Fair Value	469	569
SBA certificates
Securities available for sale:
Amortized Cost	11,707	12,255
Gross Unrealized Gain		1
Gross Unrealized Losses	462	244
Fair Value	11,245	12,012
Municipal bonds
Securities available for sale:
Amortized Cost	180,814	260,326
Gross Unrealized Gain	293	167
Gross Unrealized Losses	14,452	26,643
Fair Value	166,655	233,850
Securities held to maturity:
Amortized Cost	1,354	1,513
Gross Unrealized Gain	21	35
Fair Value	1,375	$ 1,548
Other
Securities available for sale:
Amortized Cost	2,000
Gross Unrealized Losses	344
Fair Value	$ 1,656

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	Jun. 30, 2023	Sep. 30, 2022
Available for Sale - Amortized Cost
Amortized Cost	$ 270,650	$ 350,794
Available for Sale - Fair Value
Fair Value	248,397	316,517
Municipal bonds
Available for Sale - Amortized Cost
Due within one year	4,570
Due after one year through five years	9,576
Due after five years through ten years	48,048
Due after ten years	152,418
Amortized Cost	180,814	260,326
Available for Sale - Fair Value
Due within one year	4,538
Due after one year through five years	9,466
Due after five years through ten years	43,969
Due after ten years	138,807
Fair Value	166,655	233,850
CMO
Available for Sale - Amortized Cost
Amortized Cost	14,638
Available for Sale - Fair Value
Fair Value	13,584
ABS
Available for Sale - Amortized Cost
Amortized Cost	458
Available for Sale - Fair Value
Fair Value	469
SBA certificates
Available for Sale - Amortized Cost
Amortized Cost	11,707
Amortized Cost	11,707	12,255
Available for Sale - Fair Value
Fair Value	11,245
Fair Value	11,245	$ 12,012
Mortgage-backed securities
Available for Sale - Amortized Cost
Amortized Cost	29,235
Available for Sale - Fair Value
Fair Value	$ 26,319

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	Jun. 30, 2023	Sep. 30, 2022
Held to Maturity - Amortized Cost
Amortized Cost	$ 1,391
Held to Maturity - Fair Value
Fair Value	1,411	$ 1,593
Municipal bonds
Held to Maturity - Amortized Cost
Due within one year	251
Due after one year through five years	694
Due after five years through ten years	409
Held to Maturity - Fair Value
Due within one year	253
Due after one year through five years	704
Due after five years through ten years	418
Fair Value	1,375	$ 1,548
Mortgage-backed securities
Held to Maturity - Amortized Cost
Without single maturity date	37
Held to Maturity - Fair Value
Without single maturity date	$ 36

Investment Securities - Investm

Investment Securities - Investment securities with gross unrealized losses (Details) $ in Thousands	Jun. 30, 2023 USD ($) position	Sep. 30, 2022 USD ($) position
Fair Value
Continuous loss position less than twelve months	$ 62,570	$ 265,379
Continuous loss position more than twelve months	150,631	11,135
Total securities available for sale	$ 213,201	$ 276,514
Number of Investment Positions
Continuous loss position less than twelve months | position	50	295
Continuous loss position more than twelve months | position	135	14
Total securities available for sale | position	185	309
Continuous loss position more than twelve months, held to maturity | position	1
Total debt securities held to maturity | position	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 2,266	$ 31,981
Continuous loss position more than twelve months	20,298	2,487
Total securities available for sale	22,564	34,468
Fair Value
Continuous loss position more than twelve months, held to maturity	19
Total debt securities held to maturity	19
Gross Unrealized Losses
Continuous loss position more than twelve months, held to maturity	1
Total debt securities held to maturity	1
U.S. Treasury bills and notes
Fair Value
Continuous loss position less than twelve months	879	$ 27,295
Continuous loss position more than twelve months	$ 27,590
Number of Investment Positions
Continuous loss position less than twelve months | position	3	7
Continuous loss position more than twelve months | position	7
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 5	$ 3,514
Continuous loss position more than twelve months	3,324
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months	4,999	24,987
Continuous loss position more than twelve months	$ 21,007	$ 2,169
Number of Investment Positions
Continuous loss position less than twelve months | position	6	14
Continuous loss position more than twelve months | position	10	1
Continuous loss position more than twelve months, held to maturity | position	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 186	$ 2,749
Continuous loss position more than twelve months	2,731	540
Fair Value
Continuous loss position more than twelve months, held to maturity	19
Gross Unrealized Losses
Continuous loss position more than twelve months, held to maturity	1
Agency CMO
Fair Value
Continuous loss position less than twelve months	5,328	8,896
Continuous loss position more than twelve months	$ 7,848	$ 1,199
Number of Investment Positions
Continuous loss position less than twelve months | position	2	12
Continuous loss position more than twelve months | position	13	2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 320	$ 551
Continuous loss position more than twelve months	710	190
Privately-issued CMO
Fair Value
Continuous loss position less than twelve months		424
Continuous loss position more than twelve months	$ 387	$ 19
Number of Investment Positions
Continuous loss position less than twelve months | position		2
Continuous loss position more than twelve months | position	2	1
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 20
Continuous loss position more than twelve months	$ 27	9
Privately-issued ABS
Fair Value
Continuous loss position more than twelve months	$ 226	$ 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	$ 3	$ 8
SBA certificates
Fair Value
Continuous loss position less than twelve months	10,339	10,775
Continuous loss position more than twelve months	$ 896	$ 1,202
Number of Investment Positions
Continuous loss position less than twelve months | position	2	1
Continuous loss position more than twelve months | position	1	2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 445	$ 225
Continuous loss position more than twelve months	17	19
Municipal bonds
Fair Value
Continuous loss position less than twelve months	39,369	193,002
Continuous loss position more than twelve months	$ 92,677	$ 6,263
Number of Investment Positions
Continuous loss position less than twelve months | position	36	259
Continuous loss position more than twelve months | position	101	7
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 966	$ 24,922
Continuous loss position more than twelve months	13,486	$ 1,721
Other
Fair Value
Continuous loss position less than twelve months	$ 1,656
Number of Investment Positions
Continuous loss position less than twelve months | position	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 344

Investment Securities - Additio

Investment Securities - Additional Information (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Jun. 30, 2023 USD ($) position	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) position shares	Jun. 30, 2022 USD ($)	Sep. 30, 2022 USD ($) position
Investment Securities
Unrealized loss					$ 0
privately issued collateralized mortgage obligations ABS securities | shares			4
Continuous loss position more than twelve months | position	135		135		14
Gross realized gains	$ 341,000	$ (489,000)
Gross realized losses			$ 881,000	$ 13,000
Available for sale debt securities with total fair value, pledged to secure FHLB borrowings	56,200,000		$ 56,200,000		$ 58,600,000
Debt securities
Investment Securities
Available for sale debt securities in loss position, depreciation percentage			90.40%		88.90%
Debt securities | Downgraded Due To Potential Credit Losses
Investment Securities
Carrying value of downgraded due to potential credit losses	303,000		$ 303,000
Debt securities | Downgraded Privately Issued Cmos
Investment Securities
Fair market value of downgraded privately issued collateralized mortgage obligations	$ 305,000		$ 305,000
Two privately issued collateralized mortgage obligations
Investment Securities
Available for sale debt securities in loss position, depreciation percentage			4.67%
Privately-issued CMO
Investment Securities
Continuous loss position more than twelve months | position	2		2		1
Investments, fair value disclosure	$ 613,000		$ 613,000
Total unrealized loss			30,000
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	2		2
Privately-issued ABS
Investment Securities
Continuous loss position more than twelve months | position	1		1		1

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Deferred loan origination fees and costs, net	$ 1,012	$ 1,052
Discounts on SBA loans	(3,700)	(4,300)
Allowance for loan losses	(16,838)	(15,360)
Loans, net	1,691,289	1,474,544
Real estate mortgage [Member]
Loans and Allowance for Loan Losses
Total loans	1,707,115	1,488,852
Real estate mortgage [Member] | Residential
Loans and Allowance for Loan Losses
Total loans	487,450	368,211
Real estate mortgage [Member] | Commercial
Loans and Allowance for Loan Losses
Total loans	187,005	169,861
Real estate mortgage [Member] | Single tenant net lease
Loans and Allowance for Loan Losses
Total loans	740,967	674,567
Real estate mortgage [Member] | SBA commercial
Loans and Allowance for Loan Losses
Total loans	49,661	59,379
Real estate mortgage [Member] | Multifamily
Loans and Allowance for Loan Losses
Total loans	35,260	32,411
Real estate mortgage [Member] | Residential Construction
Loans and Allowance for Loan Losses
Total loans	18,758	18,261
Real estate mortgage [Member] | Commercial construction
Loans and Allowance for Loan Losses
Total loans	10,656	5,938
Real estate mortgage [Member] | Land and land development
Loans and Allowance for Loan Losses
Total loans	11,332	11,880
Real estate mortgage [Member] | Commercial business
Loans and Allowance for Loan Losses
Total loans	108,375	90,010
Real estate mortgage [Member] | SBA commercial business
Loans and Allowance for Loan Losses
Total loans	18,008	20,282
Real estate mortgage [Member] | Consumer
Loans and Allowance for Loan Losses
Total loans	$ 39,643	$ 38,052

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses - Components of recorded investment (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
Recorded Investment in Loans:
Net deferred loan origination fees and costs	$ 1,012	$ 1,052
Carrying value of loan	1,707,115	1,488,852
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	14,080	13,401
Collectively Evaluated for Impairment	1,693,035	1,475,451
Carrying value of loan	1,707,115	1,488,852
Residential real estate
Recorded Investment in Loans:
Carrying value of loan	487,450	368,211
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	3,010	2,244
Collectively Evaluated for Impairment	484,440	365,967
Carrying value of loan	487,450	368,211
Commercial real estate
Recorded Investment in Loans:
Carrying value of loan	187,005	169,861
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	889	908
Collectively Evaluated for Impairment	186,116	168,953
Carrying value of loan	187,005	169,861
Single tenant net lease
Recorded Investment in Loans:
Carrying value of loan	740,967	674,567
Recorded Investment in Loans as Evaluated for Impairment:
Collectively Evaluated for Impairment	740,967	674,567
Carrying value of loan	740,967	674,567
SBA commercial real estate
Recorded Investment in Loans:
Carrying value of loan	49,661	59,379
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	7,728	7,582
Collectively Evaluated for Impairment	41,933	51,797
Carrying value of loan	49,661	59,379
Multifamily
Recorded Investment in Loans:
Carrying value of loan	35,260	32,411
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	327	354
Collectively Evaluated for Impairment	34,933	32,057
Carrying value of loan	35,260	32,411
Residential construction
Recorded Investment in Loans:
Carrying value of loan	18,758	18,261
Recorded Investment in Loans as Evaluated for Impairment:
Collectively Evaluated for Impairment	18,758	18,261
Carrying value of loan	18,758	18,261
Commercial construction
Recorded Investment in Loans:
Carrying value of loan	10,656	5,938
Recorded Investment in Loans as Evaluated for Impairment:
Collectively Evaluated for Impairment	10,656	5,938
Carrying value of loan	10,656	5,938
Land and land development
Recorded Investment in Loans:
Carrying value of loan	11,332	11,880
Recorded Investment in Loans as Evaluated for Impairment:
Collectively Evaluated for Impairment	11,332	11,880
Carrying value of loan	11,332	11,880
Commercial business
Recorded Investment in Loans:
Carrying value of loan	108,375	90,010
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	728	998
Collectively Evaluated for Impairment	107,647	89,012
Carrying value of loan	108,375	90,010
SBA commercial business
Recorded Investment in Loans:
Carrying value of loan	18,008	20,282
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	1,173	1,077
Collectively Evaluated for Impairment	16,835	19,205
Carrying value of loan	18,008	20,282
Consumer
Recorded Investment in Loans:
Carrying value of loan	39,643	38,052
Recorded Investment in Loans as Evaluated for Impairment:
Individually Evaluated for Impairment	225	238
Collectively Evaluated for Impairment	39,418	37,814
Carrying value of loan	$ 39,643	$ 38,052

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses - Allowance for loan losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Sep. 30, 2022
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment	$ 996		$ 996		$ 964
Collectively Evaluated for Impairment	15,842		15,842		14,396
Ending balance	16,838	$ 14,980	16,838	$ 14,980
Changes in Allowance for Loan Losses:
Beginning balance	16,458	14,475	15,360	14,301
Provisions (Credits)	441	532	1,797	1,028
Charge-offs	(93)	(109)	(481)	(545)
Recoveries	32	82	162	196
Ending balance	16,838	14,980	16,838	14,980
Residential real estate
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment	37		37
Collectively Evaluated for Impairment	4,095		4,095		2,716
Ending balance	4,132	2,441	4,132	2,441
Changes in Allowance for Loan Losses:
Beginning balance	3,537	1,345	2,716	1,438
Provisions (Credits)	603	1,091	1,409	1,015
Charge-offs	(8)		(8)	(23)
Recoveries		5	15	11
Ending balance	4,132	2,441	4,132	2,441
Commercial real estate
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment	1,783		1,783		1,590
Ending balance	1,783	1,535	1,783	1,535
Changes in Allowance for Loan Losses:
Beginning balance	1,783	2,451	1,590	2,806
Provisions (Credits)		(916)	193	(1,271)
Ending balance	1,783	1,535	1,783	1,535
Single tenant net lease
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment	3,723		3,723		3,838
Ending balance	3,723	3,563	3,723	3,563
Changes in Allowance for Loan Losses:
Beginning balance	3,726	2,619	3,838	2,422
Provisions (Credits)	(3)	944	(115)	1,141
Ending balance	3,723	3,563	3,723	3,563
SBA commercial real estate
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment	192		192		290
Collectively Evaluated for Impairment	2,116		2,116		2,288
Ending balance	2,308	2,832	2,308	2,832
Changes in Allowance for Loan Losses:
Beginning balance	2,607	3,633	2,578	3,475
Provisions (Credits)	(263)	(745)	(157)	(548)
Charge-offs	(39)	(71)	(116)	(110)
Recoveries	3	15	3	15
Ending balance	2,308	2,832	2,308	2,832
Multifamily
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment	265		265		251
Ending balance	265	263	265	263
Changes in Allowance for Loan Losses:
Beginning balance	326	353	251	518
Provisions (Credits)	(61)	(90)	14	(255)
Ending balance	265	263	265	263
Residential construction
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment	327		327		305
Ending balance	327	288	327	288
Changes in Allowance for Loan Losses:
Beginning balance	246	233	305	191
Provisions (Credits)	81	55	22	97
Ending balance	327	288	327	288
Commercial construction
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment	206		206		107
Ending balance	206	88	206	88
Changes in Allowance for Loan Losses:
Beginning balance	83	67	107	63
Provisions (Credits)	123	21	99	25
Ending balance	206	88	206	88
Land and land development
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment	201		201		212
Ending balance	201	161	201	161
Changes in Allowance for Loan Losses:
Beginning balance	198	243	212	235
Provisions (Credits)	3	(82)	(11)	(74)
Ending balance	201	161	201	161
Commercial business
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment	21		21
Collectively Evaluated for Impairment	1,472		1,472		1,193
Ending balance	1,493	1,240	1,493	1,240
Changes in Allowance for Loan Losses:
Beginning balance	1,322	1,303	1,193	1,284
Provisions (Credits)	162	(93)	231	(133)
Recoveries	9	30	69	89
Ending balance	1,493	1,240	1,493	1,240
SBA commercial business
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment	577		577		674
Collectively Evaluated for Impairment	1,345		1,345		1,448
Ending balance	1,922	2,171	1,922	2,171
Changes in Allowance for Loan Losses:
Beginning balance	2,088	1,775	2,122	1,346
Provisions (Credits)	(177)	377	(49)	1,059
Charge-offs		(1)	(190)	(285)
Recoveries	11	20	39	51
Ending balance	1,922	2,171	1,922	2,171
Consumer
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment	169		169
Collectively Evaluated for Impairment	309		309		$ 448
Ending balance	478	398	478	398
Changes in Allowance for Loan Losses:
Beginning balance	542	453	448	523
Provisions (Credits)	(27)	(30)	161	(28)
Charge-offs	(46)	(37)	(167)	(127)
Recoveries	9	12	36	30
Ending balance	$ 478	$ 398	$ 478	$ 398

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Sep. 30, 2022
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	$ 11,546		$ 11,546		$ 10,031
Loans with no related allowance recorded, Unpaid Principal Balance	14,358		14,358		11,658
Loans with no related allowance recorded, Average Recorded Investment	15,016	$ 12,737	14,611	$ 13,945
Loans with no related allowance recorded, Interest Income Recognized	39	35	116	89
Loans with an allowance recorded, Recorded Investment	2,534		2,534		3,370
Loans with an allowance recorded, Unpaid Principal Balance	2,781		2,781		4,413
Loans with an allowance recorded, Related Allowance	996		996		964
Loans with an allowance recorded, Average Recorded Investment	2,920	2,379	3,051	2,007
Total, Recorded Investment	14,080		14,080		13,401
Total, Unpaid Principal Balance	17,139		17,139		16,071
Total, Related Allowance	996		996		964
Total, Average Recorded Investment	17,936	15,116	17,662	15,952
Total, Interest Income Recognized	39	35	116	89
Residential real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	2,488		2,488		2,244
Loans with no related allowance recorded, Unpaid Principal Balance	2,737		2,737		2,524
Loans with no related allowance recorded, Average Recorded Investment	3,306	3,129	3,070	3,286
Loans with no related allowance recorded, Interest Income Recognized	16	15	46	44
Loans with an allowance recorded, Recorded Investment	522		522
Loans with an allowance recorded, Unpaid Principal Balance	500		500
Loans with an allowance recorded, Related Allowance	37		37
Loans with an allowance recorded, Average Recorded Investment	250	261	125	257
Total, Recorded Investment	3,010		3,010		2,244
Total, Unpaid Principal Balance	3,237		3,237		2,524
Total, Related Allowance	37		37
Total, Average Recorded Investment	3,556	3,390	3,195	3,543
Total, Interest Income Recognized	16	15	46	44
Commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	889		889		908
Loans with no related allowance recorded, Unpaid Principal Balance	959		959		982
Loans with no related allowance recorded, Average Recorded Investment	969	1,024	970	1,052
Loans with no related allowance recorded, Interest Income Recognized	8	7	21	21
Total, Recorded Investment	889		889		908
Total, Unpaid Principal Balance	959		959		982
Total, Average Recorded Investment	969	1,024	970	1,052
Total, Interest Income Recognized	8	7	21	21
SBA commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	6,783		6,783		5,213
Loans with no related allowance recorded, Unpaid Principal Balance	8,407		8,407		5,952
Loans with no related allowance recorded, Average Recorded Investment	8,427	6,441	8,189	7,271
Loans with an allowance recorded, Recorded Investment	945		945		2,369
Loans with an allowance recorded, Unpaid Principal Balance	945		945		2,919
Loans with an allowance recorded, Related Allowance	192		192		290
Loans with an allowance recorded, Average Recorded Investment	1,201	1,510	1,433	1,267
Total, Recorded Investment	7,728		7,728		7,582
Total, Unpaid Principal Balance	9,352		9,352		8,871
Total, Related Allowance	192		192		290
Total, Average Recorded Investment	9,628	7,951	9,622	8,538
Multifamily
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	327		327		354
Loans with no related allowance recorded, Unpaid Principal Balance	371		371		398
Loans with no related allowance recorded, Average Recorded Investment	375	411	384	419
Loans with no related allowance recorded, Interest Income Recognized	4	3	14	5
Total, Recorded Investment	327		327		354
Total, Unpaid Principal Balance	371		371		398
Total, Average Recorded Investment	375	411	384	419
Total, Interest Income Recognized	4	3	14	5
Commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	676		676		998
Loans with no related allowance recorded, Unpaid Principal Balance	777		777		1,189
Loans with no related allowance recorded, Average Recorded Investment	815	1,188	947	1,350
Loans with no related allowance recorded, Interest Income Recognized	11	10	35	18
Loans with an allowance recorded, Recorded Investment	52		52
Loans with an allowance recorded, Unpaid Principal Balance	135		135
Loans with an allowance recorded, Related Allowance	21		21
Loans with an allowance recorded, Average Recorded Investment	135		101
Total, Recorded Investment	728		728		998
Total, Unpaid Principal Balance	912		912		1,189
Total, Related Allowance	21		21
Total, Average Recorded Investment	950	1,188	1,048	1,350
Total, Interest Income Recognized	11	10	35	18
SBA commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	327		327		221
Loans with no related allowance recorded, Unpaid Principal Balance	1,070		1,070		532
Loans with no related allowance recorded, Average Recorded Investment	1,070	444	986	473
Loans with an allowance recorded, Recorded Investment	846		846		856
Loans with an allowance recorded, Unpaid Principal Balance	1,032		1,032		1,349
Loans with an allowance recorded, Related Allowance	577		577		674
Loans with an allowance recorded, Average Recorded Investment	1,138	454	1,202	337
Total, Recorded Investment	1,173		1,173		1,077
Total, Unpaid Principal Balance	2,102		2,102		1,881
Total, Related Allowance	577		577		674
Total, Average Recorded Investment	2,208	898	2,188	810
Consumer
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	56		56		93
Loans with no related allowance recorded, Unpaid Principal Balance	37		37		81
Loans with no related allowance recorded, Average Recorded Investment	54	100	65	94
Loans with no related allowance recorded, Interest Income Recognized				1
Loans with an allowance recorded, Recorded Investment	169		169		145
Loans with an allowance recorded, Unpaid Principal Balance	169		169		145
Loans with an allowance recorded, Related Allowance	169		169
Loans with an allowance recorded, Average Recorded Investment	196	154	190	146
Total, Recorded Investment	225		225		238
Total, Unpaid Principal Balance	206		206		$ 226
Total, Related Allowance	169		169
Total, Average Recorded Investment	$ 250	$ 254	$ 255	240
Total, Interest Income Recognized				$ 1

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses - Nonperforming loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Nonaccrual Loans	$ 11,707	$ 10,702
Total Nonperforming Loans	11,707	10,702
Residential real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,995	1,214
Total Nonperforming Loans	1,995	1,214
Commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	524	518
Total Nonperforming Loans	524	518
SBA commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	7,728	7,582
Total Nonperforming Loans	7,728	7,582
Commercial business
Loans and Allowance for Loan Losses
Nonaccrual Loans	62	73
Total Nonperforming Loans	62	73
SBA commercial business
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,173	1,077
Total Nonperforming Loans	1,173	1,077
Consumer
Loans and Allowance for Loan Losses
Nonaccrual Loans	225	238
Total Nonperforming Loans	$ 225	$ 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	Jun. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Financing receivable recorded investment	$ 1,699,067	$ 1,482,919
Recorded investment in loans	1,707,115	1,488,852
30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,460	1,483
60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	382	53
90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	6,206	4,397
Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	8,048	5,933
Residential real estate
Loans and Allowance for Loan Losses
Financing receivable recorded investment	485,290	366,790
Recorded investment in loans	487,450	368,211
Residential real estate | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	620	1,164
Residential real estate | 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	118	53
Residential real estate | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,422	204
Residential real estate | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	2,160	1,421
Commercial real estate
Loans and Allowance for Loan Losses
Financing receivable recorded investment	186,942	169,343
Recorded investment in loans	187,005	169,861
Commercial real estate | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	63
Commercial real estate | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment		518
Commercial real estate | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	63	518
Single tenant net lease
Loans and Allowance for Loan Losses
Financing receivable recorded investment	740,967	674,567
Recorded investment in loans	740,967	674,567
SBA commercial real estate
Loans and Allowance for Loan Losses
Financing receivable recorded investment	44,947	56,073
Recorded investment in loans	49,661	59,379
SBA commercial real estate | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	651
SBA commercial real estate | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	4,063	3,306
SBA commercial real estate | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	4,714	3,306
Multifamily
Loans and Allowance for Loan Losses
Financing receivable recorded investment	35,260	32,411
Recorded investment in loans	35,260	32,411
Residential construction
Loans and Allowance for Loan Losses
Financing receivable recorded investment	18,758	18,261
Recorded investment in loans	18,758	18,261
Commercial construction
Loans and Allowance for Loan Losses
Financing receivable recorded investment	10,656	5,938
Recorded investment in loans	10,656	5,938
Land and land development
Loans and Allowance for Loan Losses
Financing receivable recorded investment	11,332	11,880
Recorded investment in loans	11,332	11,880
Commercial business
Loans and Allowance for Loan Losses
Financing receivable recorded investment	108,082	89,937
Recorded investment in loans	108,375	90,010
Commercial business | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	40
Commercial business | 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	201
Commercial business | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	52	73
Commercial business | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	293	73
SBA commercial business
Loans and Allowance for Loan Losses
Financing receivable recorded investment	17,338	19,818
Recorded investment in loans	18,008	20,282
SBA commercial business | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment		226
SBA commercial business | 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	56
SBA commercial business | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	614	238
SBA commercial business | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	670	464
Consumer
Loans and Allowance for Loan Losses
Financing receivable recorded investment	39,495	37,901
Recorded investment in loans	39,643	38,052
Consumer | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	86	93
Consumer | 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	7
Consumer | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	55	58
Consumer | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	$ 148	$ 151

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses - Recorded investment in loans by risk category (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Recorded investment in loans	$ 1,707,115	$ 1,488,852
Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	1,692,592	1,473,313
Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans		1,626
Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	12,721	12,036
Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	1,799	1,877
Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	3
Residential real estate
Loans and Allowance for Loan Losses
Recorded investment in loans	487,450	368,211
Residential real estate | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	485,173	366,542
Residential real estate | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	2,175	1,499
Residential real estate | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	99	170
Residential real estate | Loss [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	3
Commercial real estate
Loans and Allowance for Loan Losses
Recorded investment in loans	187,005	169,861
Commercial real estate | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	186,276	169,133
Commercial real estate | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	729	728
Single tenant net lease
Loans and Allowance for Loan Losses
Recorded investment in loans	740,967	674,567
Single tenant net lease | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	740,967	674,567
SBA commercial real estate
Loans and Allowance for Loan Losses
Recorded investment in loans	49,661	59,379
SBA commercial real estate | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	41,104	49,676
SBA commercial real estate | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans		1,102
SBA commercial real estate | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	6,897	6,935
SBA commercial real estate | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	1,660	1,666
Multifamily
Loans and Allowance for Loan Losses
Recorded investment in loans	35,260	32,411
Multifamily | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	35,260	32,411
Residential construction
Loans and Allowance for Loan Losses
Recorded investment in loans	18,758	18,261
Residential construction | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	18,758	18,261
Commercial construction
Loans and Allowance for Loan Losses
Recorded investment in loans	10,656	5,938
Commercial construction | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	10,656	5,938
Land and land development
Loans and Allowance for Loan Losses
Recorded investment in loans	11,332	11,880
Land and land development | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	11,332	11,880
Commercial business
Loans and Allowance for Loan Losses
Recorded investment in loans	108,375	90,010
Commercial business | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	108,310	89,675
Commercial business | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans		250
Commercial business | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	65	85
SBA commercial business
Loans and Allowance for Loan Losses
Recorded investment in loans	18,008	20,282
SBA commercial business | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	15,168	17,271
SBA commercial business | Special Mention [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans		274
SBA commercial business | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	2,800	2,696
SBA commercial business | Doubtful [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	40	41
Consumer
Loans and Allowance for Loan Losses
Recorded investment in loans	39,643	38,052
Consumer | Pass
Loans and Allowance for Loan Losses
Recorded investment in loans	39,588	37,959
Consumer | Substandard [Member]
Loans and Allowance for Loan Losses
Recorded investment in loans	$ 55	$ 93

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023 USD ($) item	Jun. 30, 2022 USD ($) item	Jun. 30, 2023 USD ($) item	Jun. 30, 2022 USD ($) item
Loans and Allowance for Loan Losses
Number of Loans | item	1	1	1	1
Pre-Modification Principal Balance	$ 31	$ 397	$ 31	$ 397
Post-Modification Principal Balance	$ 31	$ 397	$ 31	$ 397
Residential real estate
Loans and Allowance for Loan Losses
Number of Loans | item	1		1
Pre-Modification Principal Balance	$ 31		$ 31
Post-Modification Principal Balance	$ 31		$ 31
SBA commercial real estate
Loans and Allowance for Loan Losses
Number of Loans | item		1		1
Pre-Modification Principal Balance		$ 397		$ 397
Post-Modification Principal Balance		$ 397		$ 397

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses - Recorded investment in troubled debt restructurings by class of loan and accrual status (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Accruing	$ 2,373	$ 2,699
Nonaccrual	2,379	2,324
Total	4,752	5,023
Residential real estate
Loans and Allowance for Loan Losses
Accruing	1,015	1,030
Total	1,015	1,030
Commercial real estate
Loans and Allowance for Loan Losses
Accruing	365	390
Nonaccrual	524	432
Total	889	822
SBA commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual	1,625	1,627
Total	1,625	1,627
Multifamily
Loans and Allowance for Loan Losses
Accruing	327	354
Total	327	354
Commercial business
Loans and Allowance for Loan Losses
Accruing	666	925
Total	666	925
SBA commercial business
Loans and Allowance for Loan Losses
Nonaccrual	230	265
Total	$ 230	$ 265

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses - Changes in carrying value accounted for fair value of the loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Loans and Allowance for Loan Losses
Balance, beginning of period			$ 3,790
Balance, end of period	$ 3,374		3,374
Small Business Administration Loans
Loans and Allowance for Loan Losses
Balance, beginning of period	3,727	$ 4,447	3,790	$ 4,447
Servicing rights capitalized	147	112	606	772
Amortization	(170)	(219)	(560)	(771)
Direct write-offs	(330)	(103)	(641)	(217)
Change in valuation allowance		(187)	179	(181)
Balance, end of period	3,374	4,050	3,374	4,050
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Balance, beginning of period	61,194	63,660	63,263	49,579
Servicing rights capitalized	764	2,731	1,202	10,581
Loan repayments	(1,073)	(1,695)	(3,137)	(6,117)
Changes in valuation model inputs or assumptions	(236)	143	(679)	10,796
Balance, end of period	60,649	64,839	60,649	64,839
Nonresidential MSR
Loans and Allowance for Loan Losses
Servicing rights capitalized				160
Amortization	$ (8)	$ (10)	$ (25)	$ (10)

Loans and Allowance for Loan_13

Loans and Allowance for Loan Losses - Key assumptions used to estimate the fair value of the loans (Details) - Mortgage servicing rights	9 Months Ended	12 Months Ended
	Jun. 30, 2023	Sep. 30, 2022
Maximum
Loans and Allowance for Loan Losses
Discount rate	14.50%	14.50%
Prepayment rate	79.91%	74.89%
Minimum
Loans and Allowance for Loan Losses
Discount rate	9.50%	9.50%
Prepayment rate	5%	6.01%
Weighted Average
Loans and Allowance for Loan Losses
Discount rate	9.52%	9.51%
Prepayment rate	6.89%	6.63%

Loans and Allowance for Loan_14

Loans and Allowance for Loan Losses - Mortgage Servicing Rights at Fair Value (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Loans and Allowance for Loan Losses
Balance , beginning of period			$ 141
Changes in fair value related to:
Balance ,end of period	$ 116		116
Mortgage servicing rights
Loans and Allowance for Loan Losses
Servicing rights capitalized	764	$ 2,731	1,202	$ 10,581
Changes in fair value related to:
Changes in valuation allowance	(236)	143	(679)	10,796
Nonresidential MSR
Loans and Allowance for Loan Losses
Balance , beginning of period	124	160	141
Servicing rights capitalized				160
Changes in fair value related to:
Amortization	(8)	(10)	(25)	(10)
Balance ,end of period	$ 116	$ 150	$ 116	$ 150

Loans and Allowance for Loan_15

Loans and Allowance for Loan Losses - Additional Information (Details)	3 Months Ended		9 Months Ended
	Jun. 30, 2023 USD ($) item	Jun. 30, 2022 USD ($) item	Jun. 30, 2023 USD ($) item	Jun. 30, 2022 USD ($) item	Sep. 30, 2022 USD ($)
Loans and Allowance for Loan Losses
Mortgage loans in process of foreclosure amount	$ 75,000		$ 75,000		$ 204,000
Number of Loans | item	1	1	1	1
Loans and leases receivable impaired commitment to lend	$ 1,000		$ 1,000		1,000
Financing receivable allowance for credit losses, Write-downs	93,000	$ 109,000	481,000	$ 545,000
Provision for loan losses	441,000	532,000	1,797,000	1,028,000
Impaired financing receivable, Unpaid principal balance	17,139,000		17,139,000		16,071,000
Commercial real estate
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	$ 959,000		959,000		982,000
Residential real estate
Loans and Allowance for Loan Losses
Real estate properties owned			$ 30,000,000
Number of Loans | item	1		1
Financing receivable allowance for credit losses, Write-downs	$ 8,000		$ 8,000	23,000
Impaired financing receivable, Unpaid principal balance	3,237,000		3,237,000		2,524,000
Commercial business
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	912,000		912,000		1,189,000
SBA Lending
Loans and Allowance for Loan Losses
Servicing assets valuation allowance	0		0		179,000
SBA commercial
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	223,200,000	247,500,000	223,200,000	247,500,000	238,900,000
SBA commercial | Bank Servicing
Loans and Allowance for Loan Losses
Revenue from Contract with Customer	35,000	20,000	70,000	74,000
SBA commercial | SBA Lending
Loans and Allowance for Loan Losses
Net servicing income	578,000		1,700,000
Net servicing income		606,000		1,900,000
TDR
Loans and Allowance for Loan Losses
Loans and leases receivable allowance covered	101,000		101,000		161,000
Financing receivable allowance for credit losses, Write-downs	0	0	6,000	0
Mortgage servicing rights
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	4,750,000,000		4,750,000,000		4,880,000,000
Revenue from Contract with Customer	2,400,000	2,200,000	7,200,000	6,600,000
Escrow balances maintained with foregoing loan servicing and other liabilities	41,600,000		41,600,000		46,000,000
Nonresidential MSR
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	43,500,000		43,500,000		43,700,000
Revenue from Contract with Customer	8,000		22,000
Servicing assets valuation allowance	$ 0		$ 0		$ 0
Nonresidential MSR | Other ancillary fees related to nonresidential mortgage
Loans and Allowance for Loan Losses
Revenue from Contract with Customer		$ 16,000		$ 35,000

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
Deposits
Noninterest-bearing deposits	$ 315,602	$ 340,172
NOW accounts	315,187	343,296
Money market accounts	301,787	238,219
Savings accounts	158,007	171,779
Retail time deposits	154,951	129,864
Brokered & reciprocal time deposits	414,231	292,504
Total deposits	$ 1,659,765	$ 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		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Basic:
Net income attributable to First Savings Financial Group, In.	$ 2,324	$ 2,638	$ 8,919	$ 13,978
Shares:
Weighted average common shares outstanding, basic	6,816,608	7,073,204	6,858,739	7,082,034
Net income per common share, basic	$ 0.34	$ 0.37	$ 1.30	$ 1.97
Diluted:
Net income attributable to First Savings Financial Group, Inc.	$ 2,324	$ 2,638	$ 8,919	$ 13,978
Shares:
Weighted average common shares outstanding, basic	6,816,608	7,073,204	6,858,739	7,082,034
Add: Dilutive effect of outstanding Options	3,140	66,816	35,027	74,781
Add: Dilutive effect of restricted stock		5,268		9,817
Weighted average common shares outstanding, as adjusted	6,819,748	7,145,288	6,893,766	7,166,632
Net income per common share, diluted	$ 0.34	$ 0.37	$ 1.29	$ 1.95

Supplemental Disclosure for N_4

Supplemental Disclosure for Net Income Per Share - Additional Information (Details) - shares	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Restricted stock
Supplemental Disclosure for Net Income Per Share
Antidilutive restricted stock awards	0	0	0	0
Stock options
Supplemental Disclosure for Net Income Per Share
Antidilutive restricted stock awards	282,489	137,250	282,489	137,250

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	Jun. 30, 2023	Sep. 30, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	$ 248,397	$ 316,517
Residential mortgage loans held for sale - fair value option elected	50,066	38,579
Derivative assets (included in other assets)	1,129	1,030
Residential mortgage loan servicing rights, at fair value	60,649	63,263
Derivative liabilities (included in other liabilities)	97	427
U.S. Treasury bills and notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	28,469	27,295
Agency mortgage-backed
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	26,319	27,500
Agency CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	13,176	14,821
Privately-issued CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	408	470
Privately-issued ABS
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	469	569
SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	11,245	12,012
Municipal bonds
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	166,655	233,850
Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	248,397	316,517
Residential mortgage loans held for sale - fair value option elected	50,066	38,579
Derivative assets (included in other assets)	1,129	1,030
Equity securities (included in other assets)	149	103
Residential mortgage loan servicing rights, at fair value	60,649	63,263
Derivative liabilities (included in other liabilities)	97	427
Fair Value, Measurements, Recurring | U.S. Treasury bills and notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	28,469	27,295
Fair Value, Measurements, Recurring | Agency mortgage-backed
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	26,319	27,500
Fair Value, Measurements, Recurring | Agency CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	13,176	14,821
Fair Value, Measurements, Recurring | Privately-issued CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	408	470
Fair Value, Measurements, Recurring | Privately-issued ABS
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	469	569
Fair Value, Measurements, Recurring | SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	11,245	12,012
Fair Value, Measurements, Recurring | Municipal bonds
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	166,655	233,850
Fair Value, Measurements, Recurring | Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	1,656
Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	2,658	2,910
SBA loan servicing rights		3,790
Fair Value, Measurements, Nonrecurring | SBA commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	2,435	2,574
Fair Value, Measurements, Nonrecurring | Commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	52	46
Fair Value, Measurements, Nonrecurring | SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	171	290
Level 1
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Equity securities (included in other assets)	149	103
Level 1 | Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Equity securities (included in other assets)	149	103
Level 2
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	248,397	316,517
Level 2 | Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	248,397	316,517
Residential mortgage loans held for sale - fair value option elected	50,066	38,579
Derivative assets (included in other assets)	388	872
Derivative liabilities (included in other liabilities)	30	31
Level 2 | Fair Value, Measurements, Recurring | U.S. Treasury bills and notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	28,469	27,295
Level 2 | Fair Value, Measurements, Recurring | Agency mortgage-backed
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	26,319	27,500
Level 2 | Fair Value, Measurements, Recurring | Agency CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	13,176	14,821
Level 2 | Fair Value, Measurements, Recurring | Privately-issued CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	408	470
Level 2 | Fair Value, Measurements, Recurring | Privately-issued ABS
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	469	569
Level 2 | Fair Value, Measurements, Recurring | SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	11,245	12,012
Level 2 | Fair Value, Measurements, Recurring | Municipal bonds
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	166,655	233,850
Level 2 | Fair Value, Measurements, Recurring | Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	1,656
Level 3 | Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Derivative assets (included in other assets)	741	158
Residential mortgage loan servicing rights, at fair value	60,649	63,263
Derivative liabilities (included in other liabilities)	67	396
Level 3 | Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	2,658	2,910
SBA loan servicing rights		3,790
Level 3 | Fair Value, Measurements, Nonrecurring | SBA commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	2,435	2,574
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	52	46
Level 3 | Fair Value, Measurements, Nonrecurring | SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	$ 171	$ 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		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Beginning balance	$ 1,348	$ (2,923)	$ (238)	$ 1,567
Unrealized gains (losses) recognized in earnings, net of settlements	(674)	3,526	912	(964)
Ending balance	$ 674	$ 603	$ 674	$ 603

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	Jun. 30, 2023	Sep. 30, 2022
Pull-through rate | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	39%	50%
Pull-through rate | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	95%	100%
Pull-through rate | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	72%	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	6.28%	4%
Direct costs to close | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	0.76%	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		9 Months Ended		12 Months Ended
	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) item	Jun. 30, 2022 USD ($)	Sep. 30, 2022 item
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Derivative assets and liabilities held	$ 964,000	$ 912,000	$ 964,000	$ 912,000
Impairment charges on nonresidential mortgage loan servicing rights	0	0	$ 0	0
Number of loans were 90 days or more past due | item			0		0
Level 3
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Transfers from loans to OREO	0		$ 0
Impaired loans
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Charges to write down other real estate owned	261,000	508,000	825,000	1,700,000
SBA commercial
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Impairment charges on loan	$ 0	$ 187,000	$ 179,000	$ 181,000
Maximum | Collateral | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate			6%		10%
Maximum | Impaired loans | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate			50%		80%
Discount rate					25%
Maximum | Impaired loans | Prepayment rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Prepayment rate					29.26%
Minimum | Collateral | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate			0%		0%
Minimum | Impaired loans | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate			0%		0%
Discount rate					6.90%
Minimum | Impaired loans | Prepayment rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Prepayment rate					7.08%
Weighted Average | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate					5.90%
Weighted Average | Collateral | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate			5.90%
Weighted Average | Impaired loans | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair value inputs discount rate			14.70%		16.40%
Weighted Average | SBA commercial | Discount rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Discount rate					12.71%
Weighted Average | SBA commercial | Prepayment rate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Prepayment rate					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	Jun. 30, 2023	Sep. 30, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Residential mortgage loans held for sale Aggregate Fair Value	$ 50,066	$ 38,579
Residential mortgage loans held for sale Aggregate Principal Balance	49,177	38,517
Residential mortgage loans held for sale Difference	$ 889	$ 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		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total gains and interest included in earnings	$ 470	$ 1,931	$ 2,237	$ 2,963
Interest income
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Interest income	704	1,127	1,521	3,080
Mortgage Banking
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Gains (losses) - included in mortgage banking income	$ (234)	$ 804	$ 716	$ (117)

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	9 Months Ended	12 Months Ended
	Jun. 30, 2023	Sep. 30, 2022
Financial assets:
Cash and due from banks	$ 23,722	$ 18,312
Interest-bearing deposits with banks	18,753	23,353
Fair Value	248,397	316,517
Securities held to maturity	1,391	1,558
Loans, net	1,691,289	1,474,544
SBA loan servicing rights	3,374	3,790
Financial liabilities:
Noninterest-bearing deposits	315,602	340,172
Interest-bearing deposits	1,344,163	1,175,662
Borrowings from FHLB	345,000	307,303
Other borrowings	48,387	88,206
Accrued interest payable	5,782	1,302
Advance payments by borrowers for taxes and insurance	907	1,207
Level 1
Financial assets:
Cash and due from banks	23,722	18,312
Interest-bearing deposits with banks	18,753	23,353
Equity securities (included in other assets)	149	103
Financial liabilities:
Noninterest-bearing deposits	315,602	340,172
Level 2
Financial assets:
Interest-bearing time deposits	980	1,613
Fair Value	248,397	316,517
Securities held to maturity	1,411	1,593
Residential mortgage loans held for sale	50,066	38,579
SBA loans held for sale		24,010
Accrued interest receivable	10,461	8,332
Derivative assets (included in other assets)	388	872
Financial liabilities:
Borrowings from FHLB	337,656	302,090
Subordinated note	47,139	48,685
Accrued interest payable	5,782	1,302
Advance payments by borrowers for taxes and insurance	907	1,207
Derivative liabilities (included in other liabilities)	30	31
Level 3
Financial assets:
SBA loans held for sale	14,191
Loans, net	1,594,706	1,402,222
SBA loan servicing rights	3,537	3,790
Residential mortgage loan servicing rights	60,649	63,263
Nonresidential mortgage loan servicing rights	116	141
SBA loan servicing rights		3,789
Derivative assets (included in other assets)	741	158
Financial liabilities:
Interest-bearing deposits	1,339,449	1,170,620
Other borrowings		37,989
Derivative liabilities (included in other liabilities)	67	396
Estimate of fair value measurement
Financial assets:
Cash and due from banks	23,722	18,312
Interest-bearing deposits with banks	18,753	23,353
Interest-bearing time deposits	980	1,613
Fair Value	248,397	316,517
Securities held to maturity	1,391	1,558
Residential mortgage loans held for sale	50,066	38,579
SBA loans held for sale	13,076	21,883
Loans, net	1,691,289	1,474,544
FRB and FHLB stock	24,939	20,004
Accrued interest receivable	10,461	8,332
SBA loan servicing rights	3,374	3,790
Residential mortgage loan servicing rights	60,649	63,263
Nonresidential mortgage loan servicing rights	116	141
SBA loan servicing rights		3,790
Derivative assets (included in other assets)	1,129	1,030
Equity securities (included in other assets)	149	103
Financial liabilities:
Noninterest-bearing deposits	315,602	340,172
Interest-bearing deposits	1,344,163	1,175,662
Borrowings from FHLB	345,000	307,303
Subordinated note	48,387	50,217
Other borrowings		37,989
Accrued interest payable	5,782	1,302
Advance payments by borrowers for taxes and insurance	907	1,207
Derivative liabilities (included in other liabilities)	$ 97	$ 427

Employee Stock Ownership Plan (

Employee Stock Ownership Plan (Details) - USD ($)		3 Months Ended		9 Months Ended
	Oct. 06, 2008	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Sep. 30, 2022
Stock Based Compensation Plans
Total ESOP shares	203,363	293,695		293,695		293,695
Compensation expense recognized		$ 0	$ 0	$ 0	$ 0
Employee stock ownership plan (per share)	$ 10

Stock Based Compensation Plan_2

Stock Based Compensation Plans - Fair Value Of Options Granted (Details) - $ / shares	9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Stock Based Compensation Plans
Expected dividend yield	2.93%	2.32%
Risk-free interest rate	3.94%	1.55%
Expected volatility	27.70%	27%
Expected life of options	6 years 9 months 18 days	7 years 1 month 6 days
Weighted average fair value at grant date	$ 5.71	$ 7.03

Stock Based Compensation Plan_3

Stock Based Compensation Plans - Stock Option Activity (Details)	9 Months Ended
	Jun. 30, 2023 $ / shares shares
Number of Shares
Outstanding at beginning of year | shares	351,369
Granted | shares	66,000
Forfeited or expired | shares	(6,000)
Outstanding at end of year | shares	411,369
Vested and expected to vest | shares	411,369
Exercisable at end of year | shares	226,710
Weighted Average Exercise Price
Outstanding at beginning of year | $ / shares	$ 20.57
Granted | $ / shares	22.49
Forfeited or expired | $ / shares	26.72
Outstanding at end of year | $ / shares	20.79
Vested and expected to vest | $ / shares	20.79
Exercisable at end of year | $ / shares	$ 17.84
Weighted Average Remaining Contractual Term (Years)
Outstanding at end of period	6 years 6 months
Vested and expected to vest	6 years 6 months
Exercisable at end of period	4 years 10 months 24 days

Stock Based Compensation Plan_4

Stock Based Compensation Plans - Non vested Restricted Shares (Details) - Restricted stock - $ / shares	9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Number of Shares
Nonvested	51,324
Granted	22,000
Vested	(16,408)	(12,225)
Forfeited	(2,000)
Nonvested	54,916
Weighted Average Grant Date Fair Value
Nonvested	$ 26.07
Granted	22.49
Vested	25.68
Forfeited	26.72
Nonvested	$ 24.73

Stock Based Compensation Plan_5

Stock Based Compensation Plans - Additional Information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
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		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		356,058
Number of stock options granted			267,043
Common stock available under incentive plan			93,058
Employee Stock Option
Stock Based Compensation Plans
Intrinsic value of stock options exercised			$ 0	$ 0
Compensation expense	$ 75,000	$ 82,000	228,000	215,000
Unrecognized compensation expenses related to nonvested stock options	$ 883,000		$ 883,000
Vesting period			3 years 8 months 1 day
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		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			69,793
Restricted stock
Stock Based Compensation Plans
Number of restricted shares granted			22,000
Compensation expense	$ 98,000	$ 105,000	$ 298,000	$ 285,000
Unrecognized compensation expenses related to nonvested stock options	$ 1,100,000		$ 1,100,000
Restricted shares vested			16,408	12,225
Fair value of restricted shares			$ 369,000	$ 327,000
weighted average period of compensation expense (in years)			3 years 8 months 4 days
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		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			23,265
Stock Option [Member] | Restricted stock
Stock Based Compensation Plans
Number of equity incentive plans	3		3

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
Derivative Financial Instruments
Notional Amount	$ 215,653	$ 108,952
Asset Derivatives	1,129	1,030
Liability Derivatives	97	427
Interest rate lock commitments
Derivative Financial Instruments
Notional Amount	111,653	48,952
Asset Derivatives	741	158
Liability Derivatives	67	396
Forward mortgage loan sale contracts
Derivative Financial Instruments
Notional Amount	104,000	60,000
Asset Derivatives	388	872
Liability Derivatives	$ 30	$ 31

Derivative Financial Instrume_4

Derivative Financial Instruments - Income (loss) related to derivative financial instruments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 423	$ 9,617	$ 1,033	$ 18,134
Interest rate lock commitments
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	(674)	3,526	912	(964)
Forward mortgage loan sale contracts
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 1,097	$ 6,091	$ 121	$ 19,098

Derivative Financial Instrume_5

Derivative Financial Instruments - Additional information (Details) - USD ($) $ in Millions	Jun. 30, 2023	Sep. 30, 2022
Derivative Financial Instruments
Cash collateral derivative counterparty obligations	$ 1.5	$ 2.4

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Jun. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
Consolidated
Regulatory Capital
Total capital (to risk weighted assets) Actual Amount	$ 231,481	$ 224,895
Tier 1 capital (to risk-weighted assets) Actual Amount	166,256	159,318
Common equity tier 1 capital (to risk-weighted assets) Actual Amount	166,256	159,318
Tier 1 capital (to average adjusted total assets) Actual Amount	$ 166,256	$ 159,318
Total capital (to risk weighted assets) Actual Ratio	0.1173	0.1233
Tier 1 capital (to risk-weighted assets) Actual Ratio	0.0843	0.0873
Common equity tier 1 capital (to risk-weighted assets) Actual Ratio	0.0843%	0.0873%
Tier 1 capital (to average adjusted total assets) Actual Ratio	0.0728	0.0796
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Amount	$ 157,860	$ 145,973
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	118,395	109,480
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	88,796	82,110
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Amount	$ 91,359	$ 80,031
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.0600	0.0600
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Ratio	0.0400	0.0400
Bank
Regulatory Capital
Total capital (to risk weighted assets) Actual Amount	$ 223,772	$ 208,280
Tier 1 capital (to risk-weighted assets) Actual Amount	206,934	192,920
Common equity tier 1 capital (to risk-weighted assets) Actual Amount	206,934	192,920
Tier 1 capital (to average adjusted total assets) Actual Amount	$ 206,934	$ 192,920
Total capital (to risk weighted assets) Actual Ratio	0.1135	0.1144
Tier 1 capital (to risk-weighted assets) Actual Ratio	0.1049	0.1059
Common equity tier 1 capital (to risk-weighted assets) Actual Ratio	0.1049%	0.1059%
Tier 1 capital (to average adjusted total assets) Actual Ratio	0.0906	0.0958
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Amount	$ 157,747	$ 145,713
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	118,311	109,285
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	88,733	81,963
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Amount	$ 91,386	$ 80,555
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.0600	0.0600
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Ratio	0.0400	0.0400
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 197,184	$ 182,141
Tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	157,747	145,713
Common equity tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	128,170	118,392
Tier 1 capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 114,232	$ 100,693
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.1000	0.1000
Tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.0800	0.0800
Common equity tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.065%	0.065%
Tier 1 capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.0500	0.0500

Regulatory Capital - Additional

Regulatory Capital - Additional information (Details) - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2023	Sep. 30, 2022
Regulatory Capital
Percentage of capital conservation buffer	2.50%	2.50%
Maximum amount to attain consolidated capital requirements	$ 3,000,000
Amount deducted from capital for interest rate risk	$ 0

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) segment	Jun. 30, 2022 USD ($)	Sep. 30, 2022 USD ($)
Segment Reporting
Number of operating segments | segment			3
Net interest income	$ 14,865	$ 15,911	$ 46,038	$ 43,827
Provision (credit) for loan losses	441	532	1,797	1,028
Net interest income after provision	14,424	15,379	44,241	42,799
Net gains on sales of loans, SBA	497	486	2,179	3,449
Mortgage banking income	4,668	7,093	11,313	36,091
Noninterest income	7,196	10,033	19,900	46,696
Noninterest expense	18,965	22,835	54,475	73,148
Income (loss) before taxes	2,655	2,577	9,666	16,347
Income tax expense (benefit)	331	(61)	747	2,369
Net income	2,324	2,638	8,919	13,978
Non-cash items:
Depreciation and amortization	645	614	1,907	1,850
Segment assets	2,260,421	2,006,666	2,260,421	2,006,666	$ 2,093,725
Core Banking
Segment Reporting
Net interest income	13,407	13,848	42,047	37,190
Provision (credit) for loan losses	881	910	2,003	526
Net interest income after provision	12,526	12,938	40,044	36,664
Mortgage banking income	16		8	(2)
Noninterest income	1,965	2,379	5,626	6,484
Noninterest expense	11,010	10,187	31,458	29,480
Income (loss) before taxes	3,481	5,130	14,212	13,668
Income tax expense (benefit)	561	568	1,908	1,398
Net income	2,920	4,562	12,304	12,270
Non-cash items:
Depreciation and amortization	618	568	1,817	1,698
Segment assets	2,058,442	1,733,453	2,058,442	1,733,453
SBA Lending
Segment Reporting
Net interest income	1,098	1,449	3,186	4,926
Provision (credit) for loan losses	(440)	(378)	(206)	502
Net interest income after provision	1,538	1,827	3,392	4,424
Net gains on sales of loans, SBA	497	486	2,179	3,449
Noninterest income	580	584	2,970	4,143
Noninterest expense	2,107	2,341	6,693	6,830
Income (loss) before taxes	11	70	(331)	1,737
Income tax expense (benefit)	(21)	26	(108)	531
Net income	32	44	(223)	1,206
Non-cash items:
Depreciation and amortization	5	7	16	23
Segment assets	84,394	103,448	84,394	103,448
Mortgage Banking
Segment Reporting
Net interest income	360	614	805	1,711
Net interest income after provision	360	614	805	1,711
Mortgage banking income	4,652	7,093	11,305	36,093
Noninterest income	4,651	7,070	11,304	36,069
Noninterest expense	5,848	10,307	16,324	36,838
Income (loss) before taxes	(837)	(2,623)	(4,215)	942
Income tax expense (benefit)	(209)	(655)	(1,053)	440
Net income	(628)	(1,968)	(3,162)	502
Non-cash items:
Depreciation and amortization	22	39	74	129
Segment assets	$ 117,585	$ 169,765	$ 117,585	$ 169,765

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Revenue from Contracts with Customers
Revenue from contracts with customers	$ 1,398	$ 1,439	$ 4,129	$ 3,982
Gain (loss) on securities	(529)	465	(494)	465
Gain on sale of SBA loans	497	486	2,179	3,449
Gain on sale of single tenant net lease loans				719
Mortgage banking income	4,668	7,093	11,313	36,091
Increase in cash value of life insurance	279	277	770	782
Real estate lease income	119	155	353	451
Loan servicing and other income	764	118	1,650	757
Other noninterest income	5,798	8,594	15,771	42,714
Total noninterest income	7,196	10,033	19,900	46,696
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenue from contracts with customers	509	462	1,538	1,329
ATM and interchange fees
Revenue from Contracts with Customers
Revenue from contracts with customers	615	774	1,940	2,047
Investment Advisory Income
Revenue from Contracts with Customers
Revenue from contracts with customers	247	177	564	522
Other
Revenue from Contracts with Customers
Revenue from contracts with customers	$ 27	$ 26	$ 87	$ 84

Mortgage Banking Income (Detail

Mortgage Banking Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Mortgage Banking Income
Origination and sale of mortgage loans	$ 2,599	$ (6,768)	$ 5,216	$ (2,231)
Mortgage brokerage income	74	175	284	713
Net change in fair value of loans held for sale and interest rate lock commitments	(908)	4,330	1,627	(3,098)
Realized and unrealized gains from Forward sales commitments	1,097	6,091	121	19,098
Capitalized residential mortgage loan servicing rights	764	2,731	1,202	10,581
Net change in fair value of residential mortgage loan servicing rights	(1,309)	(1,552)	(3,816)	4,679
Provisions for loan repurchases and indemnifications	(70)	(154)	(559)	(246)
Net loan servicing income	2,421	2,240	7,238	6,595
Total mortgage banking income	$ 4,668	$ 7,093	$ 11,313	$ 36,091

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Jun. 30, 2023
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	During the three months ended June 30, 2023, none of the Company’s directors or executive officers adopted terminated
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false