First Savings Financial (FSFG) 10-K 20 Dec 23 2023 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2023	Dec. 04, 2023	Mar. 31, 2023
Document And Entity Information
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 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, Suite 300,
Entity Address, City or Town	Jeffersonville
Entity Address, State or Province	IN
Entity Address, Postal Zip Code	47130
City Area Code	812
Local Phone Number	283-0724
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	FSFG
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 87.2
Entity Common Stock, Shares Outstanding		6,883,960
Entity Central Index Key	0001435508
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Amendment Flag	false
Auditor Name	FORVIS, LLP
Auditor Firm ID	686
Auditor Location	New Albany, Indiana

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
ASSETS
Cash and due from banks	$ 18,014	$ 18,312
Interest-bearing deposits with banks	12,831	23,353
Total cash and cash equivalents	30,845	41,665
Interest-bearing time deposits	490	1,613
Debt securities available for sale, at fair value	227,739	316,517
Debt securities held to maturity	1,300	1,558
Loans held for sale, residential mortgage at fair value	24,692	38,579
Loans held for sale, Small Business Administration	21,163	21,883
Loans, net of allowance for loan losses of $16,900 at September 30, 2023 and $15,360 at September 30, 2022	1,770,243	1,474,544
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	24,939	20,004
Premises and equipment	27,861	27,100
Other real estate owned, held for sale	677	203
Accrued interest receivable:
Loans	7,809	5,379
Securities	2,352	2,953
Cash surrender value of life insurance	46,226	45,145
Goodwill	9,848	9,848
Core deposit intangibles	561	775
Residential mortgage loan servicing rights, at fair value	59,768	63,263
Nonresidential mortgage loan servicing rights	101	141
SBA loan servicing rights	2,950	3,790
Other assets	29,290	18,765
Total Assets	2,288,854	2,093,725
Deposits:
Noninterest-bearing	242,237	340,172
Interest-bearing	1,439,557	1,175,662
Total deposits	1,681,794	1,515,834
Federal Home Loan Bank borrowings	363,183	307,303
Other borrowings	48,444	88,206
Accrued interest payable	8,926	1,302
Advance payments by borrowers for taxes and insurance	1,027	1,207
Accrued expenses and other liabilities	34,499	28,308
Total Liabilities	2,137,873	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 7,778,471 shares at September 30, 2023 (7,757,271 at September 30, 2022); outstanding 6,867,121 shares at September 30, 2023 (6,970,631 shares at September 30, 2022)	78	78
Additional paid-in capital	26,986	26,770
Retained earnings - substantially restricted	166,306	161,927
Accumulated other comprehensive loss	(29,587)	(27,079)
Unearned stock compensation	(1,015)	(969)
Less treasury stock, at cost - 911,350 shares (786,640 shares at September 30, 2022)	(11,787)	(9,162)
Total Stockholders' Equity	150,981	151,565
Total Liabilities and Stockholders' Equity	$ 2,288,854	$ 2,093,725

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
CONSOLIDATED BALANCE SHEETS
Loans, net of allowance for loan losses	$ 16,900	$ 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	7,778,471	7,757,271
Common stock, shares outstanding	6,867,121	6,970,631
Treasury stock, shares	911,350	786,640

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
INTEREST INCOME
Loans, including fees	$ 89,801	$ 62,109	$ 58,114
Securities:
Taxable	3,865	2,334	1,771
Tax-exempt	7,259	5,861	4,719
Dividend income	1,435	729	582
Interest-bearing deposits with banks	869	161	73
Total interest income	103,229	71,194	65,259
INTEREST EXPENSE
Deposits	27,671	4,902	3,195
Federal funds purchased and repurchase agreements	1
Federal Home Loan Bank borrowings	10,739	3,333	3,199
Federal Reserve PPPLF borrowings			400
Other borrowings	3,244	2,307	1,293
Total interest expense	41,655	10,542	8,087
Net interest income	61,574	60,652	57,172
Provision (credit) for loan losses	2,612	1,908	(1,767)
Net interest income after provision (credit) for loan losses	58,962	58,744	58,939
NONINTEREST INCOME
Service charges on deposit accounts	2,017	1,864	1,468
ATM and interchange fees	2,756	2,753	2,399
Net gain (loss) on sales of available for sale securities	(551)	476
Net unrealized gain (loss) on equity securities	57	(10)	46
Other than temporary impairment loss on securities	(28)
Net gain on sales of loans, Small Business Administration	2,717	3,698	8,740
Net gain on sales of loans, single tenant net lease		719
Mortgage banking income	14,331	38,337	104,504
Increase in cash surrender value of life insurance	1,081	993	785
Gain on life insurance			140
Commission income	746	717	589
Real estate lease income	469	571	592
Net gain on premises and equipment	49		78
Income from tax credit investment		12	32
Gain from repurchase of subordinated debt	660
Other income	1,038	1,097	1,063
Total noninterest income	25,342	51,227	120,436
NONINTEREST EXPENSE
Compensation and benefits	43,938	61,207	102,951
Occupancy and equipment	7,938	8,167	9,906
Data processing	4,861	2,623	2,546
Advertising	2,016	3,199	6,574
Professional fees	2,979	6,656	5,583
FDIC insurance premiums	1,675	527	446
Net (gain) loss on other real estate owned	4	115	(64)
Other operating expenses	12,711	10,168	11,467
Total noninterest expense	76,122	92,662	139,409
Income before income taxes	8,182	17,309	39,966
Income tax expense	10	1,923	9,997
Net Income	8,172	15,386	29,969
Less: net income attributable to noncontrolling interests	0	0	402
Net Income Attributable to First Savings Financial Group, Inc.	$ 8,172	$ 15,386	$ 29,567
Net income per share:
Basic	$ 1.19	$ 2.18	$ 4.16
Diluted	$ 1.19	$ 2.15	$ 4.12
Weighted average shares outstanding:
Basic	6,848,311	7,058,550	7,107,786
Diluted	6,880,072	7,141,846	7,173,733
Dividends per share	$ 0.55	$ 0.51	$ 0.36

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
Net income	$ 8,172	$ 15,386	$ 29,969
Unrealized losses on securities available for sale:
Unrealized holding losses arising during the period	(3,772)	(45,068)	(2,923)
Income tax benefit	806	9,464	614
Net of tax amount	(2,966)	(35,604)	(2,309)
Less: reclassification adjustment for realized (gains) losses included in net income	551	(476)	0
Income tax expense (benefit)	(115)	101	0
Net of tax amount	436	(375)	0
Less: reclassification adjustment for other-than-temporary impairment loss on securities included in net income	28	0	0
Income tax benefit	(6)	0	0
Net of tax amount	22	0	0
Other Comprehensive Loss	(2,508)	(35,979)	(2,309)
Comprehensive Income (Loss)	5,664	(20,593)	27,660
Less: comprehensive income attributable to noncontrolling interests	0	0	402
Comprehensive Income (Loss) Attributable to First Savings Financial Group, Inc.	$ 5,664	$ (20,593)	$ 27,258

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Unearned Stock Compensation	Treasury Stock	Noncontrolling Interests in Subsidiary	Cumulative Effect Period Of Adoption Adjustment Member	Total
Balances at Sep. 30, 2020	$ 26	$ 27,480	$ 123,158	$ 11,209	$ (348)	$ (4,253)	$ 293		$ 157,565
Net income			29,567				402		29,969
Acquisition of minority interests in Q2		(1,874)					$ (695)		(2,569)
Other comprehensive loss				(2,309)					(2,309)
Common stock dividends			(2,540)						(2,540)
Restricted stock forfeitures		25			(25)
Stock compensation expense		92			185				277
Stock option exercises		100				2			102
Purchase of treasury shares						(118)			(118)
Three-for-one stock split in the form of a stock dividend	52	(52)
Balances at Sep. 30, 2021	78	25,721	150,185	8,900	(138)	(4,369)			180,377
Net income			15,386						15,386
Acquisition of minority interests in Q2		(509)							(509)
Other comprehensive loss				(35,979)					(35,979)
Common stock dividends			(3,644)						(3,644)
Restricted stock forfeitures		1,222			(1,222)
Stock compensation expense		296			391				687
Stock option exercises		(40)							(40)
Purchase of treasury shares						(4,793)			(4,793)
Balances at Sep. 30, 2022	78	26,770	161,927	(27,079)	(969)	(9,162)			151,565
Cumulative effect adjustment, adoption of ASU 2016-02								$ 4,600	161,927
Net income			8,172						8,172
Other comprehensive loss				(2,508)					(2,508)
Common stock dividends			(3,793)						(3,793)
Restricted stock grants		495			(495)
Restricted stock forfeitures		(53)			53
Stock compensation expense		302			396				698
Stock option exercises		16							16
Purchase of treasury shares						(2,625)			(2,625)
Transfer of securities from subsidiary		(544)							(544)
Balances at Sep. 30, 2023	$ 78	$ 26,986	$ 166,306	$ (29,587)	$ (1,015)	$ (11,787)			150,981
Cumulative effect adjustment, adoption of ASU 2016-02								$ 4,600	$ 166,306

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)	12 Months Ended
	Sep. 30, 2023 $ / shares shares	Sep. 30, 2022 $ / shares shares	Sep. 30, 2021 $ / shares shares
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Common stock dividends - per share | $ / shares	$ 0.55	$ 0.51	$ 0.36
Restricted stock grants - shares	22,000
Restricted stock forfeitures - shares	2,000	45,750	1,500
Stock option exercises - shares	1,200	2,955	6,840
Purchase of treasury shares	124,710	203,962	5,424
Stock split ratio			3

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 8,172	$ 15,386	$ 29,969
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (credit) for loan losses	2,612	1,908	(1,767)
Depreciation and amortization	2,549	2,448	2,300
Amortization of premiums and accretion of discounts on securities, net	578	903	799
Amortization and accretion of fair value adjustments on loans, net	(1,805)	(1,529)	(1,490)
Loans originated for sale, residential mortgage	(587,685)	(1,607,914)	(4,094,460)
Loans originated for sale, nonresidential mortgage		(34,842)	(5,514)
Loans originated for sale, Small Business Administration	(41,160)	(34,520)	(77,029)
Proceeds on sales of loans, residential mortgage	603,800	1,721,434	4,264,211
Proceeds on sales of loans, nonresidential mortgage		45,282
Proceeds on sales of loans, Small Business Administration	44,817	40,210	83,431
Net realized and unrealized (gain) loss on loans held for sale	(3,958)	12,376	(56,677)
Capitalization of loan servicing rights	(3,122)	(12,167)	(38,659)
Net change in value of residential mortgage loan servicing rights	5,849	(2,523)	8,803
Net change in value of SBA and nonresidential mortgage loan servicing rights	1,647	1,522	1,281
Net realized and unrealized (gain) loss on other real estate owned		115	(74)
Net loss (gain) on sales of available for sale securities	551	(476)	0
Other than temporary impairment loss on securities	28
Increase in cash surrender value of life insurance	(1,081)	(993)	(785)
Gain on life insurance			(140)
Net (gain) loss on equity securities	(57)	10	(46)
Net gain on sale of premises and equipment	(49)		(78)
Gain from repurchase of subordinated debt	(660)
Income from tax credit investments		(12)	(32)
Deferred income taxes	(716)	1,668	7,856
Stock compensation expense	698	688	277
(Increase) decrease in accrued interest receivable	(1,829)	(2,089)	219
Increase (decrease) in accrued interest payable	7,624	1,044	(425)
Change in other assets	7,874	13,813	1,883
Change in other liabilities	(11,919)	(12,930)	(8,960)
Net Cash Provided By Operating Activities	32,758	148,812	114,893
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits	(490)	(245)	(497)
Proceeds from sales and maturities of interest-bearing time deposits	1,603	840	1,225
Purchase of securities available for sale	(11,664)	(211,141)	(29,517)
Proceeds from sales of securities available for sale	79,230	33,494
Principal collected and proceeds from maturities of securities available for sale	16,877	21,860	21,112
Proceeds from maturities of securities held to maturity	258	260	247
Net increase in loans	(335,871)	(386,727)	(26,566)
Proceeds from redemption of Federal Reserve Bank and Federal Home Loan Bank stock	15	592	53
Purchase of Federal Reserve Bank and Federal Home Loan Bank stock	(4,950)	(1,338)	(2,018)
Investment in cash surrender value of life insurance			(12,042)
Proceeds from life insurance		575
Proceeds from sale of other real estate owned	134	689	500
Purchase of premises and equipment	(2,954)	(835)	(5,640)
Proceeds from sales of premises and equipment			438
Investment in partnership interests	(6,176)	(2,242)
Acquisition of minority interests in Q2			(3,172)
Net Cash Used In Investing Activities	(263,988)	(544,218)	(55,877)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	172,482	288,254	179,504
Increase (decrease) in Federal Home Loan Bank line of credit	(4,120)	12,303	(20,858)
Proceeds from Federal Home Loan Bank advances	7,455,000	1,130,000	455,000
Repayment of Federal Home Loan Bank advances	(7,395,000)	(1,085,000)	(495,000)
Net decrease in Federal Reserve PPPLF borrowings			(174,834)
Repurchase of subordinated debt	(1,340)
Net proceeds from subordinated notes		30,258
Net increase in other borrowings		37,989
Net increase (decrease) in advance payments by borrowers for taxes and insurance	(180)	(869)	(1,427)
Proceeds from exercise of stock options	16		27
Taxes paid on stock award shares for employees	(30)	(48)	(41)
Purchase of treasury shares	(2,625)	(4,745)
Dividends paid on common stock	(3,793)	(4,499)	(1,685)
Net Cash Provided By (Used In) Financing Activities	220,410	403,643	(59,314)
Net Increase (Decrease) in Cash and Cash Equivalents	(10,820)	8,237	(298)
Cash and cash equivalents at beginning of year	41,665	33,428	33,726
Cash and Cash Equivalents at End of Year	30,845	41,665	33,428
Supplemental Disclosures of Cash Flow Information:
Interest	34,031	9,301	8,517
Income taxes (net of refunds received)	(116)	(3,226)	9,051
Non-cash activities:
Net transfer from loans to loans held for sale			41,703
Net transfer from loans held for sale to loans		13,139
Transfers from loans to OREO	$ 474		426
Cashless exercise of stock options		39	$ 77
Transfers from OREO to premises and equipment		$ 721

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Sep. 30, 2023
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	(1) Nature of Operations First Savings Financial Group, Inc. (the “Company”) is a financial holding company and the parent of First Savings Bank (the “Bank”). The Bank, which is a wholly-owned Indiana-chartered commercial bank subsidiary of the Company, provides a variety of banking services to individuals and business customers through 16 locations in southern Indiana. The Bank attracts deposits primarily from the general public and uses those funds, along with other borrowings, primarily to originate residential mortgage, commercial mortgage, construction, commercial business and consumer loans, and to a lesser extent, to invest in mortgage-backed securities and other securities. The Bank has 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. First Savings Insurance Risk Management, Inc. (the “Captive”), which was a wholly-owned insurance subsidiary of the Company, was a Nevada corporation that provided property and casualty insurance to the Company, the Bank and the Bank’s active subsidiaries. In addition, the Captive provided reinsurance to 11 other third-party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace. Effective September 30, 2023, the Captive was dissolved and is no longer in existence. Basis of Consolidation and Reclassifications The consolidated financial statements include the accounts of the Company and its subsidiaries, have been prepared in accordance with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. Intercompany balances and transactions have been eliminated. Statements of Cash Flows For purposes of the statements of cash flows, the Company has defined cash and cash equivalents as cash on hand, amounts due from banks (including cash items in process of clearing), interest-bearing deposits with other banks having an original maturity of 90 days or less and money market funds. (1 – Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses. In connection with the determination of the allowance for loan losses, management obtains independent appraisals for significant properties. A substantial portion of the Company’s loan portfolio consists of single-family residential and commercial real estate loans to customers in the southern Indiana and Louisville, Kentucky metropolitan area. Accordingly, the ultimate collectability of a substantial portion of the Company’s loan portfolio and the recovery of the carrying amount of other real estate owned are susceptible to changes in local market conditions. While management uses available information to recognize losses on loans and other real estate owned, further reductions in the carrying amounts of loans and other real estate owned may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans and other real estate owned. Such agencies may require the Company to recognize additional losses based on their judgments about information available to them at the time of their examination. Because of these factors, it is reasonably possible the estimated losses on loans and other real estate owned may change materially in the near term. However, the amount of the change that is reasonably possible cannot be estimated. Investment Securities Debt Securities Available for Sale Amortization of premiums and accretion of discounts are recognized in interest income using methods approximating the interest method over the period to maturity, adjusted for anticipated prepayments. Unrealized gains and losses, net of tax, on securities available for sale are included in other comprehensive income (loss) and the accumulated unrealized holding gains and losses are reported as a separate component of equity until realized. Realized gains and losses on the sale of securities available for sale are determined using the specific identification method and are included in other noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income (loss). ​ (1 – continued) Investment Securities - continued Debt Securities Held to Maturity Declines in the fair value of individual available for sale and held to maturity securities below their amortized cost that are other than temporary result in write-downs of the individual securities to their fair value. The related write-downs are included in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than amortized cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment for a period of time sufficient to allow for any anticipated recovery in fair value. Equity Securities Investments in non-marketable equity securities such as FRB stock and FHLB stock are carried at cost and are classified as restricted securities. The Bank is a member of the FHLB system and is required to own FHLB stock, the amount of which depends on the level of borrowings and other factors. Both cash and stock dividends received from these investments are included in dividend income. Impairment testing on these investments is based on applicable accounting guidance and the cost basis is reduced when impairment is deemed to be other-than-temporary. Loans Held for Sale The Company has elected to record substantially all residential mortgage loans held for sale at fair value in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 825-10. Net unrealized gains and losses are included in mortgage banking income in the accompanying consolidated statements of income. Realized gains on sales of residential mortgage loans are determined using the specific identification method and are included in mortgage banking income. The Company originates loans to customers under the SBA 7(a) and other programs that generally provide for SBA guarantees of 75% to 90% of each loan. The Company intends to sell the guaranteed portion of the SBA loans. The guaranteed portion of the SBA loans was classified as loans held for sale at September 30, 2023 and 2022. At September 30, 2023 and 2022, SBA loans held for sale totaling $21.2 million and $21.9 million, respectively, were carried at the lower of aggregate cost or fair value. Realized gains and losses on sales of SBA loans held for sale are determined based on the allocation of participating interests sold and retained and are included in net gain on sales of SBA loans in the accompanying consolidated statements of income. Direct loan origination costs and fees related to SBA loans held for sale are deferred upon origination and are recognized as an adjustment to the gain or loss on the date of sale. SBA loans held for sale are sold on a servicing retained basis. ​ (1 – continued) Loans Held for Sale - continued During 2022 the Company transferred certain single tenant net lease loans from loans to loans held for sale and sold those loans on the secondary market. At September 30,2023 and 2022, there were no single tenant net lease loans held for sale. Realized gains and losses on sales of single tenant net lease loans held for sale are determined using the specific identification method. Single tenant net lease loans held for sale are sold on a servicing retained basis. Transfers of Financial Assets The Company accounts for transfers and servicing of financial assets in accordance with FASB ASC 860, Transfers and Servicing Transfers of a portion of a loan must meet the criteria of a participating interest. If it does not meet the criteria of a participating interest, the transfer must be accounted for as a secured borrowing. In order to meet the criteria for a participating interest, all cash flows from the loan must be divided proportionately, the rights of each loan holder must have the same priority, and the loan holders must have no recourse to the transferor other than standard representations and warranties and no loan holder has the right to pledge or exchange the entire loan. The Company sells financial assets in the normal course of business, the majority of which are related to the SBA-guaranteed portion of loans, residential mortgage loan sales through established programs, and commercial loan sales through participation agreements. In accordance with accounting guidance for asset transfers, the Company considers any ongoing involvement with transferred assets in determining whether the assets can be derecognized from the balance sheet. With the exception of servicing and certain performance-based guarantees, the Company’s continuing involvement with financial assets sold is minimal and generally limited to market customary representation and warranty clauses. If the transfer of loans subject to loan participation does not meet the sale criteria or participation interest criteria under FASB ASC 860, the transfer is accounted for as a secured borrowing and the loan is not de-recognized and a participating liability is recorded in the consolidated balance sheets. When the Company sells financial assets, it may retain servicing rights and/or other interests in the financial assets. The gain or loss on sale depends on the previous carrying amount of the transferred financial assets, the servicing right recognized, and the consideration received and any liabilities incurred in exchange for the transferred assets. Upon transfer, any servicing assets and other interests held by the Company are carried at the lower of cost or fair value, with the exception of mortgage servicing rights related to sales of residential mortgage loans, which are carried at fair value. Loans and Allowance for Loan Losses Loans Held for Investment Loans are stated at unpaid principal balances, less net deferred loan fees, discounts and the allowance for loan losses. Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of deferred loan fees is discontinued when a loan is placed on nonaccrual status. ​ (1 – continued) Loans and Allowance for Loan Losses - continued Nonaccrual Loans The recognition of income on a loan is discontinued and previously accrued interest is reversed when interest or principal payments become 90 days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income on nonaccrual loans is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss is considered remote. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. Loan Charge-Offs For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs of loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 45 days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon when the carrying value of the loan exceeds the property’s fair value, less estimated costs to sell. Allowance for Loan Losses The allowance for loan losses reflects management’s judgment of probable incurred loan losses at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company evaluates the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. ​ (1 – continued) Loans and Allowance for Loan Losses - continued The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment. A specific reserve is established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan is lower than the carrying value of that loan. The general component covers loans not considered to be impaired. Such loans are pooled by segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 60-month period with the exception of the SBA loan portfolio which uses lookback periods of 24 to 48 months. The Company’s historical loss experience is then adjusted for qualitative factors that are reviewed on a quarterly basis based on the risks present for each portfolio segment. Management considers changes and trends in the following qualitative loss factors: levels of and trends in delinquencies and impaired loans; trends in the volume and term of new loan originations; national and local economic trends and conditions; changes in lending policies, procedures and practices; changes in the experience and ability of lending management and other staff; changes in the quality and depth of the Company’s loan review system; trends in collateral valuation in the Company’s lending area; the existence and effect of any concentrations of credit and other factors as determined by management including peer data. Each qualitative factor is evaluated and a qualitative factor adjustment is applied to the actual historical loss factors in determining the adjusted loss factors used in management’s allowance for loan losses adequacy calculation. At September 30, 2023, the Company's allowance for loan losses totaled $16.9 million, of which $15.4 million related to qualitative factor adjustments. At September 30, 2022, the Company’s allowance for loan losses totaled $15.4 million, of which $13.4 million related to qualitative factor adjustments. Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary. The following portfolio segments are considered in the allowance for loan loss analysis: residential real estate, commercial real estate (including single tenant net lease and loans originated through SBA programs), multi-family residential real estate, construction, land and land development, commercial business (including loans originated through SBA programs) and consumer. Residential real estate loans (including first-lien home equity lines of credit) primarily consist of loans to individuals for the purchase or refinance of their primary residence, with a small portion of the segment secured by non-owner-occupied residential investment properties. The risks associated with residential real estate loans are closely correlated to the local housing market and general economic conditions, as repayment of the loans is primarily dependent on the borrower’s or tenant’s personal cash flow and employment status. ​ (1 – continued) Loans and Allowance for Loan Losses - continued Commercial real estate loans include the single tenant net lease loans and loans originated through SBA programs in addition to the Company’s core commercial loans and are comprised of loans secured by various types of collateral including office buildings, warehouses, retail space and mixed use buildings located in the Company’s primary lending area and in other states. Risks related to commercial real estate lending are related to the market value of the property taken as collateral, the underlying cash flows and general economic conditions. Repayment of these loans is generally dependent on the ability of the borrower to attract tenants at lease rates that provide for adequate debt service and can be impacted by general economic conditions, which impact vacancy rates. The Company generally obtains loan guarantees from financially capable parties for commercial real estate loans. Multi-family residential real estate loans primarily consist of loans secured by apartment buildings and other multi-tenant developments generally located in the Company’s primary lending area. Repayment of these loans is primarily dependent on the borrower’s ability to attract tenants and collect rents that provide for adequate debt service. The risks associated with these loans are closely correlated to the local housing market and general economic conditions. Construction loans consist of single-family residential properties, multi-family properties and commercial projects, and include both owner-occupied and speculative investment properties. Risks inherent in construction lending are related to the market value of the property held as collateral, the cost and timing of constructing or improving a property, the borrower’s ability to use funds generated by a project to service a loan until a project is completed, movements in interest rates and the real estate market during the construction phase, and the ability of the borrower to obtain permanent financing. Land and land development loans primarily consist of loans secured by farmland and vacant land held for long-term investment or development. The risks associated with land and land development loans are related to the market value of the property taken as collateral and the underlying cash flows for loans secured by farmland, and general economic conditions. Commercial business loans include loans originated through SBA programs and lines of credit to businesses, term loans and letters of credit secured by business assets such as equipment, accounts receivable, inventory, or other assets excluding real estate and are generally made to finance capital expenditures or fund operations. Commercial loans contain risks related to the value of the collateral securing the loan and the repayment is primarily dependent upon the financial success and viability of the borrower. As with commercial real estate loans, the Company generally obtains loan guarantees from financially capable parties for commercial business loans. Consumer loans consist primarily of home equity lines of credit and other loans secured by junior liens on the borrower’s personal residence, home improvement loans, automobile and truck loans, boat loans, mobile home loans, loans secured by savings deposits and other personal loans. The risks associated with these loans are related to the local housing market and local economic conditions including the unemployment level. There were no significant changes to the Company’s accounting policies or methodology used to estimate the allowance for loan losses during the years ended September 30,2023, 2022,and 2021. ​ (1 – continued) Loans and Allowance for Loan Losses - continued Impaired Loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, estimated costs to complete unfinished or repair damaged property, and other known defects. New appraisals are generally obtained for all significant properties when a loan is identified as impaired. Generally, a property is considered significant if the value of the property is estimated to exceed $250,000. Subsequent appraisals are obtained as needed or if management believes there has been a significant change in the market value of a collateral property securing an impaired loan. In instances where it is not deemed necessary to obtain a new appraisal, management would base its impairment and allowance for loan loss analysis on the original appraisal with adjustments for current conditions based on management’s assessment of market factors and management’s inspection of the property. Troubled Debt Restructurings The modification of a loan is considered to be a troubled debt restructuring (“TDR”) if the debtor is experiencing financial difficulties and the Company grants a concession to the debtor that it would not otherwise consider. By granting the concession, the Company expects to obtain more cash or other value from the debtor, or to increase the probability of receipt, than would be expected by not granting the concession. The concession may include, but is not limited to, reduction of the stated interest rate of the loan, reduction of accrued interest, extension of the maturity date or reduction of the face amount of the debt. A concession will be granted when, as a result of the restructuring, the Company does not expect to collect all amounts due, including interest at the original stated rate. A concession may also be granted if the debtor is not able to access funds elsewhere at a market rate for debt with similar risk characteristics as the restructured debt. The Company’s determination of whether a loan modification is a TDR considers the individual facts and circumstances surrounding each modification. A TDR can involve a loan remaining on nonaccrual, moving to nonaccrual or continuing on accrual status, depending on the individual facts and circumstances of the borrower. Generally, a nonaccrual loan that is restructured in a TDR remains on nonaccrual status for a period of at least six months following the restructuring in order to ensure that the borrower performs in accordance with the restructured terms, including consistent and timely payments of at least six consecutive months according to the restructured terms. ​ (1 – continued) Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. The Company uses the straight line method of computing depreciation at rates adequate to amortize the cost of the applicable assets over their estimated useful lives. Maintenance and repairs are expensed as incurred. The cost and related accumulated depreciation of assets sold, or otherwise disposed of, are removed from the related accounts and any gain or loss is included in earnings. Other Real Estate Owned Other real estate owned includes formally foreclosed property, property obtained via a deed in lieu of foreclosure. At the time of acquisition, foreclosed real estate is recorded at its fair value, less estimated costs to sell, which becomes the property’s new cost basis. Any write-downs based on the property’s fair value at the date of acquisition are charged to the allowance for loan losses. After acquisition or the decision to classify property as held for sale, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value, less estimated costs to sell. Costs incurred in maintaining other real estate owned and subsequent impairment adjustments to the carrying amount of a property, if any, are included in noninterest expense. Cash Surrender Value of Life Insurance The Bank has purchased life insurance policies on certain directors, officers and key employees to help offset costs associated with the Bank’s compensation and benefit programs. The Bank is the owner and is a joint or sole beneficiary of the policies. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Income from the increase in cash surrender value of the policies and income from the recognition of death benefits is reported in noninterest income. Goodwill and Other Intangibles Goodwill recognized in a business combination represents the excess of the fair value of consideration transferred over the fair value of assets acquired and liabilities assumed. Goodwill is evaluated for possible impairment at least annually or more frequently upon the occurrence of an event or change in circumstances that would more likely than not reduce the fair value of the reporting unit below its carrying amount. Such circumstances could include, but are not limited to: (1) a significant adverse change in legal factors or in business climate, (2) unanticipated competition, or (3) an adverse action or assessment by a regulator. Other intangible assets consist of acquired core deposit intangibles. Core deposit intangibles are amortized over the estimated economic lives of the acquired core deposits. The carrying amount of core deposit intangibles and the remaining estimated economic life are evaluated annually or whenever events or circumstances indicate the carrying amount may not be recoverable or the remaining period of amortization requires revision. ​ (1 – continued) Derivative Financial Instruments In connection with the origination of residential mortgage loans to be sold in the secondary market, the Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 15 to 60 days. The Company also enters into forward mortgage loan commitments to sell to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts are considered derivatives and are recorded on the balance sheet at fair value in accordance with FASB ASC 815, Derivatives and Hedging Benefit Plans The Company provides a contributory defined contribution plan available to all eligible employees. The Company also established a leveraged employee stock ownership plan (“ESOP”) on October 6, 2008 that includes substantially all employees. The Company accounts for the ESOP in accordance with FASB ASC 718-40, Employee Stock Ownership Plans Stock Based Compensation The Company has adopted the fair value based method of accounting for stock-based compensation prescribed in FASB ASC 718-20, Compensation – Stock Compensation Income Taxes When income tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while other positions are subject to some degree of uncertainty regarding the merits of the position taken or the amount of the position that would be sustained. The Company recognizes the benefits of a tax position in the consolidated financial statements of the period during which, based on all available evidence, management believes it is more-likely-than-not (more than 50 percent probable) that the tax position would be sustained upon examination. Income tax positions that meet the more-likely-than-not threshold are measured as the largest amount of income tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with the income tax positions claimed on income tax returns that exceeds the amount measured as described above is reflected as a liability for unrecognized income tax benefits in the consolidated balance sheets, along with any associated interest and penalties that would be payable to the taxing authorities, if there were an examination. Interest and penalties associated with unrecognized income tax benefits are classified as additional income taxes in the consolidated statements of income. ​ (1 – continued) Income Taxes - continued Income taxes are provided for the tax effects of the transactions reported in the financial statements and consist of taxes currently due plus deferred income taxes. Income tax reporting and financial statement reporting rules differ in many respects. As a result, there will often be a difference between the carrying amount of an asset or liability as presented in the accompanying consolidated balance sheets and the amount that would be recognized as the tax basis of the same asset or liability

RESTRICTION ON CASH AND DUE FRO

RESTRICTION ON CASH AND DUE FROM BANKS	12 Months Ended
	Sep. 30, 2023
RESTRICTION ON CASH AND DUE FROM BANKS
RESTRICTION ON CASH AND DUE FROM BANKS	(2) The Company is required to maintain reserve balances on hand and with the Federal Reserve Bank, which are unavailable for investment but are interest-bearing. In March of 2020, the Federal Reserve Bank reduced the reserve requirement to zero. There were no required reserves for the years ended September 30, 2023 and 2022.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Sep. 30, 2023
Investment Securities
Investment Securities	(3) Investment securities have been classified according to management’s intent. Securities Available for Sale and Held to Maturity The amortized cost of securities available for sale and held to maturity and their approximate fair values are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2023: ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,598 ​ $ — ​ $ 4,649 ​ $ 25,949 Agency mortgage-backed ​ ​ 28,542 ​ ​ — ​ ​ 4,274 ​ ​ 24,268 Agency CMO ​ 14,064 ​ — ​ 1,322 ​ 12,742 Privately-issued CMO ​ 424 ​ 2 ​ 30 ​ 396 Privately-issued ABS ​ 433 ​ 13 ​ 3 ​ 443 SBA certificates ​ ​ 11,587 ​ ​ — ​ ​ 842 ​ ​ 10,745 Municipal bonds ​ 177,561 ​ 19 ​ 26,096 ​ 151,484 Subordinated debt ​ 2,000 ​ — ​ 288 ​ 1,712 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale ​ $ 265,209 ​ $ 34 ​ $ 37,504 ​ $ 227,739 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ Agency mortgage-backed ​ $ 36 ​ $ — ​ $ 1 ​ $ 35 Municipal bonds ​ 1,264 ​ 4 ​ — ​ 1,268 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,300 ​ $ 4 ​ $ 1 ​ $ 1,303 ​ ​ (3 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2022: ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,809 ​ $ — ​ $ 3,514 ​ $ 27,295 Agency mortgage-backed ​ ​ 30,786 ​ ​ 3 ​ ​ 3,289 ​ ​ 27,500 Agency CMO ​ 15,562 ​ — ​ 741 ​ 14,821 Privately-issued CMO ​ 495 ​ 4 ​ 29 ​ 470 Privately-issued ABS ​ 561 ​ 16 ​ 8 ​ 569 SBA certificates ​ 12,255 ​ 1 ​ 244 ​ 12,012 Municipal bonds ​ 260,326 ​ 167 ​ 26,643 ​ 233,850 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 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 available for sale and held to maturity debt securities as of September 30, 2023 by contractual maturity are shown below. Expected maturities of mortgage and other asset-backed securities may differ from contractual maturities because the mortgages and other assets underlying the obligations may be prepaid without penalty. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value ​ ​ ​ Due within one year ​ $ 2,294 ​ $ 2,265 ​ $ 253 ​ $ 253 Due after one year through five years ​ 8,358 ​ 8,201 ​ 667 ​ 669 Due after five years through ten years ​ 47,503 ​ 41,617 ​ 344 ​ 346 Due after ten years ​ 152,004 ​ 127,062 ​ — ​ — CMO ​ 14,488 ​ 13,138 ​ — ​ — ABS ​ 433 ​ 443 ​ — ​ — SBA certificates ​ 11,587 ​ 10,745 ​ — ​ — Mortgage-backed securities ​ 28,542 ​ 24,268 ​ 36 ​ 35 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 265,209 ​ $ 227,739 ​ $ 1,300 ​ $ 1,303 ​ (3 – continued) Information pertaining to securities with gross unrealized losses at September 30, 2023 and 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 (Dollars in thousands) Positions Value Losses September 30, 2023: ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 5 ​ $ 1,576 ​ $ 49 Agency mortgage-backed ​ 2 ​ ​ 163 ​ ​ 8 Agency CMO ​ 1 ​ ​ 4,249 ​ ​ 462 SBA certificates ​ 1 ​ ​ 31 ​ ​ 3 Municipal bonds 43 ​ ​ 45,931 ​ ​ 3,334 Other ​ 1 ​ ​ 1,712 ​ ​ 288 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 53 ​ 53,662 ​ 4,144 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 1 ​ ​ 24,373 ​ ​ 4,600 Agency mortgage-backed 15 ​ 23,859 ​ 4,266 Agency CMO 14 ​ 8,493 ​ 860 Privately-issued CMO ​ 2 ​ ​ 375 ​ ​ 30 Privately-issued ABS ​ 1 ​ ​ 212 ​ ​ 3 SBA certificates 2 ​ 10,714 ​ 839 Municipal bonds 115 ​ 95,185 ​ 22,762 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 150 ​ 163,211 ​ 33,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 203 ​ $ 216,873 ​ $ 37,504 ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ 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 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 ​ ​ (3 – continued) 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 concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. The total available for sale debt securities in loss positions at September 30, 2023, which consisted of U.S. Treasury notes, agency mortgage-backed securities, agency CMOs, privately-issued CMOs, privately-issued ABSs, SBA certificates, municipal bonds, and other securities represented 95% and 87% of total available for sale investments at September 30, 2023 and 2022, respectively. All of the municipal securities are issued by municipal governments and are generally secured by first mortgage loans and municipal project revenues. The Company evaluates the existence of a potential credit loss component related to the decline in fair value of the privately-issued CMO and ABS portfolios each quarter using an independent third party analysis. At September 30, 2023, the Company held seven privately-issued CMO and ABS securities acquired in a 2009 bank acquisition with an aggregate amortized cost of $289,000 and aggregate fair value of $291,000 that have been downgraded to a substandard regulatory classification due to a downgrade of the security’s credit quality rating by various rating agencies. At September 30, 2023, two privately-issued CMOs and one privately-issued ABS were in a loss position and had depreciated approximately 5.31% from their carrying value. These securities were collateralized by residential mortgage loans, had a total fair value of $587,000 and a total unrealized loss of $33,000 at September 30, 2023. Based on the independent third party analysis of the expected cash flows, management has determined that the declines in fair value for these securities are temporary and, as a result, no other-than-temporary impairment is required to be recognized. While the Company does not anticipate additional credit-related impairment losses at September 30, 2023, additional deterioration in market and economic conditions may have an adverse impact on the credit quality in the future and therefore, require additional credit-related impairment charges. The unrealized losses on U.S. treasury notes, U.S. government agency mortgage-backed securities and CMOs, SBA certificates, municipal bonds , and other securities, relate principally to current interest rates for similar types of securities. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government, its agencies, or other governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. As management has the ability to hold debt securities to maturity, or for the foreseeable future if classified as available for sale, no declines are deemed to be other-than-temporary. The following is a summary of the reported gross gains and losses on sales of available for sale securities and time deposits for the years ended September 30,2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Gross realized gains on sales ​ $ 341 ​ $ 488 ​ $ — Gross realized losses on sales ​ (892) ​ (12) ​ — Net realized gain (loss) on sales of available for sale securities ​ $ (551) ​ $ 476 ​ $ — ​ ​ (3 – continued) Certain available for sale debt securities were pledged to secure FHLB borrowings at September 30, 2023 and 2022, and may be pledged to secure federal funds borrowings (see Notes 9 and 10). At September 30, 2023 and 2022, there were no holdings of securities of any one issuer, other than the U.S government and its agencies, with an aggregate book value greater than 10% of the Company’s consolidated stockholders’ equity.

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Sep. 30, 2023
LOANS AND ALLOWANCE FOR LOAN LOSSES
LOANS AND ALLOWANCE FOR LOAN LOSSES	(4) Loans at September 30,2023 and 2022 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Real estate mortgage: ​ ​ Residential ​ $ 528,410 ​ $ 368,211 Commercial ​ 187,232 ​ 169,861 Single tenant net lease ​ ​ 757,388 ​ ​ 674,567 SBA commercial (1) ​ ​ 47,078 ​ ​ 59,379 Multifamily ​ 34,892 ​ 32,411 Residential construction ​ 24,924 ​ 18,261 Commercial construction ​ 14,588 ​ 5,938 Land and land development ​ 17,234 ​ 11,880 Commercial business ​ 117,594 ​ 90,010 SBA commercial business (1) ​ ​ 16,939 ​ ​ 20,282 Consumer ​ ​ 39,915 ​ ​ 38,052 Total loans ​ 1,786,194 ​ 1,488,852 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net ​ 949 ​ 1,052 Allowance for loan losses ​ (16,900) ​ (15,360) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,770,243 ​ $ 1,474,544 ​ (1) Includes discounts on SBA loans of $3.3 million and $4.3 million at September 30, 2023 and 2022, respectively. At September 30, 2023 and 2022, the net unamortized premium on loans acquired from other financial institutions was $253,000 and $261,000, respectively. The Company has entered into loan transactions with certain directors, officers and their affiliates (related parties). In the opinion of management, such indebtedness was incurred in the ordinary course of business on substantially the same terms as those prevailing at the time for comparable transactions with other persons and does not involve more than normal risk of collectability or present other unfavorable features. ​ (4 – continued) The following is a summary of activity for related party loans for the years ended September 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Beginning balance ​ $ 7,656 ​ $ 5,975 New loans and advances ​ — ​ 5,022 Repayments ​ (205) ​ (2,531) Loans sold ​ ​ — ​ ​ (191) Reclassifications due to officer and director changes ​ (5,973) ​ (619) ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 1,478 ​ $ 7,656 ​ Off-balance-sheet commitments (including commitments to make loans, unused lines of credit and letters of credit) to related parties at September 30,2023 and 2022 were $755,000 and $2.8 million, respectively. The following tables provide the components of loans as of September 30,2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for ​ Evaluated for ​ ​ Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ ​ Residential real estate ​ $ 3,312 ​ $ 525,098 ​ $ 528,410 Commercial real estate ​ ​ 868 ​ ​ 186,364 ​ ​ 187,232 Single tenant net lease ​ ​ — ​ ​ 757,388 ​ ​ 757,388 SBA commercial real estate ​ ​ 7,415 ​ ​ 39,663 ​ ​ 47,078 Multifamily ​ ​ 318 ​ ​ 34,574 ​ ​ 34,892 Residential construction ​ ​ — ​ ​ 24,924 ​ ​ 24,924 Commercial construction ​ ​ — ​ ​ 14,588 ​ ​ 14,588 Land and land development ​ ​ — ​ ​ 17,234 ​ ​ 17,234 Commercial business ​ ​ 1,946 ​ ​ 115,648 ​ ​ 117,594 SBA commercial business ​ ​ 1,122 ​ ​ 15,817 ​ ​ 16,939 Consumer ​ ​ 233 ​ ​ 39,682 ​ ​ 39,915 ​ ​ $ 15,214 ​ $ 1,770,980 ​ $ 1,786,194 ​ (4 – continued) 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 ​ ​ (4 – continued) The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ 74 $ 4,567 $ 4,641 Commercial real estate ​ ​ 2 ​ ​ 1,775 ​ ​ 1,777 Single tenant net lease ​ ​ — ​ ​ 3,810 ​ ​ 3,810 SBA commercial real estate ​ — ​ 1,922 ​ 1,922 Multifamily ​ ​ — ​ ​ 268 ​ ​ 268 Residential construction ​ ​ — ​ ​ 434 ​ ​ 434 Commercial construction ​ ​ — ​ ​ 282 ​ ​ 282 Land and land development ​ ​ — ​ ​ 307 ​ ​ 307 Commercial business ​ ​ 111 ​ ​ 1,603 ​ ​ 1,714 SBA commercial business ​ ​ 187 ​ ​ 1,060 ​ ​ 1,247 Consumer ​ ​ 189 ​ ​ 309 ​ ​ 498 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 563 ​ $ 16,337 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ ​ (4 – continued) The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2023, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2023: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ 1,980 ​ $ (71) ​ $ 16 ​ $ 4,641 Commercial real estate ​ 1,590 ​ 187 ​ — ​ — ​ 1,777 Single tenant net lease ​ ​ 3,838 ​ ​ (28) ​ ​ — ​ ​ — ​ ​ 3,810 SBA commercial real estate ​ ​ 2,578 ​ ​ (302) ​ ​ (357) ​ ​ 3 ​ ​ 1,922 Multifamily ​ ​ 251 ​ ​ 17 ​ ​ — ​ ​ — ​ ​ 268 Residential construction ​ ​ 305 ​ ​ 129 ​ ​ — ​ ​ — ​ ​ 434 Commercial construction ​ ​ 107 ​ ​ 175 ​ ​ — ​ ​ — ​ ​ 282 Land and land development ​ ​ 212 ​ ​ 95 ​ ​ — ​ ​ — ​ ​ 307 Commercial business ​ ​ 1,193 ​ ​ 452 ​ ​ — ​ ​ 69 ​ ​ 1,714 SBA commercial business ​ 2,122 ​ (357) ​ (569) ​ 51 ​ 1,247 Consumer ​ 448 ​ 264 ​ (250) ​ 36 ​ 498 ​ ​ $ 15,360 ​ $ 2,612 ​ $ (1,247) ​ $ 175 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ 2,806 ​ (1,216) ​ — ​ — ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ 1,346 ​ 1,413 ​ (698) ​ 61 ​ 2,122 Consumer ​ 523 ​ 61 ​ (175) ​ 39 ​ 448 ​ ​ $ 14,301 ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​ ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Provisions ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Ending Balance ​ ​ (In thousands) 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,255 ​ $ 170 ​ $ (11) ​ $ 24 ​ $ 1,438 Commercial real estate ​ ​ 3,058 ​ ​ (252) ​ ​ — ​ ​ — ​ ​ 2,806 Single tenant net lease ​ ​ 3,017 ​ ​ (595) ​ ​ — ​ ​ — ​ ​ 2,422 SBA commercial real estate ​ ​ 4,154 ​ ​ 234 ​ ​ (936) ​ ​ 23 ​ ​ 3,475 Multifamily ​ ​ 772 ​ ​ (254) ​ ​ — ​ ​ — ​ ​ 518 Residential construction ​ ​ 243 ​ ​ (52) ​ ​ — ​ ​ — ​ ​ 191 Commercial construction ​ ​ 181 ​ ​ (118) ​ ​ — ​ ​ — ​ ​ 63 Land and land development ​ ​ 243 ​ ​ (8) ​ ​ — ​ ​ — ​ ​ 235 Commercial business ​ ​ 1,449 ​ ​ (170) ​ ​ — ​ ​ 5 ​ ​ 1,284 SBA commercial business ​ ​ 1,539 ​ ​ (211) ​ ​ (21) ​ ​ 39 ​ ​ 1,346 Consumer ​ ​ 1,115 ​ ​ (511) ​ ​ (156) ​ ​ 75 ​ ​ 523 ​ ​ $ 17,026 ​ $ (1,767) ​ $ (1,124) ​ $ 166 ​ $ 14,301 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2023. Interest income recognized approximates cash paid for interest for the year ended September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,989 ​ $ 2,139 ​ $ — ​ $ 2,822 ​ $ 52 Commercial real estate ​ 551 ​ 627 ​ — ​ 886 ​ 23 Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ 9,397 ​ ​ — ​ ​ 7,484 ​ ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — ​ ​ 371 ​ ​ 15 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 870 ​ 972 ​ — ​ 925 ​ 37 SBA commercial business ​ 684 ​ 1,799 ​ — ​ 839 ​ — Consumer ​ 44 ​ 58 ​ — ​ 61 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 11,871 ​ $ 15,354 ​ $ — ​ $ 13,388 ​ $ 127 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,323 ​ $ 1,328 ​ $ 74 ​ $ 365 ​ $ — Commercial real estate ​ 317 ​ 317 ​ 2 ​ 63 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,146 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,076 ​ 1,165 ​ 111 ​ 296 ​ — SBA commercial business ​ 438 ​ 637 ​ 187 ​ 1,049 ​ — Consumer ​ 189 ​ 189 ​ 189 ​ 190 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,343 ​ $ 3,636 ​ $ 563 ​ $ 3,109 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,312 ​ $ 3,467 ​ $ 74 ​ $ 3,187 ​ $ 52 Commercial real estate ​ 868 ​ 945 ​ 2 ​ 949 ​ 23 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ 9,397 ​ ​ — ​ ​ 8,630 ​ ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — ​ ​ 371 ​ ​ 15 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,946 ​ 2,137 ​ 111 ​ 1,221 ​ 37 SBA commercial business ​ 1,122 ​ 2,436 ​ 187 ​ 1,888 ​ — Consumer ​ 233 ​ 247 ​ 189 ​ 251 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 15,214 ​ $ 18,990 ​ $ 563 ​ $ 16,497 ​ $ 127 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2022. Interest income recognized approximates cash paid for interest for the year ended September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — ​ $ 2,978 ​ $ 45 Commercial real estate ​ ​ 908 ​ ​ 982 ​ ​ — ​ ​ 1,038 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 5,197 ​ ​ 5,952 ​ ​ — ​ ​ 7,235 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 998 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 182 ​ 532 ​ — ​ 412 ​ — Consumer ​ 93 ​ 81 ​ — ​ 91 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 9,976 ​ $ 11,658 ​ $ — ​ $ 13,487 ​ $ 92 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ 206 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,385 ​ ​ 2,919 ​ ​ 290 ​ ​ 2,213 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ — ​ — SBA commercial business ​ 895 ​ 1,349 ​ 674 ​ 802 ​ — Consumer ​ 145 ​ 145 ​ — ​ 146 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,425 ​ $ 4,413 ​ $ 964 ​ $ 3,367 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — ​ $ 3,184 ​ $ 45 Commercial real estate ​ ​ 908 ​ ​ 982 ​ ​ — ​ ​ 1,038 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,582 ​ ​ 8,871 ​ ​ 290 ​ ​ 9,448 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 998 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 1,077 ​ 1,881 ​ 674 ​ 1,214 ​ — Consumer ​ 238 ​ 226 ​ — ​ 237 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,401 ​ $ 16,071 ​ $ 964 ​ $ 16,854 ​ $ 92 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2021. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,003 ​ $ 3,551 ​ $ — ​ $ 4,383 ​ $ 68 Commercial real estate ​ 1,021 ​ ​ 1,092 ​ ​ — ​ ​ 1,148 ​ ​ 29 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 8,282 ​ ​ 8,873 ​ ​ — ​ ​ 4,738 ​ ​ — Multifamily ​ ​ 482 ​ ​ 539 ​ ​ — ​ ​ 638 ​ ​ — Residential construction ​ ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 1 ​ — Commercial business ​ 1,476 ​ 1,559 ​ — ​ 1,664 ​ 3 SBA commercial business ​ 1,275 ​ 1,534 ​ — ​ 820 ​ — Consumer ​ 104 ​ 97 ​ — ​ 90 ​ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 15,643 ​ $ 17,245 ​ $ — ​ $ 13,482 ​ $ 102 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 64 ​ $ 65 ​ $ — ​ $ 108 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 871 ​ ​ 1,394 ​ ​ 114 ​ ​ 3,389 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ 1 ​ — SBA commercial business ​ 21 ​ 21 ​ 18 ​ 248 ​ — Consumer ​ 144 ​ 144 ​ 1 ​ 169 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,100 ​ $ 1,624 ​ $ 133 ​ $ 3,915 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,067 ​ $ 3,616 ​ $ — ​ $ 4,491 ​ $ 68 Commercial real estate ​ 1,021 ​ ​ 1,092 ​ ​ — ​ ​ 1,148 ​ ​ 29 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 9,153 ​ ​ 10,267 ​ ​ 114 ​ ​ 8,127 ​ ​ — Multifamily ​ ​ 482 ​ ​ 539 ​ ​ — ​ ​ 638 ​ ​ — Residential construction ​ ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 1 ​ — Commercial business ​ 1,476 ​ 1,559 ​ — ​ 1,665 ​ 3 SBA commercial business ​ 1,296 ​ 1,555 ​ 18 ​ 1,068 ​ — Consumer ​ 248 ​ 241 ​ 1 ​ 259 ​ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 16,743 ​ $ 18,869 ​ $ 133 ​ $ 17,397 ​ $ 102 ​ ​ (4 – continued) Nonperforming loans consist of nonaccrual loans and loans over 90 days past due and still accruing interest. The following table presents the recorded investment in nonperforming loans at September 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 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 ​ $ 2,426 ​ $ — ​ $ 2,426 ​ $ 1,213 ​ $ — ​ $ 1,213 Commercial real estate ​ 511 ​ — ​ 511 ​ 516 ​ — ​ 516 Single tenant net lease ​ — ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ — ​ ​ 7,415 ​ ​ 7,725 ​ ​ — ​ ​ 7,725 Multifamily ​ ​ 318 ​ ​ — ​ ​ 318 ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,946 ​ — ​ 1,946 ​ 73 ​ — ​ 73 SBA commercial business ​ 1,099 ​ — ​ 1,099 ​ 1,091 ​ — ​ 1,091 Consumer ​ 233 ​ — ​ 233 ​ 238 ​ — ​ 238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 13,948 ​ $ — ​ $ 13,948 ​ $ 10,856 ​ $ — ​ $ 10,856 ​ The following table presents the aging of the recorded investment in past due loans at September 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 ​ $ 2,715 ​ $ 132 ​ $ 1,818 ​ $ 4,665 ​ $ 523,745 ​ $ 528,410 Commercial real estate ​ 23 ​ 62 ​ — ​ 85 ​ 187,147 ​ 187,232 Single tenant net lease ​ — ​ — ​ — ​ — ​ 757,388 ​ 757,388 SBA commercial real estate ​ ​ 764 ​ ​ — ​ ​ 3,877 ​ ​ 4,641 ​ ​ 42,437 ​ ​ 47,078 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 34,892 ​ ​ 34,892 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 24,924 ​ ​ 24,924 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,588 ​ ​ 14,588 Land and land development ​ 40 ​ — ​ — ​ 40 ​ 17,194 ​ 17,234 Commercial business ​ 112 ​ — ​ 86 ​ 198 ​ 117,396 ​ 117,594 SBA commercial business ​ 130 ​ — ​ 682 ​ 812 ​ 16,127 ​ 16,939 Consumer ​ 137 ​ 5 ​ 36 ​ 178 ​ 39,737 ​ 39,915 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,921 ​ $ 199 ​ $ 6,499 ​ $ 10,619 ​ $ 1,775,575 ​ $ 1,786,194 ​ ​ (4 – continued) The following table presents the aging of the recorded investment in past due loans at September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) Residential real estate ​ $ 1,169 ​ $ 53 ​ $ 204 ​ $ 1,426 ​ $ 366,785 ​ $ 368,211 Commercial real estate ​ — ​ — ​ 516 ​ 516 ​ 169,345 ​ 169,861 Single tenant net lease ​ — ​ — ​ — ​ — ​ 674,567 ​ 674,567 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 3,370 ​ ​ 3,370 ​ ​ 56,009 ​ ​ 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 ​ 231 ​ — ​ 237 ​ 468 ​ 19,814 ​ 20,282 Consumer ​ 95 ​ — ​ 58 ​ 153 ​ 37,899 ​ 38,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,495 ​ $ 53 ​ $ 4,458 ​ $ 6,006 ​ $ 1,482,846 ​ $ 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 trends, among other factors. The Company classifies loans based on credit risk at least quarterly. The Company uses the following regulatory definitions for risk ratings: Special Mention: Substandard: Doubtful: Loss: ​ (4 – continued) Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. The following table presents the recorded investment in loans by risk category as of September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ September 30, 2023: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 525,735 ​ $ — ​ $ 2,653 ​ $ 22 ​ $ — ​ $ 528,410 Commercial real estate ​ 186,520 ​ — ​ 712 ​ — ​ — ​ 187,232 Single tenant net lease ​ ​ 757,388 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 757,388 SBA commercial real estate ​ ​ 39,092 ​ ​ 278 ​ ​ 6,083 ​ ​ 1,625 ​ ​ — ​ ​ 47,078 Multifamily ​ ​ 34,574 ​ ​ — ​ ​ 318 ​ ​ — ​ ​ — ​ ​ 34,892 Residential construction ​ ​ 24,924 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 24,924 Commercial construction ​ ​ 14,588 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,588 Land and land development ​ ​ 17,234 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 17,234 Commercial business ​ 115,647 ​ 40 ​ 1,907 ​ — ​ — ​ 117,594 SBA commercial business ​ 14,572 ​ — ​ 2,327 ​ 40 ​ — ​ 16,939 Consumer ​ 39,871 ​ — ​ 44 ​ — ​ — ​ 39,915 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,770,145 ​ $ 318 ​ $ 14,044 ​ $ 1,687 ​ $ — ​ $ 1,786,194 ​ The following table presents the recorded investment in loans by risk category as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 366,540 ​ $ — ​ $ 1,501 ​ $ 170 ​ $ — ​ $ 368,211 Commercial real estate ​ 169,134 ​ — ​ 727 ​ — ​ — ​ 169,861 Single tenant net lease ​ 674,567 ​ — ​ — ​ — ​ — ​ 674,567 SBA commercial real estate ​ 49,459 ​ 1,143 ​ 7,112 ​ 1,665 ​ — ​ 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 ​ 17,202 ​ 284 ​ 2,755 ​ 41 ​ — ​ 20,282 Consumer ​ 37,959 ​ — ​ 93 ​ — ​ — ​ 38,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,473,026 ​ $ 1,677 ​ $ 12,273 ​ $ 1,876 ​ $ — ​ $ 1,488,852 ​ ​ (4 – continued) Troubled Debt Restructurings The following table summarizes information in regard to TDRs that were restructured during the years ended September 30, 2023, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pre- Post- ​ ​ ​ ​ Modification ​ Modification ​ ​ Number of ​ Principal ​ Principal ​ ​ Loans ​ Balance ​ Balance ​ ​ ​ ​ (Dollars in thousands) September 30, 2023: ​ ​ Residential real estate 1 ​ $ 31 ​ $ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 31 ​ $ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ SBA commercial business 1 ​ $ 397 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 397 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ Commercial business ​ 1 ​ ​ 126 ​ ​ 126 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 126 ​ $ 126 ​ At September 30, 2023, the Company had no commitments to lend to customers with outstanding loans classified as TDRs. At September 30, 2022, the Company had committed to lend $1,000 to customers with outstanding loans classified as TDRs. For the TDRs listed above, the terms of modification included temporary interest-only payment periods, reduction of the stated interest rate, extension of the maturity date, deferral of the contractual principal and interest payments, and the renewal of matured loans where the debtor was unable to access funds elsewhere at a market interest rate for debt with similar risk characteristics. There were principal charge-offs totaling $6,000 and $457,000 recorded as a result of TDRs during the years ended September 30, 2023 and 2021, respectively. There were no principal charge-offs recorded as a result of TDRs during the year ended September 30, 2022. Provisions for loan losses related to TDRs totaled $122,000 and $161,000 for the years ended September 30, 2023 and 2022, respectively. There were no provisions for loan losses related to TDRs for the year ended September 30, 2021. In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses may be increased or charge-offs may be taken to reduce the carrying amount of the loan. During the years ended September 30, 2023, 2022 and 2021, the Company did not have any TDRs that were modified within the previous twelve months for which there was a payment default (defined as more than 90 days past due or in the process of foreclosure). ​ (4 – continued) SBA Loan Servicing Rights The Company originates loans to commercial customers under the SBA 7(a) and other programs, and sells the guaranteed portion of the SBA loans with servicing retained. Loan servicing rights on originated SBA loans that have been sold are initially recorded at fair value. Capitalized SBA servicing rights are then amortized in proportion to and over the period of estimated net servicing income. Impairment of SBA servicing rights is assessed using the present value of estimated future cash flows. The aggregate fair value of SBA loan servicing rights at September 30, 2023 and 2022 approximated its carrying value. A valuation model employed by an independent third party calculates the present value of future cash flows and is used to estimate fair value at the date of sale and on a quarterly basis for impairment analysis purposes. Management periodically compares the valuation model inputs and results to published industry data in order to validate the model results and assumptions. Key assumptions used to estimate the fair value of the SBA loan servicing rights at September 30, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2023 2022 Discount rate 10.25% to 25.00% (13.79%) 6.90% to 25.00% (12.71%) Prepayment rate 8.60% to 32.85% (16.91%) 7.08% to 29.26% (15.27%) ​ For purposes of impairment, risk characteristics such as interest rate, loan type, term and investor type are used to stratify the SBA loan servicing rights. Impairment is recognized through a valuation allowance to the extent that fair value is less than the carrying amount. Changes in the valuation allowance are reported in other noninterest income in the consolidated statements of income. The unpaid principal balance of SBA loans serviced for others was $209.6 million, $238.9 million and $244.8 million at September 30, 2023, 2022 and 2021, respectively. An analysis of loan servicing fees on SBA loans for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Late fees and ancillary fees earned ​ $ 69 ​ $ 93 ​ $ 88 Net servicing income ​ 2,114 ​ 2,425 ​ 2,171 SBA net servicing fees ​ $ 2,183 ​ $ 2,518 ​ $ 2,259 ​ ​ (4 – continued) Contractually specified late fees and ancillary fees earned on SBA loans are included in interest income on loans in the consolidated statements of income. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans are included in other noninterest income in the consolidated statements of income. An analysis of SBA loan servicing rights for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance as of October 1 $ 3,790 ​ $ 4,447 ​ $ 3,748 Servicing rights capitalized 768 ​ 846 ​ 1,980 Amortization (728) ​ (1,287) ​ (1,215) Direct write-offs (999) ​ (43) ​ (92) Change in valuation allowance 119 ​ (173) ​ 26 Balance as of September 30 $ 2,950 ​ $ 3,790 ​ $ 4,447 ​ An analysis of the valuation allowance related to SBA loan servicing rights for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Balance as of October 1 ​ $ 179 ​ $ 6 ​ $ 32 Additions (reductions) charged to earnings ​ 880 ​ 216 ​ 66 Write-downs charged against allowance ​ (999) ​ (43) ​ (92) Balance as of September 30 ​ $ 60 ​ $ 179 ​ $ 6 ​ 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 portfolio. A valuation model employed by an independent third party calculates the present value of future cash flows and is used to value the MSRs on a monthly basis. Management periodically compares the valuation model inputs and results to published industry data in order to validate the model results and assumptions. Key assumptions, which represent Level 3 fair value inputs, used to estimate the fair value of the MSRs at September 30, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2023 2022 Discount rate 9.44% to 14.50% (9.51%) ​ 9.50% to 14.50% (9.51%) Prepayment rate 5.00% to 85.82% (6.82%) ​ 6.01% to 74.89% (6.63%) ​ ​ (4 – continued) The unpaid principal balance of residential mortgage loans serviced for others was $4.77 billion, $4.88 billion and $4.64 billion at September 30, 2023, 2022 and 2021, respectively. Custodial escrow balances maintained in connection with the foregoing loan servicing and other liabilities were $47.9 million and $46.0 million at September 30, 2023 and 2022, respectively. Contractually specified servicing fees (net of direct servicing expenses), late fees and other ancillary fees of $9.5 million, $9.0 million and $6.5 million are included in mortgage banking income in the consolidated statements of income for the years ended September 30, 2023, 2022 and 2021, respectively. Changes in the carrying value of MSRs accounted for at fair value for the years ended September 30, 2023, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2023 ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value as of October 1 ​ $ 63,263 ​ $ 49,579 ​ $ 21,703 Servicing rights capitalized ​ ​ 2,354 ​ ​ 11,161 ​ ​ 36,679 Changes in fair value related to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (4,237) ​ ​ (7,539) ​ ​ (9,555) Changes in valuation model inputs or assumptions ​ ​ (1,612) ​ ​ 10,062 ​ ​ 752 Fair value as of September 30 ​ $ 59,768 ​ $ 63,263 ​ $ 49,579 ​ At September 30, 2023, the Company had a contract to sell the residential MSRs noted above. For the year ended September 30, 2023, the fair value of the residential MSRs was written down by $903,000 relating to the routine valuation adjustment and an additional $709,000 based on contract sale price. As discussed in Note 28, subsequent to September 30, 2023, the sale of the residential MSRs took place in November 2023. ​ Nonresidential MSRs Beginning in 2022, the Company also periodically sells single tenant net lease loans with servicing rights retained. Loan servicing rights on these nonresidential mortgage loans are initially recorded at fair value and are then amortized in proportion to and over the period of estimated net servicing income. Impairment of nonresidential MSRs is assessed using the present value of estimated future cash flows. The aggregate fair value of nonresidential MSRs approximates its carrying value. A valuation model employed by management calculates the present value of future cash flows and is used to estimate fair value at the date of sale and on a quarterly basis for impairment analysis purposes. Management periodically compares the valuation model inputs and results to published industry data in order to validate the model results and assumptions. Key assumptions used to estimate the fair value of the nonresidential MSRs include the discount rate and prepayment speed assumptions. Impairment is recognized through a valuation allowance to the extent that fair value is less than the carrying amount. Changes in the valuation allowance are re

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Sep. 30, 2023
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	(5) Premises and equipment consisted of the following at September 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Land and land improvements ​ $ 5,375 ​ $ 5,328 Office buildings ​ 25,337 ​ 23,942 Leasehold improvements ​ 66 ​ 66 Furniture, fixtures and equipment ​ ​ 10,442 ​ ​ 9,187 Construction in progress ​ 671 ​ 749 ​ ​ $ 41,891 ​ $ 39,272 Less: accumulated depreciation ​ (14,030) ​ (12,172) ​ ​ ​ ​ ​ ​ ​ Totals ​ $ 27,861 ​ $ 27,100 ​ Depreciation expense recognized for premises and equipment for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Depreciation expense ​ $ 2,108 ​ $ 2,125 ​ $ 2,023 ​

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Sep. 30, 2023
OTHER REAL ESTATE OWNED
OTHER REAL ESTATE OWNED	(6) Other real estate owned (“OREO”) asset activity was as follows for the years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Balance as of October 1 ​ $ 203 ​ $ 1,728 ​ $ 1,728 Transfers from loans to other real estate owned ​ 474 ​ — ​ 426 Transfers from OREO to premises and equipment ​ — ​ (721) ​ — Sales ​ — ​ (804) ​ (426) Balance as of September 30 ​ $ 677 ​ $ 203 ​ $ 1,728 ​ At September 30, 2023, 2022 and 2021, OREO did not include any residential real estate properties where physical possession has been obtained. The recorded investment in consumer mortgage loans secured by residential real estate properties where formal foreclosure proceedings are in process at September 30, 2023 and 2022 was $539,000 and $204,000, respectively. Net (gain) loss on OREO for the years ended September 30, 2023, 2022 and 2021 was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Net (gain)/loss on sales ​ $ — ​ $ 115 ​ $ (74) Operating expenses, net of rental income ​ 4 ​ — ​ 10 ​ ​ $ 4 ​ $ 115 ​ $ (64) ​

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	12 Months Ended
	Sep. 30, 2023
GOODWILL AND OTHER INTANGIBLES
GOODWILL AND OTHER INTANGIBLES	(7) Goodwill and the core deposit intangibles acquired in the acquisitions of Community First Bank (“Community First”) on September 30, 2009, the First Federal Savings Bank of Elizabethtown, Inc. (“First Federal”) branches on July 6, 2012, and Dearmin Bancorp, Inc. (“Dearmin”) and its majority owned subsidiary, The First National Bank of Odon (“FNBO”), on February 9, 2018, are evaluated for impairment at least annually or more frequently upon the occurrence of an event or when circumstances indicate that the carrying amount is greater than its fair value. No impairment of goodwill or the core deposit intangibles was recognized during 2023, 2022, or 2021. The changes in the carrying amount of goodwill for the years ended September 30, 2023, 2022 and 2021 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Beginning balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 Impairment ​ — ​ — ​ — Ending balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 ​ The following is a summary of other intangible assets subject to amortization: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Core deposit intangible acquired in Community First acquisition ​ $ 2,741 ​ $ 2,741 Core deposit intangible acquired in First Federal branch acquisition ​ 566 ​ 566 Core deposit intangible acquired in Dearmin/FNBO acquisition ​ 1,487 ​ 1,487 Less accumulated amortization ​ (4,233) ​ (4,019) Ending balance ​ $ 561 ​ $ 775 ​ ​ (7 – continued) Amortization expense on intangibles for the years ended September 30, 2023, 2022 and 2021 is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Amortization expense ​ $ 214 ​ $ 214 ​ $ 214 ​ Estimated amortization expense for the core deposit intangibles for each of the ensuing five years and in the aggregate is as follows: ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2024 ​ $ 163 2025 ​ 163 2026 ​ 163 2027 ​ 72 Total ​ $ 561 ​

DEPOSITS

DEPOSITS	12 Months Ended
	Sep. 30, 2023
Deposits
Deposits	(8) Deposits at September 30, 2023 and 2022 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 242,237 ​ $ 340,172 NOW accounts ​ 336,446 ​ 343,296 Money market accounts ​ 323,739 ​ 238,219 Savings accounts ​ 170,073 ​ 171,779 Retail time deposits ​ 170,980 ​ 129,864 Brokered certificates of deposit ​ 438,319 ​ 292,504 ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,681,794 ​ $ 1,515,834 ​ The aggregate amount of time deposit accounts with balances that met or exceeded the Federal Deposit Insurance Corporation (“FDIC”) insurance limit of $250,000 was $57.8 million and $32.6 million at September 30, 2023 and 2022, respectively. At September 30, 2023, scheduled maturities of time deposits were as follows: ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2024 ​ $ 573,052 2025 ​ 18,072 2026 ​ 6,732 2027 ​ 4,354 2028 ​ ​ 7,089 Total ​ $ 609,299 ​ The Bank held deposits for related parties of $5.3 million and $15.3 million at September 30, 2023 and 2022, respectively.

FEDERAL FUNDS PURCHASED

FEDERAL FUNDS PURCHASED	12 Months Ended
	Sep. 30, 2023
FEDERAL FUNDS PURCHASED
FEDERAL FUNDS PURCHASED	(9) The Bank has entered into a federal funds purchased line of credit facility with another financial institution that established a line of credit not to exceed the lesser of $20 million or 25% of the Bank’s equity capital, excluding reserves. Availability under the line of credit is subject to continued borrower eligibility and expires on June 30, 2024 The Bank has also entered into a separate federal funds purchased line of credit facility with another financial institution that established a discretionary line of credit not to exceed $22 million. The line of credit is intended to support short-term liquidity needs. At September 30, 2023 and 2022, the Bank had no outstanding federal funds purchased under the facility. The Bank has also entered into a separate federal funds purchased line of credit facility with another financial institution that established a discretionary line of credit not to exceed $15 million. The line of credit is intended to support short-term liquidity needs. At September 30, 2023 and 2022, the Bank had no outstanding federal funds purchased under the facility. The Bank has also entered into a separate federal funds purchased line of credit facility with another financial institution that established a discretionary line of credit not to exceed the lesser of $5 million or 50% of the Bank’s equity capital. The line of credit is intended to support short-term liquidity needs. At September 30, 2023 and 2022, the Bank had no outstanding federal funds purchased under the facility.

BORROWINGS FROM FEDERAL HOME LO

BORROWINGS FROM FEDERAL HOME LOAN BANK	12 Months Ended
	Sep. 30, 2023
BORROWINGS FROM FEDERAL HOME LOAN BANK
BORROWINGS FROM FEDERAL HOME LOAN BANK	(10) At September 30, 2023 and 2022 borrowings from the FHLB were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 ​ 2022 ​ Weighted ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ ​ Average ​ ​ ​ (Dollars in thousands) ​ Rate ​ Amount ​ Rate ​ Amount Advances maturing in: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 — % $ — 3.00 % $ 130,000 2024 5.51 ​ 40,000 — ​ — 2025 1.51 ​ 10,000 1.51 ​ 10,000 2026 1.13 ​ 20,000 1.13 ​ 20,000 2027 — ​ — — ​ — 2028 and beyond ​ 2.63 ​ ​ 285,000 ​ 1.27 ​ ​ 135,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total advances ​ ​ 355,000 ​ ​ 295,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Line of credit balance 5.66 ​ 8,183 3.45 ​ 12,303 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total borrowings from FHLB ​ $ 363,183 ​ $ 307,303 ​ The Bank entered into an Advances, Pledge and Security Agreement with the FHLB, allowing the Bank to initiate advances from the FHLB. The advances are secured under a blanket collateral agreement. At September 30, 2023, the eligible blanket collateral included residential mortgage loans with a carrying value of $179.4 million and commercial real estate loans with a carrying value of $813.6 million. Pledged (10 – continued) On January 21, 2022, the Bank entered into an Overdraft Line of Credit Agreement with the FHLB which established a line of credit not to exceed $25.0 million secured under the blanket collateral agreement. This agreement expires on January 21, 2024. At September 30, 2023, there was $8.2 million outstanding under this agreement. On June 19, 2014, the Bank entered into a Letter of Credit Agreement with the FHLB which established a letter of credit not to exceed $3.3 million secured under the blanket collateral agreement. The agreement had an initial expiration date of July 1, 2015 and is automatically extended for one additional year for successive one-year periods, not to extend beyond July 3, 2034. At September 30, 2023, the maximum amount available under the letter of credit was $2.1 million, and there was no outstanding balance under this agreement. On May 31, 2017, the Bank entered into a Letter of Credit Agreement with the FHLB which established a letter of credit not to exceed $2.2 million. The agreement had an initial expiration date of May 31, 2018 and is automatically extended for one additional year for successive one-year periods, not to extend beyond June 1, 2037. At September 30, 2023, the maximum amount available under the letter of credit was $1.9 million, and there was no outstanding balance under this agreement.

OTHER BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Sep. 30, 2023
OTHER BORROWINGS
OTHER BORROWINGS	(11) On September 20, 2018, the Company entered into a subordinated note purchase agreement in the principal amount of $20 million. The subordinated note initially bears a fixed interest rate of 6.02% per year through September 30, 2023, and thereafter a floating rate, reset quarterly, equal to the three-month Secured Overnight Financing Rate (“SOFR”) plus 310 basis points. All interest is payable quarterly and the subordinated note is scheduled to mature on September 30, 2028. The subordinated note is an unsecured subordinated obligation of the Company and may be repaid in whole or in part, without penalty, on or after September 30, 2023. The subordinated note is presented net of unamortized debt issuance costs of $68,000 at September 30, 2022, in the accompanying consolidated balance sheet. The debt issuance costs were amortized over five years, which represents the period from issuance to the first redemption date of September 30, 2023. The Company elected not to repay the subordinated note on the first optional redemption date of September 30, 2023, but has the right to repay the note without penalty upon providing adequate notice to the investors. The subordinated note is intended to qualify as Tier 2 capital for the Company under regulatory guidelines. However, following September 30, 2023, 20% of the remaining debt outstanding under this subordinated note agreement is disallowed from Tier 2 capital each year until maturity on September 30, 2028. On March 18, 2022, the Company entered into subordinated note purchase agreements in the aggregate principal amount of $31 million. The subordinated notes initially bear a fixed interest rate of 4.50% per year through March 30, 2027, and thereafter a floating rate, reset quarterly, equal to the three-month SOFR rate plus 276 basis points. All interest is payable semi-annually and the subordinated notes are scheduled to mature on March 30, 2032. The subordinated notes are unsecured subordinated obligations of the Company and may be repaid in whole or in part, without penalty, on or after March 30, 2027. The subordinated notes are intended to qualify as Tier 2 capital for the Company under regulatory guidelines. The subordinated notes are presented net of unamortized debt issuance costs of $556,000 and $715,000 at September 30, 2023 and September 30, 2022, respectively, in the accompanying consolidated balance sheet. The debt issuance costs are being amortized over five years, which represents the period from issuance to the first redemption date of March 30, 2027. During 2023, the Company repurchased $2.0 million of this subordinated note from an investor and recognized a pretax gain of $660,000 from the transaction. The remaining principal due on this subordinated note was $29 million at September 30, 2023. Repurchase provisions contained in certain participation agreements require the Company to account for certain loan sales as secured borrowings. As of September 30, 2022, the Company had a balance of $38.0 million in secured borrowings, which are included in other borrowings on the consolidated balance sheets. The secured borrowings had a weighted average interest rate of 4.02% at September 30, 2022 and are secured by the underlying participation interests. There were no such secured borrowings as of September 30, 2023. ​

DEFERRED COMPENSATION PLANS

DEFERRED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2023
DEFERRED COMPENSATION PLANS
DEFERRED COMPENSATION PLANS	(12) The Company has a directors’ deferred compensation plan whereby a director, at his or her election on an annual basis, may defer all or a portion of the director fees into an account with the Company. The Company accrues interest on the deferred obligation at an annual rate equal to the prime rate for the immediately preceding calendar quarter plus 2%, but in no event at a rate in excess of 8%. The deferral period extends until separation from service by the director. The benefits under the plan are payable in a lump sum or in monthly installments over a period of up to ten years following the separation from service; however, the agreements provide for payment of benefits in the event of disability, early retirement, termination of service or death. The balance of the accrued benefit for the director plan was $1.6 million and $1.5 million at September 30, 2023 and 2022, respectively. Deferred directors’ fees expense for the years ended September 30, 2023, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Deferred directors’ fee expense ​ $ 241 ​ $ 202 ​ $ 166 ​

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Sep. 30, 2023
BENEFIT PLANS
BENEFIT PLANS	(13) Defined Contribution Plan: The Company has a qualified contributory defined contribution plan available to all eligible employees. The plan allows participating employees to make tax-deferred contributions under Internal Revenue Code Section 401(k). Company contributions to the plan for the years ended September 30, 2023, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Company contributions to the plan ​ $ 1,216 ​ $ 1,366 ​ $ 1,633 ​ Employee Stock Ownership Plan: On October 6, 2008, the Company established a leveraged ESOP covering substantially all employees. The ESOP trust acquired 610,089 shares of Company common stock at a cost of $3.33 per share (both as adjusted for the three There was no compensation expense recognized for the years ended September 30, 2023, 2022 and 2021. The employer loan was fully repaid in December 2015 and all shares of Company stock were allocated to participant accounts as of September 30, 2016. The ESOP trust held 293,695 and 306,202 shares of Company common stock allocated to participant accounts at September 30, 2023 and 2022, respectively. The aggregate fair value of shares allocated to ESOP participants was $4.3 million and $7.0 million at September 30, 2023 and 2022, respectively.

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2023
STOCK-BASED COMPENSATION PLANS
STOCK-BASED COMPENSATION PLANS	(14) The Company maintains three equity incentive plans under which stock options and restricted stock have or can be granted, the 2010 Equity Incentive Plan (“2010 Plan”) approved by the Company’s shareholders in February 2010, the 2016 Equity Incentive Plan (“2016 Plan”) approved by the Company’s shareholders in February 2016 and the 2021 Equity Incentive Plan (“2021 Plan”) approved by the Company’s shareholders in February 2021. The aggregate number of shares of the Company’s common stock available for issuance under the 2016 Plan may not exceed 264,000 shares, consisting of 198,000 stock options and 66,000 shares of restricted stock. The aggregate number of shares of the Company’s common stock available for issuance under the 2021 Plan may not exceed 356,058 shares, consisting of 267,043 stock options and 89,015 shares of restricted stock. At September 30, 2023, there were no remaining shares of the Company’s common stock available for issuance under the 2010 Plan. At September 30, 2023, 4,560 shares of the Company’s common stock were available for issuance under the 2016 Plan, including 1,500 shares available for restricted stock and 3,060 shares available for stock options. At September 30, 2023, 93,058 shares of the Company’s common stock were available for issuance under the 2021 Plan, including 23,265 shares available for restricted stock and 69,793 shares available for stock options. In November 2022, the Company granted 66,000 stock options and 22,000 restricted shares to directors, officers and key employees which will vest over a one-year or five-year period. The Company generally issues new shares under the 2016 Plan and 2021 Plan from its authorized but unissued shares. The Company accounts for any forfeitures as they occur, and any previously recognized compensation cost for an award is reversed in the period the award is forfeited. Stock based compensation expense related to stock options and restricted stock for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Stock option expense ​ $ 302 ​ $ 296 ​ $ 92 Restricted stock expense ​ 396 ​ 391 ​ 184 ​ Stock Options: Under the plans, the Company may grant both non-statutory and incentive stock options that may not have a term exceeding ten years. In the case of incentive stock options, the aggregate fair value (determined at the time the incentive stock options are granted) which are first exercisable during any calendar year shall not exceed $100,000. Exercise prices generally may not be less than the fair market value of the underlying stock at the date of the grant. The terms of the plans also include provisions whereby all unearned options and restricted shares become immediately exercisable and fully vested upon a change in control. Stock options granted generally vest ratably over one (14 – continued) The fair value of options granted during the year ended September 30, 2023 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 2.93 % Risk-free interest rate ​ 3.94 % Expected volatility ​ 27.7 % Expected life of options ​ 6.8 years ​ Weighted average fair value at grant date ​ $ 5.71 ​ ​ The fair value of options granted during the year ended September 30, 2022 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 2.32 % Risk-free interest rate ​ 1.55 % Expected volatility ​ 27.0 % Expected life of options ​ 7.1 years ​ Weighted average fair value at grant date ​ $ 7.03 ​ ​ The fair value of options granted during the year ended September 30, 2021 was determined using the following assumptions: ​ ​ ​ ​ ​ ​ Expected dividend yield ​ 1.75 % Risk-free interest rate ​ 2.13 % Expected volatility ​ 14.6 % Expected life of options ​ 7.5 years ​ Weighted average fair value at grant date ​ $ 6.13 ​ ​ A summary of stock option activity as of September 30, 2023, and changes during the year then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ Weighted ​ Average ​ ​ ​ ​ ​ ​ ​ Average ​ Remaining ​ Aggregate ​ ​ Number of ​ Exercise ​ Contractual ​ Intrinsic ​ ​ Shares ​ Price ​ Term (Years) ​ Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Outstanding at beginning of year 351,369 ​ $ 20.57 ​ Granted 66,000 ​ 22.49 ​ Exercised (1,200) ​ 13.36 ​ Forfeited or expired (7,500) ​ 26.72 ​ Outstanding at end of year 408,669 ​ $ 20.79 6.3 ​ $ 174,000 Vested and expected to vest 408,669 ​ $ 20.79 6.3 ​ $ 174,000 Exercisable at end of year 224,010 ​ $ 17.80 4.6 ​ $ 174,000 ​ The intrinsic value of stock options exercised during the years ended September 30, 2023, 2022 and 2021 was $5,000, $31,000 and $50,000, respectively. At September 30, 2023, there was $809,000 of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 3.42 years. Cash received from the exercise of stock options was $16,000 and $27,000 for the years ended September 30, 2023 and 2021, respectively. There was no cash received from the exercise of stock options for the year ended September 30, 2022. The tax benefit from the exercise of stock options was $1,000, $8,000 and $10,000 for the years ended September 30, 2023, 2022 and 2021, respectively. (14 – continued) Restricted Stock: The vesting period of restricted stock granted under the plans is generally one A summary of the Company’s nonvested restricted shares activity as of September 30, 2023 and changes during the year 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 September 30, 2023 54,916 ​ $ 24.73 ​ There were 16,408, 12,225 and 13,125 restricted shares vested during the years ended September 30, 2023, 2022 and 2021, respectively. The total fair value of restricted shares that vested during the years ended September 30, 2023, 2022 and 2021 was $369,000, $327,000 and $277,000, respectively. At September 30, 2023, there was $1.0 million of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 3.45 years.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Sep. 30, 2023
INCOME TAXES
INCOME TAXES	(15) The Company and its subsidiaries file consolidated income tax returns. The components of consolidated income tax expense were as follows for the years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Current ​ $ 726 ​ $ 256 ​ $ 2,166 Valuation allowance ​ 109 ​ (78) ​ (34) Deferred ​ (825) ​ 1,745 ​ 7,865 Income tax expense ​ $ 10 ​ $ 1,923 ​ $ 9,997 ​ The reconciliation of income tax expense with the amount which would have been provided at the federal statutory rate of 21% for the years ended September 30, 2023, 2022 and 2021 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Provision at federal statutory rate ​ $ 1,718 ​ $ 3,635 ​ $ 8,308 State income tax-net of federal tax benefit ​ 119 ​ 160 ​ 901 Tax-exempt interest income ​ (1,684) ​ (1,314) ​ (1,045) Bank owned life insurance ​ (227) ​ (209) ​ (194) Captive insurance net premiums ​ 83 ​ (375) ​ (303) Increase (decrease) in federal deferred tax valuation allowance ​ 109 ​ (78) ​ (20) Nondeductible officer compensation ​ — ​ — ​ 2,238 Nondeductible expenses ​ ​ 179 ​ ​ 99 ​ ​ — Tax credits ​ ​ (352) ​ ​ — ​ ​ — Other ​ 65 ​ 5 ​ 112 Income tax expense ​ $ 10 ​ $ 1,923 ​ $ 9,997 ​ (15 – continued) Significant components of deferred tax assets and liabilities at September 30, 2023 and 2022 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 ​ ​ ​ ​ ​ ​ Deferred tax assets: ​ ​ Allowance for loan losses ​ $ 4,150 ​ $ 3,719 Operating lease liability ​ 1,068 ​ 1,100 Deferred compensation plans ​ 386 ​ 354 Equity incentive plans ​ 127 ​ 117 Other-than-temporary impairment loss on available for sale securities ​ 15 ​ 17 Interest on nonaccrual loans ​ 253 ​ 165 Loss on tax credit investments ​ 244 ​ 1,638 Unrealized loss on securities available for sale ​ 7,882 ​ 7,198 Net operating loss carryforwards ​ — ​ 1,072 Tax credit carryforwards ​ ​ 2,407 ​ ​ — Capital loss carryforwards ​ ​ 1,679 ​ ​ — Mark to market adjustments ​ ​ 350 ​ ​ 514 Accrued expenses ​ ​ 1,025 ​ ​ 96 Other ​ 952 ​ 1,100 Gross deferred tax assets ​ 20,538 ​ 17,090 Valuation allowance ​ (1,679) ​ (1,570) Net deferred tax assets ​ 18,859 ​ 15,520 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Accumulated depreciation ​ (2,269) ​ (2,099) Operating lease right of use asset ​ ​ (1,027) ​ ​ (1,069) Installment sale ​ (349) ​ (349) Acquisition purchase accounting adjustments ​ (1,173) ​ (1,284) Mortgage servicing rights ​ (14,775) ​ (15,498) FHLB stock dividends ​ (72) ​ (71) Prepaid expenses ​ (419) ​ (893) Deferred loan fees and costs, net ​ ​ (215) ​ ​ (136) Other ​ (274) ​ (101) Deferred tax liabilities ​ (20,573) ​ (21,500) ​ ​ ​ ​ ​ ​ ​ Net deferred tax liability ​ $ (1,714) ​ $ (5,980) ​ Tax laws enacted in 2013 and 2014 decrease the Indiana financial institutions tax rate beginning in 2014 and ending in 2023. Deferred taxes have been adjusted to reflect the newly enacted rates and the period in which temporary differences are expected to reverse. ​ (15 – continued) At September 30, 2022, the Company had a federal net operating loss carryforward of approximately $4.4 million which was fully utilized in 2023. The Company also had various apportioned state operating loss carryforwards as of September 30, 2022 that were fully utilized in 2023. The Company has tax credit carryforwards of $2.4 million, which includes federal tax credit carryforwards of $2.3 million and state tax credits carryforwards of $60,000. The federal and state tax credits may be carried forward 20 and 10 years, respectively. In assessing the ability of the Company to realize the benefit of the deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, availability of operating loss carrybacks, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which deferred tax assets are deductible, management believes it is more likely than not the Company will generate sufficient taxable income to realize the benefits of these deductible differences at September 30, 2023, except for a valuation allowance of $1.7 million on the net deferred tax asset related to capital losses generated. In assessing the need for a valuation allowance for the deferred tax assets for the capital loss carryforward, the Company considered all positive and negative evidence in assessing whether the weight of available evidence supports the recognition of some or all of the deferred tax assets related to these carryforwards. The Company may not be able to generate capital gains in the future to be able to utilize the capital losses. Therefore, the Company’s assessment of the deferred tax asset warrants the need for a valuation allowance. At September 30, 2023 and 2022, the Company had no liability for unrecognized income tax benefits and does not anticipate any increase in the liability for unrecognized tax benefits during the next twelve months. The Company believes that its income tax positions would be sustained upon examination and does not anticipate any adjustments that would result in a material change to its financial position or results of operations. The Company files consolidated U.S. federal and Indiana state income tax returns and the Bank files returns in additional states due to various nexus creating activities in these jurisdictions. Returns filed in these jurisdictions for tax years ending on or after September 30, 2019 are subject to examination by the relevant taxing authorities. Each entity included in the consolidated federal and state income tax returns filed by the Company are charged or given credit for the applicable tax as though separate returns were filed. Retained earnings of the Bank at September 30, 2023 and 2022 include approximately $4.6 million for which no deferred federal income tax liability has been recognized. This amount represents an allocation of income to bad debt deductions as of September 30, 1988 for tax purposes only. Reduction of such allocated amounts for purposes other than tax bad debt losses, including redemption of bank stock, excess dividends or loss of “bank” status, would create income for tax purposes only, subject to the then-current corporate income tax rate. The unrecorded deferred income tax liability on these amounts was approximately $957,000 at September 30, 2023 and 2022.

LEASES

LEASES	12 Months Ended
	Sep. 30, 2023
LEASES
LEASES	(16) A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified premises and equipment for a period of time in exchange for consideration. The Company is a lessor in certain leasing agreements, such as for office space, and is a lessee in others, such as for certain office space and equipment. The Company’s operating leases have terms that expire at different dates through August 2028, and some include options to extend the leases in five year increments. The Company has adopted FASB ASC 842 and all subsequent updates. With the adoption of FASB ASC 842, operating lease agreements are required to be recognized on the consolidated balance sheet as a right of use (“ROU”) asset and a corresponding lease liability. All of the Company’s leases are classified as operating leases. The Company has adopted all applicable practical expedients permitted under the standard, including the option to expense short-term leases with a term of one year or less. The Company’s right to use an asset over the life of a lease is recorded as an ROU asset included in other assets on the consolidated balance sheets and was $4.2 million and $4.4 million at September 30, 2023 and 2022,respectively. Certain adjustments to the ROU asset may be required for items such as initial direct costs paid or incentives received. The Company recorded a lease liability in other liabilities on the consolidated balance sheets, which had a balance of $4.4 million and $4.6 million at September 30, 2023 and 2022, respectively. The calculated amount of the ROU assets and lease liabilities are impacted by the length of the lease term and the discount rate used to calculate the present value of minimum lease payments. Regarding the discount rate, FASB ASC 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to October 1, 2019, the rate for the remaining lease term as of October 1, 2019 was used. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the Company recognizes lease expense for these leases on a straight-line basis over the term of the lease. Certain leases include one or more options to renew, with renewal terms that can extend the lease term from one Lease expense for the years ended September 30, 2023, 2022 and 2021 was $825,000, $1.1 million and $2.0 million, respectively. The components of lease expense for the years ended September 30, 2023, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating lease cost ​ $ 552 ​ $ 621 ​ $ 1,204 Short-term lease cost ​ ​ 273 ​ ​ 501 ​ ​ 836 ​ ​ $ 825 ​ $ 1,122 ​ $ 2,040 ​ (16 – continued) Future minimum commitments due under these lease agreements as of September 30, 2023 are as follows, including renewal options that are reasonably certain to be exercised: ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2024 ​ $ 347 2025 ​ 291 2026 ​ 249 2027 ​ 211 2028 ​ 212 Thereafter ​ 4,779 Total lease payments ​ 6,089 Less imputed interest ​ ​ (1,734) Total ​ $ 4,355 ​ The lease term and discount rate at September 30, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ 2023 2022 ​ Weighted-average remaining lease term (years) 23.0 ​ 23.7 ​ Weighted-average discount rate ​ 2.97 % 2.89 % ​ Supplemental cash flow information for the years ended September 30, 2023, 2022 and 2021 related to leases was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 512 ​ $ 607 ​ $ 1,253 ROU assets obtained in exchange for lease obligations: ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating leases ​ $ 188 ​ $ 275 ​ $ 2,038 ​ Lessor The Company leases commercial office space to tenants under noncancelable operating leases with terms of five ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2024 $ 469 2025 ​ 354 2026 ​ 8 2027 ​ 8 2028 ​ 5 2029 and thereafter ​ — Total $ 844 ​

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Sep. 30, 2023
COMMITMENTS AND CONTINGENCIES
COMMITMENTS AND CONTINGENCIES	(17) The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheet. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount and type of collateral obtained, if deemed necessary by the Company upon extension of credit, varies and is based on management’s credit evaluation of the counterparty. Commitments under outstanding standby letters of credit totaled $1.9 million and $8.2 million at September 30, 2023 and 2022, respectively. Standby letters of credit are conditional lending commitments issued by the Company to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit. ​ (17 continued) The Company has not been obligated to perform on any financial guarantees and has incurred no losses on its commitments in 2023 or 2022. The following is a summary of the commitments to extend credit at September 30, 2023 and 2022. Interest rate lock commitments that meet the definition of a derivative are excluded from these totals. ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Loan commitments: ​ ​ Fixed rate ​ $ 15,220 ​ $ 53,692 Adjustable rate ​ 54,157 ​ 71,167 ​ ​ ​ ​ ​ ​ ​ Guarantees of third-party revolving credit ​ 290 ​ 286 Undisbursed portion of home equity lines of credit ​ 147,398 ​ 105,208 Undisbursed portion of commercial and personal lines of credit ​ 64,330 ​ 52,146 Undisbursed portion of construction loans in process ​ 72,859 ​ 45,265 Total commitments to extend credit ​ $ 354,254 ​ $ 327,764 ​ In connection with the sale of residential mortgage loans to third party investors, the Company makes usual and customary representations and warranties as to the propriety of its origination activities. In certain circumstances, the investors require the Company to repurchase loans sold to them under the terms of the warranties. When this happens, the loans are recorded at fair value with a corresponding charge to a valuation reserve. At September 30, 2023 and 2022, the Company had established a reserve for loan repurchases or indemnifications of $676,000 and $435,000, respectively, which is included in other liabilities in the accompanying consolidated balance sheets. Provisions for loan repurchases or indemnifications totaling $704,000, $672,000 and $595,000 were made for the years ended September 30, 2023, 2022 and 2021, respectively, and are included in mortgage banking income in the accompanying consolidated statements of income. The Bank received notice of a class action lawsuit on March 23, 2021 regarding its policy and practice of assessing customer fees related to items presented on accounts with insufficient funds (NSF items). The Company has reached a verbal settlement agreement with the claimant, and the Company has accrued a loss contingency for this pending litigation at September 30, 2023, the amount of which had an immaterial effect on the 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 Company has accrued a loss contingency for this pending litigation at September 30, 2023, the amount of which had an immaterial effect on the consolidated financial statements.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Sep. 30, 2023
DERIVATIVE FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	(18) The Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The Company also enters into forward mortgage loan commitments to sell to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts are considered derivatives and are recorded on the balance sheet at fair value in accordance with FASB ASC 815, Derivatives and Hedging ​ (18 – continued) Certain financial instruments, including derivatives, may be eligible for offset in the balance sheet when the “right of setoff” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements. However, the Company has not elected to offset such financial instruments in the consolidated balance sheets. The Company may be required to post margin collateral to derivative counterparties based on agreements with the dealers. At September 30, 2023 and 2022, the Company had cash collateral posted with certain derivative counterparties against its derivative obligations of $1.5 million and $2.4 million, respectively. Cash collateral related to derivative contracts is recorded in interest-bearing deposits with banks or other assets in the consolidated balance sheets. The table below provides information on the Company’s derivative financial instruments as of September 30, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 67,040 ​ $ 452 ​ $ 184 Forward mortgage loan sale contracts ​ 66,000 ​ 471 ​ 12 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 133,040 ​ $ 923 ​ $ 196 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 48,952 ​ $ 158 ​ $ 396 Forward mortgage loan sale contracts ​ 60,000 ​ 872 ​ 31 ​ ​ $ 108,952 ​ $ 1,030 ​ $ 427 ​ Income (loss) related to derivative financial instruments included in mortgage banking income in the accompanying consolidated statements of income for the years ended September 30, 2023, 2022 and 2021, is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 505 ​ $ (1,805) ​ $ (13,370) Forward mortgage loan sale contracts ​ 1,353 ​ 20,398 ​ 4,140 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,858 ​ $ 18,593 ​ $ (9,230) ​

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Sep. 30, 2023
FAIR VALUE MEASUREMENTS
FAIR VALUE MEASUREMENTS	(19) FASB ASC Topic 820 , Fair Value Measurements, Level 1: Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets. A quoted market price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available. ​ (19 – continued) Level 2: Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are not active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means. Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level 3 assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation. A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. The table below presents the balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis as of September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 25,949 ​ $ — ​ $ — ​ $ 25,949 Agency mortgage-backed ​ ​ — ​ ​ 24,268 ​ ​ — ​ ​ 24,268 Agency CMO ​ — ​ 12,742 ​ — ​ 12,742 Privately-issued CMO ​ — ​ 46 ​ 350 ​ 396 Privately-issued ABS ​ — ​ 364 ​ 79 ​ 443 SBA certificates ​ — ​ 10,714 ​ 31 ​ 10,745 Municipal bonds ​ — ​ 151,484 ​ — ​ 151,484 Subordinated debt ​ ​ — ​ ​ 1,712 ​ ​ — ​ ​ 1,712 Total securities available for sale ​ $ 25,949 ​ $ 201,330 ​ $ 460 ​ $ 227,739 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 24,692 ​ $ — ​ $ 24,692 Derivative assets (included in other assets) ​ $ — ​ $ 471 ​ $ 452 ​ $ 923 Equity securities (included in other assets) ​ $ 160 ​ $ — ​ $ — ​ $ 160 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 59,768 ​ $ 59,768 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 12 ​ $ 184 ​ $ 196 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 306 ​ $ 306 Commercial business ​ — ​ — ​ 965 ​ 965 SBA commercial business ​ ​ — ​ ​ — ​ ​ 237 ​ ​ 237 Total collateral dependent loans ​ $ — ​ $ — ​ $ 1,508 ​ $ 1,508 SBA loan servicing rights ​ $ — ​ $ — ​ $ 2,950 ​ $ 2,950 ​ ​ (19 – continued) The table below presents the balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis as of September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ — ​ $ 27,295 ​ $ — ​ $ 27,295 Agency mortgage-backed ​ ​ — ​ ​ 27,500 ​ ​ — ​ ​ 27,500 Agency CMO ​ — ​ 14,821 ​ — ​ 14,821 Privately-issued CMO ​ — ​ 470 ​ — ​ 470 Privately-issued ABS ​ — ​ 569 ​ — ​ 569 SBA certificates ​ — ​ 12,012 ​ — ​ 12,012 Municipal bonds ​ — ​ 233,850 ​ — ​ 233,850 Total securities available for sale ​ $ — ​ $ 316,517 ​ $ — ​ $ 316,517 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 38,579 ​ $ — ​ $ 38,579 Derivative assets (included in other assets) ​ $ — ​ $ 872 ​ $ 158 ​ $ 1,030 Equity securities (included in other assets) ​ $ 103 ​ $ — ​ $ — ​ $ 103 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 63,263 ​ $ 63,263 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 31 ​ $ 396 ​ $ 427 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ 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 the lower of cost or fair value. These adjustments may include unobservable parameters. Any such valuation adjustments have been applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. ​ (19 – continued) Securities Available for Sale and Equity Securities. Residential Mortgage Loans Held for Sale SBA and Single Tenant Net Lease Loans Held for Sale Derivative Financial Instruments The fair value of interest rate lock commitments is also obtained from an independent third party and is based on investor prices for the underlying loans or current secondary market prices for loans with similar characteristics, less estimated costs to originate the loans and adjusted for the anticipated funding probability (pull-through rate). The fair value of interest rate lock commitments is classified as Level 3 in the fair value hierarchy. The table below presents a reconciliation of derivative assets and liabilities (interest rate lock commitments) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2023 ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ (238) ​ $ 1,567 ​ $ 14,937 Unrealized gains (losses) recognized in earnings, net of settlements ​ 506 ​ (1,805) ​ (13,370) ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 268 ​ $ (238) ​ $ 1,567 ​ ​ (19 – continued) The realized and unrealized gains (losses) recognized in earnings in the table above are included in mortgage banking income on the accompanying consolidated statements of income. Gains The table below presents information about significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis as of September 30, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 Range ​ 2022 Range ​ ​ Significant ​ of Inputs ​ of Inputs ​ Unobservable (Weighted (Weighted Financial Instrument ​ Inputs ​ Average) ​ Average) ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 54% - 95% (81%) 50% - 100% (78%) ​ ​ Direct costs to close 0.00%-5.00% (0.62%) 0.00% - 4.00% (0.70%) ​ Residential Mortgage Servicing Rights . The table below presents a reconciliation of residential MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Beginning balance $ 63,263 ​ $ 49,579 ​ $ 21,703 Issuances (loans sold with servicing retained) ​ 2,354 ​ ​ 11,161 ​ ​ 36,679 Net settlements ​ (4,237) ​ ​ (7,539) ​ ​ (9,555) Unrealized gains (losses) included in earnings ​ (1,612) ​ ​ 10,062 ​ ​ 752 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance $ 59,768 ​ $ 63,263 ​ $ 49,579 ​ Changes in the fair value of residential MSRs are included in mortgage banking income in the accompanying consolidated statements of income. ​ (19 – continued) Collateral Dependent Loans Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable, and its fair value is generally determined based on real estate appraisals or other independent evaluations by qualified professionals. The appraisals are then discounted to reflect management’s estimate of the fair value of the collateral given the current market conditions and the condition of the collateral. At September 30, 2023 and 2022, the significant unobservable inputs used in the fair value measurement of collateral dependent loans were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2023 ​ 2022 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument Inputs (Weighted Average) (Weighted Average) Collateral dependent loans Discount from appraised value ​ 10.0% - 50.0% (14.22%) 0.0% - 80.0% (16.37%) ​ Estimated costs to sell ​ 6.0% - 6.0% (6.0%) 0.0% - 10.0% (5.93%) ​ Provisions for loan losses recognized for impaired loans for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Provision for loan losses recognized ​ $ 256 ​ $ 2,421 ​ $ 381 ​ SBA and Nonresidential Mortgage Loan Servicing Rights ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant 2023 2022 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument ​ Inputs ​ (Weighted Average) ​ (Weighted Average) SBA loan servicing rights ​ Discount rate ​ 10.25% - 25.00% (13.79%) ​ 6.90% - 25.00% (12.71%) ​ Prepayment speed 8.60% - 32.85% (16.91%) 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. (19 – continued) Impairment charges to write down SBA loan servicing rights to fair value for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Charges to write down SBA loan servicing rights ​ $ 882 ​ $ 216 ​ $ 66 ​ Nonresidential mortgage loan servicing rights represent the value associated with servicing single tenant net lease loans that have been sold. The fair value of nonresidential mortgage loan servicing rights is determined by management on a quarterly basis using a discounted cash flow model, and is classified as Level 3 in the fair value hierarchy. At September 30, 2023 and 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 years ended September 30, 2023, 2022 and 2021. Other Real Estate Owned Other real estate owned is reported at fair value, less estimated costs to dispose of the property. The fair values are determined by real estate appraisals which are then discounted to reflect management’s estimate of the fair value of the property given current market conditions and the condition of the property. At September 30, 2023 and 2022, the Company did not have any other real estate owned measured at fair value on a nonrecurring basis. There were no charges to write down other real estate owned to fair value for the years ended September 30, 2023, 2022 and 2021. ​ Transfers between Categories Financial Instruments Recorded Using Fair Value Option. (19 – continued) The Company has elected the fair value option for its residential mortgage loans held for sale. These loans are intended for sale and the Company believes that the fair value is the best indicator of the resolution of these loans. Interest income is recorded based on the contractual terms of the loans and in accordance with the Company’s policy on loans held for investment. None of these loans were 90 days or more past due, nor were any on nonaccrual status, as of September 30, 2023 or 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 September 30, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2023: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 24,692 ​ $ 24,382 ​ $ 309 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2022: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ 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 years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2023 ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ 482 ​ $ (385) ​ $ 2,017 Interest income ​ 2,256 ​ 3,989 ​ 5,695 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 2,738 ​ $ 3,604 ​ $ 7,712 ​ (19 – continued) Fair Value of Financial Instruments The following tables summarize the carrying value and estimated fair value of financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ September 30, 2023: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 18,014 ​ $ 18,014 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 12,831 ​ 12,831 ​ — ​ — Interest-bearing time deposits ​ 490 ​ — ​ 490 ​ — Securities available for sale ​ 227,739 ​ — ​ 227,739 ​ — Securities held to maturity ​ 1,300 ​ — ​ 38 ​ 1,265 Residential mortgage loans held for sale ​ 24,692 ​ ​ — ​ ​ 24,692 ​ — SBA loans held for sale ​ ​ 21,163 ​ ​ — ​ ​ 22,591 ​ ​ — Loans, net ​ 1,770,243 ​ — ​ — ​ 1,651,115 FRB and FHLB stock ​ 24,939 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 10,161 ​ — ​ 10,161 ​ — SBA loan servicing rights ​ ​ 2,950 ​ ​ — ​ ​ — ​ ​ 2,950 Residential mortgage loan servicing rights ​ ​ 59,768 ​ ​ — ​ ​ — ​ ​ 59,768 Nonresidential mortgage loan servicing rights ​ 101 ​ — ​ — ​ 101 Derivative assets (included in other assets) ​ 923 ​ — ​ 471 ​ 452 Equity securities (included in other assets) ​ ​ 160 ​ ​ 160 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ ​ 242,237 ​ ​ 242,237 ​ ​ — ​ ​ — Interest-bearing deposits ​ ​ 1,439,557 ​ ​ — ​ ​ — ​ ​ 1,435,083 Borrowings from FHLB ​ 363,183 ​ — ​ 356,257 ​ — Subordinated notes ​ 48,444 ​ — ​ 46,940 ​ — Accrued interest payable ​ 8,926 ​ — ​ 8,926 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 1,027 ​ ​ — ​ ​ 1,027 ​ ​ — Derivative liabilities (included in other liabilities) ​ 196 ​ — ​ 12 ​ 184 ​ ​ (19 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 18,312 ​ $ 18,312 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 23,353 ​ 23,353 ​ — ​ — Interest-bearing time deposits ​ 1,613 ​ — ​ 1,613 ​ — Securities available for sale ​ 316,517 ​ — ​ 316,517 ​ — Securities held to maturity ​ 1,558 ​ — ​ 1,593 ​ — Residential mortgage loans held for sale ​ 38,579 ​ — ​ 38,579 ​ — SBA loans held for sale ​ 21,883 ​ — ​ 24,010 ​ — Loans, net ​ 1,474,544 ​ — ​ — ​ 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 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 ​ The carrying amounts in the preceding tables are included in the consolidated balance sheets under the applicable captions. The contracted or notional amounts of financial instruments with off-balance-sheet risk are disclosed in Note 17, and the fair value of these instruments is considered immaterial. The methods and assumptions used to estimate fair value are described as follows: Carrying amount is the estimated fair value for cash and cash equivalents, interest-bearing time deposits, accrued interest receivable and payable, advance payments by borrowers for taxes and insurance, demand deposits and other transaction accounts. The fair value of loans (excluding loans held for sale), fixed-maturity certificates of deposit, and borrowed funds is based on discounted cash flows using current market rates applied to the estimated life and credit risk of the instrument. It is not practicable to determine the fair value of FHLB and other restricted stock due to restrictions placed on its transferability. The methods and assumptions used to estimate the fair value of investment securities, loans held for sale, loan servicing rights, and derivative assets and liabilities are discussed previously in Note 18. The methods utilized to measure the fair value of financial instruments at September 30, 2023 and 2022 represent an approximation of exit price, but an actual exit price may differ.

CAPITAL REQUIREMENTS AND RESTRI

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	12 Months Ended
	Sep. 30, 2023
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	(20) The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1 and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and Tier 1 capital (as defined) to average assets (as defined). The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (“Basel III rules”) became effective for the Bank on January 1, 2015, with full compliance with all of the requirements having been phased in over a multi-year schedule through 2019. Under the Basel III rules, the Bank must hold a conservation buffer above the adequately capitalized risk-based capital ratios disclosed in the table below. The capital conservation buffer was 2.50% for 2023 and 2022. The Bank met all capital adequacy requirements to which it was subject as of September 30, 2023 and 2022. As of September 30, 2023, the most recent notification from the FRB categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, common equity Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s category. ​ (20 – continued) The Company’s and Bank’s actual capital amounts and ratios are also presented in the table. The Company is not subject to the FRB’s consolidated capital requirements because it has less than $3 billion in total consolidated assets. However, management has elected to disclose the Company’s capital amounts and ratios in addition to the Bank’s required disclosures in the table below. No amount was deducted from capital for interest-rate risk at either date. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ for Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes ​ Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 230,735 11.47 % $ 160,965 8.00 % ​ N/A N/A ​ Bank ​ 226,461 11.27 ​ 160,822 8.00 ​ $ 201,027 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 165,391 8.22 % $ 120,724 6.00 % N/A N/A ​ Bank ​ 209,561 10.42 ​ 120,616 6.00 ​ $ 160,822 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 165,391 8.22 % $ 90,543 4.50 % N/A N/A ​ Bank ​ 209,561 10.42 ​ 90,462 4.50 ​ $ 130,668 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 165,391 7.24 % $ 91,375 4.00 % N/A N/A ​ Bank ​ 209,561 9.17 ​ 91,406 4.00 ​ $ 114,257 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 % ​ ​ (20 – continued) Dividend Restriction As an Indiana corporation, the Company is subject to Indiana law with respect to the payment of dividends. Under Indiana law, the Company may pay dividends so long as it is able to pay its debts as they become due in the usual course of business and its assets exceed the sum of its total liabilities, plus the amount that would be needed, if the Company were to be dissolved at the time of the dividend, to satisfy any rights that are preferential to the rights of the persons receiving the dividend. The ability of the Company to pay dividends depends primarily on the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank is subject to banking regulations and applicable Indiana state law. The amount of dividends that the Bank may pay to the Company in any calendar year without prior approval from banking regulators cannot exceed net income for that year to date plus retained net income (as defined) for the preceding two calendar years. The Bank may not declare or pay a cash dividend or repurchase any of its capital stock if the effect thereof would cause the regulatory capital of the Bank to be reduced below regulatory capital requirements imposed by banking regulators or the FDIC, or below the amount of the liquidation account established upon completion of the conversion. Liquidation Account Upon completion of its conversion from mutual to stock form on October 6, 2008, the Bank established a liquidation account in an amount equal to its retained earnings at March 31, 2008, totaling $29.3 million. The liquidation account is maintained for the benefit of depositors as of the March 31, 2007 eligibility record date (or the June 30, 2008 supplemental eligibility record date) who maintain their deposits in the Bank after conversion. In the event of complete liquidation, and only in such an event, each eligible depositor is entitled to receive a liquidation distribution from the liquidation account in the proportionate amount of the then current adjusted balance for deposits then held, before any liquidation distribution may be made with respect to the Bank’s stockholders. Except for the repurchase of stock and payment of dividends by the Bank, the existence of the liquidation account does not restrict the use or application of retained earnings of the Bank. Stock Split On August 16, 2021, the Company approved and declared a three three

SUPPLEMENTAL DISCLOSURE FOR EAR

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	12 Months Ended
	Sep. 30, 2023
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	(21) Basic earnings per common share is computed by dividing net income available to common shareholders by the weighted average number of shares of common stock outstanding during the periods presented. Diluted earnings per common share include the dilutive effect of additional potential common shares issuable under stock options, restricted stock and other potentially dilutive securities outstanding. Earnings and dividends per share are restated for stock splits and dividends through the date of issuance of the financial statements. Earnings per share information is presented below for the years ended September 30, 2023, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands, except share and per share data) 2023 2022 2021 Basic: ​ ​ ​ ​ Earnings: ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 8,172 ​ $ 15,386 ​ $ 29,567 Shares: ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,848,311 ​ 7,058,550 ​ 7,107,786 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 1.19 ​ $ 2.18 ​ $ 4.16 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 8,172 ​ $ 15,386 ​ $ 29,567 Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,848,311 ​ 7,058,550 ​ 7,107,786 Add: Dilutive effect of outstanding options ​ 31,761 ​ 71,240 ​ 56,176 Add: Dilutive effect of restricted stock ​ — ​ 12,056 ​ 9,771 Weighted average common shares outstanding, as adjusted ​ 6,880,072 ​ 7,141,846 ​ 7,173,733 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 1.19 ​ $ 2.15 ​ $ 4.12 ​ Nonvested restricted stock shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. There were no antidilutive restricted stock awards excluded from the calculation of diluted net income per share for the years ended September 30, 2023, 2022 and 2021. Stock options for 280,989, 137,250 and 49,974 shares of common stock were excluded from the calculation of diluted net income per common share for the years ended September 30, 2023, 2022 and 2021, respectively, because their effect was antidilutive.

PARENT COMPANY CONDENSED FINANC

PARENT COMPANY CONDENSED FINANCIAL INFORMATION	12 Months Ended
	Sep. 30, 2023
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
PARENT COMPANY CONDENSED FINANCIAL INFORMATION	(22) Condensed financial information for First Savings Financial Group, Inc. (parent company only) follows: Balance Sheets ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, (In thousands) 2023 2022 ​ ​ ​ ​ ​ ​ Assets: ​ ​ Cash and due from banks ​ $ 7,425 ​ $ 16,940 Other assets ​ 1,489 ​ 1,165 Investment in subsidiaries ​ 190,946 ​ 184,315 ​ ​ $ 199,860 ​ $ 202,420 ​ ​ ​ ​ ​ ​ ​ Liabilities and Equity: ​ ​ Subordinated notes ​ $ 48,444 ​ $ 50,217 Accrued expenses ​ 435 ​ 638 Stockholders’ equity ​ 150,981 ​ 151,565 ​ ​ $ 199,860 ​ $ 202,420 ​ Statements of Income ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Dividend income from subsidiaries ​ $ 1,335 ​ $ 1,300 ​ $ 5,175 Interest expense ​ (2,794) ​ (2,111) ​ (1,274) Other operating income ​ ​ 660 ​ ​ — ​ ​ — Other operating expenses ​ (1,525) ​ (1,475) ​ (1,076) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before income taxes and equity in undistributed net income of subsidiaries ​ (2,324) ​ (2,286) ​ 2,825 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income tax benefit ​ 772 ​ 795 ​ 504 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before equity in undistributed net income of subsidiaries ​ (1,552) ​ (1,491) ​ 3,329 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ 9,724 ​ 16,877 ​ 26,238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 8,172 ​ $ 15,386 ​ $ 29,567 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Comprehensive income (loss) ​ $ 5,664 ​ $ (20,593) ​ $ 27,258 ​ ​ (22 – continued) Statements of Cash Flows ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating Activities: ​ ​ ​ Net income ​ $ 8,172 ​ $ 15,386 ​ $ 29,567 Adjustments to reconcile net income to net cash provided by (used in) operating activities: ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ (9,724) ​ (16,877) ​ (26,238) Amortization of subordinated debt issuance costs ​ ​ 227 ​ ​ — ​ ​ — Stock compensation expense ​ 698 ​ 688 ​ 277 Gain from repurchase of subordinated debt ​ ​ (660) ​ ​ — ​ ​ — Net change in other assets and liabilities ​ (456) ​ (93) ​ 201 Net cash provided by (used in) operating activities ​ (1,743) ​ (896) ​ 3,807 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investing Activities: ​ ​ ​ Investment in bank subsidiary ​ — ​ (10,000) ​ — Net cash used in investing activities ​ — ​ (10,000) ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financing Activities: ​ ​ ​ Repurchase of subordinated debt ​ ​ (1,340) ​ ​ — ​ ​ — Net proceeds from subordinated debt ​ — ​ 30,258 ​ — Exercise of stock options ​ 16 ​ — ​ 27 Tax paid on stock award shares for employees ​ (30) ​ (48) ​ (41) Purchase of treasury stock ​ ​ (2,625) ​ ​ (4,745) ​ ​ — Dividends paid ​ (3,793) ​ (4,499) ​ (1,685) Net cash provided by (used in) financing activities ​ (7,772) ​ 20,966 ​ (1,699) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net increase (decrease) in cash and due from banks ​ (9,515) ​ 10,070 ​ 2,108 Cash and due from banks at beginning of year ​ 16,940 ​ 6,870 ​ 4,762 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks at end of year ​ $ 7,425 ​ $ 16,940 ​ $ 6,870 ​

CONCENTRATION OF CREDIT RISK

CONCENTRATION OF CREDIT RISK	12 Months Ended
	Sep. 30, 2023
CONCENTRATION OF CREDIT RISK
CONCENTRATION OF CREDIT RISK	(23) At September 30, 2023 and 2022, the Company had a concentration of credit risk with correspondent banks in excess of the federal deposit insurance limit of $9.4 million and $13.4 million, respectively.

SELECTED QUARTERLY FINANCIAL IN

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	12 Months Ended
	Sep. 30, 2023
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	(24) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2023: ​ ​ ​ ​ Interest income ​ $ 23,483 ​ $ 24,811 ​ $ 26,798 ​ $ 28,137 Interest expense ​ 7,222 ​ 9,899 ​ 11,933 ​ 12,601 Net interest income ​ 16,261 ​ 14,912 ​ 14,865 ​ 15,536 Provision for loan losses ​ 984 ​ 372 ​ 441 ​ 815 Net interest income after provision for loan losses ​ 15,277 ​ 14,540 ​ 14,424 ​ 14,721 Noninterest income ​ 5,188 ​ 7,516 ​ 7,196 ​ 5,442 Noninterest expenses ​ 17,511 ​ 17,999 ​ 18,965 ​ 21,647 Income (loss) before income taxes ​ 2,954 ​ 4,057 ​ 2,655 ​ (1,484) Income tax expense (benefit) ​ 83 ​ 333 ​ 331 ​ (737) Net income (loss) ​ $ 2,871 ​ $ 3,724 ​ $ 2,324 ​ $ (747) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, basic ​ $ 0.42 ​ $ 0.54 ​ $ 0.34 ​ $ (0.11) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, diluted ​ $ 0.42 ​ $ 0.54 ​ $ 0.34 ​ $ (0.11) ​ ​ (24 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2022: ​ ​ ​ ​ Interest income ​ $ 15,762 ​ $ 15,801 ​ $ 18,479 ​ $ 21,152 Interest expense ​ 1,859 ​ 1,788 ​ 2,568 ​ 4,327 Net interest income ​ 13,903 ​ 14,013 ​ 15,911 ​ 16,825 Provision (credit) for loan losses ​ 526 ​ (30) ​ 532 ​ 880 Net interest income after provision (credit) for loan losses ​ 13,377 ​ 14,043 ​ 15,379 ​ 15,945 Noninterest income ​ 16,591 ​ 20,072 ​ 10,033 ​ 4,531 Noninterest expenses ​ 24,852 ​ 25,461 ​ 22,835 ​ 19,514 Income before income taxes ​ 5,116 ​ 8,654 ​ 2,577 ​ 962 Income tax expense (benefit) ​ 811 ​ 1,619 ​ (61) ​ (446) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 4,305 ​ $ 7,035 ​ $ 2,638 ​ $ 1,408 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.60 ​ $ 0.99 ​ $ 0.37 ​ $ 0.20 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.60 ​ $ 0.98 ​ $ 0.37 ​ $ 0.20 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ ​ ​ Interest income ​ $ 16,026 ​ $ 16,840 ​ $ 16,150 ​ $ 16,243 Interest expense ​ 2,287 ​ 2,060 ​ 1,921 ​ 1,819 Net interest income ​ 13,739 ​ 14,780 ​ 14,229 ​ 14,424 Provision (credit) for loan losses ​ 668 ​ 287 ​ (2,730) ​ 8 Net interest income after provision (credit) for loan losses ​ 13,071 ​ 14,493 ​ 16,959 ​ 14,416 Noninterest income ​ 46,183 ​ 38,973 ​ 18,785 ​ 16,495 Noninterest expenses ​ 44,402 ​ 39,284 ​ 30,619 ​ 25,104 Income before income taxes ​ 14,852 ​ 14,182 ​ 5,125 ​ 5,807 Income tax expense ​ 4,527 ​ 3,695 ​ 817 ​ 958 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ 10,325 ​ 10,487 ​ 4,308 ​ 4,849 Net income attributable to noncontrolling interest in subsidiary ​ 402 ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. ​ $ 9,923 ​ $ 10,487 ​ $ 4,308 ​ $ 4,849 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 1.40 ​ $ 1.48 ​ $ 0.61 ​ $ 0.68 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 1.39 ​ $ 1.46 ​ $ 0.60 ​ $ 0.67 ​

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Sep. 30, 2023
SEGMENT REPORTING
SEGMENT REPORTING	(25) The Company’s operations include three primary segments: core banking, SBA lending, and mortgage banking. The core banking segment originates residential, commercial and consumer loans and attracts deposits from its customer base. Net interest income from loans and investments funded by deposits and borrowings is the primary revenue for the core banking segment. The SBA lending segment originates loans guaranteed by the SBA, subsequently selling the guaranteed portion to outside investors. Net gains on sales of loans and net interest income are the primary sources of revenue for the SBA lending segment. The mortgage banking segment originates residential mortgage loans and sells them in the secondary market. Net gains on the sales of loans, income from derivative financial instruments and net interest income are the primary sources of revenue for the mortgage banking segment. The core banking segment is comprised primarily of the Bank and First Savings Investments, Inc., while the SBA lending segment’s revenues are comprised primarily of net interest income and gains on the sales of SBA loans generated by Q2. The mortgage banking segment operates as a separate division of the Bank. The following segment financial information has been derived from the internal financial statements of the Company which are used by management to monitor and manage financial performance. The accounting policies of the three segments are the same as those of the Company. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Total Year Ended September 30, 2023: ​ ​ ​ ​ ​ Net interest income ​ $ 56,214 ​ $ 4,176 ​ $ 1,184 ​ $ 61,574 Provision (credit) for loan losses ​ 3,270 ​ (658) ​ — ​ 2,612 Net interest income after provision ​ ​ 52,944 ​ ​ 4,834 ​ ​ 1,184 ​ ​ 58,962 Net gains on sales of loans, SBA ​ — ​ 2,717 ​ — ​ 2,717 Mortgage banking income ​ ​ 88 ​ ​ — ​ ​ 14,243 ​ ​ 14,331 Noninterest income ​ ​ 7,762 ​ ​ 3,337 ​ ​ 14,243 ​ ​ 25,342 Noninterest expense ​ ​ 45,017 ​ ​ 9,600 ​ ​ 21,505 ​ ​ 76,122 Income (loss) before taxes ​ ​ 15,689 ​ ​ (1,429) ​ ​ (6,078) ​ ​ 8,182 Income tax expense (benefit) ​ 1,911 ​ (381) ​ (1,520) ​ 10 Segment profit (loss) ​ 13,778 ​ (1,048) ​ (4,558) ​ 8,172 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,439 ​ 20 ​ 90 ​ 2,549 Segment assets at September 30, 2023 ​ 2,110,311 ​ 89,724 ​ 88,819 ​ 2,288,854 ​ ​ (25 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Totals Year Ended September 30, 2022: ​ ​ ​ ​ Net interest income ​ $ 52,184 ​ $ 6,108 ​ $ 2,360 ​ $ 60,652 Provision for loan losses ​ ​ 1,295 ​ 613 ​ — ​ 1,908 Net interest income after provision ​ ​ 50,889 ​ ​ 5,495 ​ ​ 2,360 ​ ​ 58,744 Net gains on sales of loans, SBA ​ — ​ 3,698 ​ — ​ 3,698 Mortgage banking income ​ ​ (2) ​ ​ — ​ ​ 38,339 ​ ​ 38,337 Noninterest income ​ ​ 8,292 ​ ​ 4,623 ​ ​ 38,312 ​ ​ 51,227 Noninterest expense ​ ​ 39,979 ​ ​ 8,721 ​ ​ 43,962 ​ ​ 92,662 Income (loss) before taxes ​ ​ 19,202 ​ ​ 1,397 ​ ​ (3,290) ​ ​ 17,309 Income tax expense (benefit) ​ ​ 2,133 ​ 408 ​ (618) ​ 1,923 Segment profit (loss) ​ ​ 17,069 ​ 989 ​ (2,672) ​ 15,386 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,256 ​ 30 ​ 162 ​ 2,448 Segment assets at September 30, 2022 ​ 1,880,813 ​ 105,342 ​ 107,570 ​ 2,093,725 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended September 30, 2021: ​ ​ ​ ​ ​ Net interest income ​ $ 44,893 ​ $ 10,339 ​ $ 1,940 ​ $ 57,172 Provision (credit) for loan losses ​ (1,782) ​ 15 ​ — ​ ​ (1,767) Net interest income after provision ​ 46,675 ​ 10,324 ​ 1,940 ​ ​ 58,939 Net gains on sales of loans, SBA ​ — ​ 8,740 ​ — ​ ​ 8,740 Mortgage banking income ​ 4 ​ — ​ 104,500 ​ ​ 104,504 Noninterest income ​ 6,331 ​ 9,661 ​ 104,444 ​ ​ 120,436 Noninterest expense ​ 35,267 ​ 9,374 ​ 94,768 ​ ​ 139,409 Income before taxes ​ 17,739 ​ 10,611 ​ 11,616 ​ ​ 39,966 Income tax expense ​ ​ 2,438 ​ ​ 2,512 ​ ​ 5,047 ​ ​ 9,997 Segment profit ​ ​ 15,301 ​ ​ 8,099 ​ ​ 6,569 ​ ​ 29,969 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 2,021 ​ ​ 42 ​ ​ 237 ​ ​ 2,300 Segment assets at September 30, 2021 ​ ​ 1,320,773 ​ ​ 168,342 ​ ​ 232,279 ​ ​ 1,721,394 ​

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Sep. 30, 2023
REVENUE FROM CONTRACTS WITH CUSTOMERS
REVENUE FROM CONTRACTS WITH CUSTOMERS	(26) REVENUE FROM CONTRACTS WITH CUSTOMERS Substantially all of the Company’s revenue from contracts with customers within the scope of FASB ASC 606 is included in the core banking segment and is recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended ​ ​ September 30, ​ 2023 ​ 2022 ​ 2021 ​ ​ (In thousands) In Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 2,017 ​ $ 1,864 ​ $ 1,468 ATM and interchange fees ​ 2,756 ​ ​ 2,753 ​ ​ 2,399 Investment advisory income ​ 746 ​ ​ 717 ​ ​ 589 Other ​ 111 ​ ​ 110 ​ ​ 103 Revenue from contracts with customers ​ 5,630 ​ ​ 5,444 ​ ​ 4,559 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Out of Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ Gain (loss) on sale of securities ​ (551) ​ ​ 476 ​ ​ — Gain on sale of SBA loans ​ 2,717 ​ ​ 3,698 ​ ​ 8,740 Gain on sale of single tenant net lease loans ​ ​ — ​ ​ 719 ​ ​ — Mortgage banking income ​ 14,331 ​ ​ 38,337 ​ ​ 104,504 Increase in cash value of life insurance ​ 1,081 ​ ​ 993 ​ ​ 785 Real estate lease income ​ 469 ​ ​ 571 ​ ​ 592 Other ​ ​ 1,665 ​ ​ 989 ​ ​ 1,256 Other noninterest income ​ 19,712 ​ ​ 45,783 ​ ​ 115,877 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 25,342 ​ $ 51,227 ​ $ 120,436 ​ 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 (26 – continued) Other Income

MORTGAGE BANKING INCOME

MORTGAGE BANKING INCOME	12 Months Ended
	Sep. 30, 2023
MORTGAGE BANKING INCOME
MORTGAGE BANKING INCOME	(27) MORTGAGE BANKING INCOME ​ The components of mortgage banking income for the years ended September 30, 2023, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, ​ 2023 2022 2021 (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ 6,300 ​ $ (674) ​ $ 83,874 Mortgage brokerage income ​ 369 ​ 762 ​ 1,500 Net change in fair value of loans held for sale and interest rate lock commitments ​ 987 ​ (4,206) ​ (18,856) Realized and unrealized hedging gains (losses) ​ 1,353 ​ 20,398 ​ 4,140 Capitalized residential mortgage loan servicing rights ​ 2,354 ​ 11,161 ​ 36,679 Net change in fair value of residential mortgage loan servicing rights ​ (5,849) ​ 2,523 ​ (8,803) Net loan servicing income ​ 9,521 ​ 9,045 ​ 6,565 Provisions for loan repurchases and indemnifications ​ (704) ​ (672) ​ (595) Total mortgage banking income ​ $ 14,331 ​ $ 38,337 ​ $ 104,504 ​ (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

SUBSEQUENT EVENT

SUBSEQUENT EVENT	12 Months Ended
	Sep. 30, 2023
SUBSEQUENT EVENT
SUBSEQUENT EVENT	(28) SUBSEQUENT EVENT ​ Subsequent to September 30, 2023, the Company sold its residential mortgage servicing rights to a third-party. The transaction closed on November 30, 2023. The Company adjusted the value based on the contract sales price as of September 30, 2023. As was announced by the Company by Form 8-K filed with the Securities and Exchange Commission on October 4, 2023, the Board of Directors of First Savings Bank committed to exiting the Bank’s residential mortgage banking operations during the first fiscal quarter ending December 31, 2023. The Bank will continue to originate 1-4 family residential mortgage loans from its retail banking centers located in its local market and First Lien HELOCs from its loan production office located in Franklin, Tennessee.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Sep. 30, 2023
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Nature of Operations	Nature of Operations First Savings Financial Group, Inc. (the “Company”) is a financial holding company and the parent of First Savings Bank (the “Bank”). The Bank, which is a wholly-owned Indiana-chartered commercial bank subsidiary of the Company, provides a variety of banking services to individuals and business customers through 16 locations in southern Indiana. The Bank attracts deposits primarily from the general public and uses those funds, along with other borrowings, primarily to originate residential mortgage, commercial mortgage, construction, commercial business and consumer loans, and to a lesser extent, to invest in mortgage-backed securities and other securities. The Bank has 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. First Savings Insurance Risk Management, Inc. (the “Captive”), which was a wholly-owned insurance subsidiary of the Company, was a Nevada corporation that provided property and casualty insurance to the Company, the Bank and the Bank’s active subsidiaries. In addition, the Captive provided reinsurance to 11 other third-party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace. Effective September 30, 2023, the Captive was dissolved and is no longer in existence.
Basis of Consolidation and Reclassifications	Basis of Consolidation and Reclassifications The consolidated financial statements include the accounts of the Company and its subsidiaries, have been prepared in accordance with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. Intercompany balances and transactions have been eliminated.
Statements of Cash Flows	Statements of Cash Flows For purposes of the statements of cash flows, the Company has defined cash and cash equivalents as cash on hand, amounts due from banks (including cash items in process of clearing), interest-bearing deposits with other banks having an original maturity of 90 days or less and money market funds.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses. In connection with the determination of the allowance for loan losses, management obtains independent appraisals for significant properties. A substantial portion of the Company’s loan portfolio consists of single-family residential and commercial real estate loans to customers in the southern Indiana and Louisville, Kentucky metropolitan area. Accordingly, the ultimate collectability of a substantial portion of the Company’s loan portfolio and the recovery of the carrying amount of other real estate owned are susceptible to changes in local market conditions. While management uses available information to recognize losses on loans and other real estate owned, further reductions in the carrying amounts of loans and other real estate owned may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans and other real estate owned. Such agencies may require the Company to recognize additional losses based on their judgments about information available to them at the time of their examination. Because of these factors, it is reasonably possible the estimated losses on loans and other real estate owned may change materially in the near term. However, the amount of the change that is reasonably possible cannot be estimated.
Investment Securities	Investment Securities Debt Securities Available for Sale Amortization of premiums and accretion of discounts are recognized in interest income using methods approximating the interest method over the period to maturity, adjusted for anticipated prepayments. Unrealized gains and losses, net of tax, on securities available for sale are included in other comprehensive income (loss) and the accumulated unrealized holding gains and losses are reported as a separate component of equity until realized. Realized gains and losses on the sale of securities available for sale are determined using the specific identification method and are included in other noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income (loss). ​ (1 – continued) Investment Securities - continued Debt Securities Held to Maturity Declines in the fair value of individual available for sale and held to maturity securities below their amortized cost that are other than temporary result in write-downs of the individual securities to their fair value. The related write-downs are included in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than amortized cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment for a period of time sufficient to allow for any anticipated recovery in fair value. Equity Securities Investments in non-marketable equity securities such as FRB stock and FHLB stock are carried at cost and are classified as restricted securities. The Bank is a member of the FHLB system and is required to own FHLB stock, the amount of which depends on the level of borrowings and other factors. Both cash and stock dividends received from these investments are included in dividend income. Impairment testing on these investments is based on applicable accounting guidance and the cost basis is reduced when impairment is deemed to be other-than-temporary.
Loans Held for Sale	Loans Held for Sale The Company has elected to record substantially all residential mortgage loans held for sale at fair value in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 825-10. Net unrealized gains and losses are included in mortgage banking income in the accompanying consolidated statements of income. Realized gains on sales of residential mortgage loans are determined using the specific identification method and are included in mortgage banking income. The Company originates loans to customers under the SBA 7(a) and other programs that generally provide for SBA guarantees of 75% to 90% of each loan. The Company intends to sell the guaranteed portion of the SBA loans. The guaranteed portion of the SBA loans was classified as loans held for sale at September 30, 2023 and 2022. At September 30, 2023 and 2022, SBA loans held for sale totaling $21.2 million and $21.9 million, respectively, were carried at the lower of aggregate cost or fair value. Realized gains and losses on sales of SBA loans held for sale are determined based on the allocation of participating interests sold and retained and are included in net gain on sales of SBA loans in the accompanying consolidated statements of income. Direct loan origination costs and fees related to SBA loans held for sale are deferred upon origination and are recognized as an adjustment to the gain or loss on the date of sale. SBA loans held for sale are sold on a servicing retained basis. ​ (1 – continued) Loans Held for Sale - continued During 2022 the Company transferred certain single tenant net lease loans from loans to loans held for sale and sold those loans on the secondary market. At September 30,2023 and 2022, there were no single tenant net lease loans held for sale. Realized gains and losses on sales of single tenant net lease loans held for sale are determined using the specific identification method. Single tenant net lease loans held for sale are sold on a servicing retained basis.
Transfers of Financial Assets	Transfers of Financial Assets The Company accounts for transfers and servicing of financial assets in accordance with FASB ASC 860, Transfers and Servicing Transfers of a portion of a loan must meet the criteria of a participating interest. If it does not meet the criteria of a participating interest, the transfer must be accounted for as a secured borrowing. In order to meet the criteria for a participating interest, all cash flows from the loan must be divided proportionately, the rights of each loan holder must have the same priority, and the loan holders must have no recourse to the transferor other than standard representations and warranties and no loan holder has the right to pledge or exchange the entire loan. The Company sells financial assets in the normal course of business, the majority of which are related to the SBA-guaranteed portion of loans, residential mortgage loan sales through established programs, and commercial loan sales through participation agreements. In accordance with accounting guidance for asset transfers, the Company considers any ongoing involvement with transferred assets in determining whether the assets can be derecognized from the balance sheet. With the exception of servicing and certain performance-based guarantees, the Company’s continuing involvement with financial assets sold is minimal and generally limited to market customary representation and warranty clauses. If the transfer of loans subject to loan participation does not meet the sale criteria or participation interest criteria under FASB ASC 860, the transfer is accounted for as a secured borrowing and the loan is not de-recognized and a participating liability is recorded in the consolidated balance sheets. When the Company sells financial assets, it may retain servicing rights and/or other interests in the financial assets. The gain or loss on sale depends on the previous carrying amount of the transferred financial assets, the servicing right recognized, and the consideration received and any liabilities incurred in exchange for the transferred assets. Upon transfer, any servicing assets and other interests held by the Company are carried at the lower of cost or fair value, with the exception of mortgage servicing rights related to sales of residential mortgage loans, which are carried at fair value.
Loans and Allowance for Loan Losses	Loans and Allowance for Loan Losses Loans Held for Investment Loans are stated at unpaid principal balances, less net deferred loan fees, discounts and the allowance for loan losses. Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of deferred loan fees is discontinued when a loan is placed on nonaccrual status. ​ (1 – continued) Loans and Allowance for Loan Losses - continued Nonaccrual Loans The recognition of income on a loan is discontinued and previously accrued interest is reversed when interest or principal payments become 90 days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income on nonaccrual loans is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss is considered remote. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. Loan Charge-Offs For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs of loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 45 days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon when the carrying value of the loan exceeds the property’s fair value, less estimated costs to sell. Allowance for Loan Losses The allowance for loan losses reflects management’s judgment of probable incurred loan losses at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company evaluates the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. ​ (1 – continued) Loans and Allowance for Loan Losses - continued The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment. A specific reserve is established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan is lower than the carrying value of that loan. The general component covers loans not considered to be impaired. Such loans are pooled by segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 60-month period with the exception of the SBA loan portfolio which uses lookback periods of 24 to 48 months. The Company’s historical loss experience is then adjusted for qualitative factors that are reviewed on a quarterly basis based on the risks present for each portfolio segment. Management considers changes and trends in the following qualitative loss factors: levels of and trends in delinquencies and impaired loans; trends in the volume and term of new loan originations; national and local economic trends and conditions; changes in lending policies, procedures and practices; changes in the experience and ability of lending management and other staff; changes in the quality and depth of the Company’s loan review system; trends in collateral valuation in the Company’s lending area; the existence and effect of any concentrations of credit and other factors as determined by management including peer data. Each qualitative factor is evaluated and a qualitative factor adjustment is applied to the actual historical loss factors in determining the adjusted loss factors used in management’s allowance for loan losses adequacy calculation. At September 30, 2023, the Company's allowance for loan losses totaled $16.9 million, of which $15.4 million related to qualitative factor adjustments. At September 30, 2022, the Company’s allowance for loan losses totaled $15.4 million, of which $13.4 million related to qualitative factor adjustments. Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary. The following portfolio segments are considered in the allowance for loan loss analysis: residential real estate, commercial real estate (including single tenant net lease and loans originated through SBA programs), multi-family residential real estate, construction, land and land development, commercial business (including loans originated through SBA programs) and consumer. Residential real estate loans (including first-lien home equity lines of credit) primarily consist of loans to individuals for the purchase or refinance of their primary residence, with a small portion of the segment secured by non-owner-occupied residential investment properties. The risks associated with residential real estate loans are closely correlated to the local housing market and general economic conditions, as repayment of the loans is primarily dependent on the borrower’s or tenant’s personal cash flow and employment status. ​ (1 – continued) Loans and Allowance for Loan Losses - continued Commercial real estate loans include the single tenant net lease loans and loans originated through SBA programs in addition to the Company’s core commercial loans and are comprised of loans secured by various types of collateral including office buildings, warehouses, retail space and mixed use buildings located in the Company’s primary lending area and in other states. Risks related to commercial real estate lending are related to the market value of the property taken as collateral, the underlying cash flows and general economic conditions. Repayment of these loans is generally dependent on the ability of the borrower to attract tenants at lease rates that provide for adequate debt service and can be impacted by general economic conditions, which impact vacancy rates. The Company generally obtains loan guarantees from financially capable parties for commercial real estate loans. Multi-family residential real estate loans primarily consist of loans secured by apartment buildings and other multi-tenant developments generally located in the Company’s primary lending area. Repayment of these loans is primarily dependent on the borrower’s ability to attract tenants and collect rents that provide for adequate debt service. The risks associated with these loans are closely correlated to the local housing market and general economic conditions. Construction loans consist of single-family residential properties, multi-family properties and commercial projects, and include both owner-occupied and speculative investment properties. Risks inherent in construction lending are related to the market value of the property held as collateral, the cost and timing of constructing or improving a property, the borrower’s ability to use funds generated by a project to service a loan until a project is completed, movements in interest rates and the real estate market during the construction phase, and the ability of the borrower to obtain permanent financing. Land and land development loans primarily consist of loans secured by farmland and vacant land held for long-term investment or development. The risks associated with land and land development loans are related to the market value of the property taken as collateral and the underlying cash flows for loans secured by farmland, and general economic conditions. Commercial business loans include loans originated through SBA programs and lines of credit to businesses, term loans and letters of credit secured by business assets such as equipment, accounts receivable, inventory, or other assets excluding real estate and are generally made to finance capital expenditures or fund operations. Commercial loans contain risks related to the value of the collateral securing the loan and the repayment is primarily dependent upon the financial success and viability of the borrower. As with commercial real estate loans, the Company generally obtains loan guarantees from financially capable parties for commercial business loans. Consumer loans consist primarily of home equity lines of credit and other loans secured by junior liens on the borrower’s personal residence, home improvement loans, automobile and truck loans, boat loans, mobile home loans, loans secured by savings deposits and other personal loans. The risks associated with these loans are related to the local housing market and local economic conditions including the unemployment level. There were no significant changes to the Company’s accounting policies or methodology used to estimate the allowance for loan losses during the years ended September 30,2023, 2022,and 2021. ​ (1 – continued) Loans and Allowance for Loan Losses - continued Impaired Loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, estimated costs to complete unfinished or repair damaged property, and other known defects. New appraisals are generally obtained for all significant properties when a loan is identified as impaired. Generally, a property is considered significant if the value of the property is estimated to exceed $250,000. Subsequent appraisals are obtained as needed or if management believes there has been a significant change in the market value of a collateral property securing an impaired loan. In instances where it is not deemed necessary to obtain a new appraisal, management would base its impairment and allowance for loan loss analysis on the original appraisal with adjustments for current conditions based on management’s assessment of market factors and management’s inspection of the property. Troubled Debt Restructurings The modification of a loan is considered to be a troubled debt restructuring (“TDR”) if the debtor is experiencing financial difficulties and the Company grants a concession to the debtor that it would not otherwise consider. By granting the concession, the Company expects to obtain more cash or other value from the debtor, or to increase the probability of receipt, than would be expected by not granting the concession. The concession may include, but is not limited to, reduction of the stated interest rate of the loan, reduction of accrued interest, extension of the maturity date or reduction of the face amount of the debt. A concession will be granted when, as a result of the restructuring, the Company does not expect to collect all amounts due, including interest at the original stated rate. A concession may also be granted if the debtor is not able to access funds elsewhere at a market rate for debt with similar risk characteristics as the restructured debt. The Company’s determination of whether a loan modification is a TDR considers the individual facts and circumstances surrounding each modification. A TDR can involve a loan remaining on nonaccrual, moving to nonaccrual or continuing on accrual status, depending on the individual facts and circumstances of the borrower. Generally, a nonaccrual loan that is restructured in a TDR remains on nonaccrual status for a period of at least six months following the restructuring in order to ensure that the borrower performs in accordance with the restructured terms, including consistent and timely payments of at least six consecutive months according to the restructured terms.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. The Company uses the straight line method of computing depreciation at rates adequate to amortize the cost of the applicable assets over their estimated useful lives. Maintenance and repairs are expensed as incurred. The cost and related accumulated depreciation of assets sold, or otherwise disposed of, are removed from the related accounts and any gain or loss is included in earnings.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned includes formally foreclosed property, property obtained via a deed in lieu of foreclosure. At the time of acquisition, foreclosed real estate is recorded at its fair value, less estimated costs to sell, which becomes the property’s new cost basis. Any write-downs based on the property’s fair value at the date of acquisition are charged to the allowance for loan losses. After acquisition or the decision to classify property as held for sale, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value, less estimated costs to sell. Costs incurred in maintaining other real estate owned and subsequent impairment adjustments to the carrying amount of a property, if any, are included in noninterest expense.
Cash Surrender Value of Life Insurance	Cash Surrender Value of Life Insurance The Bank has purchased life insurance policies on certain directors, officers and key employees to help offset costs associated with the Bank’s compensation and benefit programs. The Bank is the owner and is a joint or sole beneficiary of the policies. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Income from the increase in cash surrender value of the policies and income from the recognition of death benefits is reported in noninterest income.
Goodwill and Other Intangibles	Goodwill and Other Intangibles Goodwill recognized in a business combination represents the excess of the fair value of consideration transferred over the fair value of assets acquired and liabilities assumed. Goodwill is evaluated for possible impairment at least annually or more frequently upon the occurrence of an event or change in circumstances that would more likely than not reduce the fair value of the reporting unit below its carrying amount. Such circumstances could include, but are not limited to: (1) a significant adverse change in legal factors or in business climate, (2) unanticipated competition, or (3) an adverse action or assessment by a regulator. Other intangible assets consist of acquired core deposit intangibles. Core deposit intangibles are amortized over the estimated economic lives of the acquired core deposits. The carrying amount of core deposit intangibles and the remaining estimated economic life are evaluated annually or whenever events or circumstances indicate the carrying amount may not be recoverable or the remaining period of amortization requires revision.
Derivative Financial Instruments	Derivative Financial Instruments In connection with the origination of residential mortgage loans to be sold in the secondary market, the Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 15 to 60 days. The Company also enters into forward mortgage loan commitments to sell to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts are considered derivatives and are recorded on the balance sheet at fair value in accordance with FASB ASC 815, Derivatives and Hedging
Benefit Plans	Benefit Plans The Company provides a contributory defined contribution plan available to all eligible employees. The Company also established a leveraged employee stock ownership plan (“ESOP”) on October 6, 2008 that includes substantially all employees. The Company accounts for the ESOP in accordance with FASB ASC 718-40, Employee Stock Ownership Plans
Stock Based Compensation	Stock Based Compensation The Company has adopted the fair value based method of accounting for stock-based compensation prescribed in FASB ASC 718-20, Compensation – Stock Compensation
Income Taxes	Income Taxes When income tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while other positions are subject to some degree of uncertainty regarding the merits of the position taken or the amount of the position that would be sustained. The Company recognizes the benefits of a tax position in the consolidated financial statements of the period during which, based on all available evidence, management believes it is more-likely-than-not (more than 50 percent probable) that the tax position would be sustained upon examination. Income tax positions that meet the more-likely-than-not threshold are measured as the largest amount of income tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with the income tax positions claimed on income tax returns that exceeds the amount measured as described above is reflected as a liability for unrecognized income tax benefits in the consolidated balance sheets, along with any associated interest and penalties that would be payable to the taxing authorities, if there were an examination. Interest and penalties associated with unrecognized income tax benefits are classified as additional income taxes in the consolidated statements of income. ​ (1 – continued) Income Taxes - continued Income taxes are provided for the tax effects of the transactions reported in the financial statements and consist of taxes currently due plus deferred income taxes. Income tax reporting and financial statement reporting rules differ in many respects. As a result, there will often be a difference between the carrying amount of an asset or liability as presented in the accompanying consolidated balance sheets and the amount that would be recognized as the tax basis of the same asset or liability computed based on the effects of tax positions recognized, as described in the preceding paragraph. These differences are referred to as temporary differences because they are expected to reverse in future years. Deferred income tax assets are recognized for temporary differences where their future reversal will result in future tax benefits. Deferred income tax assets are also recognized for the future tax benefits expected to be realized from net operating loss or tax credit carryforwards. Deferred income tax liabilities are recognized for temporary differences where their future reversal will result in the payment of future income taxes. Deferred income tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or all of the deferred income tax assets will not be realized. Deferred tax assets and liabilities are reflected at income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes.
Advertising Costs	Advertising Costs Advertising costs are charged to operations when incurred.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Comprehensive income consists of reported net income and other comprehensive income. Other comprehensive income, recognized as a separate component of stockholders’ equity, includes the change in unrealized gains and losses on securities available for sale. Amounts reclassified out of unrealized gains or losses on securities available for sale included in accumulated other comprehensive income (loss) are included in the net gain on sales of available for sale securities or OTTI loss on securities line item in the consolidated statements of income.
Loss Contingencies	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Recent Accounting Pronouncements	Recent Accounting Pronouncements The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company: In June 2016, the FASB issued Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments – Credit Losses (Topic 326) In March 2022, the FASB issued ASU No. 2022-02, Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures. ​ (1 – continued) Recent Accounting Pronouncements - continued In June 2022, the FASB issued ASU No. 2022-03, Fair Value Measurements (Topic 820), Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions In November 2023, the FASB issued ASU 2027-03, Segment Reporting: Improvements to Reportable Segment Disclosures The Company has determined that all other recently issued accounting pronouncements will not have a material impact on the Company’s consolidated financial statements or do not apply to its operations.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Sep. 30, 2023
Investment Securities
Schedule of amortized cost of securities available for sale and held to maturity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2023: ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,598 ​ $ — ​ $ 4,649 ​ $ 25,949 Agency mortgage-backed ​ ​ 28,542 ​ ​ — ​ ​ 4,274 ​ ​ 24,268 Agency CMO ​ 14,064 ​ — ​ 1,322 ​ 12,742 Privately-issued CMO ​ 424 ​ 2 ​ 30 ​ 396 Privately-issued ABS ​ 433 ​ 13 ​ 3 ​ 443 SBA certificates ​ ​ 11,587 ​ ​ — ​ ​ 842 ​ ​ 10,745 Municipal bonds ​ 177,561 ​ 19 ​ 26,096 ​ 151,484 Subordinated debt ​ 2,000 ​ — ​ 288 ​ 1,712 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale ​ $ 265,209 ​ $ 34 ​ $ 37,504 ​ $ 227,739 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ Agency mortgage-backed ​ $ 36 ​ $ — ​ $ 1 ​ $ 35 Municipal bonds ​ 1,264 ​ 4 ​ — ​ 1,268 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,300 ​ $ 4 ​ $ 1 ​ $ 1,303 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2022: ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,809 ​ $ — ​ $ 3,514 ​ $ 27,295 Agency mortgage-backed ​ ​ 30,786 ​ ​ 3 ​ ​ 3,289 ​ ​ 27,500 Agency CMO ​ 15,562 ​ — ​ 741 ​ 14,821 Privately-issued CMO ​ 495 ​ 4 ​ 29 ​ 470 Privately-issued ABS ​ 561 ​ 16 ​ 8 ​ 569 SBA certificates ​ 12,255 ​ 1 ​ 244 ​ 12,012 Municipal bonds ​ 260,326 ​ 167 ​ 26,643 ​ 233,850 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 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	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value ​ ​ ​ Due within one year ​ $ 2,294 ​ $ 2,265 ​ $ 253 ​ $ 253 Due after one year through five years ​ 8,358 ​ 8,201 ​ 667 ​ 669 Due after five years through ten years ​ 47,503 ​ 41,617 ​ 344 ​ 346 Due after ten years ​ 152,004 ​ 127,062 ​ — ​ — CMO ​ 14,488 ​ 13,138 ​ — ​ — ABS ​ 433 ​ 443 ​ — ​ — SBA certificates ​ 11,587 ​ 10,745 ​ — ​ — Mortgage-backed securities ​ 28,542 ​ 24,268 ​ 36 ​ 35 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 265,209 ​ $ 227,739 ​ $ 1,300 ​ $ 1,303
Schedule of investment securities with gross unrealized losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized (Dollars in thousands) Positions Value Losses September 30, 2023: ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 5 ​ $ 1,576 ​ $ 49 Agency mortgage-backed ​ 2 ​ ​ 163 ​ ​ 8 Agency CMO ​ 1 ​ ​ 4,249 ​ ​ 462 SBA certificates ​ 1 ​ ​ 31 ​ ​ 3 Municipal bonds 43 ​ ​ 45,931 ​ ​ 3,334 Other ​ 1 ​ ​ 1,712 ​ ​ 288 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 53 ​ 53,662 ​ 4,144 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 1 ​ ​ 24,373 ​ ​ 4,600 Agency mortgage-backed 15 ​ 23,859 ​ 4,266 Agency CMO 14 ​ 8,493 ​ 860 Privately-issued CMO ​ 2 ​ ​ 375 ​ ​ 30 Privately-issued ABS ​ 1 ​ ​ 212 ​ ​ 3 SBA certificates 2 ​ 10,714 ​ 839 Municipal bonds 115 ​ 95,185 ​ 22,762 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 150 ​ 163,211 ​ 33,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 203 ​ $ 216,873 ​ $ 37,504 ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ 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 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
Summary of reported gross gains and losses on sales of available for sale securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Gross realized gains on sales ​ $ 341 ​ $ 488 ​ $ — Gross realized losses on sales ​ (892) ​ (12) ​ — Net realized gain (loss) on sales of available for sale securities ​ $ (551) ​ $ 476 ​ $ —

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Sep. 30, 2023
Loans and Allowance for Loan Losses
Schedule of loans	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Real estate mortgage: ​ ​ Residential ​ $ 528,410 ​ $ 368,211 Commercial ​ 187,232 ​ 169,861 Single tenant net lease ​ ​ 757,388 ​ ​ 674,567 SBA commercial (1) ​ ​ 47,078 ​ ​ 59,379 Multifamily ​ 34,892 ​ 32,411 Residential construction ​ 24,924 ​ 18,261 Commercial construction ​ 14,588 ​ 5,938 Land and land development ​ 17,234 ​ 11,880 Commercial business ​ 117,594 ​ 90,010 SBA commercial business (1) ​ ​ 16,939 ​ ​ 20,282 Consumer ​ ​ 39,915 ​ ​ 38,052 Total loans ​ 1,786,194 ​ 1,488,852 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net ​ 949 ​ 1,052 Allowance for loan losses ​ (16,900) ​ (15,360) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,770,243 ​ $ 1,474,544 ​ (1) Includes discounts on SBA loans of $3.3 million and $4.3 million at September 30, 2023 and 2022, respectively.
Summary of activity for related party loans	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Beginning balance ​ $ 7,656 ​ $ 5,975 New loans and advances ​ — ​ 5,022 Repayments ​ (205) ​ (2,531) Loans sold ​ ​ — ​ ​ (191) Reclassifications due to officer and director changes ​ (5,973) ​ (619) ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 1,478 ​ $ 7,656
Schedule of components of loans	The following tables provide the components of loans as of September 30,2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for ​ Evaluated for ​ ​ Loans as Evaluated for Impairment: ​ Impairment Impairment Loans ​ ​ ​ Residential real estate ​ $ 3,312 ​ $ 525,098 ​ $ 528,410 Commercial real estate ​ ​ 868 ​ ​ 186,364 ​ ​ 187,232 Single tenant net lease ​ ​ — ​ ​ 757,388 ​ ​ 757,388 SBA commercial real estate ​ ​ 7,415 ​ ​ 39,663 ​ ​ 47,078 Multifamily ​ ​ 318 ​ ​ 34,574 ​ ​ 34,892 Residential construction ​ ​ — ​ ​ 24,924 ​ ​ 24,924 Commercial construction ​ ​ — ​ ​ 14,588 ​ ​ 14,588 Land and land development ​ ​ — ​ ​ 17,234 ​ ​ 17,234 Commercial business ​ ​ 1,946 ​ ​ 115,648 ​ ​ 117,594 SBA commercial business ​ ​ 1,122 ​ ​ 15,817 ​ ​ 16,939 Consumer ​ ​ 233 ​ ​ 39,682 ​ ​ 39,915 ​ ​ $ 15,214 ​ $ 1,770,980 ​ $ 1,786,194 ​ (4 – continued) 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	The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ 74 $ 4,567 $ 4,641 Commercial real estate ​ ​ 2 ​ ​ 1,775 ​ ​ 1,777 Single tenant net lease ​ ​ — ​ ​ 3,810 ​ ​ 3,810 SBA commercial real estate ​ — ​ 1,922 ​ 1,922 Multifamily ​ ​ — ​ ​ 268 ​ ​ 268 Residential construction ​ ​ — ​ ​ 434 ​ ​ 434 Commercial construction ​ ​ — ​ ​ 282 ​ ​ 282 Land and land development ​ ​ — ​ ​ 307 ​ ​ 307 Commercial business ​ ​ 111 ​ ​ 1,603 ​ ​ 1,714 SBA commercial business ​ ​ 187 ​ ​ 1,060 ​ ​ 1,247 Consumer ​ ​ 189 ​ ​ 309 ​ ​ 498 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 563 ​ $ 16,337 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 years ended September 30, 2023, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2023: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ 1,980 ​ $ (71) ​ $ 16 ​ $ 4,641 Commercial real estate ​ 1,590 ​ 187 ​ — ​ — ​ 1,777 Single tenant net lease ​ ​ 3,838 ​ ​ (28) ​ ​ — ​ ​ — ​ ​ 3,810 SBA commercial real estate ​ ​ 2,578 ​ ​ (302) ​ ​ (357) ​ ​ 3 ​ ​ 1,922 Multifamily ​ ​ 251 ​ ​ 17 ​ ​ — ​ ​ — ​ ​ 268 Residential construction ​ ​ 305 ​ ​ 129 ​ ​ — ​ ​ — ​ ​ 434 Commercial construction ​ ​ 107 ​ ​ 175 ​ ​ — ​ ​ — ​ ​ 282 Land and land development ​ ​ 212 ​ ​ 95 ​ ​ — ​ ​ — ​ ​ 307 Commercial business ​ ​ 1,193 ​ ​ 452 ​ ​ — ​ ​ 69 ​ ​ 1,714 SBA commercial business ​ 2,122 ​ (357) ​ (569) ​ 51 ​ 1,247 Consumer ​ 448 ​ 264 ​ (250) ​ 36 ​ 498 ​ ​ $ 15,360 ​ $ 2,612 ​ $ (1,247) ​ $ 175 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ 2,806 ​ (1,216) ​ — ​ — ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ 1,346 ​ 1,413 ​ (698) ​ 61 ​ 2,122 Consumer ​ 523 ​ 61 ​ (175) ​ 39 ​ 448 ​ ​ $ 14,301 ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Provisions ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Ending Balance ​ ​ (In thousands) 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,255 ​ $ 170 ​ $ (11) ​ $ 24 ​ $ 1,438 Commercial real estate ​ ​ 3,058 ​ ​ (252) ​ ​ — ​ ​ — ​ ​ 2,806 Single tenant net lease ​ ​ 3,017 ​ ​ (595) ​ ​ — ​ ​ — ​ ​ 2,422 SBA commercial real estate ​ ​ 4,154 ​ ​ 234 ​ ​ (936) ​ ​ 23 ​ ​ 3,475 Multifamily ​ ​ 772 ​ ​ (254) ​ ​ — ​ ​ — ​ ​ 518 Residential construction ​ ​ 243 ​ ​ (52) ​ ​ — ​ ​ — ​ ​ 191 Commercial construction ​ ​ 181 ​ ​ (118) ​ ​ — ​ ​ — ​ ​ 63 Land and land development ​ ​ 243 ​ ​ (8) ​ ​ — ​ ​ — ​ ​ 235 Commercial business ​ ​ 1,449 ​ ​ (170) ​ ​ — ​ ​ 5 ​ ​ 1,284 SBA commercial business ​ ​ 1,539 ​ ​ (211) ​ ​ (21) ​ ​ 39 ​ ​ 1,346 Consumer ​ ​ 1,115 ​ ​ (511) ​ ​ (156) ​ ​ 75 ​ ​ 523 ​ ​ $ 17,026 ​ $ (1,767) ​ $ (1,124) ​ $ 166 ​ $ 14,301
Schedule of impaired loans individually evaluated for impairment	(4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2023. Interest income recognized approximates cash paid for interest for the year ended September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,989 ​ $ 2,139 ​ $ — ​ $ 2,822 ​ $ 52 Commercial real estate ​ 551 ​ 627 ​ — ​ 886 ​ 23 Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ 9,397 ​ ​ — ​ ​ 7,484 ​ ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — ​ ​ 371 ​ ​ 15 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 870 ​ 972 ​ — ​ 925 ​ 37 SBA commercial business ​ 684 ​ 1,799 ​ — ​ 839 ​ — Consumer ​ 44 ​ 58 ​ — ​ 61 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 11,871 ​ $ 15,354 ​ $ — ​ $ 13,388 ​ $ 127 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,323 ​ $ 1,328 ​ $ 74 ​ $ 365 ​ $ — Commercial real estate ​ 317 ​ 317 ​ 2 ​ 63 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,146 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,076 ​ 1,165 ​ 111 ​ 296 ​ — SBA commercial business ​ 438 ​ 637 ​ 187 ​ 1,049 ​ — Consumer ​ 189 ​ 189 ​ 189 ​ 190 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,343 ​ $ 3,636 ​ $ 563 ​ $ 3,109 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,312 ​ $ 3,467 ​ $ 74 ​ $ 3,187 ​ $ 52 Commercial real estate ​ 868 ​ 945 ​ 2 ​ 949 ​ 23 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ 9,397 ​ ​ — ​ ​ 8,630 ​ ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — ​ ​ 371 ​ ​ 15 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,946 ​ 2,137 ​ 111 ​ 1,221 ​ 37 SBA commercial business ​ 1,122 ​ 2,436 ​ 187 ​ 1,888 ​ — Consumer ​ 233 ​ 247 ​ 189 ​ 251 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 15,214 ​ $ 18,990 ​ $ 563 ​ $ 16,497 ​ $ 127 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2022. Interest income recognized approximates cash paid for interest for the year ended September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — ​ $ 2,978 ​ $ 45 Commercial real estate ​ ​ 908 ​ ​ 982 ​ ​ — ​ ​ 1,038 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 5,197 ​ ​ 5,952 ​ ​ — ​ ​ 7,235 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 998 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 182 ​ 532 ​ — ​ 412 ​ — Consumer ​ 93 ​ 81 ​ — ​ 91 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 9,976 ​ $ 11,658 ​ $ — ​ $ 13,487 ​ $ 92 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ 206 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,385 ​ ​ 2,919 ​ ​ 290 ​ ​ 2,213 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ — ​ — SBA commercial business ​ 895 ​ 1,349 ​ 674 ​ 802 ​ — Consumer ​ 145 ​ 145 ​ — ​ 146 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,425 ​ $ 4,413 ​ $ 964 ​ $ 3,367 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — ​ $ 3,184 ​ $ 45 Commercial real estate ​ ​ 908 ​ ​ 982 ​ ​ — ​ ​ 1,038 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,582 ​ ​ 8,871 ​ ​ 290 ​ ​ 9,448 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 998 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 1,077 ​ 1,881 ​ 674 ​ 1,214 ​ — Consumer ​ 238 ​ 226 ​ — ​ 237 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,401 ​ $ 16,071 ​ $ 964 ​ $ 16,854 ​ $ 92 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2021. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,003 ​ $ 3,551 ​ $ — ​ $ 4,383 ​ $ 68 Commercial real estate ​ 1,021 ​ ​ 1,092 ​ ​ — ​ ​ 1,148 ​ ​ 29 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 8,282 ​ ​ 8,873 ​ ​ — ​ ​ 4,738 ​ ​ — Multifamily ​ ​ 482 ​ ​ 539 ​ ​ — ​ ​ 638 ​ ​ — Residential construction ​ ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 1 ​ — Commercial business ​ 1,476 ​ 1,559 ​ — ​ 1,664 ​ 3 SBA commercial business ​ 1,275 ​ 1,534 ​ — ​ 820 ​ — Consumer ​ 104 ​ 97 ​ — ​ 90 ​ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 15,643 ​ $ 17,245 ​ $ — ​ $ 13,482 ​ $ 102 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 64 ​ $ 65 ​ $ — ​ $ 108 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 871 ​ ​ 1,394 ​ ​ 114 ​ ​ 3,389 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ 1 ​ — SBA commercial business ​ 21 ​ 21 ​ 18 ​ 248 ​ — Consumer ​ 144 ​ 144 ​ 1 ​ 169 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,100 ​ $ 1,624 ​ $ 133 ​ $ 3,915 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,067 ​ $ 3,616 ​ $ — ​ $ 4,491 ​ $ 68 Commercial real estate ​ 1,021 ​ ​ 1,092 ​ ​ — ​ ​ 1,148 ​ ​ 29 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 9,153 ​ ​ 10,267 ​ ​ 114 ​ ​ 8,127 ​ ​ — Multifamily ​ ​ 482 ​ ​ 539 ​ ​ — ​ ​ 638 ​ ​ — Residential construction ​ ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ 1 ​ — Commercial business ​ 1,476 ​ 1,559 ​ — ​ 1,665 ​ 3 SBA commercial business ​ 1,296 ​ 1,555 ​ 18 ​ 1,068 ​ — Consumer ​ 248 ​ 241 ​ 1 ​ 259 ​ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 16,743 ​ $ 18,869 ​ $ 133 ​ $ 17,397 ​ $ 102 ​ ​
Schedule of nonperforming loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 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 ​ $ 2,426 ​ $ — ​ $ 2,426 ​ $ 1,213 ​ $ — ​ $ 1,213 Commercial real estate ​ 511 ​ — ​ 511 ​ 516 ​ — ​ 516 Single tenant net lease ​ — ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ — ​ ​ 7,415 ​ ​ 7,725 ​ ​ — ​ ​ 7,725 Multifamily ​ ​ 318 ​ ​ — ​ ​ 318 ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,946 ​ — ​ 1,946 ​ 73 ​ — ​ 73 SBA commercial business ​ 1,099 ​ — ​ 1,099 ​ 1,091 ​ — ​ 1,091 Consumer ​ 233 ​ — ​ 233 ​ 238 ​ — ​ 238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 13,948 ​ $ — ​ $ 13,948 ​ $ 10,856 ​ $ — ​ $ 10,856
Schedule of aging of recorded investment in past due loans	The following table presents the aging of the recorded investment in past due loans at September 30, 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 ​ $ 2,715 ​ $ 132 ​ $ 1,818 ​ $ 4,665 ​ $ 523,745 ​ $ 528,410 Commercial real estate ​ 23 ​ 62 ​ — ​ 85 ​ 187,147 ​ 187,232 Single tenant net lease ​ — ​ — ​ — ​ — ​ 757,388 ​ 757,388 SBA commercial real estate ​ ​ 764 ​ ​ — ​ ​ 3,877 ​ ​ 4,641 ​ ​ 42,437 ​ ​ 47,078 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 34,892 ​ ​ 34,892 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 24,924 ​ ​ 24,924 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,588 ​ ​ 14,588 Land and land development ​ 40 ​ — ​ — ​ 40 ​ 17,194 ​ 17,234 Commercial business ​ 112 ​ — ​ 86 ​ 198 ​ 117,396 ​ 117,594 SBA commercial business ​ 130 ​ — ​ 682 ​ 812 ​ 16,127 ​ 16,939 Consumer ​ 137 ​ 5 ​ 36 ​ 178 ​ 39,737 ​ 39,915 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,921 ​ $ 199 ​ $ 6,499 ​ $ 10,619 ​ $ 1,775,575 ​ $ 1,786,194 ​ ​ (4 – continued) The following table presents the aging of the recorded investment in past due loans at September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) Residential real estate ​ $ 1,169 ​ $ 53 ​ $ 204 ​ $ 1,426 ​ $ 366,785 ​ $ 368,211 Commercial real estate ​ — ​ — ​ 516 ​ 516 ​ 169,345 ​ 169,861 Single tenant net lease ​ — ​ — ​ — ​ — ​ 674,567 ​ 674,567 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 3,370 ​ ​ 3,370 ​ ​ 56,009 ​ ​ 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 ​ 231 ​ — ​ 237 ​ 468 ​ 19,814 ​ 20,282 Consumer ​ 95 ​ — ​ 58 ​ 153 ​ 37,899 ​ 38,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,495 ​ $ 53 ​ $ 4,458 ​ $ 6,006 ​ $ 1,482,846 ​ $ 1,488,852 ​
Schedule of investment in loans by risk category	Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. The following table presents the recorded investment in loans by risk category as of September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ September 30, 2023: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 525,735 ​ $ — ​ $ 2,653 ​ $ 22 ​ $ — ​ $ 528,410 Commercial real estate ​ 186,520 ​ — ​ 712 ​ — ​ — ​ 187,232 Single tenant net lease ​ ​ 757,388 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 757,388 SBA commercial real estate ​ ​ 39,092 ​ ​ 278 ​ ​ 6,083 ​ ​ 1,625 ​ ​ — ​ ​ 47,078 Multifamily ​ ​ 34,574 ​ ​ — ​ ​ 318 ​ ​ — ​ ​ — ​ ​ 34,892 Residential construction ​ ​ 24,924 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 24,924 Commercial construction ​ ​ 14,588 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,588 Land and land development ​ ​ 17,234 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 17,234 Commercial business ​ 115,647 ​ 40 ​ 1,907 ​ — ​ — ​ 117,594 SBA commercial business ​ 14,572 ​ — ​ 2,327 ​ 40 ​ — ​ 16,939 Consumer ​ 39,871 ​ — ​ 44 ​ — ​ — ​ 39,915 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,770,145 ​ $ 318 ​ $ 14,044 ​ $ 1,687 ​ $ — ​ $ 1,786,194 ​ The following table presents the recorded investment in loans by risk category as of September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total ​ ​ (In thousands) Residential real estate ​ $ 366,540 ​ $ — ​ $ 1,501 ​ $ 170 ​ $ — ​ $ 368,211 Commercial real estate ​ 169,134 ​ — ​ 727 ​ — ​ — ​ 169,861 Single tenant net lease ​ 674,567 ​ — ​ — ​ — ​ — ​ 674,567 SBA commercial real estate ​ 49,459 ​ 1,143 ​ 7,112 ​ 1,665 ​ — ​ 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 ​ 17,202 ​ 284 ​ 2,755 ​ 41 ​ — ​ 20,282 Consumer ​ 37,959 ​ — ​ 93 ​ — ​ — ​ 38,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,473,026 ​ $ 1,677 ​ $ 12,273 ​ $ 1,876 ​ $ — ​ $ 1,488,852
Schedule of Troubled Debt Restructurings	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pre- Post- ​ ​ ​ ​ Modification ​ Modification ​ ​ Number of ​ Principal ​ Principal ​ ​ Loans ​ Balance ​ Balance ​ ​ ​ ​ (Dollars in thousands) September 30, 2023: ​ ​ Residential real estate 1 ​ $ 31 ​ $ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 31 ​ $ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ SBA commercial business 1 ​ $ 397 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 397 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ Commercial business ​ 1 ​ ​ 126 ​ ​ 126 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 126 ​ $ 126
SBA Loan Servicing Rights [Member]
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance as of October 1 $ 3,790 ​ $ 4,447 ​ $ 3,748 Servicing rights capitalized 768 ​ 846 ​ 1,980 Amortization (728) ​ (1,287) ​ (1,215) Direct write-offs (999) ​ (43) ​ (92) Change in valuation allowance 119 ​ (173) ​ 26 Balance as of September 30 $ 2,950 ​ $ 3,790 ​ $ 4,447
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2023 2022 Discount rate 10.25% to 25.00% (13.79%) 6.90% to 25.00% (12.71%) Prepayment rate 8.60% to 32.85% (16.91%) 7.08% to 29.26% (15.27%)
Schedule of loan servicing fees	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Late fees and ancillary fees earned ​ $ 69 ​ $ 93 ​ $ 88 Net servicing income ​ 2,114 ​ 2,425 ​ 2,171 SBA net servicing fees ​ $ 2,183 ​ $ 2,518 ​ $ 2,259
Schedule of valuation allowance for impairment of recognized servicing assets	An analysis of the valuation allowance related to SBA loan servicing rights for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Balance as of October 1 ​ $ 179 ​ $ 6 ​ $ 32 Additions (reductions) charged to earnings ​ 880 ​ 216 ​ 66 Write-downs charged against allowance ​ (999) ​ (43) ​ (92) Balance as of September 30 ​ $ 60 ​ $ 179 ​ $ 6
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	Changes in the carrying value of MSRs accounted for at fair value for the years ended September 30, 2023, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2023 ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value as of October 1 ​ $ 63,263 ​ $ 49,579 ​ $ 21,703 Servicing rights capitalized ​ ​ 2,354 ​ ​ 11,161 ​ ​ 36,679 Changes in fair value related to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (4,237) ​ ​ (7,539) ​ ​ (9,555) Changes in valuation model inputs or assumptions ​ ​ (1,612) ​ ​ 10,062 ​ ​ 752 Fair value as of September 30 ​ $ 59,768 ​ $ 63,263 ​ $ 49,579
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2023 2022 Discount rate 9.44% to 14.50% (9.51%) ​ 9.50% to 14.50% (9.51%) Prepayment rate 5.00% to 85.82% (6.82%) ​ 6.01% to 74.89% (6.63%)
Nonresidential MSR
Loans and Allowance for Loan Losses
Schedule of loan servicing fees	An analysis of nonresidential MSRs for September 30, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 ​ ​ ​ Balance, beginning of year ​ $ 141 ​ $ — Servicing rights capitalized ​ — ​ 160 Amortization ​ (40) ​ (19) Direct write-offs ​ — ​ — Changes in valuation allowance ​ — ​ — Balance, end of year ​ $ 101 ​ $ 141

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Sep. 30, 2023
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Land and land improvements ​ $ 5,375 ​ $ 5,328 Office buildings ​ 25,337 ​ 23,942 Leasehold improvements ​ 66 ​ 66 Furniture, fixtures and equipment ​ ​ 10,442 ​ ​ 9,187 Construction in progress ​ 671 ​ 749 ​ ​ $ 41,891 ​ $ 39,272 Less: accumulated depreciation ​ (14,030) ​ (12,172) ​ ​ ​ ​ ​ ​ ​ Totals ​ $ 27,861 ​ $ 27,100 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Depreciation expense ​ $ 2,108 ​ $ 2,125 ​ $ 2,023 ​

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Sep. 30, 2023
OTHER REAL ESTATE OWNED
Other Real Estate, Roll Forward	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Balance as of October 1 ​ $ 203 ​ $ 1,728 ​ $ 1,728 Transfers from loans to other real estate owned ​ 474 ​ — ​ 426 Transfers from OREO to premises and equipment ​ — ​ (721) ​ — Sales ​ — ​ (804) ​ (426) Balance as of September 30 ​ $ 677 ​ $ 203 ​ $ 1,728
Schedule Of Gain Loss On Other Real Estate Owned	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Net (gain)/loss on sales ​ $ — ​ $ 115 ​ $ (74) Operating expenses, net of rental income ​ 4 ​ — ​ 10 ​ ​ $ 4 ​ $ 115 ​ $ (64) ​

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	12 Months Ended
	Sep. 30, 2023
GOODWILL AND OTHER INTANGIBLES
Changes in carrying amount of goodwill	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Beginning balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 Impairment ​ — ​ — ​ — Ending balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848
Summary of other intangible assets	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Core deposit intangible acquired in Community First acquisition ​ $ 2,741 ​ $ 2,741 Core deposit intangible acquired in First Federal branch acquisition ​ 566 ​ 566 Core deposit intangible acquired in Dearmin/FNBO acquisition ​ 1,487 ​ 1,487 Less accumulated amortization ​ (4,233) ​ (4,019) Ending balance ​ $ 561 ​ $ 775
Schedule of intangible assets amortization expenses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Amortization expense ​ $ 214 ​ $ 214 ​ $ 214
Estimated amortization expense for the core deposit intangibles	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2024 ​ $ 163 2025 ​ 163 2026 ​ 163 2027 ​ 72 Total ​ $ 561 ​

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Sep. 30, 2023
Deposits
Schedule of deposits	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 242,237 ​ $ 340,172 NOW accounts ​ 336,446 ​ 343,296 Money market accounts ​ 323,739 ​ 238,219 Savings accounts ​ 170,073 ​ 171,779 Retail time deposits ​ 170,980 ​ 129,864 Brokered certificates of deposit ​ 438,319 ​ 292,504 ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,681,794 ​ $ 1,515,834
Schedule of maturities of certificates of deposit	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2024 ​ $ 573,052 2025 ​ 18,072 2026 ​ 6,732 2027 ​ 4,354 2028 ​ ​ 7,089 Total ​ $ 609,299

BORROWINGS FROM FEDERAL HOME _2

BORROWINGS FROM FEDERAL HOME LOAN BANK (Tables)	12 Months Ended
	Sep. 30, 2023
BORROWINGS FROM FEDERAL HOME LOAN BANK
Borrowings from the FHLB	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 ​ 2022 ​ Weighted ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ ​ Average ​ ​ ​ (Dollars in thousands) ​ Rate ​ Amount ​ Rate ​ Amount Advances maturing in: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 — % $ — 3.00 % $ 130,000 2024 5.51 ​ 40,000 — ​ — 2025 1.51 ​ 10,000 1.51 ​ 10,000 2026 1.13 ​ 20,000 1.13 ​ 20,000 2027 — ​ — — ​ — 2028 and beyond ​ 2.63 ​ ​ 285,000 ​ 1.27 ​ ​ 135,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total advances ​ ​ 355,000 ​ ​ 295,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Line of credit balance 5.66 ​ 8,183 3.45 ​ 12,303 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total borrowings from FHLB ​ $ 363,183 ​ $ 307,303

DEFERRED COMPENSATION PLANS (Ta

DEFERRED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2023
Director
DEFERRED COMPENSATION PLANS
Schedule of deferred compensation expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Deferred directors’ fee expense ​ $ 241 ​ $ 202 ​ $ 166 ​

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Sep. 30, 2023
BENEFIT PLANS
Schedule of defined contributions to the plan	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Company contributions to the plan ​ $ 1,216 ​ $ 1,366 ​ $ 1,633

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2023
STOCK-BASED COMPENSATION PLANS
Schedule stock based compensation expense related to stock options and restricted stock	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Stock option expense ​ $ 302 ​ $ 296 ​ $ 92 Restricted stock expense ​ 396 ​ 391 ​ 184
Schedule of fair value of options granted	The fair value of options granted during the year ended September 30, 2023 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 2.93 % Risk-free interest rate ​ 3.94 % Expected volatility ​ 27.7 % Expected life of options ​ 6.8 years ​ Weighted average fair value at grant date ​ $ 5.71 ​ ​ The fair value of options granted during the year ended September 30, 2022 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 2.32 % Risk-free interest rate ​ 1.55 % Expected volatility ​ 27.0 % Expected life of options ​ 7.1 years ​ Weighted average fair value at grant date ​ $ 7.03 ​ ​ The fair value of options granted during the year ended September 30, 2021 was determined using the following assumptions: ​ ​ ​ ​ ​ ​ Expected dividend yield ​ 1.75 % Risk-free interest rate ​ 2.13 % Expected volatility ​ 14.6 % Expected life of options ​ 7.5 years ​ Weighted average fair value at grant date ​ $ 6.13 ​
Schedule of stock option activity	A summary of stock option activity as of September 30, 2023, and changes during the year then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ Weighted ​ Average ​ ​ ​ ​ ​ ​ ​ Average ​ Remaining ​ Aggregate ​ ​ Number of ​ Exercise ​ Contractual ​ Intrinsic ​ ​ Shares ​ Price ​ Term (Years) ​ Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Outstanding at beginning of year 351,369 ​ $ 20.57 ​ Granted 66,000 ​ 22.49 ​ Exercised (1,200) ​ 13.36 ​ Forfeited or expired (7,500) ​ 26.72 ​ Outstanding at end of year 408,669 ​ $ 20.79 6.3 ​ $ 174,000 Vested and expected to vest 408,669 ​ $ 20.79 6.3 ​ $ 174,000 Exercisable at end of year 224,010 ​ $ 17.80 4.6 ​ $ 174,000
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 September 30, 2023 54,916 ​ $ 24.73

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Sep. 30, 2023
INCOME TAXES
Schedule of components of income tax expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Current ​ $ 726 ​ $ 256 ​ $ 2,166 Valuation allowance ​ 109 ​ (78) ​ (34) Deferred ​ (825) ​ 1,745 ​ 7,865 Income tax expense ​ $ 10 ​ $ 1,923 ​ $ 9,997
Schedule of reconciliation of income tax expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Provision at federal statutory rate ​ $ 1,718 ​ $ 3,635 ​ $ 8,308 State income tax-net of federal tax benefit ​ 119 ​ 160 ​ 901 Tax-exempt interest income ​ (1,684) ​ (1,314) ​ (1,045) Bank owned life insurance ​ (227) ​ (209) ​ (194) Captive insurance net premiums ​ 83 ​ (375) ​ (303) Increase (decrease) in federal deferred tax valuation allowance ​ 109 ​ (78) ​ (20) Nondeductible officer compensation ​ — ​ — ​ 2,238 Nondeductible expenses ​ ​ 179 ​ ​ 99 ​ ​ — Tax credits ​ ​ (352) ​ ​ — ​ ​ — Other ​ 65 ​ 5 ​ 112 Income tax expense ​ $ 10 ​ $ 1,923 ​ $ 9,997
Schedule of deferred tax assets and liabilities	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 ​ ​ ​ ​ ​ ​ Deferred tax assets: ​ ​ Allowance for loan losses ​ $ 4,150 ​ $ 3,719 Operating lease liability ​ 1,068 ​ 1,100 Deferred compensation plans ​ 386 ​ 354 Equity incentive plans ​ 127 ​ 117 Other-than-temporary impairment loss on available for sale securities ​ 15 ​ 17 Interest on nonaccrual loans ​ 253 ​ 165 Loss on tax credit investments ​ 244 ​ 1,638 Unrealized loss on securities available for sale ​ 7,882 ​ 7,198 Net operating loss carryforwards ​ — ​ 1,072 Tax credit carryforwards ​ ​ 2,407 ​ ​ — Capital loss carryforwards ​ ​ 1,679 ​ ​ — Mark to market adjustments ​ ​ 350 ​ ​ 514 Accrued expenses ​ ​ 1,025 ​ ​ 96 Other ​ 952 ​ 1,100 Gross deferred tax assets ​ 20,538 ​ 17,090 Valuation allowance ​ (1,679) ​ (1,570) Net deferred tax assets ​ 18,859 ​ 15,520 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Accumulated depreciation ​ (2,269) ​ (2,099) Operating lease right of use asset ​ ​ (1,027) ​ ​ (1,069) Installment sale ​ (349) ​ (349) Acquisition purchase accounting adjustments ​ (1,173) ​ (1,284) Mortgage servicing rights ​ (14,775) ​ (15,498) FHLB stock dividends ​ (72) ​ (71) Prepaid expenses ​ (419) ​ (893) Deferred loan fees and costs, net ​ ​ (215) ​ ​ (136) Other ​ (274) ​ (101) Deferred tax liabilities ​ (20,573) ​ (21,500) ​ ​ ​ ​ ​ ​ ​ Net deferred tax liability ​ $ (1,714) ​ $ (5,980)

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Sep. 30, 2023
LEASES
Schedule of components of lease	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating lease cost ​ $ 552 ​ $ 621 ​ $ 1,204 Short-term lease cost ​ ​ 273 ​ ​ 501 ​ ​ 836 ​ ​ $ 825 ​ $ 1,122 ​ $ 2,040
Schedule of future minimum commitments due under the lease agreements	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2024 ​ $ 347 2025 ​ 291 2026 ​ 249 2027 ​ 211 2028 ​ 212 Thereafter ​ 4,779 Total lease payments ​ 6,089 Less imputed interest ​ ​ (1,734) Total ​ $ 4,355
Schedule of lease term and discount rate	​ ​ ​ ​ ​ ​ ​ ​ 2023 2022 ​ Weighted-average remaining lease term (years) 23.0 ​ 23.7 ​ Weighted-average discount rate ​ 2.97 % 2.89 %
Schedule of supplemental cash flow information related to leases	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 512 ​ $ 607 ​ $ 1,253 ROU assets obtained in exchange for lease obligations: ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating leases ​ $ 188 ​ $ 275 ​ $ 2,038
Schedule of lessor future minimum lease payments	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2024 $ 469 2025 ​ 354 2026 ​ 8 2027 ​ 8 2028 ​ 5 2029 and thereafter ​ — Total $ 844 ​

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Sep. 30, 2023
Commitments to extend credit
COMMITMENTS AND CONTINGENCIES
Schedule of fair value, off-balance sheet risks	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 Loan commitments: ​ ​ Fixed rate ​ $ 15,220 ​ $ 53,692 Adjustable rate ​ 54,157 ​ 71,167 ​ ​ ​ ​ ​ ​ ​ Guarantees of third-party revolving credit ​ 290 ​ 286 Undisbursed portion of home equity lines of credit ​ 147,398 ​ 105,208 Undisbursed portion of commercial and personal lines of credit ​ 64,330 ​ 52,146 Undisbursed portion of construction loans in process ​ 72,859 ​ 45,265 Total commitments to extend credit ​ $ 354,254 ​ $ 327,764

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Sep. 30, 2023
DERIVATIVE FINANCIAL INSTRUMENTS
Schedule of derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 67,040 ​ $ 452 ​ $ 184 Forward mortgage loan sale contracts ​ 66,000 ​ 471 ​ 12 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 133,040 ​ $ 923 ​ $ 196 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 48,952 ​ $ 158 ​ $ 396 Forward mortgage loan sale contracts ​ 60,000 ​ 872 ​ 31 ​ ​ $ 108,952 ​ $ 1,030 ​ $ 427
Schedule of income (loss) related to derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 505 ​ $ (1,805) ​ $ (13,370) Forward mortgage loan sale contracts ​ 1,353 ​ 20,398 ​ 4,140 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,858 ​ $ 18,593 ​ $ (9,230) ​

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Sep. 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 (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 25,949 ​ $ — ​ $ — ​ $ 25,949 Agency mortgage-backed ​ ​ — ​ ​ 24,268 ​ ​ — ​ ​ 24,268 Agency CMO ​ — ​ 12,742 ​ — ​ 12,742 Privately-issued CMO ​ — ​ 46 ​ 350 ​ 396 Privately-issued ABS ​ — ​ 364 ​ 79 ​ 443 SBA certificates ​ — ​ 10,714 ​ 31 ​ 10,745 Municipal bonds ​ — ​ 151,484 ​ — ​ 151,484 Subordinated debt ​ ​ — ​ ​ 1,712 ​ ​ — ​ ​ 1,712 Total securities available for sale ​ $ 25,949 ​ $ 201,330 ​ $ 460 ​ $ 227,739 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 24,692 ​ $ — ​ $ 24,692 Derivative assets (included in other assets) ​ $ — ​ $ 471 ​ $ 452 ​ $ 923 Equity securities (included in other assets) ​ $ 160 ​ $ — ​ $ — ​ $ 160 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 59,768 ​ $ 59,768 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 12 ​ $ 184 ​ $ 196 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 306 ​ $ 306 Commercial business ​ — ​ — ​ 965 ​ 965 SBA commercial business ​ ​ — ​ ​ — ​ ​ 237 ​ ​ 237 Total collateral dependent loans ​ $ — ​ $ — ​ $ 1,508 ​ $ 1,508 SBA loan servicing rights ​ $ — ​ $ — ​ $ 2,950 ​ $ 2,950 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ — ​ $ 27,295 ​ $ — ​ $ 27,295 Agency mortgage-backed ​ ​ — ​ ​ 27,500 ​ ​ — ​ ​ 27,500 Agency CMO ​ — ​ 14,821 ​ — ​ 14,821 Privately-issued CMO ​ — ​ 470 ​ — ​ 470 Privately-issued ABS ​ — ​ 569 ​ — ​ 569 SBA certificates ​ — ​ 12,012 ​ — ​ 12,012 Municipal bonds ​ — ​ 233,850 ​ — ​ 233,850 Total securities available for sale ​ $ — ​ $ 316,517 ​ $ — ​ $ 316,517 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 38,579 ​ $ — ​ $ 38,579 Derivative assets (included in other assets) ​ $ — ​ $ 872 ​ $ 158 ​ $ 1,030 Equity securities (included in other assets) ​ $ 103 ​ $ — ​ $ — ​ $ 103 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 63,263 ​ $ 63,263 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 31 ​ $ 396 ​ $ 427 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ 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)	The table below presents a reconciliation of derivative assets and liabilities (interest rate lock commitments) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2023 ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ (238) ​ $ 1,567 ​ $ 14,937 Unrealized gains (losses) recognized in earnings, net of settlements ​ 506 ​ (1,805) ​ (13,370) ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 268 ​ $ (238) ​ $ 1,567
Schedule of significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	The table below presents information about significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis as of September 30, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 Range ​ 2022 Range ​ ​ Significant ​ of Inputs ​ of Inputs ​ Unobservable (Weighted (Weighted Financial Instrument ​ Inputs ​ Average) ​ Average) ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 54% - 95% (81%) 50% - 100% (78%) ​ ​ Direct costs to close 0.00%-5.00% (0.62%) 0.00% - 4.00% (0.70%)
Summary of reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs	The table below presents a reconciliation of residential MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Beginning balance $ 63,263 ​ $ 49,579 ​ $ 21,703 Issuances (loans sold with servicing retained) ​ 2,354 ​ ​ 11,161 ​ ​ 36,679 Net settlements ​ (4,237) ​ ​ (7,539) ​ ​ (9,555) Unrealized gains (losses) included in earnings ​ (1,612) ​ ​ 10,062 ​ ​ 752 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance $ 59,768 ​ $ 63,263 ​ $ 49,579
Schedule of Provisions for loan losses recognized for impaired loans	The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate $ 74 $ 4,567 $ 4,641 Commercial real estate ​ ​ 2 ​ ​ 1,775 ​ ​ 1,777 Single tenant net lease ​ ​ — ​ ​ 3,810 ​ ​ 3,810 SBA commercial real estate ​ — ​ 1,922 ​ 1,922 Multifamily ​ ​ — ​ ​ 268 ​ ​ 268 Residential construction ​ ​ — ​ ​ 434 ​ ​ 434 Commercial construction ​ ​ — ​ ​ 282 ​ ​ 282 Land and land development ​ ​ — ​ ​ 307 ​ ​ 307 Commercial business ​ ​ 111 ​ ​ 1,603 ​ ​ 1,714 SBA commercial business ​ ​ 187 ​ ​ 1,060 ​ ​ 1,247 Consumer ​ ​ 189 ​ ​ 309 ​ ​ 498 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 563 ​ $ 16,337 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 years ended September 30, 2023, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2023: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ 1,980 ​ $ (71) ​ $ 16 ​ $ 4,641 Commercial real estate ​ 1,590 ​ 187 ​ — ​ — ​ 1,777 Single tenant net lease ​ ​ 3,838 ​ ​ (28) ​ ​ — ​ ​ — ​ ​ 3,810 SBA commercial real estate ​ ​ 2,578 ​ ​ (302) ​ ​ (357) ​ ​ 3 ​ ​ 1,922 Multifamily ​ ​ 251 ​ ​ 17 ​ ​ — ​ ​ — ​ ​ 268 Residential construction ​ ​ 305 ​ ​ 129 ​ ​ — ​ ​ — ​ ​ 434 Commercial construction ​ ​ 107 ​ ​ 175 ​ ​ — ​ ​ — ​ ​ 282 Land and land development ​ ​ 212 ​ ​ 95 ​ ​ — ​ ​ — ​ ​ 307 Commercial business ​ ​ 1,193 ​ ​ 452 ​ ​ — ​ ​ 69 ​ ​ 1,714 SBA commercial business ​ 2,122 ​ (357) ​ (569) ​ 51 ​ 1,247 Consumer ​ 448 ​ 264 ​ (250) ​ 36 ​ 498 ​ ​ $ 15,360 ​ $ 2,612 ​ $ (1,247) ​ $ 175 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ 2,806 ​ (1,216) ​ — ​ — ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ 1,346 ​ 1,413 ​ (698) ​ 61 ​ 2,122 Consumer ​ 523 ​ 61 ​ (175) ​ 39 ​ 448 ​ ​ $ 14,301 ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Provisions ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Ending Balance ​ ​ (In thousands) 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,255 ​ $ 170 ​ $ (11) ​ $ 24 ​ $ 1,438 Commercial real estate ​ ​ 3,058 ​ ​ (252) ​ ​ — ​ ​ — ​ ​ 2,806 Single tenant net lease ​ ​ 3,017 ​ ​ (595) ​ ​ — ​ ​ — ​ ​ 2,422 SBA commercial real estate ​ ​ 4,154 ​ ​ 234 ​ ​ (936) ​ ​ 23 ​ ​ 3,475 Multifamily ​ ​ 772 ​ ​ (254) ​ ​ — ​ ​ — ​ ​ 518 Residential construction ​ ​ 243 ​ ​ (52) ​ ​ — ​ ​ — ​ ​ 191 Commercial construction ​ ​ 181 ​ ​ (118) ​ ​ — ​ ​ — ​ ​ 63 Land and land development ​ ​ 243 ​ ​ (8) ​ ​ — ​ ​ — ​ ​ 235 Commercial business ​ ​ 1,449 ​ ​ (170) ​ ​ — ​ ​ 5 ​ ​ 1,284 SBA commercial business ​ ​ 1,539 ​ ​ (211) ​ ​ (21) ​ ​ 39 ​ ​ 1,346 Consumer ​ ​ 1,115 ​ ​ (511) ​ ​ (156) ​ ​ 75 ​ ​ 523 ​ ​ $ 17,026 ​ $ (1,767) ​ $ (1,124) ​ $ 166 ​ $ 14,301
Schedule of Impairment Charges to Write Down SBA Loan Servicing Rights at Fair Value	Impairment charges to write down SBA loan servicing rights to fair value for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Charges to write down SBA loan servicing rights ​ $ 882 ​ $ 216 ​ $ 66 ​
Schedule of aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2023: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 24,692 ​ $ 24,382 ​ $ 309 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2022: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 38,579 ​ $ 38,517 ​ $ 62
Schedule of gains and losses and interest included in earnings related to financial assets measured at fair value under the fair value option	The table below presents gains and losses and interest included in earnings related to financial assets measured at fair value under the fair value option for the years ended September 30, 2023, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2023 ​ 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ 482 ​ $ (385) ​ $ 2,017 Interest income ​ 2,256 ​ 3,989 ​ 5,695 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 2,738 ​ $ 3,604 ​ $ 7,712
Schedule of carrying value and estimated fair value of financial instruments and the level within the fair value hierarchy in which the fair value measurements fall	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ September 30, 2023: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 18,014 ​ $ 18,014 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 12,831 ​ 12,831 ​ — ​ — Interest-bearing time deposits ​ 490 ​ — ​ 490 ​ — Securities available for sale ​ 227,739 ​ — ​ 227,739 ​ — Securities held to maturity ​ 1,300 ​ — ​ 38 ​ 1,265 Residential mortgage loans held for sale ​ 24,692 ​ ​ — ​ ​ 24,692 ​ — SBA loans held for sale ​ ​ 21,163 ​ ​ — ​ ​ 22,591 ​ ​ — Loans, net ​ 1,770,243 ​ — ​ — ​ 1,651,115 FRB and FHLB stock ​ 24,939 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 10,161 ​ — ​ 10,161 ​ — SBA loan servicing rights ​ ​ 2,950 ​ ​ — ​ ​ — ​ ​ 2,950 Residential mortgage loan servicing rights ​ ​ 59,768 ​ ​ — ​ ​ — ​ ​ 59,768 Nonresidential mortgage loan servicing rights ​ 101 ​ — ​ — ​ 101 Derivative assets (included in other assets) ​ 923 ​ — ​ 471 ​ 452 Equity securities (included in other assets) ​ ​ 160 ​ ​ 160 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ ​ 242,237 ​ ​ 242,237 ​ ​ — ​ ​ — Interest-bearing deposits ​ ​ 1,439,557 ​ ​ — ​ ​ — ​ ​ 1,435,083 Borrowings from FHLB ​ 363,183 ​ — ​ 356,257 ​ — Subordinated notes ​ 48,444 ​ — ​ 46,940 ​ — Accrued interest payable ​ 8,926 ​ — ​ 8,926 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 1,027 ​ ​ — ​ ​ 1,027 ​ ​ — Derivative liabilities (included in other liabilities) ​ 196 ​ — ​ 12 ​ 184 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 18,312 ​ $ 18,312 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 23,353 ​ 23,353 ​ — ​ — Interest-bearing time deposits ​ 1,613 ​ — ​ 1,613 ​ — Securities available for sale ​ 316,517 ​ — ​ 316,517 ​ — Securities held to maturity ​ 1,558 ​ — ​ 1,593 ​ — Residential mortgage loans held for sale ​ 38,579 ​ — ​ 38,579 ​ — SBA loans held for sale ​ 21,883 ​ — ​ 24,010 ​ — Loans, net ​ 1,474,544 ​ — ​ — ​ 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 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 significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	At September 30, 2023 and 2022, the significant unobservable inputs used in the fair value measurement of collateral dependent loans were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2023 ​ 2022 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument Inputs (Weighted Average) (Weighted Average) Collateral dependent loans Discount from appraised value ​ 10.0% - 50.0% (14.22%) 0.0% - 80.0% (16.37%) ​ Estimated costs to sell ​ 6.0% - 6.0% (6.0%) 0.0% - 10.0% (5.93%) ​
Schedule of Provisions for loan losses recognized for impaired loans	Provisions for loan losses recognized for impaired loans for the years ended September 30, 2023, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2023 2022 2021 Provision for loan losses recognized ​ $ 256 ​ $ 2,421 ​ $ 381
SBA loan servicing rights
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Schedule of significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	At September 30, 2023 and 2022, the significant unobservable inputs used in the fair value measurement of SBA loan servicing rights measured at fair value were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant 2023 2022 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument ​ Inputs ​ (Weighted Average) ​ (Weighted Average) SBA loan servicing rights ​ Discount rate ​ 10.25% - 25.00% (13.79%) ​ 6.90% - 25.00% (12.71%) ​ Prepayment speed 8.60% - 32.85% (16.91%) 7.08% - 29.26% (15.27%)

CAPITAL REQUIREMENTS AND REST_2

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Tables)	12 Months Ended
	Sep. 30, 2023
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Schedule of actual capital amounts and ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ for Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes ​ Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 230,735 11.47 % $ 160,965 8.00 % ​ N/A N/A ​ Bank ​ 226,461 11.27 ​ 160,822 8.00 ​ $ 201,027 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 165,391 8.22 % $ 120,724 6.00 % N/A N/A ​ Bank ​ 209,561 10.42 ​ 120,616 6.00 ​ $ 160,822 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 165,391 8.22 % $ 90,543 4.50 % N/A N/A ​ Bank ​ 209,561 10.42 ​ 90,462 4.50 ​ $ 130,668 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 165,391 7.24 % $ 91,375 4.00 % N/A N/A ​ Bank ​ 209,561 9.17 ​ 91,406 4.00 ​ $ 114,257 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 %

SUPPLEMENTAL DISCLOSURE FOR E_2

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE (Tables)	12 Months Ended
	Sep. 30, 2023
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Schedule of earnings per share information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands, except share and per share data) 2023 2022 2021 Basic: ​ ​ ​ ​ Earnings: ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 8,172 ​ $ 15,386 ​ $ 29,567 Shares: ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,848,311 ​ 7,058,550 ​ 7,107,786 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 1.19 ​ $ 2.18 ​ $ 4.16 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 8,172 ​ $ 15,386 ​ $ 29,567 Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,848,311 ​ 7,058,550 ​ 7,107,786 Add: Dilutive effect of outstanding options ​ 31,761 ​ 71,240 ​ 56,176 Add: Dilutive effect of restricted stock ​ — ​ 12,056 ​ 9,771 Weighted average common shares outstanding, as adjusted ​ 6,880,072 ​ 7,141,846 ​ 7,173,733 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 1.19 ​ $ 2.15 ​ $ 4.12

PARENT COMPANY CONDENSED FINA_2

PARENT COMPANY CONDENSED FINANCIAL INFORMATION (Tables)	12 Months Ended
	Sep. 30, 2023
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
Schedule of condensed balance sheet information	Balance Sheets ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, (In thousands) 2023 2022 ​ ​ ​ ​ ​ ​ Assets: ​ ​ Cash and due from banks ​ $ 7,425 ​ $ 16,940 Other assets ​ 1,489 ​ 1,165 Investment in subsidiaries ​ 190,946 ​ 184,315 ​ ​ $ 199,860 ​ $ 202,420 ​ ​ ​ ​ ​ ​ ​ Liabilities and Equity: ​ ​ Subordinated notes ​ $ 48,444 ​ $ 50,217 Accrued expenses ​ 435 ​ 638 Stockholders’ equity ​ 150,981 ​ 151,565 ​ ​ $ 199,860 ​ $ 202,420
Schedule of condensed income statement information	Statements of Income ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Dividend income from subsidiaries ​ $ 1,335 ​ $ 1,300 ​ $ 5,175 Interest expense ​ (2,794) ​ (2,111) ​ (1,274) Other operating income ​ ​ 660 ​ ​ — ​ ​ — Other operating expenses ​ (1,525) ​ (1,475) ​ (1,076) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before income taxes and equity in undistributed net income of subsidiaries ​ (2,324) ​ (2,286) ​ 2,825 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income tax benefit ​ 772 ​ 795 ​ 504 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before equity in undistributed net income of subsidiaries ​ (1,552) ​ (1,491) ​ 3,329 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ 9,724 ​ 16,877 ​ 26,238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 8,172 ​ $ 15,386 ​ $ 29,567 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Comprehensive income (loss) ​ $ 5,664 ​ $ (20,593) ​ $ 27,258
Schedule of condensed cash flow statement information	Statements of Cash Flows ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2023 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating Activities: ​ ​ ​ Net income ​ $ 8,172 ​ $ 15,386 ​ $ 29,567 Adjustments to reconcile net income to net cash provided by (used in) operating activities: ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ (9,724) ​ (16,877) ​ (26,238) Amortization of subordinated debt issuance costs ​ ​ 227 ​ ​ — ​ ​ — Stock compensation expense ​ 698 ​ 688 ​ 277 Gain from repurchase of subordinated debt ​ ​ (660) ​ ​ — ​ ​ — Net change in other assets and liabilities ​ (456) ​ (93) ​ 201 Net cash provided by (used in) operating activities ​ (1,743) ​ (896) ​ 3,807 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investing Activities: ​ ​ ​ Investment in bank subsidiary ​ — ​ (10,000) ​ — Net cash used in investing activities ​ — ​ (10,000) ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financing Activities: ​ ​ ​ Repurchase of subordinated debt ​ ​ (1,340) ​ ​ — ​ ​ — Net proceeds from subordinated debt ​ — ​ 30,258 ​ — Exercise of stock options ​ 16 ​ — ​ 27 Tax paid on stock award shares for employees ​ (30) ​ (48) ​ (41) Purchase of treasury stock ​ ​ (2,625) ​ ​ (4,745) ​ ​ — Dividends paid ​ (3,793) ​ (4,499) ​ (1,685) Net cash provided by (used in) financing activities ​ (7,772) ​ 20,966 ​ (1,699) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net increase (decrease) in cash and due from banks ​ (9,515) ​ 10,070 ​ 2,108 Cash and due from banks at beginning of year ​ 16,940 ​ 6,870 ​ 4,762 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks at end of year ​ $ 7,425 ​ $ 16,940 ​ $ 6,870 ​

SELECTED QUARTERLY FINANCIAL _2

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)	12 Months Ended
	Sep. 30, 2023
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
Schedule of selected quarterly financial information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2023: ​ ​ ​ ​ Interest income ​ $ 23,483 ​ $ 24,811 ​ $ 26,798 ​ $ 28,137 Interest expense ​ 7,222 ​ 9,899 ​ 11,933 ​ 12,601 Net interest income ​ 16,261 ​ 14,912 ​ 14,865 ​ 15,536 Provision for loan losses ​ 984 ​ 372 ​ 441 ​ 815 Net interest income after provision for loan losses ​ 15,277 ​ 14,540 ​ 14,424 ​ 14,721 Noninterest income ​ 5,188 ​ 7,516 ​ 7,196 ​ 5,442 Noninterest expenses ​ 17,511 ​ 17,999 ​ 18,965 ​ 21,647 Income (loss) before income taxes ​ 2,954 ​ 4,057 ​ 2,655 ​ (1,484) Income tax expense (benefit) ​ 83 ​ 333 ​ 331 ​ (737) Net income (loss) ​ $ 2,871 ​ $ 3,724 ​ $ 2,324 ​ $ (747) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, basic ​ $ 0.42 ​ $ 0.54 ​ $ 0.34 ​ $ (0.11) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, diluted ​ $ 0.42 ​ $ 0.54 ​ $ 0.34 ​ $ (0.11) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2022: ​ ​ ​ ​ Interest income ​ $ 15,762 ​ $ 15,801 ​ $ 18,479 ​ $ 21,152 Interest expense ​ 1,859 ​ 1,788 ​ 2,568 ​ 4,327 Net interest income ​ 13,903 ​ 14,013 ​ 15,911 ​ 16,825 Provision (credit) for loan losses ​ 526 ​ (30) ​ 532 ​ 880 Net interest income after provision (credit) for loan losses ​ 13,377 ​ 14,043 ​ 15,379 ​ 15,945 Noninterest income ​ 16,591 ​ 20,072 ​ 10,033 ​ 4,531 Noninterest expenses ​ 24,852 ​ 25,461 ​ 22,835 ​ 19,514 Income before income taxes ​ 5,116 ​ 8,654 ​ 2,577 ​ 962 Income tax expense (benefit) ​ 811 ​ 1,619 ​ (61) ​ (446) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 4,305 ​ $ 7,035 ​ $ 2,638 ​ $ 1,408 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.60 ​ $ 0.99 ​ $ 0.37 ​ $ 0.20 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.60 ​ $ 0.98 ​ $ 0.37 ​ $ 0.20 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021: ​ ​ ​ ​ Interest income ​ $ 16,026 ​ $ 16,840 ​ $ 16,150 ​ $ 16,243 Interest expense ​ 2,287 ​ 2,060 ​ 1,921 ​ 1,819 Net interest income ​ 13,739 ​ 14,780 ​ 14,229 ​ 14,424 Provision (credit) for loan losses ​ 668 ​ 287 ​ (2,730) ​ 8 Net interest income after provision (credit) for loan losses ​ 13,071 ​ 14,493 ​ 16,959 ​ 14,416 Noninterest income ​ 46,183 ​ 38,973 ​ 18,785 ​ 16,495 Noninterest expenses ​ 44,402 ​ 39,284 ​ 30,619 ​ 25,104 Income before income taxes ​ 14,852 ​ 14,182 ​ 5,125 ​ 5,807 Income tax expense ​ 4,527 ​ 3,695 ​ 817 ​ 958 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ 10,325 ​ 10,487 ​ 4,308 ​ 4,849 Net income attributable to noncontrolling interest in subsidiary ​ 402 ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. ​ $ 9,923 ​ $ 10,487 ​ $ 4,308 ​ $ 4,849 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 1.40 ​ $ 1.48 ​ $ 0.61 ​ $ 0.68 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 1.39 ​ $ 1.46 ​ $ 0.60 ​ $ 0.67 ​

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Sep. 30, 2023
SEGMENT REPORTING
Schedule of sum of the segment amounts and consolidated totals	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Total Year Ended September 30, 2023: ​ ​ ​ ​ ​ Net interest income ​ $ 56,214 ​ $ 4,176 ​ $ 1,184 ​ $ 61,574 Provision (credit) for loan losses ​ 3,270 ​ (658) ​ — ​ 2,612 Net interest income after provision ​ ​ 52,944 ​ ​ 4,834 ​ ​ 1,184 ​ ​ 58,962 Net gains on sales of loans, SBA ​ — ​ 2,717 ​ — ​ 2,717 Mortgage banking income ​ ​ 88 ​ ​ — ​ ​ 14,243 ​ ​ 14,331 Noninterest income ​ ​ 7,762 ​ ​ 3,337 ​ ​ 14,243 ​ ​ 25,342 Noninterest expense ​ ​ 45,017 ​ ​ 9,600 ​ ​ 21,505 ​ ​ 76,122 Income (loss) before taxes ​ ​ 15,689 ​ ​ (1,429) ​ ​ (6,078) ​ ​ 8,182 Income tax expense (benefit) ​ 1,911 ​ (381) ​ (1,520) ​ 10 Segment profit (loss) ​ 13,778 ​ (1,048) ​ (4,558) ​ 8,172 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,439 ​ 20 ​ 90 ​ 2,549 Segment assets at September 30, 2023 ​ 2,110,311 ​ 89,724 ​ 88,819 ​ 2,288,854 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Totals Year Ended September 30, 2022: ​ ​ ​ ​ Net interest income ​ $ 52,184 ​ $ 6,108 ​ $ 2,360 ​ $ 60,652 Provision for loan losses ​ ​ 1,295 ​ 613 ​ — ​ 1,908 Net interest income after provision ​ ​ 50,889 ​ ​ 5,495 ​ ​ 2,360 ​ ​ 58,744 Net gains on sales of loans, SBA ​ — ​ 3,698 ​ — ​ 3,698 Mortgage banking income ​ ​ (2) ​ ​ — ​ ​ 38,339 ​ ​ 38,337 Noninterest income ​ ​ 8,292 ​ ​ 4,623 ​ ​ 38,312 ​ ​ 51,227 Noninterest expense ​ ​ 39,979 ​ ​ 8,721 ​ ​ 43,962 ​ ​ 92,662 Income (loss) before taxes ​ ​ 19,202 ​ ​ 1,397 ​ ​ (3,290) ​ ​ 17,309 Income tax expense (benefit) ​ ​ 2,133 ​ 408 ​ (618) ​ 1,923 Segment profit (loss) ​ ​ 17,069 ​ 989 ​ (2,672) ​ 15,386 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,256 ​ 30 ​ 162 ​ 2,448 Segment assets at September 30, 2022 ​ 1,880,813 ​ 105,342 ​ 107,570 ​ 2,093,725 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended September 30, 2021: ​ ​ ​ ​ ​ Net interest income ​ $ 44,893 ​ $ 10,339 ​ $ 1,940 ​ $ 57,172 Provision (credit) for loan losses ​ (1,782) ​ 15 ​ — ​ ​ (1,767) Net interest income after provision ​ 46,675 ​ 10,324 ​ 1,940 ​ ​ 58,939 Net gains on sales of loans, SBA ​ — ​ 8,740 ​ — ​ ​ 8,740 Mortgage banking income ​ 4 ​ — ​ 104,500 ​ ​ 104,504 Noninterest income ​ 6,331 ​ 9,661 ​ 104,444 ​ ​ 120,436 Noninterest expense ​ 35,267 ​ 9,374 ​ 94,768 ​ ​ 139,409 Income before taxes ​ 17,739 ​ 10,611 ​ 11,616 ​ ​ 39,966 Income tax expense ​ ​ 2,438 ​ ​ 2,512 ​ ​ 5,047 ​ ​ 9,997 Segment profit ​ ​ 15,301 ​ ​ 8,099 ​ ​ 6,569 ​ ​ 29,969 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 2,021 ​ ​ 42 ​ ​ 237 ​ ​ 2,300 Segment assets at September 30, 2021 ​ ​ 1,320,773 ​ ​ 168,342 ​ ​ 232,279 ​ ​ 1,721,394 ​

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Sep. 30, 2023
REVENUE FROM CONTRACTS WITH CUSTOMERS
Schedule of sources of noninterest income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended ​ ​ September 30, ​ 2023 ​ 2022 ​ 2021 ​ ​ (In thousands) In Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 2,017 ​ $ 1,864 ​ $ 1,468 ATM and interchange fees ​ 2,756 ​ ​ 2,753 ​ ​ 2,399 Investment advisory income ​ 746 ​ ​ 717 ​ ​ 589 Other ​ 111 ​ ​ 110 ​ ​ 103 Revenue from contracts with customers ​ 5,630 ​ ​ 5,444 ​ ​ 4,559 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Out of Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ Gain (loss) on sale of securities ​ (551) ​ ​ 476 ​ ​ — Gain on sale of SBA loans ​ 2,717 ​ ​ 3,698 ​ ​ 8,740 Gain on sale of single tenant net lease loans ​ ​ — ​ ​ 719 ​ ​ — Mortgage banking income ​ 14,331 ​ ​ 38,337 ​ ​ 104,504 Increase in cash value of life insurance ​ 1,081 ​ ​ 993 ​ ​ 785 Real estate lease income ​ 469 ​ ​ 571 ​ ​ 592 Other ​ ​ 1,665 ​ ​ 989 ​ ​ 1,256 Other noninterest income ​ 19,712 ​ ​ 45,783 ​ ​ 115,877 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 25,342 ​ $ 51,227 ​ $ 120,436

MORTGAGE BANKING INCOME (Tables

MORTGAGE BANKING INCOME (Tables)	12 Months Ended
	Sep. 30, 2023
MORTGAGE BANKING INCOME
Schedule of components of mortgage banking income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, ​ 2023 2022 2021 (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ 6,300 ​ $ (674) ​ $ 83,874 Mortgage brokerage income ​ 369 ​ 762 ​ 1,500 Net change in fair value of loans held for sale and interest rate lock commitments ​ 987 ​ (4,206) ​ (18,856) Realized and unrealized hedging gains (losses) ​ 1,353 ​ 20,398 ​ 4,140 Capitalized residential mortgage loan servicing rights ​ 2,354 ​ 11,161 ​ 36,679 Net change in fair value of residential mortgage loan servicing rights ​ (5,849) ​ 2,523 ​ (8,803) Net loan servicing income ​ 9,521 ​ 9,045 ​ 6,565 Provisions for loan repurchases and indemnifications ​ (704) ​ (672) ​ (595) Total mortgage banking income ​ $ 14,331 ​ $ 38,337 ​ $ 104,504 ​ (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2023	Sep. 30, 2020
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Acquisition of minority interests in Q2		$ (509,000)	$ (2,569,000)
Net deferred tax assets	$ 18,859,000	15,520,000
Net lease loans held for sale carried at the lower of aggregate cost or fair value	0	0
Allowance for loan losses	16,900,000	15,360,000
Allowance for loan losses, qualitative factor adjustments	15,400,000	13,400,000
Loans and Leases Receivable, Impaired, Interest Income Recognized, Change in Present Value Attributable to Passage of Time	$ 250,000
Income tax percentage realized upon settlement	50%
Retained earnings - substantially restricted	$ 166,306,000	161,927,000
Financing Receivable, Allowance for Credit Losses	16,900,000	15,360,000	$ 14,301,000		$ 17,026,000
Unfunded loan commitment
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Financing Receivable, Allowance for Credit Losses	1,900,000
Additional allowance
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Financing Receivable, Allowance for Credit Losses	1,400,000
Cumulative Effect Period Of Adoption Adjustment Member
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Retained earnings - substantially restricted	$ 4,600,000	4,600,000
ASU 2016-02 | Scenario, Forecast [Member] | Cumulative Effect Period Of Adoption Adjustment Member
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Retained earnings - substantially restricted				$ 3,300,000
Maximum [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Lookback period	48 months
Minimum [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Lookback period	24 months
Small Business Administration Loans
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Loans held for sale, Small Business Administration	$ 21,200,000	$ 21,900,000
Small Business Administration Loans | Maximum [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Guarantor Obligations, Liquidation Proceeds, Percentage	90%
Small Business Administration Loans | Minimum [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Guarantor Obligations, Liquidation Proceeds, Percentage	75%

RESTRICTION ON CASH AND DUE F_2

RESTRICTION ON CASH AND DUE FROM BANKS (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
RESTRICTION ON CASH AND DUE FROM BANKS
Restricted cash and cash equivalents	$ 0	$ 0

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized cost of securities available for sale and held to maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Debt securities available for sale:
Amortized Cost	$ 265,209	$ 350,794
Gross Unrealized Gain	34	191
Gross Unrealized Losses	37,504	34,468
Fair Value	227,739	316,517
Debt securities held to maturity:
Amortized Cost	1,300	1,558
Gross Unrealized Gain	4	35
Gross Unrealized Losses	1	0
Fair Value	1,303	1,593
U.S. Treasury notes
Debt securities available for sale:
Amortized Cost	30,598	30,809
Gross Unrealized Gain		0
Gross Unrealized Losses	4,649	3,514
Fair Value	25,949	27,295
Agency mortgage-backed
Debt securities available for sale:
Amortized Cost	28,542	30,786
Gross Unrealized Gain		3
Gross Unrealized Losses	4,274	3,289
Fair Value	24,268	27,500
Debt securities held to maturity:
Amortized Cost	36	45
Gross Unrealized Gain		0
Gross Unrealized Losses	1	0
Fair Value	35	45
Agency CMO
Debt securities available for sale:
Amortized Cost	14,064	15,562
Gross Unrealized Gain		0
Gross Unrealized Losses	1,322	741
Fair Value	12,742	14,821
Privately-issued CMO
Debt securities available for sale:
Amortized Cost	424	495
Gross Unrealized Gain	2	4
Gross Unrealized Losses	30	29
Fair Value	396	470
Privately-issued ABS
Debt securities available for sale:
Amortized Cost	433	561
Gross Unrealized Gain	13	16
Gross Unrealized Losses	3	8
Fair Value	443	569
SBA certificates
Debt securities available for sale:
Amortized Cost	11,587	12,255
Gross Unrealized Gain		1
Gross Unrealized Losses	842	244
Fair Value	10,745	12,012
Municipal bonds
Debt securities available for sale:
Amortized Cost	177,561	260,326
Gross Unrealized Gain	19	167
Gross Unrealized Losses	26,096	26,643
Fair Value	151,484	233,850
Debt securities held to maturity:
Amortized Cost	1,264	1,513
Gross Unrealized Gain	4	35
Gross Unrealized Losses		0
Fair Value	1,268	$ 1,548
Subordinated debt
Debt securities available for sale:
Amortized Cost	2,000
Gross Unrealized Losses	288
Fair Value	$ 1,712

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	Sep. 30, 2023	Sep. 30, 2022
Available for Sale - Amortized Cost
Amortized Cost	$ 265,209	$ 350,794
Available for Sale - Fair Value
Fair Value	227,739	316,517
Municipal bonds
Available for Sale - Amortized Cost
Due within one year	2,294
Due after one year through five years	8,358
Due after five years through ten years	47,503
Due after ten years	152,004
Amortized Cost	177,561	260,326
Available for Sale - Fair Value
Due within one year	2,265
Due after one year through five years	8,201
Due after five years through ten years	41,617
Due after ten years	127,062
Fair Value	151,484	233,850
CMO
Available for Sale - Amortized Cost
Amortized Cost	14,488
Available for Sale - Fair Value
Fair Value	13,138
ABS
Available for Sale - Amortized Cost
Amortized Cost	433
Available for Sale - Fair Value
Fair Value	443
SBA certificates
Available for Sale - Amortized Cost
Amortized Cost	11,587
Amortized Cost	11,587	12,255
Available for Sale - Fair Value
Fair Value	10,745
Fair Value	10,745	$ 12,012
Mortgage-backed securities
Available for Sale - Amortized Cost
Amortized Cost	28,542
Available for Sale - Fair Value
Fair Value	$ 24,268

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	Sep. 30, 2023	Sep. 30, 2022
Held to Maturity - Amortized Cost
Amortized Cost	$ 1,300
Held to Maturity - Fair Value
Fair Value	1,303	$ 1,593
Municipal bonds
Held to Maturity - Amortized Cost
Due within one year	253
Due after one year through five years	667
Due after five years through ten years	344
Due after ten years	0
Held to Maturity - Fair Value
Due within one year	253
Due after one year through five years	669
Due after five years through ten years	346
Due after ten years	0
Fair Value	1,268	$ 1,548
CMO
Held to Maturity - Amortized Cost
Without single maturity date	0
Held to Maturity - Fair Value
Without single maturity date	0
ABS
Held to Maturity - Amortized Cost
Without single maturity date	0
Held to Maturity - Fair Value
Without single maturity date	0
SBA certificates
Held to Maturity - Amortized Cost
Without single maturity date	0
Held to Maturity - Fair Value
Without single maturity date	0
Mortgage-backed securities
Held to Maturity - Amortized Cost
Without single maturity date	36
Held to Maturity - Fair Value
Without single maturity date	$ 35

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investment securities with gross unrealized losses (Details) $ in Thousands	Sep. 30, 2023 USD ($) item	Sep. 30, 2022 USD ($) item	Sep. 30, 2019 item
Fair Value
Continuous loss position less than twelve months	$ 53,662	$ 265,379
Continuous loss position more than twelve months	163,211	11,135
Total debt securities available for sale	$ 216,873	$ 276,514
Number of Investment Positions
Continuous loss position less than twelve months | item	53	295
Continuous loss position more than twelve months | item	150	14
Total debt securities available for sale | item	203	309
Continuous loss position more than twelve months, held to maturity | item	1
Total debt securities held to maturity | item	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 4,144	$ 31,981
Continuous loss position more than twelve months	33,360	2,487
Total debt securities available for sale	37,504	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 notes
Fair Value
Continuous loss position less than twelve months	1,576	$ 27,295
Continuous loss position more than twelve months	$ 24,373
Number of Investment Positions
Continuous loss position less than twelve months | item	5	7
Continuous loss position more than twelve months | item	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 49	$ 3,514
Continuous loss position more than twelve months	4,600
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months	163	24,987
Continuous loss position more than twelve months	$ 23,859	$ 2,169
Number of Investment Positions
Continuous loss position less than twelve months | item	2	14
Continuous loss position more than twelve months | item	15	1
Continuous loss position more than twelve months, held to maturity | item	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 8	$ 2,749
Continuous loss position more than twelve months	4,266	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	4,249
Continuous loss position more than twelve months	$ 8,493	$ 1,199
Number of Investment Positions
Continuous loss position less than twelve months | item	1
Continuous loss position more than twelve months | item	14	2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 462
Continuous loss position more than twelve months	860	$ 190
Privately-issued CMO
Fair Value
Continuous loss position less than twelve months		424
Continuous loss position more than twelve months	$ 375	$ 19
Number of Investment Positions
Continuous loss position less than twelve months | item		2
Continuous loss position more than twelve months | item	2	1
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 20
Continuous loss position more than twelve months	$ 30	9
Privately-issued ABS
Fair Value
Continuous loss position more than twelve months	$ 212	$ 283
Number of Investment Positions
Continuous loss position more than twelve months | item	1	1
Gross Unrealized Losses
Continuous loss position more than twelve months	$ 3	$ 8
Agency CMO
Fair Value
Continuous loss position less than twelve months		$ 8,896
Number of Investment Positions
Continuous loss position less than twelve months | item		12
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 551
SBA certificates
Fair Value
Continuous loss position less than twelve months	31	10,775
Continuous loss position more than twelve months	$ 10,714	$ 1,202
Number of Investment Positions
Continuous loss position less than twelve months | item	1	1
Continuous loss position more than twelve months | item		2	2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 3	$ 225
Continuous loss position more than twelve months	839	19
Municipal bonds
Fair Value
Continuous loss position less than twelve months	45,931	193,002
Continuous loss position more than twelve months	$ 95,185	$ 6,263
Number of Investment Positions
Continuous loss position less than twelve months | item	43	259
Continuous loss position more than twelve months | item	115	7
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 3,334	$ 24,922
Continuous loss position more than twelve months	22,762	$ 1,721
Other
Fair Value
Continuous loss position less than twelve months	$ 1,712
Number of Investment Positions
Continuous loss position less than twelve months | item	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 288

INVESTMENT SECURITIES - Gross R

INVESTMENT SECURITIES - Gross Realized Gain and Losses on Sales of Available for Sale Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Gross Realized Gain and Losses
Gross realized gains on sales	$ 341	$ 488	$ 0
Gross realized losses on sales	(892)	(12)	0
Net realized gain (loss) on sales of available for sale securities	$ (551)	$ 476	$ 0

INVESTMENT SECURITIES - Additio

INVESTMENT SECURITIES - Additional Information (Details)	12 Months Ended
	Sep. 30, 2023 USD ($) item	Sep. 30, 2022 USD ($) item	Sep. 30, 2021 USD ($)
Investment Securities
Unrealized loss		$ 0
Available for sale debt securities in loss position, depreciation percentage	5.31%
Continuous loss position more than twelve months | item	150	14
Gross realized gains on sales	$ 341,000	$ 488,000	$ 0
Gross realized losses on sales	$ (892,000)	$ (12,000)	$ 0
Percentage of available for sale of investments	95%	87%
Debt securities | Downgraded Due To Potential Credit Losses
Investment Securities
Carrying value of downgraded due to potential credit losses	$ 289,000
Debt securities | Downgraded Privately Issued Cmos
Investment Securities
Fair market value of downgraded privately issued collateralized mortgage obligations	$ 291,000
Privately-issued CMO
Investment Securities
Continuous loss position more than twelve months | item	2	1
Investments, fair value disclosure	$ 587,000
Privately-issued ABS
Investment Securities
Continuous loss position more than twelve months | item	1	1
Total unrealized loss	$ 33,000

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loans (Details) - USD ($)	Sep. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Total loans	$ 1,786,194,000	$ 1,488,852,000
Deferred loan origination fees and costs, net	949,000	1,052,000
Allowance for loan losses	(16,900,000)	(15,360,000)
Loans, net	1,770,243,000	1,474,544,000
Discounts on SBA loans	3,300,000	4,300,000
Other financial institutions
Loans and Allowance for Loan Losses
Loans, net	253,000	261,000
Real estate mortgage | Residential
Loans and Allowance for Loan Losses
Total loans	528,410,000	368,211,000
Real estate mortgage | Commercial
Loans and Allowance for Loan Losses
Total loans	187,232,000	169,861,000
Real estate mortgage | Single tenant net lease
Loans and Allowance for Loan Losses
Total loans	757,388,000	674,567,000
Real estate mortgage | SBA
Loans and Allowance for Loan Losses
Total loans	47,078,000	59,379,000
Real estate mortgage | Multifamily
Loans and Allowance for Loan Losses
Total loans	34,892,000	32,411,000
Real estate mortgage | Residential Construction
Loans and Allowance for Loan Losses
Total loans	24,924,000	18,261,000
Real estate mortgage | Commercial Construction
Loans and Allowance for Loan Losses
Total loans	14,588,000	5,938,000
Real estate mortgage | Land and land development
Loans and Allowance for Loan Losses
Total loans	17,234,000	11,880,000
Real estate mortgage | Commercial business
Loans and Allowance for Loan Losses
Total loans	117,594,000	90,010,000
Real estate mortgage | SBA commercial business
Loans and Allowance for Loan Losses
Total loans	16,939,000	20,282,000
Real estate mortgage | Consumer
Loans and Allowance for Loan Losses
Total loans	$ 39,915,000	$ 38,052,000

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES - Activity for related party loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
LOANS AND ALLOWANCE FOR LOAN LOSSES
Beginning balance	$ 7,656	$ 5,975
New loans and advances		5,022
Repayments	(205)	(2,531)
Loans sold		(191)
Reclassifications due to officer and director changes	(5,973)	(619)
Ending balance	1,478	7,656
Off-balance-sheet commitments to related parties	$ 755,000	$ 2,800

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Components of loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Loans as Evaluated for Impairment:
Individually evaluated for impairment	$ 15,214	$ 13,401
Collectively evaluated for impairment	1,770,980	1,475,451
Loans	1,786,194	1,488,852
Residential real estate
Loans as Evaluated for Impairment:
Individually evaluated for impairment	3,312	2,244
Collectively evaluated for impairment	525,098	365,967
Loans	528,410	368,211
Commercial real estate
Loans as Evaluated for Impairment:
Individually evaluated for impairment	868	908
Collectively evaluated for impairment	186,364	168,953
Loans	187,232	169,861
Single tenant net lease
Loans as Evaluated for Impairment:
Collectively evaluated for impairment	757,388	674,567
Loans	757,388	674,567
SBA commercial real estate
Loans as Evaluated for Impairment:
Individually evaluated for impairment	7,415	7,582
Collectively evaluated for impairment	39,663	51,797
Loans	47,078	59,379
Multifamily
Loans as Evaluated for Impairment:
Individually evaluated for impairment	318	354
Collectively evaluated for impairment	34,574	32,057
Loans	34,892	32,411
Residential Construction
Loans as Evaluated for Impairment:
Collectively evaluated for impairment	24,924	18,261
Loans	24,924	18,261
Commercial Construction
Loans as Evaluated for Impairment:
Collectively evaluated for impairment	14,588	5,938
Loans	14,588	5,938
Land and land development
Loans as Evaluated for Impairment:
Collectively evaluated for impairment	17,234	11,880
Loans	17,234	11,880
Commercial Business
Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,946	998
Collectively evaluated for impairment	115,648	89,012
Loans	117,594	90,010
SBA commercial business
Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,122	1,077
Collectively evaluated for impairment	15,817	19,205
Loans	16,939	20,282
Consumer
Loans as Evaluated for Impairment:
Individually evaluated for impairment	233	238
Collectively evaluated for impairment	39,682	37,814
Loans	$ 39,915	$ 38,052

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES - Allowance for loan losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Activity in Allowance for Loan Losses:
Beginning balance	$ 15,360	$ 14,301	$ 17,026
Provisions (Credits)	2,612	1,908	(1,767)
Charge-offs	(1,247)	(1,097)	(1,124)
Recoveries	175	248	166
Ending balance	16,900	15,360	14,301
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	563	964
Collectively evaluated for impairment	16,337	14,396
Ending balance	16,900	15,360	14,301
Residential real estate
Activity in Allowance for Loan Losses:
Beginning balance	2,716	1,438	1,255
Provisions (Credits)	1,980	1,287	170
Charge-offs	(71)	(23)	(11)
Recoveries	16	14	24
Ending balance	4,641	2,716	1,438
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	74
Collectively evaluated for impairment	4,567	2,716
Ending balance	4,641	2,716	1,438
Commercial real estate
Activity in Allowance for Loan Losses:
Beginning balance	1,590	2,806	3,058
Provisions (Credits)	187	(1,216)	(252)
Charge-offs	0	0
Recoveries	0	0
Ending balance	1,777	1,590	2,806
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	2
Collectively evaluated for impairment	1,775	1,590
Ending balance	1,777	1,590	2,806
Single tenant net lease
Activity in Allowance for Loan Losses:
Beginning balance	3,838	2,422	3,017
Provisions (Credits)	(28)	1,416	(595)
Charge-offs	0	0
Recoveries	0	0
Ending balance	3,810	3,838	2,422
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	3,810	3,838
Ending balance	3,810	3,838	2,422
SBA commercial real estate
Activity in Allowance for Loan Losses:
Beginning balance	2,578	3,475	4,154
Provisions (Credits)	(302)	(802)	234
Charge-offs	(357)	(110)	(936)
Recoveries	3	15	23
Ending balance	1,922	2,578	3,475
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment		290
Collectively evaluated for impairment	1,922	2,288
Ending balance	1,922	2,578	3,475
Multifamily
Activity in Allowance for Loan Losses:
Beginning balance	251	518	772
Provisions (Credits)	17	(267)	(254)
Charge-offs	0	0
Recoveries	0	0
Ending balance	268	251	518
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	268	251
Ending balance	268	251	518
Residential Construction
Activity in Allowance for Loan Losses:
Beginning balance	305	191	243
Provisions (Credits)	129	114	(52)
Charge-offs	0	0
Recoveries	0	0
Ending balance	434	305	191
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	434	305
Ending balance	434	305	191
Commercial Construction
Activity in Allowance for Loan Losses:
Beginning balance	107	63	181
Provisions (Credits)	175	44	(118)
Charge-offs	0	0
Recoveries	0	0
Ending balance	282	107	63
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	282	107
Ending balance	282	107	63
Land and land development
Activity in Allowance for Loan Losses:
Beginning balance	212	235	243
Provisions (Credits)	95	(23)	(8)
Charge-offs	0	0
Recoveries	0	0
Ending balance	307	212	235
Ending Allowance Balance Attributable to Loans:
Collectively evaluated for impairment	307	212
Ending balance	307	212	235
Commercial Business
Activity in Allowance for Loan Losses:
Beginning balance	1,193	1,284	1,449
Provisions (Credits)	452	(119)	(170)
Charge-offs	0	(91)
Recoveries	69	119	5
Ending balance	1,714	1,193	1,284
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	111
Collectively evaluated for impairment	1,603	1,193
Ending balance	1,714	1,193	1,284
SBA commercial business
Activity in Allowance for Loan Losses:
Beginning balance	2,122	1,346	1,539
Provisions (Credits)	(357)	1,413	(211)
Charge-offs	(569)	(698)	(21)
Recoveries	51	61	39
Ending balance	1,247	2,122	1,346
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	187	674
Collectively evaluated for impairment	1,060	1,448
Ending balance	1,247	2,122	1,346
Consumer
Activity in Allowance for Loan Losses:
Beginning balance	448	523	1,115
Provisions (Credits)	264	61	(511)
Charge-offs	(250)	(175)	(156)
Recoveries	36	39	75
Ending balance	498	448	523
Ending Allowance Balance Attributable to Loans:
Individually evaluated for impairment	189
Collectively evaluated for impairment	309	448
Ending balance	$ 498	$ 448	$ 523

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	$ 11,871	$ 9,976	$ 15,643
Loans with no related allowance recorded, Unpaid Principal Balance	15,354	11,658	17,245
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	13,388	13,487	13,482
Loans with no related allowance recorded, Interest Income Recognized	127	92	102
Loans with an allowance recorded, Recorded Investment	3,343	3,425	1,100
Loans with an allowance recorded, Unpaid Principal Balance	3,636	4,413	1,624
Loans with an allowance recorded, Related Allowance	563	964	133
Loans with an allowance recorded, Average Recorded Investment	3,109	3,367	3,915
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	15,214	13,401	16,743
Total, Unpaid Principal Balance	18,990	16,071	18,869
Total, Related Allowance	563	964	133
Total, Average Recorded Investment	16,497	16,854	17,397
Total, Interest Income Recognized	127	92	102
Residential real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	1,989	2,244	3,003
Loans with no related allowance recorded, Unpaid Principal Balance	2,139	2,524	3,551
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	2,822	2,978	4,383
Loans with no related allowance recorded, Interest Income Recognized	52	45	68
Loans with an allowance recorded, Recorded Investment	1,323	0	64
Loans with an allowance recorded, Unpaid Principal Balance	1,328	0	65
Loans with an allowance recorded, Related Allowance	74	0
Loans with an allowance recorded, Average Recorded Investment	365	206	108
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	3,312	2,244	3,067
Total, Unpaid Principal Balance	3,467	2,524	3,616
Total, Related Allowance	74	0
Total, Average Recorded Investment	3,187	3,184	4,491
Total, Interest Income Recognized	52	45	68
Commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	551	908	1,021
Loans with no related allowance recorded, Unpaid Principal Balance	627	982	1,092
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	886	1,038	1,148
Loans with no related allowance recorded, Interest Income Recognized	23	21	29
Loans with an allowance recorded, Recorded Investment	317	0
Loans with an allowance recorded, Unpaid Principal Balance	317	0
Loans with an allowance recorded, Related Allowance	2	0
Loans with an allowance recorded, Average Recorded Investment	63	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	868	908	1,021
Total, Unpaid Principal Balance	945	982	1,092
Total, Related Allowance	2	0
Total, Average Recorded Investment	949	1,038	1,148
Total, Interest Income Recognized	23	21	29
Single tenant net lease
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance		0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
SBA commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	7,415	5,197	8,282
Loans with no related allowance recorded, Unpaid Principal Balance	9,397	5,952	8,873
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	7,484	7,235	4,738
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	2,385	871
Loans with an allowance recorded, Unpaid Principal Balance	0	2,919	1,394
Loans with an allowance recorded, Related Allowance	0	290	114
Loans with an allowance recorded, Average Recorded Investment	1,146	2,213	3,389
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	7,415	7,582	9,153
Total, Unpaid Principal Balance	9,397	8,871	10,267
Total, Related Allowance	0	290	114
Total, Average Recorded Investment	8,630	9,448	8,127
Total, Interest Income Recognized	0	0
Multifamily
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	318	354	482
Loans with no related allowance recorded, Unpaid Principal Balance	362	398	539
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	371	415	638
Loans with no related allowance recorded, Interest Income Recognized	15	6
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	318	354	482
Total, Unpaid Principal Balance	362	398	539
Total, Related Allowance	0	0
Total, Average Recorded Investment	371	415	638
Total, Interest Income Recognized	15	6
Residential Construction
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance	0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
Commercial Construction
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance	0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
Land and land development
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	0	0	1
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0	1
Total, Interest Income Recognized	0	0
Commercial Business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	870	998	1,476
Loans with no related allowance recorded, Unpaid Principal Balance	972	1,189	1,559
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	925	1,318	1,664
Loans with no related allowance recorded, Interest Income Recognized	37	19	3
Loans with an allowance recorded, Recorded Investment	1,076	0
Loans with an allowance recorded, Unpaid Principal Balance	1,165	0
Loans with an allowance recorded, Related Allowance	111	0
Loans with an allowance recorded, Average Recorded Investment	296	0	1
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	1,946	998	1,476
Total, Unpaid Principal Balance	2,137	1,189	1,559
Total, Related Allowance	111	0
Total, Average Recorded Investment	1,221	1,318	1,665
Total, Interest Income Recognized	37	19	3
SBA commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	684	182	1,275
Loans with no related allowance recorded, Unpaid Principal Balance	1,799	532	1,534
Loans with no related allowance recorded, Average Recorded Investment	839	412	820
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	438	895	21
Loans with an allowance recorded, Unpaid Principal Balance	637	1,349	21
Loans with an allowance recorded, Related Allowance	187	674	18
Loans with an allowance recorded, Average Recorded Investment	1,049	802	248
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	1,122	1,077	1,296
Total, Unpaid Principal Balance	2,436	1,881	1,555
Total, Related Allowance	187	674	18
Total, Average Recorded Investment	1,888	1,214	1,068
Total, Interest Income Recognized	0	0
Consumer
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment	44	93	104
Loans with no related allowance recorded, Unpaid Principal Balance	58	81	97
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	61	91	90
Loans with no related allowance recorded, Interest Income Recognized	0	1	2
Loans with an allowance recorded, Recorded Investment	189	145	144
Loans with an allowance recorded, Unpaid Principal Balance	189	145	144
Loans with an allowance recorded, Related Allowance	189	0	1
Loans with an allowance recorded, Average Recorded Investment	190	146	169
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	233	238	248
Total, Unpaid Principal Balance	247	226	241
Total, Related Allowance	189	0	1
Total, Average Recorded Investment	251	237	259
Total, Interest Income Recognized	0	1	$ 2
Construction
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Related Allowance	$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES - Nonperforming Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Nonaccrual Loans	$ 13,948	$ 10,856
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	13,948	10,856
Residential real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	2,426	1,213
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	2,426	1,213
Commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	511	516
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	511	516
Single tenant net lease
Loans and Allowance for Loan Losses
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
SBA commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual Loans	7,415	7,725
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	7,415	7,725
Multifamily
Loans and Allowance for Loan Losses
Nonaccrual Loans	318	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	318	0
Residential Construction
Loans and Allowance for Loan Losses
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Commercial Construction
Loans and Allowance for Loan Losses
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Land and land development
Loans and Allowance for Loan Losses
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Commercial Business
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,946	73
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	1,946	73
SBA commercial business
Loans and Allowance for Loan Losses
Nonaccrual Loans	1,099	1,091
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	1,099	1,091
Consumer
Loans and Allowance for Loan Losses
Nonaccrual Loans	233	238
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	$ 233	$ 238

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES - Aging of Recorded Investment in Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Loans	$ 1,786,194	$ 1,488,852
Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3,921	1,495
Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	199	53
Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,775,575	1,482,846
Financial Asset, Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	10,619	6,006
Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	6,499	4,458
Residential real estate
Loans and Allowance for Loan Losses
Loans	528,410	368,211
Residential real estate | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	2,715	1,169
Residential real estate | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	132	53
Residential real estate | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	523,745	366,785
Residential real estate | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	4,665	1,426
Residential real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,818	204
Commercial real estate
Loans and Allowance for Loan Losses
Loans	187,232	169,861
Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	23	0
Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	62	0
Commercial real estate | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	187,147	169,345
Commercial real estate | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	85	516
Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	516
Single tenant net lease
Loans and Allowance for Loan Losses
Loans	757,388	674,567
Single tenant net lease | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Single tenant net lease | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Single tenant net lease | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	757,388	674,567
Single tenant net lease | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	0	0
Single tenant net lease | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
SBA commercial real estate
Loans and Allowance for Loan Losses
Loans	47,078	59,379
SBA commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	764	0
SBA commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
SBA commercial real estate | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	42,437	56,009
SBA commercial real estate | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	4,641	3,370
SBA commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3,877	3,370
Multifamily
Loans and Allowance for Loan Losses
Loans	34,892	32,411
Multifamily | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Multifamily | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Multifamily | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	34,892	32,411
Multifamily | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	0	0
Multifamily | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Residential Construction
Loans and Allowance for Loan Losses
Loans	24,924	18,261
Residential Construction | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Residential Construction | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Residential Construction | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	24,924	18,261
Residential Construction | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	0	0
Residential Construction | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Construction
Loans and Allowance for Loan Losses
Loans	14,588	5,938
Commercial Construction | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Construction | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Construction | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	14,588	5,938
Commercial Construction | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	0	0
Commercial Construction | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Land and land development
Loans and Allowance for Loan Losses
Loans	17,234	11,880
Land and land development | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	40	0
Land and land development | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Land and land development | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	17,194	11,880
Land and land development | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	40	0
Land and land development | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Business
Loans and Allowance for Loan Losses
Loans	117,594	90,010
Commercial Business | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	112	0
Commercial Business | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
Commercial Business | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	117,396	89,937
Commercial Business | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	198	73
Commercial Business | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	86	73
SBA commercial business
Loans and Allowance for Loan Losses
Loans	16,939	20,282
SBA commercial business | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	130	231
SBA commercial business | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	0	0
SBA commercial business | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	16,127	19,814
SBA commercial business | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	812	468
SBA commercial business | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	682	237
Consumer
Loans and Allowance for Loan Losses
Loans	39,915	38,052
Consumer | Financing Receivables, 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	137	95
Consumer | Financing Receivables, 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	5	0
Consumer | Financial Asset, Not Past Due
Loans and Allowance for Loan Losses
Loans	39,737	37,899
Consumer | Financial Asset, Past Due
Loans and Allowance for Loan Losses
Loans	178	153
Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	$ 36	$ 58

LOANS AND ALLOWANCE FOR LOAN_10

LOANS AND ALLOWANCE FOR LOAN LOSSES - Recorded Investment in Loans by Risk Category (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Loans	$ 1,786,194	$ 1,488,852
Pass
Loans and Allowance for Loan Losses
Loans	1,770,145	1,473,026
Special Mention
Loans and Allowance for Loan Losses
Loans	318	1,677
Substandard
Loans and Allowance for Loan Losses
Loans	14,044	12,273
Doubtful
Loans and Allowance for Loan Losses
Loans	1,687	1,876
Loss
Loans and Allowance for Loan Losses
Loans	0
Residential real estate
Loans and Allowance for Loan Losses
Loans	528,410	368,211
Residential real estate | Pass
Loans and Allowance for Loan Losses
Loans	525,735	366,540
Residential real estate | Special Mention
Loans and Allowance for Loan Losses
Loans	0
Residential real estate | Substandard
Loans and Allowance for Loan Losses
Loans	2,653	1,501
Residential real estate | Doubtful
Loans and Allowance for Loan Losses
Loans	22	170
Residential real estate | Loss
Loans and Allowance for Loan Losses
Loans	0
Commercial real estate
Loans and Allowance for Loan Losses
Loans	187,232	169,861
Commercial real estate | Pass
Loans and Allowance for Loan Losses
Loans	186,520	169,134
Commercial real estate | Special Mention
Loans and Allowance for Loan Losses
Loans	0
Commercial real estate | Substandard
Loans and Allowance for Loan Losses
Loans	712	727
Commercial real estate | Doubtful
Loans and Allowance for Loan Losses
Loans	0
Commercial real estate | Loss
Loans and Allowance for Loan Losses
Loans	0
Single tenant net lease
Loans and Allowance for Loan Losses
Loans	757,388	674,567
Single tenant net lease | Pass
Loans and Allowance for Loan Losses
Loans	757,388	674,567
Single tenant net lease | Special Mention
Loans and Allowance for Loan Losses
Loans	0
Single tenant net lease | Substandard
Loans and Allowance for Loan Losses
Loans	0
Single tenant net lease | Doubtful
Loans and Allowance for Loan Losses
Loans	0
Single tenant net lease | Loss
Loans and Allowance for Loan Losses
Loans	0
SBA commercial real estate
Loans and Allowance for Loan Losses
Loans	47,078	59,379
SBA commercial real estate | Pass
Loans and Allowance for Loan Losses
Loans	39,092	49,459
SBA commercial real estate | Special Mention
Loans and Allowance for Loan Losses
Loans	278	1,143
SBA commercial real estate | Substandard
Loans and Allowance for Loan Losses
Loans	6,083	7,112
SBA commercial real estate | Doubtful
Loans and Allowance for Loan Losses
Loans	1,625	1,665
SBA commercial real estate | Loss
Loans and Allowance for Loan Losses
Loans	0
Multifamily
Loans and Allowance for Loan Losses
Loans	34,892	32,411
Multifamily | Pass
Loans and Allowance for Loan Losses
Loans	34,574	32,411
Multifamily | Special Mention
Loans and Allowance for Loan Losses
Loans	0
Multifamily | Substandard
Loans and Allowance for Loan Losses
Loans	318
Multifamily | Doubtful
Loans and Allowance for Loan Losses
Loans	0
Multifamily | Loss
Loans and Allowance for Loan Losses
Loans	0
Residential Construction
Loans and Allowance for Loan Losses
Loans	24,924	18,261
Residential Construction | Pass
Loans and Allowance for Loan Losses
Loans	24,924	18,261
Residential Construction | Special Mention
Loans and Allowance for Loan Losses
Loans	0
Residential Construction | Substandard
Loans and Allowance for Loan Losses
Loans	0
Residential Construction | Doubtful
Loans and Allowance for Loan Losses
Loans	0
Residential Construction | Loss
Loans and Allowance for Loan Losses
Loans	0
Commercial Construction
Loans and Allowance for Loan Losses
Loans	14,588	5,938
Commercial Construction | Pass
Loans and Allowance for Loan Losses
Loans	14,588	5,938
Commercial Construction | Special Mention
Loans and Allowance for Loan Losses
Loans	0
Commercial Construction | Substandard
Loans and Allowance for Loan Losses
Loans	0
Commercial Construction | Doubtful
Loans and Allowance for Loan Losses
Loans	0
Commercial Construction | Loss
Loans and Allowance for Loan Losses
Loans	0
Land and land development
Loans and Allowance for Loan Losses
Loans	17,234	11,880
Land and land development | Pass
Loans and Allowance for Loan Losses
Loans	17,234	11,880
Land and land development | Special Mention
Loans and Allowance for Loan Losses
Loans	0
Land and land development | Substandard
Loans and Allowance for Loan Losses
Loans	0
Land and land development | Doubtful
Loans and Allowance for Loan Losses
Loans	0
Land and land development | Loss
Loans and Allowance for Loan Losses
Loans	0
Commercial Business
Loans and Allowance for Loan Losses
Loans	117,594	90,010
Commercial Business | Pass
Loans and Allowance for Loan Losses
Loans	115,647	89,675
Commercial Business | Special Mention
Loans and Allowance for Loan Losses
Loans	40	250
Commercial Business | Substandard
Loans and Allowance for Loan Losses
Loans	1,907	85
Commercial Business | Doubtful
Loans and Allowance for Loan Losses
Loans	0
Commercial Business | Loss
Loans and Allowance for Loan Losses
Loans	0
SBA commercial business
Loans and Allowance for Loan Losses
Loans	16,939	20,282
SBA commercial business | Pass
Loans and Allowance for Loan Losses
Loans	14,572	17,202
SBA commercial business | Special Mention
Loans and Allowance for Loan Losses
Loans	0	284
SBA commercial business | Substandard
Loans and Allowance for Loan Losses
Loans	2,327	2,755
SBA commercial business | Doubtful
Loans and Allowance for Loan Losses
Loans	40	41
SBA commercial business | Loss
Loans and Allowance for Loan Losses
Loans	0
Consumer
Loans and Allowance for Loan Losses
Loans	39,915	38,052
Consumer | Pass
Loans and Allowance for Loan Losses
Loans	39,871	37,959
Consumer | Special Mention
Loans and Allowance for Loan Losses
Loans	0
Consumer | Substandard
Loans and Allowance for Loan Losses
Loans	44	$ 93
Consumer | Doubtful
Loans and Allowance for Loan Losses
Loans	0
Consumer | Loss
Loans and Allowance for Loan Losses
Loans	$ 0

LOANS AND ALLOWANCE FOR LOAN_11

LOANS AND ALLOWANCE FOR LOAN LOSSES - Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2023 USD ($) item	Sep. 30, 2022 USD ($) item	Sep. 30, 2021 USD ($) item
Loans and Allowance for Loan Losses
Number of Loans | item	1	1	1
Pre-Modification Principal Balance	$ 31	$ 397	$ 126
Post-Modification Principal Balance	$ 31	$ 397	$ 126
Residential real estate
Loans and Allowance for Loan Losses
Number of Loans | item	1
Pre-Modification Principal Balance	$ 31
Post-Modification Principal Balance	$ 31
SBA commercial business
Loans and Allowance for Loan Losses
Number of Loans | item		1
Pre-Modification Principal Balance		$ 397
Post-Modification Principal Balance		$ 397
Commercial business
Loans and Allowance for Loan Losses
Number of Loans | item			1
Pre-Modification Principal Balance			$ 126
Post-Modification Principal Balance			$ 126

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 ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Balance, beginning of period	$ 3,790,000
Balance, end of period	2,950,000	$ 3,790,000
Small Business Administration Loans
Balance, beginning of period	3,790,000	4,447,000	$ 3,748,000
Servicing rights capitalized	768,000	846,000	1,980,000
Amortization	(728,000)	(1,287,000)	(1,215,000)
Direct write-offs	(999,000)	(43,000)	(92,000)
Change in valuation allowance	119,000	(173,000)	26,000
Balance, end of period	2,950,000	3,790,000	4,447,000
Mortgage Servicing Rights.
Balance, beginning of period	63,263,000	49,579,000	21,703,000
Servicing rights capitalized	2,354,000	11,161,000	36,679,000
Loan repayments	(4,237,000)	(7,539,000)	(9,555,000)
Changes in valuation model inputs or assumptions	(1,612,000)	10,062,000	752,000
Balance, end of period	59,768,000	63,263,000	49,579,000
Nonresidential MSR
Balance, beginning of period	141,000	0
Servicing rights capitalized		160,000
Amortization	(40,000)	(19,000)
Direct write-offs		0
Change in valuation allowance	0	0
Balance, end of period	$ 101,000	$ 141,000	$ 0

LOANS AND ALLOWANCE FOR LOAN_13

LOANS AND ALLOWANCE FOR LOAN LOSSES - Key assumptions used to estimate the fair value of the loans (Details)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Maximum
Discount rate	25%	25%
Prepayment rate	32.85%	29.26%
Maximum | Mortgage Servicing Rights.
Discount rate	14.50%	14.50%
Prepayment rate	85.82%	74.89%
Minimum
Discount rate	10.25%	6.90%
Prepayment rate	8.60%	7.08%
Minimum | Mortgage Servicing Rights.
Discount rate	9.44%	9.50%
Prepayment rate	5%	6.01%
Weighted Average | Small Business Administration Loans
Discount rate	13.79%	12.71%
Prepayment rate	16.91%	15.27%
Weighted Average | Mortgage Servicing Rights.
Discount rate	9.51%	9.51%
Prepayment rate	6.82%	6.63%

LOANS AND ALLOWANCE FOR LOAN_14

LOANS AND ALLOWANCE FOR LOAN LOSSES - SBA Loan Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
LOANS AND ALLOWANCE FOR LOAN LOSSES
Balance, beginning of period	$ 179	$ 6	$ 32
Additions (reductions) charged to earnings	880	216	66
Write-downs charged against allowance	(999)	(43)	(92)
Balance, end of period	$ 60	$ 179	$ 6

LOANS AND ALLOWANCE FOR LOAN_15

LOANS AND ALLOWANCE FOR LOAN LOSSES - Additional Information (Details)	3 Months Ended												12 Months Ended
	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Sep. 30, 2023 USD ($) item	Sep. 30, 2022 USD ($) item	Sep. 30, 2021 USD ($) item
Loans and Allowance for Loan Losses
Number of Loans | item													1	1	1
Financing receivable allowance for credit losses, Write-downs													$ 1,247,000	$ 1,097,000	$ 1,124,000
Provision (credit) for loan losses	$ 815,000	$ 441,000	$ 372,000	$ 984,000	$ 880,000	$ 532,000	$ (30,000)	$ 526,000	$ 8,000	$ (2,730,000)	$ 287,000	$ 668,000	2,612,000	1,908,000	(1,767,000)
Impaired financing receivable, Unpaid principal balance	18,990,000				16,071,000				18,869,000				18,990,000	16,071,000	18,869,000
Write-downs charged against allowance													999,000	43,000	92,000
Net servicing income													2,114,000	2,425,000	2,171,000
Other Real Estate	0				0				0				0	0	0
Commercial real estate
Loans and Allowance for Loan Losses
Financing receivable allowance for credit losses, Write-downs													0	0
Impaired financing receivable, Unpaid principal balance	945,000				982,000				1,092,000				$ 945,000	982,000	1,092,000
Residential real estate
Loans and Allowance for Loan Losses
Number of Loans | item													1
Financing receivable allowance for credit losses, Write-downs													$ 71,000	23,000	11,000
Impaired financing receivable, Unpaid principal balance	3,467,000				2,524,000				3,616,000				3,467,000	2,524,000	3,616,000
Commercial Business
Loans and Allowance for Loan Losses
Financing receivable allowance for credit losses, Write-downs													0	91,000
Impaired financing receivable, Unpaid principal balance	2,137,000				1,189,000				1,559,000				2,137,000	1,189,000	1,559,000
Bank Servicing
Loans and Allowance for Loan Losses
Revenue from Contract with Customer													69,000	93,000	88,000
Banking
Loans and Allowance for Loan Losses
Revenue from Contract with Customer													2,183,000	2,518,000	2,259,000
SBA
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	209,600,000				238,900,000				244,800,000				209,600,000	238,900,000	244,800,000
Troubled Debt Restructuring
Loans and Allowance for Loan Losses
Loans and leases receivable impaired commitment to lend	0				1,000								0	1,000
Financing receivable allowance for credit losses, Write-downs													6,000	0	457,000
Provision (credit) for loan losses													122,000	161,000	0
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	4,770,000,000				4,880,000,000				$ 4,640,000,000				4,770,000,000	4,880,000,000	4,640,000,000
Write-downs charged against allowance													903,000
Write-downs based on sales													709,000
Revenue from Contract with Customer													9,500,000	9,000,000	$ 6,500,000
Escrow balances maintained with foregoing loan servicing and other liabilities	47,900,000				46,000,000								47,900,000	46,000,000
Nonresidential MSR
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance	$ 40,400,000				$ 44,600,000								40,400,000	44,600,000
Revenue from Contract with Customer													$ 93,000	$ 92,000

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	$ 41,891	$ 39,272
Less: accumulated depreciation	(14,030)	(12,172)
Property, Plant and Equipment, Net, Total	27,861	27,100
Property, Plant and Equipment
PREMISES AND EQUIPMENT
Depreciation expense	2,108	2,125	$ 2,023
Land and land improvements
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	5,375	5,328
Office buildings
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	25,337	23,942
Leasehold improvements
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	66	66
Furniture, fixtures and equipment
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	10,442	9,187
Construction in Progress
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	$ 671	$ 749

PREMISES AND EQUIPMENT - Additi

PREMISES AND EQUIPMENT - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
PREMISES AND EQUIPMENT
Noninterest income	$ 5,442	$ 7,196	$ 7,516	$ 5,188	$ 4,531	$ 10,033	$ 20,072	$ 16,591	$ 16,495	$ 18,785	$ 38,973	$ 46,183	$ 25,342	$ 51,227	$ 120,436

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
OTHER REAL ESTATE OWNED.
Balance as of October 1	$ 1,728	$ 1,728
Transfers from loans to other real estate owned	474	426
Transfers from OREO to premises and equipment	(721)
Sales	(804)	(426)
Balance as of September 30	$ 203	$ 1,728

OTHER REAL ESTATE OWNED - Sched

OTHER REAL ESTATE OWNED - Schedule Of (Gain) Loss On Other Real Estate Owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
OTHER REAL ESTATE OWNED.
Net (gain)/loss on sales	$ 0	$ 115	$ (74)
Operating expenses, net of rental income	4	0	10
Profit (Loss) from Real Estate Operations	$ 4	$ 115	$ (64)

OTHER REAL ESTATE OWNED - Addit

OTHER REAL ESTATE OWNED - Additional Information (Details) - USD ($)	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Other real estate	$ 0	$ 0	$ 0
Residential real estate
Real estate acquired through foreclosure	$ 539,000	$ 204,000

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLES - Changes in the carrying amount of goodwill - (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
GOODWILL AND OTHER INTANGIBLES
Beginning balance	$ 9,848	$ 9,848	$ 9,848
Impairment	0	0	0
Ending balance	$ 9,848	$ 9,848	$ 9,848

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLES - Summary of other intangible assets (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Goodwill and intangible assets
Less accumulated amortization	$ (4,233)	$ (4,019)
Ending balance	561	775
Core deposit intangible acquired in Community First acquisition
Goodwill and intangible assets
Core deposit intangible acquired	2,741	2,741
Core deposit intangible acquired in First Federal branch acquisition
Goodwill and intangible assets
Core deposit intangible acquired	566	566
Core deposit intangible acquired in Dearmin/FNBO acquisition
Goodwill and intangible assets
Core deposit intangible acquired	$ 1,487	$ 1,487

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLES - Schedule of intangible assets amortization expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
GOODWILL AND OTHER INTANGIBLES
Amortization expense	$ 214	$ 214	$ 214

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLES - Estimated amortization expense for the core deposit intangibles (Details) $ in Thousands	Sep. 30, 2023 USD ($)
GOODWILL AND OTHER INTANGIBLES
2024	$ 163
2025	163
2026	163
2027	72
Total	$ 561

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
GOODWILL AND OTHER INTANGIBLES
Impairment of goodwill	$ 0	$ 0	$ 0

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Deposits
Noninterest-bearing demand deposits	$ 242,237	$ 340,172
NOW accounts	336,446	343,296
Money market accounts	323,739	238,219
Savings accounts	170,073	171,779
Retail time deposits	170,980	129,864
Brokered certificates of deposit	438,319	292,504
Total deposits	$ 1,681,794	$ 1,515,834

DEPOSITS - Scheduled maturities

DEPOSITS - Scheduled maturities of certificates of deposit (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Deposits
2024	$ 573,052
2025	18,072
2026	6,732
2027	4,354
2028	7,089
Total	$ 609,299

DEPOSITS - Additional informati

DEPOSITS - Additional information (Details) - USD ($)	Sep. 30, 2023	Sep. 30, 2022
Deposits
FDIC	$ 250,000
Time deposits, at or above FDIC insurance limit	57,800,000	$ 32,600,000
Related party deposit liabilities	$ 5,300,000	$ 15,300,000

FEDERAL FUNDS PURCHASED (Detail

FEDERAL FUNDS PURCHASED (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
FEDERAL FUNDS PURCHASED
Line of credit expiry date	Jun. 30, 2021
Discretionary line of credit facility
FEDERAL FUNDS PURCHASED
Federal funds purchased	$ 22
Line of credit
FEDERAL FUNDS PURCHASED
Federal funds purchased	15
Federal funds outstanding	0	$ 0
Line of credit	$ 5
Percentage of bank equity	50%
Line of credit | Federal fund purchased
FEDERAL FUNDS PURCHASED
Federal funds purchased	$ 20
Percentage of Bank's equity capital	25%
Federal funds outstanding	$ 0	$ 0

BORROWINGS FROM FEDERAL HOME _3

BORROWINGS FROM FEDERAL HOME LOAN BANK - Borrowings from the FHLB (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
BORROWINGS FROM FEDERAL HOME LOAN BANK
2023 Weighted Average Rate		3%
2024 Weighted Average Rate	5.51%
2025 Weighted Average Rate	1.51%	1.51%
2026 Weighted Average Rate	1.13%	1.13%
2028 and beyond Weighted Average Rate	2.63%	1.27%
2023 Amount		$ 130,000
2024 Amount	$ 40,000
2025 Amount	10,000	10,000
2026 Amount	20,000	20,000
2028 and beyond Amount	285,000	135,000
Total advances	$ 355,000	$ 295,000
Line of credit balance (Weighted Average Rate)	5.66%	3.45%
Line of credit facility maximum amount outstanding	$ 8,183	$ 12,303
Borrowings from FHLB	$ 363,183	$ 307,303

BORROWINGS FROM FEDERAL HOME _4

BORROWINGS FROM FEDERAL HOME LOAN BANK - Additional Information (Details) - USD ($)	Sep. 30, 2023	Sep. 30, 2022	Jan. 21, 2022	May 31, 2017	Jun. 19, 2014
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	$ 1,786,194,000	$ 1,488,852,000
Debt securities available for sale, at fair value	$ 227,739,000	316,517,000
Debt securities, available-for-sale, pledged status extensible enumeration	us-gaap:AssetPledgedAsCollateralMember
Federal Home Loan Bank borrowings	$ 363,183,000	$ 307,303,000
Federal Home Loan Bank Advances
BORROWINGS FROM FEDERAL HOME LOAN BANK
Debt securities available for sale, at fair value	52,900,000
Investment Type Categorizations
BORROWINGS FROM FEDERAL HOME LOAN BANK
Line of Credit Facility, Fair Value of Amount Outstanding	0
Line of Credit Facility, Remaining Borrowing Capacity	1,900,000
Letter of credit
BORROWINGS FROM FEDERAL HOME LOAN BANK
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances				$ 2,200,000
Line of Credit Facility, Fair Value of Amount Outstanding	0
Line of Credit Facility, Remaining Borrowing Capacity	2,100,000
Letter of credit | Securities investment
BORROWINGS FROM FEDERAL HOME LOAN BANK
Federal Home Loan Bank borrowings					$ 3,300,000
Overdraft line of credit agreement | Securities investment
BORROWINGS FROM FEDERAL HOME LOAN BANK
Line of Credit Facility, Fair Value of Amount Outstanding	8,200,000
Line of Credit Facility, Remaining Borrowing Capacity			$ 25,000,000
Residential mortgage loans | Overdraft Line of Credit Agreement
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	179,400,000
Commercial real estate | Commercial real estate
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	$ 813,600,000

OTHER BORROWINGS - Additional I

OTHER BORROWINGS - Additional Information (Details) - USD ($)				12 Months Ended
	Mar. 18, 2022	Sep. 20, 2018	Sep. 20, 2018	Sep. 30, 2023	Sep. 30, 2022
OTHER BORROWINGS
Repurchase of subordinated debt				$ 1,340,000
Gain from repurchase of subordinated debt				660,000
Other borrowings				$ 0	$ 38,000,000
Weighted average interest rate					4.02%
Subordinated debt one
OTHER BORROWINGS
Principal amount		$ 20,000,000	$ 20,000,000
Fixed interest rate		6.02%	6.02%
Unamortized debt issuance costs					$ 68,000
Amortization period		5 years
Percentage of remaining debt				20%
Subordinated debt one | Secured Overnight Financing Rate ("SOFR")
OTHER BORROWINGS
Spread on variable rate			3.10%
Subordinated debt two
OTHER BORROWINGS
Principal amount	$ 31,000,000
Fixed interest rate	4.50%
Unamortized debt issuance costs				$ 556,000	$ 715,000
Amortization period	5 years
Repurchase of subordinated debt				2,000,000
Gain from repurchase of subordinated debt				660,000
Remaining Principal due				$ 29,000,000
Subordinated debt two | Secured Overnight Financing Rate ("SOFR")
OTHER BORROWINGS
Spread on variable rate	2.76%

DEFERRED COMPENSATION PLANS - D

DEFERRED COMPENSATION PLANS - Deferred Directors Fees Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Director
DEFERRED COMPENSATION PLANS
Deferred directors' fee expense	$ 241	$ 202	$ 166

DEFERRED COMPENSATION PLANS - A

DEFERRED COMPENSATION PLANS - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
DEFERRED COMPENSATION PLANS
Description of deferred compensation arrangement with individual	The Company accrues interest on the deferred obligation at an annual rate equal to the prime rate for the immediately preceding calendar quarter plus 2%, but in no event at a rate in excess of 8%
Agreement term	10 years
Director
DEFERRED COMPENSATION PLANS
Accrued benefits	$ 1.6	$ 1.5

BENEFIT PLANS - Contributions T

BENEFIT PLANS - Contributions To The Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
BENEFIT PLANS
Company contributions to the plan	$ 1,216	$ 1,366	$ 1,633

BENEFIT PLANS - Compensation Ex

BENEFIT PLANS - Compensation Expense Recognized (Details) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
BENEFIT PLANS
Compensation expense	$ 0	$ 0	$ 0

BENEFIT PLANS - Additional Info

BENEFIT PLANS - Additional Information (Details) $ / shares in Units, $ in Millions			12 Months Ended
	Sep. 15, 2021	Oct. 06, 2008 $ / shares shares	Sep. 30, 2021	Sep. 30, 2023 USD ($) shares	Sep. 30, 2022 USD ($) shares
BENEFIT PLANS
Total ESOP shares | shares		610,089		293,695	306,202
Employee stock ownership plan (per share) | $ / shares		$ 3.33
Stock split ratio	0.33		3
Aggregate fair value of shares allocated to ESOP participants | $				$ 4.3	$ 7

STOCK-BASED COMPENSATION PLAN_2

STOCK-BASED COMPENSATION PLANS (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
STOCK-BASED COMPENSATION PLANS
Stock option expense	$ 302	$ 296	$ 92
Restricted stock expense	$ 396	$ 391	$ 184

STOCK-BASED COMPENSATION PLAN_3

STOCK-BASED COMPENSATION PLANS - Fair Value Of Options Granted (Details) - $ / shares	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
STOCK-BASED COMPENSATION PLANS
Expected dividend yield	2.93%	2.32%	1.75%
Risk-free interest rate	3.94%	1.55%	2.13%
Expected volatility	27.70%	27%	14.60%
Expected life of options	6 years 9 months 18 days	7 years 1 month 6 days	7 years 6 months
Weighted average fair value at grant date	$ 5.71	$ 7.03	$ 6.13

STOCK-BASED COMPENSATION PLAN_4

STOCK-BASED COMPENSATION PLANS - Stock Option Activity (Details) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Number of Shares
Outstanding at beginning of year	351,369
Granted	66,000
Exercised	(1,200)	(2,955)	(6,840)
Forfeited or expired	(7,500)
Outstanding at end of year	408,669	351,369
Vested and expected to vest	408,669
Exercisable at end of year	224,010
Weighted Average Exercise Price
Outstanding at beginning of year	$ 20.57
Granted	22.49
Exercised	13.36
Forfeited or expired	26.72
Outstanding at end of year	20.79	$ 20.57
Vested and expected to vest	20.79
Exercisable at end of year	$ 17.80
Weighted Average Remaining Contractual Term (Years)
Outstanding at end of period	6 years 3 months 18 days
Vested and expected to vest	6 years 3 months 18 days
Exercisable at end of period	4 years 7 months 6 days
Aggregate Intrinsic Value
Outstanding at end of period	$ 174,000
Vested and expected to vest	174,000
Exercisable at end of period	$ 174,000

STOCK-BASED COMPENSATION PLAN_5

STOCK-BASED COMPENSATION PLANS - Non vested Restricted Shares (Details) - Restricted stock - $ / shares	1 Months Ended	12 Months Ended
	Nov. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Number of Shares
Nonvested		51,324
Granted	22,000	22,000
Vested		(16,408)	(12,225)	(13,125)
Forfeited		(2,000)
Nonvested		54,916	51,324
Weighted Average Grant Date Fair Value
Nonvested		$ 26.07
Granted		22.49
Vested		25.68
Forfeited		26.72
Nonvested		$ 24.73	$ 26.07

STOCK-BASED COMPENSATION PLAN_6

STOCK-BASED COMPENSATION PLANS - Additional Information (Details) - USD ($)	1 Months Ended	12 Months Ended
	Nov. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Terms of award		ten years
Proceeds from exercise of stock options		$ 16,000		$ 27,000
Compensation expense		$ 0	$ 0	0
Equity Incentive Plan 2016
Aggregated number of shares in stock options		264,000
Common stock available under incentive plan		4,560
Incentive stock options granted		$ 100,000
2021 Plan
Aggregate number of shares of the Company's common stock available for issuance		356,058
Number of stock options granted		267,043
Common stock available under incentive plan		93,058
2021 Plan | Minimum
Vesting period	1 year
2021 Plan | Maximum
Vesting period	5 years
Equity Incentive Plan 2010
Common stock available under incentive plan		0
Employee Stock Option
Vesting period		3 years 5 months 1 day
Intrinsic value of stock options exercised		$ 5,000	31,000	50,000,000,000
Unrecognized compensation expenses related to nonvested stock options		809,000
Proceeds from exercise of stock options		16,000	0	27,000
Tax benefit from the exercise of stock options		$ 1,000	8,000	10,000
Employee Stock Option | Equity Incentive Plan 2016
Aggregated number of shares in stock options		198,000
Common stock available under incentive plan		3,060
Employee Stock Option | 2021 Plan
Common stock available under incentive plan		69,793
Restricted stock
Number of restricted shares granted	22,000	22,000
Unrecognized compensation expenses related to nonvested stock options		$ 1
weighted average period of compensation expense (in years)		3 years 5 months 12 days
Fair value of restricted shares		$ 369,000	$ 327,000	$ 277,000
Restricted shares vested		16,408	12,225	13,125
Restricted stock | Minimum
Vesting period		1 year
Restricted stock | Maximum
Vesting period		5 years
Restricted stock | Equity Incentive Plan 2016
Aggregated number of shares in stock options		66,000
Common stock available under incentive plan		1,500
Restricted stock | 2021 Plan
Number of restricted shares granted		89,015
Common stock available under incentive plan		23,265
Stock options
Number of stock options granted	66,000
Terms of award		ten years
Stock options | Minimum
Vesting period		1 year
Stock options | Maximum
Vesting period		5 years
Stock options | Restricted stock
Number of equity incentive plans		3

INCOME TAXES - Consolidated Inc

INCOME TAXES - Consolidated Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
INCOME TAXES
Current													$ 726	$ 256	$ 2,166
Valuation allowance													109	(78)	(34)
Deferred													(825)	1,745	7,865
Income tax expense	$ (737)	$ 331	$ 333	$ 83	$ (446)	$ (61)	$ 1,619	$ 811	$ 958	$ 817	$ 3,695	$ 4,527	$ 10	$ 1,923	$ 9,997

INCOME TAXES - Reconciliation O

INCOME TAXES - Reconciliation Of Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
INCOME TAXES
Provision at federal statutory rate													$ 1,718	$ 3,635	$ 8,308
State income tax-net of federal tax benefit													119	160	901
Tax-exempt interest income													(1,684)	(1,314)	(1,045)
Bank owned life insurance													(227)	(209)	(194)
Captive insurance net premiums													83	(375)	(303)
Increase (decrease) in federal deferred tax valuation allowance													109	(78)	(20)
Nondeductible officer compensation															2,238
Nondeductible expenses													179	99
Tax credits													(352)
Other													65	5	112
Income tax expense	$ (737)	$ 331	$ 333	$ 83	$ (446)	$ (61)	$ 1,619	$ 811	$ 958	$ 817	$ 3,695	$ 4,527	$ 10	$ 1,923	$ 9,997

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets And Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Deferred tax assets:
Allowance for loan losses	$ 4,150	$ 3,719
Operating lease liability	1,068	1,100
Deferred compensation plans	386	354
Equity incentive plans	127	117
Other-than-temporary impairment loss on available for sale securities	15	17
Interest on nonaccrual loans	253	165
Loss on tax credit investments	244	1,638
Unrealized loss on securities available for sale	7,882	7,198
Net operating loss carryforwards		1,072
Tax credit carryforwards	2,407
Capital loss carryforwards	1,679
Historic tax credit carryforward	2,400
Mark to market adjustments	350	514
Accrued expenses	1,025	96
Other	952	1,100
Gross deferred tax assets	20,538	17,090
Valuation allowance	(1,679)	(1,570)
Net deferred tax assets	18,859	15,520
Deferred tax liabilities:
Accumulated depreciation	(2,269)	(2,099)
Operating lease right of use asset	(1,027)	(1,069)
Installment sale	(349)	(349)
Acquisition purchase accounting adjustments	(1,173)	(1,284)
Mortgage servicing rights	(14,775)	(15,498)
FHLB stock dividends	(72)	(71)
Prepaid expenses	(419)	(893)
Deferred loan fees and costs, net	(215)	(136)
Other	(274)	(101)
Deferred tax liabilities	(20,573)	(21,500)
Net deferred tax liability	$ (1,714)	$ (5,980)

INCOME TAXES - Additional Infor

INCOME TAXES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Federal statutory rate (in percent)	21%	21%	21%
Federal net operating loss carryforward not subject to expiration		$ 4,400,000
Deferred tax asses, valuation allowance	$ 1,679,000	1,570,000
Unrecognized income tax benefit	0	0
Retained earnings - substantially restricted	166,306,000	161,927,000
Unrecorded deferred income tax liability	957,000	957,000
Deferred tax assets carryforwards	2,400,000
Cumulative Effect Period Of Adoption Adjustment Member
Retained earnings - substantially restricted	4,600,000	$ 4,600,000
Federal
Deferred tax assets carryforwards	$ 2,300,000
Tax credit expiration period	20 years
State
Deferred tax assets carryforwards	$ 60,000
Tax credit expiration period	10 years

LEASES (Details)

LEASES (Details) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
LEASES
Operating lease ,existence of option to extend	true
ROU asset	$ 4,200,000	$ 4,400,000
Location of ROU asset	Other assets	Other assets
Lease liability	$ 4,355,000	$ 4,600,000
Location of lease liability	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Lease expense	$ 825,000	$ 1,100,000	$ 2,000,000
Minimum
LEASES
Renewal term	1 year
Noncancelable operating leases terms	3 years
Maximum
LEASES
Renewal term	20 years
Noncancelable operating leases terms	11 years

LEASES - Components of lease ex

LEASES - Components of lease expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
LEASES
Operating lease cost	$ 552	$ 621	$ 1,204
Short-term lease cost	273	501	836
Total operating lease cost	$ 825	$ 1,122	$ 2,040

LEASES - Future minimum commitm

LEASES - Future minimum commitments due under these lease agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
LEASES
2024	$ 347
2025	291
2026	249
2027	211
2028	212
Thereafter	4,779
Total lease payments	6,089
Less imputed interest	(1,734)
Total	$ 4,355	$ 4,600

LEASES - Lease term, discount r

LEASES - Lease term, discount rate and supplemental cash flow information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
LEASES
Weighted-average remaining lease term (years)	23 years	23 years 8 months 12 days
Weighted-average discount rate	2.97%	2.89%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 512	$ 607	$ 1,253
ROU assets obtained in exchange for lease obligations:
Operating leases	$ 188	$ 275	$ 2,038

LEASES - Lessor future minimum

LEASES - Lessor future minimum lease payments (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Lessor
2024	$ 469
2025	354
2026	8
2027	8
2028	5
2029 and thereafter	0
Total	$ 844

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	$ 354,254	$ 327,764
Fixed rate
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	15,220	53,692
Adjustable rate
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	54,157	71,167
Guarantees of third-party revolving credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	290	286
Undisbursed portion of home equity lines of credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	147,398	105,208
Undisbursed portion of commercial and personal lines of credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	64,330	52,146
Undisbursed portion of construction loans in process
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	$ 72,859	$ 45,265

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
COMMITMENTS AND CONTINGENCIES
Letters of credit	$ 1,900,000	$ 8,200,000
Amount of loss contingency	0	0
Fixed rate
COMMITMENTS AND CONTINGENCIES
Reserve for loan repurchases or indemnifications	676,000	435,000
Provisions for loan repurchases or indemnifications	$ 704,000	$ 672,000	$ 595,000

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Derivative Financial Instruments
Notional Amount	$ 133,040	$ 108,952
Asset Derivatives	923	1,030
Liability Derivatives	$ 196	$ 427
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued Liabilities and Other Liabilities	Accrued Liabilities and Other Liabilities
Interest rate lock commitments
Derivative Financial Instruments
Notional Amount	$ 67,040	$ 48,952
Asset Derivatives	452	158
Liability Derivatives	184	396
Forward mortgage loan sale contracts
Derivative Financial Instruments
Notional Amount	66,000	60,000
Asset Derivatives	471	872
Liability Derivatives	$ 12	$ 31

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS- Income (loss) Related To Derivative Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 1,858	$ 18,593	$ (9,230)
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing
Interest rate lock commitments
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 505	$ (1,805)	$ (13,370)
Forward mortgage loan sale contracts
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 1,353	$ 20,398	$ 4,140

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Additional Information (Details) - USD ($) $ in Millions	Sep. 30, 2023	Sep. 30, 2022
DERIVATIVE FINANCIAL INSTRUMENTS
Cash collateral derivative counterparty obligations	$ 1.5	$ 2.4

FAIR VALUE MEASUREMENTS - Balan

FAIR VALUE MEASUREMENTS - Balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	$ 227,739	$ 316,517
Residential mortgage loans held for sale - fair value option elected	24,692	38,579
Derivative assets (included in other assets)	$ 923	$ 1,030
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Residential mortgage servicing rights	$ 59,768	$ 63,263
Derivative liabilities (included in other liabilities)	196	427
SBA loan servicing rights	2,950	3,790
Agency mortgage-backed
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	24,268	27,500
Agency CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	12,742	14,821
Privately-issued CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	396	470
Privately-issued ABS
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	443	569
SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	10,745	12,012
Municipal bonds
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	151,484	233,850
Subordinated debt
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	1,712
Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	227,739	316,517
Derivative assets (included in other assets)	923	1,030
Equity securities (included in other assets)	160	103
Residential mortgage servicing rights	59,768	63,263
Derivative liabilities (included in other liabilities)	196	427
SBA loan servicing rights	2,950
Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Residential mortgage loans held for sale - fair value option elected	24,692	38,579
Fair Value, Measurements, Recurring | U.S. Treasury notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	25,949	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	24,268	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	12,742	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	396	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	443	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	10,745	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	151,484	233,850
Fair Value, Measurements, Recurring | Subordinated debt
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	1,712
Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	1,508	2,910
Fair Value, Measurements, Nonrecurring | Residential real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	306	2,574
Fair Value, Measurements, Nonrecurring | Commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans		46
Fair Value, Measurements, Nonrecurring | Commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	965
Fair Value, Measurements, Nonrecurring | SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	237	290
Fair Value, Measurements, Nonrecurring | SBA loan servicing rights
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		3,790
Level 1
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	0	0
Derivative assets (included in other assets)		0
Equity securities (included in other assets)	160	103
Derivative liabilities (included in other liabilities)	0	0
SBA loan servicing rights	0	0
Level 1 | Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	25,949
Equity securities (included in other assets)	160	103
Level 1 | Fair Value, Measurements, Recurring | U.S. Treasury notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	25,949
Level 1 | Fair Value, Measurements, Nonrecurring | Residential real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	0
Level 2
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	227,739	316,517
Derivative assets (included in other assets)		872
Equity securities (included in other assets)	0	0
Derivative liabilities (included in other liabilities)	12	31
SBA loan servicing rights	0	0
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	201,330	316,517
Derivative assets (included in other assets)	471	872
Derivative liabilities (included in other liabilities)	12	31
Level 2 | Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Residential mortgage loans held for sale - fair value option elected	24,692	38,579
Level 2 | Fair Value, Measurements, Recurring | U.S. Treasury notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value		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	24,268	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	12,742	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	46	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	364	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	10,714	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	151,484	233,850
Level 2 | Fair Value, Measurements, Recurring | Subordinated debt
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	1,712
Level 2 | Fair Value, Measurements, Nonrecurring | Residential real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	0
Level 3
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	0	0
Derivative assets (included in other assets)		158
Equity securities (included in other assets)	0	0
Derivative liabilities (included in other liabilities)	184	396
SBA loan servicing rights	2,950	3,790
Level 3 | Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value	460
Derivative assets (included in other assets)	452	158
Residential mortgage servicing rights	59,768	63,263
Derivative liabilities (included in other liabilities)	184	396
SBA loan servicing rights	2,950
Level 3 | 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	350
Level 3 | 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	79
Level 3 | 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	31
Level 3 | Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	1,508	2,910
Level 3 | Fair Value, Measurements, Nonrecurring | Residential real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	306	2,574
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans		46
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	965
Level 3 | Fair Value, Measurements, Nonrecurring | SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	$ 237	290
Level 3 | Fair Value, Measurements, Nonrecurring | SBA loan servicing rights
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		$ 3,790

FAIR VALUE MEASUREMENTS - Recon

FAIR VALUE MEASUREMENTS - Reconciliation of derivative assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
FAIR VALUE MEASUREMENTS
Beginning balance	$ (238)	$ 1,567
Unrealized gains (losses) recognized in earnings, net of settlements	506	(1,805)	$ (13,370)
Ending balance	$ 268	$ (238)	$ 1,567

FAIR VALUE MEASUREMENTS - Signi

FAIR VALUE MEASUREMENTS - Significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a recurring basis (Details) - Level 3 - Interest rate lock commitments	Sep. 30, 2023	Sep. 30, 2022
Pull-through rate | Minimum
FAIR VALUE MEASUREMENTS
Interest rate	0.54	0.50
Pull-through rate | Maximum
FAIR VALUE MEASUREMENTS
Interest rate	0.95	1
Pull-through rate | Weighted Average
FAIR VALUE MEASUREMENTS
Interest rate	0.81	0.78
Direct costs to close | Minimum
FAIR VALUE MEASUREMENTS
Interest rate	0	0
Direct costs to close | Maximum
FAIR VALUE MEASUREMENTS
Interest rate	0.0500	0.0400
Direct costs to close | Weighted Average
FAIR VALUE MEASUREMENTS
Interest rate	0.0062	0.0070

FAIR VALUE MEASUREMENTS - Summa

FAIR VALUE MEASUREMENTS - Summary of reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs (Level 3) (Details) - Mortgage Service Rights - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 63,263	$ 49,579	$ 21,703
Issuances (loans sold with servicing retained)	2,354	11,161	36,679
Net settlements	(4,237)	(7,539)	(9,555)
Unrealized gains (losses) included in earnings	(1,612)	10,062	752
Ending balance	$ 59,768	$ 63,263	$ 49,579

FAIR VALUE MEASUREMENTS - Sum_2

FAIR VALUE MEASUREMENTS - Summary of significant unobservable inputs used in the fair value measurement of impaired loans (Details)	Sep. 30, 2023	Sep. 30, 2022
Discount rate | Minimum
FAIR VALUE MEASUREMENTS
Collateral dependent loans	10	0
Discount rate | Maximum
FAIR VALUE MEASUREMENTS
Collateral dependent loans	50	80
Discount rate | Weighted Average
FAIR VALUE MEASUREMENTS
Collateral dependent loans	(14.22)	(16.37)
Estimated costs to sell | Minimum
FAIR VALUE MEASUREMENTS
Collateral dependent loans	6	0
Estimated costs to sell | Maximum
FAIR VALUE MEASUREMENTS
Collateral dependent loans	6	10
Estimated costs to sell | Weighted Average
FAIR VALUE MEASUREMENTS
Collateral dependent loans	(6)	(5.93)

FAIR VALUE MEASUREMENTS - Provi

FAIR VALUE MEASUREMENTS - Provisions for loan losses recognized for impaired loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Provision for loan losses recognized	$ 2,612	$ 1,908	$ (1,767)
Impaired Loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Provision for loan losses recognized	$ 256	$ 2,421	$ 381

FAIR VALUE MEASUREMENTS - Sum_3

FAIR VALUE MEASUREMENTS - Summary of significant unobservable inputs used in the fair value measurement of SBA loan servicing rights measured at fair value (Details) - SBA Loan Servicing Rights [Member] - Level 3	Sep. 30, 2023	Dec. 31, 2022	Sep. 30, 2022
Discount rate | Maximum [Member]
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	25		25
Discount rate | Minimum [Member]
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	10.25		6.90
Discount rate | Weighted Average
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	13.79		12.71
Prepayment speed | Maximum [Member]
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	32.85		29.26
Prepayment speed | Minimum [Member]
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	8.60		7.08
Prepayment speed | Weighted Average
FAIR VALUE MEASUREMENTS
SBA loan servicing rights	16.91	15.27

FAIR VALUE MEASUREMENTS - Sched

FAIR VALUE MEASUREMENTS - Schedule of Impairment Charges to Write Down Loan Servicing Rights at Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
FAIR VALUE MEASUREMENTS
Charges to write down SBA loan servicing rights	$ 882	$ 216	$ 66

FAIR VALUE MEASUREMENTS - Sum_4

FAIR VALUE MEASUREMENTS - Summary of Aggregate Fair Value and the Aggregate Remaining Principal Balance for Residential Mortgage Loans Held for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022
FAIR VALUE MEASUREMENTS
Residential mortgage loans held for sale Aggregate Fair Value	$ 24,692	$ 38,579
Residential mortgage loans held for sale Aggregate Principal Balance	24,382	38,517
Residential mortgage loans held for sale Difference	$ 309	$ 62

FAIR VALUE MEASUREMENTS - Sum_5

FAIR VALUE MEASUREMENTS - Summary of Gains and Losses and Interest Included in Earnings Related to Financial Assets Measured at Fair Value Under the Fair Value Options (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total gains and interest included in earnings	$ 2,738	$ 3,604	$ 7,712
Interest income
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Interest income	2,256	3,989	5,695
Mortgage Banking
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Gains (losses) - included in mortgage banking income	$ 482	$ (385)	$ 2,017

FAIR VALUE MEASUREMENTS - Carry

FAIR VALUE MEASUREMENTS - Carrying Value And Estimated Fair Value Of Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Financial assets:
Cash and due from banks	$ 18,014	$ 18,312
Interest-bearing deposits with banks	12,831	23,353
Securities available for sale	227,739	316,517
Securities held to maturity	1,300	1,558
Loans, net	1,770,243	1,474,544
SBA loan servicing rights	2,950	3,790
Derivative assets (included in other assets)	923	1,030
Financial liabilities:
Noninterest-bearing demand deposits	242,237	340,172
Interest-bearing deposits	1,439,557	1,175,662
Deposits	1,681,794	1,515,834
Borrowings from FHLB	363,183	307,303
Other borrowings	48,444	88,206
Accrued interest payable	8,926	1,302
Advance payments by borrowers for taxes and insurance	1,027	1,207
Derivative liabilities (included in other liabilities)	196	427
Level 1
Financial assets:
Cash and due from banks	18,014	18,312
Interest-bearing deposits with banks	12,831	23,353
Interest-bearing time deposits	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Residential mortgage loans held for sale	0	0
SBA loans held for sale	0	0
Loans, net	0	0
Accrued interest receivable	0	0
SBA loan servicing rights	0	0
Residential Mortgage Loan Servicing Rights	0	0
Nonresidential mortgage loan servicing rights	0	0
Derivative assets (included in other assets)		0
Derivative assets (included in other assets)	0
Equity securities (included in other assets)	160	103
Financial liabilities:
Noninterest-bearing demand deposits	242,237	340,172
Interest-bearing deposits	0	0
Borrowings from FHLB	0	0
Subordinated note	0	0
Other borrowings		0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)	0	0
Level 2
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	490	1,613
Securities available for sale	227,739	316,517
Securities held to maturity	38	1,593
Residential mortgage loans held for sale	24,692	38,579
SBA loans held for sale	22,591	24,010
Loans, net	0	0
Accrued interest receivable	10,161	8,332
SBA loan servicing rights	0	0
Residential Mortgage Loan Servicing Rights	0	0
Nonresidential mortgage loan servicing rights	0	0
Derivative assets (included in other assets)		872
Derivative assets (included in other assets)	471
Equity securities (included in other assets)	0	0
Financial liabilities:
Noninterest-bearing demand deposits	0	0
Interest-bearing deposits	0	0
Borrowings from FHLB	356,257	302,090
Subordinated note	46,940	48,685
Other borrowings		0
Accrued interest payable	8,926	1,302
Advance payments by borrowers for taxes and insurance	1,027	1,207
Derivative liabilities (included in other liabilities)	12	31
Level 3
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	0	0
Securities available for sale	0	0
Securities held to maturity	1,265	0
Residential mortgage loans held for sale	0	0
SBA loans held for sale	0	0
Loans, net	1,651,115	1,402,222
Accrued interest receivable	0	0
SBA loan servicing rights	2,950	3,790
Residential Mortgage Loan Servicing Rights	59,768	63,263
Nonresidential mortgage loan servicing rights	101	141
Derivative assets (included in other assets)		158
Derivative assets (included in other assets)	452
Equity securities (included in other assets)	0	0
Financial liabilities:
Noninterest-bearing demand deposits	0	0
Interest-bearing deposits	1,435,083	1,170,620
Borrowings from FHLB	0	0
Subordinated note	0	0
Other borrowings		37,989
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities (included in other liabilities)	184	396
Fair Value, Measurements, Recurring
Financial assets:
Securities available for sale	227,739	316,517
SBA loan servicing rights	2,950
Derivative assets (included in other assets)	923	1,030
Equity securities (included in other assets)	160	103
Financial liabilities:
Derivative liabilities (included in other liabilities)	196	427
Fair Value, Measurements, Recurring | Level 1
Financial assets:
Securities available for sale	25,949
Equity securities (included in other assets)	160	103
Fair Value, Measurements, Recurring | Level 2
Financial assets:
Securities available for sale	201,330	316,517
Derivative assets (included in other assets)	471	872
Financial liabilities:
Derivative liabilities (included in other liabilities)	12	31
Fair Value, Measurements, Recurring | Level 3
Financial assets:
Securities available for sale	460
SBA loan servicing rights	2,950
Derivative assets (included in other assets)	452	158
Financial liabilities:
Derivative liabilities (included in other liabilities)	184	396
Estimate of fair value measurement
Financial assets:
Cash and due from banks	18,014	18,312
Interest-bearing deposits with banks	12,831	23,353
Interest-bearing time deposits	490	1,613
Securities available for sale	227,739	316,517
Securities held to maturity	1,300	1,558
Residential mortgage loans held for sale	24,692	38,579
SBA loans held for sale		21,883
Loans, net	1,770,243	1,474,544
FRB and FHLB stock	24,939	20,004
Accrued interest receivable	10,161	8,332
SBA loan servicing rights	2,950	3,790
Residential Mortgage Loan Servicing Rights	59,768	63,263
Nonresidential mortgage loan servicing rights	101	141
Derivative assets (included in other assets)		1,030
Derivative assets (included in other assets)	923
Equity securities (included in other assets)	160	103
Financial liabilities:
Noninterest-bearing demand deposits	242,237	340,172
Interest-bearing deposits	1,439,557	1,175,662
Borrowings from FHLB	363,183	307,303
Subordinated note	48,444	50,217
Other borrowings		37,989
Accrued interest payable	8,926	1,302
Advance payments by borrowers for taxes and insurance	1,027	1,207
Derivative liabilities (included in other liabilities)	196	427
Estimate of fair value measurement | Small Business Administration Loans
Financial assets:
Loans, net	21,163
U.S. Treasury notes
Financial assets:
Securities available for sale	$ 25,949	$ 27,295

FAIR VALUE MEASUREMENTS - Addit

FAIR VALUE MEASUREMENTS - Additional information (Details) - USD ($)	12 Months Ended			24 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2023	Sep. 30, 2019
FAIR VALUE MEASUREMENTS
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]				Fees and Commissions, Mortgage Banking and Servicing
Unrealized gains recognized in earnings	$ 268,000,000	$ 238,000
Derivative assets and liabilities held at the balance sheet date	268,000	(238,000)	$ 1,567,000	$ 268,000	$ 14,937,000
Impairment charges on nonresidential mortgage loan servicing rights	$ 0	$ 0	$ 0

CAPITAL REQUIREMENTS AND REST_3

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Bank's Actual Capital Amounts And Ratios) (Detail) $ in Thousands	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
Consolidated
Total capital (to risk-weighted assets) Actual Amount	$ 230,735	$ 224,895
Tier I capital (to risk-weighted assets) Actual Amount	165,391	159,318
Common equity tier I capital (to risk-weighted assets) Actual Amount	165,391	159,318
Tier I capital (to average adjusted total assets) Actual Amount	$ 165,391	$ 159,318
Total capital (to risk weighted assets) Actual Ratio	0.1147	0.1233
Tier I capital (to risk-weighted assets) Actual Ratio	0.0822	0.0873
Common equity tier I capital (to risk-weighted assets) Actual Ratio	0.0822%	0.0873%
Tier I capital (to average adjusted total assets) Actual Ratio	0.0724	0.0796
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 160,965	$ 145,973
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	120,724	109,480
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	90,543	82,110
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 91,375	$ 80,031
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.0600	0.0600
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Ratio	0.0400	0.0400
Bank
Total capital (to risk-weighted assets) Actual Amount	$ 226,461	$ 208,280
Tier I capital (to risk-weighted assets) Actual Amount	209,561	192,920
Common equity tier I capital (to risk-weighted assets) Actual Amount	209,561	192,920
Tier I capital (to average adjusted total assets) Actual Amount	$ 209,561	$ 192,920
Total capital (to risk weighted assets) Actual Ratio	0.1127	0.1144
Tier I capital (to risk-weighted assets) Actual Ratio	0.1042	0.1059
Common equity tier I capital (to risk-weighted assets) Actual Ratio	0.1042%	0.1059%
Tier I capital (to average adjusted total assets) Actual Ratio	0.0917	0.0958
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 160,822	$ 145,713
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	120,616	109,285
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	90,462	81,963
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 91,406	$ 80,555
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.0600	0.0600
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Ratio	0.0400	0.0400
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 201,027	$ 182,141
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	160,822	145,713
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	130,668	118,392
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 114,257	$ 100,693
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.1000	0.1000
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.0800	0.0800
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.065%	0.065%
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.0500	0.0500

CAPITAL REQUIREMENTS AND REST_4

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS - Additional Information (Details) $ / shares in Units, $ in Thousands			12 Months Ended
	Sep. 15, 2021 item	Aug. 16, 2021 item $ / shares shares	Sep. 30, 2023 USD ($) $ / shares	Sep. 30, 2022 $ / shares	Sep. 30, 2021	Mar. 31, 2008 USD ($)
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Percentage of capital conservation buffer			2.50%	2.50%	2.50%
Liquidation account						$ 29,300
Common stock, par value | $ / shares		$ 0.01	$ 0.01	$ 0.01
Dividend split ratio | item	0.33	0.33
Number of shares issued as dividend for every share held under stock split | shares		2
Maximum amount to attain consolidated capital requirements			$ 3,000,000
Amount Deducted from Capital for Interest Rate Risk			$ 0

SUPPLEMENTAL DISCLOSURE FOR E_3

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE - Earnings per share information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Basic:
Net income attributable to First Savings Financial Group, Inc.									$ 4,849	$ 4,308	$ 10,487	$ 9,923	$ 8,172	$ 15,386	$ 29,567
Shares:
Weighted average common shares outstanding, basic													6,848,311	7,058,550	7,107,786
Net income per common share, basic	$ (0.11)	$ 0.34	$ 0.54	$ 0.42	$ 0.20	$ 0.37	$ 0.99	$ 0.60	$ 0.68	$ 0.61	$ 1.48	$ 1.40	$ 1.19	$ 2.18	$ 4.16
Diluted:
Net income attributable to First Savings Financial Group, Inc.													$ 8,172	$ 15,386	$ 29,567
Shares:
Weighted average common shares outstanding, basic													6,848,311	7,058,550	7,107,786
Add: Dilutive effect of outstanding Options													31,761	71,240	56,176
Add: Dilutive effect of restricted stock														12,056	9,771
Weighted average common shares outstanding, as adjusted													6,880,072	7,141,846	7,173,733
Net income per common share, diluted	$ (0.11)	$ 0.34	$ 0.54	$ 0.42	$ 0.20	$ 0.37	$ 0.98	$ 0.60	$ 0.67	$ 0.60	$ 1.46	$ 1.39	$ 1.19	$ 2.15	$ 4.12

SUPPLEMENTAL DISCLOSURE FOR E_4

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE - Additional Information (Details) - shares	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Antidilutive restricted stock awards	280,989	137,250	49,974
Restricted stock awards
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Antidilutive restricted stock awards	0	0	0

PARENT COMPANY CONDENSED FINA_3

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - Balance Sheets (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Assets:
Cash and due from banks	$ 18,014	$ 18,312
Other assets	29,290	18,765
Total Assets	2,288,854	2,093,725	$ 1,721,394
Liabilities and Equity:
Stockholders' equity	150,981	151,565
Total Liabilities and Equity	2,288,854	2,093,725
Reportable Legal Entities | Parent Company
Assets:
Cash and due from banks	7,425	16,940
Other assets	1,489	1,165
Investment in subsidiaries	190,946	184,315
Total Assets	199,860	202,420
Liabilities and Equity:
Subordinated notes	48,444	50,217
Accrued expenses	435	638
Stockholders' equity	150,981	151,565
Total Liabilities and Equity	$ 199,860	$ 202,420

PARENT COMPANY CONDENSED FINA_4

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Dividend income from subsidiaries													$ 1,435	$ 729	$ 582
Interest expense													1,665	989	1,256
Income (loss) before income taxes and equity in undistributed net income of subsidiaries	$ (1,484)	$ 2,655	$ 4,057	$ 2,954	$ 962	$ 2,577	$ 8,654	$ 5,116	$ 5,807	$ 5,125	$ 14,182	$ 14,852	8,182	17,309	39,966
Income tax expense (benefit)	(737)	331	333	83	(446)	(61)	1,619	811	958	817	3,695	4,527	10	1,923	9,997
Net income	$ (747)	$ 2,324	$ 3,724	$ 2,871	$ 1,408	$ 2,638	$ 7,035	$ 4,305	$ 4,849	$ 4,308	$ 10,487	$ 10,325	8,172	15,386	29,969
Equity in undistributed net income of subsidiaries													0	0	(402)
Net income													8,172	15,386	29,567
Comprehensive Income (Loss)													5,664	(20,593)	27,660
Reportable Legal Entities | Parent Company
Dividend income from subsidiaries													1,335	1,300	5,175
Interest expense													(2,794)	(2,111)	(1,274)
Other operating income													660
Other operating expenses													(1,525)	(1,475)	(1,076)
Income (loss) before income taxes and equity in undistributed net income of subsidiaries													(2,324)	(2,286)	2,825
Income tax expense (benefit)													772	795	504
Net income													(1,552)	(1,491)	3,329
Equity in undistributed net income of subsidiaries													9,724	16,877	26,238
Net income													8,172	15,386	29,567
Comprehensive Income (Loss)													$ 5,664	$ (20,593)	$ 27,258

PARENT COMPANY CONDENSED FINA_5

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Operating Activities:
Net income	$ 8,172	$ 15,386	$ 29,567
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries	0	0	402
Stock compensation expense	698	688	277
Gain from repurchase of subordinated debt	(660)
Net cash provided by (used in) operating activities	32,758	148,812	114,893
Investing Activities:
Net cash used in investing activities	(263,988)	(544,218)	(55,877)
Financing Activities:
Repurchase of subordinated debt	(1,340)
Net proceeds from subordinated debt		30,258
Exercise of stock options	16		27
Tax paid on stock award shares for employees	30	48	41
Purchase of treasury stock	(2,625)	(4,745)
Net cash provided by (used in) financing activities	220,410	403,643	(59,314)
Net increase (decrease) in cash and due from banks	(10,820)	8,237	(298)
Cash and due from banks at beginning of year	41,665
Cash and due from banks at end of year	30,845	41,665
Reportable Legal Entities | Parent Company
Operating Activities:
Net income	8,172	15,386	29,567
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries	(9,724)	(16,877)	(26,238)
Amortization of subordinated debt issuance costs	227	0	0
Stock compensation expense	698	688	277
Gain from repurchase of subordinated debt	(660)	0	0
Net change in other assets and liabilities	(456)	(93)	201
Net cash provided by (used in) operating activities	(1,743)	(896)	3,807
Investing Activities:
Investment in bank subsidiary	0	(10,000)	0
Net cash used in investing activities	0	(10,000)	0
Financing Activities:
Repurchase of subordinated debt	(1,340)	0	0
Net proceeds from subordinated debt	0	30,258	0
Exercise of stock options	16	0	27
Tax paid on stock award shares for employees	(30)	(48)	(41)
Purchase of treasury stock	(2,625)	(4,745)	0
Dividends paid	(3,793)	(4,499)	(1,685)
Net cash provided by (used in) financing activities	(7,772)	20,966	(1,699)
Net increase (decrease) in cash and due from banks	(9,515)	10,070	2,108
Cash and due from banks at beginning of year	16,940	6,870	4,762
Cash and due from banks at end of year	$ 7,425	$ 16,940	$ 6,870

CONCENTRATION OF CREDIT RISK (D

CONCENTRATION OF CREDIT RISK (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
CONCENTRATION OF CREDIT RISK
Concentration of credit risk with correspondent banks in excess of the federal deposit insurance limit	$ 9.4	$ 13.4

SELECTED QUARTERLY FINANCIAL _3

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
Interest income	$ 28,137	$ 26,798	$ 24,811	$ 23,483	$ 21,152	$ 18,479	$ 15,801	$ 15,762	$ 16,243	$ 16,150	$ 16,840	$ 16,026	$ 103,229	$ 71,194	$ 65,259
Interest expense	12,601	11,933	9,899	7,222	4,327	2,568	1,788	1,859	1,819	1,921	2,060	2,287	41,655	10,542	8,087
Net interest income	15,536	14,865	14,912	16,261	16,825	15,911	14,013	13,903	14,424	14,229	14,780	13,739	61,574	60,652	57,172
Provision (credit) for loan losses	815	441	372	984	880	532	(30)	526	8	(2,730)	287	668	2,612	1,908	(1,767)
Net interest income after provision (credit) for loan losses	14,721	14,424	14,540	15,277	15,945	15,379	14,043	13,377	14,416	16,959	14,493	13,071	58,962	58,744	58,939
Noninterest income	5,442	7,196	7,516	5,188	4,531	10,033	20,072	16,591	16,495	18,785	38,973	46,183	25,342	51,227	120,436
Noninterest expenses	21,647	18,965	17,999	17,511	19,514	22,835	25,461	24,852	25,104	30,619	39,284	44,402	76,122	92,662	139,409
Income (loss) before taxes	(1,484)	2,655	4,057	2,954	962	2,577	8,654	5,116	5,807	5,125	14,182	14,852	8,182	17,309	39,966
Income tax expense (benefit)	(737)	331	333	83	(446)	(61)	1,619	811	958	817	3,695	4,527	10	1,923	9,997
Net income	$ (747)	$ 2,324	$ 3,724	$ 2,871	$ 1,408	$ 2,638	$ 7,035	$ 4,305	4,849	4,308	10,487	10,325	8,172	15,386	29,969
Net income (loss) attributable to noncontrolling interest in subsidiary									0	0	0	402
Net income (loss) attributable to First Savings Financial Group, Inc.									$ 4,849	$ 4,308	$ 10,487	$ 9,923	$ 8,172	$ 15,386	$ 29,567
Net income per common share, basic	$ (0.11)	$ 0.34	$ 0.54	$ 0.42	$ 0.20	$ 0.37	$ 0.99	$ 0.60	$ 0.68	$ 0.61	$ 1.48	$ 1.40	$ 1.19	$ 2.18	$ 4.16
Net income per common share, diluted	$ (0.11)	$ 0.34	$ 0.54	$ 0.42	$ 0.20	$ 0.37	$ 0.98	$ 0.60	$ 0.67	$ 0.60	$ 1.46	$ 1.39	$ 1.19	$ 2.15	$ 4.12

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Sep. 30, 2023 USD ($) segment	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
SEGMENT REPORTING
Number of operating segments | segment													3
Net interest income	$ 15,536	$ 14,865	$ 14,912	$ 16,261	$ 16,825	$ 15,911	$ 14,013	$ 13,903	$ 14,424	$ 14,229	$ 14,780	$ 13,739	$ 61,574	$ 60,652	$ 57,172
Provision (credit) for loan losses													2,612	1,908	(1,767)
Net interest income after provision	14,721	14,424	14,540	15,277	15,945	15,379	14,043	13,377	14,416	16,959	14,493	13,071	58,962	58,744	58,939
Net gains on sales of loans, SBA													2,717	3,698	8,740
Mortgage banking income													14,331	38,337	104,504
Noninterest income	5,442	7,196	7,516	5,188	4,531	10,033	20,072	16,591	16,495	18,785	38,973	46,183	25,342	51,227	120,436
Noninterest expense	21,647	18,965	17,999	17,511	19,514	22,835	25,461	24,852	25,104	30,619	39,284	44,402	76,122	92,662	139,409
Income (loss) before taxes	(1,484)	2,655	4,057	2,954	962	2,577	8,654	5,116	5,807	5,125	14,182	14,852	8,182	17,309	39,966
Income tax expense (benefit)	(737)	331	333	83	(446)	(61)	1,619	811	958	817	3,695	4,527	10	1,923	9,997
Net income	(747)	$ 2,324	$ 3,724	$ 2,871	1,408	$ 2,638	$ 7,035	$ 4,305	4,849	$ 4,308	$ 10,487	$ 10,325	8,172	15,386	29,969
Non-cash items:
Depreciation and amortization													2,549	2,448	2,300
Segment assets	2,288,854				2,093,725				1,721,394				2,288,854	2,093,725	1,721,394
Core Banking
SEGMENT REPORTING
Net interest income													56,214	52,184	44,893
Provision (credit) for loan losses													3,270	1,295	(1,782)
Net interest income after provision													52,944	50,889	46,675
Mortgage banking income													88	(2)	4
Noninterest income													7,762	8,292	6,331
Noninterest expense													45,017	39,979	35,267
Income (loss) before taxes													15,689	19,202	17,739
Income tax expense (benefit)													1,911	2,133	2,438
Net income													13,778	17,069	15,301
Non-cash items:
Depreciation and amortization													2,439	2,256	2,021
Segment assets	2,110,311				1,880,813				1,320,773				2,110,311	1,880,813	1,320,773
SBA Lending
SEGMENT REPORTING
Net interest income													4,176	6,108	10,339
Provision (credit) for loan losses													(658)	613	15
Net interest income after provision													4,834	5,495	10,324
Net gains on sales of loans, SBA													2,717	3,698	8,740
Noninterest income													3,337	4,623	9,661
Noninterest expense													9,600	8,721	9,374
Income (loss) before taxes													(1,429)	1,397	10,611
Income tax expense (benefit)													(381)	408	2,512
Net income													(1,048)	989	8,099
Non-cash items:
Depreciation and amortization													20	30	42
Segment assets	89,724				105,342				168,342				89,724	105,342	168,342
Mortgage Banking
SEGMENT REPORTING
Net interest income													1,184	2,360	1,940
Net interest income after provision													1,184	2,360	1,940
Mortgage banking income													14,243	38,339	104,500
Noninterest income													14,243	38,312	104,444
Noninterest expense													21,505	43,962	94,768
Income (loss) before taxes													(6,078)	(3,290)	11,616
Income tax expense (benefit)													(1,520)	(618)	5,047
Net income													(4,558)	(2,672)	6,569
Non-cash items:
Depreciation and amortization													90	162	237
Segment assets	$ 88,819				$ 107,570				$ 232,279				$ 88,819	$ 107,570	$ 232,279

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Sources of Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													$ 5,630	$ 5,444	$ 4,559
Gain (loss) on securities													(551)	476
Gain on sale of SBA loans													2,717	3,698	8,740
Gain on sale of single tenant net lease loans														719
Mortgage banking income													14,331	38,337	104,504
Increase in cash value of life insurance													1,081	993	785
Real estate lease income													469	571	592
Other													1,665	989	1,256
Other noninterest income													19,712	45,783	115,877
Total noninterest income	$ 5,442	$ 7,196	$ 7,516	$ 5,188	$ 4,531	$ 10,033	$ 20,072	$ 16,591	$ 16,495	$ 18,785	$ 38,973	$ 46,183	25,342	51,227	120,436
Service charges on deposit accounts
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													2,017	1,864	1,468
ATM and interchange fees
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													2,756	2,753	2,399
Investment Advisory Income
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													746	717	589
Other
REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers													$ 111	$ 110	$ 103

MORTGAGE BANKING INCOME (Detail

MORTGAGE BANKING INCOME (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
MORTGAGE BANKING INCOME
Origination and sale of mortgage loans	$ 6,300	$ (674)	$ 83,874
Mortgage brokerage income	369	762	1,500
Net change in fair value of loans held for sale and interest rate lock commitments	987	(4,206)	(18,856)
Realized and unrealized hedging gains (losses)	1,353	20,398	4,140
Capitalized residential mortgage loan servicing rights	2,354	11,161	36,679
Net change in fair value of residential mortgage loan servicing rights	(5,849)	2,523	(8,803)
Net loan servicing income	9,521	9,045	6,565
Provisions for loan repurchases and indemnifications	(704)	(672)	(595)
Total mortgage banking income	$ 14,331	$ 38,337	$ 104,504