First Savings Financial (FSFG) 10-Q 9 May 24 2024 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Mar. 31, 2024	May 02, 2024
Document And Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Document Transition Report	false
Entity File Number	1-34155
Entity Registrant Name	First Savings Financial Group, Inc.
Entity Incorporation, State or Country Code	IN
Entity Tax Identification Number	37-1567871
Entity Address, Address Line One	702 North Shore Drive
Entity Address, Address Line Two	Suite 300
Entity Address, City or Town	Jeffersonville
Entity Address, State or Province	IN
Entity Address, Postal Zip Code	47130
City Area Code	812
Local Phone Number	283-0724
Title of 12(b) Security	Common stock, $0.01 par value per share
Trading Symbol	FSFG
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		6,883,160
Entity Central Index Key	0001435508
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
Amendment Flag	false

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
ASSETS
Cash and due from banks	$ 16,114	$ 18,014
Interest-bearing deposits with banks	46,855	12,831
Total cash and cash equivalents	62,969	30,845
Interest-bearing time deposits	490	490
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	238,972	227,739
Debt securities held to maturity		1,300
Debt securities held to maturity	1,170
Loans held for sale, residential mortgage, at fair value	2,979	24,692
Loans held for sale, Small Business Administration	16,129	21,163
Loans, net of allowance for credit losses of $19,392 at March 31, 2024 and $16,900 at September 30, 2023		1,770,243
Loans, net of allowance for credit losses of $19,392 at March 31, 2024 and $16,900 at September 30, 2023	1,882,458
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	24,986	24,939
Premises and equipment, net	27,177	27,861
Other real estate owned, held for sale	647	677
Accrued interest receivable:
Loans	8,951	7,809
Securities	1,923	2,352
Cash surrender value of life insurance	46,888	46,226
Goodwill	9,848	9,848
Core deposit intangibles	479	561
Residential mortgage loan servicing rights, at fair value		59,768
Nonresidential mortgage loan servicing rights	78	101
SBA loan servicing rights	2,950	2,950
Other assets	35,889	29,290
Total Assets	2,364,983	2,288,854
Deposits:
Noninterest-bearing	196,239	242,237
Interest-bearing	1,591,207	1,439,557
Total deposits	1,787,446	1,681,794
Federal Home Loan Bank borrowings	315,000	363,183
Other borrowings	48,523	48,444
Accrued interest payable	11,281	8,926
Advance payments by borrowers for taxes and insurance	867	1,027
Reserve for unfunded lending commitments	1,623	0
Accrued expenses and other liabilities	35,187	34,499
Total Liabilities	2,199,927	2,137,873
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 7,797,146 shares at March 31, 2024 (7,778,471 at September 30, 2023); outstanding 6,883,160 shares at March 31, 2024 (6,867,121 shares at September 30, 2023)	78	78
Additional paid-in capital	27,397	26,986
Retained earnings - substantially restricted	167,648	166,306
Accumulated other comprehensive loss	(17,144)	(29,587)
Unearned stock compensation	(1,096)	(1,015)
Less treasury stock, at cost - 913,986 shares (911,350 shares at September 30, 2023)	(11,827)	(11,787)
Total Stockholders' Equity	165,056	150,981
Total Liabilities and Stockholders' Equity	$ 2,364,983	$ 2,288,854

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited)
Allowance for Credit Losses	$ 23
Loans, net of allowance for loan losses		$ 16,900
Loans, net of allowance for loan losses	$ 19,392	$ 16,900
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	7,797,146	7,778,471
Common stock, shares outstanding	6,883,160	6,867,121
Treasury stock, shares	913,986	911,350

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
INTEREST INCOME
Loans, including fees	$ 27,019,000	$ 21,297,000	$ 53,076,000	$ 41,482,000
Securities:
Taxable	924,000	957,000	1,866,000	1,912,000
Tax-exempt	1,313,000	2,001,000	2,646,000	3,980,000
Dividend income	499,000	364,000	573,000	584,000
Interest-bearing deposits with banks	261,000	192,000	510,000	336,000
Total interest income	30,016,000	24,811,000	58,671,000	48,294,000
INTEREST EXPENSE
Deposits	12,547,000	6,265,000	22,536,000	10,423,000
Federal Home Loan Bank borrowings	2,298,000	2,915,000	6,067,000	4,834,000
Other borrowings	833,000	719,000	1,617,000	1,864,000
Total interest expense	15,678,000	9,899,000	30,220,000	17,121,000
Net interest income	14,338,000	14,912,000	28,451,000	31,173,000
Provision for credit losses - loans	713,000	372,000	1,183,000	1,356,000
Credit for unfunded lending commitments	(259,000)	0	(317,000)	0
Provision for credit losses - securities	23,000		23,000
Net interest income after provision for credit losses	13,861,000	14,540,000	27,562,000	29,817,000
NONINTEREST INCOME
Service charges on deposit accounts	387,000	471,000	860,000	1,029,000
ATM and interchange fees	585,000	586,000	1,034,000	1,325,000
Net unrealized gain on equity securities	6,000	21,000	44,000	35,000
Other than temporary impairment loss on securities				(28,000)
Net gain on sales of loans, Small Business Administration	951,000	907,000	1,785,000	1,682,000
Mortgage banking income	53,000	4,149,000	142,000	6,645,000
Increase in cash surrender value of life insurance	333,000	266,000	662,000	491,000
Commission income	220,000	189,000	442,000	317,000
Real estate lease income	115,000	117,000	230,000	234,000
Net gain on premises and equipment	120,000	29,000	120,000	29,000
Other income	940,000	781,000	1,173,000	945,000
Total noninterest income	3,710,000	7,516,000	6,492,000	12,704,000
NONINTEREST EXPENSE
Compensation and benefits	7,589,000	10,407,000	17,252,000	21,092,000
Occupancy and equipment	1,673,000	1,920,000	3,714,000	3,780,000
Data processing	516,000	983,000	1,309,000	1,760,000
Advertising	212,000	519,000	530,000	937,000
Professional fees	501,000	778,000	1,580,000	1,571,000
FDIC insurance premiums	628,000	369,000	1,114,000	677,000
Net loss on other real estate owned	2,000		8,000
Other operating expenses	657,000	3,023,000	2,310,000	5,693,000
Total noninterest expense	11,778,000	17,999,000	27,817,000	35,510,000
Net income before income taxes	5,793,000	4,057,000	6,237,000	7,011,000
Income tax expense	866,000	333,000	390,000	416,000
Net Income	$ 4,927,000	$ 3,724,000	$ 5,847,000	$ 6,595,000
Net income per share:
Basic (in dollars per share)	$ 0.72	$ 0.54	$ 0.86	$ 0.96
Diluted (in dollars per share)	$ 0.72	$ 0.54	$ 0.85	$ 0.95
Weighted average shares outstanding:
Basic (in shares)	6,832,130	6,842,897	6,828,017	6,879,805
Diluted (in shares)	6,859,611	6,881,496	6,849,928	6,926,277
Dividends per share	$ 0.15	$ 0.14	$ 0.29	$ 0.27

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
Net Income	$ 4,927	$ 3,724	$ 5,847	$ 6,595
Unrealized gains (losses) on securities available for sale:
Unrealized holding gains (losses) arising during the period	(4,526)	6,077	15,704	16,276
Income tax (expense) benefit	970	(1,276)	(3,279)	(3,418)
Net of tax amount	(3,556)	4,801	12,425	12,858
Less: reclassification adjustment for provision for credit losses on securities included in net income	23		23
Income tax expense	(5)		(5)
Net of tax amount	18		18
Less: reclassification adjustment for other-than-temporary impairment loss on securities included in net income				28
Income tax benefit				(6)
Net of tax amount				22
Other Comprehensive Income (Loss)	(3,538)	4,801	12,443	12,880
Comprehensive Income	$ 1,389	$ 8,525	$ 18,290	$ 19,475

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Common Stock Cumulative effect, period of adoption, adjusted balance	Common Stock	Additional Paid-in Capital Cumulative effect, period of adoption, adjusted balance	Additional Paid-in Capital	Retained Earnings Cumulative effect period of adoption adjustment member	Retained Earnings Cumulative effect, period of adoption, adjusted balance	Retained Earnings	Accumulated Other Comprehensive Income (Loss) Cumulative effect, period of adoption, adjusted balance	Accumulated Other Comprehensive Income (Loss)	Unearned Stock Compensation Cumulative effect, period of adoption, adjusted balance	Unearned Stock Compensation	Treasury Stock Cumulative effect, period of adoption, adjusted balance	Treasury Stock	Cumulative effect period of adoption adjustment member	Cumulative effect, period of adoption, adjusted balance	Total
Balances at Sep. 30, 2022		$ 78		$ 26,770			$ 161,927		$ (27,079)		$ (969)		$ (9,162)			$ 151,565
Net Income							6,595									6,595
Other Comprehensive Income (Loss)									12,880							12,880
Common stock dividends							(1,870)									(1,870)
Restricted stock grants				495							(495)
Restricted stock forfeitures				(53)							53
Stock compensation expense				153							200					353
Purchase of treasury shares													(2,625)			(2,625)
Balances at Mar. 31, 2023		78		27,365			166,652		(14,199)		(1,211)		(11,787)			166,898
Balances at Dec. 31, 2022		78		27,347			163,890		(19,000)		(1,361)		(10,810)			160,144
Net Income							3,724									3,724
Other Comprehensive Income (Loss)									4,801							4,801
Common stock dividends							(962)									(962)
Restricted stock forfeitures				(53)							53
Stock compensation expense				71							97					168
Purchase of treasury shares													(977)			(977)
Balances at Mar. 31, 2023		78		27,365			166,652		(14,199)		(1,211)		(11,787)			166,898
Balances at Sep. 30, 2023		78		26,986			166,306		(29,587)		(1,015)		(11,787)			150,981
Net Income							5,847									5,847
Other Comprehensive Income (Loss)									12,443							12,443
Common stock dividends							(1,995)									(1,995)
Restricted stock grants				294							(294)
Restricted stock forfeitures				(18)							18
Stock compensation expense				153							195					348
Purchase of treasury shares													(40)			(40)
Distribution to Q2 minority interest				(18)												(18)
Balances at Mar. 31, 2024	$ 78	78	$ 26,986	27,397	$ (2,510)	$ 163,796	167,648	$ (29,587)	(17,144)	$ (1,015)	(1,096)	$ (11,787)	(11,827)	$ (2,510)	$ 148,471	165,056
Balances at Dec. 31, 2023		78		27,319			163,753		(13,606)		(1,194)		(11,827)			164,523
Net Income							4,927									4,927
Other Comprehensive Income (Loss)									(3,538)							(3,538)
Common stock dividends							(1,032)									(1,032)
Stock compensation expense				78							98					176
Balances at Mar. 31, 2024	$ 78	$ 78	$ 26,986	$ 27,397	$ (2,510)	$ 163,796	$ 167,648	$ (29,587)	$ (17,144)	$ (1,015)	$ (1,096)	$ (11,787)	$ (11,827)	$ (2,510)	$ 148,471	$ 165,056

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited) (Parenthetical) - $ / shares	3 Months Ended	6 Months Ended
	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited)
Common stock dividends - per share	$ 0.14	$ 0.29	$ 0.27
Restricted stock grants - shares		19,475	22,000
Restricted stock forfeitures - shares	2,000	800	2,000
Purchase of treasury shares	50,000	2,636	124,710

CONDENSED CONSOLIDATED STATEM_5

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 5,847,000	$ 6,595,000
Adjustments to reconcile net income to net cash provided by (used in )
Provision for credit losses - loans	1,183,000	1,356,000
Credit for unfunded lending commitments	(317,000)	0
Provision for credit losses - securities	23,000
Depreciation and amortization	1,201,000	1,262,000
Amortization of premiums and accretion of discounts on securities, net	145,000	351,000
Amortization and accretion of fair value adjustments on loans, net	(631,000)	(758,000)
Loans originated for sale, residential mortgage	(61,979,000)	(192,616,000)
Loans originated for sale, Small Business Administration	(23,498,000)	(16,779,000)
Proceeds on sales of loans, residential mortgage	82,076,000	195,499,000
Proceeds on sales of loans, Small Business Administration	30,530,000	27,772,000
Net realized (gain) loss on sale of residential mortgage loans	1,368,000	(466,000)
Net realized gain on sale of SBA loans	(1,961,000)	(1,223,000)
Capitalization of loan servicing rights	(1,044,000)	(898,000)
Proceeds from sale of residential mortgage loan servicing rights	59,464,000
Loss on sale of residential mortgage loan servicing rights	4,000
Net change in value of residential loan servicing rights	809,000	2,507,000
Net change in value of SBA and nonresidential mortgage loan servicing rights	558,000	539,000
Net realized and unrealized gain on other real estate owned	(5,000)
Other than temporary impairment loss on securities		28,000
Increase in cash surrender value of life insurance	(662,000)	(491,000)
Net gain on equity securities	(44,000)	(35,000)
Deferred income taxes	(15,382,000)	(1,381,000)
Stock compensation expense	348,000	353,000
Net gain on premises and equipment	(120,000)	(29,000)
Increase in accrued interest receivable	(713,000)	(1,541,000)
Increase in accrued interest payable	2,355,000	1,352,000
Change in other assets	(1,478,000)	(9,840,000)
Change in other liabilities	12,557,000	9,646,000
Net Cash Provided by Operating Activities	90,634,000	21,203,000
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits		(490,000)
Proceeds from maturities of interest-bearing time deposits		470,000
Purchase of securities available for sale		(11,273,000)
Principal collected and proceeds from maturities of securities available for sale	4,327,000	8,836,000
Principal collected and proceeds from maturities of securities held to maturity	130,000	124,000
Net increase in loans	(114,196,000)	(124,988,000)
Proceeds from redemption of Federal Reserve Bank and Federal Home Loan Bank stock	1,000	15,000
Purchase of Federal Reserve Bank and Federal Home Loan Bank stock	(48,000)	(3,600,000)
Proceeds from sale of other real estate	35,000
Proceeds from sale of premises and equipment	150,000
Purchase of premises and equipment	(386,000)	(1,623,000)
Investment in partnership interests	(3,779,000)	(3,441,000)
Distribution to Q2 minority interests	(18,000)
Net Cash Used In Investing Activities	(113,784,000)	(135,970,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	105,652,000	27,048,000
Net increase (decrease) in Federal Home Loan Bank line of credit	(8,183,000)	492,000
Proceeds from Federal Home Loan Bank advances	1,310,000,000	5,890,000,000
Repayment of Federal Home Loan Bank advances	(1,350,000,000)	(5,760,000,000)
Net decrease in other borrowings		(37,989,000)
Net decrease in advance payments by borrowers for taxes and insurance	(160,000)	(114,000)
Taxes paid on stock award shares for employees		(30,000)
Purchase of treasury shares	(40,000)	(2,625,000)
Dividends paid on common stock	(1,995,000)	(1,870,000)
Net Cash Provided By Financing Activities	55,274,000	114,912,000
Net Increase in Cash and Cash Equivalents	32,124,000	145,000
Cash and cash equivalents at beginning of period	30,845,000	41,665,000
Cash and Cash Equivalents at End of Period	62,969,000	41,810,000
Supplemental Disclosures of Cash Flow Information:
Interest	27,865,000	15,769,000
Income taxes (net of refunds received)	$ 6,080,000	$ (114,000)

Presentation of Interim Informa

Presentation of Interim Information	6 Months Ended
	Mar. 31, 2024
Presentation of Interim Information
Presentation of Interim Information	1. Presentation of Interim Information First Savings Financial Group, Inc. (the “Company”) is a financial holding company and the parent of First Savings Bank (the “Bank”). The Bank, which is a wholly-owned Indiana-chartered commercial bank subsidiary of the Company, provides a variety of banking services to individuals and business customers through 16 locations in southern Indiana. The Bank attracts deposits primarily from the general public and uses those funds, along with other borrowings, primarily to originate commercial mortgage, residential mortgage, construction, commercial business and consumer loans, and to a lesser extent, to invest in mortgage-backed securities, municipal bonds and other investment securities. The Bank has three wholly-owned subsidiaries: Q2 Business Capital, LLC(“Q2”), an Indiana limited liability company that specializes in the origination and servicing of U.S. Small Business Administration (“SBA”) loans, First Savings Investments, Inc., a Nevada corporation that manages a securities portfolio, and Southern Indiana Financial Corporation, which is currently inactive. 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. During the three-month period ended December 31, 2023, the Bank ceased its national originate-to-sell mortgage banking operation. The Bank continues to originate residential mortgage loans in its local southern Indiana and first-lien home equity lines of credit from its loan production office in Franklin, Tennessee. In the opinion of management, the accompanying unaudited condensed consolidated financial statements include all adjustments considered necessary to present fairly the financial position as of March 31, 2024, the results of operations for the three- and six-month periods ended March 31, 2024 and 2023, and the cash flows for the six-month periods ended March 31, 2024 and 2023. All of these adjustments are of a normal, recurring nature. Such adjustments are the only adjustments included in the unaudited condensed consolidated financial statements. Interim results are not necessarily indicative of results for a full year. The unaudited condensed consolidated financial statements and notes have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial statements, conform to general practices within the banking industry and are presented as permitted by the instructions to Form 10-Q. Accordingly, they do not contain certain information included in the Company’s audited consolidated financial statements and related notes for the year ended September 30, 2023 included in the Company’s Annual Report on Form 10-K. The unaudited condensed consolidated financial statements include the accounts of the Company and its subsidiaries. All material intercompany balances and transactions have been eliminated in consolidation. Loans and Allowance for Credit Losses Loans Held for Investment Loans are stated at unpaid principal balances, less net deferred loan fees and the allowance for credit losses. Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of deferred loan fees is discontinued when a loan is placed on nonaccrual status. Nonaccrual Loans The recognition of income on a loan is discontinued and previously accrued interest is reversed when interest or principal payments become 90 days past due unless, in the opinion of management, the outstanding interest remains collectible and is well secured and in process of collection. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income on nonaccrual loans is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss is considered remote. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. Loan Charge-Offs For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. An ACL is recognized if necessary. Partial charge-offs of loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for credit 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 Credit Losses – Loans As disclosed in Note 11, Recent Accounting Pronouncements, on October 1, 2023, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. Management considers forward-looking information in estimating expected credit losses. For the contractual term that extends beyond the reasonable and supportable forecast period, the Company reverts to the long term average of historical factors using a straight-line approach. The Company uses a four-quarter forecast with immediate reversion to historical losses. Management estimates the ACL balance using relevant available information from both internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Historical credit loss experience paired with economic forecasts provides the basis for the quantitatively modeled estimates of expected credit losses. The Company adjusts its quantitative model, as necessary, to reflect conditions not already considered by the quantitative model. The adjustments are commonly known as the Qualitative Framework. The ACL model for each segment is adjusted for (1) changes in the Company’s lending policy, (2) changes in international, national, regional and local economic conditions, (3) changes in the nature and volume of the portfolio and terms of loans, (4) changes in the experience, depth and ability of lending management, (5) changes in the volume and severity of past due loans and other similar conditions, (6) changes in the quality of the Company’s loan review system, (7) changes in the value of underlying collateral, (8) the existence and effect of any concentrations of credit and changes in the levels of such concentrations and (9) the effect of other external factors such as competition, legal and regulatory requirements. Changes in forecasted expectations for these variables could result in volatility in the Company’s ACL in future periods. The ACL is measured on a collective (pool) basis when similar risk characteristics exist utilizing a weighted average remaining maturity loss methodology.The ACL utilizes historical charge off rates that were internally calculated as well as peer charge off data. In many cases, the peer data, which showed higher loss rates, was utilized due to representing a better approximation of management’s estimate of the expected losses on the loan segments. For loans evaluated on a pool basis, the Company applies an average historical loss rate to the pool over its estimated remaining life assuming a constant attrition rate. Loans that do not share risk characteristics are evaluated on an individual basis. The Company maintains a net book balance threshold of $500,000 for individually evaluated loans unless further analysis in the future suggests a change is needed to this threshold based on the credit environment at that time. For collateral dependent financial assets where the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the financial asset to be provided substantially through the operation or sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the asset as of the measurement date. When repayment is expected to be from the operation of the collateral, expected credit losses are calculated as the amount by which the amortized cost basis of the financial asset exceeds the present value of expected cash flows from the operation of the collateral. When repayment is expected to be from the sale of the collateral, expected credit losses are calculated as the amount by which the amortized cost basis of the financial asset exceeds the fair value of the underlying collateral less estimated cost to sell. The allowance for credit losses may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the financial asset. If the loan is not collateral dependent, the measurement of loss is based on the difference between the expected and contractual future cash flows of the loan. Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals or modifications, unless the Company reasonably expects it will execute a loan modification with a borrower. In the event of a reasonably expected loan modification, the Company factors the reasonably-expected loan modification into the current expected credit losses estimate. The Company has identified the following portfolio segments and measures and adjusts the ACL using the following methods: Residential real estate The residential real estate ACL model is adjusted for forecasted changes in the housing price indices at both the national and local level, the Case-Schiller Home Price Index, the national unemployment rate, Consumer Price Index (“CPI”) and Real Gross Domestic Product (“Real GDP”). Commercial real estate, single tenant net lease and multifamily The Company offers multi-family mortgage loans that are generally secured by properties in our primary market area. Multi-family loans are secured by first mortgages and generally are originated with a maximum loan-to-value ratio of 80% and generally require specified debt service coverage ratios depending on the characteristics of the project. The Company offers single tenant net lease loans, which are derived from a commercial real estate lending program that is focused on loans to high net worth individuals and that are secured by low loan-to-value, single-tenant commercial properties that are generally leased to investment grade national-brand retailers, the borrowers and collateral properties for which are outside of our primary market area (“NNN Finance Program”). This program is designed to diversify the Company’s geographic and credit risk profile given the geographic dispersion of the loans and collateral, and the investment grade credit of the national-brand lessees. The terms of the loans are generally consistent with the aforementioned terms of in-market commercial real estate loans; however, these cannot exceed 70% loan-to-value and loan maturities cannot exceed the expiration of the underlying leases. The commercial real estate, single tenant net lease and multi-family ACL models are adjusted for changes in the Commercial Real Estate Price Index, which is a time series of commercial property values prepared by the Board of Governors of the Federal Reserve System, and the national unemployment rate, CPI and Real GDP. SBA commercial real estate and SBA commercial business The SBA commercial real estate ACL model is adjusted for the Commercial Real Estate Price Index. Both the SBA commercial real estate ACL model and the SBA commercial business model are adjusted for the national unemployment rate, CPI and Real GDP. Residential and commercial construction The construction ACL model is adjusted for forecasted changes in the housing price indices, the Case-Schiller Home Price Index, the national unemployment rate, CPI and Real GDP. Land and land development The land and land development ACL model is adjusted for forecasted changes in the housing price indices, the Case-Schiller Home Price Index, the national unemployment rate, CPI and Real GDP. Commercial business The commercial business ACL model is adjusted for changes in the national unemployment level, CPI and Real GDP. Consumer The ACL model for consumer loans is adjusted for forecasted changes in the housing price indices, the Case-Schiller Home Price Index, the national unemployment rate, CPI and Real GDP. Allowance for Unfunded Commitments The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives consistent with the Company’s ACL methodology for loans and leases. The allowance for unfunded commitments was $1.6 million as of March 31, 2024. There was no ACL on unfunded commitments at September 30, 2023. The Company recorded a credit for credit losses on unfunded commitments of $259,000 and $317,000 for the three- and six-months periods ended March 31, 2024, respectively. There was no provision for credit losses on unfunded commitments for the three- and six-month periods ended March 31, 2023. Allowance for Credit Losses – Held to Maturity (HTM) Securities The Company measures expected credit losses on HTM securities on a collective basis by major security type with each type sharing similar risk characteristics. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. The Company has made the election to exclude accrued interest receivable on HTM securities from the estimate of credit losses and report accrued interest separately on the condensed consolidated balance sheets. See Note 2 – Investment Securities, for additional information related the Company’s allowance for credit losses on HTM securities. ​ Allowance for Credit Losses – Available for Sale (AFS) Securities For AFS securities in an unrealized loss position, the Company first evaluates whether it intends to sell, or whether it is more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either of these criteria regarding intent or requirement to sell is met, the AFS security amortized cost basis is written down to fair value through income. If the criteria is not met, the Company is required to assess whether the decline in fair value has resulted from credit losses of noncredit-related factors. If the assessment indicates a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists, and an allowance for credit loss is recorded through income as a component of provision for credit loss expense. If the assessment indicates that a credit loss does not exist, the Company records the decline in fair value through other comprehensive income, net of related income tax effects. The Company has made the election to exclude accrued interest receivable on AFS securities from the estimate of credit losses and report accrued interest separately on the condensed consolidated balance sheets. Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met. See Note 2 – Investment Securities, for additional information related to the Company’s allowance for credit losses on AFS securities. Collateral Dependent Loans A loan is considered collateral dependent 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 collateral dependency include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Individually evaluated loans are 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 collateral dependent. 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 a collateral dependent loan. In instances where it is not deemed necessary to obtain a new appraisal, management would base its allowance for credit loss on the original appraisal with adjustments for current conditions based on management’s assessment of market factors and management’s inspection of the property. Financial Difficulty Modifications Effective October 1, 2023, the Company prospectively adopted ASU 2022-02, which eliminated the accounting for troubled debt restructurings (“TDRs”) while establishing a new standard for the disclosure of modifications made to borrowers experiencing financial difficulties (Financial Difficulty Modifications, or “FDMs”). As such, effective with the adoption of the standard, the Company prospectively will not include performing FDMs in the calculation of nonperforming loans, nonperforming assets or classified assets. Prior period data, which included TDRs, has not been adjusted.

Investment Securities

Investment Securities	6 Months Ended
	Mar. 31, 2024
Investment Securities
Investment Securities	2. Investment Securities U.S. agency bonds and notes, agency mortgage-backed securities and agency collateralized mortgage obligations (“CMO”) include treasury notes issued by the U.S. government; securities issued by the Government National Mortgage Association (“GNMA”), a U.S. government agency; and securities issued by the Federal National Mortgage Association (“FNMA”), the Federal Home Loan Mortgage Corporation (“FHLMC”) and the Federal Home Loan Bank (“FHLB”), which are U.S. government sponsored enterprises. The Company holds municipal bonds issued by municipal governments within the U.S. The Company also holds pass-through asset-backed securities guaranteed by the SBA representing participating interests in pools of long term debentures issued by state and local development companies certified by the SBA. Privately issued CMO and asset-backed securities (“ABS”) are complex securities issued by non-government special purpose entities that are collateralized by residential mortgage loans and residential home equity loans. The Company also holds subordinated debt of a regional financial institution. Investment securities have been classified according to management’s intent. At this time, the Company does not intend to sell, and it is not more likely than not that the Company will be required to sell, debt securities in an unrealized loss position prior to maturity or recovery of the recorded value. The Company recorded $23,000 of reserves on investment securities for the three- and six-month periods ended March 31, 2024. The Company recorded no reserves on investment securities for the three- and six-month periods ended March 31, 2023. The Company’s held to maturity (“HTM”) debt securities consist of two agency mortgage-backed securities and two municipal bonds. The agency mortgage-backed securities carry an explicit and/or implicit guarantee of the U.S. government, are widely considered as “risk free” and have a long history of zero credit loss. The two HTM municipal bonds are unrated, but have performed as agreed and are not considered to be credit impaired. The carrying value of HTM debt securities totaled $1.2 million at March 31, 2024. There were no HTM securities on nonaccrual status or past due as of March 31, 2024 Debt Securities Available for Sale and Held to Maturity The following tables provide a summary of debt securities available for sale and held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ Allowance ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ for Credit ​ Fair ​ Cost Gain Losses ​ ​ Losses Value ​ ​ (In thousands) March 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,665 ​ $ — ​ $ 3,695 ​ $ — ​ $ 26,970 Agency mortgage-backed ​ ​ 27,726 ​ ​ — ​ ​ 3,212 ​ ​ — ​ ​ 24,514 Agency CMO ​ 13,807 ​ — ​ 1,080 ​ ​ — ​ 12,727 Privately-issued CMO ​ 287 ​ 2 ​ 1 ​ ​ 23 ​ 265 Privately-issued ABS ​ 367 ​ 13 ​ 2 ​ ​ — ​ 378 SBA certificates ​ 11,251 ​ — ​ 428 ​ ​ — ​ 10,823 Municipal bonds ​ 174,612 ​ 415 ​ 12,932 ​ ​ — ​ 162,095 Other ​ ​ 2,000 ​ ​ — ​ ​ 800 ​ ​ — ​ ​ 1,200 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale ​ $ 260,715 ​ $ 430 ​ $ 22,150 ​ $ 23 ​ $ 238,972 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 32 ​ $ — ​ $ — ​ $ — ​ $ 32 Municipal bonds ​ 1,138 ​ 11 ​ — ​ ​ — ​ 1,149 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,170 ​ $ 11 ​ $ — ​ $ — ​ $ 1,181 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gain Losses ​ Value ​ ​ (In thousands) 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 Other ​ ​ 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 ​ The amortized cost and fair value of investment securities as of March 31, 2024 by contractual maturity are shown below. CMO, ABS, SBA certificates, and mortgage-backed securities which do not have a single maturity date are shown separately. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair ​ Cost Value Cost Value ​ ​ (In thousands) Due within one year ​ $ 4,401 ​ $ 4,367 ​ $ 254 ​ $ 256 Due after one year through five years ​ 8,262 ​ 8,140 ​ 606 ​ 612 Due after five years through ten years ​ 44,344 ​ 39,390 ​ 278 ​ 281 Due after ten years ​ 150,270 ​ 138,368 ​ — ​ — CMO ​ 14,094 ​ 12,992 ​ — ​ — ABS ​ 367 ​ 378 ​ — ​ — SBA certificates ​ 11,251 ​ 10,823 ​ — ​ — Mortgage-backed securities ​ 27,726 ​ 24,514 ​ 32 ​ 32 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 260,715 ​ $ 238,972 ​ $ 1,170 ​ $ 1,181 ​ ​ The following tables provide the fair value and gross unrealized losses on investment securities in an unrealized loss position for which an allowance for credit losses has not been recorded, aggregated by investment category and the length of time the individual securities have been in a continuous loss position: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized ​ Positions Value Losses ​ ​ (Dollars in thousands) March 31, 2024: ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 5 ​ $ 1,611 ​ $ 26 Agency mortgage-backed ​ 1 ​ ​ 55 ​ ​ 2 Municipal bonds ​ 16 ​ ​ 17,881 ​ ​ 115 Other 1 ​ ​ 1,200 ​ ​ 800 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 23 ​ 20,747 ​ 943 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ U.S. Treasury notes ​ 1 ​ ​ 25,359 ​ ​ 3,669 Agency mortgage-backed ​ 14 ​ ​ 24,105 ​ ​ 3,210 Agency CMO ​ 15 ​ ​ 12,728 ​ ​ 1,080 Privately-issued CMO ​ 1 ​ ​ 244 ​ ​ 1 Privately-issued ABS 1 ​ 165 ​ 2 SBA certificates 3 ​ 10,822 ​ 428 Municipal bonds 118 ​ 107,395 ​ 12,817 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 153 ​ 180,818 ​ 21,207 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 176 ​ $ 201,565 ​ $ 22,150 ​ At March 31, 2024, the Company did not have any securities held to maturity with an unrealized loss. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized ​ ​ Positions ​ Value ​ Losses ​ ​ (Dollars in thousands) 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 ​ ​ All debt securities available for sale with unrealized losses are reviewed quarterly. For debt securities available for sale in an unrealized loss position, the Company first assesses whether it intends to sell or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through the income statement. For debt securities available for sale in an unrealized loss position that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit deterioration or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis for the security, a credit loss exists and an allowance for credit losses is recorded, limited to the amount that the fair value of the security is less than its amortized cost basis. The total debt securities available for sale in loss positions at March 31, 2024, which consisted of U.S. Treasury notes, agency mortgage-backed securities, agency CMOs, privately-issued CMOs, privately-issued ABS, municipal bonds, SBA certificates and other securities represented 84% of total debt securities available for sale at March 31, 2024. 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 March 31, 2024, the Company held five privately-issued CMO and ABS securities, acquired in a 2009 bank merger, with an aggregate amortized cost of $508,000 and fair value of $488,000 that have been downgraded to a substandard regulatory classification due to the securities credit quality rating by various rating agencies. At March 31, 2024, two privately-issued CMO securities and one privately-issued ABS were in a loss position, and had depreciated approximately 5.8% from the Company’s carrying value and were collateralized by residential mortgage loans. These securities had a total fair value of $409,000 and a total unrealized loss of $25,000 at March 31, 2024. Based on the independent third party analysis of the expected cash flows, two securities had a credit loss totaling $23,000 that was recorded through provision for credit losses on securities during the three- and six-month periods ended March 31, 2024. No other-than temporary impairment was recognized during the three months ended March 31, 2023. An other-than temporary impairment charge of $28,000 was recognized in the six months ended March 31, 2023, which was prior to the Company’s adoption of CECL. While the Company does not anticipate additional credit-related impairment losses at March 31, 2024, additional deterioration in market and economic conditions may have an adverse impact on the credit quality of the portfolio, and therefore, require a credit related impairment charge in the future. The unrealized losses on U.S. Treasury bills and notes, agency mortgage-backed securities, agency CMOs, SBA certificates and municipal bonds relate principally to changes in current interest rates for similar types of securities. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government, its agencies, or other governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of its amortized cost bases, which may be maturity, the Company has not recorded an allowance for credit losses at March 31, 2024. During the three-and six-month periods ended March 31, 2024 and 2023, there were no sales of debt securities available for sale. At March 31, 2024 and September 30, 2023, available for sale debt securities with a total fair value of $53.8 million and $52.9 million, respectively, were pledged to secure FHLB borrowings. At March 31, 2024, available for sale debt securities with a total fair value of $61.6 million were pledged to secure Federal Reserve Discount Window borrowings. At September 30, 2023, there were no available for sale debt securities pledged to secure Federal Reserve Discount Window borrowings. The following table provides information about the activity for available for sale debt securities for which an allowance for credit losses was recorded, by major security type for the three- and six-month periods ended March 31, 2024. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses ​ ​ Private Label CMO ​ ​ Three-Months ​ Six-Months ​ ​ Ended ​ Ended ​ ​ March 31, 2024 ​ March 31, 2024 Allowance for credit losses ​ ​ ​ ​ ​ ​ Beginning of year, October 1, 2023 ​ $ — ​ $ — Provision for credit loss expense ​ 24 ​ 24 Reductions due to increases in expected cash flows ​ (1) ​ (1) Recoveries ​ — ​ — Balance at end of period ​ $ 23 ​ $ 23 ​

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	6 Months Ended
	Mar. 31, 2024
Loans and Allowance for Credit Losses
Loans and Allowance for Credit Losses	3. Loans and Allowance for Credit Losses Loans at March 31, 2024 and September 30, 2023 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, September 30, ​ ​ 2024 ​ 2023 ​ ​ (In thousands) Real estate mortgage: ​ ​ Residential ​ $ 609,182 ​ $ 528,410 Commercial ​ 183,522 ​ 187,232 Single tenant net lease ​ ​ 751,357 ​ ​ 757,388 SBA commercial (1) ​ ​ 47,008 ​ ​ 47,078 Multifamily ​ 39,944 ​ 34,892 Residential construction ​ 52,166 ​ 24,924 Commercial construction ​ 20,978 ​ 14,588 Land and land development ​ 15,573 ​ 17,234 Commercial business ​ 124,153 ​ 117,594 SBA commercial business (1) ​ ​ 18,568 ​ ​ 16,939 Consumer ​ ​ 38,467 ​ ​ 39,915 Total loans ​ 1,900,918 ​ 1,786,194 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net ​ 932 ​ 949 Allowance for credit losses ​ (19,392) ​ (16,900) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,882,458 ​ $ 1,770,243 (1) Includes discounts on SBA loans of $3.4 million and $3.3 million for March 31, 2024 and September 30, 2023, respectively. During the six-month period ended March 31, 2024, there were no significant changes in the Company’s lending activities as disclosed in the Company’s Annual Report on Form 10-K, for the fiscal year ended September 30, 2023. As discussed in Note 11, on October 1, 2023, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments At March 31, 2024 and September 30, 2023, the Company owned $444,000 of residential real estate where physical possession has been obtained. At March 31, 2024 and September 30, 2023, the recorded investment in consumer mortgage loans collateralized by residential real estate properties in the process of foreclosure was $539,000. The following table provides the components of loans as of September 30, 2023, prior to the adoption of ASU 2016-13 ( in thousands ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ The following table presents the balance in the allowance for credit losses by portfolio segment and based on impairment method as of September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) September 30, 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 ​ The following table presents the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Balance Provisions (Credits) Charge-Offs Recoveries Ending Balance ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2024: ​ (In thousands) Residential real estate ​ $ 5,688 ​ $ 686 ​ $ — ​ $ 7 ​ $ 6,381 Commercial real estate ​ 1,797 ​ (152) ​ — ​ — ​ 1,645 Single tenant net lease ​ 4,080 ​ (316) ​ — ​ — ​ 3,764 SBA commercial real estate ​ 2,871 ​ — ​ — ​ 1 ​ 2,872 Multifamily ​ 321 ​ 89 ​ — ​ — ​ 410 Residential construction ​ 304 ​ 47 ​ — ​ — ​ 351 Commercial construction ​ 384 ​ 47 ​ — ​ — ​ 431 Land and land development ​ 197 ​ (23) ​ — ​ — ​ 174 Commercial business ​ 1,222 ​ 288 ​ (26) ​ — ​ 1,484 SBA commercial business ​ 1,499 ​ (49) ​ (21) ​ 5 ​ 1,434 Consumer ​ 426 ​ 96 ​ (101) ​ 25 ​ 446 ​ ​ $ 18,789 ​ $ 713 ​ $ (148) ​ $ 38 ​ $ 19,392 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2023: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,100 ​ $ 424 ​ $ — ​ $ 13 ​ $ 3,537 Commercial real estate ​ 1,751 ​ 32 ​ — ​ — ​ 1,783 Single tenant net lease ​ 3,804 ​ (78) ​ — ​ — ​ 3,726 SBA commercial real estate ​ 2,398 ​ 212 ​ (3) ​ — ​ 2,607 Multifamily ​ 252 ​ 74 ​ — ​ — ​ 326 Residential construction ​ 367 ​ (121) ​ — ​ — ​ 246 Commercial construction ​ 83 ​ — ​ — ​ — ​ 83 Land and land development ​ 200 ​ (2) ​ — ​ — ​ 198 Commercial business ​ 1,255 ​ 37 ​ — ​ 30 ​ 1,322 SBA commercial business ​ 2,338 ​ (262) ​ — ​ 12 ​ 2,088 Consumer ​ 532 ​ 56 ​ (56) ​ 10 ​ 542 ​ ​ $ 16,080 ​ $ 372 ​ $ (59) ​ $ 65 ​ $ 16,458 ​ The following table presents the activity in the allowance for credit losses by portfolio segment for the six months ended March 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Balance Adoption of ASC 326 Provisions (Credits) Charge-Offs Recoveries Ending Balance ​ ​ (In thousands) March 31, 2024: ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 4,641 ​ $ 1,037 ​ $ 695 ​ $ — ​ $ 8 ​ $ 6,381 Commercial real estate ​ 1,777 ​ 255 ​ (387) ​ — ​ — ​ 1,645 Single tenant net lease ​ 3,810 ​ 222 ​ (268) ​ — ​ — ​ 3,764 SBA commercial real estate ​ 1,922 ​ 511 ​ 379 ​ (2) ​ 62 ​ 2,872 Multifamily ​ 268 ​ (21) ​ 163 ​ — ​ — ​ 410 Residential construction ​ 434 ​ (226) ​ 143 ​ — ​ — ​ 351 Commercial construction ​ 282 ​ 43 ​ 106 ​ — ​ — ​ 431 Land and land development ​ 307 ​ (74) ​ (59) ​ — ​ — ​ 174 Commercial business ​ 1,714 ​ (495) ​ 291 ​ (26) ​ — ​ 1,484 SBA commercial business ​ 1,247 ​ 160 ​ 23 ​ (24) ​ 28 ​ 1,434 Consumer ​ 498 ​ 17 ​ 97 ​ (209) ​ 43 ​ 446 ​ ​ $ 16,900 ​ $ 1,429 ​ $ 1,183 ​ $ (261) ​ $ 141 ​ $ 19,392 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ — ​ $ 806 ​ $ — ​ $ 15 ​ $ 3,537 Commercial real estate ​ 1,590 ​ — ​ 193 ​ — ​ — ​ 1,783 Single tenant net lease ​ 3,838 ​ — ​ (112) ​ — ​ — ​ 3,726 SBA commercial real estate ​ 2,578 ​ — ​ 106 ​ (77) ​ — ​ 2,607 Multifamily ​ 251 ​ — ​ 75 ​ — ​ — ​ 326 Residential construction ​ 305 ​ — ​ (59) ​ — ​ — ​ 246 Commercial construction ​ 107 ​ — ​ (24) ​ — ​ — ​ 83 Land and land development ​ 212 ​ — ​ (14) ​ — ​ — ​ 198 Commercial business ​ 1,193 ​ — ​ 69 ​ — ​ 60 ​ 1,322 SBA commercial business ​ 2,122 ​ — ​ 128 ​ (190) ​ 28 ​ 2,088 Consumer ​ 448 ​ — ​ 188 ​ (121) ​ 27 ​ 542 ​ ​ $ 15,360 ​ $ — ​ $ 1,356 ​ $ (388) ​ $ 130 ​ $ 16,458 ​ The following table presents the average balance of impaired loans individually evaluated for impairment as of March 31, 2023, prior to the Company’s adoption of ASU 2016-13 and interest income recognized on impaired loans for the three- and six-month periods ended March 31, 2023. The Company did not recognize any interest income on impaired loans using the cash receipts method during the three- and six-month periods ended March 31, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended March 31, ​ Six Months Ended March 31, ​ ​ 2023 2023 ​ Average Interest Average ​ Interest ​ ​ Recorded ​ Income Recorded ​ Income ​ ​ Balance Recognized Balance Recognized Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,591 ​ $ 30 ​ $ 3,236 ​ $ 30 Commercial real estate ​ 969 ​ 13 ​ ​ 973 ​ ​ 13 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,822 ​ ​ — ​ ​ 7,199 ​ ​ — Multifamily ​ 384 ​ 10 ​ ​ 389 ​ ​ 10 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — Commercial business ​ 895 ​ 24 ​ ​ 993 ​ ​ 24 SBA commercial business ​ 954 ​ — ​ ​ 813 ​ ​ — Consumer ​ 72 ​ — ​ ​ 75 ​ ​ — ​ ​ $ 14,687 ​ $ 77 ​ $ 13,678 ​ $ 77 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ — Commercial real estate ​ — ​ — ​ ​ — ​ ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 1,022 ​ ​ — ​ ​ 1,596 ​ ​ — Multifamily ​ — ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — Commercial business ​ 135 ​ — ​ ​ 90 ​ ​ — SBA commercial business ​ 1,229 ​ — ​ ​ 1,259 ​ ​ — Consumer ​ 223 ​ — ​ ​ 197 ​ ​ — ​ ​ $ 2,609 ​ $ — ​ $ 3,142 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,591 ​ $ 30 ​ $ 3,236 ​ $ 30 Commercial real estate ​ 969 ​ 13 ​ ​ 973 ​ ​ 13 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 8,844 ​ ​ — ​ ​ 8,795 ​ ​ — Multifamily ​ 384 ​ 10 ​ ​ 389 ​ ​ 10 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — Commercial business ​ 1,030 ​ 24 ​ ​ 1,083 ​ ​ 24 SBA commercial business ​ 2,183 ​ — ​ ​ 2,072 ​ ​ — Consumer ​ 295 ​ — ​ ​ 272 ​ ​ — ​ ​ $ 17,296 ​ $ 77 ​ $ 16,820 ​ $ 77 ​ The following table presents impaired loans individually evaluated for impairment as of September 30, 2023, prior to the adoption of ASU 2016-13. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Related ​ ​ Balance ​ Balance ​ Allowance ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,989 ​ $ 2,139 ​ $ — Commercial real estate ​ 551 ​ 627 ​ — Single tenant net lease ​ — ​ — ​ — SBA commercial real estate ​ 7,415 ​ 9,397 ​ — Multifamily ​ 318 ​ 362 ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — Land and land development ​ ​ — ​ ​ — ​ ​ — Commercial business ​ ​ 870 ​ ​ 972 ​ ​ — SBA commercial business ​ 684 ​ 1,799 ​ — Consumer ​ ​ 44 ​ ​ 58 ​ ​ — ​ ​ $ 11,871 ​ $ 15,354 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ Residential real estate ​ $ 1,323 ​ $ 1,328 ​ $ 74 Commercial real estate ​ 317 ​ 317 ​ 2 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ — Multifamily ​ — ​ — ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ 1,076 ​ 1,165 ​ 111 SBA commercial business ​ ​ 438 ​ ​ 637 ​ ​ 187 Consumer ​ 189 ​ 189 ​ 189 ​ ​ $ 3,343 ​ $ 3,636 ​ $ 563 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ Residential real estate ​ $ 3,312 ​ $ 3,467 ​ $ 74 Commercial real estate ​ 868 ​ 944 ​ 2 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,415 ​ 9,397 ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ ​ 1,946 ​ ​ 2,137 ​ ​ 111 SBA commercial business ​ 1,122 ​ 2,436 ​ 187 Consumer ​ ​ 233 ​ ​ 247 ​ ​ 189 ​ ​ $ 15,214 ​ $ 18,990 ​ $ 563 ​ The table below presents the amortized cost basis of loans on nonaccrual and loans past due 90 or more days and still accruing interest. Also presented is the balance of loans on nonaccrual status at March 31, 2024 for which there was no related allowance for credit losses. ​ The Company recognized no interest income related to nonaccrual loans for the three - and six - month periods ended March 31, 2024. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At March 31, 2024 ​ At September 30, 2023 ​ ​ ​ ​ ​ Nonaccrual ​ Loans 90+ ​ ​ ​ Loans 90+ ​ ​ Total ​ Loans with No ​ Days ​ Total ​ Days ​ ​ Nonaccrual ​ Allowance for ​ Past Due ​ Nonaccrual ​ Past Due ​ ​ Loans Credit Loses Still Accruing Loans Still Accruing ​ ​ (In thousands) ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,960 ​ $ 1,803 ​ $ — ​ $ 2,426 ​ $ — Commercial real estate ​ 496 ​ 496 ​ ​ — ​ ​ 511 ​ ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 8,110 ​ 6,025 ​ ​ — ​ ​ 7,415 ​ ​ — Multifamily ​ ​ 290 ​ ​ 290 ​ ​ — ​ ​ 318 ​ ​ — Residential construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ ​ 1,649 ​ ​ 1,470 ​ ​ — ​ ​ 1,946 ​ ​ — SBA commercial business ​ 2,121 ​ 1,241 ​ ​ — ​ ​ 1,099 ​ ​ — Consumer ​ ​ 12 ​ ​ 12 ​ ​ — ​ ​ 233 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 15,638 ​ $ 11,337 ​ $ — ​ $ 13,948 ​ $ — ​ The following table presents the amortized cost basis of collateral dependent loans by collateral type, which are individually evaluated to determine expected credit losses. Other collateral represents business assets, except for the case of consumer loans, which are collateralized by consumer non-real estate assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2024 ​ ​ Real Estate ​ Other ​ Total ​ ​ (In thousands) Residential real estate $ 2,960 $ — $ 2,960 Commercial real estate ​ 496 ​ — ​ 496 SBA commercial real estate ​ 8,110 ​ — ​ 8,110 Multifamily ​ 290 ​ — ​ 290 Commercial business ​ — ​ 1,649 ​ 1,649 SBA commercial business ​ — ​ 2,121 ​ 2,121 Consumer ​ — ​ 12 ​ 12 ​ ​ $ 11,856 ​ $ 3,782 ​ $ 15,638 ​ The following table presents the aging of past due loans at March 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 2,764 ​ $ 1,398 ​ $ 2,304 ​ $ 6,466 ​ $ 602,716 ​ $ 609,182 Commercial real estate ​ 254 ​ — ​ ​ 496 ​ ​ 750 ​ ​ 182,772 ​ 183,522 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 751,357 ​ ​ 751,357 SBA commercial real estate ​ 359 ​ 49 ​ ​ 4,422 ​ ​ 4,830 ​ ​ 42,178 ​ 47,008 Multifamily ​ — ​ — ​ ​ — ​ ​ — ​ ​ 39,944 ​ 39,944 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 52,166 ​ ​ 52,166 Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ 20,978 ​ 20,978 Land and land development ​ 63 ​ — ​ ​ — ​ ​ 63 ​ ​ 15,510 ​ 15,573 Commercial business ​ ​ 14 ​ ​ — ​ ​ 37 ​ ​ 51 ​ ​ 124,102 ​ ​ 124,153 SBA commercial business ​ 213 ​ — ​ ​ 718 ​ ​ 931 ​ ​ 17,637 ​ 18,568 Consumer ​ ​ 190 ​ ​ 3 ​ ​ 12 ​ ​ 205 ​ ​ 38,262 ​ ​ 38,467 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,857 ​ $ 1,450 ​ $ 7,989 ​ $ 13,296 ​ $ 1,887,622 ​ $ 1,900,918 ​ The following table presents the aging of past due loans at September 30, 2023: ​ ar ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, public information, historical payment experience, credit documentation, and current economic conditions and trends, among other factors. The Company classifies loans based on credit risk at least quarterly. The Company uses the following regulatory definitions for risk ratings: Pass: Special Mention: Substandard: Doubtful: Loss: The following tables outline, as of March 31, 2024, the amount of each loan and lease classification and the amount categorized into each risk rating based on fiscal year of origination as well as current period gross charge-offs: ​ Loans Amortized Cost Basis by Origination Fiscal Year End September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 54,231 ​ $ 35,267 ​ $ 46,873 ​ $ 19,671 ​ $ 11,787 ​ $ 58,071 ​ $ 382,113 ​ $ — ​ $ 608,013 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ 111 ​ — ​ 278 ​ — ​ 455 ​ 306 ​ — ​ 1,150 Doubtful ​ — ​ — ​ — ​ — ​ — ​ 19 ​ — ​ — ​ 19 Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total residential real estate ​ 54,231 ​ 35,378 ​ 46,873 ​ 19,949 ​ 11,787 ​ 58,545 ​ 382,419 ​ — ​ 609,182 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 6,652 ​ 26,464 ​ 64,255 ​ 22,853 ​ 8,146 ​ 54,460 ​ — ​ — ​ $ 182,830 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ 496 ​ — ​ — ​ 23 ​ 173 ​ — ​ — ​ 692 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total commercial real estate ​ 6,652 ​ 26,960 ​ 64,255 ​ 22,853 ​ 8,169 ​ 54,633 ​ — ​ — ​ 183,522 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single tenant net lease commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 18,655 ​ 151,778 ​ 277,141 ​ 72,168 ​ 101,196 ​ 130,419 ​ — ​ — ​ 751,357 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total single tenant net lease ​ 18,655 ​ 151,778 ​ 277,141 ​ 72,168 ​ 101,196 ​ 130,419 ​ — ​ — ​ 751,357 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 2,944 ​ 8,319 ​ 5,418 ​ 5,786 ​ 7,381 ​ 6,757 ​ 37 ​ — ​ 36,642 Special mention ​ — ​ — ​ 229 ​ — ​ — ​ — ​ — ​ — ​ 229 Substandard ​ — ​ — ​ 162 ​ 143 ​ 1,776 ​ 6,371 ​ — ​ — ​ 8,452 Doubtful ​ — ​ — ​ — ​ — ​ — ​ 1,624 ​ — ​ — ​ 1,624 Loss ​ — ​ — ​ — ​ — ​ — ​ 61 ​ — ​ — ​ 61 Total SBA commercial real estate ​ 2,944 ​ 8,319 ​ 5,809 ​ 5,929 ​ 9,157 ​ 14,813 ​ 37 ​ — ​ 47,008 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ 2 ​ — ​ — ​ 2 ​ Loans Amortized Cost Basis by Origination Fiscal Year End September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Multifamily real estate Pass 5,000 2,610 7,534 5,524 11,956 7,030 — — 39,654 Special mention — — — — — — — — — Substandard — — — — — 290 — — 290 Doubtful — — — — — — — — — Loss — — — — — — — — — Total multifamily real estate 5,000 2,610 7,534 5,524 11,956 7,320 — — 39,944 YTD gross charge-offs — — — — — — — — — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential construction Pass 4,038 26,616 21,512 — — — — — 52,166 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total residential construction 4,038 26,616 21,512 — — — — — 52,166 YTD gross charge-offs — — — — — — — — — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial construction Pass — 16,789 4,189 — — — — — 20,978 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial construction — 16,789 4,189 — — — — — 20,978 YTD gross charge-offs — — — — — — — — — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Land and land development Pass 432 7,083 5,410 1,074 401 1,173 — — 15,573 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total land and land development 432 7,083 5,410 1,074 401 1,173 — — 15,573 YTD gross charge-offs — — — — — — — — — ​ Loans Amortized Cost Basis by Origination Fiscal Year End September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial business Pass 17,910 56,408 28,562 12,245 902 6,477 — — 122,504 Special mention — — — — — — — — — Substandard — 999 179 44 4 423 — — 1,649 Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial business 17,910 57,407 28,741 12,289 906 6,900 — — 124,153 YTD gross charge-offs — — — 26 — — — — 26 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA commercial business Pass 3,589 2,625 732 1,225 4,219 3,610 375 — 16,375 Special mention — — — — — — — — — Substandard — — — 60 53 2,050 — — 2,163 Doubtful — — — — — 9 — — 9 Loss — — — — — 21 — — 21 Total SBA commercial business 3,589 2,625 732 1,285 4,272 5,690 375 — 18,568 YTD gross charge-offs — — — — — 24 — — 24 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer Pass 2,652 4,746 3,764 554 306 176 26,257 — 38,455 Special mention — — — — — — — — — Substandard — 5 — — — — 7 — 12 Doubtful — — — — — — — — — Loss — — — — — — — — — Total consumer 2,652 4,751 3,764 554 306 176 26,264 — 38,467 YTD gross charge-offs — — — 1 — 208 — — 209 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total loans Pass 116,103 338,705 465,390 141,100 146,294 268,173 408,782 — 1,884,547 Special mention — — 229 — — — — — 229 Substandard — 1,611 341 525 1,856 9,762 313 — 14,408 Doubtful — — — — — 1,652 — — 1,652 Loss — — — — — 82 — — 82 Total loans 116,103 340,316 465,960 141,625 148,150 279,669 409,095 — 1,900,918 YTD gross charge-offs — — — 27 — 234 — — 261 ​ The following table presents 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 ​ Financial Difficulty Modifications Effective October 1, 2023, the Company prospectively adopted ASU 2022-02, which eliminated the accounting for TDRs while establishing a new standard for the treatment of modifications made to borrowers experiencing financial difficulties (Financial Difficulty Modifications, or “FDMs”). As such, effective with the adoption of the standard, the Company prospectively will not include FDMs in the calculation of nonperforming loans, nonperforming assets or classified assets. Prior period data, which included TDRs, has not been adjusted. An FDM may result when a borrower is in financial distress and may be in the form of principal forgiveness, an interest rate reduction, a term extension or a significant payment delay. In some cases, the Company may provide multiple types of modifications for a single loan. One type of modification, such as payment delay, may be granted initially. However, if the borrower continues to experience financial difficulty, another modification, such as term extension and/or interest rate reduction may be granted. Additionally, modifications with a term extension or interest rate reduction are intended to reduce the borrower’s monthly payment, while modifications with a payment delay, which typically allow borrowers to make monthly payments or interest only payments for a period of time, are structured to cure the payment defaults by making delinquent payments due at maturity. Payment deferrals up to six months have minimal financial impact since the deferred payments are paid at maturity. There were no new FDMs made or modifications of existing FDMs during the three-and six-months ended March 31, 2024. The following table summarizes the Company’s recorded investment in TDRs at March 31, 2023, prior to adoption of ASU 2022-02. There was $111,000 of specific reserve included in the allowance for loan losses related to TDRs at March 31, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Accruing ​ Nonaccrual ​ Total ​ ​ ​ (In thousands) March 31, 2023: ​ ​ ​ Residential real estate ​ $ 997 ​ $ — ​ $ 997 Commercial real estate ​ 373 ​ 542 ​ 915 SBA commercial real estate ​ — ​ 1,623 ​ 1,623 Multifamily ​ 335 ​ — ​ 335 Commercial business ​ 741 ​ — ​ 741 SBA commercial business ​ — ​ 248 ​ 248 Total ​ $ 2,446 ​ $ 2,413 ​ $ 4,859 ​ There were no TDRs that were restructured during the three-and six-month periods ended March 31, 2023. At March 31, 2023, the Company had committed to lend $1,000 to customers with outstanding loans classified as TDRs. There were principal charge - offs totaling $3,000 and $6,000 as a result of loans previously designated as TDRs during the three- and six-month periods ended March 31, 2023, respectively. In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses may be increased or charge-offs may be taken to reduce the carrying amount of the loan. During the three- and six-month periods ended March 31, 2023, the Company did not have any TDRs that were modified within the previous twelve months and for which there was a payment default. SBA Loan Servicing Rights The Company originates loans to commercial customers under the SBA 7(a) program and other programs, and typically sells the guaranteed portion of the SBA loans with servicing rights retained. Loan servicing rights on originated SBA loans that have been sold are initially recorded at fair value. Capitalized SBA servicing rights are then amortized in proportion to and over the period of estimated net servicing income. Impairment of SBA servicing rights is assessed using the present value of estimated future cash flows. The aggregate fair value of SBA loan servicing rights approximates its carrying value. A valuation model employed by an independent third party calculates the present value of future cash flows and is used to estimate fair value at the date of sale and on a quarterly basis for impairment analysis purposes. Management periodically compares the valuation model inputs and results to published industry data in order to validate the model results and assumptions. Key assumptions used to estimate the fair value of the SBA loan servicing rights include the discount rate and prepayment speed assumptions. For purposes of impairment, risk characteristics such as interest rate, loan type, term and investor type are used to stratify the SBA loan servicing rights. Impairment is recognized through a valuation allowance to the extent that fair value is less than the carrying amount. Changes in the valuation allowance are reported in other noninterest income in the consolidated statements of income. ​ The unpaid principal balance of SBA loans serviced for others was $217.6 million, $209.6 million and $238.4 million at March 31, 2024, September 30, 2023 and March 31, 2023, respectively. Contractually specified late fees and ancillary fees expensed on SBA loans were for the six-months ended March 31, 2024. Contractually specified late fees and ancillary fees expensed on SBA loans were for the three- and six-month periods ended March 31, 2023, respectively. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans was for the three- and six-month periods ended March 31, 2024, respectively. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans was million for the three- and six-month periods ended March 31, 2023, respectively. Net servicing income and costs related to SBA loans are included in other noninterest income in the consolidated statements of income. ​ An analysis of SBA loan servicing rights for the three-and six-month periods ended March 31, 2024 and 2023 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 ​ 2024 ​ 2023 ​ ​ (In thousands) Balance, beginning of period ​ $ 2,907 ​ $ 3,301 ​ $ 2,950 ​ $ 3,790 Servicing rights capitalized ​ 278 ​ 261 ​ ​ 535 ​ ​ 459 Amortization ​ (137) ​ (195) ​ ​ (280) ​ ​ (390) Direct write-offs ​ ​ (98) ​ ​ (170) ​ ​ (315) ​ ​ (311) Change in valuation allowance ​ — ​ 530 ​ ​ 60 ​ ​ 179 Balance, end of period ​ $ 2,950 ​ $ 3,727 ​ $ 2,950 ​ $ 3,727 ​ There was no valuation allowance related to SBA loan servicing rights at March 31, 2024. There was a valuation allowance of $60,000 related to SBA loan servicing rights at September 30, 2023. Mortgage Servicing Rights (“MSRs”) The Company originates residential mortgage loans for sale in the secondary market and retains servicing for certain of these loans when they are sold. MSRs retained for originated loans that have been sold are accounted for at fair value. The fair value of MSRs are determined using the present value of estimated expected net servicing income using assumptions about expected mortgage loan prepayment rates, discount rate, servicing costs, and other economic factors, which are determined based on current market conditions. Changes in these underlying assumptions could cause the fair value of MSRs to change significantly in the future. Changes in fair value of MSRs are recorded in mortgage banking income in the accompanying consolidated statements of income. MSRs are subject to changes in value from, among other things, changes in interest rates, prepayments of the underlying loans and changes in the credit quality of the underlying loans. At September 30, 2023, the Company had entered into a letter of intent to sell substantially all of the Company’s residential MSRs, which closed on November 30, 2023. Additionally, the Company sold the remaining residential MSRs during the quarter ended March 31, 2024. Due to the pending residential MSR sales, a valuation model was not used to calculate the fair value of residential MSRs September 30, 2023. The fair value was estimated using known information, including the anticipated sale prices, estimated expenses, and contingencies related to the pending residential MSR sales, which represent Level 3 fair value inputs. Prior to September 30, 2023, a valuation model employed by an independent third party calculated the present value of future cash flows and was used to value the MSRs on a monthly basis. Management periodically compared the valuation model inputs and results to published industry data in order to validate the model results and assumptions. ​ ​ ​ ​ ​ Range of Inputs ​ ​ (Weighted Average) Assumption September 30, 2023 Discount rate 9.44% - 14.50% (9.51%) Prepayment rate 5.00% - 85.82% (6.82%) ​ The unpaid principal balance of residential mortgage loans serviced for others was $4.77 billion at September 30, 2023. There was no unpaid principal balance of residential mortgage loans serviced for others at March 31, 2024 due to the sale of all of the Company’s residential MSRs during the six-month period ended March 31, 2024, which also resulted in the elimination of custodial escrow balances. Custodial escrow balances maintained in connection with the foregoing loan servicing and other liabilities were $47.9 million at September 30, 2023. There were no custod

Deposits

Deposits	6 Months Ended
	Mar. 31, 2024
Deposits
Deposits	4. Deposits Deposits at March 31, 2024 and September 30, 2023 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, September 30, ​ ​ 2024 ​ 2023 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 196,239 ​ $ 242,237 NOW accounts ​ 312,394 ​ 336,446 Money market accounts ​ 337,939 ​ 323,739 Savings accounts ​ 160,668 ​ 170,073 Retail time deposits ​ 232,031 ​ 170,980 Brokered & reciprocal time deposits ​ 548,175 ​ 438,319 Total ​ $ 1,787,446 ​ $ 1,681,794 ​

Supplemental Disclosure for Net

Supplemental Disclosure for Net Income Per Share	6 Months Ended
	Mar. 31, 2024
Supplemental Disclosure for Net Income Per Share
Supplemental Disclosure for Net Income Per Share	5. Supplemental Disclosure for Net Income Per Share Net income per share information is presented below for the three-and six-month periods ended March 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 2024 2023 ​ ​ (Dollars in thousands, except per share data) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 4,927 ​ $ 3,724 ​ $ 5,847 ​ $ 6,595 Shares: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,832,130 ​ 6,842,897 ​ 6,828,017 ​ 6,879,805 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.72 ​ $ 0.54 ​ $ 0.86 ​ $ 0.96 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ Earnings: ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 4,927 ​ $ 3,724 ​ $ 5,847 ​ $ 6,595 Shares: ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,832,130 ​ 6,842,897 ​ 6,828,017 ​ 6,879,805 Add: Dilutive effect of outstanding options ​ 27,481 ​ 38,599 ​ 21,911 ​ 46,472 Add: Dilutive effect of restricted stock ​ — ​ — ​ — ​ — Weighted average common shares outstanding, as adjusted ​ 6,859,611 ​ 6,881,496 ​ 6,849,928 ​ 6,926,277 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.72 ​ $ 0.54 ​ $ 0.85 ​ $ 0.95 ​ Nonvested restricted stock shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. Stock options for 341,572 shares of common stock were excluded from the calculation of diluted net income per common share for the three - and six - month periods ended March 31, 2024, because their effect was antidilutive. Stock options for 273,489 and 269,889 shares of common stock were excluded from the calculation of diluted net income per common share for the three-and six-month periods ended March 31, 2023, respectively, because their effect was antidilutive. There were no antidilutive restricted stock awards excluded from the calculation of diluted net income per share for the three-and six-month periods ended March 31, 2024 and 2023.

Fair Value Measurements and Dis

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments	6 Months Ended
	Mar. 31, 2024
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments	6. Fair Value Measurements and Disclosures about Fair Value of Financial Instruments FASB Accounting Standards Codification (“ASC”) Topic 820 , Fair Value Measurements, Level 1: Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets. A quoted market price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available. Level 2: Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are not active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means. Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level 3 assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation. A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. The tables below present the balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis as of March 31, 2024 and September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) March 31, 2024: ​ ​ ​ ​ Assets Measured – Recurring Basis: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ 26,970 ​ $ — ​ $ — ​ $ 26,970 Agency mortgage-backed ​ ​ — ​ ​ 24,514 ​ ​ — ​ ​ 24,514 Agency CMO ​ — ​ 12,727 ​ — ​ 12,727 Privately-issued CMO ​ — ​ 20 ​ 245 ​ 265 Privately-issued ABS ​ — ​ 299 ​ 79 ​ 378 SBA certificates ​ — ​ 10,793 ​ 30 ​ 10,823 Municipal bonds ​ — ​ 162,095 ​ — ​ 162,095 Other ​ ​ — ​ ​ — ​ ​ 1,200 ​ ​ 1,200 Total securities available for sale ​ $ 26,970 ​ $ 210,448 ​ $ 1,554 ​ $ 238,972 Residential mortgage loans held for sale ​ $ — ​ $ 2,979 ​ $ — ​ $ 2,979 Equity securities (included in other assets) ​ $ 204 ​ $ — ​ $ — ​ $ 204 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis: ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 793 ​ $ 793 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 1,480 ​ ​ 1,480 Commercial business ​ — ​ — ​ 137 ​ 137 SBA commercial business ​ ​ — ​ ​ — ​ ​ 432 ​ ​ 432 Total collateral dependent loans ​ $ — ​ $ — ​ $ 2,842 ​ $ 2,842 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) 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 Other ​ ​ — ​ ​ 1,712 ​ ​ — ​ ​ 1,712 Total securities available for sale ​ $ 25,949 ​ $ 201,330 ​ $ 460 ​ $ 227,739 Residential mortgage loans held for sale ​ $ — ​ $ 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 ​ Fair value is based upon quoted market prices where available. If quoted market prices are not available, fair value is based on internally developed models or obtained from third parties that primarily use, as inputs, observable market-based parameters or a matrix pricing model that employs the Bond Market Association’s standard calculations for cash flow and price/yield analysis and observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value, or at the lower of cost or fair value. These adjustments may include unobservable parameters. Any such valuation adjustments have been applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. There have been no changes in the valuation techniques and related inputs used for assets measured at fair value on a recurring and nonrecurring basis during the six-month period ended March 31, 2024. Debt Securities Available for Sale and Equity Securities. Residential Mortgage Loans Held for Sale Derivative Financial Instruments The fair value of interest rate lock commitments is also obtained from an independent third party and is based on investor prices for the underlying loans or current secondary market prices for loans with similar characteristics, less estimated costs to originate the loans and adjusted for the anticipated funding probability (pull-through rate). The fair value of interest rate lock commitments is classified as Level 3 in the fair value hierarchy. Due to the Company’s decision to wind down the national Mortgage Banking operation, and the resulting low level of mortgage loan originations and sales, there were no interest rate lock commitments or forward mortgage loan sale commitments as of March 31, 2024. The table below presents a reconciliation of derivative assets and liabilities (interest rate lock commitments) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three - and six - month periods ended March 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, (In thousands) ​ 2024 2023 2024 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ — ​ $ 362 ​ $ 268 ​ $ (238) Unrealized gains (losses) recognized in earnings, net of settlements ​ — ​ 986 ​ (268) ​ 1,586 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ — ​ $ 1,348 ​ $ — ​ $ 1,348 ​ The realized and unrealized gains recognized in earnings in the table above are included in mortgage banking income on the accompanying consolidated statements of income. There were no unrealized gains recognized in earnings for the six - month period ended March 31, 2024 attributable to Level 3 derivative assets and liabilities held at the balance sheet date.Unrealized gains recognized in earnings for the six - month period ended March 31, 2023 attributable to Level 3 derivative assets and liabilities held at the balance sheet date were $1.3 million. There were no interest rate lock commitments as of March 31, 2024. 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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ ​ Significant ​ (Weighted Average) ​ Unobservable September 30, Financial Instrument ​ Inputs ​ 2023 ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate 54% - 95% (81%) ​ ​ Direct costs to close 0.00% - 5.00% (0.62%) ​ Residential Mortgage Servicing Rights . 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 March 31, 2024 and September 30, 2023, the significant unobservable inputs used in the fair value measurement of collateral dependent loans were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ ​ ​ Significant ​ (Weighted Average) ​ Range of Inputs (Weighted ​ ​ Unobservable ​ March 31, ​ Average) September 30, Financial Instrument ​ Inputs ​ 2024 ​ 2023 Collateral dependent loans Discount from appraised value 10.0% - 50.0% (15.49%) 10.0% - 50.0% (14.22%) ​ Estimated costs to sell 6.0% - 6.0% (6.00%) 6.0% - 6.0% (6.00%) ​ During the three- and six-month periods ended March 31, 2024, the Company recognized provisions for credit losses on individually evaluated loans of $403,000 and $1.0 million, respectively. During the three- and six-month periods ended March 31, 2023, the Company recognized provisions for credit losses on impaired loans of $364,000 and $564,000, respectively. SBA and Nonresidential Loan Servicing Rights ​ ​ ​ ​ ​ ​ ​ Significant Range of Inputs (Weighted ​ ​ Unobservable ​ Average) September 30, Financial Instrument ​ Inputs 2023 SBA loan servicing rights Discount rate 10.25% - 25.00% (13.79%) ​ Prepayment speed 8.60% - 32.85% (16.91%) ​ Impairment of the SBA loan servicing rights is recognized on a quarterly basis through a valuation allowance to the extent that fair value is less than the carrying amount. The Company did not record any impairment charges on SBA loan servicing rights for the three-month period ended March 31, 2024. The Company reversed impairment charges of $60,000 on SBA loan servicing rights for the six-month period ended March 31, 2024. The Company reversed impairment charges of $530,000 and $179,000 on SBA loan servicing rights for the three – and six - month periods ended March 31, 2023, respectively. 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 March 31, 2024 and September 30, 2023, the Company did not have any nonresidential mortgage loan servicing rights measured at fair value on a nonrecurring basis. The Company did not recognize any impairment charges on nonresidential mortgage loan servicing rights for the three – and six - month periods ended March 31, 2024 and 2023. During the three-months ended March 31, 2024, the Company transferred one available for sale other investment security (subordinated debt in another financial institution) from Level 2 to Level 3 in the fair value hierarchy due to a change in valuation methodology. At March 31, 2024, the significant unobservable input used in the fair value measurement of available for sale investment securities was as follows: ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ ​ ​ Unobservable ​ Range of Inputs (Weighted Financial Instrument ​ Inputs ​ Average) March 31, 2024 Other investment security Estimated market rate 9.00% - 10.00% (9.50%) ​ ​ The table below presents a reconciliation of available for sale investment securities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three- and six-month periods ended March 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Six Months Ended ​ ​ March 31, 2024 ​ March 31, 2024 ​ (In thousands) Beginning balance ​ $ — ​ $ — Transfers from Level 2 to Level 3 ​ $ 1,200 ​ $ 1,200 Ending balance in Level 3 ​ $ 1,200 ​ $ 1,200 ​ Other than the available for sale investment security noted above, there were no transfers into or out of the Company’s Level 3 financial assets of the fair value hierarchy for the three – and six - month periods ended March 31, 2024. Financial Instruments Recorded Using Fair Value Option. The Company has elected the fair value option for substantially all of its residential mortgage loans held for sale. These loans are intended for sale and the Company believes that the fair value is the best indicator of the resolution of these loans. Interest income is recorded based on the contractual terms of the loans and in accordance with the Company’s policy on loans held for investment. None of these loans were 90 days or more past due, nor were any on nonaccrual status, as of March 31, 2024 and September 30, 2023. 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 March 31, 2024 and September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ March ,31 ​ March 31, ​ ​ ​ (In thousands) 2024 ​ 2023 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 2,979 ​ $ 2,919 ​ $ 60 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate ​ Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ September 30, ​ September 30, ​ ​ ​ (In thousands) 2023 2023 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 24,692 ​ $ 24,382 ​ $ 309 ​ The table below presents gains and losses and interest included in earnings related to financial assets measured at fair value under the fair value option for the three – and six - month periods ended March 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, (In thousands) ​ 2024 2023 2024 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ 993 ​ $ 282 ​ $ (36) ​ $ 950 Interest income ​ 73 ​ 389 ​ 366 ​ 817 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,066 ​ $ 671 ​ $ 330 ​ $ 1,767 ​ GAAP requires disclosure of fair value information about financial instruments for interim reporting periods, whether or not recognized in the consolidated balance sheet. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. The carrying amounts and estimated fair values of the Company’s financial instruments are as follows. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) March 31, 2024: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 16,114 ​ $ 16,114 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 46,855 ​ 46,855 ​ — ​ — Interest-bearing time deposits ​ 490 ​ — ​ 490 ​ — Securities available for sale ​ 238,972 ​ 26,970 ​ 210,448 ​ 1,554 Securities held to maturity ​ 1,170 ​ — ​ 35 ​ 1,146 Residential mortgage loans held for sale ​ 2,979 ​ ​ — ​ ​ 2,979 ​ — SBA loans held for sale ​ ​ 16,129 ​ ​ — ​ ​ — ​ ​ 17,703 Loans, net ​ 1,882,458 ​ — ​ — ​ 1,780,928 FRB and FHLB stock ​ 24,986 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 10,874 ​ — ​ 10,874 ​ — Nonresidential mortgage loan servicing rights ​ ​ 78 ​ ​ — ​ ​ — ​ ​ 78 SBA loan servicing rights ​ 2,950 ​ — ​ — ​ 2,950 Equity securities (included in other assets) ​ ​ 204 ​ ​ 204 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ 196,239 ​ 196,239 ​ — ​ — Interest-bearing deposits ​ ​ 1,591,207 ​ ​ — ​ ​ — ​ ​ 1,588,902 Borrowings from FHLB ​ 315,000 ​ — ​ 311,346 ​ — Subordinated notes ​ 48,523 ​ — ​ 47,510 ​ — Accrued interest payable ​ 11,281 ​ — ​ 11,281 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 867 ​ ​ — ​ ​ 867 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) 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 ​ 25,949 ​ 201,330 ​ 460 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 note ​ 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 ​

Employee Stock Ownership Plan

Employee Stock Ownership Plan	6 Months Ended
	Mar. 31, 2024
Employee Stock Ownership Plan
Employee Stock Ownership Plan	7. Employee Stock Ownership Plan On October 6, 2008, the Company established a leveraged employee stock ownership plan (“ESOP”) covering substantially all employees. The ESOP trust acquired 203,363 shares of Company common stock at a cost of $10.00 per share financed by a term loan with the Company. The ESOP loan was repaid in full during the quarter ended December 31, 2015 and all shares have been allocated to participants in the plan; therefore, no compensation expense was recognized for the three – and six - month periods ended March 31, 2024 and 2023. The ESOP trust held 274,568 and 293,695 shares of Company common stock at March 31, 2024 and September 30, 2023, respectively.

Stock Based Compensation Plans

Stock Based Compensation Plans	6 Months Ended
	Mar. 31, 2024
Stock Based Compensation Plans
Stock Based Compensation Plans	8. Stock Based Compensation Plans The Company maintains three equity incentive plans under which stock options and restricted stock have been or may be granted, the 2010 Equity Incentive Plan (“2010 Plan”), approved by the Company’s shareholders in February 2010, the 2016 Equity Incentive Plan (“2016 Plan”), approved by the Company’s shareholders in February 2016, and the 2021 Equity Incentive Plan (“2021 Plan”) approved by the Company’s shareholders in February 2021. At March 31, 2024, there were no remaining shares of the Company’s common stock available for issuance under the 2010 Plan. The aggregate number of shares of the Company’s common stock available for issuance under the 2016 Plan may not exceed 264,000 shares, consisting of 198,000 stock options and 66,000 shares of restricted stock. The aggregate number of shares of the Company’s common stock available for issuance under the 2021 Plan may not exceed 356,058 shares, consisting of 267,043 stock options and 89,015 shares of restricted stock. At March 31, 2024, 4,560 shares of the Company’s common stock were available for issuance under the 2016 Plan, of which 1,500 shares were available for restricted stock and 3,060 shares were available for stock options. At March 31, 2024, 10,600 shares of the Company’s common stock were available for issuance under the 2021 Plan, of which 4,590 shares were available for restricted stock and 6,010 shares were available for stock options. In November 2023, the Company granted 62,983 stock options and 19,475 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 and 2021 Plans from its authorized but unissued shares. The Company accounts for any forfeitures as they occur, and any previously recognized compensation cost for an award is reversed in the period the award is forfeited. Stock Options Under the plans, the Company may grant both non-statutory and incentive stock options that may not have a term exceeding ten years. In the case of incentive stock options, the aggregate fair value (determined at the time the incentive stock options are granted) which are first exercisable during any calendar year shall not exceed $100,000. Exercise prices may not be less than the fair market value of the underlying stock at the date of the grant. The terms of the plans also include provisions whereby all unearned options and restricted shares become immediately exercisable and fully vested upon a change in control. Stock options granted generally vest ratably over five years and are exercisable in whole or in part for a period up to ten years from the date of the grant. Compensation expense is measured based on the fair market value of the options at the grant date and is recognized ratably over the period during which the shares are earned (the vesting period). The fair market value of stock options granted is estimated at the date of grant using a binomial option pricing model. Expected volatilities are based on historical volatility of the Company’s stock. The expected term of options granted represents the period of time that options are expected to be outstanding. The risk free rate for the expected life of the options is based on the U.S. Treasury yield curve in effect at the grant date. The fair value of options granted during the six - month periods ended March 31, 2024 and 2023 were determined using the following assumptions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 ​ Expected dividend yield ​ 3.74 % ​ 2.93 % Risk-free interest rate ​ 4.44 % ​ 3.94 % Expected volatility ​ 28.4 % ​ 27.7 % Expected life of options ​ 6.9 years ​ ​ 6.8 years ​ Weighted average fair value at grant date ​ $ 3.55 ​ $ 5.71 ​ ​ A summary of stock option activity as of March 31, 2024, and changes during the six-month period then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Remaining ​ ​ ​ ​ ​ ​ ​ Weighted ​ Contractual ​ Aggregate ​ ​ Number of ​ Average ​ Term ​ Intrinsic ​ ​ Shares ​ Exercise Price ​ (Years) ​ Value ​ ​ (Dollars in thousands, except per share data) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Outstanding at beginning of period 408,669 ​ $ 20.79 ​ ​ ​ ​ ​ Granted 62,983 ​ ​ 15.10 ​ ​ ​ Exercised — ​ — ​ ​ ​ Forfeited or expired (5,100) ​ 17.66 ​ ​ ​ Outstanding at end of period 466,552 ​ $ 20.05 5.0 ​ $ 423 Exercisable at end of period 276,039 ​ $ 19.38 4.8 ​ $ 423 ​ There were no stock options exercised during the six - month periods ended March 31, 2024 and 2023. The Company recognized compensation expense related to stock options of $78,000 and $153,000 for the three- and six-month periods ended March 31, 2024, respectively. The Company recognized compensation expense related to stock options of $71,000 and $154,000 for the three – and six - month periods ended March 31, 2023, respectively. At March 31, 2024, there was $989,000 of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 3.50 years. There was no cash received or tax benefit from the exercise of stock options during the six - month periods ended March 31, 2024 and 2023. Restricted Stock The vesting period of restricted stock granted under the plans is generally five years beginning one year after the date of grant of the awards. Compensation expense is measured based on the fair market value of the restricted stock at the grant date and is recognized ratably over the vesting period. Compensation expense related to restricted stock recognized for the three – and six – month periods ended March 31, 2024 was $98,000 and $195,000, respectively. Compensation expense related to restricted stock recognized for the three - and six - month periods ended March 31, 2023 was $96,000 and $199,000, respectively. A summary of the Company’s nonvested restricted shares activity as of March 31, 2024 and changes during the six - month period then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ Number ​ Average ​ ​ of ​ Grant Date ​ ​ Shares ​ Fair Value Nonvested at October 1, 2023 54,916 ​ $ 24.73 Granted 19,475 ​ $ 15.10 Vested (16,158) ​ $ 24.23 Forfeited (800) ​ $ 22.49 Nonvested at March 31, 2024 57,433 ​ $ 21.64 ​ There were 16,158 restricted shares vested during the six - month period ended March 31, 2024 with a total fair value of $244,000. There were 16,408 restricted shares that vested during the six - month period ended March 31, 2023 with a total fair value of $369,000. At March 31, 2024, there was $1.1 million of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 3.36 years.

Derivative Financial Instrument

Derivative Financial Instruments	6 Months Ended
	Mar. 31, 2024
Derivative Financial Instruments
Derivative Financial Instruments	9. Derivative Financial Instruments The Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The Company also enters into forward mortgage loan commitments to sell loans to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts are considered derivatives and are recorded on the accompanying consolidated balance sheets at fair value in accordance with FASB ASC 815, Derivatives and Hedging Certain financial instruments, including derivatives, may be eligible for offset in the balance sheet when the “right of setoff” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements. However, the Company has not elected to offset such financial instruments in the consolidated balance sheets. The Company may be required to post margin collateral to derivative counterparties based on agreements with the dealers. At March 31, 2024 , the Company had no cash collateral posted with derivative counterparties against its derivative obligations. At September 30, 2023, the Company had cash collateral posted with certain derivative counterparties of $1.5 million, against its derivative obligations. Cash collateral related to derivative contracts is recorded in interest-bearing deposits with banks or other assets in the consolidated balance sheets. As of March 31, 2024, the Company had no derivative financial instruments due to the wind down of the national mortgage banking operation. The tables below provide information on the Company’s derivative financial instruments as of September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Notional Asset Liability ​ ​ Amount ​ Derivatives ​ Derivatives ​ ​ September 30, ​ September 30, ​ September 30, (In thousands) ​ 2023 ​ 2023 ​ 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 67,040 ​ $ 452 ​ $ 184 Forward mortgage loan sale contracts ​ 66,000 ​ 471 ​ 12 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 133,040 ​ $ 923 ​ $ 196 ​ Income (loss) related to derivative financial instruments included in mortgage banking income in the accompanying consolidated statements of income for the three – and six - month periods ended March 31, 2024 and 2023 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, (In thousands) 2024 2023 2024 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ — ​ $ 986 ​ $ (268) ​ $ 1,585 Forward mortgage loan sale contracts ​ — ​ (431) ​ 354 ​ (976) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ — ​ $ 555 ​ $ 86 ​ $ 609 ​

Regulatory Capital

Regulatory Capital	6 Months Ended
	Mar. 31, 2024
Regulatory Capital
Regulatory Capital	10. Regulatory Capital The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1 and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and Tier 1 capital (as defined) to average assets (as defined). The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (“Basel III rules”) became effective for the Bank on January 1, 2015, with full compliance with all of the requirements being phased in over a multi-year schedule through 2019. Under the Basel III rules, the Bank must hold a conservation buffer above the adequately capitalized risk-based capital ratios disclosed in the table below. The capital conservation buffer was 2.50% for 2024 and 2023. The Bank met all capital adequacy requirements to which it was subject as of March 31, 2024 and September 30, 2023. As of March 31, 2024, the most recent notification from the Federal Reserve Bank categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, common equity Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company’s and Bank’s actual capital amounts and ratios are also presented in the table. The Company is not subject to the Federal Reserve Bank’s consolidated capital requirements because it has less than $3 billion in total consolidated assets. However, management has elected to disclose the Company’s capital amounts and ratios in addition to the Bank’s required disclosures in the table below. No amount was deducted from capital for interest-rate risk at either date. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ For Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes: ​ Action Provisions: ​ Amount Ratio Amount Ratio Amount Ratio ​ ​ (Dollars in thousands) ​ As of March 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 240,099 12.46 % $ 154,168 8.00 % ​ N/A N/A ​ Bank ​ 235,099 12.20 ​ 154,133 8.00 ​ $ 192,666 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 173,087 8.98 % $ 115,626 6.00 % N/A N/A ​ Bank ​ 216,610 11.24 ​ 115,600 6.00 ​ $ 154,133 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 173,087 8.98 % $ 86,720 4.50 % N/A N/A ​ Bank ​ 216,610 11.24 ​ 86,700 4.50 ​ $ 125,233 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 173,087 7.36 % $ 94,107 4.00 % N/A N/A ​ Bank ​ 216,610 9.21 ​ 94,090 4.00 ​ $ 117,613 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 114,259 5.00 % ​

Recent Accounting Pronouncement

Recent Accounting Pronouncements	6 Months Ended
	Mar. 31, 2024
Recent Accounting Pronouncements
Recent Accounting Pronouncements	11. Recent Accounting Pronouncements The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company: On October 1, 2023, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The impact of adopting ASC 326 was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ As Reported under ​ Impact of ​ ​ ASC 326 ​ Pre-ASC 326 ​ ASC 326 Adoption Assets ​ ​ ​ ​ ​ ​ Allowance for credit losses (“ACL”) on loans ​ ​ ​ ​ ​ ​ Residential real estate 5,678 4,641 1,037 Commercial real estate 2,032 1,777 255 Single tenant net lease 4,032 3,810 222 SBA commercial real estate 2,433 1,922 511 Multifamily 247 268 (21) Residential construction 208 434 (226) Commercial construction 325 282 43 Land and land development 233 307 (74) Commercial business 1,219 1,714 (495) SBA commercial business 1,407 1,247 160 Consumer 515 498 17 Allowance for credit losses on loans 18,329 16,900 1,429 Net deferred tax assets 19,817 18,859 859 ​ ​ ​ ​ ​ ​ ​ Liabilities ​ ​ ​ ​ ​ ​ Allowance for credit losses on off balance sheet credit exposures 1,940 — 1,940 ​ In March 2022, the FASB issued ASU 2022-02 – Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures The amendments in this update are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years, for any entities that have adopted ASU 2016-13 – Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments In November 2023, the FASB issued ASU 2023-07, Segment Reporting: Improvements to Reportable Segment Disclosures, which requires public entities to disclose information about their reportable segments’ significant expenses on an interim and annual basis. Public entities are required to disclose significant expense categories and amounts for each reportable segment. Significant expense categories are derived from expenses that are regularly reported to an entity’s chief operating decision-maker (“CODM”), and included in a segment’s reported measures of profit or loss. Public entities are also required to disclose the title and position of the CODM and explain how the CODM uses the reported measures of profit or loss to assess segment performance. The ASU requires interim disclosures of certain segment-related disclosures that previously were only required annually. The ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted and the ASU should be applied prospectively. The adoption of the ASU is not expected to have a material impact on the Company’s consolidated financial position or results of operations. The Company has determined that all other recently issued accounting pronouncements will not have a material impact on the Company’s consolidated financial statements or do not apply to its operations.

Segment Reporting

Segment Reporting	6 Months Ended
	Mar. 31, 2024
Segment Reporting
Segment Reporting	12. Segment Reporting The Company’s operations include three primary segments: core banking, SBA lending, and mortgage banking. The core banking segment originates residential, commercial and consumer loans and attracts deposits from its customer base. Net interest income from loans and investments that are funded by deposits and borrowings is the primary revenue for the core banking segment. The SBA lending segment originates loans guaranteed by the SBA, subsequently selling the guaranteed portion to outside investors. Net gains on sales of loans, net servicing income and net interest income are the primary sources of revenue for the SBA lending segment. The mortgage banking segment originates residential mortgage loans and sells them in the secondary market. The Bank will continue to originate mortgage loans in its local markets that will either be sold in the secondary market or retained as portfolio loans, however the national mortgage banking division has been wound down as of December 31, 2023. Net gains on the sales of loans, net servicing income, income from derivative financial instruments and net interest income are the primary sources of revenue for the mortgage banking segment. The core banking segment is comprised primarily by the Bank and First Savings Investments, Inc., while the SBA lending segment’s revenues are comprised primarily of net interest income and gains on the sales of SBA loans generated by Q2. The mortgage banking segment is no longer reported separately as of and for the three - month period ended March 31, 2024 due to the winddown of the national mortgage banking operation that was completed in the three - month period ended December 31, 2023. ​ 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 ​ Consolidated ​ ​ Banking ​ Lending ​ Totals Three Months Ended March 31, 2024: ​ ​ ​ Net interest income ​ $ 13,469 ​ $ 869 ​ $ 14,338 Provision (credit) for credit losses – loans ​ 762 ​ (49) ​ 713 Credit for unfunded lending commitments ​ ​ (113) ​ ​ (146) ​ ​ (259) Provision for credit losses - securities ​ 23 ​ — ​ 23 Net interest income after provision ​ 12,797 ​ 1,064 ​ 13,861 Net gains on sales of loans, SBA ​ — ​ 951 ​ 951 Mortgage banking income ​ 53 ​ — ​ 53 Noninterest income ​ 2,537 ​ 1,173 ​ 3,710 Noninterest expense ​ 10,093 ​ 1,685 ​ 11,778 Income before taxes ​ 5,241 ​ 552 ​ 5,793 Income tax expense ​ 729 ​ 137 ​ 866 Segment profit ​ 4,512 ​ 415 ​ 4,927 Non-cash items: ​ ​ ​ Depreciation and amortization ​ 592 ​ 1 ​ 593 Segment assets at March 31, 2024 ​ 2,279,791 ​ 85,192 ​ 2,364,983 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Consolidated ​ ​ Banking ​ Lending ​ Totals Six Months Ended March 31, 2024: ​ ​ ​ Net interest income ​ $ 26,579 ​ $ 1,872 ​ $ 28,451 Provision for credit losses – loans ​ 781 ​ 402 ​ 1,183 Credit for unfunded lending commitments ​ ​ (180) ​ ​ (137) ​ ​ (317) Provision for credit losses – securities ​ 23 ​ — ​ 23 Net interest income after provision ​ 25,955 ​ 1,607 ​ 27,562 Net gains on sales of loans, SBA ​ — ​ 1,785 ​ 1,785 Mortgage banking income ​ 142 ​ — ​ 142 Noninterest income ​ 4,316 ​ 2,176 ​ 6,492 Noninterest expense ​ 23,986 ​ 3,831 ​ 27,817 Income (loss) before taxes ​ 6,285 ​ (48) ​ 6,237 Income tax expense ​ 384 ​ 6 ​ 390 Segment profit (loss) ​ 5,901 ​ (54) ​ 5,847 Non-cash items: ​ ​ ​ Depreciation and amortization ​ 1,198 ​ 3 ​ 1,201 Segment assets at March 31, 2024 ​ 2,279,791 ​ 85,192 ​ 2,364,983 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals Three Months Ended March 31, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 13,632 ​ $ 1,093 ​ $ 187 ​ $ 14,912 Provision (credit) for loan losses ​ ​ 422 ​ ​ (50) ​ ​ — ​ ​ 372 Net interest income after provision ​ ​ 13,210 ​ ​ 1,143 ​ ​ 187 ​ ​ 14,540 Net gains on sales of loans, SBA ​ — ​ 907 ​ — ​ 907 Mortgage banking income ​ 2 ​ — ​ 4,147 ​ 4,149 Noninterest income ​ 1,733 ​ 1,636 ​ 4,147 ​ 7,516 Noninterest expense ​ 10,651 ​ 2,662 ​ 4,686 ​ 17,999 Income (loss) before taxes ​ 4,292 ​ 117 ​ (352) ​ 4,057 Income tax expense (benefit) ​ 401 ​ 20 ​ (88) ​ 333 Segment profit (loss) ​ 3,891 ​ 97 ​ (264) ​ 3,724 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 541 ​ ​ 6 ​ ​ 25 ​ ​ 572 Segment assets at March 31, 2023 ​ 2,051,149 ​ 83,506 ​ 104,951 ​ 2,239,606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals Six Months Ended March 31, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 28,640 ​ $ 2,088 ​ $ 445 ​ $ 31,173 Provision for loan losses ​ 1,123 ​ 233 ​ — ​ 1,356 Net interest income after provision ​ 27,517 ​ 1,855 ​ 445 ​ 29,817 Net gains on sales of loans, SBA ​ — ​ 1,682 ​ — ​ 1,682 Mortgage banking income (loss) ​ (8) ​ — ​ 6,653 ​ 6,645 Noninterest income ​ 3,661 ​ 2,390 ​ 6,653 ​ 12,704 Noninterest expense ​ 20,448 ​ 4,586 ​ 10,476 ​ 35,510 Income (loss) before taxes ​ 10,730 ​ (341) ​ (3,378) ​ 7,011 Income tax expense (benefit) ​ ​ 1,347 ​ ​ (87) ​ ​ (844) ​ ​ 416 Segment profit (loss) ​ ​ 9,383 ​ ​ (254) ​ ​ (2,534) ​ ​ 6,595 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 1,199 ​ ​ 11 ​ ​ 52 ​ ​ 1,262 Segment assets at March 31, 2023 ​ 2,051,149 ​ 83,506 ​ 104,951 ​ 2,239,606 ​

Revenue from Contracts with Cus

Revenue from Contracts with Customers	6 Months Ended
	Mar. 31, 2024
Revenue from Contracts with Customers
Revenue from Contracts with Customers	13. Revenue from Contracts with Customers Substantially all of the Company’s revenue from contracts with customers within the scope of FASB ASC 606 is included in the core banking segment and is recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the three-and six-month periods ended March 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 2024 2023 ​ ​ (In thousands) In Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 387 ​ $ 471 ​ $ 860 ​ $ 1,029 ATM and interchange fees ​ 585 ​ 586 ​ 1,034 ​ 1,325 Commission income ​ ​ 220 ​ ​ 189 ​ ​ 442 ​ ​ 317 Other ​ 31 ​ 35 ​ 56 ​ 60 Revenue from contracts with customers ​ 1,223 ​ 1,281 ​ 2,392 ​ 2,731 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Out of Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net unrealized gain (loss) on equity securities ​ ​ 6 ​ ​ 21 ​ ​ 44 ​ ​ 35 Gain on sale of SBA loans ​ 951 ​ 907 ​ 1,785 ​ 1,682 Mortgage banking income ​ 53 ​ 4,149 ​ 142 ​ 6,645 Increase in cash value of life insurance ​ 333 ​ 266 ​ 662 ​ 491 Real estate lease income ​ 115 ​ 117 ​ 230 ​ 234 Loan servicing and other income ​ ​ 1,029 ​ ​ 775 ​ ​ 1,237 ​ ​ 886 Other noninterest income ​ 2,487 ​ 6,235 ​ 4,100 ​ 9,973 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 3,710 ​ $ 7,516 ​ $ 6,492 ​ $ 12,704 ​ A description of the Company’s revenue streams accounted for under ASC 606 follows: Service Charges on Deposit Accounts ATM and Interchange Fees Commission Income Other Income

Mortgage Banking Income

Mortgage Banking Income	6 Months Ended
	Mar. 31, 2024
Mortgage Banking Income
Mortgage Banking Income	14. Mortgage Banking Income The components of mortgage banking income for the three-and six-month periods ended March 31, 2024 and 2023 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 ​ 2024 2023 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ (991) ​ $ 1,885 ​ $ (1,202) ​ $ 2,617 Mortgage brokerage income ​ 1 ​ 167 ​ 31 ​ 210 Net change in fair value of loans held for sale and interest rate lock commitments ​ 993 ​ 1,268 ​ (304) ​ 2,535 Realized and unrealized gains (losses) from Forward sales commitments ​ — ​ (431) ​ 354 ​ (976) Capitalized residential mortgage loan servicing rights ​ — ​ 296 ​ 509 ​ 438 Net change in fair value of residential mortgage loan servicing rights ​ (6) ​ (1,267) ​ (809) ​ (2,507) Provisions for loan repurchases and indemnifications ​ (37) ​ ​ (161) ​ 19 ​ (489) Net loan servicing income ​ 93 ​ ​ 2,392 ​ 1,544 ​ 4,817 Total mortgage banking income ​ $ 53 ​ $ 4,149 ​ $ 142 ​ $ 6,645 (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Mar. 31, 2024
Investment Securities
Schedule of amortized cost of securities available for sale and held to maturity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ Allowance ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ for Credit ​ Fair ​ Cost Gain Losses ​ ​ Losses Value ​ ​ (In thousands) March 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,665 ​ $ — ​ $ 3,695 ​ $ — ​ $ 26,970 Agency mortgage-backed ​ ​ 27,726 ​ ​ — ​ ​ 3,212 ​ ​ — ​ ​ 24,514 Agency CMO ​ 13,807 ​ — ​ 1,080 ​ ​ — ​ 12,727 Privately-issued CMO ​ 287 ​ 2 ​ 1 ​ ​ 23 ​ 265 Privately-issued ABS ​ 367 ​ 13 ​ 2 ​ ​ — ​ 378 SBA certificates ​ 11,251 ​ — ​ 428 ​ ​ — ​ 10,823 Municipal bonds ​ 174,612 ​ 415 ​ 12,932 ​ ​ — ​ 162,095 Other ​ ​ 2,000 ​ ​ — ​ ​ 800 ​ ​ — ​ ​ 1,200 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale ​ $ 260,715 ​ $ 430 ​ $ 22,150 ​ $ 23 ​ $ 238,972 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 32 ​ $ — ​ $ — ​ $ — ​ $ 32 Municipal bonds ​ 1,138 ​ 11 ​ — ​ ​ — ​ 1,149 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,170 ​ $ 11 ​ $ — ​ $ — ​ $ 1,181 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gain Losses ​ Value ​ ​ (In thousands) 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 Other ​ ​ 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 ​
Schedule of amortized cost and fair value of investment securities by contractual maturity	The amortized cost and fair value of investment securities as of March 31, 2024 by contractual maturity are shown below. CMO, ABS, SBA certificates, and mortgage-backed securities which do not have a single maturity date are shown separately. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair ​ Cost Value Cost Value ​ ​ (In thousands) Due within one year ​ $ 4,401 ​ $ 4,367 ​ $ 254 ​ $ 256 Due after one year through five years ​ 8,262 ​ 8,140 ​ 606 ​ 612 Due after five years through ten years ​ 44,344 ​ 39,390 ​ 278 ​ 281 Due after ten years ​ 150,270 ​ 138,368 ​ — ​ — CMO ​ 14,094 ​ 12,992 ​ — ​ — ABS ​ 367 ​ 378 ​ — ​ — SBA certificates ​ 11,251 ​ 10,823 ​ — ​ — Mortgage-backed securities ​ 27,726 ​ 24,514 ​ 32 ​ 32 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 260,715 ​ $ 238,972 ​ $ 1,170 ​ $ 1,181
Schedule of investment securities with gross unrealized losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized ​ Positions Value Losses ​ ​ (Dollars in thousands) March 31, 2024: ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 5 ​ $ 1,611 ​ $ 26 Agency mortgage-backed ​ 1 ​ ​ 55 ​ ​ 2 Municipal bonds ​ 16 ​ ​ 17,881 ​ ​ 115 Other 1 ​ ​ 1,200 ​ ​ 800 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 23 ​ 20,747 ​ 943 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ U.S. Treasury notes ​ 1 ​ ​ 25,359 ​ ​ 3,669 Agency mortgage-backed ​ 14 ​ ​ 24,105 ​ ​ 3,210 Agency CMO ​ 15 ​ ​ 12,728 ​ ​ 1,080 Privately-issued CMO ​ 1 ​ ​ 244 ​ ​ 1 Privately-issued ABS 1 ​ 165 ​ 2 SBA certificates 3 ​ 10,822 ​ 428 Municipal bonds 118 ​ 107,395 ​ 12,817 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 153 ​ 180,818 ​ 21,207 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 176 ​ $ 201,565 ​ $ 22,150 ​ At March 31, 2024, the Company did not have any securities held to maturity with an unrealized loss. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized ​ ​ Positions ​ Value ​ Losses ​ ​ (Dollars in thousands) 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 ​
Schedule of available for sale debt securities allowance for credit loss	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses ​ ​ Private Label CMO ​ ​ Three-Months ​ Six-Months ​ ​ Ended ​ Ended ​ ​ March 31, 2024 ​ March 31, 2024 Allowance for credit losses ​ ​ ​ ​ ​ ​ Beginning of year, October 1, 2023 ​ $ — ​ $ — Provision for credit loss expense ​ 24 ​ 24 Reductions due to increases in expected cash flows ​ (1) ​ (1) Recoveries ​ — ​ — Balance at end of period ​ $ 23 ​ $ 23 ​

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	6 Months Ended
	Mar. 31, 2024
Loans and Allowance for Loan Losses
Schedule of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, September 30, ​ ​ 2024 ​ 2023 ​ ​ (In thousands) Real estate mortgage: ​ ​ Residential ​ $ 609,182 ​ $ 528,410 Commercial ​ 183,522 ​ 187,232 Single tenant net lease ​ ​ 751,357 ​ ​ 757,388 SBA commercial (1) ​ ​ 47,008 ​ ​ 47,078 Multifamily ​ 39,944 ​ 34,892 Residential construction ​ 52,166 ​ 24,924 Commercial construction ​ 20,978 ​ 14,588 Land and land development ​ 15,573 ​ 17,234 Commercial business ​ 124,153 ​ 117,594 SBA commercial business (1) ​ ​ 18,568 ​ ​ 16,939 Consumer ​ ​ 38,467 ​ ​ 39,915 Total loans ​ 1,900,918 ​ 1,786,194 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net ​ 932 ​ 949 Allowance for credit losses ​ (19,392) ​ (16,900) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,882,458 ​ $ 1,770,243 (1) Includes discounts on SBA loans of $3.4 million and $3.3 million for March 31, 2024 and September 30, 2023, respectively.
Schedule of components of loans	The following table provides the components of loans as of September 30, 2023, prior to the adoption of ASU 2016-13 ( in thousands ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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
Schedule of allowance for loan losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Evaluated for Evaluated for Ending ​ ​ Impairment ​ Impairment ​ Balance ​ ​ (In thousands) September 30, 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 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Balance Provisions (Credits) Charge-Offs Recoveries Ending Balance ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2024: ​ (In thousands) Residential real estate ​ $ 5,688 ​ $ 686 ​ $ — ​ $ 7 ​ $ 6,381 Commercial real estate ​ 1,797 ​ (152) ​ — ​ — ​ 1,645 Single tenant net lease ​ 4,080 ​ (316) ​ — ​ — ​ 3,764 SBA commercial real estate ​ 2,871 ​ — ​ — ​ 1 ​ 2,872 Multifamily ​ 321 ​ 89 ​ — ​ — ​ 410 Residential construction ​ 304 ​ 47 ​ — ​ — ​ 351 Commercial construction ​ 384 ​ 47 ​ — ​ — ​ 431 Land and land development ​ 197 ​ (23) ​ — ​ — ​ 174 Commercial business ​ 1,222 ​ 288 ​ (26) ​ — ​ 1,484 SBA commercial business ​ 1,499 ​ (49) ​ (21) ​ 5 ​ 1,434 Consumer ​ 426 ​ 96 ​ (101) ​ 25 ​ 446 ​ ​ $ 18,789 ​ $ 713 ​ $ (148) ​ $ 38 ​ $ 19,392 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2023: ​ ​ ​ ​ ​ Residential real estate ​ $ 3,100 ​ $ 424 ​ $ — ​ $ 13 ​ $ 3,537 Commercial real estate ​ 1,751 ​ 32 ​ — ​ — ​ 1,783 Single tenant net lease ​ 3,804 ​ (78) ​ — ​ — ​ 3,726 SBA commercial real estate ​ 2,398 ​ 212 ​ (3) ​ — ​ 2,607 Multifamily ​ 252 ​ 74 ​ — ​ — ​ 326 Residential construction ​ 367 ​ (121) ​ — ​ — ​ 246 Commercial construction ​ 83 ​ — ​ — ​ — ​ 83 Land and land development ​ 200 ​ (2) ​ — ​ — ​ 198 Commercial business ​ 1,255 ​ 37 ​ — ​ 30 ​ 1,322 SBA commercial business ​ 2,338 ​ (262) ​ — ​ 12 ​ 2,088 Consumer ​ 532 ​ 56 ​ (56) ​ 10 ​ 542 ​ ​ $ 16,080 ​ $ 372 ​ $ (59) ​ $ 65 ​ $ 16,458 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Balance Adoption of ASC 326 Provisions (Credits) Charge-Offs Recoveries Ending Balance ​ ​ (In thousands) March 31, 2024: ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 4,641 ​ $ 1,037 ​ $ 695 ​ $ — ​ $ 8 ​ $ 6,381 Commercial real estate ​ 1,777 ​ 255 ​ (387) ​ — ​ — ​ 1,645 Single tenant net lease ​ 3,810 ​ 222 ​ (268) ​ — ​ — ​ 3,764 SBA commercial real estate ​ 1,922 ​ 511 ​ 379 ​ (2) ​ 62 ​ 2,872 Multifamily ​ 268 ​ (21) ​ 163 ​ — ​ — ​ 410 Residential construction ​ 434 ​ (226) ​ 143 ​ — ​ — ​ 351 Commercial construction ​ 282 ​ 43 ​ 106 ​ — ​ — ​ 431 Land and land development ​ 307 ​ (74) ​ (59) ​ — ​ — ​ 174 Commercial business ​ 1,714 ​ (495) ​ 291 ​ (26) ​ — ​ 1,484 SBA commercial business ​ 1,247 ​ 160 ​ 23 ​ (24) ​ 28 ​ 1,434 Consumer ​ 498 ​ 17 ​ 97 ​ (209) ​ 43 ​ 446 ​ ​ $ 16,900 ​ $ 1,429 ​ $ 1,183 ​ $ (261) ​ $ 141 ​ $ 19,392 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ — ​ $ 806 ​ $ — ​ $ 15 ​ $ 3,537 Commercial real estate ​ 1,590 ​ — ​ 193 ​ — ​ — ​ 1,783 Single tenant net lease ​ 3,838 ​ — ​ (112) ​ — ​ — ​ 3,726 SBA commercial real estate ​ 2,578 ​ — ​ 106 ​ (77) ​ — ​ 2,607 Multifamily ​ 251 ​ — ​ 75 ​ — ​ — ​ 326 Residential construction ​ 305 ​ — ​ (59) ​ — ​ — ​ 246 Commercial construction ​ 107 ​ — ​ (24) ​ — ​ — ​ 83 Land and land development ​ 212 ​ — ​ (14) ​ — ​ — ​ 198 Commercial business ​ 1,193 ​ — ​ 69 ​ — ​ 60 ​ 1,322 SBA commercial business ​ 2,122 ​ — ​ 128 ​ (190) ​ 28 ​ 2,088 Consumer ​ 448 ​ — ​ 188 ​ (121) ​ 27 ​ 542 ​ ​ $ 15,360 ​ $ — ​ $ 1,356 ​ $ (388) ​ $ 130 ​ $ 16,458
Schedule of the average balance of impaired loans individually evaluated for impairment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended March 31, ​ Six Months Ended March 31, ​ ​ 2023 2023 ​ Average Interest Average ​ Interest ​ ​ Recorded ​ Income Recorded ​ Income ​ ​ Balance Recognized Balance Recognized Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,591 ​ $ 30 ​ $ 3,236 ​ $ 30 Commercial real estate ​ 969 ​ 13 ​ ​ 973 ​ ​ 13 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,822 ​ ​ — ​ ​ 7,199 ​ ​ — Multifamily ​ 384 ​ 10 ​ ​ 389 ​ ​ 10 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — Commercial business ​ 895 ​ 24 ​ ​ 993 ​ ​ 24 SBA commercial business ​ 954 ​ — ​ ​ 813 ​ ​ — Consumer ​ 72 ​ — ​ ​ 75 ​ ​ — ​ ​ $ 14,687 ​ $ 77 ​ $ 13,678 ​ $ 77 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ — Commercial real estate ​ — ​ — ​ ​ — ​ ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 1,022 ​ ​ — ​ ​ 1,596 ​ ​ — Multifamily ​ — ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — Commercial business ​ 135 ​ — ​ ​ 90 ​ ​ — SBA commercial business ​ 1,229 ​ — ​ ​ 1,259 ​ ​ — Consumer ​ 223 ​ — ​ ​ 197 ​ ​ — ​ ​ $ 2,609 ​ $ — ​ $ 3,142 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,591 ​ $ 30 ​ $ 3,236 ​ $ 30 Commercial real estate ​ 969 ​ 13 ​ ​ 973 ​ ​ 13 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 8,844 ​ ​ — ​ ​ 8,795 ​ ​ — Multifamily ​ 384 ​ 10 ​ ​ 389 ​ ​ 10 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — Commercial business ​ 1,030 ​ 24 ​ ​ 1,083 ​ ​ 24 SBA commercial business ​ 2,183 ​ — ​ ​ 2,072 ​ ​ — Consumer ​ 295 ​ — ​ ​ 272 ​ ​ — ​ ​ $ 17,296 ​ $ 77 ​ $ 16,820 ​ $ 77 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Related ​ ​ Balance ​ Balance ​ Allowance ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,989 ​ $ 2,139 ​ $ — Commercial real estate ​ 551 ​ 627 ​ — Single tenant net lease ​ — ​ — ​ — SBA commercial real estate ​ 7,415 ​ 9,397 ​ — Multifamily ​ 318 ​ 362 ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — Land and land development ​ ​ — ​ ​ — ​ ​ — Commercial business ​ ​ 870 ​ ​ 972 ​ ​ — SBA commercial business ​ 684 ​ 1,799 ​ — Consumer ​ ​ 44 ​ ​ 58 ​ ​ — ​ ​ $ 11,871 ​ $ 15,354 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ Residential real estate ​ $ 1,323 ​ $ 1,328 ​ $ 74 Commercial real estate ​ 317 ​ 317 ​ 2 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ — Multifamily ​ — ​ — ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ 1,076 ​ 1,165 ​ 111 SBA commercial business ​ ​ 438 ​ ​ 637 ​ ​ 187 Consumer ​ 189 ​ 189 ​ 189 ​ ​ $ 3,343 ​ $ 3,636 ​ $ 563 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ Residential real estate ​ $ 3,312 ​ $ 3,467 ​ $ 74 Commercial real estate ​ 868 ​ 944 ​ 2 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 7,415 ​ 9,397 ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — Residential construction ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — Land and land development ​ — ​ — ​ — Commercial business ​ ​ 1,946 ​ ​ 2,137 ​ ​ 111 SBA commercial business ​ 1,122 ​ 2,436 ​ 187 Consumer ​ ​ 233 ​ ​ 247 ​ ​ 189 ​ ​ $ 15,214 ​ $ 18,990 ​ $ 563
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At March 31, 2024 ​ At September 30, 2023 ​ ​ ​ ​ ​ Nonaccrual ​ Loans 90+ ​ ​ ​ Loans 90+ ​ ​ Total ​ Loans with No ​ Days ​ Total ​ Days ​ ​ Nonaccrual ​ Allowance for ​ Past Due ​ Nonaccrual ​ Past Due ​ ​ Loans Credit Loses Still Accruing Loans Still Accruing ​ ​ (In thousands) ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,960 ​ $ 1,803 ​ $ — ​ $ 2,426 ​ $ — Commercial real estate ​ 496 ​ 496 ​ ​ — ​ ​ 511 ​ ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ 8,110 ​ 6,025 ​ ​ — ​ ​ 7,415 ​ ​ — Multifamily ​ ​ 290 ​ ​ 290 ​ ​ — ​ ​ 318 ​ ​ — Residential construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ ​ — ​ ​ — ​ ​ — Commercial business ​ ​ 1,649 ​ ​ 1,470 ​ ​ — ​ ​ 1,946 ​ ​ — SBA commercial business ​ 2,121 ​ 1,241 ​ ​ — ​ ​ 1,099 ​ ​ — Consumer ​ ​ 12 ​ ​ 12 ​ ​ — ​ ​ 233 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 15,638 ​ $ 11,337 ​ $ — ​ $ 13,948 ​ $ —
Schedule of amortized cost basis of collateral dependent loans by collateral types	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2024 ​ ​ Real Estate ​ Other ​ Total ​ ​ (In thousands) Residential real estate $ 2,960 $ — $ 2,960 Commercial real estate ​ 496 ​ — ​ 496 SBA commercial real estate ​ 8,110 ​ — ​ 8,110 Multifamily ​ 290 ​ — ​ 290 Commercial business ​ — ​ 1,649 ​ 1,649 SBA commercial business ​ — ​ 2,121 ​ 2,121 Consumer ​ — ​ 12 ​ 12 ​ ​ $ 11,856 ​ $ 3,782 ​ $ 15,638
Schedule of aging of recorded investment in past due loans	The following table presents the aging of past due loans at March 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 2,764 ​ $ 1,398 ​ $ 2,304 ​ $ 6,466 ​ $ 602,716 ​ $ 609,182 Commercial real estate ​ 254 ​ — ​ ​ 496 ​ ​ 750 ​ ​ 182,772 ​ 183,522 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 751,357 ​ ​ 751,357 SBA commercial real estate ​ 359 ​ 49 ​ ​ 4,422 ​ ​ 4,830 ​ ​ 42,178 ​ 47,008 Multifamily ​ — ​ — ​ ​ — ​ ​ — ​ ​ 39,944 ​ 39,944 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 52,166 ​ ​ 52,166 Commercial construction ​ — ​ — ​ ​ — ​ ​ — ​ ​ 20,978 ​ 20,978 Land and land development ​ 63 ​ — ​ ​ — ​ ​ 63 ​ ​ 15,510 ​ 15,573 Commercial business ​ ​ 14 ​ ​ — ​ ​ 37 ​ ​ 51 ​ ​ 124,102 ​ ​ 124,153 SBA commercial business ​ 213 ​ — ​ ​ 718 ​ ​ 931 ​ ​ 17,637 ​ 18,568 Consumer ​ ​ 190 ​ ​ 3 ​ ​ 12 ​ ​ 205 ​ ​ 38,262 ​ ​ 38,467 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,857 ​ $ 1,450 ​ $ 7,989 ​ $ 13,296 ​ $ 1,887,622 ​ $ 1,900,918 ​ The following table presents the aging of past due loans at September 30, 2023: ​ ar ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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
Schedule of investment in loans by risk category	Loans Amortized Cost Basis by Origination Fiscal Year End September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 54,231 ​ $ 35,267 ​ $ 46,873 ​ $ 19,671 ​ $ 11,787 ​ $ 58,071 ​ $ 382,113 ​ $ — ​ $ 608,013 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ 111 ​ — ​ 278 ​ — ​ 455 ​ 306 ​ — ​ 1,150 Doubtful ​ — ​ — ​ — ​ — ​ — ​ 19 ​ — ​ — ​ 19 Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total residential real estate ​ 54,231 ​ 35,378 ​ 46,873 ​ 19,949 ​ 11,787 ​ 58,545 ​ 382,419 ​ — ​ 609,182 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 6,652 ​ 26,464 ​ 64,255 ​ 22,853 ​ 8,146 ​ 54,460 ​ — ​ — ​ $ 182,830 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ 496 ​ — ​ — ​ 23 ​ 173 ​ — ​ — ​ 692 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total commercial real estate ​ 6,652 ​ 26,960 ​ 64,255 ​ 22,853 ​ 8,169 ​ 54,633 ​ — ​ — ​ 183,522 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single tenant net lease commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 18,655 ​ 151,778 ​ 277,141 ​ 72,168 ​ 101,196 ​ 130,419 ​ — ​ — ​ 751,357 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total single tenant net lease ​ 18,655 ​ 151,778 ​ 277,141 ​ 72,168 ​ 101,196 ​ 130,419 ​ — ​ — ​ 751,357 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 2,944 ​ 8,319 ​ 5,418 ​ 5,786 ​ 7,381 ​ 6,757 ​ 37 ​ — ​ 36,642 Special mention ​ — ​ — ​ 229 ​ — ​ — ​ — ​ — ​ — ​ 229 Substandard ​ — ​ — ​ 162 ​ 143 ​ 1,776 ​ 6,371 ​ — ​ — ​ 8,452 Doubtful ​ — ​ — ​ — ​ — ​ — ​ 1,624 ​ — ​ — ​ 1,624 Loss ​ — ​ — ​ — ​ — ​ — ​ 61 ​ — ​ — ​ 61 Total SBA commercial real estate ​ 2,944 ​ 8,319 ​ 5,809 ​ 5,929 ​ 9,157 ​ 14,813 ​ 37 ​ — ​ 47,008 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ 2 ​ — ​ — ​ 2 Loans Amortized Cost Basis by Origination Fiscal Year End September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Multifamily real estate Pass 5,000 2,610 7,534 5,524 11,956 7,030 — — 39,654 Special mention — — — — — — — — — Substandard — — — — — 290 — — 290 Doubtful — — — — — — — — — Loss — — — — — — — — — Total multifamily real estate 5,000 2,610 7,534 5,524 11,956 7,320 — — 39,944 YTD gross charge-offs — — — — — — — — — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential construction Pass 4,038 26,616 21,512 — — — — — 52,166 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total residential construction 4,038 26,616 21,512 — — — — — 52,166 YTD gross charge-offs — — — — — — — — — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial construction Pass — 16,789 4,189 — — — — — 20,978 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial construction — 16,789 4,189 — — — — — 20,978 YTD gross charge-offs — — — — — — — — — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Land and land development Pass 432 7,083 5,410 1,074 401 1,173 — — 15,573 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total land and land development 432 7,083 5,410 1,074 401 1,173 — — 15,573 YTD gross charge-offs — — — — — — — — — Loans Amortized Cost Basis by Origination Fiscal Year End September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial business Pass 17,910 56,408 28,562 12,245 902 6,477 — — 122,504 Special mention — — — — — — — — — Substandard — 999 179 44 4 423 — — 1,649 Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial business 17,910 57,407 28,741 12,289 906 6,900 — — 124,153 YTD gross charge-offs — — — 26 — — — — 26 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA commercial business Pass 3,589 2,625 732 1,225 4,219 3,610 375 — 16,375 Special mention — — — — — — — — — Substandard — — — 60 53 2,050 — — 2,163 Doubtful — — — — — 9 — — 9 Loss — — — — — 21 — — 21 Total SBA commercial business 3,589 2,625 732 1,285 4,272 5,690 375 — 18,568 YTD gross charge-offs — — — — — 24 — — 24 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer Pass 2,652 4,746 3,764 554 306 176 26,257 — 38,455 Special mention — — — — — — — — — Substandard — 5 — — — — 7 — 12 Doubtful — — — — — — — — — Loss — — — — — — — — — Total consumer 2,652 4,751 3,764 554 306 176 26,264 — 38,467 YTD gross charge-offs — — — 1 — 208 — — 209 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total loans Pass 116,103 338,705 465,390 141,100 146,294 268,173 408,782 — 1,884,547 Special mention — — 229 — — — — — 229 Substandard — 1,611 341 525 1,856 9,762 313 — 14,408 Doubtful — — — — — 1,652 — — 1,652 Loss — — — — — 82 — — 82 Total loans 116,103 340,316 465,960 141,625 148,150 279,669 409,095 — 1,900,918 YTD gross charge-offs — — — 27 — 234 — — 261 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Accruing ​ Nonaccrual ​ Total ​ ​ ​ (In thousands) March 31, 2023: ​ ​ ​ Residential real estate ​ $ 997 ​ $ — ​ $ 997 Commercial real estate ​ 373 ​ 542 ​ 915 SBA commercial real estate ​ — ​ 1,623 ​ 1,623 Multifamily ​ 335 ​ — ​ 335 Commercial business ​ 741 ​ — ​ 741 SBA commercial business ​ — ​ 248 ​ 248 Total ​ $ 2,446 ​ $ 2,413 ​ $ 4,859
SBA loan servicing rights
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 ​ 2024 ​ 2023 ​ ​ (In thousands) Balance, beginning of period ​ $ 2,907 ​ $ 3,301 ​ $ 2,950 ​ $ 3,790 Servicing rights capitalized ​ 278 ​ 261 ​ ​ 535 ​ ​ 459 Amortization ​ (137) ​ (195) ​ ​ (280) ​ ​ (390) Direct write-offs ​ ​ (98) ​ ​ (170) ​ ​ (315) ​ ​ (311) Change in valuation allowance ​ — ​ 530 ​ ​ 60 ​ ​ 179 Balance, end of period ​ $ 2,950 ​ $ 3,727 ​ $ 2,950 ​ $ 3,727
Mortgage servicing rights
Loans and Allowance for Loan Losses
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ Range of Inputs ​ ​ (Weighted Average) Assumption September 30, 2023 Discount rate 9.44% - 14.50% (9.51%) Prepayment rate 5.00% - 85.82% (6.82%)
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 ​ 2024 ​ 2023 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value, beginning of period ​ $ 709 ​ $ 62,165 ​ $ 59,768 ​ $ 63,263 Servicing rights capitalized ​ ​ — ​ ​ 296 ​ ​ 509 ​ ​ 438 Changes in fair value related to: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (6) ​ ​ (1,041) ​ ​ (672) ​ ​ (2,064) Sales ​ ​ (946) ​ ​ — ​ ​ (59,464) ​ ​ — Gain (Loss) on sale of MSRs ​ ​ 243 ​ ​ — ​ ​ (4) ​ ​ — Change in valuation model inputs or assumptions ​ ​ — ​ ​ (226) ​ ​ (137) ​ ​ (443) Balance, end of period ​ $ — ​ $ 61,194 ​ $ — ​ $ 61,194
Nonresidential MSR
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 2024 2023 ​ ​ (In thousands) Balance, beginning of period ​ $ 95 ​ $ 132 ​ $ 101 ​ $ 141 Servicing rights capitalized ​ — ​ — ​ ​ — ​ ​ — Amortization ​ (6) ​ (8) ​ ​ (12) ​ ​ (17) Direct write-offs ​ (11) ​ — ​ ​ (11) ​ ​ — Change in valuation allowance ​ — ​ ​ — ​ ​ — ​ ​ — Balance, end of period ​ $ 78 ​ $ 124 ​ $ 78 ​ $ 124

Deposits (Tables)

Deposits (Tables)	6 Months Ended
	Mar. 31, 2024
Deposits
Schedule of deposits	​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, September 30, ​ ​ 2024 ​ 2023 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 196,239 ​ $ 242,237 NOW accounts ​ 312,394 ​ 336,446 Money market accounts ​ 337,939 ​ 323,739 Savings accounts ​ 160,668 ​ 170,073 Retail time deposits ​ 232,031 ​ 170,980 Brokered & reciprocal time deposits ​ 548,175 ​ 438,319 Total ​ $ 1,787,446 ​ $ 1,681,794 ​

Supplemental Disclosure for N_2

Supplemental Disclosure for Net Income Per Share (Tables)	6 Months Ended
	Mar. 31, 2024
Supplemental Disclosure for Net Income Per Share
Schedule of earnings per share information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 2024 2023 ​ ​ (Dollars in thousands, except per share data) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 4,927 ​ $ 3,724 ​ $ 5,847 ​ $ 6,595 Shares: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,832,130 ​ 6,842,897 ​ 6,828,017 ​ 6,879,805 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.72 ​ $ 0.54 ​ $ 0.86 ​ $ 0.96 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ Earnings: ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 4,927 ​ $ 3,724 ​ $ 5,847 ​ $ 6,595 Shares: ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,832,130 ​ 6,842,897 ​ 6,828,017 ​ 6,879,805 Add: Dilutive effect of outstanding options ​ 27,481 ​ 38,599 ​ 21,911 ​ 46,472 Add: Dilutive effect of restricted stock ​ — ​ — ​ — ​ — Weighted average common shares outstanding, as adjusted ​ 6,859,611 ​ 6,881,496 ​ 6,849,928 ​ 6,926,277 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.72 ​ $ 0.54 ​ $ 0.85 ​ $ 0.95

Fair Value Measurements and D_2

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments (Tables)	6 Months Ended
	Mar. 31, 2024
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Schedule of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) March 31, 2024: ​ ​ ​ ​ Assets Measured – Recurring Basis: ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury bills and notes ​ $ 26,970 ​ $ — ​ $ — ​ $ 26,970 Agency mortgage-backed ​ ​ — ​ ​ 24,514 ​ ​ — ​ ​ 24,514 Agency CMO ​ — ​ 12,727 ​ — ​ 12,727 Privately-issued CMO ​ — ​ 20 ​ 245 ​ 265 Privately-issued ABS ​ — ​ 299 ​ 79 ​ 378 SBA certificates ​ — ​ 10,793 ​ 30 ​ 10,823 Municipal bonds ​ — ​ 162,095 ​ — ​ 162,095 Other ​ ​ — ​ ​ — ​ ​ 1,200 ​ ​ 1,200 Total securities available for sale ​ $ 26,970 ​ $ 210,448 ​ $ 1,554 ​ $ 238,972 Residential mortgage loans held for sale ​ $ — ​ $ 2,979 ​ $ — ​ $ 2,979 Equity securities (included in other assets) ​ $ 204 ​ $ — ​ $ — ​ $ 204 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis: ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 793 ​ $ 793 SBA commercial real estate ​ ​ — ​ ​ — ​ ​ 1,480 ​ ​ 1,480 Commercial business ​ — ​ — ​ 137 ​ 137 SBA commercial business ​ ​ — ​ ​ — ​ ​ 432 ​ ​ 432 Total collateral dependent loans ​ $ — ​ $ — ​ $ 2,842 ​ $ 2,842 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value ​ Level 1 Level 2 Level 3 Total ​ ​ (In thousands) 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 Other ​ ​ — ​ ​ 1,712 ​ ​ — ​ ​ 1,712 Total securities available for sale ​ $ 25,949 ​ $ 201,330 ​ $ 460 ​ $ 227,739 Residential mortgage loans held for sale ​ $ — ​ $ 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
Schedule of reconciliation of derivative assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, (In thousands) ​ 2024 2023 2024 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ — ​ $ 362 ​ $ 268 ​ $ (238) Unrealized gains (losses) recognized in earnings, net of settlements ​ — ​ 986 ​ (268) ​ 1,586 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ — ​ $ 1,348 ​ $ — ​ $ 1,348
Schedule of significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ ​ Significant ​ (Weighted Average) ​ Unobservable September 30, Financial Instrument ​ Inputs ​ 2023 ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate 54% - 95% (81%) ​ ​ Direct costs to close 0.00% - 5.00% (0.62%)
Schedule of reconciliation of available for sale investment securities measured at fair value on recurring basis using significant unobservable inputs (Level 3)	​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Six Months Ended ​ ​ March 31, 2024 ​ March 31, 2024 ​ (In thousands) Beginning balance ​ $ — ​ $ — Transfers from Level 2 to Level 3 ​ $ 1,200 ​ $ 1,200 Ending balance in Level 3 ​ $ 1,200 ​ $ 1,200
Schedule of aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ March ,31 ​ March 31, ​ ​ ​ (In thousands) 2024 ​ 2023 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 2,979 ​ $ 2,919 ​ $ 60 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ ​ ​ ​ Aggregate ​ Principal ​ ​ ​ ​ ​ Fair Value ​ Balance ​ ​ ​ ​ ​ September 30, ​ September 30, ​ ​ ​ (In thousands) 2023 2023 Difference ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans held for sale ​ $ 24,692 ​ $ 24,382 ​ $ 309
Schedule of gains and losses and interest included in earnings related to financial assets measured at fair value under the fair value option	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, (In thousands) ​ 2024 2023 2024 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ 993 ​ $ 282 ​ $ (36) ​ $ 950 Interest income ​ 73 ​ 389 ​ 366 ​ 817 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1,066 ​ $ 671 ​ $ 330 ​ $ 1,767
Schedule of carrying value and estimated fair value of financial instruments and the level within the fair value hierarchy in which the fair value measurements fall	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) March 31, 2024: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 16,114 ​ $ 16,114 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 46,855 ​ 46,855 ​ — ​ — Interest-bearing time deposits ​ 490 ​ — ​ 490 ​ — Securities available for sale ​ 238,972 ​ 26,970 ​ 210,448 ​ 1,554 Securities held to maturity ​ 1,170 ​ — ​ 35 ​ 1,146 Residential mortgage loans held for sale ​ 2,979 ​ ​ — ​ ​ 2,979 ​ — SBA loans held for sale ​ ​ 16,129 ​ ​ — ​ ​ — ​ ​ 17,703 Loans, net ​ 1,882,458 ​ — ​ — ​ 1,780,928 FRB and FHLB stock ​ 24,986 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 10,874 ​ — ​ 10,874 ​ — Nonresidential mortgage loan servicing rights ​ ​ 78 ​ ​ — ​ ​ — ​ ​ 78 SBA loan servicing rights ​ 2,950 ​ — ​ — ​ 2,950 Equity securities (included in other assets) ​ ​ 204 ​ ​ 204 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ 196,239 ​ 196,239 ​ — ​ — Interest-bearing deposits ​ ​ 1,591,207 ​ ​ — ​ ​ — ​ ​ 1,588,902 Borrowings from FHLB ​ 315,000 ​ — ​ 311,346 ​ — Subordinated notes ​ 48,523 ​ — ​ 47,510 ​ — Accrued interest payable ​ 11,281 ​ — ​ 11,281 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 867 ​ ​ — ​ ​ 867 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: ​ Amount Level 1 Level 2 Level 3 ​ ​ (In thousands) 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 ​ 25,949 ​ 201,330 ​ 460 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 note ​ 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 ​
Collateral Dependent Loans
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Schedule of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Range of Inputs ​ ​ ​ Significant ​ (Weighted Average) ​ Range of Inputs (Weighted ​ ​ Unobservable ​ March 31, ​ Average) September 30, Financial Instrument ​ Inputs ​ 2024 ​ 2023 Collateral dependent loans Discount from appraised value 10.0% - 50.0% (15.49%) 10.0% - 50.0% (14.22%) ​ Estimated costs to sell 6.0% - 6.0% (6.00%) 6.0% - 6.0% (6.00%)
SBA loan servicing rights
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Schedule of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis	​ ​ ​ ​ ​ ​ ​ Significant Range of Inputs (Weighted ​ ​ Unobservable ​ Average) September 30, Financial Instrument ​ Inputs 2023 SBA loan servicing rights Discount rate 10.25% - 25.00% (13.79%) ​ Prepayment speed 8.60% - 32.85% (16.91%)
Other investment security
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Schedule of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis	​ ​ ​ ​ ​ ​ ​ ​ Significant ​ ​ ​ Unobservable ​ Range of Inputs (Weighted Financial Instrument ​ Inputs ​ Average) March 31, 2024 Other investment security Estimated market rate 9.00% - 10.00% (9.50%) ​

Stock Based Compensation Plans

Stock Based Compensation Plans (Tables)	6 Months Ended
	Mar. 31, 2024
Stock Based Compensation Plans
Schedule of fair value of options granted	The fair value of options granted during the six - month periods ended March 31, 2024 and 2023 were determined using the following assumptions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 ​ Expected dividend yield ​ 3.74 % ​ 2.93 % Risk-free interest rate ​ 4.44 % ​ 3.94 % Expected volatility ​ 28.4 % ​ 27.7 % Expected life of options ​ 6.9 years ​ ​ 6.8 years ​ Weighted average fair value at grant date ​ $ 3.55 ​ $ 5.71 ​
Schedule of stock option activity	A summary of stock option activity as of March 31, 2024, and changes during the six-month period then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Remaining ​ ​ ​ ​ ​ ​ ​ Weighted ​ Contractual ​ Aggregate ​ ​ Number of ​ Average ​ Term ​ Intrinsic ​ ​ Shares ​ Exercise Price ​ (Years) ​ Value ​ ​ (Dollars in thousands, except per share data) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Outstanding at beginning of period 408,669 ​ $ 20.79 ​ ​ ​ ​ ​ Granted 62,983 ​ ​ 15.10 ​ ​ ​ Exercised — ​ — ​ ​ ​ Forfeited or expired (5,100) ​ 17.66 ​ ​ ​ Outstanding at end of period 466,552 ​ $ 20.05 5.0 ​ $ 423 Exercisable at end of period 276,039 ​ $ 19.38 4.8 ​ $ 423
Schedule of nonvested restricted shares activity	​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ Number ​ Average ​ ​ of ​ Grant Date ​ ​ Shares ​ Fair Value Nonvested at October 1, 2023 54,916 ​ $ 24.73 Granted 19,475 ​ $ 15.10 Vested (16,158) ​ $ 24.23 Forfeited (800) ​ $ 22.49 Nonvested at March 31, 2024 57,433 ​ $ 21.64

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	6 Months Ended
	Mar. 31, 2024
Derivative Financial Instruments
Schedule of derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Notional Asset Liability ​ ​ Amount ​ Derivatives ​ Derivatives ​ ​ September 30, ​ September 30, ​ September 30, (In thousands) ​ 2023 ​ 2023 ​ 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ 67,040 ​ $ 452 ​ $ 184 Forward mortgage loan sale contracts ​ 66,000 ​ 471 ​ 12 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 133,040 ​ $ 923 ​ $ 196
Schedule of income (loss) related to derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, (In thousands) 2024 2023 2024 2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ — ​ $ 986 ​ $ (268) ​ $ 1,585 Forward mortgage loan sale contracts ​ — ​ (431) ​ 354 ​ (976) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ — ​ $ 555 ​ $ 86 ​ $ 609 ​

Regulatory Capital (Tables)

Regulatory Capital (Tables)	6 Months Ended
	Mar. 31, 2024
Regulatory Capital
Schedule of actual capital amounts and ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ For Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes: ​ Action Provisions: ​ Amount Ratio Amount Ratio Amount Ratio ​ ​ (Dollars in thousands) ​ As of March 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 240,099 12.46 % $ 154,168 8.00 % ​ N/A N/A ​ Bank ​ 235,099 12.20 ​ 154,133 8.00 ​ $ 192,666 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 173,087 8.98 % $ 115,626 6.00 % N/A N/A ​ Bank ​ 216,610 11.24 ​ 115,600 6.00 ​ $ 154,133 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 173,087 8.98 % $ 86,720 4.50 % N/A N/A ​ Bank ​ 216,610 11.24 ​ 86,700 4.50 ​ $ 125,233 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 173,087 7.36 % $ 94,107 4.00 % N/A N/A ​ Bank ​ 216,610 9.21 ​ 94,090 4.00 ​ $ 117,613 5.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ $ 114,259 5.00 % ​

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Tables)	6 Months Ended
	Mar. 31, 2024
Recent Accounting Pronouncements
Schedule of impact of adopting ASC 326	​ ​ ​ ​ ​ ​ ​ ​ ​ As Reported under ​ Impact of ​ ​ ASC 326 ​ Pre-ASC 326 ​ ASC 326 Adoption Assets ​ ​ ​ ​ ​ ​ Allowance for credit losses (“ACL”) on loans ​ ​ ​ ​ ​ ​ Residential real estate 5,678 4,641 1,037 Commercial real estate 2,032 1,777 255 Single tenant net lease 4,032 3,810 222 SBA commercial real estate 2,433 1,922 511 Multifamily 247 268 (21) Residential construction 208 434 (226) Commercial construction 325 282 43 Land and land development 233 307 (74) Commercial business 1,219 1,714 (495) SBA commercial business 1,407 1,247 160 Consumer 515 498 17 Allowance for credit losses on loans 18,329 16,900 1,429 Net deferred tax assets 19,817 18,859 859 ​ ​ ​ ​ ​ ​ ​ Liabilities ​ ​ ​ ​ ​ ​ Allowance for credit losses on off balance sheet credit exposures 1,940 — 1,940

Segment Reporting (Tables)

Segment Reporting (Tables)	6 Months Ended
	Mar. 31, 2024
Segment Reporting
Schedule of sum of the segment amounts and consolidated totals	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Consolidated ​ ​ Banking ​ Lending ​ Totals Three Months Ended March 31, 2024: ​ ​ ​ Net interest income ​ $ 13,469 ​ $ 869 ​ $ 14,338 Provision (credit) for credit losses – loans ​ 762 ​ (49) ​ 713 Credit for unfunded lending commitments ​ ​ (113) ​ ​ (146) ​ ​ (259) Provision for credit losses - securities ​ 23 ​ — ​ 23 Net interest income after provision ​ 12,797 ​ 1,064 ​ 13,861 Net gains on sales of loans, SBA ​ — ​ 951 ​ 951 Mortgage banking income ​ 53 ​ — ​ 53 Noninterest income ​ 2,537 ​ 1,173 ​ 3,710 Noninterest expense ​ 10,093 ​ 1,685 ​ 11,778 Income before taxes ​ 5,241 ​ 552 ​ 5,793 Income tax expense ​ 729 ​ 137 ​ 866 Segment profit ​ 4,512 ​ 415 ​ 4,927 Non-cash items: ​ ​ ​ Depreciation and amortization ​ 592 ​ 1 ​ 593 Segment assets at March 31, 2024 ​ 2,279,791 ​ 85,192 ​ 2,364,983 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Consolidated ​ ​ Banking ​ Lending ​ Totals Six Months Ended March 31, 2024: ​ ​ ​ Net interest income ​ $ 26,579 ​ $ 1,872 ​ $ 28,451 Provision for credit losses – loans ​ 781 ​ 402 ​ 1,183 Credit for unfunded lending commitments ​ ​ (180) ​ ​ (137) ​ ​ (317) Provision for credit losses – securities ​ 23 ​ — ​ 23 Net interest income after provision ​ 25,955 ​ 1,607 ​ 27,562 Net gains on sales of loans, SBA ​ — ​ 1,785 ​ 1,785 Mortgage banking income ​ 142 ​ — ​ 142 Noninterest income ​ 4,316 ​ 2,176 ​ 6,492 Noninterest expense ​ 23,986 ​ 3,831 ​ 27,817 Income (loss) before taxes ​ 6,285 ​ (48) ​ 6,237 Income tax expense ​ 384 ​ 6 ​ 390 Segment profit (loss) ​ 5,901 ​ (54) ​ 5,847 Non-cash items: ​ ​ ​ Depreciation and amortization ​ 1,198 ​ 3 ​ 1,201 Segment assets at March 31, 2024 ​ 2,279,791 ​ 85,192 ​ 2,364,983 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals Three Months Ended March 31, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 13,632 ​ $ 1,093 ​ $ 187 ​ $ 14,912 Provision (credit) for loan losses ​ ​ 422 ​ ​ (50) ​ ​ — ​ ​ 372 Net interest income after provision ​ ​ 13,210 ​ ​ 1,143 ​ ​ 187 ​ ​ 14,540 Net gains on sales of loans, SBA ​ — ​ 907 ​ — ​ 907 Mortgage banking income ​ 2 ​ — ​ 4,147 ​ 4,149 Noninterest income ​ 1,733 ​ 1,636 ​ 4,147 ​ 7,516 Noninterest expense ​ 10,651 ​ 2,662 ​ 4,686 ​ 17,999 Income (loss) before taxes ​ 4,292 ​ 117 ​ (352) ​ 4,057 Income tax expense (benefit) ​ 401 ​ 20 ​ (88) ​ 333 Segment profit (loss) ​ 3,891 ​ 97 ​ (264) ​ 3,724 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 541 ​ ​ 6 ​ ​ 25 ​ ​ 572 Segment assets at March 31, 2023 ​ 2,051,149 ​ 83,506 ​ 104,951 ​ 2,239,606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core SBA Mortgage Consolidated ​ ​ Banking ​ Lending ​ Banking ​ Totals Six Months Ended March 31, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 28,640 ​ $ 2,088 ​ $ 445 ​ $ 31,173 Provision for loan losses ​ 1,123 ​ 233 ​ — ​ 1,356 Net interest income after provision ​ 27,517 ​ 1,855 ​ 445 ​ 29,817 Net gains on sales of loans, SBA ​ — ​ 1,682 ​ — ​ 1,682 Mortgage banking income (loss) ​ (8) ​ — ​ 6,653 ​ 6,645 Noninterest income ​ 3,661 ​ 2,390 ​ 6,653 ​ 12,704 Noninterest expense ​ 20,448 ​ 4,586 ​ 10,476 ​ 35,510 Income (loss) before taxes ​ 10,730 ​ (341) ​ (3,378) ​ 7,011 Income tax expense (benefit) ​ ​ 1,347 ​ ​ (87) ​ ​ (844) ​ ​ 416 Segment profit (loss) ​ ​ 9,383 ​ ​ (254) ​ ​ (2,534) ​ ​ 6,595 Non-cash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 1,199 ​ ​ 11 ​ ​ 52 ​ ​ 1,262 Segment assets at March 31, 2023 ​ 2,051,149 ​ 83,506 ​ 104,951 ​ 2,239,606 ​

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	6 Months Ended
	Mar. 31, 2024
Revenue from Contracts with Customers
Schedule of sources of noninterest income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 2024 2023 ​ ​ (In thousands) In Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 387 ​ $ 471 ​ $ 860 ​ $ 1,029 ATM and interchange fees ​ 585 ​ 586 ​ 1,034 ​ 1,325 Commission income ​ ​ 220 ​ ​ 189 ​ ​ 442 ​ ​ 317 Other ​ 31 ​ 35 ​ 56 ​ 60 Revenue from contracts with customers ​ 1,223 ​ 1,281 ​ 2,392 ​ 2,731 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Out of Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net unrealized gain (loss) on equity securities ​ ​ 6 ​ ​ 21 ​ ​ 44 ​ ​ 35 Gain on sale of SBA loans ​ 951 ​ 907 ​ 1,785 ​ 1,682 Mortgage banking income ​ 53 ​ 4,149 ​ 142 ​ 6,645 Increase in cash value of life insurance ​ 333 ​ 266 ​ 662 ​ 491 Real estate lease income ​ 115 ​ 117 ​ 230 ​ 234 Loan servicing and other income ​ ​ 1,029 ​ ​ 775 ​ ​ 1,237 ​ ​ 886 Other noninterest income ​ 2,487 ​ 6,235 ​ 4,100 ​ 9,973 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 3,710 ​ $ 7,516 ​ $ 6,492 ​ $ 12,704

Mortgage Banking Income (Tables

Mortgage Banking Income (Tables)	6 Months Ended
	Mar. 31, 2024
Mortgage Banking Income
Schedule of components of mortgage banking income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Six Months Ended ​ ​ March 31, ​ March 31, ​ 2024 2023 ​ 2024 2023 ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ (991) ​ $ 1,885 ​ $ (1,202) ​ $ 2,617 Mortgage brokerage income ​ 1 ​ 167 ​ 31 ​ 210 Net change in fair value of loans held for sale and interest rate lock commitments ​ 993 ​ 1,268 ​ (304) ​ 2,535 Realized and unrealized gains (losses) from Forward sales commitments ​ — ​ (431) ​ 354 ​ (976) Capitalized residential mortgage loan servicing rights ​ — ​ 296 ​ 509 ​ 438 Net change in fair value of residential mortgage loan servicing rights ​ (6) ​ (1,267) ​ (809) ​ (2,507) Provisions for loan repurchases and indemnifications ​ (37) ​ ​ (161) ​ 19 ​ (489) Net loan servicing income ​ 93 ​ ​ 2,392 ​ 1,544 ​ 4,817 Total mortgage banking income ​ $ 53 ​ $ 4,149 ​ $ 142 ​ $ 6,645 (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

Presentation of Interim Infor_2

Presentation of Interim Information (Details) - USD ($)	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Sep. 30, 2023
Presentation of Interim Information
Threshold Net Book Balance	$ 500,000,000		$ 500,000,000
Allowance for credit losses on off balance sheet credit exposures	1,623,000		1,623,000		$ 0
Credit for unfunded lending commitments	$ (259,000)	$ 0	(317,000)	$ 0
Minimum estimated value of property			$ 250,000
Real estate | Commercial
Presentation of Interim Information
Term of financing receivables			5 years
Real estate | Multifamily
Presentation of Interim Information
Maximum loan to value ratio	80%		80%
Real estate | Single tenant net lease
Presentation of Interim Information
Maximum loan to value ratio	70%		70%
Real estate | Land and land development
Presentation of Interim Information
Maximum loan to value ratio	75%		75%
Consumer
Presentation of Interim Information
Term of financing receivables			15 years
Maximum loan to value ratio	90%		90%
Minimum | Real estate | Residential
Presentation of Interim Information
Term of financing receivables			10 years
Minimum | Real estate | Commercial
Presentation of Interim Information
Amortization term of financing receivable			15 years
Minimum | Real estate | Land and land development
Presentation of Interim Information
Term of financing receivables			18 months
Maximum | Real estate | Residential
Presentation of Interim Information
Term of financing receivables			30 years
Maximum | Real estate | Commercial
Presentation of Interim Information
Amortization term of financing receivable			20 years
Maximum | Real estate | Land and land development
Presentation of Interim Information
Term of financing receivables			24 months

Investment Securities - Amortiz

Investment Securities - Amortized cost of securities available for sale and held to maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Debt securities available for sale:
Amortized Cost	$ 260,715	$ 265,209
Gross Unrealized Gain	430	34
Gross Unrealized Losses	22,150	37,504
Allowance for Credit Losses	23
Fair Value	238,972	227,739	$ 227,739
Debt securities held to maturity:
Amortized Cost	1,170
Amortized Cost		1,300
Gross Unrealized Gain	11	4
Gross Unrealized Losses		1
Fair Value	1,181		1,303
U.S. Treasury bills and notes
Debt securities available for sale:
Amortized Cost	30,665	30,598
Gross Unrealized Losses	3,695	4,649
Fair Value	26,970		25,949
Agency mortgage-backed
Debt securities available for sale:
Amortized Cost	27,726	28,542
Gross Unrealized Losses	3,212	4,274
Fair Value	24,514		24,268
Debt securities held to maturity:
Amortized Cost	32
Amortized Cost		36
Gross Unrealized Losses		1
Fair Value	32		35
Agency CMO
Debt securities available for sale:
Amortized Cost	13,807	14,064
Gross Unrealized Losses	1,080	1,322
Fair Value	12,727		12,742
Privately-issued CMO
Debt securities available for sale:
Amortized Cost	287	424
Gross Unrealized Gain	2	2
Gross Unrealized Losses	1	30
Allowance for Credit Losses	23
Fair Value	265		396
Privately-issued ABS
Debt securities available for sale:
Amortized Cost	367	433
Gross Unrealized Gain	13	13
Gross Unrealized Losses	2	3
Fair Value	378		443
SBA certificates
Debt securities available for sale:
Amortized Cost	11,251	11,587
Gross Unrealized Losses	428	842
Fair Value	10,823		10,745
Municipal bonds
Debt securities available for sale:
Amortized Cost	174,612	177,561
Gross Unrealized Gain	415	19
Gross Unrealized Losses	12,932	26,096
Fair Value	162,095		151,484
Debt securities held to maturity:
Amortized Cost	1,138
Amortized Cost		1,264
Gross Unrealized Gain	11	4
Fair Value	1,149		1,268
Other
Debt securities available for sale:
Amortized Cost	2,000
Gross Unrealized Losses	800
Fair Value	$ 1,200
Other
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	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Available for Sale - Amortized Cost
Amortized Cost	$ 260,715	$ 265,209
Available for Sale - Fair Value
Fair Value	238,972	227,739	$ 227,739
Municipal bonds
Available for Sale - Amortized Cost
Due within one year	4,401
Due after one year through five years	8,262
Due after five years through ten years	44,344
Due after ten years	150,270
Amortized Cost	174,612	177,561
Available for Sale - Fair Value
Due within one year	4,367
Due after one year through five years	8,140
Due after five years through ten years	39,390
Due after ten years	138,368
Fair Value	162,095		151,484
CMO
Available for Sale - Amortized Cost
Amortized Cost	14,094
Available for Sale - Fair Value
Fair Value	12,992
ABS
Available for Sale - Amortized Cost
Amortized Cost	367
Available for Sale - Fair Value
Fair Value	378
SBA certificates
Available for Sale - Amortized Cost
Amortized Cost	11,251
Amortized Cost	11,251	$ 11,587
Available for Sale - Fair Value
Fair Value	10,823
Fair Value	10,823		$ 10,745
Mortgage-backed securities
Available for Sale - Amortized Cost
Amortized Cost	27,726
Available for Sale - Fair Value
Fair Value	$ 24,514

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	Mar. 31, 2024	Mar. 31, 2023
Held to Maturity - Amortized Cost
Amortized Cost	$ 1,170
Held to Maturity - Fair Value
Fair Value	1,181	$ 1,303
Municipal bonds
Held to Maturity - Amortized Cost
Due within one year	254
Due after one year through five years	606
Due after five years through ten years	278
Amortized Cost	1,138
Held to Maturity - Fair Value
Due within one year	256
Due after one year through five years	612
Due after five years through ten years	281
Fair Value	1,149	$ 1,268
Mortgage-backed securities
Held to Maturity - Amortized Cost
Without single maturity date	32
Held to Maturity - Fair Value
Without single maturity date	$ 32

Investment Securities - Investm

Investment Securities - Investment securities with gross unrealized losses (Details) $ in Thousands	Mar. 31, 2024 USD ($) position	Mar. 31, 2023 USD ($) position
Fair Value
Continuous loss position less than twelve months	$ 20,747	$ 53,662
Continuous loss position more than twelve months	180,818	163,211
Total debt securities available for sale	$ 201,565	$ 216,873
Number of Investment Positions
Continuous loss position less than twelve months | position	23	53
Continuous loss position more than twelve months | position	153	150
Total debt securities available for sale | position	176	203
Continuous loss position more than twelve months, held to maturity | position		1
Total debt securities held to maturity | position		1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 943	$ 4,144
Continuous loss position more than twelve months	21,207	33,360
Total debt securities available for sale	22,150	37,504
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	1,611	1,576
Continuous loss position more than twelve months	$ 25,359	$ 24,373
Number of Investment Positions
Continuous loss position less than twelve months | position	5	5
Continuous loss position more than twelve months | position	1	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 26	$ 49
Continuous loss position more than twelve months	3,669	4,600
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months	55	163
Continuous loss position more than twelve months	$ 24,105	$ 23,859
Number of Investment Positions
Continuous loss position less than twelve months | position	1	2
Continuous loss position more than twelve months | position	14	15
Continuous loss position more than twelve months, held to maturity | position		1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 2	$ 8
Continuous loss position more than twelve months	3,210	4,266
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	$ 12,728	$ 8,493
Number of Investment Positions
Continuous loss position less than twelve months | position		1
Continuous loss position more than twelve months | position	15	14
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 462
Continuous loss position more than twelve months	$ 1,080	860
Privately-issued CMO
Fair Value
Continuous loss position more than twelve months	$ 244	$ 375
Number of Investment Positions
Continuous loss position more than twelve months | position	1	2
Gross Unrealized Losses
Continuous loss position more than twelve months	$ 1	$ 30
Privately-issued ABS
Fair Value
Continuous loss position more than twelve months	$ 165	$ 212
Number of Investment Positions
Continuous loss position more than twelve months | position	1	1
Gross Unrealized Losses
Continuous loss position more than twelve months	$ 2	$ 3
SBA certificates
Fair Value
Continuous loss position less than twelve months		31
Continuous loss position more than twelve months	$ 10,822	$ 10,714
Number of Investment Positions
Continuous loss position less than twelve months | position		1
Continuous loss position more than twelve months | position	3	2
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 3
Continuous loss position more than twelve months	$ 428	839
Municipal bonds
Fair Value
Continuous loss position less than twelve months	17,881	45,931
Continuous loss position more than twelve months	$ 107,395	$ 95,185
Number of Investment Positions
Continuous loss position less than twelve months | position	16	43
Continuous loss position more than twelve months | position	118	115
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 115	$ 3,334
Continuous loss position more than twelve months	12,817	22,762
Other
Fair Value
Continuous loss position less than twelve months	$ 1,200	$ 1,712
Number of Investment Positions
Continuous loss position less than twelve months | position	1	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 800	$ 288

Investment Securities - Additio

Investment Securities - Additional Information (Details)	3 Months Ended	6 Months Ended	15 Months Ended
	Mar. 31, 2024 USD ($) position item	Mar. 31, 2024 USD ($) position item shares	Dec. 31, 2023 USD ($)	Sep. 30, 2023 USD ($)	Mar. 31, 2023 USD ($) position
Investment Securities
Reserves on investment securities					$ 0
Provision for credit losses - securities	$ 23,000	$ 23,000
Number of securities having credit losses | position	2
Fair Value	$ 238,972,000	238,972,000		$ 227,739,000	$ 227,739,000
Carrying value of HTM debt securities	1,170,000	1,170,000
HTM securities nonaccrual				0
HTM securities excluding accrued interest, nonaccrual	$ 0	$ 0
Available for sale debt securities in loss position, depreciation percentage		5.80%
privately issued collateralized mortgage obligations ABS securities | shares		5
Continuous loss position more than twelve months | position	153	153			150
Percentage of available for sale of investments		84%
Proceeds from sales of securities available for sale			$ 0
Asset pledged as collateral | Federal reserve discount
Investment Securities
Fair Value	$ 61,600,000	$ 61,600,000
Asset pledged as collateral | Federal home loan bank borrowings
Investment Securities
Available for sale debt securities with total fair value, pledged to secure FHLB borrowings	53,800,000	53,800,000		$ 52,900,000
Debt securities | Downgraded Due To Potential Credit Losses
Investment Securities
Carrying value of downgraded due to potential credit losses	508,000	508,000
Debt securities | Downgraded Privately Issued Cmos
Investment Securities
Fair market value of downgraded privately issued collateralized mortgage obligations	488,000	488,000
Privately-issued CMO
Investment Securities
Provision for credit losses - securities	24,000	24,000
Fair Value	$ 265,000	$ 265,000			$ 396,000
Continuous loss position more than twelve months | position	1	1			2
Investments, fair value disclosure	$ 409,000	$ 409,000
Total unrealized loss		25,000
Other-than-temporary impairment losses		$ 28,000
Privately-issued CMO | Two privately issued collateralized mortgage obligations
Investment Securities
Continuous loss position more than twelve months | position	2	2
Privately-issued ABS
Investment Securities
Fair Value	$ 378,000	$ 378,000			$ 443,000
Number of debt securities | item	2	2
Continuous loss position more than twelve months | position	1	1			1
Municipal bonds
Investment Securities
Fair Value	$ 162,095,000	$ 162,095,000			$ 151,484,000
Number of debt securities | item	2	2
Carrying value of HTM debt securities	$ 1,138,000	$ 1,138,000
Continuous loss position more than twelve months | position	118	118			115

Investment Securities - Availab

Investment Securities - Available for sale debt securities - Allowance for credit losses (Details) - USD ($)	3 Months Ended	6 Months Ended
	Mar. 31, 2024	Mar. 31, 2024
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	$ 23,000	$ 23,000
Ending balance	23,000	23,000
Privately-issued CMO
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	24,000	24,000
Reductions due to increase in expected cash flows	(1,000)	(1,000)
Ending balance	$ 23,000	$ 23,000

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023
Loans and Allowance for Credit Losses
Total loans	$ 1,900,918		$ 1,900,918
Total loans			1,786,194
Deferred loan origination fees and costs, net	932
Deferred loan origination fees and costs, net			949
Allowance for credit losses	(19,392)	$ (18,789)	(16,900)
Allowance for loan losses			(16,900)
Loans, net	1,882,458
Loans, net			1,770,243
Discounts on SBA loans	3,400		3,300
Residential
Loans and Allowance for Credit Losses
Total loans	609,182		609,182
Total loans			528,410
Allowance for credit losses	(6,381)	(5,688)	(4,641)
Allowance for loan losses			(4,641)
Commercial
Loans and Allowance for Credit Losses
Total loans	183,522		183,522
Total loans			187,232
Allowance for credit losses	(1,645)	(1,797)	(1,777)
Allowance for loan losses			(1,777)
Single tenant net lease
Loans and Allowance for Credit Losses
Total loans	751,357		751,357
Total loans			757,388
Allowance for credit losses	(3,764)	(4,080)	(3,810)
Allowance for loan losses			(3,810)
SBA commercial
Loans and Allowance for Credit Losses
Total loans	47,008		47,008
Total loans			47,078
Allowance for credit losses	(2,872)	(2,871)	(1,922)
Allowance for loan losses			(1,922)
Multifamily
Loans and Allowance for Credit Losses
Total loans	39,944		39,944
Total loans			34,892
Allowance for credit losses	(410)	(321)	(268)
Allowance for loan losses			(268)
Residential Construction
Loans and Allowance for Credit Losses
Total loans	52,166		52,166
Total loans			24,924
Allowance for credit losses	(351)	(304)	(434)
Allowance for loan losses			(434)
Commercial Construction
Loans and Allowance for Credit Losses
Total loans	20,978		20,978
Total loans			14,588
Allowance for credit losses	(431)	(384)	(282)
Allowance for loan losses			(282)
Land and land development
Loans and Allowance for Credit Losses
Total loans	15,573		15,573
Total loans			17,234
Allowance for credit losses	(174)	(197)	(307)
Allowance for loan losses			(307)
SBA commercial business
Loans and Allowance for Credit Losses
Total loans	18,568		18,568
Total loans			16,939
Allowance for credit losses	(1,434)	(1,499)	(1,247)
Allowance for loan losses			(1,247)
Consumer
Loans and Allowance for Credit Losses
Total loans	38,467		38,467
Total loans			39,915
Allowance for credit losses	(446)	$ (426)	(498)
Allowance for loan losses			(498)
Real estate mortgage | Residential
Loans and Allowance for Credit Losses
Total loans	609,182
Total loans			528,410
Real estate mortgage | Commercial
Loans and Allowance for Credit Losses
Total loans	183,522
Total loans			187,232
Real estate mortgage | Single tenant net lease
Loans and Allowance for Credit Losses
Total loans	751,357
Total loans			757,388
Real estate mortgage | SBA commercial
Loans and Allowance for Credit Losses
Total loans	47,008
Total loans			47,078
Real estate mortgage | Multifamily
Loans and Allowance for Credit Losses
Total loans	39,944
Total loans			34,892
Real estate mortgage | Residential Construction
Loans and Allowance for Credit Losses
Total loans	52,166
Total loans			24,924
Real estate mortgage | Commercial Construction
Loans and Allowance for Credit Losses
Total loans	20,978
Total loans			14,588
Real estate mortgage | Land and land development
Loans and Allowance for Credit Losses
Total loans	15,573
Total loans			17,234
Commercial business
Loans and Allowance for Credit Losses
Total loans	124,153
Total loans			117,594
SBA commercial business
Loans and Allowance for Credit Losses
Total loans	18,568
Total loans			16,939
Consumer
Loans and Allowance for Credit Losses
Total loans	$ 38,467
Total loans			$ 39,915

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Components of loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
Loans as Evaluated for Impairment:
Individually evaluated for impairment	$ 15,638	$ 15,214
Collectively evaluated for impairment		1,770,980
Loans		1,786,194
Residential real estate
Loans as Evaluated for Impairment:
Individually evaluated for impairment	2,960	3,312
Collectively evaluated for impairment		525,098
Loans		528,410
Commercial real estate
Loans as Evaluated for Impairment:
Individually evaluated for impairment	496	868
Collectively evaluated for impairment		186,364
Loans		187,232
Single tenant net lease
Loans as Evaluated for Impairment:
Collectively evaluated for impairment		757,388
Loans		757,388
SBA commercial real estate
Loans as Evaluated for Impairment:
Individually evaluated for impairment	8,110	7,415
Collectively evaluated for impairment		39,663
Loans		47,078
Multifamily
Loans as Evaluated for Impairment:
Individually evaluated for impairment	290	318
Collectively evaluated for impairment		34,574
Loans		34,892
Residential Construction
Loans as Evaluated for Impairment:
Collectively evaluated for impairment		24,924
Loans		24,924
Commercial Construction
Loans as Evaluated for Impairment:
Collectively evaluated for impairment		14,588
Loans		14,588
Land and land development
Loans as Evaluated for Impairment:
Collectively evaluated for impairment		17,234
Loans		17,234
Commercial Business
Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,649	1,946
Collectively evaluated for impairment		115,648
Loans		117,594
SBA commercial business
Loans as Evaluated for Impairment:
Individually evaluated for impairment	2,121	1,122
Collectively evaluated for impairment		15,817
Loans		16,939
Consumer
Loans as Evaluated for Impairment:
Individually evaluated for impairment	$ 12	233
Collectively evaluated for impairment		39,682
Loans		$ 39,915

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses - Allowance for credit losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Sep. 30, 2023
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment					$ 563
Collectively Evaluated for Impairment					16,337
Allowance for loan losses					16,900
Ending balance		$ 16,458		$ 16,458
Activity in Allowance for Loan Losses:
Beginning balance	$ 18,789		$ 16,900
Provisions (Credits)	713		1,183
Charge-offs	(148)		(261)		(261)
Recoveries	38		141
Ending balance	19,392		19,392		16,900
Beginning balance		16,080		15,360	15,360
Provisions (Credits)		372		1,356
Charge-offs		(59)		(388)
Recoveries		65		130
Ending balance		16,458		16,458
Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	1,429		1,429
Residential real estate
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment					74
Collectively Evaluated for Impairment					4,567
Allowance for loan losses					4,641
Ending balance		3,537		3,537
Activity in Allowance for Loan Losses:
Beginning balance	5,688		4,641
Provisions (Credits)	686		695
Recoveries	7		8
Ending balance	6,381		6,381		4,641
Beginning balance		3,100		2,716	2,716
Provisions (Credits)		424		806
Recoveries		13		15
Ending balance		3,537		3,537
Residential real estate | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	1,037		1,037
Commercial real estate
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment					2
Collectively Evaluated for Impairment					1,775
Allowance for loan losses					1,777
Ending balance		1,783		1,783
Activity in Allowance for Loan Losses:
Beginning balance	1,797		1,777
Provisions (Credits)	(152)		(387)
Ending balance	1,645		1,645		1,777
Beginning balance		1,751		1,590	1,590
Provisions (Credits)		32		193
Ending balance		1,783		1,783
Commercial real estate | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	255		255
Single tenant net lease
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment					3,810
Allowance for loan losses					3,810
Ending balance		3,726		3,726
Activity in Allowance for Loan Losses:
Beginning balance	4,080		3,810
Provisions (Credits)	(316)		(268)
Ending balance	3,764		3,764		3,810
Beginning balance		3,804		3,838	3,838
Provisions (Credits)		(78)		(112)
Ending balance		3,726		3,726
Single tenant net lease | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	222		222
SBA commercial real estate
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment					1,922
Allowance for loan losses					1,922
Ending balance		2,607		2,607
Activity in Allowance for Loan Losses:
Beginning balance	2,871		1,922
Provisions (Credits)			379
Charge-offs			(2)		(2)
Recoveries	1		62
Ending balance	2,872		2,872		1,922
Beginning balance		2,398		2,578	2,578
Provisions (Credits)		212		106
Charge-offs		(3)		(77)
Ending balance		2,607		2,607
SBA commercial real estate | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	511		511
Multifamily
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment					268
Allowance for loan losses					268
Ending balance		326		326
Activity in Allowance for Loan Losses:
Beginning balance	321		268
Provisions (Credits)	89		163
Ending balance	410		410		268
Beginning balance		252		251	251
Provisions (Credits)		74		75
Ending balance		326		326
Multifamily | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	(21)		(21)
Residential construction
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment					434
Allowance for loan losses					434
Ending balance		246		246
Activity in Allowance for Loan Losses:
Beginning balance	304		434
Provisions (Credits)	47		143
Ending balance	351		351		434
Beginning balance		367		305	305
Provisions (Credits)		(121)		(59)
Ending balance		246		246
Residential construction | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	(226)		(226)
Commercial construction
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment					282
Allowance for loan losses					282
Ending balance		83		83
Activity in Allowance for Loan Losses:
Beginning balance	384		282
Provisions (Credits)	47		106
Ending balance	431		431		282
Beginning balance		83		107	107
Provisions (Credits)				(24)
Ending balance		83		83
Commercial construction | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	43		43
Land and land development
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment					307
Allowance for loan losses					307
Ending balance		198		198
Activity in Allowance for Loan Losses:
Beginning balance	197		307
Provisions (Credits)	(23)		(59)
Ending balance	174		174		307
Beginning balance		200		212	212
Provisions (Credits)		(2)		(14)
Ending balance		198		198
Land and land development | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	(74)		(74)
Commercial business
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment					111
Collectively Evaluated for Impairment					1,603
Allowance for loan losses					1,714
Ending balance		1,322		1,322
Activity in Allowance for Loan Losses:
Beginning balance	1,222		1,714
Provisions (Credits)	288		291
Charge-offs	(26)		(26)		(26)
Ending balance	1,484		1,484		1,714
Beginning balance		1,255		1,193	1,193
Provisions (Credits)		37		69
Recoveries		30		60
Ending balance		1,322		1,322
Commercial business | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	(495)		(495)
SBA commercial business
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment					187
Collectively Evaluated for Impairment					1,060
Allowance for loan losses					1,247
Ending balance		2,088		2,088
Activity in Allowance for Loan Losses:
Beginning balance	1,499		1,247
Provisions (Credits)	(49)		23
Charge-offs	(21)		(24)		(24)
Recoveries	5		28
Ending balance	1,434		1,434		1,247
Beginning balance		2,338		2,122	2,122
Provisions (Credits)		(262)		128
Charge-offs				(190)
Recoveries		12		28
Ending balance		2,088		2,088
SBA commercial business | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	160		160
Consumer
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment					189
Collectively Evaluated for Impairment					309
Allowance for loan losses					498
Ending balance		542		542
Activity in Allowance for Loan Losses:
Beginning balance	426		498
Provisions (Credits)	96		97
Charge-offs	(101)		(209)		(209)
Recoveries	25		43
Ending balance	446		446		498
Beginning balance		532		448	$ 448
Provisions (Credits)		56		188
Charge-offs		(56)		(121)
Recoveries		10		27
Ending balance		$ 542		$ 542
Consumer | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	$ 17		$ 17

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Mar. 31, 2023	Mar. 31, 2023	Sep. 30, 2023
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			$ 11,871
Loans with no related allowance recorded, Unpaid Principal Balance			15,354
Loans with no related allowance recorded, Average Recorded Investment	$ 14,687	$ 13,678
Loans with no related allowance recorded, Interest Income Recognized	77	77
Loans with an allowance recorded, Recorded Investment			3,343
Loans with an allowance recorded, Unpaid Principal Balance			3,636
Loans with an allowance recorded, Related Allowance			563
Loans with an allowance recorded, Average Recorded Investment	2,609	3,142
Total, Recorded Investment			15,214
Total, Unpaid Principal Balance			18,990
Total, Related Allowance			563
Total, Average Recorded Investment	17,296	16,820
Total, Interest Income Recognized	77	77
Residential real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			1,989
Loans with no related allowance recorded, Unpaid Principal Balance			2,139
Loans with no related allowance recorded, Average Recorded Investment	3,591	3,236
Loans with no related allowance recorded, Interest Income Recognized	30	30
Loans with an allowance recorded, Recorded Investment			1,323
Loans with an allowance recorded, Unpaid Principal Balance			1,328
Loans with an allowance recorded, Related Allowance			74
Total, Recorded Investment			3,312
Total, Unpaid Principal Balance			3,467
Total, Related Allowance			74
Total, Average Recorded Investment	3,591	3,236
Total, Interest Income Recognized	30	30
Commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			551
Loans with no related allowance recorded, Unpaid Principal Balance			627
Loans with no related allowance recorded, Average Recorded Investment	969	973
Loans with no related allowance recorded, Interest Income Recognized	13	13
Loans with an allowance recorded, Recorded Investment			317
Loans with an allowance recorded, Unpaid Principal Balance			317
Loans with an allowance recorded, Related Allowance			2
Total, Recorded Investment			868
Total, Unpaid Principal Balance			944
Total, Related Allowance			2
Total, Average Recorded Investment	969	973
Total, Interest Income Recognized	13	13
SBA commercial real estate
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			7,415
Loans with no related allowance recorded, Unpaid Principal Balance			9,397
Loans with no related allowance recorded, Average Recorded Investment	7,822	7,199
Loans with an allowance recorded, Average Recorded Investment	1,022	1,596
Total, Recorded Investment			7,415
Total, Unpaid Principal Balance			9,397
Total, Average Recorded Investment	8,844	8,795
Multifamily
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			318
Loans with no related allowance recorded, Unpaid Principal Balance			362
Loans with no related allowance recorded, Average Recorded Investment	384	389
Loans with no related allowance recorded, Interest Income Recognized	10	10
Total, Recorded Investment			318
Total, Unpaid Principal Balance			362
Total, Average Recorded Investment	384	389
Total, Interest Income Recognized	10	10
Commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Average Recorded Investment	895	993
Loans with no related allowance recorded, Interest Income Recognized	24	24
Loans with an allowance recorded, Average Recorded Investment	135	90
Total, Average Recorded Investment	1,030	1,083
Total, Interest Income Recognized	24	24
SBA commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			684
Loans with no related allowance recorded, Unpaid Principal Balance			1,799
Loans with no related allowance recorded, Average Recorded Investment	954	813
Loans with an allowance recorded, Recorded Investment			438
Loans with an allowance recorded, Unpaid Principal Balance			637
Loans with an allowance recorded, Related Allowance			187
Loans with an allowance recorded, Average Recorded Investment	1,229	1,259
Total, Recorded Investment			1,122
Total, Unpaid Principal Balance			2,436
Total, Related Allowance			187
Total, Average Recorded Investment	2,183	2,072
Consumer
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			44
Loans with no related allowance recorded, Unpaid Principal Balance			58
Loans with no related allowance recorded, Average Recorded Investment	72	75
Loans with an allowance recorded, Recorded Investment			189
Loans with an allowance recorded, Unpaid Principal Balance			189
Loans with an allowance recorded, Related Allowance			189
Loans with an allowance recorded, Average Recorded Investment	223	197
Total, Recorded Investment			233
Total, Unpaid Principal Balance			247
Total, Related Allowance			189
Total, Average Recorded Investment	$ 295	$ 272
Commercial business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Recorded Investment			870
Loans with no related allowance recorded, Unpaid Principal Balance			972
Loans with an allowance recorded, Recorded Investment			1,076
Loans with an allowance recorded, Unpaid Principal Balance			1,165
Loans with an allowance recorded, Related Allowance			111
Total, Recorded Investment			1,946
Total, Unpaid Principal Balance			2,137
Total, Related Allowance			$ 111

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Amortized cost basis of collateral dependent loans individually evaluated to determine expected credit losses (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	$ 15,638	$ 15,214
Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	11,856
Other
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	3,782
Residential
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	2,960	3,312
Residential | Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	2,960
Commercial real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	496	868
Commercial real estate | Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	496
SBA commercial real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	8,110	7,415
SBA commercial real estate | Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	8,110
Multifamily
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	290	318
Multifamily | Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	290
Undisbursed portion of commercial and personal lines of credit
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	1,649	1,946
Undisbursed portion of commercial and personal lines of credit | Other
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	1,649
SBA commercial business
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	2,121	1,122
SBA commercial business | Other
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	2,121
Consumer
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	12	$ 233
Consumer | Other
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	$ 12

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Nonperforming loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	$ 15,638
Nonaccural Loans with No Allowance for Credit loses	11,337
Total Nonaccrual Loans		$ 13,948
Residential real estate
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	2,960
Nonaccural Loans with No Allowance for Credit loses	1,803
Total Nonaccrual Loans		2,426
Commercial real estate
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	496
Nonaccural Loans with No Allowance for Credit loses	496
Total Nonaccrual Loans		511
SBA commercial real estate
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	8,110
Nonaccural Loans with No Allowance for Credit loses	6,025
Total Nonaccrual Loans		7,415
Multifamily
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	290
Nonaccural Loans with No Allowance for Credit loses	290
Total Nonaccrual Loans		318
Commercial business
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	1,649
Nonaccural Loans with No Allowance for Credit loses	1,470
Total Nonaccrual Loans		1,946
SBA commercial business
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	2,121
Nonaccural Loans with No Allowance for Credit loses	1,241
Total Nonaccrual Loans		1,099
Consumer
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	12
Nonaccural Loans with No Allowance for Credit loses	$ 12
Total Nonaccrual Loans		$ 233

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses - Aging of recorded investment in past due loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
Loans and Allowance for Loan Losses
Total loans	$ 1,900,918	$ 1,900,918
Total loans		1,786,194
30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3,857	3,921
60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,450	199
90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	7,989	6,499
Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	13,296	10,619
Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,887,622	1,775,575
Residential real estate
Loans and Allowance for Loan Losses
Total loans	609,182	609,182
Total loans		528,410
Residential real estate | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	2,764	2,715
Residential real estate | 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,398	132
Residential real estate | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	2,304	1,818
Residential real estate | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	6,466	4,665
Residential real estate | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	602,716	523,745
Commercial real estate
Loans and Allowance for Loan Losses
Total loans	183,522	183,522
Total loans		187,232
Commercial real estate | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	254	23
Commercial real estate | 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment		62
Commercial real estate | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	496
Commercial real estate | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	750	85
Commercial real estate | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	182,772	187,147
Single tenant net lease
Loans and Allowance for Loan Losses
Total loans	751,357	751,357
Total loans		757,388
Single tenant net lease | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	751,357	757,388
SBA commercial real estate
Loans and Allowance for Loan Losses
Total loans	47,008	47,008
Total loans		47,078
SBA commercial real estate | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	359	764
SBA commercial real estate | 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	49
SBA commercial real estate | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	4,422	3,877
SBA commercial real estate | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	4,830	4,641
SBA commercial real estate | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	42,178	42,437
Multifamily
Loans and Allowance for Loan Losses
Total loans	39,944	39,944
Total loans		34,892
Multifamily | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	39,944	34,892
Residential construction
Loans and Allowance for Loan Losses
Total loans	52,166	52,166
Total loans		24,924
Residential construction | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	52,166	24,924
Commercial construction
Loans and Allowance for Loan Losses
Total loans	20,978	20,978
Total loans		14,588
Commercial construction | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	20,978	14,588
Land and land development
Loans and Allowance for Loan Losses
Total loans	15,573	15,573
Total loans		17,234
Land and land development | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	63	40
Land and land development | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	63	40
Land and land development | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	15,510	17,194
Commercial business
Loans and Allowance for Loan Losses
Total loans	124,153	124,153
Total loans		117,594
Commercial business | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	14	112
Commercial business | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	37	86
Commercial business | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	51	198
Commercial business | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	124,102	117,396
SBA commercial business
Loans and Allowance for Loan Losses
Total loans	18,568	18,568
Total loans		16,939
SBA commercial business | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	213	130
SBA commercial business | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	718	682
SBA commercial business | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	931	812
SBA commercial business | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	17,637	16,127
Consumer
Loans and Allowance for Loan Losses
Total loans	38,467	38,467
Total loans		39,915
Consumer | 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	190	137
Consumer | 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3	5
Consumer | 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	12	36
Consumer | Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	205	178
Consumer | Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	$ 38,262	$ 39,737

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses - Loans categorized into each risk rating based on fiscal year of origination as well as current period gross charge-offs (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
	Mar. 31, 2024	Mar. 31, 2024	Sep. 30, 2023
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			$ 116,103
2023			340,316
2022			465,960
2021			141,625
2020			148,150
Prior			279,669
Revolving Loans			409,095
Total	$ 1,900,918	$ 1,900,918	1,900,918
YTD gross charge-offs, 2021			27
YTD gross charge-offs, Prior			234
YTD gross charge-offs, Total	148	261	261
Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			116,103
2023			338,705
2022			465,390
2021			141,100
2020			146,294
Prior			268,173
Revolving Loans			408,782
Total			1,884,547
Special Mention
Loans Amortized Cost Basis by Origination Fiscal Year End
2022			229
Total			229
Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			1,611
2022			341
2021			525
2020			1,856
Prior			9,762
Revolving Loans			313
Total			14,408
Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			1,652
Total			1,652
Loss
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			82
Total			82
Residential
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			54,231
2023			35,378
2022			46,873
2021			19,949
2020			11,787
Prior			58,545
Revolving Loans			382,419
Total	609,182	609,182	609,182
Residential | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			54,231
2023			35,267
2022			46,873
2021			19,671
2020			11,787
Prior			58,071
Revolving Loans			382,113
Total			608,013
Residential | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			111
2021			278
Prior			455
Revolving Loans			306
Total			1,150
Residential | Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			19
Total			19
Commercial real estate
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			6,652
2023			26,960
2022			64,255
2021			22,853
2020			8,169
Prior			54,633
Total	183,522	183,522	183,522
Commercial real estate | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			6,652
2023			26,464
2022			64,255
2021			22,853
2020			8,146
Prior			54,460
Total			182,830
Commercial real estate | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			496
2020			23
Prior			173
Total			692
Single tenant net lease
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			18,655
2023			151,778
2022			277,141
2021			72,168
2020			101,196
Prior			130,419
Total	751,357	751,357	751,357
Single tenant net lease | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			18,655
2023			151,778
2022			277,141
2021			72,168
2020			101,196
Prior			130,419
Total			751,357
SBA commercial real estate
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			2,944
2023			8,319
2022			5,809
2021			5,929
2020			9,157
Prior			14,813
Revolving Loans			37
Total	47,008	47,008	47,008
YTD gross charge-offs, Prior			2
YTD gross charge-offs, Total		2	2
SBA commercial real estate | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			2,944
2023			8,319
2022			5,418
2021			5,786
2020			7,381
Prior			6,757
Revolving Loans			37
Total			36,642
SBA commercial real estate | Special Mention
Loans Amortized Cost Basis by Origination Fiscal Year End
2022			229
Total			229
SBA commercial real estate | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2022			162
2021			143
2020			1,776
Prior			6,371
Total			8,452
SBA commercial real estate | Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			1,624
Total			1,624
SBA commercial real estate | Loss
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			61
Total			61
Multifamily
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			5,000
2023			2,610
2022			7,534
2021			5,524
2020			11,956
Prior			7,320
Total	39,944	39,944	39,944
Multifamily | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			5,000
2023			2,610
2022			7,534
2021			5,524
2020			11,956
Prior			7,030
Total			39,654
Multifamily | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			290
Total			290
Residential construction
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			4,038
2023			26,616
2022			21,512
Total	52,166	52,166	52,166
Residential construction | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			4,038
2023			26,616
2022			21,512
Total			52,166
Commercial construction
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			16,789
2022			4,189
Total	20,978	20,978	20,978
Commercial construction | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			16,789
2022			4,189
Total			20,978
Land and land development
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			432
2023			7,083
2022			5,410
2021			1,074
2020			401
Prior			1,173
Total	15,573	15,573	15,573
Land and land development | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			432
2023			7,083
2022			5,410
2021			1,074
2020			401
Prior			1,173
Total			15,573
Commercial business
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			17,910
2023			57,407
2022			28,741
2021			12,289
2020			906
Prior			6,900
Total	124,153	124,153	124,153
YTD gross charge-offs, Total	26	26	26
Commercial business | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			17,910
2023			56,408
2022			28,562
2021			12,245
2020			902
Prior			6,477
Total			122,504
Commercial business | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			999
2022			179
2021			44
2020			4
Prior			423
Total			1,649
SBA commercial business
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			3,589
2023			2,625
2022			732
2021			1,285
2020			4,272
Prior			5,690
Revolving Loans			375
Total	18,568	18,568	18,568
YTD gross charge-offs, Prior			24
YTD gross charge-offs, Total	21	24	24
SBA commercial business | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			3,589
2023			2,625
2022			732
2021			1,225
2020			4,219
Prior			3,610
Revolving Loans			375
Total			16,375
SBA commercial business | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2021			60
2020			53
Prior			2,050
Total			2,163
SBA commercial business | Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			9
Total			9
SBA commercial business | Loss
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			21
Total			21
Consumer
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			2,652
2023			4,751
2022			3,764
2021			554
2020			306
Prior			176
Revolving Loans			26,264
Total	38,467	38,467	38,467
YTD gross charge-offs, 2021			1
YTD gross charge-offs, Prior			208
YTD gross charge-offs, Total	$ 101	$ 209	209
Consumer | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			2,652
2023			4,746
2022			3,764
2021			554
2020			306
Prior			176
Revolving Loans			26,257
Total			38,455
Consumer | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			5
Revolving Loans			7
Total			$ 12

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses - Recorded investment in loans by risk category (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Loans and Allowance for Credit Losses
Loans	$ 1,786,194
Pass
Loans and Allowance for Credit Losses
Loans	1,770,145
Special Mention
Loans and Allowance for Credit Losses
Loans	318
Substandard
Loans and Allowance for Credit Losses
Loans	14,044
Doubtful
Loans and Allowance for Credit Losses
Loans	1,687
Residential real estate
Loans and Allowance for Credit Losses
Loans	528,410
Residential real estate | Pass
Loans and Allowance for Credit Losses
Loans	525,735
Residential real estate | Substandard
Loans and Allowance for Credit Losses
Loans	2,653
Residential real estate | Doubtful
Loans and Allowance for Credit Losses
Loans	22
Commercial real estate
Loans and Allowance for Credit Losses
Loans	187,232
Commercial real estate | Pass
Loans and Allowance for Credit Losses
Loans	186,520
Commercial real estate | Substandard
Loans and Allowance for Credit Losses
Loans	712
Single tenant net lease
Loans and Allowance for Credit Losses
Loans	757,388
Single tenant net lease | Pass
Loans and Allowance for Credit Losses
Loans	757,388
SBA commercial real estate
Loans and Allowance for Credit Losses
Loans	47,078
SBA commercial real estate | Pass
Loans and Allowance for Credit Losses
Loans	39,092
SBA commercial real estate | Special Mention
Loans and Allowance for Credit Losses
Loans	278
SBA commercial real estate | Substandard
Loans and Allowance for Credit Losses
Loans	6,083
SBA commercial real estate | Doubtful
Loans and Allowance for Credit Losses
Loans	1,625
Multifamily
Loans and Allowance for Credit Losses
Loans	34,892
Multifamily | Pass
Loans and Allowance for Credit Losses
Loans	34,574
Multifamily | Substandard
Loans and Allowance for Credit Losses
Loans	318
Residential construction
Loans and Allowance for Credit Losses
Loans	24,924
Residential construction | Pass
Loans and Allowance for Credit Losses
Loans	24,924
Commercial construction
Loans and Allowance for Credit Losses
Loans	14,588
Commercial construction | Pass
Loans and Allowance for Credit Losses
Loans	14,588
Land and land development
Loans and Allowance for Credit Losses
Loans	17,234
Land and land development | Pass
Loans and Allowance for Credit Losses
Loans	17,234
Commercial business
Loans and Allowance for Credit Losses
Loans	117,594
Commercial business | Pass
Loans and Allowance for Credit Losses
Loans	115,647
Commercial business | Special Mention
Loans and Allowance for Credit Losses
Loans	40
Commercial business | Substandard
Loans and Allowance for Credit Losses
Loans	1,907
SBA commercial business
Loans and Allowance for Credit Losses
Loans	16,939
SBA commercial business | Pass
Loans and Allowance for Credit Losses
Loans	14,572
SBA commercial business | Substandard
Loans and Allowance for Credit Losses
Loans	2,327
SBA commercial business | Doubtful
Loans and Allowance for Credit Losses
Loans	40
Consumer
Loans and Allowance for Credit Losses
Loans	39,915
Consumer | Pass
Loans and Allowance for Credit Losses
Loans	39,871
Consumer | Substandard
Loans and Allowance for Credit Losses
Loans	$ 44

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses - Recorded investment in troubled debt restructurings by class of loan and accrual status (Details) $ in Thousands	Mar. 31, 2023 USD ($)
Loans and Allowance for Loan Losses
Accruing	$ 2,446
Nonaccrual	2,413
Total	4,859
Residential real estate
Loans and Allowance for Loan Losses
Accruing	997
Total	997
Commercial real estate
Loans and Allowance for Loan Losses
Accruing	373
Nonaccrual	542
Total	915
SBA commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual	1,623
Total	1,623
Multifamily
Loans and Allowance for Loan Losses
Accruing	335
Total	335
Commercial business
Loans and Allowance for Loan Losses
Accruing	741
Total	741
SBA commercial business
Loans and Allowance for Loan Losses
Nonaccrual	248
Total	$ 248

Loans and Allowance for Cred_13

Loans and Allowance for Credit Losses - Changes in carrying value accounted for fair value of the loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Loans and Allowance for Loan Losses
Balance, beginning of period			$ 2,950
Balance, end of period	$ 2,950		2,950
Small Business Administration Loans
Loans and Allowance for Loan Losses
Balance, beginning of period	2,907	$ 3,301	2,950	$ 3,790
Servicing rights capitalized	278	261	535	459
Amortization	(137)	(195)	(280)	(390)
Direct write-offs	(98)	(170)	(315)	(311)
Change in valuation allowance		530	60	179
Balance, end of period	2,950	3,727	2,950	3,727
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Balance, beginning of period	709	62,165	59,768	63,263
Servicing rights capitalized		296	509	438
Direct write-offs	(946)		(59,464)
Loan repayments	(6)	(1,041)	(672)	(2,064)
Gain (Loss) on sale of MSRs	243		(4)
Changes in valuation model inputs or assumptions		(226)	(137)	(443)
Balance, end of period		61,194		61,194
Nonresidential MSR
Loans and Allowance for Loan Losses
Balance, beginning of period	95	132	101	141
Amortization	(6)	(8)	(12)	(17)
Direct write-offs	(11)		(11)
Balance, end of period	$ 78	$ 124	$ 78	$ 124

Loans and Allowance for Cred_14

Loans and Allowance for Credit Losses - Key assumptions used to estimate the fair value of the loans (Details) - Mortgage Servicing Rights.	12 Months Ended
	Sep. 30, 2023
Maximum
Discount rate	14.50%
Prepayment rate	85.82%
Minimum
Discount rate	9.44%
Prepayment rate	5%
Weighted Average
Discount rate	9.51%
Prepayment rate	6.82%

Loans and Allowance for Cred_15

Loans and Allowance for Credit Losses - Additional Information (Details) - USD ($)	3 Months Ended		6 Months Ended		18 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Sep. 30, 2023
Loans and Allowance for Loan Losses
Mortgage loans in process of foreclosure amount	$ 539,000		$ 539,000		$ 539,000
Interest income related to nonaccrual loans	0		0
Amount of new and modification FDMs			0
Loans and leases receivable impaired commitment to lend		$ 1,000		$ 1,000
Financing receivable allowance for credit losses, Write-downs		59,000		388,000
Provision for credit losses - loans	713,000	372,000	1,183,000	1,356,000
Impaired financing receivable, Unpaid principal balance						$ 18,990,000
Commercial real estate
Loans and Allowance for Loan Losses
Impaired financing receivable, Unpaid principal balance						944,000
Residential real estate
Loans and Allowance for Loan Losses
Real estate properties owned					444,000,000
Impaired financing receivable, Unpaid principal balance						3,467,000
SBA Lending
Loans and Allowance for Loan Losses
Servicing assets valuation allowance	0		0		0	60,000
SBA
Loans and Allowance for Loan Losses
Unpaid principal balance of loans	217,600,000	238,400,000	217,600,000	238,400,000	217,600,000	209,600,000
SBA | Bank Servicing
Loans and Allowance for Loan Losses
Revenue from Contract with Customer	2,000	14,000	8,000	34,000
Net servicing income	458,000	564,000	922,000	1,100,000
Troubled Debt Restructuring
Loans and Allowance for Loan Losses
Loans and leases receivable allowance covered		111,000		111,000
Financing receivable allowance for credit losses, Write-downs		3,000		6,000
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Unpaid principal balance of loans	0		0		0
Impaired financing receivable, Unpaid principal balance						4,770,000,000
Revenue from Contract with Customer	93,000	2,400,000	1,500,000	4,800,000
Escrow balances maintained with foregoing loan servicing and other liabilities	0		0		0	47,900,000
Nonresidential MSR
Loans and Allowance for Loan Losses
Unpaid principal balance of loans	40,300,000	44,000,000	40,300,000	44,000,000	40,300,000	40,400,000
Revenue from Contract with Customer	1,000	$ 5,000	4,000	$ 14,000
Servicing assets valuation allowance	$ 0		$ 0		$ 0	$ 0

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
Deposits
Noninterest-bearing demand deposits	$ 196,239	$ 242,237
NOW accounts	312,394	336,446
Money market accounts	337,939	323,739
Savings accounts	160,668	170,073
Retail time deposits	232,031	170,980
Brokered & reciprocal time deposits	548,175	438,319
Total deposits	$ 1,787,446	$ 1,681,794

Supplemental Disclosure for N_3

Supplemental Disclosure for Net Income Per Share - Net income per share information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Basic:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders	$ 4,927	$ 3,724	$ 5,847	$ 6,595
Shares:
Weighted average common shares outstanding, basic	6,832,130	6,842,897	6,828,017	6,879,805
Net income per common share, basic	$ 0.72	$ 0.54	$ 0.86	$ 0.96
Diluted:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders	$ 4,927	$ 3,724	$ 5,847	$ 6,595
Shares:
Weighted average common shares outstanding, basic	6,832,130	6,842,897	6,828,017	6,879,805
Add: Dilutive effect of outstanding options	27,481	38,599	21,911	46,472
Weighted average common shares outstanding, as adjusted	6,859,611	6,881,496	6,849,928	6,926,277
Net income per common share, diluted	$ 0.72	$ 0.54	$ 0.85	$ 0.95

Supplemental Disclosure for N_4

Supplemental Disclosure for Net Income Per Share - Additional Information (Details) - shares	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Restricted stock
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Antidilutive restricted stock awards	0	0	0	0
Stock options
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Antidilutive restricted stock awards	341,572	273,489	341,572	269,889

Fair Value Measurements and D_3

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	$ 238,972	$ 227,739	$ 227,739
Residential mortgage loans held for sale - fair value option elected	2,979	24,692
Derivative assets (included in other assets)		923
Residential mortgage loan servicing rights, at fair value		59,768
Derivative liabilities (included in other liabilities)		196
U.S. Treasury bills and notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	26,970		25,949
Agency mortgage-backed
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	24,514		24,268
Agency CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	12,727		12,742
Privately-issued CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	265		396
Privately-issued ABS
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	378		443
SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	10,823		10,745
Municipal bonds
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	162,095		151,484
Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024			$ 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, net of allowance for credit losses of $23 at March 31, 2024	238,972	227,739
Residential mortgage loans held for sale - fair value option elected	2,979	24,692
Equity securities (included in other assets)	204	160
Derivative assets (included in other assets)		923
Equity securities (included in other assets)	204	160
Residential mortgage loan servicing rights, at fair value		59,768
Derivative liabilities (included in other liabilities)		196
Fair Value, Measurements, Recurring | U.S. Treasury bills and notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	26,970	25,949
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, net of allowance for credit losses of $23 at March 31, 2024	24,514	24,268
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, net of allowance for credit losses of $23 at March 31, 2024	12,727	12,742
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, net of allowance for credit losses of $23 at March 31, 2024	265	396
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, net of allowance for credit losses of $23 at March 31, 2024	378	443
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, net of allowance for credit losses of $23 at March 31, 2024	10,823	10,745
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, net of allowance for credit losses of $23 at March 31, 2024	162,095	151,484
Fair Value, Measurements, Recurring | Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	1,200	1,712
Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	2,842	1,508
SBA loan servicing rights		2,950
Fair Value, Measurements, Nonrecurring | Residential real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	793	306
Fair Value, Measurements, Nonrecurring | SBA commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	1,480
Fair Value, Measurements, Nonrecurring | Commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	137	965
Fair Value, Measurements, Nonrecurring | SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	432	237
Level 1
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	26,970	25,949
Equity securities (included in other assets)	204	160
Equity securities (included in other assets)	204	160
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, net of allowance for credit losses of $23 at March 31, 2024	26,970	25,949
Equity securities (included in other assets)	204	160
Equity securities (included in other assets)	204	160
Level 1 | Fair Value, Measurements, Recurring | U.S. Treasury bills and notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	26,970	25,949
Level 2
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	210,448	201,330
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, net of allowance for credit losses of $23 at March 31, 2024	210,448	201,330
Residential mortgage loans held for sale - fair value option elected	2,979	24,692
Derivative assets (included in other assets)		471
Derivative liabilities (included in other liabilities)		12
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, net of allowance for credit losses of $23 at March 31, 2024	24,514	24,268
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, net of allowance for credit losses of $23 at March 31, 2024	12,727	12,742
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, net of allowance for credit losses of $23 at March 31, 2024	20	46
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, net of allowance for credit losses of $23 at March 31, 2024	299	364
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, net of allowance for credit losses of $23 at March 31, 2024	10,793	10,714
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, net of allowance for credit losses of $23 at March 31, 2024	162,095	151,484
Level 2 | Fair Value, Measurements, Recurring | Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024		1,712
Level 3
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	1,554	460
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, net of allowance for credit losses of $23 at March 31, 2024	1,554	460
Derivative assets (included in other assets)		452
Residential mortgage loan servicing rights, at fair value		59,768
Derivative liabilities (included in other liabilities)		184
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, net of allowance for credit losses of $23 at March 31, 2024	245	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, net of allowance for credit losses of $23 at March 31, 2024	79	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, net of allowance for credit losses of $23 at March 31, 2024	30	31
Level 3 | Fair Value, Measurements, Recurring | Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	1,200
Level 3 | Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	2,842	1,508
SBA loan servicing rights		2,950
Level 3 | Fair Value, Measurements, Nonrecurring | Residential real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	793	306
Level 3 | Fair Value, Measurements, Nonrecurring | SBA commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	1,480
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	137	965
Level 3 | Fair Value, Measurements, Nonrecurring | SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total impaired loans	$ 432	$ 237

Fair Value Measurements and D_4

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Reconciliation of derivative assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Beginning balance	$ 362	$ 268	$ (238)
Unrealized gains (losses) recognized in earnings, net of settlements	986	$ (268)	1,586
Ending balance	$ 1,348		$ 1,348

Fair Value Measurements and D_5

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a recurring basis (Details) - Interest rate lock commitments	Mar. 31, 2024	Sep. 30, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate	0%
Pull-through rate | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate		54%
Pull-through rate | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate		95%
Pull-through rate | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate		81%
Direct costs to close | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate		0%
Direct costs to close | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate		5%
Direct costs to close | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate		0.62%

Fair Value Measurements and D_6

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Summary of significant unobservable inputs used in the fair value measurement of impaired loans (Details)	Mar. 31, 2024	Sep. 30, 2023
Estimated market rate | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	10	10
Estimated market rate | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	50	50
Estimated market rate | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	(15.49)	(14.22)
Estimated costs to sell | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	6	6
Estimated costs to sell | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	6	6
Estimated costs to sell | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	(6)	(6)

Fair Value Measurements and D_7

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Summary of significant unobservable inputs used in the fair value measurement of SBA loan servicing rights measured at fair value (Details) - Level 3	Mar. 31, 2024	Sep. 30, 2023
SBA loan servicing rights
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights	0
SBA loan servicing rights | Estimated market rate | Maximum [Member]
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		25
SBA loan servicing rights | Estimated market rate | Minimum [Member]
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		10.25
SBA loan servicing rights | Estimated market rate | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		(13.79)
SBA loan servicing rights | Prepayment speed | Maximum [Member]
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		32.85
SBA loan servicing rights | Prepayment speed | Minimum [Member]
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		8.60
SBA loan servicing rights | Prepayment speed | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		(16.91)
Other investment security | Estimated market rate | Maximum [Member]
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment security	10
Other investment security | Estimated market rate | Minimum [Member]
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment security	9
Other investment security | Estimated market rate | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment security	(9.50)

Fair Value Measurements and D_8

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Reconciliation of available for sale investment securities measured at fair value on recurring basis using significant unobservable inputs (Level 3) (Details) - Other - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Mar. 31, 2024	Mar. 31, 2024
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Transfers from Level 2 to Level 3	$ 1,200	$ 1,200
Ending balance	$ 1,200	$ 1,200

Fair Value Measurements and D_9

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Additional information (Details)	3 Months Ended		6 Months Ended		12 Months Ended
	Mar. 31, 2024 USD ($)	Mar. 31, 2023 USD ($)	Mar. 31, 2024 USD ($) item	Mar. 31, 2023 USD ($)	Sep. 30, 2023 item
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Derivative assets and liabilities held	$ 0	$ 1,300,000	$ 0	$ 1,300,000
Impairment charges on nonresidential mortgage loan servicing rights	0	0	$ 0	0
Number of loans were 90 days or more past due | item			0		0
Level 3
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Transfers from loans to other real estate owned	0		$ 0
Collateral Dependent Loans
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Impairment charges on loan	$ 403,000	364,000	1,000,000	564,000
SBA commercial
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Impairment charges on loan		$ 530,000	$ 60,000	$ 179,000

Fair Value Measurements and _10

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Summary of Aggregate Fair Value and the Aggregate Remaining Principal Balance for Residential Mortgage Loans Held for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Residential mortgage loans held for sale Aggregate Fair Value	$ 2,979	$ 24,692
Residential mortgage loans held for sale Aggregate Principal Balance		24,382	$ 2,919
Residential mortgage loans held for sale Difference	$ 60	$ 309

Fair Value Measurements and _11

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Summary of Gains and Losses and Interest Included in Earnings Related to Financial Assets Measured at Fair Value Under the Fair Value Options (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total gains and interest included in earnings	$ 1,066	$ 671	$ 330	$ 1,767
Interest income
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Interest income	73	389	366	817
Mortgage Banking
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Gains (losses) - included in mortgage banking income	$ 993	$ 282	$ (36)	$ 950

Fair Value Measurements and _12

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Summary of fair value of loans measured using an entry price notion (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Mar. 31, 2024	Mar. 31, 2023
Financial assets:
Cash and due from banks	$ 18,014	$ 16,114
Interest-bearing deposits with banks	12,831	46,855
Fair Value	227,739	238,972	$ 227,739
Securities held to maturity	1,300
Debt securities held to maturity		1,170
Loans, net	1,770,243
SBA loan servicing rights	2,950	2,950
Financial liabilities:
Noninterest-bearing demand deposits	242,237	196,239
Interest-bearing deposits	1,439,557	1,591,207
Borrowings from FHLB	363,183	315,000
Accrued interest payable	8,926	11,281
Advance payments by borrowers for taxes and insurance	1,027	867
Level 1
Financial assets:
Cash and due from banks	18,014	16,114
Interest-bearing deposits with banks	12,831	46,855
Fair Value	25,949	26,970
Equity securities (included in other assets)	160	204
Financial liabilities:
Noninterest-bearing demand deposits	242,237	196,239
Level 2
Financial assets:
Interest-bearing time deposits	490	490
Fair Value	201,330	210,448
Securities held to maturity	38
Debt securities held to maturity		35
Residential mortgage loans held for sale	24,692	2,979
SBA loans held for sale	22,591
Accrued interest receivable	10,161	10,874
Derivative assets (included in other assets)	471
Financial liabilities:
Borrowings from FHLB	356,257	311,346
Subordinated note	46,940	47,510
Accrued interest payable	8,926	11,281
Advance payments by borrowers for taxes and insurance	1,027	867
Derivative liabilities (included in other liabilities)	12
Level 3
Financial assets:
Fair Value	460	1,554
Securities held to maturity	1,265
Debt securities held to maturity		1,146
SBA loans held for sale		17,703
Loans, net	1,651,115
Loans, net		1,780,928
SBA loan servicing rights	2,950	2,950
Residential mortgage loan servicing rights	59,768
Nonresidential mortgage loan servicing rights	101	78
Derivative assets (included in other assets)	452
Financial liabilities:
Interest-bearing deposits	1,435,083	1,588,902
Derivative liabilities (included in other liabilities)	184
Estimate of fair value measurement
Financial assets:
Cash and due from banks	18,014	16,114
Interest-bearing deposits with banks	12,831	46,855
Interest-bearing time deposits	490	490
Fair Value	227,739	238,972
Securities held to maturity	1,300
Debt securities held to maturity		1,170
Residential mortgage loans held for sale	24,692	2,979
SBA loans held for sale	21,163	16,129
Loans, net	1,770,243
Loans, net		1,882,458
FRB and FHLB stock	24,939	24,986
Accrued interest receivable	10,161	10,874
SBA loan servicing rights	2,950	2,950
Residential mortgage loan servicing rights	59,768
Nonresidential mortgage loan servicing rights	101	78
Derivative assets (included in other assets)	923
Equity securities (included in other assets)	160	204
Financial liabilities:
Noninterest-bearing demand deposits	242,237	196,239
Interest-bearing deposits	1,439,557	1,591,207
Borrowings from FHLB	363,183	315,000
Subordinated note	48,444	48,523
Accrued interest payable	8,926	11,281
Advance payments by borrowers for taxes and insurance	1,027	$ 867
Derivative liabilities (included in other liabilities)	$ 196

Employee Stock Ownership Plan (

Employee Stock Ownership Plan (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended		6 Months Ended
	Oct. 06, 2008	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Sep. 30, 2023
Employee Stock Ownership Plan
Total ESOP shares	203,363	274,568		274,568		293,695
Compensation expense recognized		$ 0	$ 0	$ 0	$ 0
Employee stock ownership plan (per share)	$ 10

Stock Based Compensation Plan_2

Stock Based Compensation Plans - Fair Value Of Options Granted (Details) - $ / shares	6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Stock Based Compensation Plans
Expected dividend yield	3.74%	2.93%
Risk-free interest rate	4.44%	3.94%
Expected volatility	28.40%	27.70%
Expected life of options	6 years 10 months 24 days	6 years 9 months 18 days
Weighted average fair value at grant date	$ 3.55	$ 5.71

Stock Based Compensation Plan_3

Stock Based Compensation Plans - Stock Option Activity (Details) $ / shares in Units, $ in Thousands	6 Months Ended
	Mar. 31, 2024 USD ($) $ / shares shares
Number of Shares
Outstanding at beginning of year | shares	408,669
Granted | shares	62,983
Forfeited or expired | shares	(5,100)
Outstanding at end of year | shares	466,552
Exercisable at end of year | shares	276,039
Weighted Average Exercise Price
Outstanding at beginning of year | $ / shares	$ 20.79
Granted | $ / shares	15.10
Forfeited or expired | $ / shares	17.66
Outstanding at end of year | $ / shares	20.05
Exercisable at end of year | $ / shares	$ 19.38
Weighted Average Remaining Contractual Term (Years)
Outstanding at end of period	5 years
Exercisable at end of period	4 years 9 months 18 days
Aggregate Intrinsic Value
Outstanding at end of period | $	$ 423
Exercisable at end of period | $	$ 423

Stock Based Compensation Plan_4

Stock Based Compensation Plans - Non vested Restricted Shares (Details) - Restricted stock - $ / shares	1 Months Ended	6 Months Ended
	Nov. 30, 2023	Mar. 31, 2024	Mar. 31, 2023
Number of Shares
Nonvested, Beginning Balance		54,916
Granted	19,475	19,475
Vested		(16,158)	(16,408)
Forfeited		(800)
Nonvested, Ending Balance		57,433
Weighted Average Grant Date Fair Value
Nonvested		$ 24.73
Granted		15.10
Vested		24.23
Forfeited		22.49
Nonvested		$ 21.64

Stock Based Compensation Plan_5

Stock Based Compensation Plans - Additional Information (Details) - USD ($)	1 Months Ended	3 Months Ended		6 Months Ended
	Nov. 30, 2023	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Stock Based Compensation Plans
Vesting period				5 years
Terms of award				P10Y
Equity Incentive Plan 2016
Stock Based Compensation Plans
Aggregated number of shares in stock options		264,000		264,000
Common stock available under incentive plan				4,560
Incentive stock options granted				$ 100,000
2021 Plan
Stock Based Compensation Plans
Aggregate number of shares of the Company's common stock available for issuance		356,058		356,058
Number of stock options granted				267,043
Common stock available under incentive plan				10,600
2021 Plan | Maximum
Stock Based Compensation Plans
Vesting period	5 years
2021 Plan | Minimum
Stock Based Compensation Plans
Vesting period	1 year
Employee Stock Option
Stock Based Compensation Plans
Vesting period		3 years 6 months
Intrinsic value of stock options exercised		$ 0	$ 0
Compensation expense		78,000	71,000	$ 153,000	$ 154,000
Unrecognized compensation expenses related to nonvested stock options		$ 989,000		989,000
Proceeds from exercise of stock options				0	0
Tax benefit from the exercise of stock options				$ 0	0
Employee Stock Option | Equity Incentive Plan 2016
Stock Based Compensation Plans
Aggregated number of shares in stock options		198,000		198,000
Common stock available under incentive plan				3,060
Employee Stock Option | 2021 Plan
Stock Based Compensation Plans
Common stock available under incentive plan				6,010
Restricted stock
Stock Based Compensation Plans
Number of restricted shares granted	19,475			19,475
Compensation expense		$ 98,000	$ 96,000	$ 195,000	$ 199,000
Unrecognized compensation expenses related to nonvested stock options		$ 1,100,000		$ 1,100,000
weighted average period of compensation expense (in years)				3 years 4 months 9 days
Restricted shares vested				16,158	16,408
Fair value of restricted shares				$ 244,000	$ 369,000
Restricted stock | Maximum
Stock Based Compensation Plans
Vesting period				5 years
Restricted stock | Minimum
Stock Based Compensation Plans
Vesting period				1 year
Restricted stock | Equity Incentive Plan 2016
Stock Based Compensation Plans
Aggregated number of shares in stock options		66,000		66,000
Common stock available under incentive plan				1,500
Restricted stock | 2021 Plan
Stock Based Compensation Plans
Number of restricted shares granted				89,015
Common stock available under incentive plan				4,590
Stock options
Stock Based Compensation Plans
Number of stock options granted	62,983
Stock options | Restricted stock
Stock Based Compensation Plans
Number of equity incentive plans		3		3

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
Derivative Financial Instruments
Notional Amount	$ 0	$ 133,040
Asset Derivatives		923
Liability Derivatives		196
Interest rate lock commitments
Derivative Financial Instruments
Notional Amount		67,040
Asset Derivatives		452
Liability Derivatives		184
Forward mortgage loan sale contracts
Derivative Financial Instruments
Notional Amount		66,000
Asset Derivatives		471
Liability Derivatives		$ 12

Derivative Financial Instrume_4

Derivative Financial Instruments - Income (loss) related to derivative financial instruments (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 555	$ 86	$ 609
Interest rate lock commitments
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	986	(268)	1,585
Forward mortgage loan sale contracts
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ (431)	$ 354	$ (976)

Derivative Financial Instrume_5

Derivative Financial Instruments - Additional information (Details) - USD ($) $ in Millions	Mar. 31, 2024	Sep. 30, 2023
Derivative Financial Instruments
Cash collateral derivative counterparty obligations	$ 0	$ 1.5

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Sep. 30, 2023 USD ($)
Consolidated
Regulatory Capital
Total capital (to risk weighted assets) Actual Amount	$ 240,099	$ 230,735
Tier 1 capital (to risk-weighted assets) Actual Amount	173,087	165,391
Common equity tier 1 capital (to risk-weighted assets) Actual Amount	173,087	165,391
Tier 1 capital (to average adjusted total assets) Actual Amount	$ 173,087	$ 165,391
Total capital (to risk weighted assets) Actual Ratio	0.1246	0.1147
Tier 1 capital (to risk-weighted assets) Actual Ratio	0.0898	0.0822
Common equity tier 1 capital (to risk-weighted assets) Actual Ratio	0.0898%	0.0822%
Tier 1 capital (to average adjusted total assets) Actual Ratio	0.0736	0.0724
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Amount	$ 154,168	$ 160,965
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	115,626	120,724
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	86,720	90,543
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Amount	$ 94,107	$ 91,375
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.0600	0.0600
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Ratio	0.0400	0.0400
Bank
Regulatory Capital
Total capital (to risk weighted assets) Actual Amount	$ 235,099	$ 226,461
Tier 1 capital (to risk-weighted assets) Actual Amount	216,610	209,561
Common equity tier 1 capital (to risk-weighted assets) Actual Amount	216,610	209,561
Tier 1 capital (to average adjusted total assets) Actual Amount	$ 216,610	$ 209,561
Total capital (to risk weighted assets) Actual Ratio	0.1220	0.1127
Tier 1 capital (to risk-weighted assets) Actual Ratio	0.1124	0.1042
Common equity tier 1 capital (to risk-weighted assets) Actual Ratio	0.1124%	0.1042%
Tier 1 capital (to average adjusted total assets) Actual Ratio	0.0921	0.0917
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Amount	$ 154,133	$ 160,822
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	115,600	120,616
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	86,700	90,462
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Amount	$ 94,090	$ 91,406
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.0800	0.0800
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.0600	0.0600
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Ratio	0.0400	0.0400
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 192,666	$ 201,027
Tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	154,133	160,822
Common equity tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	125,233	130,668
Tier 1 capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 117,613	$ 114,259
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.1000	0.1000
Tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.0800	0.0800
Common equity tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.065%	0.065%
Tier 1 capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.0500	0.0500

Regulatory Capital - Additional

Regulatory Capital - Additional information (Details) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2024	Sep. 30, 2023
Regulatory Capital
Percentage of capital conservation buffer	2.50%	2.50%
Maximum amount to attain consolidated capital requirements	$ 3,000,000
Amount deducted from capital for interest rate risk	$ 0

Recent Accounting Pronounceme_3

Recent Accounting Pronouncements (Details) - Cumulative effect period of adoption adjustment member - ASU 2016-02	Oct. 01, 2023 USD ($)
Recent Accounting Pronouncements
Net of tax decrease to retained earnings	$ 2,500,000
Increase in allowance for credit losses	1,400,000
Increase in allowance for credit losses for unfunded commitments	1,900,000
Increase in deferred tax assets	$ 859,000

Recent Accounting Pronounceme_4

Recent Accounting Pronouncements - Impact of adopting ASC 326 (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Oct. 01, 2023	Sep. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				$ 16,458	$ 16,080	$ 15,360
Liabilities
Allowance for credit losses on off balance sheet credit exposures	$ 1,623		$ 0
Residential real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				3,537	3,100	2,716
Commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				1,783	1,751	1,590
Single tenant net lease
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				3,726	3,804	3,838
SBA commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				2,607	2,398	2,578
Multifamily
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				326	252	251
Residential construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				246	367	305
Commercial construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				83	83	107
Land and land development
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				198	200	212
Commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				1,322	1,255	1,193
SBA commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				2,088	2,338	2,122
Consumer
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				$ 542	$ 532	$ 448
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		$ 18,329
Net deferred tax assets		19,817
Liabilities
Allowance for credit losses on off balance sheet credit exposures		1,940
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Residential real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		5,678
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		2,032
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Single tenant net lease
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		4,032
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | SBA commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		2,433
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Multifamily
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		247
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Residential construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		208
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Commercial construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		325
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Land and land development
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		233
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		1,219
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | SBA commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		1,407
Accounting Standards Update 2022-02 (ASC 326) | As Reported under ASC 326 | Consumer
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		515
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		16,900
Net deferred tax assets		18,859
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Residential real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		4,641
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		1,777
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Single tenant net lease
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		3,810
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | SBA commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		1,922
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Multifamily
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		268
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Residential construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		434
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Commercial construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		282
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Land and land development
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		307
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		1,714
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | SBA commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		1,247
Accounting Standards Update 2022-02 (ASC 326) | Pre-ASC 326 | Consumer
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		498
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		1,429
Net deferred tax assets		859
Liabilities
Allowance for credit losses on off balance sheet credit exposures		1,940
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Residential real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		1,037
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		255
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Single tenant net lease
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		222
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | SBA commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		511
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Multifamily
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		(21)
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Residential construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		(226)
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Commercial construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		43
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Land and land development
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		(74)
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		(495)
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | SBA commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		160
Accounting Standards Update 2022-02 (ASC 326) | Impact of ASC 326 Adoption | Consumer
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans		$ 17

Segment Reporting (Details)

Segment Reporting (Details)	3 Months Ended		6 Months Ended
	Mar. 31, 2024 USD ($)	Mar. 31, 2023 USD ($)	Mar. 31, 2024 USD ($) segment	Mar. 31, 2023 USD ($)	Sep. 30, 2023 USD ($)
SEGMENT REPORTING
Number of operating segments | segment			3
Net interest income	$ 14,338,000	$ 14,912,000	$ 28,451,000	$ 31,173,000
Provision (credit) for credit losses - loans	713,000	372,000	1,183,000	1,356,000
Credit for unfunded lending commitments	(259,000)	0	(317,000)	0
Provision for credit losses - securities	23,000		23,000
Net interest income after provision	13,861,000	14,540,000	27,562,000	29,817,000
Net gains on sales of loans, SBA	951,000	907,000	1,785,000	1,682,000
Mortgage banking income (loss)	53,000	4,149,000	142,000	6,645,000
Noninterest income	3,710,000	7,516,000	6,492,000	12,704,000
Noninterest expense	11,778,000	17,999,000	27,817,000	35,510,000
Income (loss) before taxes	5,793,000	4,057,000	6,237,000	7,011,000
Income tax expense (benefit)	866,000	333,000	390,000	416,000
Segment profit (loss)	4,927,000	3,724,000	5,847,000	6,595,000
Non-cash items:
Depreciation and amortization	593,000	572,000	1,201,000	1,262,000
Segment assets	2,364,983,000	2,239,606,000	2,364,983,000	2,239,606,000	$ 2,288,854,000
Core Banking
SEGMENT REPORTING
Net interest income	13,469,000	13,632,000	26,579,000	28,640,000
Provision (credit) for credit losses - loans	762,000	422,000	781,000	1,123,000
Credit for unfunded lending commitments	(113,000)		(180,000)
Provision for credit losses - securities	23,000		23,000
Net interest income after provision	12,797,000	13,210,000	25,955,000	27,517,000
Mortgage banking income (loss)	53,000	2,000	142,000	(8,000)
Noninterest income	2,537,000	1,733,000	4,316,000	3,661,000
Noninterest expense	10,093,000	10,651,000	23,986,000	20,448,000
Income (loss) before taxes	5,241,000	4,292,000	6,285,000	10,730,000
Income tax expense (benefit)	729,000	401,000	384,000	1,347,000
Segment profit (loss)	4,512,000	3,891,000	5,901,000	9,383,000
Non-cash items:
Depreciation and amortization	592,000	541,000	1,198,000	1,199,000
Segment assets	2,279,791,000	2,051,149,000	2,279,791,000	2,051,149,000
SBA Lending
SEGMENT REPORTING
Net interest income	869,000	1,093,000	1,872,000	2,088,000
Provision (credit) for credit losses - loans	(49,000)	(50,000)	402,000	233,000
Credit for unfunded lending commitments	(146,000)		(137,000)
Net interest income after provision	1,064,000	1,143,000	1,607,000	1,855,000
Net gains on sales of loans, SBA	951,000	907,000	1,785,000	1,682,000
Noninterest income	1,173,000	1,636,000	2,176,000	2,390,000
Noninterest expense	1,685,000	2,662,000	3,831,000	4,586,000
Income (loss) before taxes	552,000	117,000	(48,000)	(341,000)
Income tax expense (benefit)	137,000	20,000	6,000	(87,000)
Segment profit (loss)	415,000	97,000	(54,000)	(254,000)
Non-cash items:
Depreciation and amortization	1,000	6,000	3,000	11,000
Segment assets	$ 85,192,000	83,506,000	$ 85,192,000	83,506,000
Mortgage Banking
SEGMENT REPORTING
Net interest income		187,000		445,000
Net interest income after provision		187,000		445,000
Mortgage banking income (loss)		4,147,000		6,653,000
Noninterest income		4,147,000		6,653,000
Noninterest expense		4,686,000		10,476,000
Income (loss) before taxes		(352,000)		(3,378,000)
Income tax expense (benefit)		(88,000)		(844,000)
Segment profit (loss)		(264,000)		(2,534,000)
Non-cash items:
Depreciation and amortization		25,000		52,000
Segment assets		$ 104,951,000		$ 104,951,000

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Revenue from Contracts with Customers
Revenue from contracts with customers	$ 1,223	$ 1,281	$ 2,392	$ 2,731
Net unrealized gain on equity securities	6	21	44	35
Gain on sale of SBA loans	951	907	1,785	1,682
Mortgage banking income	53	4,149	142	6,645
Increase in cash value of life insurance	333	266	662	491
Real estate lease income	115	117	230	234
Loan servicing and other income	1,029	775	1,237	886
Other noninterest income	2,487	6,235	4,100	9,973
Total noninterest income	3,710	7,516	6,492	12,704
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenue from contracts with customers	387	471	860	1,029
ATM and interchange fees
Revenue from Contracts with Customers
Revenue from contracts with customers	585	586	1,034	1,325
Commission income
Revenue from Contracts with Customers
Revenue from contracts with customers	220	189	442	317
Other
Revenue from Contracts with Customers
Revenue from contracts with customers	$ 31	$ 35	$ 56	$ 60

Mortgage Banking Income (Detail

Mortgage Banking Income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Mortgage Banking Income
Origination and sale of mortgage loans (1)	$ (991)	$ 1,885	$ (1,202)	$ 2,617
Mortgage brokerage income	1	167	31	210
Net change in fair value of loans held for sale and interest rate lock commitments	993	1,268	(304)	2,535
Realized and unrealized gains (losses) from Forward sales commitments		(431)	354	(976)
Capitalized residential mortgage loan servicing rights		296	509	438
Net change in fair value of residential mortgage loan servicing rights	(6)	(1,267)	(809)	(2,507)
Provisions for loan repurchases and indemnifications	(37)	(161)	19	(489)
Net loan servicing income	93	2,392	1,544	4,817
Total mortgage banking income	$ 53	$ 4,149	$ 142	$ 6,645

Insider Trading Arrangements

Insider Trading Arrangements	6 Months Ended
	Mar. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false