First Savings Financial (FSFG) 10-Q9 Aug 242024 Q3 Quarterly reportFinancial data

Company Profile

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
Document And Entity Information - shares	Jun. 30, 2024	Aug. 02, 2024
Document And Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 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		6,883,656
Entity Central Index Key	0001435508
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
ASSETS
Cash and due from banks	$ 20,414	$ 18,014
Interest-bearing deposits with banks	22,009	12,831
Total cash and cash equivalents	42,423	30,845
Interest-bearing time deposits	490	490
Debt securities available for sale, at fair value, net of allowance for credit losses of $107 at June 30, 2024	237,651	227,739
Debt securities held to maturity	1,134	1,300
Loans held for sale, residential mortgage, at fair value	3,077	24,692
Loans held for sale, residential home equity lines of credit	108,795
Loans held for sale, Small Business Administration	13,987	21,163
Loans, net of allowance for credit losses of $19,789 at June 30, 2024 and $16,900 at September 30, 2023	1,826,980	1,770,243
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	24,986	24,939
Premises and equipment, net	26,715	27,861
Other real estate owned, held for sale	647	677
Accrued interest receivable:
Loans	9,380	7,809
Securities	2,634	2,352
Cash surrender value of life insurance	47,242	46,226
Goodwill	9,848	9,848
Core deposit intangibles	438	561
Residential mortgage loan servicing rights, at fair value		59,768
Nonresidential mortgage loan servicing rights	72	101
SBA loan servicing rights	2,788	2,950
Other assets	34,204	29,290
Total Assets	2,393,491	2,288,854
Deposits:
Noninterest-bearing	201,854	242,237
Interest-bearing	1,510,294	1,439,557
Total deposits	1,712,148	1,681,794
Federal Home Loan Bank borrowings	425,000	363,183
Other borrowings	48,563	48,444
Accrued interest payable	8,882	8,926
Advance payments by borrowers for taxes and insurance	592	1,027
Reserve for unfunded lending commitments	1,781	0
Accrued expenses and other liabilities	28,525	34,499
Total Liabilities	2,225,491	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 7,800,101 shares at June 30, 2024 (7,778,471 at September 30, 2023); outstanding 6,883,656 shares at June 30, 2024 (6,867,121 shares at September 30, 2023)	78	78
Additional paid-in capital	27,514	26,986
Retained earnings - substantially restricted	170,688	166,306
Accumulated other comprehensive loss	(17,415)	(29,587)
Unearned stock compensation	(999)	(1,015)
Less treasury stock, at cost - 916,445 shares (911,350 shares at September 30, 2023)	(11,866)	(11,787)
Total Stockholders' Equity	168,000	150,981
Total Liabilities and Stockholders' Equity	$ 2,393,491	$ 2,288,854

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited)
Allowance for Credit Losses	$ 107
Loans, net of allowance for loan losses	$ 19,789	$ 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	7,800,101	7,778,471
Common stock, shares outstanding	6,883,656	6,867,121
Treasury stock, shares	916,445	911,350

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
INTEREST INCOME
Loans, including fees	$ 28,018,000	$ 23,184,000	$ 81,094,000	$ 64,666,000
Securities:
Taxable	918,000	984,000	2,784,000	2,896,000
Tax-exempt	1,315,000	1,940,000	3,961,000	5,920,000
Dividend income	519,000	423,000	1,092,000	1,007,000
Interest-bearing deposits with banks	324,000	267,000	834,000	603,000
Total interest income	31,094,000	26,798,000	89,765,000	75,092,000
INTEREST EXPENSE
Deposits	12,740,000	7,791,000	35,276,000	18,214,000
Federal Home Loan Bank borrowings	3,021,000	3,446,000	9,088,000	8,280,000
Other borrowings	799,000	696,000	2,416,000	2,560,000
Total interest expense	16,560,000	11,933,000	46,780,000	29,054,000
Net interest income	14,534,000	14,865,000	42,985,000	46,038,000
Provision for credit losses - loans	501,000	441,000	1,684,000	1,797,000
Provision (credit) for unfunded lending commitments	158,000	0	(159,000)	0
Provision for credit losses - securities	84,000		107,000
Net interest income after provision for credit losses	13,791,000	14,424,000	41,353,000	44,241,000
NONINTEREST INCOME
Service charges on deposit accounts	538,000	509,000	1,398,000	1,538,000
ATM and interchange fees	593,000	615,000	1,627,000	1,940,000
Net loss on sales of available for sale securities		(540,000)		(540,000)
Net unrealized gain on equity securities	419,000	11,000	463,000	46,000
Other than temporary impairment loss on securities				(28,000)
Net gain on sales of loans, Small Business Administration	581,000	497,000	2,366,000	2,179,000
Mortgage banking income	49,000	4,668,000	191,000	11,313,000
Increase in cash surrender value of life insurance	353,000	279,000	1,015,000	770,000
Commission income	220,000	247,000	662,000	564,000
Real estate lease income	154,000	119,000	384,000	353,000
Net gain on premises and equipment			120,000	29,000
Gain from repurchase of subordinated debt		660,000		660,000
Other income	289,000	131,000	1,462,000	1,076,000
Total noninterest income	3,196,000	7,196,000	9,688,000	19,900,000
NONINTEREST EXPENSE
Compensation and benefits	7,480,000	11,138,000	24,732,000	32,230,000
Occupancy and equipment	1,624,000	2,277,000	5,338,000	6,057,000
Data processing	685,000	1,020,000	1,994,000	2,780,000
Advertising	265,000	536,000	795,000	1,473,000
Professional fees	575,000	1,360,000	2,155,000	2,931,000
FDIC insurance premiums	601,000	488,000	1,715,000	1,165,000
Net loss on other real estate owned	2,000		10,000
Other operating expenses	1,199,000	2,146,000	3,509,000	7,839,000
Total noninterest expense	12,431,000	18,965,000	40,248,000	54,475,000
Net income before income taxes	4,556,000	2,655,000	10,793,000	9,666,000
Income tax expense	483,000	331,000	873,000	747,000
Net Income	$ 4,073,000	$ 2,324,000	$ 9,920,000	$ 8,919,000
Net income per share:
Basic (in dollars per share)	$ 0.60	$ 0.34	$ 1.45	$ 1.30
Diluted (in dollars per share)	$ 0.60	$ 0.34	$ 1.45	$ 1.29
Weighted average shares outstanding:
Basic (in shares)	6,832,452	6,816,608	6,829,490	6,858,739
Diluted (in shares)	6,834,784	6,819,748	6,851,145	6,893,766
Dividends per share	$ 0.15	$ 0.14	$ 0.44	$ 0.41

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Unaudited)
Net income	$ 4,073	$ 2,324	$ 9,920	$ 8,919
Unrealized gains (losses) on securities available for sale:
Unrealized holding gains (losses) arising during the period	(393)	(4,819)	15,333	11,458
Income tax (expense) benefit	59	1,026	(3,242)	(2,393)
Net of tax amount	(334)	(3,793)	12,091	9,065
Less: reclassification adjustment for provision for credit losses on securities included in net income	84		107
Income tax expense	(21)		(26)
Net of tax amount	63		81
Less: reclassification adjustment for realized losses included in net income		540		540
Income tax benefit		(113)		(113)
Net of tax amount		427		427
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)	(271)	(3,366)	12,172	9,514
Comprehensive Income (Loss)	$ 3,802	$ (1,042)	$ 22,092	$ 18,433

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							8,919									8,919
Other comprehensive income (loss)									9,514							9,514
Common stock dividends							(2,831)									(2,831)
Restricted stock grants				495							(495)
Restricted stock forfeitures				(53)							53
Stock compensation expense				228							298					526
Purchase of treasury shares													(2,625)			(2,625)
Balances at Jun. 30, 2023		78		27,440			168,015		(17,565)		(1,113)		(11,787)			165,068
Balances at Mar. 31, 2023		78		27,365			166,652		(14,199)		(1,211)		(11,787)			166,898
Net income							2,324									2,324
Other comprehensive income (loss)									(3,366)							(3,366)
Common stock dividends							(961)									(961)
Stock compensation expense				75							98					173
Balances at Jun. 30, 2023		78		27,440			168,015		(17,565)		(1,113)		(11,787)			165,068
Balances at Sep. 30, 2023		78		26,986			166,306		(29,587)		(1,015)		(11,787)			150,981
Net income							9,920									9,920
Other comprehensive income (loss)									12,172							12,172
Common stock dividends							(3,028)									(3,028)
Restricted stock grants				294							(294)
Restricted stock forfeitures				(18)							18
Stock compensation expense				231							292					523
Stock option exercises				39												39
Purchase of treasury shares													(79)			(79)
Distribution to Q2 minority interest				(18)												(18)
Balances at Jun. 30, 2024	$ 78	78	$ 26,986	27,514	$ (2,510)	$ 163,796	170,688	$ (29,587)	(17,415)	$ (1,015)	(999)	$ (11,787)	(11,866)	$ (2,510)	$ 148,471	168,000
Balances at Mar. 31, 2024		78		27,397			167,648		(17,144)		(1,096)		(11,827)			165,056
Net income							4,073									4,073
Other comprehensive income (loss)									(271)							(271)
Common stock dividends							(1,033)									(1,033)
Stock compensation expense				78							97					175
Stock option exercises				39												39
Purchase of treasury shares													(39)			(39)
Balances at Jun. 30, 2024	$ 78	$ 78	$ 26,986	$ 27,514	$ (2,510)	$ 163,796	$ 170,688	$ (29,587)	$ (17,415)	$ (1,015)	$ (999)	$ (11,787)	$ (11,866)	$ (2,510)	$ 148,471	$ 168,000

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited) (Parenthetical) - $ / shares	3 Months Ended	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Jun. 30, 2023
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited)
Common stock dividends - per share	$ 0.15	$ 0.44	$ 0.41
Restricted stock grants - shares		19,475	22,000
Restricted stock forfeitures - shares		800	2,000
Stock option exercises - shares	2,955	2,955
Purchase of treasury shares	2,459	5,095	124,710

CONDENSED CONSOLIDATED STATEM_5

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 9,920,000	$ 8,919,000
Adjustments to reconcile net income to net cash provided by (used in )
Provision for credit losses - loans	1,684,000	1,797,000
Credit for unfunded lending commitments	(159,000)	0
Provision for credit losses - securities	107,000
Depreciation and amortization	1,791,000	1,907,000
Amortization of premiums and accretion of discounts on securities, net	212,000	510,000
Amortization and accretion of fair value adjustments on loans, net	(915,000)	(1,285,000)
Loans originated for sale, residential mortgage	(62,577,000)	(392,217,000)
Loans originated for sale, Small Business Administration	(28,677,000)	(24,851,000)
Proceeds on sales of loans, residential mortgage	82,350,000	382,694,000
Proceeds on sales of loans, Small Business Administration	38,496,000	35,910,000
Net realized (gain) loss on sale of residential mortgage loans	1,307,000	(1,387,000)
Net realized gain on sale of SBA loans	(2,366,000)	(2,179,000)
Capitalization of loan servicing rights	(1,199,000)	(1,808,000)
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	3,816,000
Net change in value of SBA and nonresidential mortgage loan servicing rights	881,000	1,047,000
Net loss on sales of available for sale securities		540,000
Net losses from sale and write-down of other real estate owned	5,000
Other than temporary impairment loss on securities		28,000
Increase in cash surrender value of life insurance	(1,015,000)	(770,000)
Net unrealized gain on equity securities	(463,000)	(46,000)
Deferred income taxes	(15,618,000)	(2,590,000)
Stock compensation expense	523,000	526,000
Net gain on premises and equipment	(120,000)	(29,000)
Gain from repurchase of subordinated debt		(660,000)
Increase in accrued interest receivable	(1,853,000)	(2,129,000)
Increase (decrease) in accrued interest payable	(44,000)	4,480,000
Change in other assets	1,656,000	(5,447,000)
Change in other liabilities	5,786,000	7,204,000
Net Cash Provided by Operating Activities	89,979,000	13,980,000
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits		(490,000)
Proceeds from maturities of interest-bearing time deposits		1,115,000
Purchase of securities available for sale	(817,000)	(11,664,000)
Proceeds from sales of securities available for sale	0	78,003,000
Proceeds from maturities, calls and paydowns of securities available for sale	6,005,000	12,741,000
Proceeds from maturities, calls and paydowns of securities held to maturity	166,000	159,000
Net increase in loans	(167,576,000)	(217,981,000)
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)	(4,950,000)
Proceeds from sale of other real estate	35,000
Proceeds from sale of premises and equipment	150,000	77,000
Purchase of premises and equipment	(433,000)	(2,601,000)
Investment in partnership interests	(4,534,000)	(4,107,000)
Distribution to Q2 minority interests	(18,000)
Net Cash Used In Investing Activities	(167,069,000)	(149,683,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	30,354,000	143,931,000
Net decrease in Federal Home Loan Bank line of credit	(8,183,000)	(12,303,000)
Proceeds from Federal Home Loan Bank advances	1,800,000,000	7,155,000,000
Repayment of Federal Home Loan Bank advances	(1,730,000,000)	(7,105,000,000)
Repurchase of subordinated debt		(1,340,000)
Net decrease in other borrowings		(37,989,000)
Net decrease in advance payments by borrowers for taxes and insurance	(435,000)	(300,000)
Proceeds from exercise of stock options	39,000
Taxes paid on stock award shares for employees		(30,000)
Purchase of treasury shares	(79,000)	(2,625,000)
Dividends paid on common stock	(3,028,000)	(2,831,000)
Net Cash Provided By Financing Activities	88,668,000	136,513,000
Net Increase in Cash and Cash Equivalents	11,578,000	810,000
Cash and cash equivalents at beginning of period	30,845,000	41,665,000
Cash and Cash Equivalents at End of Period	42,423,000	42,475,000
Supplemental Disclosures of Cash Flow Information:
Interest	46,824,000	24,574,000
Income taxes (net of refunds received)	6,915,000	$ 57,000
Loans transferred from held for investment to held for sale	$ 108,795,000

Presentation of Interim Informa

Presentation of Interim Information	9 Months Ended
Presentation of Interim Information	Jun. 30, 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 June 30, 2024, the results of operations for the three- and nine-month periods ended June 30, 2024 and 2023, and the cash flows for the nine-month periods ended June 30, 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 Credit Losses – 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 $1.8 million as of June 30, 2024. There was no ACL on unfunded commitments at September 30, 2023. The Company recorded a provision for credit losses on unfunded commitments of $158,000 for the three-month period ended June 30, 2024. The company recorded a credit for credit losses on unfunded commitments of $159,000 for the nine-months period ended June 30, 2024. There was no provision for credit losses on unfunded commitments for the three- and nine-month periods ended June 30, 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	9 Months Ended
Investment Securities	Jun. 30, 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 as either available for sale or held to maturity 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 $84,000 and $107,000 of reserves on investment securities for the three-and nine-month periods ended June 30, 2024. The Company recorded no reserves on investment securities for the three- and nine-month periods ended June 30, 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 $1.1 million at June 30, 2024. There were no HTM securities on nonaccrual status or past due as of June 30, 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) June 30, 2024: Debt securities available for sale: U.S. Treasury notes $ 30,299 $ — $ 3,849 $ — $ 26,450 Agency mortgage-backed 27,190 — 3,385 — 23,805 Agency CMO 13,402 — 1,089 — 12,313 Privately-issued CMO 281 2 2 23 258 Privately-issued ABS 344 11 1 — 354 SBA certificates 11,224 — 424 — 10,800 Municipal bonds 175,048 311 13,483 — 161,876 Other 2,000 — 121 84 1,795 Total debt securities available for sale $ 259,788 $ 324 $ 22,354 $ 107 $ 237,651 Debt securities held to maturity: Agency mortgage-backed $ 31 $ — $ — $ — $ 31 Municipal bonds 1,103 9 — — 1,112 Total debt securities held to maturity $ 1,134 $ 9 $ — $ — $ 1,143 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 June 30, 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 $ 4,018 $ 3,998 $ 254 $ 256 Due after one year through five years 8,010 7,860 571 576 Due after five years through ten years 44,368 39,827 278 280 Due after ten years 150,951 138,436 — — Agency mortgage-backed 27,190 23,805 31 31 Agency CMO 13,402 12,313 — — Privately-issued CMO 281 258 — — Privately-issued ABS 344 354 — — SBA certificates 11,224 10,800 — — $ 259,788 $ 237,651 $ 1,134 $ 1,143 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) June 30, 2024: Debt securities available for sale: Continuous loss position less than twelve months: U.S. Treasury notes 4 $ 1,225 $ 17 Municipal bonds 23 24,332 239 Total less than twelve months 27 25,557 256 Continuous loss position more than twelve months: U.S. Treasury notes 1 25,225 3,832 Agency mortgage-backed 15 23,530 3,385 Agency CMO 15 12,312 1,089 Privately-issued CMO 1 239 2 Privately-issued ABS 1 147 1 SBA certificates 3 10,800 424 Municipal bonds 116 106,450 13,244 Other 1 1,879 121 Total more than twelve months 153 180,582 22,098 Total debt securities available for sale 180 $ 206,139 $ 22,354 At June 30, 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 June 30, 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 87% of total debt securities available for sale at June 30, 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 June 30, 2024, the Company held four privately-issued CMO and ABS securities, acquired in a 2009 bank merger, with an aggregate amortized cost of $337,000 and fair value of $316,000 that have been downgraded to a substandard regulatory classification due to the securities credit quality rating by various rating agencies. At June 30, 2024, one privately-issued CMO security and one privately-issued ABS were in a loss position, and had depreciated approximately 6.1% from the Company’s carrying value and were collateralized by residential mortgage loans. These securities had a total fair value of $387,000 and a total unrealized loss of $25,000 at June 30, 2024. Based on the independent third party analysis of the expected cash flows, one security had a credit loss totaling $84,000 that was recorded through provision for credit losses on securities during the three-month period ended June 30, 2024. A total of three securities had credit losses totaling $107,000 for the nine-month period ended June 30, 2024. An other-than temporary impairment charge of $28,000 was recognized in the nine months ended June 30, 2023, which was prior to the Company’s adoption of CECL. No other-than temporary impairment was recognized during the three-month period ended June 30, 2023. While the Company does not anticipate additional credit-related impairment losses at June 30, 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 at maturity, the Company has not recorded an allowance for credit losses at June 30, 2024. During the three-and nine-month periods ended June 30, 2024, there were no sales of debt securities available for sale. During the three and nine-month periods ended June 30, 2023, the Company recognized $341,000 of gross gains and $881,000 of gross losses on sales of available for sale securities. At June 30, 2024 and September 30, 2023, available for sale debt securities with a total fair value of $52.7 million and $52.9 million, respectively, were pledged to secure FHLB borrowings. At June 30, 2024, available for sale debt securities with a total fair value of $61.3 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 tables provide 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 nine-month periods ended June 30, 2024. Allowance for Credit Losses Private Label CMO Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) Allowance for credit losses Beginning of period $ 23 $ — $ — $ — Provision for credit loss expense — — 24 — Reductions due to increases in expected cash flows — — (1) — Recoveries — — — — Balance, end of period $ 23 $ — $ 23 $ — Allowance for Credit Losses Other Investments Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (in thousands) Allowance for credit losses Beginning of period $ — $ — $ — $ — Provision for credit loss expense 84 — 84 — Reductions due to increases in expected cash flows — — — — Recoveries — — — — Balance, end of period $ 84 $ — $ 84 $ —

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	9 Months Ended
Loans and Allowance for Credit Losses	Jun. 30, 2024
Loans and Allowance for Credit Losses
Loans and Allowance for Credit Losses	3. Loans and Allowance for Credit Losses Loans at June 30, 2024 and September 30, 2023 consisted of the following: June 30, September 30, 2024 2023 (In thousands) Real estate mortgage: Residential $ 536,127 $ 528,410 Commercial 185,654 187,232 Single tenant net lease 749,527 757,388 SBA commercial (1) 51,895 47,078 Multifamily 41,561 34,892 Residential construction 51,037 24,924 Commercial construction 20,271 14,588 Land and land development 16,406 17,234 Commercial business 134,469 117,594 SBA commercial business (1) 18,853 16,939 Consumer 40,170 39,915 Total loans 1,845,970 1,786,194 Deferred loan origination fees and costs, net 799 949 Allowance for credit losses (19,789) (16,900) Loans, net $ 1,826,980 $ 1,770,243 (1) Includes discounts on SBA loans of $3.3 million for June 30, 2024 and September 30, 2023. The Company transferred $108.8 million in residential first lien home equity loans from loans held for investment to loans held for sale during the nine-month period ended June 30, 2024. Other than the loans held for investment transfer to loans held for sale, during the nine-month period ended June 30, 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 June 30, 2024 and September 30, 2023, the Company owned $444,000 of residential real estate where physical possession has been obtained. At June 30, 2024 and September 30, 2023, the recorded investment in consumer mortgage loans collateralized by residential real estate properties in the process of foreclosure was $509,000 and $539,000, respectively. 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 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 June 30, 2024 and 2023: Beginning Balance Provisions (Credits) Charge-Offs Recoveries Ending Balance June 30, 2024: (In thousands) Residential real estate $ 6,381 $ 150 $ (35) $ 59 $ 6,555 Commercial real estate 1,645 (33) — — 1,612 Single tenant net lease 3,764 109 — — 3,873 SBA commercial real estate 2,872 254 (37) — 3,089 Multifamily 410 (48) — — 362 Residential construction 351 19 — — 370 Commercial construction 431 (61) — — 370 Land and land development 174 (1) — — 173 Commercial business 1,484 192 (8) — 1,668 SBA commercial business 1,434 (209) (24) 11 1,212 Consumer 446 129 (95) 25 505 $ 19,392 $ 501 $ (199) $ 95 $ 19,789 June 30, 2023: Residential real estate $ 3,537 $ 603 $ (8) $ — $ 4,132 Commercial real estate 1,783 — — — 1,783 Single tenant net lease 3,726 (3) — — 3,723 SBA commercial real estate 2,607 (263) (39) 3 2,308 Multifamily 326 (61) — — 265 Residential construction 246 81 — — 327 Commercial construction 83 123 — — 206 Land and land development 198 3 — — 201 Commercial business 1,322 162 — 9 1,493 SBA commercial business 2,088 (177) — 11 1,922 Consumer 542 (27) (46) 9 478 $ 16,458 $ 441 $ (93) $ 32 $ 16,838 The following table presents the activity in the allowance for credit losses by portfolio segment for the nine months ended June 30, 2024 and 2023: Beginning Balance Adoption of ASC 326 Provisions (Credits) Charge-Offs Recoveries Ending Balance (In thousands) June 30, 2024: Residential real estate $ 4,641 $ 1,037 $ 845 $ (35) $ 67 $ 6,555 Commercial real estate 1,777 255 (420) — — 1,612 Single tenant net lease 3,810 222 (159) — — 3,873 SBA commercial real estate 1,922 511 633 (39) 62 3,089 Multifamily 268 (21) 115 — — 362 Residential construction 434 (226) 162 — — 370 Commercial construction 282 43 45 — — 370 Land and land development 307 (74) (60) — — 173 Commercial business 1,714 (495) 483 (34) — 1,668 SBA commercial business 1,247 160 (186) (48) 39 1,212 Consumer 498 17 226 (305) 69 505 $ 16,900 $ 1,429 $ 1,684 $ (461) $ 237 $ 19,789 June 30, 2023: Residential real estate $ 2,716 $ — $ 1,409 $ (8) $ 15 $ 4,132 Commercial real estate 1,590 — 193 — — 1,783 Single tenant net lease 3,838 — (115) — — 3,723 SBA commercial real estate 2,578 — (157) (116) 3 2,308 Multifamily 251 — 14 — — 265 Residential construction 305 — 22 — — 327 Commercial construction 107 — 99 — — 206 Land and land development 212 — (11) — — 201 Commercial business 1,193 — 231 — 69 1,493 SBA commercial business 2,122 — (49) (190) 39 1,922 Consumer 448 — 161 (167) 36 478 $ 15,360 $ — $ 1,797 $ (481) $ 162 $ 16,838 The following table presents the average balance of impaired loans individually evaluated for impairment as of June 30, 2023, prior to the Company’s adoption of ASU 2016-13 and interest income recognized on impaired loans for the three- and nine-month periods ended June 30, 2023. The Company did not recognize any interest income on impaired loans using the cash receipts method during the three- and nine-month periods ended June 30, 2023. Three Months Ended June 30, Nine Months Ended June 30, 2023 2023 Average Interest Average Interest Recorded Income Recorded Income Balance Recognized Balance Recognized Loans with no related allowance recorded: Residential real estate $ 3,306 $ 16 $ 3,070 $ 46 Commercial real estate 969 8 970 21 Single tenant net lease — — — — SBA commercial real estate 8,427 — 8,189 — Multifamily 375 4 384 14 Residential construction — — — — Commercial construction — — — — Land and land development — — — — Commercial business 815 11 947 35 SBA commercial business 1,070 — 986 — Consumer 54 — 65 — $ 15,016 $ 39 $ 14,611 $ 116 Loans with an allowance recorded: Residential real estate $ 250 $ — $ 125 $ — Commercial real estate — — — — Single tenant net lease — — — — SBA commercial real estate 1,201 — 1,433 — Multifamily — — — — Residential construction — — — — Commercial construction — — — — Land and land development — — — — Commercial business 135 — 101 — SBA commercial business 1,138 — 1,202 — Consumer 196 — 190 — $ 2,920 $ — $ 3,051 $ — Total: Residential real estate $ 3,556 $ 16 $ 3,195 $ 46 Commercial real estate 969 8 970 21 Single tenant net lease — — — — SBA commercial real estate 9,628 — 9,622 — Multifamily 375 4 384 14 Residential construction — — — — Commercial construction — — — — Land and land development — — — — Commercial business 950 11 1,048 35 SBA commercial business 2,208 — 2,188 — Consumer 250 — 255 — $ 17,936 $ 39 $ 17,662 $ 116 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 June 30, 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 nine - month periods ended June 30, 2024. At June 30, 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 $ 4,047 $ 2,568 $ — $ 2,426 $ — Commercial real estate 622 496 — 511 — Single tenant net lease — — — — — SBA commercial real estate 8,564 6,763 — 7,415 — Multifamily 276 276 — 318 — Residential construction — — — — — Commercial construction — — — — — Land and land development — — — — — Commercial business 1,464 1,300 — 1,946 — SBA commercial business 1,751 1,290 — 1,099 — Consumer 30 30 — 233 — Total $ 16,754 $ 12,723 $ — $ 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: June 30, 2024 Real Estate Other Total (In thousands) Residential real estate $ 4,047 $ — $ 4,047 Commercial real estate 622 — 622 SBA commercial real estate 8,564 — 8,564 Multifamily 276 — 276 Commercial business — 1,464 1,464 SBA commercial business — 1,751 1,751 Consumer — 30 30 $ 13,509 $ 3,245 $ 16,754 The following table presents the aging of past due loans at June 30, 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 $ 566 $ 449 $ 2,422 $ 3,437 $ 532,690 $ 536,127 Commercial real estate 1,006 — 496 1,502 184,152 185,654 Single tenant net lease — — — — 749,527 749,527 SBA commercial real estate 79 — 4,721 4,800 47,095 51,895 Multifamily — — — — 41,561 41,561 Residential construction — — — — 51,037 51,037 Commercial construction — — — — 20,271 20,271 Land and land development 3 — — 3 16,403 16,406 Commercial business — — 37 37 134,432 134,469 SBA commercial business 19 — 473 492 18,361 18,853 Consumer 426 — 28 454 39,716 40,170 Total $ 2,099 $ 449 $ 8,177 $ 10,725 $ 1,835,245 $ 1,845,970 The following table presents the aging of past due loans at September 30, 2023: 30-59 Days 60-89 Days 90+ Days Total Total Past Due Past Due Past Due Past Due Current Loans (In thousands) Residential real estate $ 2,715 $ 132 $ 1,818 $ 4,665 $ 523,745 $ 528,410 Commercial real estate 23 62 — 85 187,147 187,232 Single tenant net lease — — — — 757,388 757,388 SBA commercial real estate 764 — 3,877 4,641 42,437 47,078 Multifamily — — — — 34,892 34,892 Residential construction — — — — 24,924 24,924 Commercial construction — — — — 14,588 14,588 Land and land development 40 — — 40 17,194 17,234 Commercial business 112 — 86 198 117,396 117,594 SBA commercial business 130 — 682 812 16,127 16,939 Consumer 137 5 36 178 39,737 39,915 Total $ 3,921 $ 199 $ 6,499 $ 10,619 $ 1,775,575 $ 1,786,194 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 June 30, 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 $ 58,322 $ 37,531 $ 46,218 $ 19,153 $ 11,474 $ 55,790 $ 304,556 $ — $ 533,044 Special mention — — — — — — — — — Substandard 443 767 278 273 — 507 797 — 3,065 Doubtful — — — — — 18 — — 18 Loss — — — — — — — — — Total residential real estate 58,765 38,298 46,496 19,426 11,474 56,315 305,353 — 536,127 YTD gross charge-offs — — — 1 — 6 28 — 35 Commercial real estate Pass 13,155 28,061 62,595 22,099 7,888 51,041 — — $ 184,839 Special mention — — — — — — — — — Substandard — 622 — — 22 171 — — 815 Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial real estate 13,155 28,683 62,595 22,099 7,910 51,212 — — 185,654 YTD gross charge-offs — — — — — — — — — Single tenant net lease commercial real estate Pass 24,129 149,782 275,648 71,766 100,282 127,920 — — 749,527 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total single tenant net lease 24,129 149,782 275,648 71,766 100,282 127,920 — — 749,527 YTD gross charge-offs — — — — — — — — — SBA commercial real estate Pass 3,785 8,769 8,913 6,821 7,168 6,405 43 — 41,904 Special mention — — — — — — — — — Substandard — — 162 143 1,766 6,296 — — 8,367 Doubtful — — — — — 1,624 — — 1,624 Loss — — — — — — — — — Total SBA commercial real estate 3,785 8,769 9,075 6,964 8,934 14,325 43 — 51,895 YTD gross charge-offs — — — — 11 28 — — 39 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 5,177 2,585 11,490 5,464 11,247 5,322 — — 41,285 Special mention — — — — — — — — — Substandard — — — — — 276 — — 276 Doubtful — — — — — — — — — Loss — — — — — — — — — Total multifamily real estate 5,177 2,585 11,490 5,464 11,247 5,598 — — 41,561 YTD gross charge-offs — — — — — — — — — Residential construction Pass 8,495 28,250 14,292 — — — — — 51,037 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total residential construction 8,495 28,250 14,292 — — — — — 51,037 YTD gross charge-offs — — — — — — — — — Commercial construction Pass 68 15,960 4,243 — — — — — 20,271 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial construction 68 15,960 4,243 — — — — — 20,271 YTD gross charge-offs — — — — — — — — — Land and land development Pass 696 8,080 5,206 982 383 1,059 — — 16,406 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total land and land development 696 8,080 5,206 982 383 1,059 — — 16,406 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 38,268 51,632 25,228 11,249 788 5,797 — — 132,962 Special mention — — — — — — — — — Substandard — 948 164 44 4 347 — — 1,507 Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial business 38,268 52,580 25,392 11,293 792 6,144 — — 134,469 YTD gross charge-offs — — — 32 — 2 — — 34 SBA commercial business Pass 5,016 2,568 716 1,203 3,998 3,113 384 — 16,998 Special mention — — — — — — — — — Substandard — — — 54 86 1,698 — — 1,838 Doubtful — — — — — — — — — Loss — — — — — 17 — — 17 Total SBA commercial business 5,016 2,568 716 1,257 4,084 4,828 384 — 18,853 YTD gross charge-offs — — — 5 5 38 — — 48 Consumer Pass 3,892 4,057 3,310 450 207 86 28,138 — 40,140 Special mention — — — — — — — — — Substandard — 4 — — — — 26 — 30 Doubtful — — — — — — — — — Loss — — — — — — — — — Total consumer 3,892 4,061 3,310 450 207 86 28,164 — 40,170 YTD gross charge-offs — 4 — 1 — — 300 — 305 Total loans Pass 161,003 337,275 457,859 139,187 143,435 256,533 333,121 — 1,828,413 Special mention — — — — — — — — — Substandard 443 2,341 604 514 1,878 9,295 823 — 15,898 Doubtful — — — — — 1,642 — — 1,642 Loss — — — — — 17 — — 17 Total loans 161,446 339,616 458,463 139,701 145,313 267,487 333,944 — 1,845,970 YTD gross charge-offs — 4 — 39 16 74 328 — 461 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. There were no new FDMs made or modifications of existing FDMs during the three-and nine-months ended June 30, 2024. The following table summarizes the Company’s recorded investment in TDRs at June 30, 2023, prior to adoption of ASU 2022-02. There was $101,000 of specific reserve included in the allowance for loan losses related to TDRs at June 30, 2023. Accruing Nonaccrual Total (In thousands) June 30, 2023: Residential real estate $ 1,015 $ — $ 1,015 Commercial real estate 365 524 889 SBA commercial real estate — 1,625 1,625 Multifamily 327 — 327 Commercial business 666 — 666 SBA commercial business — 230 230 Total $ 2,373 $ 2,379 $ 4,752 The following table summarizes information regarding TDRs that were restructured during the three- and nine-month periods ended June 30, 2023: Number of Pre-Modification Post-Modification Loans Principal Balance Principal Balance (Dollars in thousands) Three Months Ended June 30, 2023: Residential Real Estate 1 $ 31 $ 31 Total 1 $ 31 $ 31 Nine Months Ended June 30, 2023: Residential Real Estate 1 $ 31 $ 31 Total 1 $ 31 $ 31 At June 30, 2023, the Company had committed to lend $1,000 to customers with outstanding loans classified as TDRs. There were no principal charge-offs as a result of loans previously designated as TDRs during the three-month period ended June 30, 2023. There were principal charge-offs totaling $6,000 as a result of loans previously designated as TDRs during the nine-month period ended June 30, 2023. In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses may be increased or charge-offs may be taken to reduce the carrying amount of the loan. During the three- and nine-month periods ended June 30, 2023, 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 $209.7 million, $209.6 million and $223.2 million at June 30, 2024, September 30, 2023 and June 30, 2023, respectively. Contractually specified late fees and ancillary fees expensed on SBA loans were $2,000 for the three-months ended June 30, 2024 and a credit of $6,000 for the nine-months ended June 30, 2024. Contractually specified late fees and ancillary fees expensed on SBA loans were $35,000 and $70,000 for the three- and nine-month periods ended June 30, 2023, respectively. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans was $457,000 and $1.4 million for the three- and nine-month periods ended June 30, 2024, respectively. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans was $578,000 and $1.7 million for the three- and nine-month periods ended June 30, 2023, respectively. Net servicing income and costs related to SBA loans are included in other noninterest income in the consolidated statements of income. An analysis of SBA loan servicing rights for the three-and nine-month periods ended June 30, 2024 and 2023 is as follows: Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) Balance, beginning of period $ 2,950 $ 3,727 $ 2,950 $ 3,790 Servicing rights capitalized 156 147 691 606 Amortization (140) (237) (420) (623) Direct write-offs (178) (263) (493) (578) Change in valuation allowance — — 60 179 Balance, end of period $ 2,788 $ 3,374 $ 2,788 $ 3,374 There was no valuation allowance related to SBA loan servicing rights at June 30, 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

Deposits

Deposits	9 Months Ended
Deposits	Jun. 30, 2024
Deposits
Deposits	4. Deposits Deposits at June 30, 2024 and September 30, 2023 consisted of the following: June 30, September 30, 2024 2023 (In thousands) Noninterest-bearing demand deposits $ 201,854 $ 242,237 NOW accounts 330,347 336,446 Money market accounts 365,098 323,739 Savings accounts 155,312 170,073 Retail time deposits 260,386 170,980 Brokered & reciprocal time deposits 399,151 438,319 Total $ 1,712,148 $ 1,681,794

Supplemental Disclosure for Net

Supplemental Disclosure for Net Income Per Share	9 Months Ended
Supplemental Disclosure for Net Income Per Share	Jun. 30, 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 nine-month periods ended June 30, 2024 and 2023. Three Months Ended Nine Months Ended June 30, June 30, 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 $ 4,073 $ 2,324 $ 9,920 $ 8,919 Shares: Weighted average common shares outstanding, basic 6,832,452 6,816,608 6,829,490 6,858,739 Net income per common share, basic $ 0.60 $ 0.34 $ 1.45 $ 1.30 Diluted: Earnings: Net income attributable to First Savings Financial Group, Inc. available to common shareholders $ 4,073 $ 2,324 $ 9,920 $ 8,919 Shares: Weighted average common shares outstanding, basic 6,832,452 6,816,608 6,829,490 6,858,739 Add: Dilutive effect of outstanding options 2,332 3,140 21,655 35,027 Add: Dilutive effect of restricted stock — — — — Weighted average common shares outstanding, as adjusted 6,834,784 6,819,748 6,851,145 6,893,766 Net income per common share, diluted $ 0.60 $ 0.34 $ 1.45 $ 1.29 Nonvested restricted stock shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. Stock options for 449,797 and 340,972 shares of common stock were excluded from the calculation of diluted net income per common share for the three - and nine - month periods ended June 30, 2024, respectively, because their effect was antidilutive. Stock options for 282,489 shares of common stock were excluded from the calculation of diluted net income per common share for the three-and nine-month periods ended June 30, 2023, because their effect was antidilutive. There were no antidilutive restricted stock awards excluded from the calculation of diluted net income per share for the three-and nine-month periods ended June 30, 2024 and 2023.

Fair Value Measurements and Dis

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments	9 Months Ended
	Jun. 30, 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 June 30, 2024 and September 30, 2023. Carrying Value Level 1 Level 2 Level 3 Total (In thousands) June 30, 2024: Assets Measured – Recurring Basis: Securities available for sale: U.S. Treasury bills and notes $ 26,450 $ — $ — $ 26,450 Agency mortgage-backed — 23,805 — 23,805 Agency CMO — 12,313 — 12,313 Privately-issued CMO — 19 239 258 Privately-issued ABS — 277 77 354 SBA certificates — 10,770 30 10,800 Municipal bonds — 161,876 — 161,876 Other — — 1,795 1,795 Total securities available for sale $ 26,450 $ 209,060 $ 2,141 $ 237,651 Residential mortgage loans held for sale $ — $ 3,077 $ — $ 3,077 Equity securities (included in other assets) $ 187 $ 436 $ — $ 623 Assets Measured – Nonrecurring Basis: Collateral dependent loans: Residential real estate $ — $ — $ 1,172 $ 1,172 Commercial real estate — — 120 120 SBA commercial real estate — — 940 940 Commercial business — — 89 89 SBA commercial business — — 262 262 Total collateral dependent loans $ — $ — $ 2,583 $ 2,583 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 nine-month period ended June 30, 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 wind down of the Company’s 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 June 30, 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 nine - month periods ended June 30, 2024 and 2023: Three Months Ended Nine Months Ended June 30, June 30, (In thousands) 2024 2023 2024 2023 Beginning balance $ — $ 1,348 $ 268 $ (238) Unrealized gains (losses) recognized in earnings, net of settlements — (674) (268) 912 Ending balance $ — $ 674 $ — $ 674 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 nine - month period ended June 30, 2024 attributable to Level 3 derivative assets and liabilities held at the balance sheet date.Unrealized gains recognized in earnings for the nine - month period ended June 30, 2023 attributable to Level 3 derivative assets and liabilities held at the balance sheet date were $912,000. There were no interest rate lock commitments as of June 30, 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 June 30, 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 June 30, Average) September 30, Financial Instrument Inputs 2024 2023 Collateral dependent loans Discount from appraised value 0.0% - 35.0% (6.88%) 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 nine-month periods ended June 30, 2024, the Company recognized provisions for credit losses on individually evaluated loans of $727,000 and $1.4 million, respectively. During the three- and nine-month periods ended June 30, 2023, the Company recognized provisions for credit losses on impaired loans of $261,000 and $825,000, 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 June 30, 2024. The Company reversed impairment charges of $60,000 on SBA loan servicing rights for the nine-month period ended June 30, 2024. The Company did not record any impairment charges on SBA loan servicing rights for the three-month period ended June 30, 2023. The Company reversed impairment charges of $179,000 on SBA loan servicing rights for the nine - month period ended June 30, 2023. Nonresidential mortgage loan servicing rights represent the value associated with servicing single tenant net lease loans that have been sold. The fair value of nonresidential mortgage loan servicing rights is determined by management on a quarterly basis using a discounted cash flow model, and is classified as Level 3 in the fair value hierarchy. At June 30, 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 nine - month periods ended June 30, 2024 and 2023. During the nine-months ended June 30, 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 June 30, 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) June 30, 2024 Other investment security Estimated market rate 9.00% - 10.00% (9.25%) 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 nine-month periods ended June 30, 2024: Three Months Ended Nine Months Ended June 30, 2024 June 30, 2024 (In thousands) Beginning balance $ 1,554 $ 460 Transfers from Level 2 to Level 3 — 1,200 Change in value 587 481 Ending balance in Level 3 $ 2,141 $ 2,141 There were no available for sale investment securities transferred into or out of the Company’s Level 3 financial assets of the fair value hierarchy for the three- and nine-month periods ended June 30, 2023. 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 nine - month periods ended June 30, 2024. Financial Instruments Recorded Using Fair Value Option. The Company has elected the fair value option for a portion of its residential mortgage loans held for sale. These loans are intended for sale and the Company believes that the fair value is the best indicator of the resolution of these loans. Interest income is recorded based on the contractual terms of the loans and in accordance with the Company’s policy on loans held for investment. None of these loans were 90 days or more past due, nor were any on nonaccrual status, as of June 30, 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 June 30, 2024 and September 30, 2023. Aggregate Aggregate Principal Fair Value Balance June 30, June 30, (In thousands) 2024 2024 Difference Residential mortgage loans held for sale $ 3,077 $ 3,008 $ 68 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 nine - month periods ended June 30, 2024 and 2023: Three Months Ended Nine Months Ended June 30, June 30, (In thousands) 2024 2023 2024 2023 Gains (losses) – included in mortgage banking income $ 7 $ (234) $ (29) $ 716 Interest income 77 704 443 1,521 $ 84 $ 470 $ 414 $ 2,237 GAAP requires disclosure of fair value information about financial instruments for interim reporting periods, whether or not recognized in the consolidated balance sheet. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. The carrying amounts and estimated fair values of the Company’s financial instruments are as follows. Carrying Fair Value Measurements Using: Amount Level 1 Level 2 Level 3 (In thousands) June 30, 2024: Financial assets: Cash and due from banks $ 20,414 $ 20,414 $ — $ — Interest-bearing deposits with banks 22,009 22,009 — — Interest-bearing time deposits 490 — 490 — Securities available for sale 237,651 26,450 209,060 2,141 Securities held to maturity 1,134 — 31 1,112 Residential mortgage loans held for sale 3,077 — 3,077 — Residential home equity lines of credit held for sale 108,795 — 109,883 — SBA loans held for sale 13,987 — — 15,375 Loans, net 1,826,980 — — 1,725,938 FRB and FHLB stock 24,986 N/A N/A N/A Accrued interest receivable 12,014 — 12,014 — SBA loan servicing rights 2,788 — — 3,000 Nonresidential mortgage loan servicing rights 72 — — 72 Equity securities (included in other assets) 623 187 436 — Financial liabilities: Noninterest-bearing deposits 201,854 201,854 — — Interest-bearing deposits 1,510,294 — — 1,507,145 Borrowings from FHLB 425,000 — 420,710 — Subordinated notes 48,563 — 47,537 — Accrued interest payable 8,882 — 8,882 — Advance payments by borrowers for taxes and insurance 592 — 592 — 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	9 Months Ended
Employee Stock Ownership Plan	Jun. 30, 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 nine - month periods ended June 30, 2024 and 2023. The ESOP trust held 262,176 and 293,695 shares of Company common stock at June 30, 2024 and September 30, 2023, respectively.

Stock Based Compensation Plans

Stock Based Compensation Plans	9 Months Ended
Stock Based Compensation Plans	Jun. 30, 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 June 30, 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 June 30, 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 June 30, 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 nine - month periods ended June 30, 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 June 30, 2024, and changes during the nine-month period then ended is presented below. Weighted Average Remaining Weighted Contractual Aggregate Number of Average Term Intrinsic Shares Exercise Price (Years) Value (Dollars in thousands, except per share data) Outstanding at beginning of period 408,669 $ 17.15 Granted 62,983 15.10 Exercised (2,955) 13.36 Forfeited or expired (5,700) 18.17 Outstanding at end of period 462,997 $ 20.09 4.8 $ 710 Exercisable at end of period 272,484 $ 19.43 4.6 $ 540 There were 2,955 stock options exercised during the nine-month period ended June 30, 2024. There were no stock options exercised during the nine - month period ended June 30, 2023. The Company recognized compensation expense related to stock options of $78,000 and $231,000 for the three- and nine-month periods ended June 30, 2024, respectively. The Company recognized compensation expense related to stock options of $75,000 and $228,000 for the three – and nine - month periods ended June 30, 2023, respectively. At June 30, 2024, there was $777,000 of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 3.10 years. There was $39,000 in cash received and $2,000 Restricted Stock The vesting period of restricted stock granted under the plans is generally five years beginning one year after the date of grant of the awards. Compensation expense is measured based on the fair market value of the restricted stock at the grant date and is recognized ratably over the vesting period. Compensation expense related to restricted stock recognized for the three – and nine – month periods ended June 30, 2024 was $97,000 and $292,000, respectively. Compensation expense related to restricted stock recognized for the three - and nine - month periods ended June 30, 2023 was $98,000 and $298,000, respectively. A summary of the Company’s nonvested restricted shares activity as of June 30, 2024 and changes during the nine - month period then ended is presented below. Weighted Number Average of Grant Date Shares Fair Value Nonvested at October 1, 2023 54,916 $ 24.73 Granted 19,475 $ 15.10 Vested (16,158) $ 24.23 Forfeited (800) $ 22.49 Nonvested at June 30, 2024 57,433 $ 21.64 There were 16,158 restricted shares vested during the nine - month period ended June 30, 2024 with a total fair value of $244,000. There were 16,408 restricted shares that vested during the nine - month period ended June 30, 2023 with a total fair value of $244,000. At June 30, 2024, there was $999,000 of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 3.13 years.

Derivative Financial Instrument

Derivative Financial Instruments	9 Months Ended
Derivative Financial Instruments	Jun. 30, 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 June 30, 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 June 30, 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 nine - month periods ended June 30, 2024 and 2023 is as follows: Three Months Ended Nine Months Ended June 30, June 30, (In thousands) 2024 2023 2024 2023 Interest rate lock commitments $ — $ (674) $ (268) $ 912 Forward mortgage loan sale contracts — 1,097 354 121 $ — $ 423 $ 86 $ 1,033

Regulatory Capital

Regulatory Capital	9 Months Ended
Regulatory Capital	Jun. 30, 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 June 30, 2024 and September 30, 2023. As of June 30, 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 June 30, 2024: Total capital (to risk-weighted assets): Consolidated $ 239,954 12.32 % $ 155,778 8.00 % N/A N/A Bank 238,654 12.26 155,746 8.00 $ 194,682 10.00 % Tier 1 capital (to risk-weighted assets): Consolidated $ 176,347 9.06 % $ 116,834 6.00 % N/A N/A Bank 219,610 11.28 116,809 6.00 $ 155,746 8.00 % Common equity tier 1 capital (to risk-weighted assets): Consolidated $ 176,347 9.06 % $ 87,625 4.50 % N/A N/A Bank 219,610 11.28 87,607 4.50 $ 126,544 6.50 % Tier 1 capital (to average adjusted total assets): Consolidated $ 176,347 7.38 % $ 95,561 4.00 % N/A N/A Bank 219,610 9.19 95,545 4.00 $ 119,431 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	9 Months Ended
Recent Accounting Pronouncements	Jun. 30, 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 (dollars in thousands) 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 19,718 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 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. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures The Company has determined that all other recently issued accounting pronouncements will not have a material impact on the Company’s consolidated financial statements or do not apply to its operations.

Segment Reporting

Segment Reporting	9 Months Ended
Segment Reporting	Jun. 30, 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 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 (dollars in thousands). Core SBA Consolidated Banking Lending Totals Three Months Ended June 30, 2024: Net interest income $ 13,590 $ 944 $ 14,534 Provision for credit losses – loans 320 181 501 Provision for unfunded lending commitments 64 94 158 Provision for credit losses - securities 84 — 84 Net interest income after provision 13,122 669 13,791 Net gains on sales of loans, SBA — 581 581 Mortgage banking income 49 — 49 Noninterest income 2,474 722 3,196 Noninterest expense 10,192 2,239 12,431 Income (loss) before taxes 5,404 (848) 4,556 Income tax expense (benefit) 689 (206) 483 Segment profit (loss) 4,715 (642) 4,073 Non-cash items: Depreciation and amortization 588 2 590 Segment assets at June 30, 2024 2,305,240 88,251 2,393,491 Core SBA Consolidated Banking Lending Totals Nine Months Ended June 30, 2024: Net interest income $ 40,169 $ 2,816 $ 42,985 Provision for credit losses – loans 1,238 446 1,684 Provision (credit) for unfunded lending commitments (253) 94 (159) Provision for credit losses – securities 107 — 107 Net interest income after provision 39,077 2,276 41,353 Net gains on sales of loans, SBA — 2,366 2,366 Mortgage banking income 191 — 191 Noninterest income 6,790 2,898 9,688 Noninterest expense 34,178 6,070 40,248 Income (loss) before taxes 11,689 (896) 10,793 Income tax expense (benefit) 1,073 (200) 873 Segment profit (loss) 10,616 (696) 9,920 Non-cash items: Depreciation and amortization 1,786 5 1,791 Segment assets at June 30, 2024 2,305,240 88,251 2,393,491 Core SBA Mortgage Consolidated Banking Lending Banking Totals Three Months Ended June 30, 2023: Net interest income $ 13,407 $ 1,098 $ 360 $ 14,865 Provision (credit) for loan losses 881 (440) — 441 Net interest income after provision 12,526 1,538 360 14,424 Net gains on sales of loans, SBA — 497 — 497 Mortgage banking income 16 — 4,652 4,668 Noninterest income 1,965 580 4,651 7,196 Noninterest expense 11,010 2,107 5,848 18,965 Income (loss) before taxes 3,481 11 (837) 2,655 Income tax expense (benefit) 561 (21) (209) 331 Segment profit (loss) 2,920 32 (628) 2,324 Non-cash items: Depreciation and amortization 618 5 22 645 Segment assets at June 30, 2023 2,058,442 84,394 117,585 2,260,421 Core SBA Mortgage Consolidated Banking Lending Banking Totals Nine Months Ended June 30, 2023: Net interest income $ 42,047 $ 3,186 $ 805 $ 46,038 Provision (credit) for loan losses 2,003 (206) — 1,797 Net interest income after provision 40,044 3,392 805 44,241 Net gains on sales of loans, SBA — 2,179 — 2,179 Mortgage banking income (loss) 8 — 11,305 11,313 Noninterest income 5,626 2,970 11,304 19,900 Noninterest expense 31,458 6,693 16,324 54,475 Income (loss) before taxes 14,212 (331) (4,215) 9,666 Income tax expense (benefit) 1,908 (108) (1,053) 747 Segment profit (loss) 12,304 (223) (3,162) 8,919 Non-cash items: Depreciation and amortization 1,817 16 74 1,907 Segment assets at June 30, 2023 2,058,442 84,394 117,585 2,260,421

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
Revenue from Contracts with Customers	Jun. 30, 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 nine-month periods ended June 30, 2024 and 2023: Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) In Scope for ASC 606 Service charges on deposit accounts $ 538 $ 509 $ 1,398 $ 1,538 ATM and interchange fees 593 615 1,627 1,940 Commission income 220 247 662 564 Other 26 27 82 87 Revenue from contracts with customers 1,377 1,398 3,769 4,129 Out of Scope for ASC 606 Net unrealized gain on equity securities 419 11 463 46 Loss on sale of securities — (540) — (540) Gain on sale of SBA loans 581 497 2,366 2,179 Mortgage banking income 49 4,668 191 11,313 Increase in cash value of life insurance 353 279 1,015 770 Real estate lease income 154 119 384 353 Loan servicing and other income 263 764 1,500 1,650 Other noninterest income 1,819 5,798 5,919 15,771 Total noninterest income $ 3,196 $ 7,196 $ 9,688 $ 19,900 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	9 Months Ended
Mortgage Banking Income	Jun. 30, 2024
Mortgage Banking Income
Mortgage Banking Income	14. Mortgage Banking Income The components of mortgage banking income for the three-and nine-month periods ended June 30, 2024 and 2023 were as follows: Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) Origination and sale of mortgage loans (1) $ 60 $ 2,599 $ (1,142) $ 5,216 Mortgage brokerage income — 74 31 284 Net change in fair value of loans held for sale and interest rate lock commitments 7 (908) (297) 1,627 Realized and unrealized gains (losses) from forward sales commitments — 1,097 354 121 Capitalized residential mortgage loan servicing rights — 764 509 1,202 Net change in fair value of residential mortgage loan servicing rights — (1,309) (809) (3,816) Provisions for loan repurchases and indemnifications (6) (70) 13 (559) Net loan servicing income (loss) (12) 2,421 1,532 7,238 Total mortgage banking income $ 49 $ 4,668 $ 191 $ 11,313 (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Jun. 30, 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

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
Investment Securities (Tables)	Jun. 30, 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) June 30, 2024: Debt securities available for sale: U.S. Treasury notes $ 30,299 $ — $ 3,849 $ — $ 26,450 Agency mortgage-backed 27,190 — 3,385 — 23,805 Agency CMO 13,402 — 1,089 — 12,313 Privately-issued CMO 281 2 2 23 258 Privately-issued ABS 344 11 1 — 354 SBA certificates 11,224 — 424 — 10,800 Municipal bonds 175,048 311 13,483 — 161,876 Other 2,000 — 121 84 1,795 Total debt securities available for sale $ 259,788 $ 324 $ 22,354 $ 107 $ 237,651 Debt securities held to maturity: Agency mortgage-backed $ 31 $ — $ — $ — $ 31 Municipal bonds 1,103 9 — — 1,112 Total debt securities held to maturity $ 1,134 $ 9 $ — $ — $ 1,143 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 June 30, 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 $ 4,018 $ 3,998 $ 254 $ 256 Due after one year through five years 8,010 7,860 571 576 Due after five years through ten years 44,368 39,827 278 280 Due after ten years 150,951 138,436 — — Agency mortgage-backed 27,190 23,805 31 31 Agency CMO 13,402 12,313 — — Privately-issued CMO 281 258 — — Privately-issued ABS 344 354 — — SBA certificates 11,224 10,800 — — $ 259,788 $ 237,651 $ 1,134 $ 1,143
Schedule of investment securities with gross unrealized losses	Number of Gross Investment Fair Unrealized Positions Value Losses (Dollars in thousands) June 30, 2024: Debt securities available for sale: Continuous loss position less than twelve months: U.S. Treasury notes 4 $ 1,225 $ 17 Municipal bonds 23 24,332 239 Total less than twelve months 27 25,557 256 Continuous loss position more than twelve months: U.S. Treasury notes 1 25,225 3,832 Agency mortgage-backed 15 23,530 3,385 Agency CMO 15 12,312 1,089 Privately-issued CMO 1 239 2 Privately-issued ABS 1 147 1 SBA certificates 3 10,800 424 Municipal bonds 116 106,450 13,244 Other 1 1,879 121 Total more than twelve months 153 180,582 22,098 Total debt securities available for sale 180 $ 206,139 $ 22,354 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 Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) Allowance for credit losses Beginning of period $ 23 $ — $ — $ — Provision for credit loss expense — — 24 — Reductions due to increases in expected cash flows — — (1) — Recoveries — — — — Balance, end of period $ 23 $ — $ 23 $ — Allowance for Credit Losses Other Investments Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (in thousands) Allowance for credit losses Beginning of period $ — $ — $ — $ — Provision for credit loss expense 84 — 84 — Reductions due to increases in expected cash flows — — — — Recoveries — — — — Balance, end of period $ 84 $ — $ 84 $ —

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	9 Months Ended
Loans and Allowance for Credit Losses (Tables)	Jun. 30, 2024
Loans and Allowance for Loan Losses
Schedule of loans	June 30, September 30, 2024 2023 (In thousands) Real estate mortgage: Residential $ 536,127 $ 528,410 Commercial 185,654 187,232 Single tenant net lease 749,527 757,388 SBA commercial (1) 51,895 47,078 Multifamily 41,561 34,892 Residential construction 51,037 24,924 Commercial construction 20,271 14,588 Land and land development 16,406 17,234 Commercial business 134,469 117,594 SBA commercial business (1) 18,853 16,939 Consumer 40,170 39,915 Total loans 1,845,970 1,786,194 Deferred loan origination fees and costs, net 799 949 Allowance for credit losses (19,789) (16,900) Loans, net $ 1,826,980 $ 1,770,243 (1) Includes discounts on SBA loans of $3.3 million for June 30, 2024 and September 30, 2023.
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 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 June 30, 2024: (In thousands) Residential real estate $ 6,381 $ 150 $ (35) $ 59 $ 6,555 Commercial real estate 1,645 (33) — — 1,612 Single tenant net lease 3,764 109 — — 3,873 SBA commercial real estate 2,872 254 (37) — 3,089 Multifamily 410 (48) — — 362 Residential construction 351 19 — — 370 Commercial construction 431 (61) — — 370 Land and land development 174 (1) — — 173 Commercial business 1,484 192 (8) — 1,668 SBA commercial business 1,434 (209) (24) 11 1,212 Consumer 446 129 (95) 25 505 $ 19,392 $ 501 $ (199) $ 95 $ 19,789 June 30, 2023: Residential real estate $ 3,537 $ 603 $ (8) $ — $ 4,132 Commercial real estate 1,783 — — — 1,783 Single tenant net lease 3,726 (3) — — 3,723 SBA commercial real estate 2,607 (263) (39) 3 2,308 Multifamily 326 (61) — — 265 Residential construction 246 81 — — 327 Commercial construction 83 123 — — 206 Land and land development 198 3 — — 201 Commercial business 1,322 162 — 9 1,493 SBA commercial business 2,088 (177) — 11 1,922 Consumer 542 (27) (46) 9 478 $ 16,458 $ 441 $ (93) $ 32 $ 16,838 Beginning Balance Adoption of ASC 326 Provisions (Credits) Charge-Offs Recoveries Ending Balance (In thousands) June 30, 2024: Residential real estate $ 4,641 $ 1,037 $ 845 $ (35) $ 67 $ 6,555 Commercial real estate 1,777 255 (420) — — 1,612 Single tenant net lease 3,810 222 (159) — — 3,873 SBA commercial real estate 1,922 511 633 (39) 62 3,089 Multifamily 268 (21) 115 — — 362 Residential construction 434 (226) 162 — — 370 Commercial construction 282 43 45 — — 370 Land and land development 307 (74) (60) — — 173 Commercial business 1,714 (495) 483 (34) — 1,668 SBA commercial business 1,247 160 (186) (48) 39 1,212 Consumer 498 17 226 (305) 69 505 $ 16,900 $ 1,429 $ 1,684 $ (461) $ 237 $ 19,789 June 30, 2023: Residential real estate $ 2,716 $ — $ 1,409 $ (8) $ 15 $ 4,132 Commercial real estate 1,590 — 193 — — 1,783 Single tenant net lease 3,838 — (115) — — 3,723 SBA commercial real estate 2,578 — (157) (116) 3 2,308 Multifamily 251 — 14 — — 265 Residential construction 305 — 22 — — 327 Commercial construction 107 — 99 — — 206 Land and land development 212 — (11) — — 201 Commercial business 1,193 — 231 — 69 1,493 SBA commercial business 2,122 — (49) (190) 39 1,922 Consumer 448 — 161 (167) 36 478 $ 15,360 $ — $ 1,797 $ (481) $ 162 $ 16,838
Schedule of the average balance of impaired loans individually evaluated for impairment	Three Months Ended June 30, Nine Months Ended June 30, 2023 2023 Average Interest Average Interest Recorded Income Recorded Income Balance Recognized Balance Recognized Loans with no related allowance recorded: Residential real estate $ 3,306 $ 16 $ 3,070 $ 46 Commercial real estate 969 8 970 21 Single tenant net lease — — — — SBA commercial real estate 8,427 — 8,189 — Multifamily 375 4 384 14 Residential construction — — — — Commercial construction — — — — Land and land development — — — — Commercial business 815 11 947 35 SBA commercial business 1,070 — 986 — Consumer 54 — 65 — $ 15,016 $ 39 $ 14,611 $ 116 Loans with an allowance recorded: Residential real estate $ 250 $ — $ 125 $ — Commercial real estate — — — — Single tenant net lease — — — — SBA commercial real estate 1,201 — 1,433 — Multifamily — — — — Residential construction — — — — Commercial construction — — — — Land and land development — — — — Commercial business 135 — 101 — SBA commercial business 1,138 — 1,202 — Consumer 196 — 190 — $ 2,920 $ — $ 3,051 $ — Total: Residential real estate $ 3,556 $ 16 $ 3,195 $ 46 Commercial real estate 969 8 970 21 Single tenant net lease — — — — SBA commercial real estate 9,628 — 9,622 — Multifamily 375 4 384 14 Residential construction — — — — Commercial construction — — — — Land and land development — — — — Commercial business 950 11 1,048 35 SBA commercial business 2,208 — 2,188 — Consumer 250 — 255 — $ 17,936 $ 39 $ 17,662 $ 116 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 June 30, 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 $ 4,047 $ 2,568 $ — $ 2,426 $ — Commercial real estate 622 496 — 511 — Single tenant net lease — — — — — SBA commercial real estate 8,564 6,763 — 7,415 — Multifamily 276 276 — 318 — Residential construction — — — — — Commercial construction — — — — — Land and land development — — — — — Commercial business 1,464 1,300 — 1,946 — SBA commercial business 1,751 1,290 — 1,099 — Consumer 30 30 — 233 — Total $ 16,754 $ 12,723 $ — $ 13,948 $ —
Schedule of amortized cost basis of collateral dependent loans by collateral types	June 30, 2024 Real Estate Other Total (In thousands) Residential real estate $ 4,047 $ — $ 4,047 Commercial real estate 622 — 622 SBA commercial real estate 8,564 — 8,564 Multifamily 276 — 276 Commercial business — 1,464 1,464 SBA commercial business — 1,751 1,751 Consumer — 30 30 $ 13,509 $ 3,245 $ 16,754
Schedule of aging of recorded investment in past due loans	The following table presents the aging of past due loans at June 30, 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 $ 566 $ 449 $ 2,422 $ 3,437 $ 532,690 $ 536,127 Commercial real estate 1,006 — 496 1,502 184,152 185,654 Single tenant net lease — — — — 749,527 749,527 SBA commercial real estate 79 — 4,721 4,800 47,095 51,895 Multifamily — — — — 41,561 41,561 Residential construction — — — — 51,037 51,037 Commercial construction — — — — 20,271 20,271 Land and land development 3 — — 3 16,403 16,406 Commercial business — — 37 37 134,432 134,469 SBA commercial business 19 — 473 492 18,361 18,853 Consumer 426 — 28 454 39,716 40,170 Total $ 2,099 $ 449 $ 8,177 $ 10,725 $ 1,835,245 $ 1,845,970 The following table presents the aging of past due loans at September 30, 2023: 30-59 Days 60-89 Days 90+ Days Total Total Past Due Past Due Past Due Past Due Current Loans (In thousands) Residential real estate $ 2,715 $ 132 $ 1,818 $ 4,665 $ 523,745 $ 528,410 Commercial real estate 23 62 — 85 187,147 187,232 Single tenant net lease — — — — 757,388 757,388 SBA commercial real estate 764 — 3,877 4,641 42,437 47,078 Multifamily — — — — 34,892 34,892 Residential construction — — — — 24,924 24,924 Commercial construction — — — — 14,588 14,588 Land and land development 40 — — 40 17,194 17,234 Commercial business 112 — 86 198 117,396 117,594 SBA commercial business 130 — 682 812 16,127 16,939 Consumer 137 5 36 178 39,737 39,915 Total $ 3,921 $ 199 $ 6,499 $ 10,619 $ 1,775,575 $ 1,786,194
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 $ 58,322 $ 37,531 $ 46,218 $ 19,153 $ 11,474 $ 55,790 $ 304,556 $ — $ 533,044 Special mention — — — — — — — — — Substandard 443 767 278 273 — 507 797 — 3,065 Doubtful — — — — — 18 — — 18 Loss — — — — — — — — — Total residential real estate 58,765 38,298 46,496 19,426 11,474 56,315 305,353 — 536,127 YTD gross charge-offs — — — 1 — 6 28 — 35 Commercial real estate Pass 13,155 28,061 62,595 22,099 7,888 51,041 — — $ 184,839 Special mention — — — — — — — — — Substandard — 622 — — 22 171 — — 815 Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial real estate 13,155 28,683 62,595 22,099 7,910 51,212 — — 185,654 YTD gross charge-offs — — — — — — — — — Single tenant net lease commercial real estate Pass 24,129 149,782 275,648 71,766 100,282 127,920 — — 749,527 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total single tenant net lease 24,129 149,782 275,648 71,766 100,282 127,920 — — 749,527 YTD gross charge-offs — — — — — — — — — SBA commercial real estate Pass 3,785 8,769 8,913 6,821 7,168 6,405 43 — 41,904 Special mention — — — — — — — — — Substandard — — 162 143 1,766 6,296 — — 8,367 Doubtful — — — — — 1,624 — — 1,624 Loss — — — — — — — — — Total SBA commercial real estate 3,785 8,769 9,075 6,964 8,934 14,325 43 — 51,895 YTD gross charge-offs — — — — 11 28 — — 39 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 5,177 2,585 11,490 5,464 11,247 5,322 — — 41,285 Special mention — — — — — — — — — Substandard — — — — — 276 — — 276 Doubtful — — — — — — — — — Loss — — — — — — — — — Total multifamily real estate 5,177 2,585 11,490 5,464 11,247 5,598 — — 41,561 YTD gross charge-offs — — — — — — — — — Residential construction Pass 8,495 28,250 14,292 — — — — — 51,037 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total residential construction 8,495 28,250 14,292 — — — — — 51,037 YTD gross charge-offs — — — — — — — — — Commercial construction Pass 68 15,960 4,243 — — — — — 20,271 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial construction 68 15,960 4,243 — — — — — 20,271 YTD gross charge-offs — — — — — — — — — Land and land development Pass 696 8,080 5,206 982 383 1,059 — — 16,406 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Loss — — — — — — — — — Total land and land development 696 8,080 5,206 982 383 1,059 — — 16,406 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 38,268 51,632 25,228 11,249 788 5,797 — — 132,962 Special mention — — — — — — — — — Substandard — 948 164 44 4 347 — — 1,507 Doubtful — — — — — — — — — Loss — — — — — — — — — Total commercial business 38,268 52,580 25,392 11,293 792 6,144 — — 134,469 YTD gross charge-offs — — — 32 — 2 — — 34 SBA commercial business Pass 5,016 2,568 716 1,203 3,998 3,113 384 — 16,998 Special mention — — — — — — — — — Substandard — — — 54 86 1,698 — — 1,838 Doubtful — — — — — — — — — Loss — — — — — 17 — — 17 Total SBA commercial business 5,016 2,568 716 1,257 4,084 4,828 384 — 18,853 YTD gross charge-offs — — — 5 5 38 — — 48 Consumer Pass 3,892 4,057 3,310 450 207 86 28,138 — 40,140 Special mention — — — — — — — — — Substandard — 4 — — — — 26 — 30 Doubtful — — — — — — — — — Loss — — — — — — — — — Total consumer 3,892 4,061 3,310 450 207 86 28,164 — 40,170 YTD gross charge-offs — 4 — 1 — — 300 — 305 Total loans Pass 161,003 337,275 457,859 139,187 143,435 256,533 333,121 — 1,828,413 Special mention — — — — — — — — — Substandard 443 2,341 604 514 1,878 9,295 823 — 15,898 Doubtful — — — — — 1,642 — — 1,642 Loss — — — — — 17 — — 17 Total loans 161,446 339,616 458,463 139,701 145,313 267,487 333,944 — 1,845,970 YTD gross charge-offs — 4 — 39 16 74 328 — 461 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) June 30, 2023: Residential real estate $ 1,015 $ — $ 1,015 Commercial real estate 365 524 889 SBA commercial real estate — 1,625 1,625 Multifamily 327 — 327 Commercial business 666 — 666 SBA commercial business — 230 230 Total $ 2,373 $ 2,379 $ 4,752
Schedule of Troubled Debt Restructurings	Number of Pre-Modification Post-Modification Loans Principal Balance Principal Balance (Dollars in thousands) Three Months Ended June 30, 2023: Residential Real Estate 1 $ 31 $ 31 Total 1 $ 31 $ 31 Nine Months Ended June 30, 2023: Residential Real Estate 1 $ 31 $ 31 Total 1 $ 31 $ 31
SBA loan servicing rights
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) Balance, beginning of period $ 2,950 $ 3,727 $ 2,950 $ 3,790 Servicing rights capitalized 156 147 691 606 Amortization (140) (237) (420) (623) Direct write-offs (178) (263) (493) (578) Change in valuation allowance — — 60 179 Balance, end of period $ 2,788 $ 3,374 $ 2,788 $ 3,374
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 Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) Fair value, beginning of period $ — $ 61,194 $ 59,768 $ 63,263 Servicing rights capitalized — 764 509 1,202 Changes in fair value related to: Loan repayments — (1,073) (672) (3,137) Sales — — (59,464) — Gain (Loss) on sale of MSRs — — (4) — Change in valuation model inputs or assumptions — (236) (137) (679) Balance, end of period $ — $ 60,649 $ — $ 60,649
Nonresidential MSR
Loans and Allowance for Loan Losses
Schedule of loan servicing rights	Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) Balance, beginning of period $ 77 $ 124 $ 101 $ 141 Servicing rights capitalized — — — — Amortization (5) (8) (18) (25) Direct write-offs — — (11) — Change in valuation allowance — — — — Balance, end of period $ 72 $ 116 $ 72 $ 116

Deposits (Tables)

Deposits (Tables)	9 Months Ended
Deposits (Tables)	Jun. 30, 2024
Deposits
Schedule of deposits	June 30, September 30, 2024 2023 (In thousands) Noninterest-bearing demand deposits $ 201,854 $ 242,237 NOW accounts 330,347 336,446 Money market accounts 365,098 323,739 Savings accounts 155,312 170,073 Retail time deposits 260,386 170,980 Brokered & reciprocal time deposits 399,151 438,319 Total $ 1,712,148 $ 1,681,794

Supplemental Disclosure for N_2

Supplemental Disclosure for Net Income Per Share (Tables)	9 Months Ended
Supplemental Disclosure for Net Income Per Share (Tables)	Jun. 30, 2024
Supplemental Disclosure for Net Income Per Share
Schedule of earnings per share information	Three Months Ended Nine Months Ended June 30, June 30, 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 $ 4,073 $ 2,324 $ 9,920 $ 8,919 Shares: Weighted average common shares outstanding, basic 6,832,452 6,816,608 6,829,490 6,858,739 Net income per common share, basic $ 0.60 $ 0.34 $ 1.45 $ 1.30 Diluted: Earnings: Net income attributable to First Savings Financial Group, Inc. available to common shareholders $ 4,073 $ 2,324 $ 9,920 $ 8,919 Shares: Weighted average common shares outstanding, basic 6,832,452 6,816,608 6,829,490 6,858,739 Add: Dilutive effect of outstanding options 2,332 3,140 21,655 35,027 Add: Dilutive effect of restricted stock — — — — Weighted average common shares outstanding, as adjusted 6,834,784 6,819,748 6,851,145 6,893,766 Net income per common share, diluted $ 0.60 $ 0.34 $ 1.45 $ 1.29

Fair Value Measurements and D_2

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments (Tables)	9 Months Ended
	Jun. 30, 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) June 30, 2024: Assets Measured – Recurring Basis: Securities available for sale: U.S. Treasury bills and notes $ 26,450 $ — $ — $ 26,450 Agency mortgage-backed — 23,805 — 23,805 Agency CMO — 12,313 — 12,313 Privately-issued CMO — 19 239 258 Privately-issued ABS — 277 77 354 SBA certificates — 10,770 30 10,800 Municipal bonds — 161,876 — 161,876 Other — — 1,795 1,795 Total securities available for sale $ 26,450 $ 209,060 $ 2,141 $ 237,651 Residential mortgage loans held for sale $ — $ 3,077 $ — $ 3,077 Equity securities (included in other assets) $ 187 $ 436 $ — $ 623 Assets Measured – Nonrecurring Basis: Collateral dependent loans: Residential real estate $ — $ — $ 1,172 $ 1,172 Commercial real estate — — 120 120 SBA commercial real estate — — 940 940 Commercial business — — 89 89 SBA commercial business — — 262 262 Total collateral dependent loans $ — $ — $ 2,583 $ 2,583 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 Nine Months Ended June 30, June 30, (In thousands) 2024 2023 2024 2023 Beginning balance $ — $ 1,348 $ 268 $ (238) Unrealized gains (losses) recognized in earnings, net of settlements — (674) (268) 912 Ending balance $ — $ 674 $ — $ 674
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 Nine Months Ended June 30, 2024 June 30, 2024 (In thousands) Beginning balance $ 1,554 $ 460 Transfers from Level 2 to Level 3 — 1,200 Change in value 587 481 Ending balance in Level 3 $ 2,141 $ 2,141
Schedule of aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale	Aggregate Aggregate Principal Fair Value Balance June 30, June 30, (In thousands) 2024 2024 Difference Residential mortgage loans held for sale $ 3,077 $ 3,008 $ 68 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 Nine Months Ended June 30, June 30, (In thousands) 2024 2023 2024 2023 Gains (losses) – included in mortgage banking income $ 7 $ (234) $ (29) $ 716 Interest income 77 704 443 1,521 $ 84 $ 470 $ 414 $ 2,237
Schedule of carrying value and estimated fair value of financial instruments and the level within the fair value hierarchy in which the fair value measurements fall	Carrying Fair Value Measurements Using: Amount Level 1 Level 2 Level 3 (In thousands) June 30, 2024: Financial assets: Cash and due from banks $ 20,414 $ 20,414 $ — $ — Interest-bearing deposits with banks 22,009 22,009 — — Interest-bearing time deposits 490 — 490 — Securities available for sale 237,651 26,450 209,060 2,141 Securities held to maturity 1,134 — 31 1,112 Residential mortgage loans held for sale 3,077 — 3,077 — Residential home equity lines of credit held for sale 108,795 — 109,883 — SBA loans held for sale 13,987 — — 15,375 Loans, net 1,826,980 — — 1,725,938 FRB and FHLB stock 24,986 N/A N/A N/A Accrued interest receivable 12,014 — 12,014 — SBA loan servicing rights 2,788 — — 3,000 Nonresidential mortgage loan servicing rights 72 — — 72 Equity securities (included in other assets) 623 187 436 — Financial liabilities: Noninterest-bearing deposits 201,854 201,854 — — Interest-bearing deposits 1,510,294 — — 1,507,145 Borrowings from FHLB 425,000 — 420,710 — Subordinated notes 48,563 — 47,537 — Accrued interest payable 8,882 — 8,882 — Advance payments by borrowers for taxes and insurance 592 — 592 — 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 June 30, Average) September 30, Financial Instrument Inputs 2024 2023 Collateral dependent loans Discount from appraised value 0.0% - 35.0% (6.88%) 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) June 30, 2024 Other investment security Estimated market rate 9.00% - 10.00% (9.25%)

Stock Based Compensation Plans

Stock Based Compensation Plans (Tables)	9 Months Ended
Stock Based Compensation Plans (Tables)	Jun. 30, 2024
Stock Based Compensation Plans
Schedule of fair value of options granted	The fair value of options granted during the nine - month periods ended June 30, 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 June 30, 2024, and changes during the nine-month period then ended is presented below. Weighted Average Remaining Weighted Contractual Aggregate Number of Average Term Intrinsic Shares Exercise Price (Years) Value (Dollars in thousands, except per share data) Outstanding at beginning of period 408,669 $ 17.15 Granted 62,983 15.10 Exercised (2,955) 13.36 Forfeited or expired (5,700) 18.17 Outstanding at end of period 462,997 $ 20.09 4.8 $ 710 Exercisable at end of period 272,484 $ 19.43 4.6 $ 540
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 June 30, 2024 57,433 $ 21.64

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	9 Months Ended
Derivative Financial Instruments (Tables)	Jun. 30, 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 Nine Months Ended June 30, June 30, (In thousands) 2024 2023 2024 2023 Interest rate lock commitments $ — $ (674) $ (268) $ 912 Forward mortgage loan sale contracts — 1,097 354 121 $ — $ 423 $ 86 $ 1,033

Regulatory Capital (Tables)

Regulatory Capital (Tables)	9 Months Ended
Regulatory Capital (Tables)	Jun. 30, 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 June 30, 2024: Total capital (to risk-weighted assets): Consolidated $ 239,954 12.32 % $ 155,778 8.00 % N/A N/A Bank 238,654 12.26 155,746 8.00 $ 194,682 10.00 % Tier 1 capital (to risk-weighted assets): Consolidated $ 176,347 9.06 % $ 116,834 6.00 % N/A N/A Bank 219,610 11.28 116,809 6.00 $ 155,746 8.00 % Common equity tier 1 capital (to risk-weighted assets): Consolidated $ 176,347 9.06 % $ 87,625 4.50 % N/A N/A Bank 219,610 11.28 87,607 4.50 $ 126,544 6.50 % Tier 1 capital (to average adjusted total assets): Consolidated $ 176,347 7.38 % $ 95,561 4.00 % N/A N/A Bank 219,610 9.19 95,545 4.00 $ 119,431 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)	9 Months Ended
Recent Accounting Pronouncements (Tables)	Jun. 30, 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 19,718 18,859 859 Liabilities Allowance for credit losses on off balance sheet credit exposures 1,940 — 1,940

Segment Reporting (Tables)

Segment Reporting (Tables)	9 Months Ended
Segment Reporting (Tables)	Jun. 30, 2024
Segment Reporting
Schedule of sum of the segment amounts and consolidated totals	Core SBA Consolidated Banking Lending Totals Three Months Ended June 30, 2024: Net interest income $ 13,590 $ 944 $ 14,534 Provision for credit losses – loans 320 181 501 Provision for unfunded lending commitments 64 94 158 Provision for credit losses - securities 84 — 84 Net interest income after provision 13,122 669 13,791 Net gains on sales of loans, SBA — 581 581 Mortgage banking income 49 — 49 Noninterest income 2,474 722 3,196 Noninterest expense 10,192 2,239 12,431 Income (loss) before taxes 5,404 (848) 4,556 Income tax expense (benefit) 689 (206) 483 Segment profit (loss) 4,715 (642) 4,073 Non-cash items: Depreciation and amortization 588 2 590 Segment assets at June 30, 2024 2,305,240 88,251 2,393,491 Core SBA Consolidated Banking Lending Totals Nine Months Ended June 30, 2024: Net interest income $ 40,169 $ 2,816 $ 42,985 Provision for credit losses – loans 1,238 446 1,684 Provision (credit) for unfunded lending commitments (253) 94 (159) Provision for credit losses – securities 107 — 107 Net interest income after provision 39,077 2,276 41,353 Net gains on sales of loans, SBA — 2,366 2,366 Mortgage banking income 191 — 191 Noninterest income 6,790 2,898 9,688 Noninterest expense 34,178 6,070 40,248 Income (loss) before taxes 11,689 (896) 10,793 Income tax expense (benefit) 1,073 (200) 873 Segment profit (loss) 10,616 (696) 9,920 Non-cash items: Depreciation and amortization 1,786 5 1,791 Segment assets at June 30, 2024 2,305,240 88,251 2,393,491 Core SBA Mortgage Consolidated Banking Lending Banking Totals Three Months Ended June 30, 2023: Net interest income $ 13,407 $ 1,098 $ 360 $ 14,865 Provision (credit) for loan losses 881 (440) — 441 Net interest income after provision 12,526 1,538 360 14,424 Net gains on sales of loans, SBA — 497 — 497 Mortgage banking income 16 — 4,652 4,668 Noninterest income 1,965 580 4,651 7,196 Noninterest expense 11,010 2,107 5,848 18,965 Income (loss) before taxes 3,481 11 (837) 2,655 Income tax expense (benefit) 561 (21) (209) 331 Segment profit (loss) 2,920 32 (628) 2,324 Non-cash items: Depreciation and amortization 618 5 22 645 Segment assets at June 30, 2023 2,058,442 84,394 117,585 2,260,421 Core SBA Mortgage Consolidated Banking Lending Banking Totals Nine Months Ended June 30, 2023: Net interest income $ 42,047 $ 3,186 $ 805 $ 46,038 Provision (credit) for loan losses 2,003 (206) — 1,797 Net interest income after provision 40,044 3,392 805 44,241 Net gains on sales of loans, SBA — 2,179 — 2,179 Mortgage banking income (loss) 8 — 11,305 11,313 Noninterest income 5,626 2,970 11,304 19,900 Noninterest expense 31,458 6,693 16,324 54,475 Income (loss) before taxes 14,212 (331) (4,215) 9,666 Income tax expense (benefit) 1,908 (108) (1,053) 747 Segment profit (loss) 12,304 (223) (3,162) 8,919 Non-cash items: Depreciation and amortization 1,817 16 74 1,907 Segment assets at June 30, 2023 2,058,442 84,394 117,585 2,260,421

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
Revenue from Contracts with Customers (Tables)	Jun. 30, 2024
Revenue from Contracts with Customers
Schedule of sources of noninterest income	Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) In Scope for ASC 606 Service charges on deposit accounts $ 538 $ 509 $ 1,398 $ 1,538 ATM and interchange fees 593 615 1,627 1,940 Commission income 220 247 662 564 Other 26 27 82 87 Revenue from contracts with customers 1,377 1,398 3,769 4,129 Out of Scope for ASC 606 Net unrealized gain on equity securities 419 11 463 46 Loss on sale of securities — (540) — (540) Gain on sale of SBA loans 581 497 2,366 2,179 Mortgage banking income 49 4,668 191 11,313 Increase in cash value of life insurance 353 279 1,015 770 Real estate lease income 154 119 384 353 Loan servicing and other income 263 764 1,500 1,650 Other noninterest income 1,819 5,798 5,919 15,771 Total noninterest income $ 3,196 $ 7,196 $ 9,688 $ 19,900

Mortgage Banking Income (Tables

Mortgage Banking Income (Tables)	9 Months Ended
Mortgage Banking Income (Tables)	Jun. 30, 2024
Mortgage Banking Income
Schedule of components of mortgage banking income	Three Months Ended Nine Months Ended June 30, June 30, 2024 2023 2024 2023 (In thousands) Origination and sale of mortgage loans (1) $ 60 $ 2,599 $ (1,142) $ 5,216 Mortgage brokerage income — 74 31 284 Net change in fair value of loans held for sale and interest rate lock commitments 7 (908) (297) 1,627 Realized and unrealized gains (losses) from forward sales commitments — 1,097 354 121 Capitalized residential mortgage loan servicing rights — 764 509 1,202 Net change in fair value of residential mortgage loan servicing rights — (1,309) (809) (3,816) Provisions for loan repurchases and indemnifications (6) (70) 13 (559) Net loan servicing income (loss) (12) 2,421 1,532 7,238 Total mortgage banking income $ 49 $ 4,668 $ 191 $ 11,313 (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 ($)	3 Months Ended		9 Months Ended
Presentation of Interim Information (Details) - USD ($)	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 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	1,781,000		1,781,000		$ 0
Credit for unfunded lending commitments	$ 158,000	$ 0	(159,000)	$ 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	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023
Debt securities available for sale:
Amortized Cost	$ 259,788		$ 265,209
Gross Unrealized Gain	324		34
Gross Unrealized Losses	22,354		37,504
Allowance for Credit Losses	107
Debt securities available for sale, Fair Value	237,651		227,739
Debt securities held to maturity:
Amortized Cost	1,134		1,300
Gross Unrealized Gain	9		4
Gross Unrealized Losses			1
Fair Value	1,143		1,303
U.S. Treasury bills and notes
Debt securities available for sale:
Amortized Cost			30,598
Gross Unrealized Losses	3,849		4,649
Debt securities available for sale, Fair Value	26,450		25,949
Debt securities held to maturity:
Amortized Cost	30,299
Agency mortgage-backed
Debt securities available for sale:
Amortized Cost	27,190		28,542
Gross Unrealized Losses	3,385		4,274
Debt securities available for sale, Fair Value	23,805		24,268
Debt securities held to maturity:
Amortized Cost	31		36
Gross Unrealized Losses			1
Fair Value	31		35
Agency CMO
Debt securities available for sale:
Amortized Cost	13,402		14,064
Gross Unrealized Losses	1,089		1,322
Debt securities available for sale, Fair Value	12,313		12,742
Privately-issued CMO
Debt securities available for sale:
Amortized Cost	281		424
Gross Unrealized Gain	2		2
Gross Unrealized Losses	2		30
Allowance for Credit Losses	23	$ 23
Debt securities available for sale, Fair Value	258		396
Privately-issued ABS
Debt securities available for sale:
Amortized Cost	344		433
Gross Unrealized Gain	11		13
Gross Unrealized Losses	1		3
Debt securities available for sale, Fair Value	354		443
SBA certificates
Debt securities available for sale:
Amortized Cost	11,224		11,587
Gross Unrealized Losses	424		842
Debt securities available for sale, Fair Value	10,800		10,745
Municipal bonds
Debt securities available for sale:
Amortized Cost	175,048		177,561
Gross Unrealized Gain	311		19
Gross Unrealized Losses	13,483		26,096
Debt securities available for sale, Fair Value	161,876		151,484
Debt securities held to maturity:
Amortized Cost	1,103		1,264
Gross Unrealized Gain	9		4
Fair Value	1,112		1,268
Other
Debt securities available for sale:
Gross Unrealized Losses	121
Allowance for Credit Losses	84
Debt securities available for sale, Fair Value	1,795
Debt securities held to maturity:
Amortized Cost	$ 2,000
Other
Debt securities available for sale:
Amortized Cost			2,000
Gross Unrealized Losses			288
Debt securities available for sale, 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	Jun. 30, 2024	Sep. 30, 2023
Available for Sale - Amortized Cost
Amortized Cost	$ 259,788	$ 265,209
Available for Sale - Fair Value
Debt securities available for sale, Fair Value	237,651	227,739
Municipal bonds
Available for Sale - Amortized Cost
Due within one year	4,018
Due after one year through five years	8,010
Due after five years through ten years	44,368
Due after ten years	150,951
Amortized Cost	175,048	177,561
Available for Sale - Fair Value
Due within one year	3,998
Due after one year through five years	7,860
Due after five years through ten years	39,827
Due after ten years	138,436
Debt securities available for sale, Fair Value	161,876	151,484
Mortgage-backed securities
Available for Sale - Amortized Cost
Amortized Cost	27,190
Available for Sale - Fair Value
Fair Value	23,805
CMO
Available for Sale - Amortized Cost
Amortized Cost	13,402
Available for Sale - Fair Value
Fair Value	12,313
Privately-issued CMO
Available for Sale - Amortized Cost
Amortized Cost	281
Amortized Cost	281	424
Available for Sale - Fair Value
Fair Value	258
Debt securities available for sale, Fair Value	258	396
ABS
Available for Sale - Amortized Cost
Amortized Cost	344
Available for Sale - Fair Value
Fair Value	354
SBA certificates
Available for Sale - Amortized Cost
Amortized Cost	11,224
Amortized Cost	11,224	11,587
Available for Sale - Fair Value
Fair Value	10,800
Debt securities available for sale, Fair Value	$ 10,800	$ 10,745

Investment Securities - Amort_3

Investment Securities - Amortized cost and fair value of investment securities by contractual maturity - Held to maturity securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Held to Maturity - Amortized Cost
Amortized Cost	$ 1,134	$ 1,300
Held to Maturity - Fair Value
Fair Value	1,143	1,303
Mortgage-backed securities
Held to Maturity - Amortized Cost
Without single maturity date	31
Held to Maturity - Fair Value
Without single maturity date	31
Municipal bonds
Held to Maturity - Amortized Cost
Due within one year	254
Due after one year through five years	571
Due after five years through ten years	278
Amortized Cost	1,103	1,264
Held to Maturity - Fair Value
Due within one year	256
Due after one year through five years	576
Due after five years through ten years	280
Fair Value	$ 1,112	$ 1,268

Investment Securities - Investm

Investment Securities - Investment securities with gross unrealized losses (Details) $ in Thousands	Jun. 30, 2024 USD ($) position	Sep. 30, 2023 USD ($) position
Fair Value
Continuous loss position less than twelve months	$ 25,557	$ 53,662
Continuous loss position more than twelve months	180,582	163,211
Total debt securities available for sale	$ 206,139	$ 216,873
Number of Investment Positions
Continuous loss position less than twelve months \| position	27	53
Continuous loss position more than twelve months \| position	153	150
Total debt securities available for sale \| position	180	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	$ 256	$ 4,144
Continuous loss position more than twelve months	22,098	33,360
Total debt securities available for sale	22,354	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
U.S. Treasury notes
Fair Value
Continuous loss position less than twelve months	1,225	1,576
Continuous loss position more than twelve months	$ 25,225	$ 24,373
Number of Investment Positions
Continuous loss position less than twelve months \| position	4	5
Continuous loss position more than twelve months \| position	1	1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 17	$ 49
Continuous loss position more than twelve months	3,832	4,600
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months		163
Continuous loss position more than twelve months	$ 23,530	$ 23,859
Number of Investment Positions
Continuous loss position less than twelve months \| position		2
Continuous loss position more than twelve months \| position	15	15
Continuous loss position more than twelve months, held to maturity \| position		1
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 8
Continuous loss position more than twelve months	$ 3,385	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 more than twelve months	$ 12,312	$ 8,493
Number of Investment Positions
Continuous loss position more than twelve months \| position	15	14
Gross Unrealized Losses
Continuous loss position more than twelve months	$ 1,089	$ 860
Privately-issued CMO
Fair Value
Continuous loss position more than twelve months	$ 239	$ 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	$ 2	$ 30
Privately-issued ABS
Fair Value
Continuous loss position more than twelve months	$ 147	$ 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	$ 1	$ 3
Agency CMO
Fair Value
Continuous loss position less than twelve months		$ 4,249
Number of Investment Positions
Continuous loss position less than twelve months \| position		1
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 462
SBA certificates
Fair Value
Continuous loss position less than twelve months		31
Continuous loss position more than twelve months	$ 10,800	$ 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	$ 424	839
Municipal bonds
Fair Value
Continuous loss position less than twelve months	24,332	45,931
Continuous loss position more than twelve months	$ 106,450	$ 95,185
Number of Investment Positions
Continuous loss position less than twelve months \| position	23	43
Continuous loss position more than twelve months \| position	116	115
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 239	$ 3,334
Continuous loss position more than twelve months	13,244	22,762
Other
Fair Value
Continuous loss position less than twelve months		$ 1,712
Continuous loss position more than twelve months	$ 1,879
Number of Investment Positions
Continuous loss position less than twelve months \| position		1
Continuous loss position more than twelve months \| position	1
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 288
Continuous loss position more than twelve months	$ 121

Investment Securities - Additio

Investment Securities - Additional Information (Details)	3 Months Ended		9 Months Ended
Investment Securities - Additional Information (Details)	Jun. 30, 2024 USD ($) item position	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) item position shares	Jun. 30, 2023 USD ($)	Sep. 30, 2023 USD ($) position
Investment Securities
Reserves on investment securities		$ 0		$ 0
Provision for credit losses - securities	$ 84,000		$ 107,000
Number of securities having credit losses \| position	1
Debt securities available for sale, Fair Value	$ 237,651,000		237,651,000		$ 227,739,000
Carrying value of HTM debt securities	1,134,000		1,134,000		1,300,000
HTM securities nonaccrual					$ 0
HTM securities excluding accrued interest, nonaccrual	$ 0		$ 0
Available for sale debt securities in loss position, depreciation percentage			6.10%
privately issued collateralized mortgage obligations ABS securities \| shares			4
Continuous loss position more than twelve months \| position	153		153		150
Gross realized gains on sales		341,000		341,000
Gross realized losses on sales		$ 881,000		881,000
Percentage of available for sale of investments			87%
Proceeds from sales of securities available for sale	$ 0		$ 0	$ 78,003,000
Asset pledged as collateral \| Federal reserve discount
Investment Securities
Debt securities available for sale, Fair Value	61,300,000		61,300,000
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	52,700,000		52,700,000		$ 52,900,000
Debt securities \| Downgraded Due To Potential Credit Losses
Investment Securities
Carrying value of downgraded due to potential credit losses	337,000		337,000
Debt securities \| Downgraded Privately Issued Cmos
Investment Securities
Fair market value of downgraded privately issued collateralized mortgage obligations	316,000		316,000
Privately-issued CMO
Investment Securities
Provision for credit losses - securities			24,000
Debt securities available for sale, Fair Value	$ 258,000		$ 258,000		$ 396,000
Continuous loss position more than twelve months \| position	1		1		2
Investments, fair value disclosure	$ 387,000		$ 387,000
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	1		1
Privately-issued ABS
Investment Securities
Debt securities available for sale, Fair Value	$ 354,000		$ 354,000		$ 443,000
Number of debt securities \| item	2		2
Continuous loss position more than twelve months \| position	1		1		1
Municipal bonds
Investment Securities
Debt securities available for sale, Fair Value	$ 161,876,000		$ 161,876,000		$ 151,484,000
Number of debt securities \| item	2		2
Carrying value of HTM debt securities	$ 1,103,000		$ 1,103,000		$ 1,264,000
Continuous loss position more than twelve months \| position	116		116		115

Investment Securities - Availab

Investment Securities - Available for sale debt securities - Allowance for credit losses (Details) - USD ($)	3 Months Ended	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	$ 84,000	$ 107,000
Ending balance	107,000	107,000
Privately-issued CMO
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Roll Forward]
Beginning balance	23,000
Provision for credit loss expense		24,000
Reductions due to increase in expected cash flows		(1,000)
Ending balance	23,000	23,000
Other Investments
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense		84,000
Ending balance	$ 84,000	$ 84,000

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023
Loans and Allowance for Credit Losses
Total loans	$ 1,845,970		$ 1,845,970
Total loans			1,786,194
Deferred loan origination fees and costs, net	799
Deferred loan origination fees and costs, net			949
Allowance for credit losses	(19,789)	$ (19,392)	(16,900)
Allowance for loan losses			(16,900)
Loans, net	1,826,980		1,770,243
Loans, net			1,770,243
Discounts on SBA loans	3,300
Residential
Loans and Allowance for Credit Losses
Total loans	536,127		536,127
Total loans			528,410
Allowance for credit losses	(6,555)	(6,381)	(4,641)
Allowance for loan losses			(4,641)
Commercial
Loans and Allowance for Credit Losses
Total loans	185,654		185,654
Total loans			187,232
Allowance for credit losses	(1,612)	(1,645)	(1,777)
Allowance for loan losses			(1,777)
Single tenant net lease
Loans and Allowance for Credit Losses
Total loans	749,527		749,527
Total loans			757,388
Allowance for credit losses	(3,873)	(3,764)	(3,810)
Allowance for loan losses			(3,810)
SBA commercial
Loans and Allowance for Credit Losses
Total loans	51,895		51,895
Total loans			47,078
Allowance for credit losses	(3,089)	(2,872)	(1,922)
Allowance for loan losses			(1,922)
Multifamily
Loans and Allowance for Credit Losses
Total loans	41,561		41,561
Total loans			34,892
Allowance for credit losses	(362)	(410)	(268)
Allowance for loan losses			(268)
Residential Construction
Loans and Allowance for Credit Losses
Total loans	51,037		51,037
Total loans			24,924
Allowance for credit losses	(370)	(351)	(434)
Allowance for loan losses			(434)
Commercial Construction
Loans and Allowance for Credit Losses
Total loans	20,271		20,271
Total loans			14,588
Allowance for credit losses	(370)	(431)	(282)
Allowance for loan losses			(282)
Land and land development
Loans and Allowance for Credit Losses
Total loans	16,406		16,406
Total loans			17,234
Allowance for credit losses	(173)	(174)	(307)
Allowance for loan losses			(307)
SBA commercial business
Loans and Allowance for Credit Losses
Total loans	18,853		18,853
Total loans			16,939
Allowance for credit losses	(1,212)	(1,434)	(1,247)
Allowance for loan losses			(1,247)
Consumer
Loans and Allowance for Credit Losses
Total loans	40,170		40,170
Total loans			39,915
Allowance for credit losses	(505)	$ (446)	(498)
Allowance for loan losses			(498)
Real estate mortgage \| Residential
Loans and Allowance for Credit Losses
Total loans	536,127
Total loans			528,410
Real estate mortgage \| Commercial
Loans and Allowance for Credit Losses
Total loans	185,654
Total loans			187,232
Real estate mortgage \| Single tenant net lease
Loans and Allowance for Credit Losses
Total loans	749,527
Total loans			757,388
Real estate mortgage \| SBA commercial
Loans and Allowance for Credit Losses
Total loans	51,895
Total loans			47,078
Real estate mortgage \| Multifamily
Loans and Allowance for Credit Losses
Total loans	41,561
Total loans			34,892
Real estate mortgage \| Residential Construction
Loans and Allowance for Credit Losses
Total loans	51,037
Total loans			24,924
Real estate mortgage \| Commercial Construction
Loans and Allowance for Credit Losses
Total loans	20,271
Total loans			14,588
Real estate mortgage \| Land and land development
Loans and Allowance for Credit Losses
Total loans	16,406
Total loans			17,234
Commercial business
Loans and Allowance for Credit Losses
Total loans	134,469
Total loans			117,594
SBA commercial business
Loans and Allowance for Credit Losses
Total loans	18,853
Total loans			16,939
Consumer
Loans and Allowance for Credit Losses
Total loans	$ 40,170
Total loans			$ 39,915

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Components of loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Loans as Evaluated for Impairment:
Individually evaluated for impairment	$ 16,754	$ 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	4,047	3,312
Collectively evaluated for impairment		525,098
Loans		528,410
Commercial real estate
Loans as Evaluated for Impairment:
Individually evaluated for impairment	622	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	8,564	7,415
Collectively evaluated for impairment		39,663
Loans		47,078
Multifamily
Loans as Evaluated for Impairment:
Individually evaluated for impairment	276	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	1,464	1,946
Collectively evaluated for impairment		115,648
Loans		117,594
SBA commercial business
Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,751	1,122
Collectively evaluated for impairment		15,817
Loans		16,939
Consumer
Loans as Evaluated for Impairment:
Individually evaluated for impairment	$ 30	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		9 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 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		$ 16,838		$ 16,838
Activity in Allowance for Loan Losses:
Beginning balance	$ 19,392		$ 16,900
Provisions (Credits)	501		1,684
Charge-offs	(199)		(461)		(461)
Recoveries	95		237
Ending balance	19,789		19,789		16,900
Beginning balance		16,458		15,360	15,360
Provisions (Credits)		441		1,797
Charge-offs		(93)		(481)
Recoveries		32		162
Ending balance		16,838		16,838
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		4,132		4,132
Activity in Allowance for Loan Losses:
Beginning balance	6,381		4,641
Provisions (Credits)	150		845
Charge-offs	(35)		(35)		(35)
Recoveries	59		67
Ending balance	6,555		6,555		4,641
Beginning balance		3,537		2,716	2,716
Provisions (Credits)		603		1,409
Charge-offs		(8)		(8)
Recoveries				15
Ending balance		4,132		4,132
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	1,645		1,777
Provisions (Credits)	(33)		(420)
Ending balance	1,612		1,612		1,777
Beginning balance		1,783		1,590	1,590
Provisions (Credits)				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		3,723		3,723
Activity in Allowance for Loan Losses:
Beginning balance	3,764		3,810
Provisions (Credits)	109		(159)
Ending balance	3,873		3,873		3,810
Beginning balance		3,726		3,838	3,838
Provisions (Credits)		(3)		(115)
Ending balance		3,723		3,723
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		2,308		2,308
Activity in Allowance for Loan Losses:
Beginning balance	2,872		1,922
Provisions (Credits)	254		633
Charge-offs	(37)		(39)		(39)
Recoveries			62
Ending balance	3,089		3,089		1,922
Beginning balance		2,607		2,578	2,578
Provisions (Credits)		(263)		(157)
Charge-offs		(39)		(116)
Recoveries		3		3
Ending balance		2,308		2,308
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		265		265
Activity in Allowance for Loan Losses:
Beginning balance	410		268
Provisions (Credits)	(48)		115
Ending balance	362		362		268
Beginning balance		326		251	251
Provisions (Credits)		(61)		14
Ending balance		265		265
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		327		327
Activity in Allowance for Loan Losses:
Beginning balance	351		434
Provisions (Credits)	19		162
Ending balance	370		370		434
Beginning balance		246		305	305
Provisions (Credits)		81		22
Ending balance		327		327
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		206		206
Activity in Allowance for Loan Losses:
Beginning balance	431		282
Provisions (Credits)	(61)		45
Ending balance	370		370		282
Beginning balance		83		107	107
Provisions (Credits)		123		99
Ending balance		206		206
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		201		201
Activity in Allowance for Loan Losses:
Beginning balance	174		307
Provisions (Credits)	(1)		(60)
Ending balance	173		173		307
Beginning balance		198		212	212
Provisions (Credits)		3		(11)
Ending balance		201		201
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		1,493		1,493
Activity in Allowance for Loan Losses:
Beginning balance	1,484		1,714
Provisions (Credits)	192		483
Charge-offs	(8)		(34)		(34)
Ending balance	1,668		1,668		1,714
Beginning balance		1,322		1,193	1,193
Provisions (Credits)		162		231
Recoveries		9		69
Ending balance		1,493		1,493
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		1,922		1,922
Activity in Allowance for Loan Losses:
Beginning balance	1,434		1,247
Provisions (Credits)	(209)		(186)
Charge-offs	(24)		(48)		(48)
Recoveries	11		39
Ending balance	1,212		1,212		1,247
Beginning balance		2,088		2,122	2,122
Provisions (Credits)		(177)		(49)
Charge-offs				(190)
Recoveries		11		39
Ending balance		1,922		1,922
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		478		478
Activity in Allowance for Loan Losses:
Beginning balance	446		498
Provisions (Credits)	129		226
Charge-offs	(95)		(305)		(305)
Recoveries	25		69
Ending balance	505		505		498
Beginning balance		542		448	$ 448
Provisions (Credits)		(27)		161
Charge-offs		(46)		(167)
Recoveries		9		36
Ending balance		$ 478		$ 478
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	9 Months Ended
	Jun. 30, 2023	Jun. 30, 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	$ 15,016	$ 14,611
Loans with no related allowance recorded, Interest Income Recognized	39	116
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	2,920	3,051
Total, Recorded Investment			15,214
Total, Unpaid Principal Balance			18,990
Total, Related Allowance			563
Total, Average Recorded Investment	17,936	17,662
Total, Interest Income Recognized	39	116
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	3,306	3,070
Loans with no related allowance recorded, Interest Income Recognized	16	46
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
Loans with an allowance recorded, Average Recorded Investment	250	125
Total, Recorded Investment			3,312
Total, Unpaid Principal Balance			3,467
Total, Related Allowance			74
Total, Average Recorded Investment	3,556	3,195
Total, Interest Income Recognized	16	46
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	970
Loans with no related allowance recorded, Interest Income Recognized	8	21
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	970
Total, Interest Income Recognized	8	21
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	8,427	8,189
Loans with an allowance recorded, Average Recorded Investment	1,201	1,433
Total, Recorded Investment			7,415
Total, Unpaid Principal Balance			9,397
Total, Average Recorded Investment	9,628	9,622
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	375	384
Loans with no related allowance recorded, Interest Income Recognized	4	14
Total, Recorded Investment			318
Total, Unpaid Principal Balance			362
Total, Average Recorded Investment	375	384
Total, Interest Income Recognized	4	14
Commercial Business
Loans and Allowance for Loan Losses
Loans with no related allowance recorded, Average Recorded Investment	815	947
Loans with no related allowance recorded, Interest Income Recognized	11	35
Loans with an allowance recorded, Average Recorded Investment	135	101
Total, Average Recorded Investment	950	1,048
Total, Interest Income Recognized	11	35
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	1,070	986
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	1,138	1,202
Total, Recorded Investment			1,122
Total, Unpaid Principal Balance			2,436
Total, Related Allowance			187
Total, Average Recorded Investment	2,208	2,188
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	54	65
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	196	190
Total, Recorded Investment			233
Total, Unpaid Principal Balance			247
Total, Related Allowance			189
Total, Average Recorded Investment	$ 250	$ 255
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	Jun. 30, 2024	Sep. 30, 2023
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	$ 16,754	$ 15,214
Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	13,509
Other
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	3,245
Residential
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	4,047	3,312
Residential \| Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	4,047
Commercial real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	622	868
Commercial real estate \| Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	622
SBA commercial real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	8,564	7,415
SBA commercial real estate \| Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	8,564
Multifamily
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	276	318
Multifamily \| Real estate
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	276
Undisbursed portion of commercial and personal lines of credit
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	1,464	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	1,464
SBA commercial business
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	1,751	1,122
SBA commercial business \| Other
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	1,751
Consumer
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	30	$ 233
Consumer \| Other
Loans and Allowance for Credit Losses
Amortized cost basis of collateral dependent loans individually evaluated	$ 30

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Nonperforming loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	$ 16,754
Nonaccural Loans with No Allowance for Credit loses	12,723
Total Nonaccrual Loans		$ 13,948
Residential real estate
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	4,047
Nonaccural Loans with No Allowance for Credit loses	2,568
Total Nonaccrual Loans		2,426
Commercial real estate
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	622
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	8,564
Nonaccural Loans with No Allowance for Credit loses	6,763
Total Nonaccrual Loans		7,415
Multifamily
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	276
Nonaccural Loans with No Allowance for Credit loses	276
Total Nonaccrual Loans		318
Commercial Business
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	1,464
Nonaccural Loans with No Allowance for Credit loses	1,300
Total Nonaccrual Loans		1,946
SBA commercial business
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	1,751
Nonaccural Loans with No Allowance for Credit loses	1,290
Total Nonaccrual Loans		1,099
Consumer
Loans and Allowance for Credit Losses
Total Nonaccrual Loans	30
Nonaccural Loans with No Allowance for Credit loses	$ 30
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	Jun. 30, 2024	Sep. 30, 2023
Loans and Allowance for Loan Losses
Total loans	$ 1,845,970	$ 1,845,970
Total loans		1,786,194
30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	2,099	3,921
60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	449	199
90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	8,177	6,499
Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	10,725	10,619
Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,835,245	1,775,575
Residential real estate
Loans and Allowance for Loan Losses
Total loans	536,127	536,127
Total loans		528,410
Residential real estate \| 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	566	2,715
Residential real estate \| 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	449	132
Residential real estate \| 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	2,422	1,818
Residential real estate \| Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3,437	4,665
Residential real estate \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	532,690	523,745
Commercial real estate
Loans and Allowance for Loan Losses
Total loans	185,654	185,654
Total loans		187,232
Commercial real estate \| 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	1,006	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	1,502	85
Commercial real estate \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	184,152	187,147
Single tenant net lease
Loans and Allowance for Loan Losses
Total loans	749,527	749,527
Total loans		757,388
Single tenant net lease \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	749,527	757,388
SBA commercial real estate
Loans and Allowance for Loan Losses
Total loans	51,895	51,895
Total loans		47,078
SBA commercial real estate \| 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	79	764
SBA commercial real estate \| 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	4,721	3,877
SBA commercial real estate \| Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	4,800	4,641
SBA commercial real estate \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	47,095	42,437
Multifamily
Loans and Allowance for Loan Losses
Total loans	41,561	41,561
Total loans		34,892
Multifamily \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	41,561	34,892
Residential construction
Loans and Allowance for Loan Losses
Total loans	51,037	51,037
Total loans		24,924
Residential construction \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	51,037	24,924
Commercial construction
Loans and Allowance for Loan Losses
Total loans	20,271	20,271
Total loans		14,588
Commercial construction \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	20,271	14,588
Land and land development
Loans and Allowance for Loan Losses
Total loans	16,406	16,406
Total loans		17,234
Land and land development \| 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3	40
Land and land development \| Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	3	40
Land and land development \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	16,403	17,194
Commercial Business
Loans and Allowance for Loan Losses
Total loans	134,469	134,469
Total loans		117,594
Commercial Business \| 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment		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	37	198
Commercial Business \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	134,432	117,396
SBA commercial business
Loans and Allowance for Loan Losses
Total loans	18,853	18,853
Total loans		16,939
SBA commercial business \| 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	19	130
SBA commercial business \| 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	473	682
SBA commercial business \| Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	492	812
SBA commercial business \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	18,361	16,127
Consumer
Loans and Allowance for Loan Losses
Total loans	40,170	40,170
Total loans		39,915
Consumer \| 30 to 59 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	426	137
Consumer \| 60 to 89 Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment		5
Consumer \| 90+ Days Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	28	36
Consumer \| Total Past Due
Loans and Allowance for Loan Losses
Financing receivable recorded investment	454	178
Consumer \| Current
Loans and Allowance for Loan Losses
Financing receivable recorded investment	$ 39,716	$ 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	9 Months Ended	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			$ 161,446
2023			339,616
2022			458,463
2021			139,701
2020			145,313
Prior			267,487
Revolving Loans			333,944
Total	$ 1,845,970	$ 1,845,970	1,845,970
2023			4
2021			39
2020			16
Prior			74
Revolving Loans			328
Total	199	461	461
Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			161,003
2023			337,275
2022			457,859
2021			139,187
2020			143,435
Prior			256,533
Revolving Loans			333,121
Total			1,828,413
Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			443
2023			2,341
2022			604
2021			514
2020			1,878
Prior			9,295
Revolving Loans			823
Total			15,898
Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			1,642
Total			1,642
Loss
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			17
Total			17
Residential
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			58,765
2023			38,298
2022			46,496
2021			19,426
2020			11,474
Prior			56,315
Revolving Loans			305,353
Total	536,127	536,127	536,127
2021			1
Prior			6
Revolving Loans			28
Total	35	35	35
Residential \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			58,322
2023			37,531
2022			46,218
2021			19,153
2020			11,474
Prior			55,790
Revolving Loans			304,556
Total			533,044
Residential \| Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			443
2023			767
2022			278
2021			273
Prior			507
Revolving Loans			797
Total			3,065
Residential \| Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			18
Total			18
Commercial real estate
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			13,155
2023			28,683
2022			62,595
2021			22,099
2020			7,910
Prior			51,212
Total	185,654	185,654	185,654
Commercial real estate \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			13,155
2023			28,061
2022			62,595
2021			22,099
2020			7,888
Prior			51,041
Total			184,839
Commercial real estate \| Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			622
2020			22
Prior			171
Total			815
Single tenant net lease
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			24,129
2023			149,782
2022			275,648
2021			71,766
2020			100,282
Prior			127,920
Total	749,527	749,527	749,527
Single tenant net lease \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			24,129
2023			149,782
2022			275,648
2021			71,766
2020			100,282
Prior			127,920
Total			749,527
SBA commercial real estate
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			3,785
2023			8,769
2022			9,075
2021			6,964
2020			8,934
Prior			14,325
Revolving Loans			43
Total	51,895	51,895	51,895
2020			11
Prior			28
Total	37	39	39
SBA commercial real estate \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			3,785
2023			8,769
2022			8,913
2021			6,821
2020			7,168
Prior			6,405
Revolving Loans			43
Total			41,904
SBA commercial real estate \| Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2022			162
2021			143
2020			1,766
Prior			6,296
Total			8,367
SBA commercial real estate \| Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			1,624
Total			1,624
Multifamily
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			5,177
2023			2,585
2022			11,490
2021			5,464
2020			11,247
Prior			5,598
Total	41,561	41,561	41,561
Multifamily \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			5,177
2023			2,585
2022			11,490
2021			5,464
2020			11,247
Prior			5,322
Total			41,285
Multifamily \| Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			276
Total			276
Residential construction
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			8,495
2023			28,250
2022			14,292
Total	51,037	51,037	51,037
Residential construction \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			8,495
2023			28,250
2022			14,292
Total			51,037
Commercial construction
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			68
2023			15,960
2022			4,243
Total	20,271	20,271	20,271
Commercial construction \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			68
2023			15,960
2022			4,243
Total			20,271
Land and land development
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			696
2023			8,080
2022			5,206
2021			982
2020			383
Prior			1,059
Total	16,406	16,406	16,406
Land and land development \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			696
2023			8,080
2022			5,206
2021			982
2020			383
Prior			1,059
Total			16,406
Commercial Business
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			38,268
2023			52,580
2022			25,392
2021			11,293
2020			792
Prior			6,144
Total	134,469	134,469	134,469
2021			32
Prior			2
Total	8	34	34
Commercial Business \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			38,268
2023			51,632
2022			25,228
2021			11,249
2020			788
Prior			5,797
Total			132,962
Commercial Business \| Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			948
2022			164
2021			44
2020			4
Prior			347
Total			1,507
SBA commercial business
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			5,016
2023			2,568
2022			716
2021			1,257
2020			4,084
Prior			4,828
Revolving Loans			384
Total	18,853	18,853	18,853
2021			5
2020			5
Prior			38
Total	24	48	48
SBA commercial business \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			5,016
2023			2,568
2022			716
2021			1,203
2020			3,998
Prior			3,113
Revolving Loans			384
Total			16,998
SBA commercial business \| Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2021			54
2020			86
Prior			1,698
Total			1,838
SBA commercial business \| Loss
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior			17
Total			17
Consumer
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			3,892
2023			4,061
2022			3,310
2021			450
2020			207
Prior			86
Revolving Loans			28,164
Total	40,170	40,170	40,170
2023			4
2021			1
Revolving Loans			300
Total	$ 95	$ 305	305
Consumer \| Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024			3,892
2023			4,057
2022			3,310
2021			450
2020			207
Prior			86
Revolving Loans			28,138
Total			40,140
Consumer \| Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023			4
Revolving Loans			26
Total			$ 30

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	Jun. 30, 2023 USD ($)
Loans and Allowance for Loan Losses
Accruing	$ 2,373
Nonaccrual	2,379
Total	4,752
Residential real estate
Loans and Allowance for Loan Losses
Accruing	1,015
Total	1,015
Commercial real estate
Loans and Allowance for Loan Losses
Accruing	365
Nonaccrual	524
Total	889
SBA commercial real estate
Loans and Allowance for Loan Losses
Nonaccrual	1,625
Total	1,625
Multifamily
Loans and Allowance for Loan Losses
Accruing	327
Total	327
Commercial Business
Loans and Allowance for Loan Losses
Accruing	666
Total	666
SBA commercial business
Loans and Allowance for Loan Losses
Nonaccrual	230
Total	$ 230

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses - TDR (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Jun. 30, 2023 USD ($) item	Jun. 30, 2023 USD ($) item
Financing Receivable, Modifications [Line Items]
Number of Loans \| item	1	1
Pre-Modification Principal Balance	$ 31	$ 31
Post-Modification Principal Balance	$ 31	$ 31
Residential real estate
Financing Receivable, Modifications [Line Items]
Number of Loans \| item	1	1
Pre-Modification Principal Balance	$ 31	$ 31
Post-Modification Principal Balance	$ 31	$ 31

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		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Loans and Allowance for Loan Losses
Balance, beginning of period			$ 2,950
Balance, end of period	$ 2,788		2,788
Small Business Administration Loans
Loans and Allowance for Loan Losses
Balance, beginning of period	2,950	$ 3,727	2,950	$ 3,790
Servicing rights capitalized	156	147	691	606
Amortization	(140)	(237)	(420)	(623)
Direct write-offs	(178)	(263)	(493)	(578)
Change in valuation allowance			60	179
Balance, end of period	2,788	3,374	2,788	3,374
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Balance, beginning of period		61,194	59,768	63,263
Servicing rights capitalized		764	509	1,202
Direct write-offs			(59,464)
Loan repayments		(1,073)	(672)	(3,137)
Gain (Loss) on sale of MSRs			(4)
Changes in valuation model inputs or assumptions		(236)	(137)	(679)
Balance, end of period		60,649		60,649
Nonresidential MSR
Loans and Allowance for Loan Losses
Balance, beginning of period	77	124	101	141
Amortization	(5)	(8)	(18)	(25)
Direct write-offs			(11)
Balance, end of period	$ 72	$ 116	$ 72	$ 116

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		9 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
Loans and Allowance for Loan Losses
Loans transferred from held for investment to held for sale			$ 108,795,000
Mortgage loans in process of foreclosure amount	$ 509,000		509,000		$ 539,000
Interest income related to nonaccrual loans	0		0
Amount of new and modification FDMs		$ 0	0
Loans and leases receivable impaired commitment to lend		1,000		$ 1,000
Financing receivable allowance for credit losses, Write-downs		93,000		481,000
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		444,000,000
Financing receivable allowance for credit losses, Write-downs		8,000		8,000
Impaired financing receivable, Unpaid principal balance					3,467,000
SBA Lending
Loans and Allowance for Loan Losses
Servicing assets valuation allowance	0		0		60,000
SBA
Loans and Allowance for Loan Losses
Unpaid principal balance of loans	209,700,000	223,200,000	209,700,000	223,200,000	209,600,000
SBA \| Bank Servicing
Loans and Allowance for Loan Losses
Revenue from Contract with Customer	2,000	35,000	6,000	70,000
Net servicing income	457,000	578,000	1,400,000	1,700,000
Troubled Debt Restructuring
Loans and Allowance for Loan Losses
Loans and leases receivable allowance covered		101,000		101,000
Financing receivable allowance for credit losses, Write-downs				6,000
Mortgage Servicing Rights.
Loans and Allowance for Loan Losses
Unpaid principal balance of loans	0		0
Revenue from Contract with Customer	(12,000)	2,400,000	1,500,000	7,200,000
Impaired financing receivable, Unpaid principal balance					4,770,000,000
Escrow balances maintained with foregoing loan servicing and other liabilities	0		0		47,900,000
Nonresidential MSR
Loans and Allowance for Loan Losses
Unpaid principal balance of loans	35,200,000	43,500,000	35,200,000	43,500,000	40,400,000
Revenue from Contract with Customer	1,000	$ 8,000	5,000	$ 22,000
Servicing assets valuation allowance	$ 0		$ 0		$ 0

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Deposits
Noninterest-bearing demand deposits	$ 201,854	$ 242,237
NOW accounts	330,347	336,446
Money market accounts	365,098	323,739
Savings accounts	155,312	170,073
Retail time deposits	260,386	170,980
Brokered & reciprocal time deposits	399,151	438,319
Total deposits	$ 1,712,148	$ 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		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Basic:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders	$ 4,073	$ 2,324	$ 9,920	$ 8,919
Shares:
Weighted average common shares outstanding, basic	6,832,452	6,816,608	6,829,490	6,858,739
Net income per common share, basic	$ 0.60	$ 0.34	$ 1.45	$ 1.30
Diluted:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders	$ 4,073	$ 2,324	$ 9,920	$ 8,919
Shares:
Weighted average common shares outstanding, basic	6,832,452	6,816,608	6,829,490	6,858,739
Add: Dilutive effect of outstanding options	2,332	3,140	21,655	35,027
Weighted average common shares outstanding, as adjusted	6,834,784	6,819,748	6,851,145	6,893,766
Net income per common share, diluted	$ 0.60	$ 0.34	$ 1.45	$ 1.29

Supplemental Disclosure for N_4

Supplemental Disclosure for Net Income Per Share - Additional Information (Details) - shares	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 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	449,797	282,489	340,972	282,489

Fair Value Measurements and D_3

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 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 $107 at June 30, 2024	$ 237,651	$ 227,739
Residential mortgage loans held for sale - fair value option elected	3,077	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 $107 at June 30, 2024	26,450	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 $107 at June 30, 2024	23,805	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 $107 at June 30, 2024	12,313	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 $107 at June 30, 2024	258	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 $107 at June 30, 2024	354	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 $107 at June 30, 2024	10,800	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 $107 at June 30, 2024	161,876	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 $107 at June 30, 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 $107 at June 30, 2024	237,651	227,739
Residential mortgage loans held for sale - fair value option elected	3,077	24,692
Derivative assets (included in other assets)		923
Equity securities (included in other assets)	623	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 $107 at June 30, 2024	26,450	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 $107 at June 30, 2024	23,805	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 $107 at June 30, 2024	12,313	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 $107 at June 30, 2024	258	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 $107 at June 30, 2024	354	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 $107 at June 30, 2024	10,800	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 $107 at June 30, 2024	161,876	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 $107 at June 30, 2024	1,795	1,712
Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	2,583	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 collateral dependent loans	1,172	306
Fair Value, Measurements, Nonrecurring \| Commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	120
Fair Value, Measurements, Nonrecurring \| SBA commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	940
Fair Value, Measurements, Nonrecurring \| Commercial Business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	89	965
Fair Value, Measurements, Nonrecurring \| SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	262	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 $107 at June 30, 2024	26,450	25,949
Equity securities (included in other assets)	187	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 $107 at June 30, 2024	26,450	25,949
Equity securities (included in other assets)	187	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 $107 at June 30, 2024	26,450	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 $107 at June 30, 2024	209,060	201,330
Equity securities (included in other assets)	436
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 $107 at June 30, 2024	209,060	201,330
Residential mortgage loans held for sale - fair value option elected	3,077	24,692
Derivative assets (included in other assets)		471
Equity securities (included in other assets)	436
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 $107 at June 30, 2024	23,805	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 $107 at June 30, 2024	12,313	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 $107 at June 30, 2024	19	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 $107 at June 30, 2024	277	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 $107 at June 30, 2024	10,770	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 $107 at June 30, 2024	161,876	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 $107 at June 30, 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 $107 at June 30, 2024	2,141	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 $107 at June 30, 2024	2,141	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 $107 at June 30, 2024	239	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 $107 at June 30, 2024	77	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 $107 at June 30, 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 $107 at June 30, 2024	1,795
Level 3 \| Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	2,583	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 collateral dependent loans	1,172	306
Level 3 \| Fair Value, Measurements, Nonrecurring \| Commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	120
Level 3 \| Fair Value, Measurements, Nonrecurring \| SBA commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	940
Level 3 \| Fair Value, Measurements, Nonrecurring \| Commercial Business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	89	965
Level 3 \| Fair Value, Measurements, Nonrecurring \| SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	$ 262	$ 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	9 Months Ended
	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Beginning balance	$ 1,348	$ 268	$ (238)
Unrealized gains (losses) recognized in earnings, net of settlements	(674)	$ (268)	912
Ending balance	$ 674		$ 674

Fair Value Measurements and D_5

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a recurring basis (Details) - Interest rate lock commitments	Jun. 30, 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)	Jun. 30, 2024	Sep. 30, 2023
Estimated market rate \| Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	0	10
Estimated market rate \| Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	35	50
Estimated market rate \| Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	(6.88)	(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 and other investment security measured at fair value (Details) - Level 3	Jun. 30, 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 \| Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		10.25
SBA loan servicing rights \| Estimated market rate \| Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		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 \| Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		8.60
SBA loan servicing rights \| Prepayment speed \| Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		32.85
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 \| Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment security	9
Other investment security \| Estimated market rate \| Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment security	10
Other investment security \| Estimated market rate \| Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment security	(9.25)

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) - Available for sale investment securities - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Beginning balance	$ 1,554	$ 460
Transfers from Level 2 to Level 3		1,200
Change in value	587	481
Ending balance	$ 2,141	$ 2,141

Fair Value Measurements and D_9

Fair Value Measurements and Disclosures about Fair Value of Financial Instruments - Additional information (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) item	Jun. 30, 2023 USD ($)	Sep. 30, 2023 item
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Loans transferred from held for investment to held for sale			$ 108,795,000
Derivative assets and liabilities held	$ 0	$ 912,000	0	$ 912,000
Impairment charges on nonresidential mortgage loan servicing rights	0	0	$ 0	0
Number of loans were 90 days or more past due \| item			0		0
Available for sale investment securities
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment securities transferred into or out of the Level3		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	$ 727,000	$ 261,000	1,400,000	825,000
SBA commercial
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Impairment charges on loan			$ 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	Jun. 30, 2024	Sep. 30, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Residential mortgage loans held for sale Aggregate Fair Value	$ 3,077	$ 24,692
Residential mortgage loans held for sale Aggregate Principal Balance	3,008	24,382
Residential mortgage loans held for sale Difference	$ 68	$ 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		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total gains and interest included in earnings	$ 84	$ 470	$ 414	$ 2,237
Interest income
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Interest income	77	704	443	1,521
Mortgage Banking
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Gains (losses) - included in mortgage banking income	$ 7	$ (234)	$ (29)	$ 716

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	Jun. 30, 2024
Financial assets:
Cash and due from banks	$ 18,014	$ 20,414
Interest-bearing deposits with banks	12,831	22,009
Debt securities available for sale, Fair Value	227,739	237,651
Debt securities held to maturity	1,300	1,134
Residential home equity lines of credit held for sale		108,795
Loans, net	1,770,243
SBA loan servicing rights	2,950	2,788
Financial liabilities:
Noninterest-bearing demand deposits	242,237	201,854
Interest-bearing deposits	1,439,557	1,510,294
Borrowings from FHLB	363,183	425,000
Accrued interest payable	8,926	8,882
Advance payments by borrowers for taxes and insurance	1,027	592
Level 1
Financial assets:
Cash and due from banks	18,014	20,414
Interest-bearing deposits with banks	12,831	22,009
Debt securities available for sale, Fair Value	25,949	26,450
Equity securities (included in other assets)	160	187
Financial liabilities:
Noninterest-bearing demand deposits	242,237	201,854
Level 2
Financial assets:
Interest-bearing time deposits	490	490
Debt securities available for sale, Fair Value	201,330	209,060
Debt securities held to maturity	38	31
Residential mortgage loans held for sale	24,692	3,077
Residential home equity lines of credit held for sale		109,883
SBA loans held for sale	22,591
Accrued interest receivable	10,161	12,014
Derivative assets (included in other assets)	471
Equity securities (included in other assets)		436
Financial liabilities:
Borrowings from FHLB	356,257	420,710
Subordinated note	46,940	47,537
Accrued interest payable	8,926	8,882
Advance payments by borrowers for taxes and insurance	1,027	592
Derivative liabilities (included in other liabilities)	12
Level 3
Financial assets:
Debt securities available for sale, Fair Value	460	2,141
Debt securities held to maturity	1,265	1,112
SBA loans held for sale		15,375
Loans, net	1,651,115
Loans, net		1,725,938
SBA loan servicing rights	2,950	3,000
Residential mortgage loan servicing rights	59,768
Nonresidential mortgage loan servicing rights	101	72
Derivative assets (included in other assets)	452
Financial liabilities:
Interest-bearing deposits	1,435,083	1,507,145
Derivative liabilities (included in other liabilities)	184
Estimate of fair value measurement
Financial assets:
Cash and due from banks	18,014	20,414
Interest-bearing deposits with banks	12,831	22,009
Interest-bearing time deposits	490	490
Debt securities available for sale, Fair Value	227,739	237,651
Debt securities held to maturity	1,300	1,134
Residential mortgage loans held for sale	24,692	3,077
Residential home equity lines of credit held for sale		108,795
SBA loans held for sale	21,163	13,987
Loans, net	1,770,243
Loans, net		1,826,980
FRB and FHLB stock	24,939	24,986
Accrued interest receivable	10,161	12,014
SBA loan servicing rights	2,950	2,788
Residential mortgage loan servicing rights	59,768
Nonresidential mortgage loan servicing rights	101	72
Derivative assets (included in other assets)	923
Equity securities (included in other assets)	160	623
Financial liabilities:
Noninterest-bearing demand deposits	242,237	201,854
Interest-bearing deposits	1,439,557	1,510,294
Borrowings from FHLB	363,183	425,000
Subordinated note	48,444	48,563
Accrued interest payable	8,926	8,882
Advance payments by borrowers for taxes and insurance	1,027	$ 592
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		9 Months Ended
	Oct. 06, 2008	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
Employee Stock Ownership Plan
Total ESOP shares	203,363	262,176		262,176		293,695
Compensation expense recognized		$ 0	$ 0	$ 0	$ 0
Employee stock ownership plan (per share)	$ 10

Stock Based Compensation Plan_2

Stock Based Compensation Plans - Fair Value Of Options Granted (Details) - $ / shares	9 Months Ended
	Jun. 30, 2024	Jun. 30, 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	3 Months Ended	9 Months Ended
	Jun. 30, 2024 USD ($) $ / shares shares	Jun. 30, 2024 USD ($) $ / shares shares
Number of Shares
Outstanding at beginning of year \| shares		408,669
Granted \| shares		62,983
Exercised \| shares	(2,955)	(2,955)
Forfeited or expired \| shares		(5,700)
Outstanding at end of year \| shares	462,997	462,997
Exercisable at end of year \| shares	272,484	272,484
Weighted Average Exercise Price
Outstanding at beginning of year \| $ / shares		$ 17.15
Granted \| $ / shares		15.10
Exercised \| $ / shares		13.36
Forfeited or expired \| $ / shares		18.17
Outstanding at end of year \| $ / shares	$ 20.09	20.09
Exercisable at end of year \| $ / shares	$ 19.43	$ 19.43
Weighted Average Remaining Contractual Term (Years)
Outstanding at end of period		4 years 9 months 18 days
Exercisable at end of period		4 years 7 months 6 days
Aggregate Intrinsic Value
Outstanding at end of period \| $	$ 710	$ 710
Exercisable at end of period \| $	$ 540	$ 540

Stock Based Compensation Plan_4

Stock Based Compensation Plans - Non vested Restricted Shares (Details) - Restricted stock - $ / shares	1 Months Ended	9 Months Ended
	Nov. 30, 2023	Jun. 30, 2024	Jun. 30, 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		9 Months Ended
	Nov. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Stock Based Compensation Plans
Vesting period				5 years
Terms of award				P10Y
Proceeds from exercise of stock options				$ 39,000
Stock option exercises - shares		2,955		2,955
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
Compensation expense		$ 78,000	$ 75,000	$ 231,000	$ 228,000
Unrecognized compensation expenses related to nonvested stock options		$ 777,000		777,000
Proceeds from exercise of stock options				39,000	0
Tax benefit from the exercise of stock options				$ 0	$ 0
Stock option exercises - shares				2,955	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		$ 97,000	$ 98,000	$ 292,000	$ 298,000
Unrecognized compensation expenses related to nonvested stock options		$ 999,000		$ 999,000
weighted average period of compensation expense (in years)				3 years 1 month 17 days
Restricted shares vested				16,158	16,408
Fair value of restricted shares				$ 244,000	$ 244,000
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	Jun. 30, 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	9 Months Ended
	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 423	$ 86	$ 1,033
Interest rate lock commitments
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	(674)	(268)	912
Forward mortgage loan sale contracts
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 1,097	$ 354	$ 121

Derivative Financial Instrume_5

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

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Jun. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)
Consolidated
Regulatory Capital
Total capital (to risk weighted assets) Actual Amount	$ 239,954	$ 230,735
Tier 1 capital (to risk-weighted assets) Actual Amount	176,347	165,391
Common equity tier 1 capital (to risk-weighted assets) Actual Amount	176,347	165,391
Tier 1 capital (to average adjusted total assets) Actual Amount	$ 176,347	$ 165,391
Total capital (to risk weighted assets) Actual Ratio	0.1232	0.1147
Tier 1 capital (to risk-weighted assets) Actual Ratio	0.0906	0.0822
Common equity tier 1 capital (to risk-weighted assets) Actual Ratio	0.0906%	0.0822%
Tier 1 capital (to average adjusted total assets) Actual Ratio	0.0738	0.0724
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Amount	$ 155,778	$ 160,965
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	116,834	120,724
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	87,625	90,543
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Amount	$ 95,561	$ 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	$ 238,654	$ 226,461
Tier 1 capital (to risk-weighted assets) Actual Amount	219,610	209,561
Common equity tier 1 capital (to risk-weighted assets) Actual Amount	219,610	209,561
Tier 1 capital (to average adjusted total assets) Actual Amount	$ 219,610	$ 209,561
Total capital (to risk weighted assets) Actual Ratio	0.1226	0.1127
Tier 1 capital (to risk-weighted assets) Actual Ratio	0.1128	0.1042
Common equity tier 1 capital (to risk-weighted assets) Actual Ratio	0.1128%	0.1042%
Tier 1 capital (to average adjusted total assets) Actual Ratio	0.0919	0.0917
Total capital (to risk weighted assets) Minimum For Capital Adequacy Purposes Amount	$ 155,746	$ 160,822
Tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	116,809	120,616
Common equity tier 1 capital (to risk-weighted assets) Minimum For Capital Adequacy Purposes Amount	87,607	90,462
Tier 1 capital (to average adjusted total assets) Minimum For Capital Adequacy Purposes Amount	$ 95,545	$ 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	$ 194,682	$ 201,027
Tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	155,746	160,822
Common equity tier 1 capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	126,544	130,668
Tier 1 capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 119,431	$ 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	9 Months Ended
	Jun. 30, 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	Jun. 30, 2024	Oct. 01, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2022
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				$ 16,838	$ 16,458	$ 15,360
Liabilities
Allowance for credit losses on off balance sheet credit exposures	$ 1,781		$ 0
Residential real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				4,132	3,537	2,716
Commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				1,783	1,783	1,590
Single tenant net lease
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				3,723	3,726	3,838
SBA commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				2,308	2,607	2,578
Multifamily
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				265	326	251
Residential construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				327	246	305
Commercial construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				206	83	107
Land and land development
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				201	198	212
Commercial Business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				1,493	1,322	1,193
SBA commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				1,922	2,088	2,122
Consumer
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans				$ 478	$ 542	$ 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		19,718
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		9 Months Ended
Segment Reporting (Details)	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) segment	Jun. 30, 2023 USD ($)	Sep. 30, 2023 USD ($)
SEGMENT REPORTING
Number of operating segments \| segment			3
Net interest income	$ 14,534,000	$ 14,865,000	$ 42,985,000	$ 46,038,000
Provision for credit losses - loans	501,000	441,000	1,684,000	1,797,000
Provision (credit) for unfunded lending commitments	158,000	0	(159,000)	0
Provision for credit losses - securities	84,000		107,000
Net interest income after provision	13,791,000	14,424,000	41,353,000	44,241,000
Net gains on sales of loans, SBA	581,000	497,000	2,366,000	2,179,000
Mortgage banking income (loss)	49,000	4,668,000	191,000	11,313,000
Noninterest income	3,196,000	7,196,000	9,688,000	19,900,000
Noninterest expense	12,431,000	18,965,000	40,248,000	54,475,000
Income (loss) before taxes	4,556,000	2,655,000	10,793,000	9,666,000
Income tax expense (benefit)	483,000	331,000	873,000	747,000
Segment profit (loss)	4,073,000	2,324,000	9,920,000	8,919,000
Non-cash items:
Depreciation and amortization	590,000	645,000	1,791,000	1,907,000
Segment assets	2,393,491,000	2,260,421,000	2,393,491,000	2,260,421,000	$ 2,288,854,000
Core Banking
SEGMENT REPORTING
Net interest income	13,590,000	13,407,000	40,169,000	42,047,000
Provision for credit losses - loans	320,000	881,000	1,238,000	2,003,000
Provision (credit) for unfunded lending commitments	64,000		(253,000)
Provision for credit losses - securities	84,000		107,000
Net interest income after provision	13,122,000	12,526,000	39,077,000	40,044,000
Mortgage banking income (loss)	49,000	16,000	191,000	8,000
Noninterest income	2,474,000	1,965,000	6,790,000	5,626,000
Noninterest expense	10,192,000	11,010,000	34,178,000	31,458,000
Income (loss) before taxes	5,404,000	3,481,000	11,689,000	14,212,000
Income tax expense (benefit)	689,000	561,000	1,073,000	1,908,000
Segment profit (loss)	4,715,000	2,920,000	10,616,000	12,304,000
Non-cash items:
Depreciation and amortization	588,000	618,000	1,786,000	1,817,000
Segment assets	2,305,240,000	2,058,442,000	2,305,240,000	2,058,442,000
SBA Lending
SEGMENT REPORTING
Net interest income	944,000	1,098,000	2,816,000	3,186,000
Provision for credit losses - loans	181,000	(440,000)	446,000	(206,000)
Provision (credit) for unfunded lending commitments	94,000		94,000
Net interest income after provision	669,000	1,538,000	2,276,000	3,392,000
Net gains on sales of loans, SBA	581,000	497,000	2,366,000	2,179,000
Noninterest income	722,000	580,000	2,898,000	2,970,000
Noninterest expense	2,239,000	2,107,000	6,070,000	6,693,000
Income (loss) before taxes	(848,000)	11,000	(896,000)	(331,000)
Income tax expense (benefit)	(206,000)	(21,000)	(200,000)	(108,000)
Segment profit (loss)	(642,000)	32,000	(696,000)	(223,000)
Non-cash items:
Depreciation and amortization	2,000	5,000	5,000	16,000
Segment assets	$ 88,251,000	84,394,000	$ 88,251,000	84,394,000
Mortgage Banking
SEGMENT REPORTING
Net interest income		360,000		805,000
Net interest income after provision		360,000		805,000
Mortgage banking income (loss)		4,652,000		11,305,000
Noninterest income		4,651,000		11,304,000
Noninterest expense		5,848,000		16,324,000
Income (loss) before taxes		(837,000)		(4,215,000)
Income tax expense (benefit)		(209,000)		(1,053,000)
Segment profit (loss)		(628,000)		(3,162,000)
Non-cash items:
Depreciation and amortization		22,000		74,000
Segment assets		$ 117,585,000		$ 117,585,000

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Revenue from Contracts with Customers
Revenue from contracts with customers	$ 1,377	$ 1,398	$ 3,769	$ 4,129
Loss on sale of securities		(540)		(540)
Net unrealized gain on equity securities	419	11	463	46
Gain on sale of SBA loans	581	497	2,366	2,179
Mortgage banking income	49	4,668	191	11,313
Increase in cash value of life insurance	353	279	1,015	770
Real estate lease income	154	119	384	353
Loan servicing and other income	263	764	1,500	1,650
Other noninterest income	1,819	5,798	5,919	15,771
Total noninterest income	3,196	7,196	9,688	19,900
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenue from contracts with customers	538	509	1,398	1,538
ATM and interchange fees
Revenue from Contracts with Customers
Revenue from contracts with customers	593	615	1,627	1,940
Commission income
Revenue from Contracts with Customers
Revenue from contracts with customers	220	247	662	564
Other
Revenue from Contracts with Customers
Revenue from contracts with customers	$ 26	$ 27	$ 82	$ 87

Mortgage Banking Income (Detail

Mortgage Banking Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Mortgage Banking Income (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Mortgage Banking Income
Origination and sale of mortgage loans (1)	$ 60	$ 2,599	$ (1,142)	$ 5,216
Mortgage brokerage income		74	31	284
Net change in fair value of loans held for sale and interest rate lock commitments	7	(908)	(297)	1,627
Realized and unrealized gains (losses) from forward sales commitments		1,097	354	121
Capitalized residential mortgage loan servicing rights		764	509	1,202
Net change in fair value of residential mortgage loan servicing rights		(1,309)	(809)	(3,816)
Provisions for loan repurchases and indemnifications	(6)	(70)	13	(559)
Net loan servicing income (loss)	(12)	2,421	1,532	7,238
Total mortgage banking income	$ 49	$ 4,668	$ 191	$ 11,313