First Savings Financial (FSFG) 10-K 13 Dec 24 2024 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2024	Dec. 06, 2024	Mar. 31, 2024
Document And Entity Information
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 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, Suite 300,
Entity Address, City or Town	Jeffersonville
Entity Address, State or Province	IN
Entity Address, Postal Zip Code	47130
City Area Code	812
Local Phone Number	283-0724
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	FSFG
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 91.3
Entity Common Stock, Shares Outstanding		6,898,157
Entity Central Index Key	0001435508
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Amendment Flag	false
Auditor Name	Forvis Mazars, LLP
Auditor Firm ID	686
Auditor Location	Louisville, Kentucky

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
ASSETS
Cash and due from banks	$ 39,393	$ 18,014
Interest-bearing deposits with banks	12,749	12,831
Total cash and cash equivalents	52,142	30,845
Interest-bearing time deposits	490	490
Debt securities available for sale, at fair value, net of allowance for credit losses of $21 at September 30, 2024	248,679	227,739
Debt securities held to maturity	1,040	1,300
Loans held for sale, residential mortgage at fair value		24,692
Loans held for sale, Small Business Administration	25,716	21,163
Loans, net of allowance for credit losses of $21,294 at September 30, 2024 and $16,900 at September 30, 2023	1,963,852
Loans, net of allowance for credit losses of $21,294 at September 30, 2024 and $16,900 at September 30, 2023		1,770,243
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	24,986	24,939
Premises and equipment	26,462	27,861
Other real estate owned, held for sale	647	677
Accrued interest receivable:
Loans	9,447	7,809
Securities	1,929	2,352
Cash surrender value of life insurance	47,605	46,226
Goodwill	9,848	9,848
Core deposit intangibles	398	561
Residential mortgage loan servicing rights, at fair value	0	59,768
Nonresidential mortgage loan servicing rights	67	101
SBA loan servicing rights	2,687	2,950
Other assets	34,373	29,290
Total Assets	2,450,368	2,288,854
Deposits:
Noninterest-bearing	191,528	242,237
Interest-bearing	1,689,353	1,439,557
Total deposits	1,880,881	1,681,794
Federal Home Loan Bank borrowings	301,640	363,183
Other borrowings	48,603	48,444
Accrued interest payable	13,384	8,926
Advance payments by borrowers for taxes and insurance	931	1,027
Reserve for unfunded lending commitments	1,519
Accrued expenses and other liabilities	26,295	34,499
Total Liabilities	2,273,253	2,137,873
Commitments and contingent liabilities - see Note 17
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 7,802,351 shares (7,778,471 shares at September 30, 2023) outstanding 6,887,106 shares (6,867,121 shares at September 30, 2023)	78	78
Additional paid-in capital	27,647	26,986
Retained earnings	173,337	166,306
Accumulated other comprehensive loss	(11,195)	(29,587)
Unearned stock compensation	(901)	(1,015)
Treasury stock, at cost - 915,245 shares (911,350 shares at September 30, 2023)	(11,851)	(11,787)
Total Stockholders' Equity	177,115	150,981
Total Liabilities and Stockholders' Equity	$ 2,450,368	$ 2,288,854

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
CONSOLIDATED BALANCE SHEETS
Allowance for credit losses	$ 21
Loans, net of allowance for loan losses	$ 21,294
Loans, net of allowance for loan losses		$ 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	7,802,351	7,778,471
Common stock, shares outstanding	6,887,106	6,867,121
Treasury stock, shares	915,245	911,350

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
INTEREST INCOME
Loans, including fees	$ 110,396,000	$ 89,801,000	$ 62,109,000
Securities:
Taxable	3,694,000	3,865,000	2,334,000
Tax-exempt	5,292,000	7,259,000	5,861,000
Dividend income	1,563,000	1,435,000	729,000
Interest-bearing deposits with banks	1,043,000	869,000	161,000
Total interest income	121,988,000	103,229,000	71,194,000
INTEREST EXPENSE
Deposits	48,101,000	27,671,000	4,902,000
Federal funds purchased and repurchase agreements		1,000
Federal Home Loan Bank borrowings	12,609,000	10,739,000	3,333,000
Other borrowings	3,216,000	3,244,000	2,307,000
Total interest expense	63,926,000	41,655,000	10,542,000
Net interest income	58,062,000	61,574,000	60,652,000
Provision for credit losses-loans	3,492,000	2,612,000	1,908,000
Credit for unfunded lending commitments	(421,000)
Provision for credit losses - securities	21,000
Total provision for credit losses	3,092,000	2,612,000	1,908,000
Net interest income after provision for credit losses	54,970,000	58,962,000	58,744,000
NONINTEREST INCOME
Service charges on deposit accounts	1,950,000	2,017,000	1,864,000
ATM and interchange fees	2,269,000	2,756,000	2,753,000
Net gain (loss) on sales of available for sale securities		(551,000)	476,000
Net unrealized gain (loss) on equity securities	491,000	57,000	(10,000)
Other than temporary impairment loss on securities		(28,000)
Net gain on sales of loans, Small Business Administration	3,013,000	2,717,000	3,698,000
Net gain on sales of loans, single tenant net lease			719,000
Mortgage banking income	197,000	14,331,000	38,337,000
Increase in cash surrender value of life insurance	1,378,000	1,081,000	993,000
Commission income	956,000	746,000	717,000
Real estate lease income	506,000	469,000	571,000
Net gain on premises and equipment	116,000	49,000
Income from tax credit investment			12,000
Gain from repurchase of subordinated debt		660,000
Other income	1,654,000	1,038,000	1,097,000
Total noninterest income	12,530,000	25,342,000	51,227,000
NONINTEREST EXPENSE
Compensation and benefits	31,986,000	43,938,000	61,207,000
Occupancy and equipment	6,947,000	7,938,000	8,167,000
Data processing	2,617,000	4,861,000	2,623,000
Advertising	1,211,000	2,016,000	3,199,000
Professional fees	3,087,000	2,979,000	6,656,000
FDIC insurance premiums	2,154,000	1,675,000	527,000
Net loss on other real estate owned	12,000	4,000	115,000
Other operating expenses	4,876,000	12,711,000	10,168,000
Total noninterest expense	52,890,000	76,122,000	92,662,000
Income before income taxes	14,610,000	8,182,000	17,309,000
Income tax expense	1,018,000	10,000	1,923,000
Net Income	$ 13,592,000	$ 8,172,000	$ 15,386,000
Net income per share:
Basic (in dollars per share)	$ 1.99	$ 1.19	$ 2.18
Diluted (in dollars per share)	$ 1.98	$ 1.19	$ 2.15
Weighted average shares outstanding:
Basic (in shares)	6,830,466	6,848,311	7,058,550
Diluted (in shares)	6,856,520	6,880,072	7,141,846
Dividends per share	$ 0.59	$ 0.55	$ 0.51

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
Net Income	$ 13,592	$ 8,172	$ 15,386
Unrealized gains (losses) on securities available for sale:
Unrealized holding gains (losses) arising during the period	23,272	(3,772)	(45,068)
Income tax (expense) benefit	(4,897)	806	9,464
Net of tax amount	18,375	(2,966)	(35,604)
Less: reclassification adjustment for provision for credit losses on securities included in net income	21
Income tax benefit	(4)
Net of tax amount	17
Less: reclassification adjustment for realized (gains) losses included in net income		551	(476)
Income tax expense (benefit)		(115)	101
Net of tax amount		436	(375)
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)	18,392	(2,508)	(35,979)
Comprehensive Income (Loss)	$ 31,984	$ 5,664	$ (20,593)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - 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	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	Cumulative effect, period of adoption, adjusted balance	Total
Balances at Sep. 30, 2021		$ 78		$ 25,721			$ 150,185		$ 8,900		$ (138)		$ (4,369)			$ 180,377
Net income (loss)							15,386									15,386
Acquisition of minority interests in Q2				(509)												(509)
Other comprehensive income (loss)									(35,979)							(35,979)
Common stock dividends							(3,644)									(3,644)
Restricted stock forfeitures				(1,222)							1,222
Stock compensation expense				296							391					687
Stock option exercises				40												40
Purchase of treasury shares													(4,793)			(4,793)
Balances at Sep. 30, 2022		78		26,770			161,927		(27,079)		(969)		(9,162)			151,565
Net income (loss)							8,172									8,172
Transfer of securities from subsidiary				544												544
Other comprehensive income (loss)									(2,508)							(2,508)
Common stock dividends							(3,793)									(3,793)
Restricted stock grants				495							(495)
Restricted stock forfeitures				(53)							53
Stock compensation expense				302							396					698
Stock option exercises				(16)												(16)
Purchase of treasury shares													(2,625)			(2,625)
Balances at Sep. 30, 2023	$ 78	78	$ 26,986	26,986	$ (2,510)	$ 163,796	166,306	$ (29,587)	(29,587)	$ (1,015)	(1,015)	$ (11,787)	(11,787)	$ (2,510)	$ 148,471	150,981
Net income (loss)							13,592									13,592
Distribution to Q2 minority interest				(18)												(18)
Other comprehensive income (loss)									18,392							18,392
Common stock dividends							(4,051)									(4,051)
Restricted stock grants				294							(294)
Restricted stock forfeitures				(18)							18
Stock compensation expense				309							390					699
Stock option exercises				94												94
Issuance of treasury shares													15			15
Purchase of treasury shares													(79)			(79)
Balances at Sep. 30, 2024		$ 78		$ 27,647			$ 173,337		$ (11,195)		$ (901)		$ (11,851)			$ 177,115

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Common stock dividends - per share	$ 0.59	$ 0.55	$ 0.51
Restricted stock grants - shares	19,475	22,000
Restricted stock forfeitures - shares	800	2,000	45,750
Stock option exercises - shares	6,405	1,200	2,955
Issuance of treasury shares	1,200
Purchase of treasury shares	5,095	124,710	203,962

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income (loss)	$ 13,592	$ 8,172	$ 15,386
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (credit) for credit losses - loans	3,492	2,612	1,908
Credit for unfunded lending commitments	(421)
Provision (credit) for credit losses - securities	21
Depreciation and amortization	2,371	2,549	2,448
Amortization of premiums and accretion of discounts on securities, net	279	578	903
Amortization and accretion of fair value adjustments on loans, net	(1,215)	(1,805)	(1,529)
Loans originated for sale, residential mortgage	(60,822)	(587,685)	(1,607,914)
Loans originated for sale, nonresidential mortgage			(34,842)
Loans originated for sale, Small Business Administration	(51,013)	(41,160)	(34,520)
Proceeds on sales of loans, residential mortgage	83,228	603,800	1,721,434
Proceeds on sales of loans, nonresidential mortgage			45,282
Proceeds on sales of loans, Small Business Administration	50,070	44,817	40,210
Net realized and unrealized (gain) loss on loans held for sale	(1,998)	(3,958)	12,376
Capitalization of loan servicing rights	(1,392)	(3,122)	(12,167)
Proceeds from sale of residential mortgage loan servicing rights	59,464
Loss on sale of residential mortgage loan servicing rights	4
Net change in value of residential mortgage loan servicing rights	809	5,849	(2,523)
Net change in value of SBA and nonresidential mortgage loan servicing rights	1,180	1,647	1,522
Net realized and unrealized (gain) loss on other real estate owned	(5)		115
Net loss (gain) on sales of available for sale securities		551	(476)
Other than temporary impairment loss on securities		28
Increase in cash surrender value of life insurance	(1,378)	(1,081)	(993)
Net unrealized gain (loss) on equity securities	(491)	(57)	10
Net gain on sale of premises and equipment	(116)	(49)
Gain from repurchase of subordinated debt		(660)
Income from tax credit investments			(12)
Deferred income taxes	(16,055)	(716)	1,668
Stock compensation expense	699	698	688
(Increase) decrease in accrued interest receivable	(1,215)	(1,829)	(2,089)
Increase (decrease) in accrued interest payable	4,458	7,624	1,044
Change in other assets	9,335	7,874	13,813
Change in other liabilities	(1,678)	(11,919)	(12,930)
Net Cash Provided by Operating Activities	91,203	32,758	148,812
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits		(490)	(245)
Proceeds from sales and maturities of interest-bearing time deposits		1,603	840
Purchase of securities available for sale	(6,968)	(11,664)	(211,141)
Proceeds from sales of securities available for sale		79,230	33,494
Principal collected and proceeds from maturities of securities available for sale	9,021	16,877	21,860
Proceeds from maturities of securities held to maturity	260	258	260
Net increase in loans	(196,771)	(335,871)	(386,727)
Proceeds from redemption of Federal Reserve Bank and Federal Home Loan Bank stock	1	15	592
Purchase of Federal Reserve Bank and Federal Home Loan Bank stock	(48)	(4,950)	(1,338)
Proceeds from life insurance			575
Proceeds from sale of other real estate owned	35		689
Purchase of premises and equipment	(684)	(2,954)	(835)
Proceeds from sales of premises and equipment	150	134
Investment in partnership interests	(8,311)	(6,176)	(2,242)
Acquisition of minority interests in Q2	(18)
Net Cash Used In Investing Activities	(203,333)	(263,988)	(544,218)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	199,087	172,482	288,254
Increase (decrease) in Federal Home Loan Bank line of credit	(1,543)	(4,120)	12,303
Proceeds from Federal Home Loan Bank advances	1,990,000	7,455,000	1,130,000
Repayment of Federal Home Loan Bank advances	(2,050,000)	(7,395,000)	(1,085,000)
Repurchase of subordinated debt		(1,340)
Net proceeds from subordinated notes			30,258
Net increase in other borrowings			37,989
Net decrease in advance payments by borrowers for taxes and insurance	(96)	(180)	(869)
Proceeds from exercise of stock options	94	16
Taxes paid on stock award shares for employees		(30)	(48)
Proceeds from issuance of common stock from treasury	15
Purchase of treasury shares	(79)	(2,625)	(4,745)
Dividends paid on common stock	(4,051)	(3,793)	(4,499)
Net Cash Provided By Financing Activities	133,427	220,410	403,643
Net Increase (Decrease) in Cash and Cash Equivalents	21,297	(10,820)	8,237
Cash and cash equivalents at beginning of year	30,845	41,665	33,428
Cash and Cash Equivalents at End of Year	52,142	30,845	41,665
Supplemental Disclosures of Cash Flow Information:
Interest	59,468	34,031	9,301
Income taxes (net of refunds received)	8,141	(116)	(3,226)
Non-cash activities:
Net transfer from loans held for sale to loans			13,139
Transfers from loans to OREO		$ 474
Cashless exercise of stock options	$ 40		39
Transfers from OREO to premises and equipment			$ 721

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Sep. 30, 2024
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	(1) Nature of Operations First Savings Financial Group, Inc. (the “Company”) is a financial holding company and the parent of First Savings Bank (the “Bank”). The Bank, which is a wholly-owned Indiana-chartered commercial bank subsidiary of the Company, provides a variety of banking services to individuals and business customers through 16 locations in southern Indiana. The Bank attracts deposits primarily from the general public and uses those funds, along with other borrowings, primarily to originate residential mortgage, commercial mortgage, construction, commercial business and consumer loans, and to a lesser extent, to invest in mortgage-backed securities and other debt securities. The Bank has three wholly owned subsidiaries: Q2 Business Capital, LLC (“Q2”), an Indiana limited liability company that specializes in the origination and servicing of U.S. Small Business Administration (“SBA”) loans, First Savings Investments, Inc., a Nevada corporation that manages a securities portfolio and Southern Indiana Financial Corporation, which is currently inactive. First Savings Insurance Risk Management, Inc. (the “Captive”), which was a wholly-owned insurance subsidiary of the Company, was a Nevada corporation that provided property and casualty insurance to the Company, the Bank and the Bank’s active subsidiaries. In addition, the Captive provided reinsurance to 11 other third-party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace. Effective September 30, 2023, the Captive was dissolved and is no longer in existence. Basis of Consolidation and Reclassifications The consolidated financial statements include the accounts of the Company and its subsidiaries, have been prepared in accordance with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. Intercompany balances and transactions have been eliminated. Statements of Cash Flows For purposes of the statements of cash flows, the Company has defined cash and cash equivalents as cash on hand, amounts due from banks (including cash items in process of clearing), interest-bearing deposits with other banks having an original maturity of 90 days or less and money market funds. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses. (1 – Investment Securities Debt Securities Available for Sale Amortization of premiums and accretion of discounts are recognized in interest income using methods approximating the interest method over the period to maturity, adjusted for anticipated prepayments. Unrealized gains and losses, net of tax, on securities available for sale are included in other comprehensive income (loss) and the accumulated unrealized holding gains and losses are reported as a separate component of equity until realized. Realized gains and losses on the sale of securities available for sale are determined using the specific identification method and are included in other noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income (loss). Allowance for Credit Losses – Available for Sale (AFS) Securities: Debt Securities Held to Maturity Allowance for Credit Losses – Held to Maturity (HTM) Securities: (1 – continued) Investment Securities - continued Equity Securities Investments in non-marketable equity securities such as FRB stock and FHLB stock are carried at cost and are classified as restricted securities. The Bank is a member of the FHLB system and is required to own FHLB stock, the amount of which depends on the level of borrowings and other factors. Both cash and stock dividends received from these investments are included in dividend income. Impairment testing on these investments is based on applicable accounting guidance and the cost basis is reduced when impairment is deemed to be permanent. Loans Held for Sale The Company has elected to record substantially all residential mortgage loans held for sale at fair value in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 825-10. Net unrealized gains and losses are included in mortgage banking income in the accompanying consolidated statements of income. Realized gains on sales of residential mortgage loans are determined using the specific identification method and are included in mortgage banking income. The Company originates loans to customers under the SBA 7(a) and other programs that generally provide for SBA guarantees of 75% to 90% of each loan. Guaranteed portions of SBA are oftentimes sold to the secondary market. However, the Company retains certain guaranteed portions on the consolidated balance sheet. SBA loans classified as held for sale at September 30, 2024 and 2023 represented guaranteed portions intended for sale. At September 30, 2024 and 2023, SBA loans held for sale totaling $25.7 million and $21.2 million, respectively, were carried at the lower of aggregate cost or fair value. Realized gains and losses on sales of SBA loans held for sale are determined based on the allocation of participating interests sold and retained and are included in net gain on sales of SBA loans in the accompanying consolidated statements of income. Direct loan origination costs and fees related to SBA loans held for sale are deferred upon origination and are recognized as an adjustment to the gain or loss on the date of sale. SBA loans held for sale are sold on a servicing retained basis. Transfers of Financial Assets The Company accounts for transfers and servicing of financial assets in accordance with FASB ASC 860, Transfers and Servicing Transfers of a portion of a loan must meet the criteria of a participating interest. If it does not meet the criteria of a participating interest, the transfer must be accounted for as a secured borrowing. In order to meet the criteria for a participating interest, all cash flows from the loan must be divided proportionately, the rights of each loan holder must have the same priority, and the loan holders must have no recourse to the transferor other than standard representations and warranties and no loan holder has the right to pledge or exchange the entire loan. (1 – continued) Transfers of Financial Assets - continued The Company sells financial assets in the normal course of business, the majority of which are related to the SBA-guaranteed portion of loans, residential mortgage loan sales through established programs, and commercial loan sales through participation agreements. In accordance with accounting guidance for asset transfers, the Company considers any ongoing involvement with transferred assets in determining whether the assets can be derecognized from the balance sheet. With the exception of servicing and certain performance-based guarantees, the Company’s continuing involvement with financial assets sold is minimal and generally limited to market customary representation and warranty clauses. If the transfer of loans subject to loan participation does not meet the sale criteria or participation interest criteria under FASB ASC 860, the transfer is accounted for as a secured borrowing and the loan is not de-recognized and a participating liability is recorded in the consolidated balance sheets. When the Company sells financial assets, it may retain servicing rights and/or other interests in the financial assets. The gain or loss on sale depends on the previous carrying amount of the transferred financial assets, the servicing right recognized, and the consideration received and any liabilities incurred in exchange for the transferred assets. Upon transfer, any servicing assets and other interests held by the Company are carried at the lower of cost or fair value, with the exception of mortgage servicing rights related to sales of residential mortgage loans, which were carried at fair value. Loans and Allowance for Credit Losses Loans Held for Investment Loans which management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at unpaid principal balances, less net deferred loan fees, discounts 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. 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. 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. (1 – continued) Loans and Allowance for Credit Losses - continued 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 or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. 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 1 below under 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. A reasonable and supportable forecast period of four quarters is utilized, with immediate reversion to the long-term average historical loss rates following the forecast period. 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. (1 – continued) Loans and Allowance for Credit Losses - continued 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 (1 – continued) Loans and Allowance for Credit Losses - continued 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 forecasted 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 forecasted changes in 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 (1 – continued) Loans and Allowance for Credit Losses – continued The commercial business ACL model is adjusted for forecasted 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. The allowance for unfunded commitments was $1.5 million as of September 30, 2024, and is included in the liabilities section on the consolidated balance sheet. The current adjustment to the ACL for unfunded commitments is recognized through the provision for unfunded lending commitments, a component of provision for credit losses, in the Consolidated Statement of Income. Collateral Dependent Loans Loans on nonaccrual status which management believes the likely source of repayment to be operation or sale of the collateral are considered collateral dependent. 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. (1 – continued) Loans and Allowance for Credit Losses – continued Prior to the Company’s adoption of ASU 2016-13, the previous incurred loss methodology was used to calculate the allowance for loan losses. The Company evaluated the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may have affected the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. Under the previous incurred loss methodology, the allowance consisted of specific and general components. The specific component related to loans that were individually evaluated for impairment. A specific reserve was established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan was lower than the carrying value of that loan. The general component covered loans not considered to be impaired. Such loans were pooled by segment and losses were modeled using annualized historical loss experience adjusted for qualitative factors. 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”). Prior period data, which included TDRs, has not been adjusted. Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. The Company uses the straight line method of computing depreciation at rates adequate to amortize the cost of the applicable assets over their estimated useful lives. Maintenance and repairs are expensed as incurred. The cost and related accumulated depreciation of assets sold, or otherwise disposed of, are removed from the related accounts and any gain or loss is included in earnings. Other Real Estate Owned Other real estate owned includes formally foreclosed property, property obtained via a deed in lieu of foreclosure. At the time of acquisition, foreclosed real estate is recorded at its fair value, less estimated costs to sell, which becomes the property’s new cost basis. Any write-downs based on the property’s fair value at the date of acquisition are charged to the allowance for credit losses. After acquisition or the decision to classify property as held for sale, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value, less estimated costs to sell. Costs incurred in maintaining other real estate owned and subsequent impairment adjustments to the carrying amount of a property, if any, are included in noninterest expense. Cash Surrender Value of Life Insurance The Company has purchased life insurance policies on certain directors, officers and key employees to help offset costs associated with the Bank’s compensation and benefit programs. The Company is the owner and is a joint or sole beneficiary of the policies. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Income from the increase in cash surrender value of the policies and income from the recognition of death benefits is reported in noninterest income. (1 – continued) Goodwill and Other Intangibles Goodwill recognized in a business combination represents the excess of the fair value of consideration transferred over the fair value of assets acquired and liabilities assumed. Goodwill is evaluated for possible impairment at least annually or more frequently upon the occurrence of an event or change in circumstances that would more likely than not reduce the fair value of the reporting unit below its carrying amount. Such circumstances could include, but are not limited to: (1) a significant adverse change in legal factors or in business climate, (2) unanticipated competition, or (3) an adverse action or assessment by a regulator. Other intangible assets consist of acquired core deposit intangibles. Core deposit intangibles are amortized over the estimated economic lives of the acquired core deposits. The carrying amount of core deposit intangibles and the remaining estimated economic life are evaluated annually or whenever events or circumstances indicate the carrying amount may not be recoverable or the remaining period of amortization requires revision. Derivative Financial Instruments Prior to the Company’s wind down of the national mortgage banking operation, the Company entered into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The period of time between issuance of a loan commitment and closing and sale of the loan generally ranged from 15 to 60 days. The Company also entered into forward mortgage loan commitments to sell to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts were considered derivatives and were recorded on the balance sheet at fair value in accordance with FASB ASC 815, Derivatives and Hedging Benefit Plans The Company provides a contributory defined contribution plan, which is available to all eligible employees. The Company also established a leveraged employee stock ownership plan (“ESOP”) on October 6, 2008 that includes substantially all employees. The Company accounts for the ESOP in accordance with FASB ASC 718-40, Employee Stock Ownership Plans Stock Based Compensation The Company has stock options and restricted stock awards outstanding under stock-based compensation plans, which are described in more detail in Note 13 – Benefit Plans Compensation Stock Compensation (1 – continued) The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options, while the market value of the Company’s common stock at the date of grant is used for restrictive stock awards and stock grants. Income Taxes When income tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while other positions are subject to some degree of uncertainty regarding the merits of the position taken or the amount of the position that would be sustained. The Company recognizes the benefits of a tax position in the consolidated financial statements of the period during which, based on all available evidence, management believes it is more-likely-than-not (more than 50 percent probable) that the tax position would be sustained upon examination. Income tax positions that meet the more-likely-than-not threshold are measured as the largest amount of income tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with the income tax positions claimed on income tax returns that exceeds the amount measured as described above is reflected as a liability for unrecognized income tax benefits in the consolidated balance sheets, along with any associated interest and penalties that would be payable to the taxing authorities, if there were an examination. Interest and penalties associated with unrecognized income tax benefits are classified as additional income taxes in the consolidated statements of income. Income taxes are provided for the tax effects of the transactions reported in the financial statements and consist of taxes currently due plus deferred income taxes. Income tax reporting and financial statement reporting rules differ in many respects. As a result, there will often be a difference between the carrying amount of an asset or liability as presented in the accompanying consolidated balance sheets and the amount that would be recognized as the tax basis of the same asset or liability computed based on the effects of tax positions recognized, as described in the preceding paragraph. These differences are referred to as temporary differences because they are expected to reverse in future years. Deferred income tax assets are recognized for temporary differences where their future reversal will result in future tax benefits. Deferred income tax assets are also recognized for the future tax benefits expected to be realized from net operating loss or tax credit carryforwards. Deferred income tax liabilities are recognized for temporary differences where their future reversal will result in the payment of future income taxes. Deferred income tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or all of the deferred income tax assets will not be realized. Deferred tax assets and liabilities are reflected at income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. Advertising Costs Advertising costs are charged to operations when incurred. Comprehensive Income (Loss) Comprehensive income consists of reported net income and other comprehensive income. Other comprehensive income, recognized as a separate component of stockholders’ equity, includes the change in unrealized gains and losses on securities available for sale. Amounts reclassified out of unrealized gains or losses on securities available for sale included in accumulated other comprehensive income (loss) are included i

RESTRICTION ON CASH AND DUE FRO

RESTRICTION ON CASH AND DUE FROM BANKS	12 Months Ended
	Sep. 30, 2024
RESTRICTION ON CASH AND DUE FROM BANKS
RESTRICTION ON CASH AND DUE FROM BANKS	(2) The Company is required to maintain reserve balances on hand and with the Federal Reserve Bank, which are unavailable for investment but are interest-bearing. In March of 2020, the Federal Reserve Bank reduced the reserve requirement to zero. There were no required reserves for the years ended September 30, 2024 and 2023.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Sep. 30, 2024
INVESTMENT SECURITIES
INVESTMENT SECURITIES	(3) Investment securities have been classified according to management’s intent. Securities Available for Sale and Held to Maturity The amortized cost of securities available for sale and held to maturity and their approximate fair values are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ Allowance ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ for Credit ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ ​ Losses ​ Value September 30, 2024: ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,031 ​ $ — ​ $ 2,620 ​ $ — ​ $ 27,411 Agency mortgage-backed ​ ​ 28,425 ​ ​ 8 ​ ​ 2,157 ​ ​ — ​ ​ 26,276 Agency CMO ​ 15,700 ​ — ​ 774 ​ ​ — ​ 14,926 Privately-issued CMO ​ 295 ​ 2 ​ 16 ​ ​ 21 ​ 260 Privately-issued ABS ​ 301 ​ 12 ​ — ​ ​ — ​ 313 SBA certificates ​ ​ 11,993 ​ ​ — ​ ​ 67 ​ ​ — ​ ​ 11,926 Municipal bonds ​ 174,132 ​ 1,048 ​ 9,493 ​ ​ — ​ 165,687 Other ​ 2,000 ​ — ​ 120 ​ ​ — ​ 1,880 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale ​ $ 262,877 ​ $ 1,070 ​ $ 15,247 ​ $ 21 ​ $ 248,679 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 29 ​ $ — ​ $ — ​ $ — ​ $ 29 Municipal bonds ​ 1,011 ​ 12 ​ — ​ ​ — ​ 1,023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,040 ​ $ 12 ​ $ — ​ $ — ​ $ 1,052 ​ ​ (3 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2023: ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,598 ​ $ — ​ $ 4,649 ​ $ 25,949 Agency mortgage-backed ​ ​ 28,542 ​ ​ — ​ ​ 4,274 ​ ​ 24,268 Agency CMO ​ 14,064 ​ — ​ 1,322 ​ 12,742 Privately-issued CMO ​ 424 ​ 2 ​ 30 ​ 396 Privately-issued ABS ​ 433 ​ 13 ​ 3 ​ 443 SBA certificates ​ 11,587 ​ — ​ 842 ​ 10,745 Municipal bonds ​ 177,561 ​ 19 ​ 26,096 ​ 151,484 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 available for sale and held to maturity debt securities as of September 30, 2024 by contractual maturity are shown below. Expected maturities of mortgage and other asset-backed securities may differ from contractual maturities because the mortgages and other assets underlying the obligations may be prepaid without penalty. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value ​ ​ ​ Due within one year ​ $ 2,851 ​ $ 2,848 ​ $ — ​ $ — Due after one year through five years ​ 8,349 ​ 8,287 ​ 175 ​ 175 Due after five years through ten years ​ 43,771 ​ 40,850 ​ 836 ​ 848 Due after ten years ​ 151,192 ​ 142,993 ​ — ​ — Agency CMO ​ 15,700 ​ 14,926 ​ — ​ — Privately-issued CMO ​ ​ 295 ​ ​ 260 ​ ​ — ​ ​ — Privately-issued ABS ​ ​ 301 ​ ​ 313 ​ ​ — ​ ​ — SBA certificates ​ 11,993 ​ 11,926 ​ — ​ — Agency mortgage-backed ​ 28,425 ​ 26,276 ​ 29 ​ 29 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 262,877 ​ $ 248,679 ​ $ 1,040 ​ $ 1,052 ​ (3 – continued) Information pertaining to securities with gross unrealized losses at September 30, 2024 and 2023, aggregated by investment category and the length of time that individual securities have been in a continuous loss position, follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized (Dollars in thousands) Positions Value Losses September 30, 2024: ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency CMO 1 ​ $ 2,641 ​ $ 15 SBA certificates 1 ​ 998 ​ 2 Municipal bonds 3 ​ 2,285 ​ 10 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 5 ​ 5,924 ​ 27 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes 6 ​ 27,411 ​ 2,620 Agency mortgage-backed 20 ​ 23,941 ​ 2,157 Agency CMO 15 ​ 12,285 ​ 759 Privately-issued CMO 3 ​ 241 ​ 16 Privately-issued ABS ​ 1 ​ ​ 117 ​ ​ — SBA certificates 3 ​ 10,928 ​ 65 Municipal bonds 100 ​ 98,794 ​ 9,483 Other 1 ​ 1,880 ​ 120 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 149 ​ 175,597 ​ 15,220 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 154 ​ $ 181,521 ​ $ 15,247 ​ (3 – continued) At September 30, 2024, the Company did not have any securities held to maturity with an unrealized loss. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized (Dollars in thousands) Positions Value Losses September 30, 2023: ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 5 ​ $ 1,576 ​ $ 49 Agency mortgage-backed ​ 2 ​ ​ 163 ​ ​ 8 Agency CMO ​ 1 ​ ​ 4,249 ​ ​ 462 SBA certificates ​ 1 ​ ​ 31 ​ ​ 3 Municipal bonds 43 ​ ​ 45,931 ​ ​ 3,334 Other ​ 1 ​ ​ 1,712 ​ ​ 288 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 53 ​ 53,662 ​ 4,144 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 1 ​ ​ 24,373 ​ ​ 4,600 Agency mortgage-backed 15 ​ 23,859 ​ 4,266 Agency CMO 14 ​ 8,493 ​ 860 Privately-issued CMO ​ 2 ​ ​ 375 ​ ​ 30 Privately-issued ABS ​ 1 ​ ​ 212 ​ ​ 3 SBA certificates 2 ​ 10,714 ​ 839 Municipal bonds 115 ​ 95,185 ​ 22,762 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 150 ​ 163,211 ​ 33,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 203 ​ $ 216,873 ​ $ 37,504 ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ 1 ​ $ 19 ​ $ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months ​ 1 ​ ​ 19 ​ ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ 1 ​ $ 19 ​ $ 1 ​ The total available for sale debt securities in loss positions, which consisted of U.S. Treasury notes, agency mortgage-backed securities, agency CMOs, privately-issued CMOs, privately-issued ABSs, SBA certificates, municipal bonds, and other securities represented 73% and 95% of total available for sale investments at September 30, 2024 and 2023, respectively. All of the municipal securities are issued by municipal governments and are generally secured by first mortgage loans and municipal project revenues. The Company evaluates the existence of a potential credit loss component related to the decline in fair value of the privately-issued CMO and ABS portfolios each quarter using an independent third party analysis. ​ (3 – continued) At September 30, 2024, one privately-issued CMO was in a loss position and had depreciated approximately 6.3% from its carrying value. This security was collateralized by residential mortgage loans, had a total fair value of $240,000 and an unrealized loss of $16,000 at September 30, 2024. Based on the independent third party analysis of the expected cash flows, two securities had a credit loss totaling $21,000 that was recorded through provision for credit losses on securities during the year ended September 30, 2024. An other-than temporary impairment charge of $28,000 was recognized during the year ended September 30, 2023, which was prior to the Company’s adoption of CECL. While the Company does not anticipate additional credit-related impairment losses at September 30, 2024, additional deterioration in market and economic conditions may have an adverse impact on the credit quality in the future and therefore, require additional credit-related impairment charges. The unrealized losses on U.S. Treasury 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 September 30, 2024. The following is a summary of the reported gross gains and losses on sales of available for sale securities and time deposits for the years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Gross realized gains on sales ​ $ — ​ $ 341 ​ $ 488 Gross realized losses on sales ​ — ​ (892) ​ (12) Net realized gain (loss) on sales of available for sale securities ​ $ — ​ $ (551) ​ $ 476 ​ Certain available for sale debt securities were pledged to secure FHLB borrowings at September 30, 2024 and 2023, and may be pledged to secure federal funds borrowings (see Notes 9 and 10). At September 30, 2024 and 2023, there were no holdings of securities of any one issuer, other than the U.S government and its agencies, with an aggregate book value greater than 10% of the Company’s consolidated stockholders’ equity. 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 year ended September 30, 2024. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses ​ Private Other ​ ​ (In thousands) Label CMO Investments Total Allowance for credit losses ​ ​ ​ ​ ​ ​ ​ ​ Beginning of year ​ $ — ​ $ — ​ $ — Provision for credit loss expense ​ 24 ​ 84 ​ 108 Reductions due to increases in ​ ​ ​ ​ ​ ​ ​ ​ ​ expected cash flows ​ (3) ​ (84) ​ (87) Recoveries ​ — ​ — ​ — Balance, end of year ​ $ 21 ​ $ — ​ $ 21 ​

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Sep. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
LOANS AND ALLOWANCE FOR CREDIT LOSSES	(4) Loans at September 30, 2024 and 2023 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Real estate mortgage: ​ ​ Residential ​ $ 670,011 ​ $ 528,410 Commercial ​ 204,847 ​ 187,232 Single tenant net lease ​ ​ 750,642 ​ ​ 757,388 SBA commercial (1) ​ ​ 55,557 ​ ​ 47,078 Multifamily ​ 37,763 ​ 34,892 Residential construction ​ 53,237 ​ 24,924 Commercial construction ​ 9,172 ​ 14,588 Land and land development ​ 17,678 ​ 17,234 Commercial business ​ 124,639 ​ 117,594 SBA commercial business (1) ​ ​ 18,342 ​ ​ 16,939 Consumer ​ ​ 42,213 ​ ​ 39,915 Total loans ​ 1,984,101 ​ 1,786,194 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net ​ 1,045 ​ 949 Allowance for credit losses ​ (21,294) ​ (16,900) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,963,852 ​ $ 1,770,243 ​ (1) Includes discounts on SBA loans of $3.2 million and $3.3 million at September 30, 2024 and 2023, respectively. At September 30, 2024 and 2023, the net unamortized premium on loans acquired from other financial institutions was $244,000 and $253,000, respectively. The Company has entered into loan transactions with certain directors, officers and their affiliates (related parties). In the opinion of management, such indebtedness was incurred in the ordinary course of business on substantially the same terms as those prevailing at the time for comparable transactions with other persons and does not involve more than normal risk of collectability or present other unfavorable features. The following is a summary of activity for related party loans for the years ended September 30, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Beginning balance ​ $ 1,478 ​ $ 7,656 New loans and advances ​ 231 ​ — Repayments ​ (193) ​ (205) Reclassifications due to officer and director changes ​ — ​ (5,973) ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 1,516 ​ $ 1,478 ​ Off-balance-sheet commitments (including commitments to make loans, unused lines of credit and letters of credit) to related parties at September 30, 2024 and 2023 were $523,000 and $755,000, respectively. (4 – continued) 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 ​ ​ ​ ​ Impairment Impairment Loans September 30, 2023: ​ (In thousands) 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 ​ (4 – continued) The following table presents the activity in the allowance for credit losses by portfolio segment for the years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Adoption of Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ ASC 326 ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2024: ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 4,641 ​ $ 1,037 ​ $ 1,908 ​ $ (168) ​ $ 67 ​ $ 7,485 Commercial real estate ​ 1,777 ​ ​ 255 ​ (288) ​ — ​ — ​ 1,744 Single tenant net lease ​ ​ 3,810 ​ ​ 222 ​ ​ 6 ​ ​ — ​ ​ — ​ ​ 4,038 SBA commercial real estate ​ ​ 1,922 ​ ​ 511 ​ ​ 662 ​ ​ (58) ​ ​ 63 ​ ​ 3,100 Multifamily ​ ​ 268 ​ ​ (21) ​ ​ 94 ​ ​ — ​ ​ — ​ ​ 341 Residential construction ​ ​ 434 ​ ​ (226) ​ ​ 197 ​ ​ — ​ ​ — ​ ​ 405 Commercial construction ​ ​ 282 ​ ​ 43 ​ ​ (160) ​ ​ — ​ ​ — ​ ​ 165 Land and land development ​ ​ 307 ​ ​ (74) ​ ​ (29) ​ ​ — ​ ​ — ​ ​ 204 Commercial business ​ ​ 1,714 ​ ​ (495) ​ ​ 472 ​ ​ (34) ​ ​ — ​ ​ 1,657 SBA commercial business ​ 1,247 ​ ​ 160 ​ 252 ​ (172) ​ 63 ​ 1,550 Consumer ​ 498 ​ ​ 17 ​ 378 ​ (388) ​ 100 ​ 605 ​ ​ $ 16,900 ​ $ 1,429 ​ $ 3,492 ​ $ (820) ​ $ 293 ​ $ 21,294 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023: ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ — ​ $ 1,980 ​ $ (71) ​ $ 16 ​ $ 4,641 Commercial real estate ​ 1,590 ​ ​ — ​ 187 ​ — ​ — ​ 1,777 Single tenant net lease ​ ​ 3,838 ​ ​ — ​ ​ (28) ​ ​ — ​ ​ — ​ ​ 3,810 SBA commercial real estate ​ ​ 2,578 ​ ​ — ​ ​ (302) ​ ​ (357) ​ ​ 3 ​ ​ 1,922 Multifamily ​ ​ 251 ​ ​ — ​ ​ 17 ​ ​ — ​ ​ — ​ ​ 268 Residential construction ​ ​ 305 ​ ​ — ​ ​ 129 ​ ​ — ​ ​ — ​ ​ 434 Commercial construction ​ ​ 107 ​ ​ — ​ ​ 175 ​ ​ — ​ ​ — ​ ​ 282 Land and land development ​ ​ 212 ​ ​ — ​ ​ 95 ​ ​ — ​ ​ — ​ ​ 307 Commercial business ​ ​ 1,193 ​ ​ — ​ ​ 452 ​ ​ — ​ ​ 69 ​ ​ 1,714 SBA commercial business ​ 2,122 ​ ​ — ​ (357) ​ (569) ​ 51 ​ 1,247 Consumer ​ 448 ​ ​ — ​ 264 ​ (250) ​ 36 ​ 498 ​ ​ $ 15,360 ​ $ — ​ $ 2,612 ​ $ (1,247) ​ $ 175 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ — ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ ​ 2,806 ​ ​ — ​ ​ (1,216) ​ ​ — ​ ​ — ​ ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ — ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ — ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ — ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ — ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ — ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ — ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ — ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ ​ 1,346 ​ ​ — ​ ​ 1,413 ​ ​ (698) ​ ​ 61 ​ ​ 2,122 Consumer ​ ​ 523 ​ ​ — ​ ​ 61 ​ ​ (175) ​ ​ 39 ​ ​ 448 ​ ​ $ 14,301 ​ $ — ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2023, prior to the adoption of ASU 2016-13. Interest income recognized approximates cash paid for interest for the year ended September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,989 ​ $ 2,139 ​ $ — ​ $ 2,822 ​ $ 52 Commercial real estate ​ 551 ​ 627 ​ — ​ 886 ​ 23 Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ 9,397 ​ ​ — ​ ​ 7,484 ​ ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — ​ ​ 371 ​ ​ 15 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 870 ​ 972 ​ — ​ 925 ​ 37 SBA commercial business ​ 684 ​ 1,799 ​ — ​ 839 ​ — Consumer ​ 44 ​ 58 ​ — ​ 61 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 11,871 ​ $ 15,354 ​ $ — ​ $ 13,388 ​ $ 127 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,323 ​ $ 1,328 ​ $ 74 ​ $ 365 ​ $ — Commercial real estate ​ 317 ​ 317 ​ 2 ​ 63 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,146 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,076 ​ 1,165 ​ 111 ​ 296 ​ — SBA commercial business ​ 438 ​ 637 ​ 187 ​ 1,049 ​ — Consumer ​ 189 ​ 189 ​ 189 ​ 190 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,343 ​ $ 3,636 ​ $ 563 ​ $ 3,109 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,312 ​ $ 3,467 ​ $ 74 ​ $ 3,187 ​ $ 52 Commercial real estate ​ 868 ​ 944 ​ 2 ​ 949 ​ 23 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ 9,397 ​ ​ — ​ ​ 8,630 ​ ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — ​ ​ 371 ​ ​ 15 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,946 ​ 2,137 ​ 111 ​ 1,221 ​ 37 SBA commercial business ​ 1,122 ​ 2,436 ​ 187 ​ 1,888 ​ — Consumer ​ 233 ​ 247 ​ 189 ​ 251 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 15,214 ​ $ 18,990 ​ $ 563 ​ $ 16,497 ​ $ 127 ​ ​ (4 – continued) The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2022, prior to the adoption of ASU 2016-13. Interest income recognized approximates cash paid for interest for the year ended September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — ​ $ 2,978 ​ $ 45 Commercial real estate ​ ​ 908 ​ ​ 982 ​ ​ — ​ ​ 1,038 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 5,197 ​ ​ 5,952 ​ ​ — ​ ​ 7,235 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 998 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 182 ​ 532 ​ — ​ 412 ​ — Consumer ​ 93 ​ 81 ​ — ​ 91 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 9,976 ​ $ 11,658 ​ $ — ​ $ 13,487 ​ $ 92 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ 206 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,385 ​ ​ 2,919 ​ ​ 290 ​ ​ 2,213 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ — ​ — SBA commercial business ​ 895 ​ 1,349 ​ 674 ​ 802 ​ — Consumer ​ 145 ​ 145 ​ — ​ 146 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,425 ​ $ 4,413 ​ $ 964 ​ $ 3,367 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — ​ $ 3,184 ​ $ 45 Commercial real estate ​ ​ 908 ​ ​ 982 ​ ​ — ​ ​ 1,038 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,582 ​ ​ 8,871 ​ ​ 290 ​ ​ 9,448 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 998 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 1,077 ​ 1,881 ​ 674 ​ 1,214 ​ — Consumer ​ 238 ​ 226 ​ — ​ 237 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,401 ​ $ 16,071 ​ $ 964 ​ $ 16,854 ​ $ 92 ​ ​ (4 – continued) The 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 September 30, 2024 for which there was no related allowance for credit losses. The Company recognized no interest income related to nonaccrual loans for the year ended September 30, 2024 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2024 ​ At September 30, 2023 ​ ​ ​ ​ ​ Nonaccrual ​ Loans 90+ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ Loans With No ​ Days ​ Total ​ Loans 90+ Days ​ ​ Nonaccrual ​ Allowance for ​ Past Due ​ Nonaccrual ​ Past Due ​ Loans Credit Losses Still Accruing Loans Still Accruing ​ ​ (In thousands) Residential real estate $ 4,583 $ 3,479 $ — $ 2,426 $ — Commercial real estate ​ 619 ​ 496 ​ — ​ 511 ​ — Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ 8,159 ​ 5,648 ​ — ​ 7,415 ​ — Multifamily ​ 263 ​ 263 ​ — ​ 318 ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,335 ​ 382 ​ — ​ 1,946 ​ — SBA commercial business ​ 1,858 ​ 257 ​ — ​ 1,099 ​ — Consumer ​ 125 ​ 119 ​ — ​ 233 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 16,942 ​ $ 10,644 ​ $ — ​ $ 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 including equipment, accounts receivable and other assets, except for the case of consumer loans, which are collateralized by consumer non-real estate assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2024 ​ Real Estate Other Total ​ ​ (In thousands) Residential real estate ​ $ 4,583 ​ $ — ​ $ 4,583 Commercial real estate ​ 619 ​ — ​ 619 SBA commercial real estate ​ 8,159 ​ — ​ 8,159 Multifamily ​ 263 ​ — ​ 263 Commercial business ​ — ​ 1,335 ​ 1,335 SBA commercial business ​ — ​ 1,858 ​ 1,858 Consumer ​ — ​ 125 ​ 125 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,624 ​ $ 3,318 ​ $ 16,942 ​ ​ (4 – continued) The following table presents the aging of the recorded investment in past due loans at September 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 ​ $ 2,490 ​ $ 804 ​ $ 2,053 ​ $ 5,347 ​ $ 664,664 ​ $ 670,011 Commercial real estate ​ 94 ​ 190 ​ 496 ​ 780 ​ 204,067 ​ 204,847 Single tenant net lease ​ — ​ — ​ — ​ — ​ 750,642 ​ 750,642 SBA commercial real estate ​ ​ 257 ​ ​ 466 ​ ​ 4,252 ​ ​ 4,975 ​ ​ 50,582 ​ ​ 55,557 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 37,763 ​ ​ 37,763 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 53,237 ​ ​ 53,237 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9,172 ​ ​ 9,172 Land and land development ​ — ​ — ​ — ​ — ​ 17,678 ​ 17,678 Commercial business ​ 23 ​ 1 ​ 33 ​ 57 ​ 124,582 ​ 124,639 SBA commercial business ​ 61 ​ 105 ​ 436 ​ 602 ​ 17,740 ​ 18,342 Consumer ​ 165 ​ — ​ 32 ​ 197 ​ 42,016 ​ 42,213 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,090 ​ $ 1,566 ​ $ 7,302 ​ $ 11,958 ​ $ 1,972,143 ​ $ 1,984,101 ​ The following table presents the aging of the recorded investment in past due loans at September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,715 ​ $ 132 ​ $ 1,818 ​ $ 4,665 ​ $ 523,745 ​ $ 528,410 Commercial real estate ​ 23 ​ 62 ​ — ​ 85 ​ 187,147 ​ 187,232 Single tenant net lease ​ — ​ — ​ — ​ — ​ 757,388 ​ 757,388 SBA commercial real estate ​ ​ 764 ​ ​ — ​ ​ 3,877 ​ ​ 4,641 ​ ​ 42,437 ​ ​ 47,078 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 34,892 ​ ​ 34,892 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 24,924 ​ ​ 24,924 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,588 ​ ​ 14,588 Land and land development ​ 40 ​ — ​ — ​ 40 ​ 17,194 ​ 17,234 Commercial business ​ 112 ​ — ​ 86 ​ 198 ​ 117,396 ​ 117,594 SBA commercial business ​ 130 ​ — ​ 682 ​ 812 ​ 16,127 ​ 16,939 Consumer ​ 137 ​ 5 ​ 36 ​ 178 ​ 39,737 ​ 39,915 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,921 ​ $ 199 ​ $ 6,499 ​ $ 10,619 ​ $ 1,775,575 ​ $ 1,786,194 ​ ​ (4 – continued) The 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: ​ (4 – continued) The following tables outline, as of September 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 Ended September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 62,304 ​ $ 39,024 ​ $ 46,036 ​ $ 18,129 ​ $ 11,293 ​ $ 53,407 ​ $ 436,235 ​ $ — ​ $ 666,428 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ 734 ​ 910 ​ 273 ​ 348 ​ — ​ 601 ​ 700 ​ — ​ 3,566 Doubtful ​ — ​ — ​ — ​ — ​ — ​ 17 ​ — ​ — ​ 17 Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total residential real estate ​ 63,038 ​ 39,934 ​ 46,309 ​ 18,477 ​ 11,293 ​ 54,025 ​ 436,935 ​ — ​ 670,011 YTD gross charge-offs ​ 36 ​ — ​ — ​ 1 ​ — ​ 6 ​ 125 ​ — ​ 168 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 21,380 ​ 41,689 ​ 62,181 ​ 21,295 ​ 7,727 ​ 49,425 ​ — ​ — ​ $ 203,697 Special mention ​ 150 ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ 150 Substandard ​ — ​ 619 ​ 190 ​ — ​ 22 ​ 169 ​ — ​ — ​ 1,000 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total commercial real estate ​ 21,530 ​ 42,308 ​ 62,371 ​ 21,295 ​ 7,749 ​ 49,594 ​ — ​ — ​ 204,847 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single tenant net lease commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 34,819 ​ 148,265 ​ 273,898 ​ 71,361 ​ 97,182 ​ 125,117 ​ — ​ — ​ 750,642 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total single tenant net lease ​ 34,819 ​ 148,265 ​ 273,898 ​ 71,361 ​ 97,182 ​ 125,117 ​ — ​ — ​ 750,642 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 9,623 ​ 8,543 ​ 8,913 ​ 6,280 ​ 6,843 ​ 5,672 ​ 98 ​ — ​ 45,972 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ 162 ​ 143 ​ 1,766 ​ 7,514 ​ — ​ — ​ 9,585 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total SBA commercial real estate ​ 9,623 ​ 8,543 ​ 9,075 ​ 6,423 ​ 8,609 ​ 13,186 ​ 98 ​ — ​ 55,557 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ 10 ​ 48 ​ — ​ — ​ 58 ​ ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans Amortized Cost Basis by Origination Fiscal Year Ended September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ ​ (In thousands) ​ 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Multifamily real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 4,995 ​ ​ 2,562 ​ ​ 11,090 ​ ​ 5,207 ​ ​ 10,435 ​ ​ 3,211 ​ ​ — ​ ​ — ​ ​ 37,500 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ 263 ​ — ​ — ​ 263 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total multifamily real estate ​ 4,995 ​ 2,562 ​ 11,090 ​ 5,207 ​ 10,435 ​ 3,474 ​ — ​ — ​ 37,763 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential construction ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 10,244 ​ 30,903 ​ 12,090 ​ — ​ — ​ — ​ — ​ — ​ 53,237 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total residential construction ​ 10,244 ​ 30,903 ​ 12,090 ​ — ​ — ​ — ​ — ​ — ​ 53,237 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial construction ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 335 ​ 4,441 ​ 4,396 ​ — ​ — ​ — ​ — ​ — ​ 9,172 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total commercial construction ​ 335 ​ 4,441 ​ 4,396 ​ — ​ — ​ — ​ — ​ — ​ 9,172 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Land and land development ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 1,538 ​ 9,072 ​ 4,994 ​ 892 ​ 313 ​ 869 ​ — ​ — ​ 17,678 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total land and land development ​ 1,538 ​ 9,072 ​ 4,994 ​ 892 ​ 313 ​ 869 ​ — ​ — ​ 17,678 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ (4 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans Amortized Cost Basis by Origination Fiscal Year Ended September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial business ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 39,647 ​ ​ 44,764 ​ ​ 22,928 ​ ​ 10,286 ​ ​ 657 ​ ​ 4,978 ​ ​ — ​ ​ — ​ ​ 123,260 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ 896 ​ 148 ​ 44 ​ 4 ​ 287 ​ — ​ — ​ 1,379 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total commercial business ​ 39,647 ​ 45,660 ​ 23,076 ​ 10,330 ​ 661 ​ 5,265 ​ — ​ — ​ 124,639 YTD gross charge-offs ​ — ​ — ​ — ​ 32 ​ — ​ 2 ​ — ​ — ​ 34 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA commercial business ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 4,919 ​ 2,513 ​ 678 ​ 665 ​ 3,700 ​ 2,376 ​ 696 ​ — ​ 15,547 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ 835 ​ — ​ — ​ 54 ​ 189 ​ 1,717 ​ — ​ — ​ 2,795 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total SBA commercial business ​ 5,754 ​ 2,513 ​ 678 ​ 719 ​ 3,889 ​ 4,093 ​ 696 ​ — ​ 18,342 YTD gross charge-offs ​ — ​ — ​ — ​ 5 ​ 5 ​ 162 ​ — ​ — ​ 172 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 4,508 ​ 3,562 ​ 2,848 ​ 361 ​ 152 ​ 30 ​ 30,627 ​ — ​ 42,088 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ 6 ​ — ​ — ​ — ​ 119 ​ — ​ 125 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total consumer ​ 4,508 ​ 3,562 ​ 2,854 ​ 361 ​ 152 ​ 30 ​ 30,746 ​ — ​ 42,213 YTD gross charge-offs ​ — ​ 6 ​ — ​ 1 ​ — ​ — ​ 381 ​ — ​ 388 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total loans ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 194,312 ​ 335,338 ​ 450,052 ​ 134,476 ​ 138,302 ​ 245,085 ​ 467,656 ​ — ​ 1,965,221 Special mention ​ 150 ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ 150 Substandard ​ 1,569 ​ 2,425 ​ 779 ​ 589 ​ 1,981 ​ 10,551 ​ 819 ​ — ​ 18,713 Doubtful ​ — ​ — ​ — ​ — ​ — ​ 17 ​ — ​ — ​ 17 Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total loans ​ 196,031 ​ 337,763 ​ 450,831 ​ 135,065 ​ 140,283 ​ 255,653 ​ 468,475 ​ — ​ 1,984,101 YTD gross charge-offs ​ 36 ​ 6 ​ — ​ 39 ​ 15 ​ 218 ​ 506 ​ — ​ 820 ​ ​ (4 – continued) The following table presents the recorded investment in loans by risk category as of September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total September 30, 2023: ​ (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”). 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 an other than insignificant 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 year ended September 30, 2024. The following table summarizes information regarding TDRs that were restructured during the year ended September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pre- Post- ​ ​ ​ ​ Modification ​ Modification ​ ​ Number of ​ Principal ​ Principal ​ ​ Loans ​ Balance ​ Balance ​ ​ (Dollars in thousands) September 30, 2023: ​ ​ Residential real estate 1 ​ $ 31 ​ $ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 31 ​ $ 31 ​ At September 30, 2023, the Company had no commitments to lend to customers with outstanding loans classified as TDRs. (4 – continued) For the TDRs listed above, the terms of modification included temporary interest-only payment periods, reduction of the stated interest rate, extension of the maturity date, deferral of the contractual principal and interest payments, and the renewal of matured loans where the debtor was unable to access funds elsewhere at a market interest rate for debt with similar risk characteristics. There were principal charge-offs totaling $6,000 recorded as a result of TDRs during the year ended September 30, 2023. There were no principal charge-offs recorded as a result of TDRs during the year ended September 30, 2022. Provisions for loan losses related to TDRs totaled $122,000 and $161,000 for the years ended September 30, 2023 and 2022, respectively. In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses may be increased or charge-offs may be taken to reduce the carrying amount of the loan. During the years ended September 30, 2023 and 2022, the Company did not have any TDRs that were modified within the previous twelve months for which there was a payment default (defined as more than 90 days past due or in the process of foreclosure). SBA Loan Servicing Rights The Company originates loans to commercial customers under the SBA 7(a) and other programs, and sells the guaranteed portion of the SBA loans with servicing retained. Loan servicing rights on originated SBA loans that have been sold are initially recorded at fair value. Capitalized SBA servicing rights are then amortized in proportion to and over the period of estimated net servicing income. Impairment of SBA servicing rights is assessed using the present value of estimated future cash flows. The aggregate fair value of SBA loan servicing rights 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. Key assumptions used to estimate the fair value of the SBA loan servicing rights at September 30, 2024 and 2023 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2024 2023 Discount rate 7.57% to 25.00% (11.75%) 10.25% to 25.00% (13.79%) Prepayment rate 9.67% to 29.11% (19.06%) 8.60% to 32.85% (16.91%) ​ (4 – continued) The unpaid principal balance of SBA loans serviced for others was $194.4 million, $209.6 million and $238.9 million at September 30, 2024, 2023 and 2022, respectively. An analysis of loan servicing fees on SBA loans for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Late fees and ancillary fees earned ​ $ 3 ​ $ 69 ​ $ 93 Net servicing income ​ 1,824 ​ 2,114 ​ 2,425 SBA net servicing fees ​ $ 1,827 ​ $ 2,183 ​ $ 2,518 ​ Contractually specified late fees and ancillary fees earned on SBA loans are included in interest income on loans in the consolidated statements of income. Net servicing income (contractually specified servicing fees offset by direct servicing expenses) related to SBA loans are included in other noninterest income in the consolidated statements of income. Also included in noninterest income are amortization and direct write offs of the SBA loan servicing rights. An analysis of SBA loan servicing rights for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance as of October 1 ​ $ 2,950 ​ $ 3,790 ​ $ 4,447 Servicing rights capitalized ​ 883 ​ 768 ​ 846 Amortization ​ (555) ​ (728) ​ (1,287) Direct write-offs ​ (646) ​ (999) ​ (43) Change in valuation allowance ​ 55 ​ 119 ​ (173) Balance as of September 30 ​ $ 2,687 ​ $ 2,950 ​ $ 3,790 ​ An analysis of the valuation allowance related to SBA loan servicing rights for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Balance as of October 1 ​ $ 60 ​ $ 179 ​ $ 6 Additions (reductions) charged to ear

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Sep. 30, 2024
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	(5) Premises and equipment consisted of the following at September 30, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Land and land improvements ​ $ 5,655 ​ $ 5,375 Office buildings ​ 25,425 ​ 25,337 Leasehold improvements ​ 66 ​ 66 Furniture, fixtures and equipment ​ ​ 9,883 ​ ​ 10,442 Construction in progress ​ 911 ​ 671 ​ ​ $ 41,940 ​ $ 41,891 Less: accumulated depreciation ​ (15,478) ​ (14,030) ​ ​ ​ ​ ​ ​ ​ Totals ​ $ 26,462 ​ $ 27,861 ​ Depreciation expense recognized for premises and equipment for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Depreciation expense ​ $ 2,049 ​ $ 2,108 ​ $ 2,125 ​

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Sep. 30, 2024
OTHER REAL ESTATE OWNED
OTHER REAL ESTATE OWNED	(6) Other real estate owned (“OREO”) asset activity was as follows for the years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Balance as of October 1 ​ $ 677 ​ $ 203 ​ $ 1,728 Transfers from loans to other real estate owned ​ — ​ 474 ​ — Transfers from OREO to premises and equipment ​ — ​ — ​ (721) Sales ​ (30) ​ — ​ (804) Balance as of September 30 ​ $ 647 ​ $ 677 ​ $ 203 ​ At September 30, 2024 and 2023, OREO did not include any residential real estate properties where physical possession has been obtained. The recorded investment in consumer mortgage loans secured by residential real estate properties where formal foreclosure proceedings are in process at September 30, 2024 and 2023 was $853,000 and $539,000, respectively. Net (gain) loss on OREO for the years ended September 30, 2024, 2023 and 2022 was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Net (gain)/loss on sales ​ $ (5) ​ $ — ​ $ 115 Operating expenses, net of rental income ​ 17 ​ 4 ​ — ​ ​ $ 12 ​ $ 4 ​ $ 115 ​

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	12 Months Ended
	Sep. 30, 2024
GOODWILL AND OTHER INTANGIBLES
GOODWILL AND OTHER INTANGIBLES	(7) Goodwill and the core deposit intangibles acquired in the acquisitions of Community First Bank (“Community First”) on September 30, 2009, the First Federal Savings Bank of Elizabethtown, Inc. (“First Federal”) branches on July 6, 2012, and Dearmin Bancorp, Inc. (“Dearmin”) and its majority owned subsidiary, The First National Bank of Odon (“FNBO”), on February 9, 2018, are evaluated for impairment at least annually or more frequently upon the occurrence of an event or when circumstances indicate that the carrying amount is greater than its fair value. No impairment of goodwill or the core deposit intangibles was recognized during 2024, 2023, or 2022. The changes in the carrying amount of goodwill for the years ended September 30, 2024, 2023 and 2022 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Beginning balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 Impairment ​ — ​ — ​ — Ending balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 ​ The following is a summary of other intangible assets subject to amortization: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Core deposit intangible acquired in Community First acquisition ​ $ 2,741 ​ $ 2,741 Core deposit intangible acquired in First Federal branch acquisition ​ 566 ​ 566 Core deposit intangible acquired in Dearmin/FNBO acquisition ​ 1,487 ​ 1,487 Less accumulated amortization ​ (4,396) ​ (4,233) Ending balance ​ $ 398 ​ $ 561 ​ Amortization expense on intangibles for the years ended September 30, 2024, 2023 and 2022 is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Amortization expense ​ $ 163 ​ $ 214 ​ $ 214 ​ Estimated amortization expense for the core deposit intangibles for each of the ensuing five years and in the aggregate is as follows: ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2025 ​ $ 163 2026 ​ 163 2027 ​ 72 Total ​ $ 398 ​

DEPOSITS

DEPOSITS	12 Months Ended
	Sep. 30, 2024
DEPOSITS
DEPOSITS	(8) Deposits at September 30, 2024 and 2023 consisted of the following: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 ​ 2023 ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 191,528 ​ $ 242,237 NOW accounts ​ 332,388 ​ 336,446 Money market accounts ​ 393,214 ​ 323,739 Savings accounts ​ 150,913 ​ 170,073 Retail time deposits ​ 303,681 ​ 170,980 Brokered certificates of deposit ​ 509,157 ​ 438,319 ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,880,881 ​ $ 1,681,794 ​ The aggregate amount of time deposit accounts with balances that met or exceeded the Federal Deposit Insurance Corporation (“FDIC”) insurance limit of $250,000 was $133.2 million and $57.8 million at September 30, 2024 and 2023, respectively. At September 30, 2024, scheduled maturities of time deposits were as follows: ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2025 ​ $ 780,599 2026 ​ 18,806 2027 ​ 4,820 2028 ​ 3,094 2029 ​ ​ 5,519 Total ​ $ 812,838 ​ The Bank held deposits for related parties of $6.7 million and $5.3 million at September 30, 2024 and 2023, respectively.

FEDERAL FUNDS PURCHASED

FEDERAL FUNDS PURCHASED	12 Months Ended
	Sep. 30, 2024
FEDERAL FUNDS PURCHASED
FEDERAL FUNDS PURCHASED	(9) The Bank has entered into a federal funds purchased line of credit facility with another financial institution that established a line of credit not to exceed the lesser of $20 million or 25% of the Bank’s equity capital, excluding reserves. Availability under the line of credit is subject to continued borrower eligibility and expires on June 30, 2025 unless it is extended. The line of credit is intended to support short-term liquidity needs, and the agreement states that the Bank may borrow under the facility for up to seven consecutive days without pledging collateral to secure the borrowing. At September 30, 2024 and 2023, the Bank had no outstanding federal funds purchased under the facility. The Bank has also entered into a separate federal funds purchased line of credit facility with another financial institution that established a discretionary line of credit not to exceed $22 million. The line of credit is intended to support short-term liquidity needs. At September 30, 2024 and 2023, the Bank had no outstanding federal funds purchased under the facility. (9 – continued) The Bank has also entered into a separate federal funds purchased line of credit facility with another financial institution that established a discretionary line of credit not to exceed $15 million. The line of credit is intended to support short-term liquidity needs. At September 30, 2024 and 2023, the Bank had no outstanding federal funds purchased under the facility. The Bank has also entered into a separate federal funds purchased line of credit facility with another financial institution that established a discretionary line of credit not to exceed the lesser of $5 million or 50% of the Bank’s equity capital. The line of credit is intended to support short-term liquidity needs. At September 30, 2024 and 2023, the Bank had no outstanding federal funds purchased under the facility.

BORROWINGS FROM FEDERAL HOME LO

BORROWINGS FROM FEDERAL HOME LOAN BANK	12 Months Ended
	Sep. 30, 2024
BORROWINGS FROM FEDERAL HOME LOAN BANK
BORROWINGS FROM FEDERAL HOME LOAN BANK	(10) At September 30, 2024 and 2023 borrowings from the FHLB were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 ​ 2023 ​ Weighted ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ ​ Average ​ ​ ​ (Dollars in thousands) ​ Rate ​ Amount ​ Rate ​ Amount Advances maturing in: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 — % $ — 5.51 % $ 40,000 2025 4.74 ​ 60,000 1.51 ​ 10,000 2026 1.13 ​ 20,000 1.13 ​ 20,000 2027 — ​ — — ​ — 2028 — ​ — — ​ — 2029 and beyond ​ 2.88 ​ ​ 215,000 ​ 2.63 ​ ​ 285,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total advances ​ ​ 295,000 ​ ​ 355,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Line of credit balance 5.68 ​ 6,640 5.66 ​ 8,183 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total borrowings from FHLB ​ $ 301,640 ​ $ 363,183 ​ The Bank entered into an Advances, Pledge and Security Agreement with the FHLB, allowing the Bank to initiate advances from the FHLB. The advances are secured under a blanket collateral agreement. At September 30, 2024, the eligible blanket collateral included residential mortgage loans with a carrying value of $192.9 million, commercial real estate loans with a carrying value of $808.6 million and home equity lines of credit loans with a carrying value of $411.0 million. Pledged On January 21, 2022, the Bank entered into an Overdraft Line of Credit Agreement with the FHLB which established a line of credit not to exceed $25.0 million secured under the blanket collateral agreement. This agreement expires on January 23, 2025. At September 30, 2024, there was $6.6 million outstanding under this agreement. On June 19, 2014, the Bank entered into a Letter of Credit Agreement with the FHLB which established a letter of credit not to exceed $3.3 million secured under the blanket collateral agreement. The agreement had an initial expiration date of July 1, 2015 and is automatically extended for one additional year for successive one-year periods, not to extend beyond July 3, 2034. At September 30, 2024, the maximum amount available under the letter of credit was $1.3 million, and there was no outstanding balance under this agreement.

OTHER BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Sep. 30, 2024
OTHER BORROWINGS
OTHER BORROWINGS	(11) On September 20, 2018, the Company entered into a subordinated note purchase agreement in the principal amount of $20 million. The subordinated note initially bore a fixed interest rate of 6.02% per year through September 30, 2023. Beginning October 1, 2023, the note bears a floating rate, reset quarterly, equal to the three-month Secured Overnight Financing Rate (“SOFR”) plus 310 basis points. All interest is payable quarterly and the subordinated note is scheduled to mature on September 30, 2028. The subordinated note is an unsecured subordinated obligation of the Company and may be repaid in whole or in part, without penalty, on or after September 30, 2023. The debt issuance costs were amortized over five years, which represents the period from issuance to the first redemption date of September 30, 2023. The Company elected not to repay the subordinated note on the first optional redemption date of September 30, 2023, but has the right to repay the note without penalty upon providing adequate notice to the investors. The subordinated note is intended to qualify as Tier 2 capital for the Company under regulatory guidelines. However, following September 30, 2023, 20% of the remaining debt outstanding under this subordinated note agreement is disallowed from Tier 2 capital each year until maturity on September 30, 2028. The principal due on this subordinated note was $20 million at September 30, 2024. On March 18, 2022, the Company entered into subordinated note purchase agreements in the aggregate principal amount of $31 million. The subordinated notes initially bear a fixed interest rate of 4.50% per year through March 30, 2027, and thereafter a floating rate, reset quarterly, equal to the three-month SOFR rate plus 276 basis points. All interest is payable semi-annually and the subordinated notes are scheduled to mature on March 30, 2032. The subordinated notes are unsecured subordinated obligations of the Company and may be repaid in whole or in part, without penalty, on or after March 30, 2027. The subordinated notes are intended to qualify as Tier 2 capital for the Company under regulatory guidelines. The subordinated notes are presented net of unamortized debt issuance costs of $397,000 and $556,000 at September 30, 2024 and September 30, 2023, respectively, in the accompanying consolidated balance sheet. The debt issuance costs are being amortized over five years, which represents the period from issuance to the first redemption date of March 30, 2027. During 2023, the Company repurchased $2.0 million of this subordinated note from an investor and recognized a pretax gain of $660,000 from the transaction. The remaining principal due on these subordinated notes was $29 million at September 30, 2024. ​

DEFERRED COMPENSATION PLANS

DEFERRED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2024
DEFERRED COMPENSATION PLANS
DEFERRED COMPENSATION PLANS	(12) The Company has a directors’ deferred compensation plan whereby a director, at his or her election on an annual basis, may defer all or a portion of the director fees into an account with the Company. The Company accrues interest on the deferred obligation at an annual rate equal to the prime rate for the immediately preceding calendar quarter plus 2%, but in no event at a rate in excess of 8%. The deferral period extends until separation from service by the director. The benefits under the plan are payable in a lump sum or in monthly installments over a period of up to ten years following the separation from service; however, the agreements provide for payment of benefits in the event of disability, early retirement, termination of service or death. The balance of the accrued benefit for the director plan, included in accrued expenses and other liabilities on the consolidated balance sheets, was $1.7 million and $1.6 million at September 30, 2024 and 2023, respectively. Deferred directors’ fees expense, included in other operating expenses on the consolidated statements of income, for the years ended September 30, 2024, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Deferred directors’ fee expense ​ $ 229 ​ $ 241 ​ $ 202 ​

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Sep. 30, 2024
BENEFIT PLANS
BENEFIT PLANS	(13) Defined Contribution Plan: The Company has a qualified contributory defined contribution plan available to all eligible employees. The plan allows participating employees to make tax-deferred contributions under Internal Revenue Code Section 401(k). Company contributions to the plan for the years ended September 30, 2024, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Company contributions to the plan ​ $ 1,016 ​ $ 1,216 ​ $ 1,366 ​ Employee Stock Ownership Plan (ESOP): On October 6, 2008, the Company established a leveraged ESOP covering substantially all employees. The ESOP trust acquired 610,089 shares of Company common stock at a cost of $3.33 per share (both as adjusted for the three There was no compensation expense recognized related to the Employee Stock Ownership Plan for the years ended September 30, 2024, 2023 and 2022. The employer loan was fully repaid in December 2015 and all shares of Company stock were allocated to participant accounts as of September 30, 2016. The ESOP trust held 262,176 and 293,695 shares of Company common stock allocated to participant accounts at September 30, 2024 and 2023, respectively. The aggregate fair value of shares allocated to ESOP participants was $6.2 million and $4.3 million at September 30, 2024 and 2023, respectively.

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS	12 Months Ended
	Sep. 30, 2024
STOCK-BASED COMPENSATION PLANS
STOCK-BASED COMPENSATION PLANS	(14) The Company maintains three equity incentive plans under which stock options and restricted stock have or can be granted, the 2010 Equity Incentive Plan (“2010 Plan”) approved by the Company’s shareholders in February 2010, the 2016 Equity Incentive Plan (“2016 Plan”) approved by the Company’s shareholders in February 2016 and the 2021 Equity Incentive Plan (“2021 Plan”) approved by the Company’s shareholders in February 2021. The aggregate number of shares of the Company’s common stock available for issuance under the 2016 Plan may not exceed 264,000 shares, consisting of 198,000 stock options and 66,000 shares of restricted stock. The aggregate number of shares of the Company’s common stock available for issuance under the 2021 Plan may not exceed 356,058 shares, consisting of 267,043 stock options and 89,015 shares of restricted stock. At September 30, 2024, there were no remaining shares of the Company’s common stock available for issuance under the 2010 Plan. At September 30, 2024, 4,560 shares of the Company’s common stock were available for issuance under the 2016 Plan, including 1,500 shares available for restricted stock and 3,060 shares available for stock options. At September 30, 2024, 17,100 shares of the Company’s common stock were available for issuance under the 2021 Plan, including 4,590 shares available for restricted stock and 12,510 shares 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 Plan and 2021 Plan from its authorized but unissued shares. The Company accounts for any forfeitures as they occur, and any previously recognized compensation cost for an award is reversed in the period the award is forfeited. Stock based compensation expense related to stock options and restricted stock for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Stock option expense ​ $ 309 ​ $ 302 ​ $ 296 Restricted stock expense ​ 390 ​ 396 ​ 391 ​ 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 one (14 – continued) The fair value of options granted during the year ended September 30, 2024 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 3.74 % Risk-free interest rate ​ 4.44 % Expected volatility ​ 28.4 % Expected life of options ​ 6.9 years ​ Weighted average fair value at grant date ​ $ 3.55 ​ ​ The fair value of options granted during the year ended September 30, 2023 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 2.93 % Risk-free interest rate ​ 3.94 % Expected volatility ​ 27.7 % Expected life of options ​ 6.8 years ​ Weighted average fair value at grant date ​ $ 5.71 ​ ​ The fair value of options granted during the year ended September 30, 2022 was determined using the following assumptions: ​ ​ ​ ​ ​ ​ Expected dividend yield ​ 2.32 % Risk-free interest rate ​ 1.55 % Expected volatility ​ 27.0 % Expected life of options ​ 7.1 years ​ Weighted average fair value at grant date ​ $ 7.03 ​ ​ A summary of stock option activity as of September 30, 2024, and changes during the year then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ Weighted ​ Average ​ ​ ​ ​ ​ ​ ​ Average ​ Remaining ​ Aggregate ​ ​ Number of ​ Exercise ​ Contractual ​ Intrinsic ​ ​ Shares ​ Price ​ Term (Years) ​ Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Outstanding at beginning of year 408,669 ​ $ 20.79 ​ Granted 62,983 ​ 15.10 ​ Exercised (6,405) ​ 17.16 ​ Forfeited or expired (5,700) ​ 18.17 ​ Outstanding at end of year 459,547 ​ $ 20.09 4.6 ​ $ 1,538,000 Vested and expected to vest 459,547 ​ $ 20.09 4.6 ​ $ 1,538,000 Exercisable at end of year 264,684 ​ $ 19.04 4.3 ​ $ 1,438,000 ​ The intrinsic value of stock options exercised during the years ended September 30, 2024, 2023 and 2022 was $18,000, $5,000 and $31,000, respectively. At September 30, 2024, there was $709,000 of unrecognized compensation expense related to nonvested stock options. The compensation expense is expected to be recognized over a weighted average period of 2.87 years. Cash received from the exercise of stock options was $94,000 and $16,000 for the years ended September 30, 2024 and 2023, respectively. There was no cash received from the exercise of stock options for the year ended September 30, 2022. The tax benefit from the exercise of stock options was $4,000, $1,000 and $8,000 for the years ended September 30, 2024, 2023 and 2022, respectively. (14 – continued) Restricted Stock: The vesting period of restricted stock granted under the plans is generally one A summary of the Company’s nonvested restricted shares activity as of September 30, 2024 and changes during the year 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 September 30, 2024 57,433 ​ $ 21.64 ​ There were 16,158, 16,408 and 12,225 restricted shares vested during the years ended September 30, 2024, 2023 and 2022, respectively. The total fair value of restricted shares that vested during the years ended September 30, 2024, 2023 and 2022 was $244,000, $369,000 and $327,000, respectively. At September 30, 2024, there was $901,000 of unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over a weighted average period of 2.90 years.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Sep. 30, 2024
INCOME TAXES
INCOME TAXES	(15) The Company and its subsidiaries file consolidated income tax returns. The components of consolidated income tax expense were as follows for the years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ Current ​ $ 17,073 ​ $ 726 ​ $ 256 Valuation allowance ​ 86 ​ 109 ​ (78) Deferred ​ (16,141) ​ (825) ​ 1,745 Income tax expense ​ $ 1,018 ​ $ 10 ​ $ 1,923 ​ (15 – continued) The reconciliation of income tax expense with the amount which would have been provided at the federal statutory rate of 21% for the years ended September 30, 2024, 2023 and 2022 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ Provision at federal statutory rate ​ $ 3,068 ​ $ 1,718 ​ $ 3,635 State income tax-net of federal tax benefit ​ 118 ​ 119 ​ 160 Tax-exempt interest income ​ (1,459) ​ (1,684) ​ (1,314) Bank owned life insurance ​ (289) ​ (227) ​ (209) Captive insurance net premiums ​ — ​ 83 ​ (375) Increase (decrease) in federal deferred tax valuation allowance ​ 86 ​ 109 ​ (78) Nondeductible expenses ​ 107 ​ 179 ​ 99 Tax credits ​ ​ (536) ​ ​ (352) ​ ​ — Other ​ (77) ​ 65 ​ 5 Income tax expense ​ $ 1,018 ​ $ 10 ​ $ 1,923 ​ Significant components of deferred tax assets and liabilities at September 30, 2024 and 2023 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 ​ ​ ​ ​ ​ ​ Deferred tax assets: ​ ​ Allowance for credit losses - loans ​ $ 5,191 ​ $ 4,150 Allowance for credit losses - unfunded commitments ​ ​ 370 ​ ​ — Operating lease liability ​ 1,007 ​ 1,068 Deferred compensation plans ​ 398 ​ 386 Equity incentive plans ​ 135 ​ 127 Other-than-temporary impairment loss on available for sale securities ​ 12 ​ 15 Interest on nonaccrual loans ​ 382 ​ 253 Loss on tax credit investments ​ 314 ​ 244 Unrealized loss on securities available for sale ​ 2,982 ​ 7,882 Tax credit carryforwards ​ ​ — ​ ​ 2,407 Capital loss carryforwards ​ ​ 1,765 ​ ​ 1,679 Mark to market adjustments ​ ​ 587 ​ ​ 350 Accrued expenses ​ ​ 493 ​ ​ 1,025 Other ​ 825 ​ 952 Gross deferred tax assets ​ 14,461 ​ 20,538 Valuation allowance ​ (1,765) ​ (1,679) Net deferred tax assets ​ 12,696 ​ 18,859 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Accumulated depreciation ​ (2,052) ​ (2,269) Operating lease right of use asset ​ ​ (957) ​ ​ (1,027) Installment sale ​ (331) ​ (349) Acquisition purchase accounting adjustments ​ (1,039) ​ (1,173) Servicing assets ​ (101) ​ (14,775) FHLB stock dividends ​ (72) ​ (72) Prepaid expenses ​ (248) ​ (419) Deferred loan fees and costs, net ​ ​ (285) ​ ​ (215) Other ​ (177) ​ (274) Deferred tax liabilities ​ (5,262) ​ (20,573) ​ ​ ​ ​ ​ ​ ​ Net deferred tax asset (liability) ​ $ 7,434 ​ $ (1,714) ​ (15 – continued) Net deferred tax assets are included in other assets on the consolidated balance sheets. Income taxes payable are included in accrued expenses and other liabilities on the consolidated balance sheets. At September 30, 2023, the Company had tax credit carryforwards of $2.4 million, which included federal tax credit carryforwards of $2.3 million and state tax credit carryforwards of $60,000. All tax credit carryforwards were fully utilized in 2024. In assessing the ability of the Company to realize the benefit of the deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, availability of operating loss carrybacks, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods which deferred tax assets are deductible, management believes it is more likely than not the Company will generate sufficient taxable income to realize the benefits of these deductible differences at September 30, 2024 and 2023, except for a valuation allowance of $1.8 million and $1.7 million, respectively, on the net deferred tax asset related to capital losses generated. In assessing the need for a valuation allowance for the deferred tax assets for the capital loss carryforward, the Company considered all positive and negative evidence in assessing whether the weight of available evidence supports the recognition of some or all of the deferred tax assets related to these carryforwards. The Company may not be able to generate capital gains in the future to be able to utilize the capital losses. Therefore, the Company’s assessment of the deferred tax asset warrants the need for a valuation allowance. At September 30, 2024 and 2023, the Company had no liability for unrecognized income tax benefits and does not anticipate any increase in the liability for unrecognized tax benefits during the next twelve months. The Company believes that its income tax positions would be sustained upon examination and does not anticipate any adjustments that would result in a material change to its financial position or results of operations. The Company files consolidated U.S. federal and Indiana state income tax returns and the Bank files returns in additional states due to various nexus creating activities in these jurisdictions. Returns filed in these jurisdictions for tax years ending on or after September 30, 2021, are subject to examination by the relevant taxing authorities. Each entity included in the consolidated federal and state income tax returns filed by the Company are charged or given credit for the applicable tax as though separate returns were filed. Retained earnings of the Bank at September 30, 2024 and 2023 include approximately $4.6 million for which no deferred federal income tax liability has been recognized. This amount represents an allocation of income to bad debt deductions as of September 30, 1988 for tax purposes only. Reduction of such allocated amounts for purposes other than tax bad debt losses, including redemption of bank stock, excess dividends or loss of “bank” status, would create income for tax purposes only, subject to the then-current corporate income tax rate. The unrecorded deferred income tax liability on these amounts was approximately $957,000 at September 30, 2024 and 2023. (15 – continued) The Company is a limited partner in a low-income housing partnership whose purpose is to invest in qualified affordable housing, which serves as an economical means of achieving the Company’s Community Reinvestment Act goals. This investment generates federal income tax credits that exceed the amortization expense associated with the investment, resulting in a positive impact on net income, and the Company expects to recover its remaining investment through utilization of the tax credits. Effective October 1, 2023, the Company early adopted ASU 2023-02, “ Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method. The Company’s investment in the tax credit partnership, net of amortization, totaled $12.1 million and $12.3 million at September 30, 2024 and 2023, respectively, and is included in other assets on the consolidated balance sheets. At September 30, 2024, the Company’s expected payments for unfunded contribution obligations related to the investment are included in accrued expenses and other liabilities in the consolidated balance sheets and were as follows: ​ ​ ​ ​ ​ Years ending September 30: (in thousands) 2025 ​ $ 3,292 2026 ​ 1,457 2027 ​ 3,858 2028 ​ 173 2029 ​ 173 Thereafter ​ 673 Total ​ $ 9,626 ​ The amount of income tax credits and other income tax benefits recognized was $131,000 for the year ended September 30, 2024. The investment amortization expense recognized was $105,000 for the year ended September 30, 2024. There were no income tax credits, other income tax benefits, or investment amortization expense recognized for the years ended September 30, 2023 and 2022. The income tax credits, other income tax benefits, and investment amortization expense recognized were included in income tax expense consolidated net income consolidated

LEASES

LEASES	12 Months Ended
	Sep. 30, 2024
LEASES
LEASES	(16) A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified premises and equipment for a period of time in exchange for consideration. The Company is a lessor in certain leasing agreements, such as for office space, and is a lessee in others, such as for certain office space and equipment. The Company’s operating leases have terms that expire at different dates through August 2028, and some include options to extend the leases in five year increments. Pursuant to FASB ASC 842, operating lease agreements are required to be recognized on the consolidated balance sheet as a right of use (“ROU”) asset and a corresponding lease liability. All of the Company’s leases are classified as operating leases. The Company has adopted all applicable practical expedients permitted under the standard, including the option to expense short-term leases with a term of one year or less. The Company’s right to use an asset over the life of a lease is recorded as an ROU asset included in other assets on the consolidated balance sheets and was $3.9 million and $4.2 million at September 30, 2024 and 2023, respectively. Certain adjustments to the ROU asset may be required for items such as initial direct costs paid or incentives received. The Company recorded a lease liability in other liabilities on the consolidated balance sheets, which had a balance of $4.1 million and $4.4 million at September 30, 2024 and 2023, respectively. The calculated amount of the ROU assets and lease liabilities are impacted by the length of the lease term and the discount rate used to calculate the present value of minimum lease payments. Regarding the discount rate, FASB ASC 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to October 1, 2019, the rate for the remaining lease term as of October 1, 2019 was used. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the Company recognizes lease expense for these leases on a straight-line basis over the term of the lease. Certain leases include one or more options to renew, with renewal terms that can extend the lease term from one Lease expense is included in occupancy and equipment expense on the consolidated statements of income, and was $463,000, $825,000 and $1.1 million for the years ended September 30, 2024, 2023 and 2022, respectively. The components of lease expense for the years ended September 30, 2024, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating lease cost ​ $ 353 ​ $ 552 ​ $ 621 Short-term lease cost ​ ​ 110 ​ ​ 273 ​ ​ 501 ​ ​ $ 463 ​ $ 825 ​ $ 1,122 ​ (16 – continued) Future minimum commitments due under these lease agreements as of September 30, 2024 are as follows, including renewal options that are reasonably certain to be exercised: ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2025 ​ $ 291 2026 ​ 249 2027 ​ 211 2028 ​ 212 2029 ​ 220 Thereafter ​ 4,559 Total lease payments ​ 5,742 Less imputed interest ​ ​ (1,609) Total ​ $ 4,133 ​ The lease term and discount rate at September 30, 2024 and 2023 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 ​ Weighted-average remaining lease term (years) 22.5 ​ 23.0 ​ Weighted-average discount rate ​ 2.96 % 2.97 % ​ Supplemental cash flow information for the years ended September 30, 2024, 2023 and 2022 related to leases was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 314 ​ $ 512 ​ $ 607 ROU assets obtained in exchange for lease obligations: ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating leases ​ $ — ​ $ 188 ​ $ 275 ​ Lessor The Company leases commercial office space to tenants under noncancelable operating leases with terms of five ​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2025 $ 354 2026 ​ 8 2027 ​ 8 2028 ​ 5 Total $ 375 ​

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Sep. 30, 2024
COMMITMENTS AND CONTINGENCIES
COMMITMENTS AND CONTINGENCIES	(17) The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheet. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount and type of collateral obtained, if deemed necessary by the Company upon extension of credit, varies and is based on management’s credit evaluation of the counterparty. Commitments under outstanding standby letters of credit totaled $1.8 million and $1.9 million at September 30, 2024 and 2023, respectively. As noted in Note 1 – Summary of Significant Accounting Policies Standby letters of credit are conditional lending commitments issued by the Company to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit. ​ (17 continued) The Company has not been obligated to perform on any financial guarantees and has incurred no losses on its commitments in 2024 or 2023. The following is a summary of the commitments to extend credit at September 30, 2024 and 2023. Interest rate lock commitments that meet the definition of a derivative are excluded from these totals. ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Loan commitments: ​ ​ Fixed rate ​ $ 8,331 ​ $ 15,220 Adjustable rate ​ 33,941 ​ 54,157 ​ ​ ​ ​ ​ ​ ​ Guarantees of third-party revolving credit ​ 290 ​ 290 Undisbursed portion of home equity lines of credit ​ 187,978 ​ 147,398 Undisbursed portion of commercial and personal lines of credit ​ 70,173 ​ 64,330 Undisbursed portion of construction loans in process ​ 25,084 ​ 72,859 Total commitments to extend credit ​ $ 325,797 ​ $ 354,254 ​ In connection with the sale of residential mortgage loans to third party investors, the Company makes usual and customary representations and warranties as to the propriety of its origination activities. In certain circumstances, the investors require the Company to repurchase loans sold to them under the terms of the warranties. When this happens, the loans are recorded at fair value with a corresponding charge to a valuation reserve. At September 30, 2024 and 2023, the Company had established a reserve for loan repurchases or indemnifications of $294,000 and $676,000, respectively, which is included in other liabilities in the accompanying consolidated balance sheets. Provisions for loan repurchases or indemnifications totaling $62,000, $704,000 and $672,000 were made for the years ended September 30, 2024, 2023 and 2022, respectively, and are included in mortgage banking income in the accompanying consolidated statements of income. As of September 30, 2024, in the normal course of business, there were pending legal actions and proceedings in which claims for damages are asserted. Management, after discussion with legal counsel, believes the ultimate result of these legal actions and proceedings will not have a material adverse effect on the consolidated financial position or results of operations of the Company.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Sep. 30, 2024
DERIVATIVE FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	(18) Prior to the wind down of the Company’s national mortgage banking operation in the quarter ended December 31, 2023, the Company entered into commitments to originate loans whereby the interest rate on the loan was determined prior to funding (i.e., rate lock commitment). The Company also entered into forward mortgage loan commitments to sell to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts are considered derivatives and are recorded on the balance sheet at fair value in accordance with FASB ASC 815, Derivatives and Hedging (18 continued) Certain financial instruments, including derivatives, may be eligible for offset in the balance sheet when the “right of setoff” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements. However, the Company has not elected to offset such financial instruments in the consolidated balance sheets. 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 September 30, 2024. The Company may be required to post margin collateral to derivative counterparties based on agreements with the dealers. At September 30, 2024, there were no interest rate lock commitments or forward sales contracts, and therefore no requirement to post collateral. At September 30, 2023, the Company had cash collateral posted with certain derivative counterparties against its derivative obligations of $1.5 million. Cash collateral related to derivative contracts is recorded in interest-bearing deposits with banks or other assets in the consolidated balance sheets. The table below provides information on the Company’s derivative financial instruments as of September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 67,040 ​ $ 452 ​ $ 184 Forward mortgage loan sale contracts ​ 66,000 ​ 471 ​ 12 ​ ​ $ 133,040 ​ $ 923 ​ $ 196 ​ Income (loss) related to derivative financial instruments included in mortgage banking income in the accompanying consolidated statements of income for the years ended September 30, 2024, 2023 and 2022, is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ (268) ​ $ 505 ​ $ (1,805) Forward mortgage loan sale contracts ​ 354 ​ 1,353 ​ 20,398 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 86 ​ $ 1,858 ​ $ 18,593 ​

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Sep. 30, 2024
FAIR VALUE MEASUREMENTS
FAIR VALUE MEASUREMENTS	(19) FASB ASC Topic 820 , Fair Value Measurements, Level 1: Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets. A quoted market price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available. ​ Level 2: Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are not active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means. Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level 3 assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation. A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. The table below presents the balances of financial assets measured at fair value on a recurring and nonrecurring basis at September 30, 2024. There were no financial liabilities measured at fair value on a recurring or nonrecurring basis at September 30, 2024. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2024: ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 27,411 ​ $ — ​ $ — ​ $ 27,411 Agency mortgage-backed ​ ​ — ​ ​ 26,276 ​ ​ — ​ ​ 26,276 Agency CMO ​ — ​ 14,926 ​ — ​ 14,926 Privately-issued CMO ​ — ​ 20 ​ 240 ​ 260 Privately-issued ABS ​ — ​ 235 ​ 78 ​ 313 SBA certificates ​ — ​ 11,896 ​ 30 ​ 11,926 Municipal bonds ​ — ​ 165,687 ​ — ​ 165,687 Other ​ ​ — ​ ​ — ​ ​ 1,880 ​ ​ 1,880 Total securities available for sale ​ $ 27,411 ​ $ 219,040 ​ $ 2,228 ​ $ 248,679 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities (included in other assets) ​ $ 194 ​ $ 456 ​ $ — ​ $ 650 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 1,100 ​ $ 1,100 Commercial real estate ​ ​ — ​ ​ — ​ ​ 120 ​ ​ 120 SBA real estate ​ ​ — ​ ​ — ​ ​ 1,763 ​ ​ 1,763 Commercial business ​ — ​ — ​ 768 ​ 768 SBA commercial business ​ ​ — ​ ​ — ​ ​ 1,183 ​ ​ 1,183 Consumer ​ ​ — ​ ​ — ​ ​ 4 ​ ​ 4 Total collateral dependent loans ​ $ — ​ $ — ​ $ 4,938 ​ $ 4,938 SBA loan servicing rights ​ $ — ​ $ — ​ $ 2,687 ​ $ 2,687 ​ ​ (19 – continued) The table below presents the balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis as of September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 25,949 ​ $ — ​ $ — ​ $ 25,949 Agency mortgage-backed ​ ​ — ​ ​ 24,268 ​ ​ — ​ ​ 24,268 Agency CMO ​ — ​ 12,742 ​ — ​ 12,742 Privately-issued CMO ​ — ​ 46 ​ 350 ​ 396 Privately-issued ABS ​ — ​ 364 ​ 79 ​ 443 SBA certificates ​ — ​ 10,714 ​ 31 ​ 10,745 Municipal bonds ​ — ​ 151,484 ​ — ​ 151,484 Other ​ ​ — ​ ​ 1,712 ​ ​ — ​ ​ 1,712 Total securities available for sale ​ $ 25,949 ​ $ 201,330 ​ $ 460 ​ $ 227,739 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 24,692 ​ $ — ​ $ 24,692 Derivative assets (included in other assets) ​ $ — ​ $ 471 ​ $ 452 ​ $ 923 Equity securities (included in other assets) ​ $ 160 ​ $ — ​ $ — ​ $ 160 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 59,768 ​ $ 59,768 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 12 ​ $ 184 ​ $ 196 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 306 ​ $ 306 Commercial business ​ — ​ — ​ 965 ​ 965 SBA commercial business ​ ​ — ​ ​ — ​ ​ 237 ​ ​ 237 Total collateral dependent loans ​ $ — ​ $ — ​ $ 1,508 ​ $ 1,508 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loan servicing rights ​ $ — ​ $ — ​ $ 2,950 ​ $ 2,950 ​ Fair value is based upon quoted market prices, where available. If quoted market prices are not available, fair value is based on internally-developed models or obtained from third parties that primarily use, as inputs, observable market-based parameters or a matrix pricing model that employs the Bond Market Association’s standard calculations for cash flow and price/yield analysis and observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value, or the lower of cost or fair value. These adjustments may include unobservable parameters. Any such valuation adjustments have been applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. 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 year ended September 30, 2024. ​ (19 – continued) Securities Available for Sale and Equity Securities. During the year ended September 30, 2024, the Company transferred one available for sale 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 September 30, 2024, the significant unobservable input used in the fair value measurement of available for sale investment securities was as follows: ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ Range of Inputs (Weighted Average) Financial Instrument Unobservable Inputs September 30, 2024 Other investment security Estimated market rate 9.00% - 10.00% (9.15%) ​ 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 year ended September 30, 2024: ​ ​ ​ ​ ​ ​ ​ Year Ended (In thousands) September 30, 2024 ​ ​ ​ ​ Beginning balance ​ $ 460 Transfers from Level 2 to Level 3 ​ 1,200 Change in value ​ 568 Ending balance in Level 3 ​ $ 2,228 ​ 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 years ended September 30, 2023 and 2022. 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 year ended September 30, 2024. Residential Mortgage Loans Held for Sale (19 – continued) SBA and Single Tenant Net Lease Loans Held for Sale Derivative Financial Instruments The fair value of interest rate lock commitments is also obtained from an independent third party and is based on investor prices for the underlying loans or current secondary market prices for loans with similar characteristics, less estimated costs to originate the loans and adjusted for the anticipated funding probability (pull-through rate). The fair value of interest rate lock commitments is classified as Level 3 in the fair value hierarchy. The table below presents a reconciliation of derivative assets and liabilities (interest rate lock commitments) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 268 ​ $ (238) ​ $ 1,567 Unrealized gains (losses) recognized in earnings, net of settlements ​ (268) ​ 506 ​ (1,805) ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ — ​ $ 268 ​ $ (238) ​ ​ The realized and unrealized gains (losses) recognized in earnings in the table above are included in mortgage banking income on the accompanying consolidated statements of income. There were no gains or losses recognized in earnings for the year ended September 30, 2024 attributable to Level 3 derivative assets and liabilities. Gains recognized in earnings for the year ended September 30, 2023 attributable to Level 3 derivative assets and liabilities held at the balance sheet date were $268,000. Losses recognized in earnings for the year ended September 30, 2022 attributable to Level 3 derivative assets and liabilities held at the balance sheet date were $238,000. (19 – continued) There were no interest rate lock commitments as of September 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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 Range ​ ​ Significant ​ of Inputs ​ Unobservable (Weighted Financial Instrument ​ Inputs ​ Average) ​ ​ ​ ​ ​ 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 September 30, 2024 and 2023, the significant unobservable inputs used in the fair value measurement of collateral dependent loans were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2024 ​ 2023 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument Inputs (Weighted Average) (Weighted Average) Collateral dependent loans Discount from appraised value ​ 0% - 100.0% (18.42%) 10.0% - 50.0% (14.22%) ​ Estimated costs to sell ​ 6.0% - 6.0% (6.00%) 6.0% - 6.0% (6.00%) ​ Provisions for credit losses recognized for collateral dependent loans for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Provision for credit losses recognized ​ $ 1,322 ​ $ 256 ​ $ 2,421 ​ (19 – continued) SBA and Nonresidential Mortgage Loan Servicing Rights ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant 2024 2023 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument ​ Inputs ​ (Weighted Average) ​ (Weighted Average) SBA loan servicing rights ​ Discount rate ​ 7.57% - 25.00% (11.75%) ​ 10.25% - 25.00% (13.79%) ​ Prepayment speed 9.67% - 29.11% (19.06%) 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. Impairment charges to write down SBA loan servicing rights to fair value for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Charges to write down SBA loan servicing rights ​ $ 591 ​ $ 882 ​ $ 216 ​ Nonresidential mortgage loan servicing rights represent the value associated with servicing single tenant net lease loans that have been sold. The fair value of nonresidential mortgage loan servicing rights is determined by management on a quarterly basis using a discounted cash flow model, and is classified as Level 3 in the fair value hierarchy. At September 30, 2024 and 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 years ended September 30, 2024, 2023 and 2022. Other Real Estate Owned Other real estate owned is reported at fair value, less estimated costs to dispose of the property. The fair values are determined by real estate appraisals which are then discounted to reflect management’s estimate of the fair value of the property given current market conditions and the condition of the property. At September 30, 2024 and 2023, the Company did not have any other real estate owned measured at fair value on a nonrecurring basis. There were no charges to write down other real estate owned to fair value for the years ended September 30, 2024, 2023 and 2022. ​ (19 – continued) Transfers between Categories Financial Instruments Recorded Using Fair Value Option. The Company had no residential mortgage loans held for sale as of September 30, 2024. The Company has elected the fair value option for its residential mortgage loans held for sale as of September 30, 2023. 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 The table below presents the difference between the aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale for which the fair value option had been elected as of September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2023: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ 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 years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ (97) ​ $ 482 ​ $ (385) Interest income ​ 473 ​ 2,256 ​ 3,989 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 376 ​ $ 2,738 ​ $ 3,604 ​ (19 – continued) Fair Value of Financial Instruments The following tables summarize the carrying value and estimated fair value of financial instruments reported at amortized cost and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ September 30, 2024: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 39,393 ​ $ 39,393 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 12,749 ​ 12,749 ​ — ​ — Interest-bearing time deposits ​ 490 ​ — ​ 490 ​ — Securities held to maturity ​ 1,040 ​ — ​ 29 ​ 1,023 SBA loans held for sale ​ ​ 25,716 ​ ​ — ​ ​ 28,375 ​ ​ — Loans, net ​ 1,963,852 ​ — ​ — ​ 1,892,241 FRB and FHLB stock ​ 24,986 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 11,376 ​ — ​ 11,376 ​ — Nonresidential mortgage loan servicing rights ​ 67 ​ — ​ — ​ 67 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ ​ 191,528 ​ ​ 191,528 ​ ​ — ​ ​ — Interest-bearing deposits ​ ​ 1,689,353 ​ ​ — ​ ​ — ​ ​ 1,688,980 Borrowings from FHLB ​ 301,640 ​ — ​ 299,259 ​ — Subordinated notes ​ 48,603 ​ — ​ 47,760 ​ — Accrued interest payable ​ 13,384 ​ — ​ 13,384 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 931 ​ ​ — ​ ​ 931 ​ ​ — ​ ​ (19 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 18,014 ​ $ 18,014 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 12,831 ​ 12,831 ​ — ​ — Interest-bearing time deposits ​ 490 ​ — ​ 490 ​ — Securities held to maturity ​ 1,300 ​ — ​ 38 ​ 1,265 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 ​ ​ — Nonresidential mortgage loan servicing rights ​ 101 ​ — ​ — ​ 101 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ 242,237 ​ 242,237 ​ — ​ — Interest-bearing deposits ​ ​ 1,439,557 ​ ​ — ​ ​ — ​ ​ 1,435,083 Borrowings from FHLB ​ 363,183 ​ — ​ 356,257 ​ — Subordinated notes ​ 48,444 ​ — ​ 46,940 ​ — Accrued interest payable ​ 8,926 ​ — ​ 8,926 ​ — Advance payments by borrowers for taxes and insurance ​ 1,027 ​ — ​ 1,027 ​ — ​ The carrying amounts in the preceding tables are included in the consolidated balance sheets under the applicable captions. The contracted or notional amounts of financial instruments with off-balance-sheet risk are disclosed in Note 17, and the fair value of these instruments is considered immaterial. The methods and assumptions used to estimate fair value are described as follows: Carrying amount is the estimated fair value for cash and cash equivalents, interest-bearing time deposits, accrued interest receivable and payable, advance payments by borrowers for taxes and insurance, demand deposits and other transaction accounts. The fair value of loans (excluding loans held for sale), fixed-maturity certificates of deposit, and borrowed funds is based on discounted cash flows using current market rates applied to the estimated life and credit risk of the instrument. It is not practicable to determine the fair value of FHLB and other restricted stock due to restrictions placed on its transferability. The methods and assumptions used to estimate the fair value of investment securities, loans held for sale, loan servicing rights, and derivative assets and liabilities are discussed previously in Note 18. The methods utilized to measure the fair value of financial instruments at September 30, 2024 and 2023 represent an approximation of exit price, but an actual exit price may differ.

CAPITAL REQUIREMENTS AND RESTRI

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	12 Months Ended
	Sep. 30, 2024
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS	(20) The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1 and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and Tier 1 capital (as defined) to average assets (as defined). The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (“Basel III rules”) became effective for the Bank on January 1, 2015, with full compliance with all of the requirements having been phased in over a multi-year schedule through 2019. Under the Basel III rules, the Bank must hold a conservation buffer above the adequately capitalized risk-based capital ratios disclosed in the table below. The capital conservation buffer was 2.50% for 2024 and 2023. The Bank met all capital adequacy requirements to which it was subject as of September 30, 2024 and 2023. As of September 30, 2024, the most recent notification from the FRB categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, common equity Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s category. ​ (20 – continued) The Company’s and Bank’s actual capital amounts and ratios are also presented in the table. The Company is not subject to the FRB’s consolidated capital requirements because it has less than $3 billion in total consolidated assets. However, management has elected to disclose the Company’s capital amounts and ratios in addition to the Bank’s required disclosures in the table below. No amount was deducted from capital for interest-rate risk at either date. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ for Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes ​ Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2024 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 244,214 12.53 % $ 155,976 8.00 % ​ N/A N/A ​ Bank ​ 242,041 12.42 ​ 155,946 8.00 ​ $ 194,932 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 179,325 9.20 % $ 116,982 6.00 % N/A N/A ​ Bank ​ 221,755 11.38 ​ 116,959 6.00 ​ $ 155,946 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 179,325 9.20 % $ 87,737 4.50 % N/A N/A ​ Bank ​ 221,755 11.38 ​ 87,720 4.50 ​ $ 126,706 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 179,325 7.42 % $ 96,607 4.00 % N/A N/A ​ Bank ​ 221,755 9.18 ​ 96,590 4.00 ​ $ 120,737 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 ​ $ 114,257 5.00 % ​ ​ (20 – continued) Dividend Restriction As an Indiana corporation, the Company is subject to Indiana law with respect to the payment of dividends. Under Indiana law, the Company may pay dividends so long as it is able to pay its debts as they become due in the usual course of business and its assets exceed the sum of its total liabilities, plus the amount that would be needed, if the Company were to be dissolved at the time of the dividend, to satisfy any rights that are preferential to the rights of the persons receiving the dividend. The ability of the Company to pay dividends depends primarily on the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank is subject to banking regulations and applicable Indiana state law. The amount of dividends that the Bank may pay to the Company in any calendar year without prior approval from banking regulators cannot exceed net income for that year to date plus retained net income (as defined) for the preceding two calendar years. The Bank may not declare or pay a cash dividend or repurchase any of its capital stock if the effect thereof would cause the regulatory capital of the Bank to be reduced below regulatory capital requirements imposed by banking regulators or the FDIC, or below the amount of the liquidation account established upon completion of the conversion. Liquidation Account Upon completion of its conversion from mutual to stock form on October 6, 2008, the Bank established a liquidation account in an amount equal to its retained earnings at March 31, 2008, totaling $29.3 million. The liquidation account is maintained for the benefit of depositors as of the March 31, 2007 eligibility record date (or the June 30, 2008 supplemental eligibility record date) who maintain their deposits in the Bank after conversion. In the event of complete liquidation, and only in such an event, each eligible depositor is entitled to receive a liquidation distribution from the liquidation account in the proportionate amount of the then current adjusted balance for deposits then held, before any liquidation distribution may be made with respect to the Bank’s stockholders. Except for the repurchase of stock and payment of dividends by the Bank, the existence of the liquidation account does not restrict the use or application of retained earnings of the Bank.

SUPPLEMENTAL DISCLOSURE FOR EAR

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	12 Months Ended
	Sep. 30, 2024
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE	(21) Basic earnings per common share is computed by dividing net income available to common shareholders by the weighted average number of shares of common stock outstanding during the periods presented. Diluted earnings per common share include the dilutive effect of additional potential common shares issuable under stock options, restricted stock and other potentially dilutive securities outstanding. Earnings and dividends per share are restated for stock splits and dividends through the date of issuance of the financial statements. Earnings per share information is presented below for the years ended September 30, 2024, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands, except share and per share data) 2024 2023 2022 Basic: ​ ​ ​ ​ Earnings: ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 13,592 ​ $ 8,172 ​ $ 15,386 Shares: ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,830,466 ​ 6,848,311 ​ 7,058,550 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 1.99 ​ $ 1.19 ​ $ 2.18 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 13,592 ​ $ 8,172 ​ $ 15,386 Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,830,466 ​ 6,848,311 ​ 7,058,550 Add: Dilutive effect of outstanding options ​ 26,054 ​ 31,761 ​ 71,240 Add: Dilutive effect of restricted stock ​ — ​ — ​ 12,056 Weighted average common shares outstanding, as adjusted ​ 6,856,520 ​ 6,880,072 ​ 7,141,846 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 1.98 ​ $ 1.19 ​ $ 2.15 ​ Nonvested restricted stock shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. There were no antidilutive restricted stock awards excluded from the calculation of diluted net income per share for the years ended September 30, 2024, 2023 and 2022. Stock options for 332,872, 280,989 and 137,250 shares of common stock were excluded from the calculation of diluted net income per common share for the years ended September 30, 2024, 2023 and 2022, respectively, because their effect was antidilutive.

PARENT COMPANY CONDENSED FINANC

PARENT COMPANY CONDENSED FINANCIAL INFORMATION	12 Months Ended
	Sep. 30, 2024
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
PARENT COMPANY CONDENSED FINANCIAL INFORMATION	(22) Condensed financial information for First Savings Financial Group, Inc. (parent company only) follows: Balance Sheets ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, (In thousands) 2024 2023 ​ ​ ​ ​ ​ ​ Assets: ​ ​ Cash and due from banks ​ $ 4,240 ​ $ 7,425 Other assets ​ 2,679 ​ 1,489 Investment in subsidiaries ​ 219,546 ​ 190,946 ​ ​ $ 226,465 ​ $ 199,860 ​ ​ ​ ​ ​ ​ ​ Liabilities and Equity: ​ ​ Subordinated notes ​ $ 48,603 ​ $ 48,444 Accrued expenses ​ 747 ​ 435 Stockholders’ equity ​ 177,115 ​ 150,981 ​ ​ $ 226,465 ​ $ 199,860 ​ Statements of Income ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ Dividend income from subsidiaries ​ $ 4,500 ​ $ 1,335 ​ $ 1,300 Interest expense ​ (3,204) ​ (2,794) ​ (2,111) Other operating income ​ ​ - ​ ​ 660 ​ ​ — Other operating expenses ​ (1,362) ​ (1,525) ​ (1,475) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loss before income taxes and equity in undistributed net income of subsidiaries ​ (66) ​ (2,324) ​ (2,286) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income tax benefit ​ 923 ​ 772 ​ 795 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before equity in undistributed net income of subsidiaries ​ 857 ​ (1,552) ​ (1,491) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ 12,735 ​ 9,724 ​ 16,877 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 13,592 ​ $ 8,172 ​ $ 15,386 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Comprehensive income (loss) ​ $ 31,984 ​ $ 5,664 ​ $ (20,593) ​ ​ (22 – continued) Statements of Cash Flows ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating Activities: ​ ​ ​ Net income ​ $ 13,592 ​ $ 8,172 ​ $ 15,386 Adjustments to reconcile net income to net cash provided by (used in) operating activities: ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ (12,735) ​ (9,724) ​ (16,877) Amortization of subordinated debt issuance costs ​ ​ 159 ​ ​ 227 ​ ​ — Stock compensation expense ​ 699 ​ 698 ​ 688 Gain from repurchase of subordinated debt ​ ​ — ​ ​ (660) ​ ​ — Net change in other assets and liabilities ​ (879) ​ (456) ​ (93) Net cash provided by (used in) operating activities ​ 836 ​ (1,743) ​ (896) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investing Activities: ​ ​ ​ Investment in bank subsidiary ​ — ​ — ​ (10,000) Net cash used in investing activities ​ — ​ — ​ (10,000) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financing Activities: ​ ​ ​ Repurchase of subordinated debt ​ ​ — ​ ​ (1,340) ​ ​ — Net proceeds from subordinated debt ​ — ​ — ​ 30,258 Proceeds from issuance of common stock from treasury ​ 15 ​ — ​ — Exercise of stock options ​ 94 ​ 16 ​ — Tax paid on stock award shares for employees ​ — ​ (30) ​ (48) Purchase of treasury stock ​ ​ (79) ​ ​ (2,625) ​ ​ (4,745) Dividends paid ​ (4,051) ​ (3,793) ​ (4,499) Net cash provided by (used in) financing activities ​ (4,021) ​ (7,772) ​ 20,966 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net increase (decrease) in cash and due from banks ​ (3,185) ​ (9,515) ​ 10,070 Cash and due from banks at beginning of year ​ 7,425 ​ 16,940 ​ 6,870 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks at end of year ​ $ 4,240 ​ $ 7,425 ​ $ 16,940 ​

CONCENTRATION OF CREDIT RISK

CONCENTRATION OF CREDIT RISK	12 Months Ended
	Sep. 30, 2024
CONCENTRATION OF CREDIT RISK
CONCENTRATION OF CREDIT RISK	(23) At September 30, 2024 and 2023, the Company had a concentration of credit risk with correspondent banks in excess of the federal deposit insurance limit of $31.9 million and $9.4 million, respectively.

SELECTED QUARTERLY FINANCIAL IN

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	12 Months Ended
	Sep. 30, 2024
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	(24) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2024: ​ ​ ​ ​ Interest income ​ $ 28,655 ​ $ 30,016 ​ $ 31,094 ​ $ 32,223 Interest expense ​ 14,542 ​ 15,678 ​ 16,560 ​ 17,146 Net interest income ​ 14,113 ​ 14,338 ​ 14,534 ​ 15,077 Provision for credit losses – loans ​ 470 ​ 713 ​ 501 ​ 1,808 Provision (credit) for unfunded lending commitments ​ (58) ​ (259) ​ 158 ​ (262) Provision (credit) for credit losses – securities ​ — ​ 23 ​ 84 ​ (86) Total provision for loan losses ​ 412 ​ 477 ​ 743 ​ 1,460 Net interest income after provision for loan losses ​ 13,701 ​ 13,861 ​ 13,791 ​ 13,617 Noninterest income ​ 2,782 ​ 3,710 ​ 3,196 ​ 2,842 Noninterest expenses ​ ​ 16,039 ​ ​ 11,778 ​ ​ 12,431 ​ ​ 12,642 Income before income taxes ​ 444 ​ 5,793 ​ 4,556 ​ 3,817 Income tax expense (benefit) ​ ​ (476) ​ ​ 866 ​ ​ 483 ​ ​ 145 Net income ​ $ 920 ​ $ 4,927 ​ $ 4,073 ​ $ 3,672 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.13 ​ $ 0.72 ​ $ 0.60 ​ $ 0.54 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.13 ​ $ 0.72 ​ $ 0.60 ​ $ 0.53 ​ ​ (24 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2023: ​ ​ ​ ​ Interest income ​ $ 23,483 ​ $ 24,811 ​ $ 26,798 ​ $ 28,137 Interest expense ​ 7,222 ​ 9,899 ​ 11,933 ​ 12,601 Net interest income ​ 16,261 ​ 14,912 ​ 14,865 ​ 15,536 Provision for loan losses ​ 984 ​ 372 ​ 441 ​ 815 Net interest income after provision for loan losses ​ 15,277 ​ 14,540 ​ 14,424 ​ 14,721 Noninterest income ​ 5,188 ​ 7,516 ​ 7,196 ​ 5,442 Noninterest expenses ​ 17,511 ​ 17,999 ​ 18,965 ​ 21,647 Income (loss) before income taxes ​ 2,954 ​ 4,057 ​ 2,655 ​ (1,484) Income tax expense (benefit) ​ 83 ​ 333 ​ 331 ​ (737) Net income (loss) ​ $ 2,871 ​ $ 3,724 ​ $ 2,324 ​ $ (747) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, basic ​ $ 0.42 ​ $ 0.54 ​ $ 0.34 ​ $ (0.11) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, diluted ​ $ 0.42 ​ $ 0.54 ​ $ 0.34 ​ $ (0.11) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ Interest income ​ $ 15,762 ​ $ 15,801 ​ $ 18,479 ​ $ 21,152 Interest expense ​ 1,859 ​ 1,788 ​ 2,568 ​ 4,327 Net interest income ​ 13,903 ​ 14,013 ​ 15,911 ​ 16,825 Provision (credit) for loan losses ​ 526 ​ (30) ​ 532 ​ 880 Net interest income after provision for loan losses ​ 13,377 ​ 14,043 ​ 15,379 ​ 15,945 Noninterest income ​ 16,591 ​ 20,072 ​ 10,033 ​ 4,531 Noninterest expenses ​ 24,852 ​ 25,461 ​ 22,835 ​ 19,514 Income before income taxes ​ 5,116 ​ 8,654 ​ 2,577 ​ 962 Income tax expense (benefit) ​ 811 ​ 1,619 ​ (61) ​ (446) Net income ​ $ 4,305 ​ $ 7,035 ​ $ 2,638 ​ $ 1,408 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.60 ​ $ 0.99 ​ $ 0.37 ​ $ 0.20 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.60 ​ $ 0.98 ​ $ 0.37 ​ $ 0.20 ​

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Sep. 30, 2024
SEGMENT REPORTING
SEGMENT REPORTING	(25) The Company’s operations include two primary segments: core banking and SBA lending. Prior to September 30, 2023, the Company also operated a mortgage banking segment. However, the mortgage banking segment was wound down during the quarter ended December 30, 2023. The core banking segment originates residential, commercial and consumer loans and attracts deposits from its customer base. Net interest income from loans and investments funded by deposits and borrowings is the primary revenue for the core banking segment. The SBA lending segment originates loans guaranteed by the SBA, subsequently selling the guaranteed portion to outside investors. Net gains on sales of loans and net interest income are the primary sources of revenue for the SBA lending segment. The mortgage banking segment originated residential mortgage loans and sold them in the secondary market. Net gains on the sales of loans, income from derivative financial instruments and net interest income were the primary sources of revenue for the mortgage banking segment. The core banking segment is comprised primarily of the Bank and First Savings Investments, Inc., while the SBA lending segment’s revenues are comprised primarily of net interest income and gains on the sales of SBA loans generated by Q2. The mortgage banking segment operated as a separate division of the Bank. The following segment financial information has been derived from the internal financial statements of the Company which are used by management to monitor and manage financial performance. The accounting policies of these segments are the same as those of the Company. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Consolidated (In thousands) Banking Lending Totals Year Ended September 30, 2024: ​ ​ ​ ​ Net interest income ​ $ 54,252 ​ $ 3,810 ​ $ 58,062 Provision for credit losses - loans ​ 2,577 ​ 915 ​ 3,492 Credit for unfunded lending commitments ​ ​ (175) ​ ​ (246) ​ ​ (421) Provision for credit losses - securities ​ 21 ​ — ​ 21 Total provision for credit losses ​ ​ 2,423 ​ ​ 669 ​ ​ 3,092 Net interest income after provision for credit losses ​ ​ 51,829 ​ ​ 3,141 ​ ​ 54,970 Net gains on sales of loans, SBA ​ ​ — ​ ​ 3,013 ​ ​ 3,013 Mortgage banking income ​ ​ 197 ​ ​ — ​ ​ 197 Noninterest income ​ ​ 8,832 ​ ​ 3,698 ​ ​ 12,530 Noninterest expense ​ 44,578 ​ 8,312 ​ 52,890 Income (loss) before taxes ​ 16,083 ​ (1,473) ​ 14,610 Income tax expense (benefit) ​ 1,374 ​ (356) ​ 1,018 Segment profit (loss) ​ 14,709 ​ (1,117) ​ 13,592 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,365 ​ 6 ​ 2,371 Segment assets at September 30, 2024 ​ 2,346,997 ​ 103,371 ​ 2,450,368 ​ ​ (25 – continued) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Totals Year Ended September 30, 2023: ​ ​ ​ ​ Net interest income ​ $ 56,214 ​ $ 4,176 ​ $ 1,184 ​ $ 61,574 Provision (credit) for loan losses ​ ​ 3,270 ​ (658) ​ — ​ 2,612 Net interest income after provision ​ ​ 52,944 ​ ​ 4,834 ​ ​ 1,184 ​ ​ 58,962 Net gains on sales of loans, SBA ​ — ​ 2,717 ​ — ​ 2,717 Mortgage banking income ​ ​ 88 ​ ​ — ​ ​ 14,243 ​ ​ 14,331 Noninterest income ​ ​ 7,762 ​ ​ 3,337 ​ ​ 14,243 ​ ​ 25,342 Noninterest expense ​ ​ 45,017 ​ ​ 9,600 ​ ​ 21,505 ​ ​ 76,122 Income (loss) before taxes ​ ​ 15,689 ​ ​ (1,429) ​ ​ (6,078) ​ ​ 8,182 Income tax expense (benefit) ​ ​ 1,911 ​ (381) ​ (1,520) ​ 10 Segment profit (loss) ​ ​ 13,778 ​ (1,048) ​ (4,558) ​ 8,172 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,439 ​ 20 ​ 90 ​ 2,549 Segment assets at September 30, 2023 ​ 2,110,311 ​ 89,724 ​ 88,819 ​ 2,288,854 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended September 30, 2022: ​ ​ ​ ​ ​ Net interest income ​ $ 52,184 ​ $ 6,108 ​ $ 2,360 ​ $ 60,652 Provision for loan losses ​ 1,295 ​ 613 ​ — ​ 1,908 Net interest income after provision ​ 50,889 ​ ​ 5,495 ​ ​ 2,360 ​ ​ 58,744 Net gains on sales of loans, SBA ​ — ​ 3,698 ​ — ​ 3,698 Mortgage banking income (loss) ​ (2) ​ ​ — ​ ​ 38,339 ​ ​ 38,337 Noninterest income ​ 8,292 ​ ​ 4,623 ​ ​ 38,312 ​ ​ 51,227 Noninterest expense ​ 39,979 ​ ​ 8,721 ​ ​ 43,962 ​ ​ 92,662 Income (loss) before taxes ​ 19,202 ​ ​ 1,397 ​ ​ (3,290) ​ ​ 17,309 Income tax expense (benefit) ​ ​ 2,133 ​ 408 ​ (618) ​ 1,923 Segment profit (loss) ​ ​ 17,069 ​ 989 ​ (2,672) ​ 15,386 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 2,256 ​ 30 ​ 162 ​ 2,448 Segment assets at September 30, 2022 ​ ​ 1,880,813 ​ 105,342 ​ 107,570 ​ 2,093,725 ​

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Sep. 30, 2024
REVENUE FROM CONTRACTS WITH CUSTOMERS
REVENUE FROM CONTRACTS WITH CUSTOMERS	(26) REVENUE FROM CONTRACTS WITH CUSTOMERS Substantially all of the Company’s revenue from contracts with customers within the scope of FASB ASC 606 is included in the core banking segment and is recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended ​ ​ September 30, ​ 2024 ​ 2023 ​ 2022 ​ ​ (In thousands) In Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 1,950 ​ $ 2,017 ​ $ 1,864 ATM and interchange fees ​ 2,269 ​ ​ 2,756 ​ ​ 2,753 Commission income ​ 956 ​ ​ 746 ​ ​ 717 Other ​ 109 ​ ​ 111 ​ ​ 110 Revenue from contracts with customers ​ 5,284 ​ ​ 5,630 ​ ​ 5,444 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Out of Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ Net unrealized gain (loss) on equity securities ​ ​ 491 ​ ​ 57 ​ ​ (10) Gain (loss) on sale of securities ​ — ​ ​ (551) ​ ​ 476 Gain on sale of SBA loans ​ 3,013 ​ ​ 2,717 ​ ​ 3,698 Gain on sale of single tenant net lease loans ​ ​ — ​ ​ — ​ ​ 719 Mortgage banking income ​ 197 ​ ​ 14,331 ​ ​ 38,337 Increase in cash value of life insurance ​ 1,378 ​ ​ 1,081 ​ ​ 993 Real estate lease income ​ 506 ​ ​ 469 ​ ​ 571 Other ​ ​ 1,661 ​ ​ 1,608 ​ ​ 999 Other noninterest income ​ 7,246 ​ ​ 19,712 ​ ​ 45,783 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 12,530 ​ $ 25,342 ​ $ 51,227 ​ A description of the Company’s revenue streams accounted for under FASB ASC 606 follows: Service Charges on Deposit Accounts ATM and Interchange Fees (26 – continued) Commission Income Other Income

MORTGAGE BANKING INCOME

MORTGAGE BANKING INCOME	12 Months Ended
	Sep. 30, 2024
MORTGAGE BANKING INCOME
MORTGAGE BANKING INCOME	(27) MORTGAGE BANKING INCOME ​ The components of mortgage banking income for the years ended September 30, 2024, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, ​ 2024 2023 2022 (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ (1,121) ​ $ 6,300 ​ $ (674) Mortgage brokerage income ​ 35 ​ 369 ​ 762 Net change in fair value of loans held for sale and interest rate lock commitments ​ (365) ​ 987 ​ (4,206) Realized and unrealized hedging gains ​ 354 ​ 1,353 ​ 20,398 Capitalized residential mortgage loan servicing rights ​ 509 ​ 2,354 ​ 11,161 Net change in fair value of residential mortgage loan servicing rights ​ (809) ​ (5,849) ​ 2,523 Net loan servicing income ​ 1,532 ​ 9,521 ​ 9,045 Provisions for loan repurchases and indemnifications ​ 62 ​ (704) ​ (672) Total mortgage banking income ​ $ 197 ​ $ 14,331 ​ $ 38,337 ​ (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
	Sep. 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

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Sep. 30, 2024
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Nature of Operations	Nature of Operations First Savings Financial Group, Inc. (the “Company”) is a financial holding company and the parent of First Savings Bank (the “Bank”). The Bank, which is a wholly-owned Indiana-chartered commercial bank subsidiary of the Company, provides a variety of banking services to individuals and business customers through 16 locations in southern Indiana. The Bank attracts deposits primarily from the general public and uses those funds, along with other borrowings, primarily to originate residential mortgage, commercial mortgage, construction, commercial business and consumer loans, and to a lesser extent, to invest in mortgage-backed securities and other debt securities. The Bank has three wholly owned subsidiaries: Q2 Business Capital, LLC (“Q2”), an Indiana limited liability company that specializes in the origination and servicing of U.S. Small Business Administration (“SBA”) loans, First Savings Investments, Inc., a Nevada corporation that manages a securities portfolio and Southern Indiana Financial Corporation, which is currently inactive. First Savings Insurance Risk Management, Inc. (the “Captive”), which was a wholly-owned insurance subsidiary of the Company, was a Nevada corporation that provided property and casualty insurance to the Company, the Bank and the Bank’s active subsidiaries. In addition, the Captive provided reinsurance to 11 other third-party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace. Effective September 30, 2023, the Captive was dissolved and is no longer in existence.
Basis of Consolidation and Reclassifications	Basis of Consolidation and Reclassifications The consolidated financial statements include the accounts of the Company and its subsidiaries, have been prepared in accordance with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. Intercompany balances and transactions have been eliminated.
Statements of Cash Flows	Statements of Cash Flows For purposes of the statements of cash flows, the Company has defined cash and cash equivalents as cash on hand, amounts due from banks (including cash items in process of clearing), interest-bearing deposits with other banks having an original maturity of 90 days or less and money market funds.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses.
Investment Securities	Investment Securities Debt Securities Available for Sale Amortization of premiums and accretion of discounts are recognized in interest income using methods approximating the interest method over the period to maturity, adjusted for anticipated prepayments. Unrealized gains and losses, net of tax, on securities available for sale are included in other comprehensive income (loss) and the accumulated unrealized holding gains and losses are reported as a separate component of equity until realized. Realized gains and losses on the sale of securities available for sale are determined using the specific identification method and are included in other noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income (loss). Allowance for Credit Losses – Available for Sale (AFS) Securities: Debt Securities Held to Maturity Allowance for Credit Losses – Held to Maturity (HTM) Securities: Equity Securities Investments in non-marketable equity securities such as FRB stock and FHLB stock are carried at cost and are classified as restricted securities. The Bank is a member of the FHLB system and is required to own FHLB stock, the amount of which depends on the level of borrowings and other factors. Both cash and stock dividends received from these investments are included in dividend income. Impairment testing on these investments is based on applicable accounting guidance and the cost basis is reduced when impairment is deemed to be permanent.
Loans Held for Sale	Loans Held for Sale The Company has elected to record substantially all residential mortgage loans held for sale at fair value in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 825-10. Net unrealized gains and losses are included in mortgage banking income in the accompanying consolidated statements of income. Realized gains on sales of residential mortgage loans are determined using the specific identification method and are included in mortgage banking income. The Company originates loans to customers under the SBA 7(a) and other programs that generally provide for SBA guarantees of 75% to 90% of each loan. Guaranteed portions of SBA are oftentimes sold to the secondary market. However, the Company retains certain guaranteed portions on the consolidated balance sheet. SBA loans classified as held for sale at September 30, 2024 and 2023 represented guaranteed portions intended for sale. At September 30, 2024 and 2023, SBA loans held for sale totaling $25.7 million and $21.2 million, respectively, were carried at the lower of aggregate cost or fair value. Realized gains and losses on sales of SBA loans held for sale are determined based on the allocation of participating interests sold and retained and are included in net gain on sales of SBA loans in the accompanying consolidated statements of income. Direct loan origination costs and fees related to SBA loans held for sale are deferred upon origination and are recognized as an adjustment to the gain or loss on the date of sale. SBA loans held for sale are sold on a servicing retained basis.
Transfers of Financial Assets	Transfers of Financial Assets The Company accounts for transfers and servicing of financial assets in accordance with FASB ASC 860, Transfers and Servicing Transfers of a portion of a loan must meet the criteria of a participating interest. If it does not meet the criteria of a participating interest, the transfer must be accounted for as a secured borrowing. In order to meet the criteria for a participating interest, all cash flows from the loan must be divided proportionately, the rights of each loan holder must have the same priority, and the loan holders must have no recourse to the transferor other than standard representations and warranties and no loan holder has the right to pledge or exchange the entire loan. The Company sells financial assets in the normal course of business, the majority of which are related to the SBA-guaranteed portion of loans, residential mortgage loan sales through established programs, and commercial loan sales through participation agreements. In accordance with accounting guidance for asset transfers, the Company considers any ongoing involvement with transferred assets in determining whether the assets can be derecognized from the balance sheet. With the exception of servicing and certain performance-based guarantees, the Company’s continuing involvement with financial assets sold is minimal and generally limited to market customary representation and warranty clauses. If the transfer of loans subject to loan participation does not meet the sale criteria or participation interest criteria under FASB ASC 860, the transfer is accounted for as a secured borrowing and the loan is not de-recognized and a participating liability is recorded in the consolidated balance sheets. When the Company sells financial assets, it may retain servicing rights and/or other interests in the financial assets. The gain or loss on sale depends on the previous carrying amount of the transferred financial assets, the servicing right recognized, and the consideration received and any liabilities incurred in exchange for the transferred assets. Upon transfer, any servicing assets and other interests held by the Company are carried at the lower of cost or fair value, with the exception of mortgage servicing rights related to sales of residential mortgage loans, which were carried at fair value.
Loans and Allowance for Credit Losses	Loans and Allowance for Credit Losses Loans Held for Investment Loans which management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at unpaid principal balances, less net deferred loan fees, discounts 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. 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. 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 or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. 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 1 below under 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. A reasonable and supportable forecast period of four quarters is utilized, with immediate reversion to the long-term average historical loss rates following the forecast period. 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. 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 forecasted 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 forecasted changes in 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 forecasted 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. The allowance for unfunded commitments was $1.5 million as of September 30, 2024, and is included in the liabilities section on the consolidated balance sheet. The current adjustment to the ACL for unfunded commitments is recognized through the provision for unfunded lending commitments, a component of provision for credit losses, in the Consolidated Statement of Income. Collateral Dependent Loans Loans on nonaccrual status which management believes the likely source of repayment to be operation or sale of the collateral are considered collateral dependent. 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. Prior to the Company’s adoption of ASU 2016-13, the previous incurred loss methodology was used to calculate the allowance for loan losses. The Company evaluated the allowance for loan losses on a quarterly basis based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may have affected the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. Under the previous incurred loss methodology, the allowance consisted of specific and general components. The specific component related to loans that were individually evaluated for impairment. A specific reserve was established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan was lower than the carrying value of that loan. The general component covered loans not considered to be impaired. Such loans were pooled by segment and losses were modeled using annualized historical loss experience adjusted for qualitative factors. 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”). Prior period data, which included TDRs, has not been adjusted.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. The Company uses the straight line method of computing depreciation at rates adequate to amortize the cost of the applicable assets over their estimated useful lives. Maintenance and repairs are expensed as incurred. The cost and related accumulated depreciation of assets sold, or otherwise disposed of, are removed from the related accounts and any gain or loss is included in earnings.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned includes formally foreclosed property, property obtained via a deed in lieu of foreclosure. At the time of acquisition, foreclosed real estate is recorded at its fair value, less estimated costs to sell, which becomes the property’s new cost basis. Any write-downs based on the property’s fair value at the date of acquisition are charged to the allowance for credit losses. After acquisition or the decision to classify property as held for sale, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value, less estimated costs to sell. Costs incurred in maintaining other real estate owned and subsequent impairment adjustments to the carrying amount of a property, if any, are included in noninterest expense.
Cash Surrender Value of Life Insurance	Cash Surrender Value of Life Insurance The Company has purchased life insurance policies on certain directors, officers and key employees to help offset costs associated with the Bank’s compensation and benefit programs. The Company is the owner and is a joint or sole beneficiary of the policies. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Income from the increase in cash surrender value of the policies and income from the recognition of death benefits is reported in noninterest income.
Goodwill and Other Intangibles	Goodwill and Other Intangibles Goodwill recognized in a business combination represents the excess of the fair value of consideration transferred over the fair value of assets acquired and liabilities assumed. Goodwill is evaluated for possible impairment at least annually or more frequently upon the occurrence of an event or change in circumstances that would more likely than not reduce the fair value of the reporting unit below its carrying amount. Such circumstances could include, but are not limited to: (1) a significant adverse change in legal factors or in business climate, (2) unanticipated competition, or (3) an adverse action or assessment by a regulator. Other intangible assets consist of acquired core deposit intangibles. Core deposit intangibles are amortized over the estimated economic lives of the acquired core deposits. The carrying amount of core deposit intangibles and the remaining estimated economic life are evaluated annually or whenever events or circumstances indicate the carrying amount may not be recoverable or the remaining period of amortization requires revision.
Derivative Financial Instruments	Derivative Financial Instruments Prior to the Company’s wind down of the national mortgage banking operation, the Company entered into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., rate lock commitment). The period of time between issuance of a loan commitment and closing and sale of the loan generally ranged from 15 to 60 days. The Company also entered into forward mortgage loan commitments to sell to various investors to protect itself against exposure to various factors and to reduce sensitivity to interest rate movements. Both the interest rate lock commitments and the related forward mortgage loan sales contracts were considered derivatives and were recorded on the balance sheet at fair value in accordance with FASB ASC 815, Derivatives and Hedging
Benefit Plans	Benefit Plans The Company provides a contributory defined contribution plan, which is available to all eligible employees. The Company also established a leveraged employee stock ownership plan (“ESOP”) on October 6, 2008 that includes substantially all employees. The Company accounts for the ESOP in accordance with FASB ASC 718-40, Employee Stock Ownership Plans
Stock Based Compensation	Stock Based Compensation The Company has stock options and restricted stock awards outstanding under stock-based compensation plans, which are described in more detail in Note 13 – Benefit Plans Compensation Stock Compensation The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options, while the market value of the Company’s common stock at the date of grant is used for restrictive stock awards and stock grants.
Income Taxes	Income Taxes When income tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while other positions are subject to some degree of uncertainty regarding the merits of the position taken or the amount of the position that would be sustained. The Company recognizes the benefits of a tax position in the consolidated financial statements of the period during which, based on all available evidence, management believes it is more-likely-than-not (more than 50 percent probable) that the tax position would be sustained upon examination. Income tax positions that meet the more-likely-than-not threshold are measured as the largest amount of income tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with the income tax positions claimed on income tax returns that exceeds the amount measured as described above is reflected as a liability for unrecognized income tax benefits in the consolidated balance sheets, along with any associated interest and penalties that would be payable to the taxing authorities, if there were an examination. Interest and penalties associated with unrecognized income tax benefits are classified as additional income taxes in the consolidated statements of income. Income taxes are provided for the tax effects of the transactions reported in the financial statements and consist of taxes currently due plus deferred income taxes. Income tax reporting and financial statement reporting rules differ in many respects. As a result, there will often be a difference between the carrying amount of an asset or liability as presented in the accompanying consolidated balance sheets and the amount that would be recognized as the tax basis of the same asset or liability computed based on the effects of tax positions recognized, as described in the preceding paragraph. These differences are referred to as temporary differences because they are expected to reverse in future years. Deferred income tax assets are recognized for temporary differences where their future reversal will result in future tax benefits. Deferred income tax assets are also recognized for the future tax benefits expected to be realized from net operating loss or tax credit carryforwards. Deferred income tax liabilities are recognized for temporary differences where their future reversal will result in the payment of future income taxes. Deferred income tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or all of the deferred income tax assets will not be realized. Deferred tax assets and liabilities are reflected at income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes.
Advertising Costs	Advertising Costs Advertising costs are charged to operations when incurred.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Comprehensive income consists of reported net income and other comprehensive income. Other comprehensive income, recognized as a separate component of stockholders’ equity, includes the change in unrealized gains and losses on securities available for sale. Amounts reclassified out of unrealized gains or losses on securities available for sale included in accumulated other comprehensive income (loss) are included in the net gain on sales of available for sale securities or provision for credit losses on securities line item in the consolidated statements of income.
Loss Contingencies	Loss Contingencies
Recent Accounting Pronouncements	Recent Accounting Pronouncements The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company: On October 1, 2023, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (1 – continued) 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 ​ (1 – continued) Recent Accounting Pronouncements - continued In June 2022, the FASB issued ASU No. 2022-03, Fair Value Measurements (Topic 820), Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions In March 2023, the FASB issued ASU 2023-02, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method 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.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Sep. 30, 2024
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Schedule of impact of adopting ASC 326	(1 – continued) 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 ​

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Sep. 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 (In thousands) ​ Cost ​ Gain ​ Losses ​ ​ Losses ​ Value September 30, 2024: ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,031 ​ $ — ​ $ 2,620 ​ $ — ​ $ 27,411 Agency mortgage-backed ​ ​ 28,425 ​ ​ 8 ​ ​ 2,157 ​ ​ — ​ ​ 26,276 Agency CMO ​ 15,700 ​ — ​ 774 ​ ​ — ​ 14,926 Privately-issued CMO ​ 295 ​ 2 ​ 16 ​ ​ 21 ​ 260 Privately-issued ABS ​ 301 ​ 12 ​ — ​ ​ — ​ 313 SBA certificates ​ ​ 11,993 ​ ​ — ​ ​ 67 ​ ​ — ​ ​ 11,926 Municipal bonds ​ 174,132 ​ 1,048 ​ 9,493 ​ ​ — ​ 165,687 Other ​ 2,000 ​ — ​ 120 ​ ​ — ​ 1,880 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale ​ $ 262,877 ​ $ 1,070 ​ $ 15,247 ​ $ 21 ​ $ 248,679 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ $ 29 ​ $ — ​ $ — ​ $ — ​ $ 29 Municipal bonds ​ 1,011 ​ 12 ​ — ​ ​ — ​ 1,023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ $ 1,040 ​ $ 12 ​ $ — ​ $ — ​ $ 1,052 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross Gross ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (In thousands) ​ Cost ​ Gain ​ Losses ​ Value September 30, 2023: ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ U.S. Treasury notes ​ $ 30,598 ​ $ — ​ $ 4,649 ​ $ 25,949 Agency mortgage-backed ​ ​ 28,542 ​ ​ — ​ ​ 4,274 ​ ​ 24,268 Agency CMO ​ 14,064 ​ — ​ 1,322 ​ 12,742 Privately-issued CMO ​ 424 ​ 2 ​ 30 ​ 396 Privately-issued ABS ​ 433 ​ 13 ​ 3 ​ 443 SBA certificates ​ 11,587 ​ — ​ 842 ​ 10,745 Municipal bonds ​ 177,561 ​ 19 ​ 26,096 ​ 151,484 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	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Available for Sale ​ Held to Maturity ​ ​ Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value ​ ​ ​ Due within one year ​ $ 2,851 ​ $ 2,848 ​ $ — ​ $ — Due after one year through five years ​ 8,349 ​ 8,287 ​ 175 ​ 175 Due after five years through ten years ​ 43,771 ​ 40,850 ​ 836 ​ 848 Due after ten years ​ 151,192 ​ 142,993 ​ — ​ — Agency CMO ​ 15,700 ​ 14,926 ​ — ​ — Privately-issued CMO ​ ​ 295 ​ ​ 260 ​ ​ — ​ ​ — Privately-issued ABS ​ ​ 301 ​ ​ 313 ​ ​ — ​ ​ — SBA certificates ​ 11,993 ​ 11,926 ​ — ​ — Agency mortgage-backed ​ 28,425 ​ 26,276 ​ 29 ​ 29 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ 262,877 ​ $ 248,679 ​ $ 1,040 ​ $ 1,052
Schedule of investment securities with gross unrealized losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized (Dollars in thousands) Positions Value Losses September 30, 2024: ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency CMO 1 ​ $ 2,641 ​ $ 15 SBA certificates 1 ​ 998 ​ 2 Municipal bonds 3 ​ 2,285 ​ 10 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 5 ​ 5,924 ​ 27 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes 6 ​ 27,411 ​ 2,620 Agency mortgage-backed 20 ​ 23,941 ​ 2,157 Agency CMO 15 ​ 12,285 ​ 759 Privately-issued CMO 3 ​ 241 ​ 16 Privately-issued ABS ​ 1 ​ ​ 117 ​ ​ — SBA certificates 3 ​ 10,928 ​ 65 Municipal bonds 100 ​ 98,794 ​ 9,483 Other 1 ​ 1,880 ​ 120 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 149 ​ 175,597 ​ 15,220 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 154 ​ $ 181,521 ​ $ 15,247 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Number of ​ ​ Gross ​ ​ Investment ​ Fair ​ Unrealized (Dollars in thousands) Positions Value Losses September 30, 2023: ​ Debt securities available for sale: ​ ​ Continuous loss position less than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 5 ​ $ 1,576 ​ $ 49 Agency mortgage-backed ​ 2 ​ ​ 163 ​ ​ 8 Agency CMO ​ 1 ​ ​ 4,249 ​ ​ 462 SBA certificates ​ 1 ​ ​ 31 ​ ​ 3 Municipal bonds 43 ​ ​ 45,931 ​ ​ 3,334 Other ​ 1 ​ ​ 1,712 ​ ​ 288 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total less than twelve months 53 ​ 53,662 ​ 4,144 ​ ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury notes ​ 1 ​ ​ 24,373 ​ ​ 4,600 Agency mortgage-backed 15 ​ 23,859 ​ 4,266 Agency CMO 14 ​ 8,493 ​ 860 Privately-issued CMO ​ 2 ​ ​ 375 ​ ​ 30 Privately-issued ABS ​ 1 ​ ​ 212 ​ ​ 3 SBA certificates 2 ​ 10,714 ​ 839 Municipal bonds 115 ​ 95,185 ​ 22,762 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months 150 ​ 163,211 ​ 33,360 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities available for sale 203 ​ $ 216,873 ​ $ 37,504 ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities held to maturity: ​ ​ ​ ​ ​ ​ ​ ​ Continuous loss position more than twelve months: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed ​ 1 ​ $ 19 ​ $ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total more than twelve months ​ 1 ​ ​ 19 ​ ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total debt securities held to maturity ​ 1 ​ $ 19 ​ $ 1
Summary of reported gross gains and losses on sales of available for sale securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Gross realized gains on sales ​ $ — ​ $ 341 ​ $ 488 Gross realized losses on sales ​ — ​ (892) ​ (12) Net realized gain (loss) on sales of available for sale securities ​ $ — ​ $ (551) ​ $ 476
Schedule of available for sale debt securities allowance for credit loss	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 year ended September 30, 2024. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses ​ Private Other ​ ​ (In thousands) Label CMO Investments Total Allowance for credit losses ​ ​ ​ ​ ​ ​ ​ ​ Beginning of year ​ $ — ​ $ — ​ $ — Provision for credit loss expense ​ 24 ​ 84 ​ 108 Reductions due to increases in ​ ​ ​ ​ ​ ​ ​ ​ ​ expected cash flows ​ (3) ​ (84) ​ (87) Recoveries ​ — ​ — ​ — Balance, end of year ​ $ 21 ​ $ — ​ $ 21 ​

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Sep. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Schedule of loans	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Real estate mortgage: ​ ​ Residential ​ $ 670,011 ​ $ 528,410 Commercial ​ 204,847 ​ 187,232 Single tenant net lease ​ ​ 750,642 ​ ​ 757,388 SBA commercial (1) ​ ​ 55,557 ​ ​ 47,078 Multifamily ​ 37,763 ​ 34,892 Residential construction ​ 53,237 ​ 24,924 Commercial construction ​ 9,172 ​ 14,588 Land and land development ​ 17,678 ​ 17,234 Commercial business ​ 124,639 ​ 117,594 SBA commercial business (1) ​ ​ 18,342 ​ ​ 16,939 Consumer ​ ​ 42,213 ​ ​ 39,915 Total loans ​ 1,984,101 ​ 1,786,194 ​ ​ ​ ​ ​ ​ ​ Deferred loan origination fees and costs, net ​ 1,045 ​ 949 Allowance for credit losses ​ (21,294) ​ (16,900) ​ ​ ​ ​ ​ ​ ​ Loans, net ​ $ 1,963,852 ​ $ 1,770,243 ​ (1) Includes discounts on SBA loans of $3.2 million and $3.3 million at September 30, 2024 and 2023, respectively.
Summary of activity for related party loans	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Beginning balance ​ $ 1,478 ​ $ 7,656 New loans and advances ​ 231 ​ — Repayments ​ (193) ​ (205) Reclassifications due to officer and director changes ​ — ​ (5,973) ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 1,516 ​ $ 1,478
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 ​ 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 ​ ​ ​ ​ Impairment Impairment Loans September 30, 2023: ​ (In thousands) 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
Schedule of allowance for loan losses	The following table presents the activity in the allowance for credit losses by portfolio segment for the years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Adoption of Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ ASC 326 ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2024: ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 4,641 ​ $ 1,037 ​ $ 1,908 ​ $ (168) ​ $ 67 ​ $ 7,485 Commercial real estate ​ 1,777 ​ ​ 255 ​ (288) ​ — ​ — ​ 1,744 Single tenant net lease ​ ​ 3,810 ​ ​ 222 ​ ​ 6 ​ ​ — ​ ​ — ​ ​ 4,038 SBA commercial real estate ​ ​ 1,922 ​ ​ 511 ​ ​ 662 ​ ​ (58) ​ ​ 63 ​ ​ 3,100 Multifamily ​ ​ 268 ​ ​ (21) ​ ​ 94 ​ ​ — ​ ​ — ​ ​ 341 Residential construction ​ ​ 434 ​ ​ (226) ​ ​ 197 ​ ​ — ​ ​ — ​ ​ 405 Commercial construction ​ ​ 282 ​ ​ 43 ​ ​ (160) ​ ​ — ​ ​ — ​ ​ 165 Land and land development ​ ​ 307 ​ ​ (74) ​ ​ (29) ​ ​ — ​ ​ — ​ ​ 204 Commercial business ​ ​ 1,714 ​ ​ (495) ​ ​ 472 ​ ​ (34) ​ ​ — ​ ​ 1,657 SBA commercial business ​ 1,247 ​ ​ 160 ​ 252 ​ (172) ​ 63 ​ 1,550 Consumer ​ 498 ​ ​ 17 ​ 378 ​ (388) ​ 100 ​ 605 ​ ​ $ 16,900 ​ $ 1,429 ​ $ 3,492 ​ $ (820) ​ $ 293 ​ $ 21,294 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023: ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ — ​ $ 1,980 ​ $ (71) ​ $ 16 ​ $ 4,641 Commercial real estate ​ 1,590 ​ ​ — ​ 187 ​ — ​ — ​ 1,777 Single tenant net lease ​ ​ 3,838 ​ ​ — ​ ​ (28) ​ ​ — ​ ​ — ​ ​ 3,810 SBA commercial real estate ​ ​ 2,578 ​ ​ — ​ ​ (302) ​ ​ (357) ​ ​ 3 ​ ​ 1,922 Multifamily ​ ​ 251 ​ ​ — ​ ​ 17 ​ ​ — ​ ​ — ​ ​ 268 Residential construction ​ ​ 305 ​ ​ — ​ ​ 129 ​ ​ — ​ ​ — ​ ​ 434 Commercial construction ​ ​ 107 ​ ​ — ​ ​ 175 ​ ​ — ​ ​ — ​ ​ 282 Land and land development ​ ​ 212 ​ ​ — ​ ​ 95 ​ ​ — ​ ​ — ​ ​ 307 Commercial business ​ ​ 1,193 ​ ​ — ​ ​ 452 ​ ​ — ​ ​ 69 ​ ​ 1,714 SBA commercial business ​ 2,122 ​ ​ — ​ (357) ​ (569) ​ 51 ​ 1,247 Consumer ​ 448 ​ ​ — ​ 264 ​ (250) ​ 36 ​ 498 ​ ​ $ 15,360 ​ $ — ​ $ 2,612 ​ $ (1,247) ​ $ 175 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ — ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ ​ 2,806 ​ ​ — ​ ​ (1,216) ​ ​ — ​ ​ — ​ ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ — ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ — ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ — ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ — ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ — ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ — ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ — ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ ​ 1,346 ​ ​ — ​ ​ 1,413 ​ ​ (698) ​ ​ 61 ​ ​ 2,122 Consumer ​ ​ 523 ​ ​ — ​ ​ 61 ​ ​ (175) ​ ​ 39 ​ ​ 448 ​ ​ $ 14,301 ​ $ — ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​
Schedule of the average balance of impaired loans individually evaluated for impairment	The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2023, prior to the adoption of ASU 2016-13. Interest income recognized approximates cash paid for interest for the year ended September 30, 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,989 ​ $ 2,139 ​ $ — ​ $ 2,822 ​ $ 52 Commercial real estate ​ 551 ​ 627 ​ — ​ 886 ​ 23 Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ 9,397 ​ ​ — ​ ​ 7,484 ​ ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — ​ ​ 371 ​ ​ 15 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 870 ​ 972 ​ — ​ 925 ​ 37 SBA commercial business ​ 684 ​ 1,799 ​ — ​ 839 ​ — Consumer ​ 44 ​ 58 ​ — ​ 61 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 11,871 ​ $ 15,354 ​ $ — ​ $ 13,388 ​ $ 127 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 1,323 ​ $ 1,328 ​ $ 74 ​ $ 365 ​ $ — Commercial real estate ​ 317 ​ 317 ​ 2 ​ 63 ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,146 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,076 ​ 1,165 ​ 111 ​ 296 ​ — SBA commercial business ​ 438 ​ 637 ​ 187 ​ 1,049 ​ — Consumer ​ 189 ​ 189 ​ 189 ​ 190 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,343 ​ $ 3,636 ​ $ 563 ​ $ 3,109 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 3,312 ​ $ 3,467 ​ $ 74 ​ $ 3,187 ​ $ 52 Commercial real estate ​ 868 ​ 944 ​ 2 ​ 949 ​ 23 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,415 ​ ​ 9,397 ​ ​ — ​ ​ 8,630 ​ ​ — Multifamily ​ ​ 318 ​ ​ 362 ​ ​ — ​ ​ 371 ​ ​ 15 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,946 ​ 2,137 ​ 111 ​ 1,221 ​ 37 SBA commercial business ​ 1,122 ​ 2,436 ​ 187 ​ 1,888 ​ — Consumer ​ 233 ​ 247 ​ 189 ​ 251 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 15,214 ​ $ 18,990 ​ $ 563 ​ $ 16,497 ​ $ 127 The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2022, prior to the adoption of ASU 2016-13. Interest income recognized approximates cash paid for interest for the year ended September 30, 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ Average Interest ​ ​ Recorded ​ Principal ​ Related ​ Recorded ​ Income ​ ​ Balance ​ Balance ​ Allowance ​ Balance ​ Recognized ​ ​ (In thousands) Loans with no related allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — ​ $ 2,978 ​ $ 45 Commercial real estate ​ ​ 908 ​ ​ 982 ​ ​ — ​ ​ 1,038 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 5,197 ​ ​ 5,952 ​ ​ — ​ ​ 7,235 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 998 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 182 ​ 532 ​ — ​ 412 ​ — Consumer ​ 93 ​ 81 ​ — ​ 91 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 9,976 ​ $ 11,658 ​ $ — ​ $ 13,487 ​ $ 92 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans with an allowance recorded: ​ ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ — ​ $ 206 ​ $ — Commercial real estate ​ — ​ — ​ — ​ — ​ — Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 2,385 ​ ​ 2,919 ​ ​ 290 ​ ​ 2,213 ​ ​ — Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ — ​ — ​ — ​ — ​ — SBA commercial business ​ 895 ​ 1,349 ​ 674 ​ 802 ​ — Consumer ​ 145 ​ 145 ​ — ​ 146 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 3,425 ​ $ 4,413 ​ $ 964 ​ $ 3,367 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ ​ ​ Residential real estate ​ $ 2,244 ​ $ 2,524 ​ $ — ​ $ 3,184 ​ $ 45 Commercial real estate ​ ​ 908 ​ ​ 982 ​ ​ — ​ ​ 1,038 ​ ​ 21 Single tenant net lease ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — SBA commercial real estate ​ ​ 7,582 ​ ​ 8,871 ​ ​ 290 ​ ​ 9,448 ​ ​ — Multifamily ​ ​ 354 ​ ​ 398 ​ ​ — ​ ​ 415 ​ ​ 6 Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 998 ​ 1,189 ​ — ​ 1,318 ​ 19 SBA commercial business ​ 1,077 ​ 1,881 ​ 674 ​ 1,214 ​ — Consumer ​ 238 ​ 226 ​ — ​ 237 ​ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,401 ​ $ 16,071 ​ $ 964 ​ $ 16,854 ​ $ 92
Schedule of interest income related to nonaccrual loans	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 September 30, 2024 for which there was no related allowance for credit losses. The Company recognized no interest income related to nonaccrual loans for the year ended September 30, 2024 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2024 ​ At September 30, 2023 ​ ​ ​ ​ ​ Nonaccrual ​ Loans 90+ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ Loans With No ​ Days ​ Total ​ Loans 90+ Days ​ ​ Nonaccrual ​ Allowance for ​ Past Due ​ Nonaccrual ​ Past Due ​ Loans Credit Losses Still Accruing Loans Still Accruing ​ ​ (In thousands) Residential real estate $ 4,583 $ 3,479 $ — $ 2,426 $ — Commercial real estate ​ 619 ​ 496 ​ — ​ 511 ​ — Single tenant net lease ​ — ​ — ​ — ​ — ​ — SBA commercial real estate ​ 8,159 ​ 5,648 ​ — ​ 7,415 ​ — Multifamily ​ 263 ​ 263 ​ — ​ 318 ​ — Residential construction ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Land and land development ​ — ​ — ​ — ​ — ​ — Commercial business ​ 1,335 ​ 382 ​ — ​ 1,946 ​ — SBA commercial business ​ 1,858 ​ 257 ​ — ​ 1,099 ​ — Consumer ​ 125 ​ 119 ​ — ​ 233 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 16,942 ​ $ 10,644 ​ $ — ​ $ 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 including equipment, accounts receivable and other assets, except for the case of consumer loans, which are collateralized by consumer non-real estate assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2024 ​ Real Estate Other Total ​ ​ (In thousands) Residential real estate ​ $ 4,583 ​ $ — ​ $ 4,583 Commercial real estate ​ 619 ​ — ​ 619 SBA commercial real estate ​ 8,159 ​ — ​ 8,159 Multifamily ​ 263 ​ — ​ 263 Commercial business ​ — ​ 1,335 ​ 1,335 SBA commercial business ​ — ​ 1,858 ​ 1,858 Consumer ​ — ​ 125 ​ 125 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 13,624 ​ $ 3,318 ​ $ 16,942
Schedule of aging of recorded investment in past due loans	The following table presents the aging of the recorded investment in past due loans at September 30, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) Residential real estate ​ $ 2,490 ​ $ 804 ​ $ 2,053 ​ $ 5,347 ​ $ 664,664 ​ $ 670,011 Commercial real estate ​ 94 ​ 190 ​ 496 ​ 780 ​ 204,067 ​ 204,847 Single tenant net lease ​ — ​ — ​ — ​ — ​ 750,642 ​ 750,642 SBA commercial real estate ​ ​ 257 ​ ​ 466 ​ ​ 4,252 ​ ​ 4,975 ​ ​ 50,582 ​ ​ 55,557 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 37,763 ​ ​ 37,763 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 53,237 ​ ​ 53,237 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9,172 ​ ​ 9,172 Land and land development ​ — ​ — ​ — ​ — ​ 17,678 ​ 17,678 Commercial business ​ 23 ​ 1 ​ 33 ​ 57 ​ 124,582 ​ 124,639 SBA commercial business ​ 61 ​ 105 ​ 436 ​ 602 ​ 17,740 ​ 18,342 Consumer ​ 165 ​ — ​ 32 ​ 197 ​ 42,016 ​ 42,213 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,090 ​ $ 1,566 ​ $ 7,302 ​ $ 11,958 ​ $ 1,972,143 ​ $ 1,984,101 ​ The following table presents the aging of the recorded investment in past due loans at September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ 90+ Days ​ Total ​ ​ ​ ​ Total ​ ​ Past Due ​ Past Due ​ Past Due ​ Past Due ​ Current ​ Loans ​ ​ (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,715 ​ $ 132 ​ $ 1,818 ​ $ 4,665 ​ $ 523,745 ​ $ 528,410 Commercial real estate ​ 23 ​ 62 ​ — ​ 85 ​ 187,147 ​ 187,232 Single tenant net lease ​ — ​ — ​ — ​ — ​ 757,388 ​ 757,388 SBA commercial real estate ​ ​ 764 ​ ​ — ​ ​ 3,877 ​ ​ 4,641 ​ ​ 42,437 ​ ​ 47,078 Multifamily ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 34,892 ​ ​ 34,892 Residential construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 24,924 ​ ​ 24,924 Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,588 ​ ​ 14,588 Land and land development ​ 40 ​ — ​ — ​ 40 ​ 17,194 ​ 17,234 Commercial business ​ 112 ​ — ​ 86 ​ 198 ​ 117,396 ​ 117,594 SBA commercial business ​ 130 ​ — ​ 682 ​ 812 ​ 16,127 ​ 16,939 Consumer ​ 137 ​ 5 ​ 36 ​ 178 ​ 39,737 ​ 39,915 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 3,921 ​ $ 199 ​ $ 6,499 ​ $ 10,619 ​ $ 1,775,575 ​ $ 1,786,194
Schedule of investment in loans by risk category	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans Amortized Cost Basis by Origination Fiscal Year Ended September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 62,304 ​ $ 39,024 ​ $ 46,036 ​ $ 18,129 ​ $ 11,293 ​ $ 53,407 ​ $ 436,235 ​ $ — ​ $ 666,428 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ 734 ​ 910 ​ 273 ​ 348 ​ — ​ 601 ​ 700 ​ — ​ 3,566 Doubtful ​ — ​ — ​ — ​ — ​ — ​ 17 ​ — ​ — ​ 17 Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total residential real estate ​ 63,038 ​ 39,934 ​ 46,309 ​ 18,477 ​ 11,293 ​ 54,025 ​ 436,935 ​ — ​ 670,011 YTD gross charge-offs ​ 36 ​ — ​ — ​ 1 ​ — ​ 6 ​ 125 ​ — ​ 168 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 21,380 ​ 41,689 ​ 62,181 ​ 21,295 ​ 7,727 ​ 49,425 ​ — ​ — ​ $ 203,697 Special mention ​ 150 ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ 150 Substandard ​ — ​ 619 ​ 190 ​ — ​ 22 ​ 169 ​ — ​ — ​ 1,000 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total commercial real estate ​ 21,530 ​ 42,308 ​ 62,371 ​ 21,295 ​ 7,749 ​ 49,594 ​ — ​ — ​ 204,847 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Single tenant net lease commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 34,819 ​ 148,265 ​ 273,898 ​ 71,361 ​ 97,182 ​ 125,117 ​ — ​ — ​ 750,642 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total single tenant net lease ​ 34,819 ​ 148,265 ​ 273,898 ​ 71,361 ​ 97,182 ​ 125,117 ​ — ​ — ​ 750,642 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 9,623 ​ 8,543 ​ 8,913 ​ 6,280 ​ 6,843 ​ 5,672 ​ 98 ​ — ​ 45,972 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ 162 ​ 143 ​ 1,766 ​ 7,514 ​ — ​ — ​ 9,585 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total SBA commercial real estate ​ 9,623 ​ 8,543 ​ 9,075 ​ 6,423 ​ 8,609 ​ 13,186 ​ 98 ​ — ​ 55,557 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ 10 ​ 48 ​ — ​ — ​ 58 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans Amortized Cost Basis by Origination Fiscal Year Ended September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ ​ (In thousands) ​ 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Multifamily real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 4,995 ​ ​ 2,562 ​ ​ 11,090 ​ ​ 5,207 ​ ​ 10,435 ​ ​ 3,211 ​ ​ — ​ ​ — ​ ​ 37,500 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ 263 ​ — ​ — ​ 263 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total multifamily real estate ​ 4,995 ​ 2,562 ​ 11,090 ​ 5,207 ​ 10,435 ​ 3,474 ​ — ​ — ​ 37,763 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential construction ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 10,244 ​ 30,903 ​ 12,090 ​ — ​ — ​ — ​ — ​ — ​ 53,237 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total residential construction ​ 10,244 ​ 30,903 ​ 12,090 ​ — ​ — ​ — ​ — ​ — ​ 53,237 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial construction ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 335 ​ 4,441 ​ 4,396 ​ — ​ — ​ — ​ — ​ — ​ 9,172 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total commercial construction ​ 335 ​ 4,441 ​ 4,396 ​ — ​ — ​ — ​ — ​ — ​ 9,172 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Land and land development ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 1,538 ​ 9,072 ​ 4,994 ​ 892 ​ 313 ​ 869 ​ — ​ — ​ 17,678 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total land and land development ​ 1,538 ​ 9,072 ​ 4,994 ​ 892 ​ 313 ​ 869 ​ — ​ — ​ 17,678 YTD gross charge-offs ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans Amortized Cost Basis by Origination Fiscal Year Ended September 30, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ Converted ​ ​ ​ (In thousands) 2024 2023 2022 2021 2020 Prior Loans To Term Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial business ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 39,647 ​ ​ 44,764 ​ ​ 22,928 ​ ​ 10,286 ​ ​ 657 ​ ​ 4,978 ​ ​ — ​ ​ — ​ ​ 123,260 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ 896 ​ 148 ​ 44 ​ 4 ​ 287 ​ — ​ — ​ 1,379 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total commercial business ​ 39,647 ​ 45,660 ​ 23,076 ​ 10,330 ​ 661 ​ 5,265 ​ — ​ — ​ 124,639 YTD gross charge-offs ​ — ​ — ​ — ​ 32 ​ — ​ 2 ​ — ​ — ​ 34 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA commercial business ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 4,919 ​ 2,513 ​ 678 ​ 665 ​ 3,700 ​ 2,376 ​ 696 ​ — ​ 15,547 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ 835 ​ — ​ — ​ 54 ​ 189 ​ 1,717 ​ — ​ — ​ 2,795 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total SBA commercial business ​ 5,754 ​ 2,513 ​ 678 ​ 719 ​ 3,889 ​ 4,093 ​ 696 ​ — ​ 18,342 YTD gross charge-offs ​ — ​ — ​ — ​ 5 ​ 5 ​ 162 ​ — ​ — ​ 172 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 4,508 ​ 3,562 ​ 2,848 ​ 361 ​ 152 ​ 30 ​ 30,627 ​ — ​ 42,088 Special mention ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Substandard ​ — ​ — ​ 6 ​ — ​ — ​ — ​ 119 ​ — ​ 125 Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total consumer ​ 4,508 ​ 3,562 ​ 2,854 ​ 361 ​ 152 ​ 30 ​ 30,746 ​ — ​ 42,213 YTD gross charge-offs ​ — ​ 6 ​ — ​ 1 ​ — ​ — ​ 381 ​ — ​ 388 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total loans ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ 194,312 ​ 335,338 ​ 450,052 ​ 134,476 ​ 138,302 ​ 245,085 ​ 467,656 ​ — ​ 1,965,221 Special mention ​ 150 ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ 150 Substandard ​ 1,569 ​ 2,425 ​ 779 ​ 589 ​ 1,981 ​ 10,551 ​ 819 ​ — ​ 18,713 Doubtful ​ — ​ — ​ — ​ — ​ — ​ 17 ​ — ​ — ​ 17 Loss ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total loans ​ 196,031 ​ 337,763 ​ 450,831 ​ 135,065 ​ 140,283 ​ 255,653 ​ 468,475 ​ — ​ 1,984,101 YTD gross charge-offs ​ 36 ​ 6 ​ — ​ 39 ​ 15 ​ 218 ​ 506 ​ — ​ 820 The following table presents the recorded investment in loans by risk category as of September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Loss ​ Total September 30, 2023: ​ (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
Schedule of Troubled Debt Restructurings	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pre- Post- ​ ​ ​ ​ Modification ​ Modification ​ ​ Number of ​ Principal ​ Principal ​ ​ Loans ​ Balance ​ Balance ​ ​ (Dollars in thousands) September 30, 2023: ​ ​ Residential real estate 1 ​ $ 31 ​ $ 31 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total 1 ​ $ 31 ​ $ 31
SBA loan servicing rights
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Schedule of loan servicing rights	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance as of October 1 ​ $ 2,950 ​ $ 3,790 ​ $ 4,447 Servicing rights capitalized ​ 883 ​ 768 ​ 846 Amortization ​ (555) ​ (728) ​ (1,287) Direct write-offs ​ (646) ​ (999) ​ (43) Change in valuation allowance ​ 55 ​ 119 ​ (173) Balance as of September 30 ​ $ 2,687 ​ $ 2,950 ​ $ 3,790
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2024 2023 Discount rate 7.57% to 25.00% (11.75%) 10.25% to 25.00% (13.79%) Prepayment rate 9.67% to 29.11% (19.06%) 8.60% to 32.85% (16.91%)
Schedule of loan servicing fees	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Late fees and ancillary fees earned ​ $ 3 ​ $ 69 ​ $ 93 Net servicing income ​ 1,824 ​ 2,114 ​ 2,425 SBA net servicing fees ​ $ 1,827 ​ $ 2,183 ​ $ 2,518
Schedule of valuation allowance for impairment of recognized servicing assets	An analysis of the valuation allowance related to SBA loan servicing rights for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Balance as of October 1 ​ $ 60 ​ $ 179 ​ $ 6 Additions (reductions) charged to earnings ​ 591 ​ 880 ​ 215 Write-downs charged against allowance ​ (646) ​ (999) ​ (42) Balance as of September 30 ​ $ 5 ​ $ 60 ​ $ 179
Mortgage servicing rights
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Schedule of loan servicing rights	Changes in the carrying value of MSRs accounted for at fair value for the years ended September 30, 2024, 2023 and 2022 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value as of October 1 ​ $ 59,768 ​ $ 63,263 ​ $ 49,579 Servicing rights capitalized ​ ​ 509 ​ ​ 2,354 ​ ​ 11,161 Changes in fair value related to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Loan repayments ​ ​ (672) ​ ​ (4,237) ​ ​ (7,539) Sales ​ ​ (59,464) ​ ​ — ​ ​ — Loss on sale of MSR ​ ​ (4) ​ ​ — ​ ​ — Changes in valuation model inputs or assumptions ​ ​ (137) ​ ​ (1,612) ​ ​ 10,062 Fair value as of September 30 ​ $ — ​ $ 59,768 ​ $ 63,263
Schedule of key assumptions used to estimate the fair value	​ ​ ​ ​ ​ ​ Range of Assumption (Weighted Average) Assumption 2023 Discount rate ​ 9.44% to 14.50% (9.51%) Prepayment rate ​ 5.00% to 85.82% (6.82%)
Nonresidential MSR
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Schedule of loan servicing fees	An analysis of nonresidential MSRs for the years ended September 30, 2024, 2023 and 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 ​ 2023 2022 ​ ​ ​ Balance, beginning of year ​ $ 101 ​ $ 141 ​ $ — Servicing rights capitalized ​ — ​ ​ — ​ 160 Amortization ​ (23) ​ ​ (40) ​ (19) Direct write-offs ​ (11) ​ ​ — ​ — Changes in valuation allowance ​ — ​ ​ — ​ — Balance, end of year ​ $ 67 ​ ​ 101 ​ $ 141

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Sep. 30, 2024
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Land and land improvements ​ $ 5,655 ​ $ 5,375 Office buildings ​ 25,425 ​ 25,337 Leasehold improvements ​ 66 ​ 66 Furniture, fixtures and equipment ​ ​ 9,883 ​ ​ 10,442 Construction in progress ​ 911 ​ 671 ​ ​ $ 41,940 ​ $ 41,891 Less: accumulated depreciation ​ (15,478) ​ (14,030) ​ ​ ​ ​ ​ ​ ​ Totals ​ $ 26,462 ​ $ 27,861 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Depreciation expense ​ $ 2,049 ​ $ 2,108 ​ $ 2,125 ​

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Sep. 30, 2024
OTHER REAL ESTATE OWNED
Schedule of other real estate owned ("OREO") asset activity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Balance as of October 1 ​ $ 677 ​ $ 203 ​ $ 1,728 Transfers from loans to other real estate owned ​ — ​ 474 ​ — Transfers from OREO to premises and equipment ​ — ​ — ​ (721) Sales ​ (30) ​ — ​ (804) Balance as of September 30 ​ $ 647 ​ $ 677 ​ $ 203
Schedule net (gain) loss on OREO	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Net (gain)/loss on sales ​ $ (5) ​ $ — ​ $ 115 Operating expenses, net of rental income ​ 17 ​ 4 ​ — ​ ​ $ 12 ​ $ 4 ​ $ 115 ​

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	12 Months Ended
	Sep. 30, 2024
GOODWILL AND OTHER INTANGIBLES
Schedule of changes in carrying amount of goodwill	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Beginning balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848 Impairment ​ — ​ — ​ — Ending balance ​ $ 9,848 ​ $ 9,848 ​ $ 9,848
Summary of other intangible assets	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Core deposit intangible acquired in Community First acquisition ​ $ 2,741 ​ $ 2,741 Core deposit intangible acquired in First Federal branch acquisition ​ 566 ​ 566 Core deposit intangible acquired in Dearmin/FNBO acquisition ​ 1,487 ​ 1,487 Less accumulated amortization ​ (4,396) ​ (4,233) Ending balance ​ $ 398 ​ $ 561
Schedule of amortization expenses on intangible assets	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Amortization expense ​ $ 163 ​ $ 214 ​ $ 214
Schedule of estimated amortization expense for the core deposit intangibles	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2025 ​ $ 163 2026 ​ 163 2027 ​ 72 Total ​ $ 398 ​

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Sep. 30, 2024
DEPOSITS
Schedule of deposits	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 ​ 2023 ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing demand deposits ​ $ 191,528 ​ $ 242,237 NOW accounts ​ 332,388 ​ 336,446 Money market accounts ​ 393,214 ​ 323,739 Savings accounts ​ 150,913 ​ 170,073 Retail time deposits ​ 303,681 ​ 170,980 Brokered certificates of deposit ​ 509,157 ​ 438,319 ​ ​ ​ ​ ​ ​ ​ Total ​ $ 1,880,881 ​ $ 1,681,794
Schedule of maturities of time deposits	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2025 ​ $ 780,599 2026 ​ 18,806 2027 ​ 4,820 2028 ​ 3,094 2029 ​ ​ 5,519 Total ​ $ 812,838

BORROWINGS FROM FEDERAL HOME _2

BORROWINGS FROM FEDERAL HOME LOAN BANK (Tables)	12 Months Ended
	Sep. 30, 2024
BORROWINGS FROM FEDERAL HOME LOAN BANK
Schedule of borrowings from the FHLB	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 ​ 2023 ​ Weighted ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ ​ Average ​ ​ ​ (Dollars in thousands) ​ Rate ​ Amount ​ Rate ​ Amount Advances maturing in: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 — % $ — 5.51 % $ 40,000 2025 4.74 ​ 60,000 1.51 ​ 10,000 2026 1.13 ​ 20,000 1.13 ​ 20,000 2027 — ​ — — ​ — 2028 — ​ — — ​ — 2029 and beyond ​ 2.88 ​ ​ 215,000 ​ 2.63 ​ ​ 285,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total advances ​ ​ 295,000 ​ ​ 355,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Line of credit balance 5.68 ​ 6,640 5.66 ​ 8,183 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total borrowings from FHLB ​ $ 301,640 ​ $ 363,183

DEFERRED COMPENSATION PLANS (Ta

DEFERRED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2024
Director
DEFERRED COMPENSATION PLANS
Schedule of deferred directors' fees expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Deferred directors’ fee expense ​ $ 229 ​ $ 241 ​ $ 202 ​

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Sep. 30, 2024
BENEFIT PLANS
Schedule of defined contributions to the plan	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Company contributions to the plan ​ $ 1,016 ​ $ 1,216 ​ $ 1,366

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS (Tables)	12 Months Ended
	Sep. 30, 2024
STOCK-BASED COMPENSATION PLANS
Schedule stock based compensation expense related to stock options and restricted stock	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Stock option expense ​ $ 309 ​ $ 302 ​ $ 296 Restricted stock expense ​ 390 ​ 396 ​ 391
Schedule of fair value of options granted	The fair value of options granted during the year ended September 30, 2024 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 3.74 % Risk-free interest rate ​ 4.44 % Expected volatility ​ 28.4 % Expected life of options ​ 6.9 years ​ Weighted average fair value at grant date ​ $ 3.55 ​ ​ The fair value of options granted during the year ended September 30, 2023 was determined using the following assumptions: ​ ​ ​ ​ ​ Expected dividend yield ​ 2.93 % Risk-free interest rate ​ 3.94 % Expected volatility ​ 27.7 % Expected life of options ​ 6.8 years ​ Weighted average fair value at grant date ​ $ 5.71 ​ ​ The fair value of options granted during the year ended September 30, 2022 was determined using the following assumptions: ​ ​ ​ ​ ​ ​ Expected dividend yield ​ 2.32 % Risk-free interest rate ​ 1.55 % Expected volatility ​ 27.0 % Expected life of options ​ 7.1 years ​ Weighted average fair value at grant date ​ $ 7.03 ​
Schedule of stock option activity	A summary of stock option activity as of September 30, 2024, and changes during the year then ended is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ Weighted ​ Average ​ ​ ​ ​ ​ ​ ​ Average ​ Remaining ​ Aggregate ​ ​ Number of ​ Exercise ​ Contractual ​ Intrinsic ​ ​ Shares ​ Price ​ Term (Years) ​ Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Outstanding at beginning of year 408,669 ​ $ 20.79 ​ Granted 62,983 ​ 15.10 ​ Exercised (6,405) ​ 17.16 ​ Forfeited or expired (5,700) ​ 18.17 ​ Outstanding at end of year 459,547 ​ $ 20.09 4.6 ​ $ 1,538,000 Vested and expected to vest 459,547 ​ $ 20.09 4.6 ​ $ 1,538,000 Exercisable at end of year 264,684 ​ $ 19.04 4.3 ​ $ 1,438,000
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 September 30, 2024 57,433 ​ $ 21.64

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Sep. 30, 2024
INCOME TAXES
Schedule of components of income tax expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ Current ​ $ 17,073 ​ $ 726 ​ $ 256 Valuation allowance ​ 86 ​ 109 ​ (78) Deferred ​ (16,141) ​ (825) ​ 1,745 Income tax expense ​ $ 1,018 ​ $ 10 ​ $ 1,923
Schedule of reconciliation of income tax expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ Provision at federal statutory rate ​ $ 3,068 ​ $ 1,718 ​ $ 3,635 State income tax-net of federal tax benefit ​ 118 ​ 119 ​ 160 Tax-exempt interest income ​ (1,459) ​ (1,684) ​ (1,314) Bank owned life insurance ​ (289) ​ (227) ​ (209) Captive insurance net premiums ​ — ​ 83 ​ (375) Increase (decrease) in federal deferred tax valuation allowance ​ 86 ​ 109 ​ (78) Nondeductible expenses ​ 107 ​ 179 ​ 99 Tax credits ​ ​ (536) ​ ​ (352) ​ ​ — Other ​ (77) ​ 65 ​ 5 Income tax expense ​ $ 1,018 ​ $ 10 ​ $ 1,923
Schedule of deferred tax assets and liabilities	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 ​ ​ ​ ​ ​ ​ Deferred tax assets: ​ ​ Allowance for credit losses - loans ​ $ 5,191 ​ $ 4,150 Allowance for credit losses - unfunded commitments ​ ​ 370 ​ ​ — Operating lease liability ​ 1,007 ​ 1,068 Deferred compensation plans ​ 398 ​ 386 Equity incentive plans ​ 135 ​ 127 Other-than-temporary impairment loss on available for sale securities ​ 12 ​ 15 Interest on nonaccrual loans ​ 382 ​ 253 Loss on tax credit investments ​ 314 ​ 244 Unrealized loss on securities available for sale ​ 2,982 ​ 7,882 Tax credit carryforwards ​ ​ — ​ ​ 2,407 Capital loss carryforwards ​ ​ 1,765 ​ ​ 1,679 Mark to market adjustments ​ ​ 587 ​ ​ 350 Accrued expenses ​ ​ 493 ​ ​ 1,025 Other ​ 825 ​ 952 Gross deferred tax assets ​ 14,461 ​ 20,538 Valuation allowance ​ (1,765) ​ (1,679) Net deferred tax assets ​ 12,696 ​ 18,859 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Accumulated depreciation ​ (2,052) ​ (2,269) Operating lease right of use asset ​ ​ (957) ​ ​ (1,027) Installment sale ​ (331) ​ (349) Acquisition purchase accounting adjustments ​ (1,039) ​ (1,173) Servicing assets ​ (101) ​ (14,775) FHLB stock dividends ​ (72) ​ (72) Prepaid expenses ​ (248) ​ (419) Deferred loan fees and costs, net ​ ​ (285) ​ ​ (215) Other ​ (177) ​ (274) Deferred tax liabilities ​ (5,262) ​ (20,573) ​ ​ ​ ​ ​ ​ ​ Net deferred tax asset (liability) ​ $ 7,434 ​ $ (1,714)
Schedule of payments for unfunded contribution obligations	​ ​ ​ ​ ​ Years ending September 30: (in thousands) 2025 ​ $ 3,292 2026 ​ 1,457 2027 ​ 3,858 2028 ​ 173 2029 ​ 173 Thereafter ​ 673 Total ​ $ 9,626

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Sep. 30, 2024
LEASES
Schedule of components of lease	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating lease cost ​ $ 353 ​ $ 552 ​ $ 621 Short-term lease cost ​ ​ 110 ​ ​ 273 ​ ​ 501 ​ ​ $ 463 ​ $ 825 ​ $ 1,122
Schedule of future minimum commitments due under the lease agreements	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2025 ​ $ 291 2026 ​ 249 2027 ​ 211 2028 ​ 212 2029 ​ 220 Thereafter ​ 4,559 Total lease payments ​ 5,742 Less imputed interest ​ ​ (1,609) Total ​ $ 4,133
Schedule of lease term and discount rate	​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 ​ Weighted-average remaining lease term (years) 22.5 ​ 23.0 ​ Weighted-average discount rate ​ 2.96 % 2.97 %
Schedule of supplemental cash flow information related to leases	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 314 ​ $ 512 ​ $ 607 ROU assets obtained in exchange for lease obligations: ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating leases ​ $ — ​ $ 188 ​ $ 275
Schedule of lessor future minimum lease payments	​ ​ ​ ​ ​ Years ending September 30: (In thousands) 2025 $ 354 2026 ​ 8 2027 ​ 8 2028 ​ 5 Total $ 375 ​

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Sep. 30, 2024
Commitments to extend credit
COMMITMENTS AND CONTINGENCIES
Schedule of fair value, off-balance sheet risks	​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 Loan commitments: ​ ​ Fixed rate ​ $ 8,331 ​ $ 15,220 Adjustable rate ​ 33,941 ​ 54,157 ​ ​ ​ ​ ​ ​ ​ Guarantees of third-party revolving credit ​ 290 ​ 290 Undisbursed portion of home equity lines of credit ​ 187,978 ​ 147,398 Undisbursed portion of commercial and personal lines of credit ​ 70,173 ​ 64,330 Undisbursed portion of construction loans in process ​ 25,084 ​ 72,859 Total commitments to extend credit ​ $ 325,797 ​ $ 354,254

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Sep. 30, 2024
DERIVATIVE FINANCIAL INSTRUMENTS
Schedule of derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: Notional Asset Liability (In thousands) ​ Amount ​ Derivatives ​ Derivatives Interest rate lock commitments ​ $ 67,040 ​ $ 452 ​ $ 184 Forward mortgage loan sale contracts ​ 66,000 ​ 471 ​ 12 ​ ​ $ 133,040 ​ $ 923 ​ $ 196
Schedule of income (loss) related to derivative financial instruments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate lock commitments ​ $ (268) ​ $ 505 ​ $ (1,805) Forward mortgage loan sale contracts ​ 354 ​ 1,353 ​ 20,398 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 86 ​ $ 1,858 ​ $ 18,593 ​

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Sep. 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 (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2024: ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 27,411 ​ $ — ​ $ — ​ $ 27,411 Agency mortgage-backed ​ ​ — ​ ​ 26,276 ​ ​ — ​ ​ 26,276 Agency CMO ​ — ​ 14,926 ​ — ​ 14,926 Privately-issued CMO ​ — ​ 20 ​ 240 ​ 260 Privately-issued ABS ​ — ​ 235 ​ 78 ​ 313 SBA certificates ​ — ​ 11,896 ​ 30 ​ 11,926 Municipal bonds ​ — ​ 165,687 ​ — ​ 165,687 Other ​ ​ — ​ ​ — ​ ​ 1,880 ​ ​ 1,880 Total securities available for sale ​ $ 27,411 ​ $ 219,040 ​ $ 2,228 ​ $ 248,679 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities (included in other assets) ​ $ 194 ​ $ 456 ​ $ — ​ $ 650 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 1,100 ​ $ 1,100 Commercial real estate ​ ​ — ​ ​ — ​ ​ 120 ​ ​ 120 SBA real estate ​ ​ — ​ ​ — ​ ​ 1,763 ​ ​ 1,763 Commercial business ​ — ​ — ​ 768 ​ 768 SBA commercial business ​ ​ — ​ ​ — ​ ​ 1,183 ​ ​ 1,183 Consumer ​ ​ — ​ ​ — ​ ​ 4 ​ ​ 4 Total collateral dependent loans ​ $ — ​ $ — ​ $ 4,938 ​ $ 4,938 SBA loan servicing rights ​ $ — ​ $ — ​ $ 2,687 ​ $ 2,687 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying Value (In thousands) Level 1 Level 2 Level 3 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Recurring Basis ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ U.S. Treasury notes ​ $ 25,949 ​ $ — ​ $ — ​ $ 25,949 Agency mortgage-backed ​ ​ — ​ ​ 24,268 ​ ​ — ​ ​ 24,268 Agency CMO ​ — ​ 12,742 ​ — ​ 12,742 Privately-issued CMO ​ — ​ 46 ​ 350 ​ 396 Privately-issued ABS ​ — ​ 364 ​ 79 ​ 443 SBA certificates ​ — ​ 10,714 ​ 31 ​ 10,745 Municipal bonds ​ — ​ 151,484 ​ — ​ 151,484 Other ​ ​ — ​ ​ 1,712 ​ ​ — ​ ​ 1,712 Total securities available for sale ​ $ 25,949 ​ $ 201,330 ​ $ 460 ​ $ 227,739 Residential mortgage loans held for sale – fair value option elected ​ $ — ​ $ 24,692 ​ $ — ​ $ 24,692 Derivative assets (included in other assets) ​ $ — ​ $ 471 ​ $ 452 ​ $ 923 Equity securities (included in other assets) ​ $ 160 ​ $ — ​ $ — ​ $ 160 Residential mortgage servicing rights ​ $ — ​ $ — ​ $ 59,768 ​ $ 59,768 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities Measured – Recurring Basis ​ ​ ​ ​ Derivative liabilities (included in other liabilities) ​ $ — ​ $ 12 ​ $ 184 ​ $ 196 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets Measured – Nonrecurring Basis ​ ​ ​ ​ Collateral dependent loans: ​ ​ ​ ​ Residential real estate ​ $ — ​ $ — ​ $ 306 ​ $ 306 Commercial business ​ — ​ — ​ 965 ​ 965 SBA commercial business ​ ​ — ​ ​ — ​ ​ 237 ​ ​ 237 Total collateral dependent loans ​ $ — ​ $ — ​ $ 1,508 ​ $ 1,508 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SBA loan servicing rights ​ $ — ​ $ — ​ $ 2,950 ​ $ 2,950
Schedule of reconciliation of derivative assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 268 ​ $ (238) ​ $ 1,567 Unrealized gains (losses) recognized in earnings, net of settlements ​ (268) ​ 506 ​ (1,805) ​ ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ — ​ $ 268 ​ $ (238)
Schedule of significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023 Range ​ ​ Significant ​ of Inputs ​ Unobservable (Weighted Financial Instrument ​ Inputs ​ Average) ​ ​ ​ ​ ​ Interest rate lock commitments Pull-through rate ​ 54% - 95% (81%) ​ ​ Direct costs to close 0.00%-5.00% (0.62%)
Schedule of Provisions for loan losses recognized for impaired loans	The following table presents the activity in the allowance for credit losses by portfolio segment for the years ended September 30, 2024, 2023 and 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning Adoption of Provisions ​ ​ ​ ​ Ending ​ ​ Balance ​ ASC 326 ​ (Credits) ​ Charge-Offs ​ Recoveries ​ Balance ​ ​ (In thousands) 2024: ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 4,641 ​ $ 1,037 ​ $ 1,908 ​ $ (168) ​ $ 67 ​ $ 7,485 Commercial real estate ​ 1,777 ​ ​ 255 ​ (288) ​ — ​ — ​ 1,744 Single tenant net lease ​ ​ 3,810 ​ ​ 222 ​ ​ 6 ​ ​ — ​ ​ — ​ ​ 4,038 SBA commercial real estate ​ ​ 1,922 ​ ​ 511 ​ ​ 662 ​ ​ (58) ​ ​ 63 ​ ​ 3,100 Multifamily ​ ​ 268 ​ ​ (21) ​ ​ 94 ​ ​ — ​ ​ — ​ ​ 341 Residential construction ​ ​ 434 ​ ​ (226) ​ ​ 197 ​ ​ — ​ ​ — ​ ​ 405 Commercial construction ​ ​ 282 ​ ​ 43 ​ ​ (160) ​ ​ — ​ ​ — ​ ​ 165 Land and land development ​ ​ 307 ​ ​ (74) ​ ​ (29) ​ ​ — ​ ​ — ​ ​ 204 Commercial business ​ ​ 1,714 ​ ​ (495) ​ ​ 472 ​ ​ (34) ​ ​ — ​ ​ 1,657 SBA commercial business ​ 1,247 ​ ​ 160 ​ 252 ​ (172) ​ 63 ​ 1,550 Consumer ​ 498 ​ ​ 17 ​ 378 ​ (388) ​ 100 ​ 605 ​ ​ $ 16,900 ​ $ 1,429 ​ $ 3,492 ​ $ (820) ​ $ 293 ​ $ 21,294 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2023: ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 2,716 ​ $ — ​ $ 1,980 ​ $ (71) ​ $ 16 ​ $ 4,641 Commercial real estate ​ 1,590 ​ ​ — ​ 187 ​ — ​ — ​ 1,777 Single tenant net lease ​ ​ 3,838 ​ ​ — ​ ​ (28) ​ ​ — ​ ​ — ​ ​ 3,810 SBA commercial real estate ​ ​ 2,578 ​ ​ — ​ ​ (302) ​ ​ (357) ​ ​ 3 ​ ​ 1,922 Multifamily ​ ​ 251 ​ ​ — ​ ​ 17 ​ ​ — ​ ​ — ​ ​ 268 Residential construction ​ ​ 305 ​ ​ — ​ ​ 129 ​ ​ — ​ ​ — ​ ​ 434 Commercial construction ​ ​ 107 ​ ​ — ​ ​ 175 ​ ​ — ​ ​ — ​ ​ 282 Land and land development ​ ​ 212 ​ ​ — ​ ​ 95 ​ ​ — ​ ​ — ​ ​ 307 Commercial business ​ ​ 1,193 ​ ​ — ​ ​ 452 ​ ​ — ​ ​ 69 ​ ​ 1,714 SBA commercial business ​ 2,122 ​ ​ — ​ (357) ​ (569) ​ 51 ​ 1,247 Consumer ​ 448 ​ ​ — ​ 264 ​ (250) ​ 36 ​ 498 ​ ​ $ 15,360 ​ $ — ​ $ 2,612 ​ $ (1,247) ​ $ 175 ​ $ 16,900 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential real estate ​ $ 1,438 ​ $ — ​ $ 1,287 ​ $ (23) ​ $ 14 ​ $ 2,716 Commercial real estate ​ ​ 2,806 ​ ​ — ​ ​ (1,216) ​ ​ — ​ ​ — ​ ​ 1,590 Single tenant net lease ​ ​ 2,422 ​ ​ — ​ ​ 1,416 ​ ​ — ​ ​ — ​ ​ 3,838 SBA commercial real estate ​ ​ 3,475 ​ ​ — ​ ​ (802) ​ ​ (110) ​ ​ 15 ​ ​ 2,578 Multifamily ​ ​ 518 ​ ​ — ​ ​ (267) ​ ​ — ​ ​ — ​ ​ 251 Residential construction ​ ​ 191 ​ ​ — ​ ​ 114 ​ ​ — ​ ​ — ​ ​ 305 Commercial construction ​ ​ 63 ​ ​ — ​ ​ 44 ​ ​ — ​ ​ — ​ ​ 107 Land and land development ​ ​ 235 ​ ​ — ​ ​ (23) ​ ​ — ​ ​ — ​ ​ 212 Commercial business ​ ​ 1,284 ​ ​ — ​ ​ (119) ​ ​ (91) ​ ​ 119 ​ ​ 1,193 SBA commercial business ​ ​ 1,346 ​ ​ — ​ ​ 1,413 ​ ​ (698) ​ ​ 61 ​ ​ 2,122 Consumer ​ ​ 523 ​ ​ — ​ ​ 61 ​ ​ (175) ​ ​ 39 ​ ​ 448 ​ ​ $ 14,301 ​ $ — ​ $ 1,908 ​ $ (1,097) ​ $ 248 ​ $ 15,360 ​
Schedule of Impairment Charges to Write Down SBA Loan Servicing Rights at Fair Value	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Charges to write down SBA loan servicing rights ​ $ 591 ​ $ 882 ​ $ 216
Schedule of aggregate fair value and the aggregate remaining principal balance for residential mortgage loans held for sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Aggregate ​ ​ September 30, 2023: ​ Aggregate ​ Principal ​ ​ ​ (In thousands) ​ Fair Value ​ Balance ​ Difference Residential mortgage loans held for sale ​ $ 24,692 ​ $ 24,382 ​ $ 309
Schedule of gains and losses and interest included in earnings related to financial assets measured at fair value under the fair value option	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ 2024 ​ 2023 ​ 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gains (losses) – included in mortgage banking income ​ $ (97) ​ $ 482 ​ $ (385) Interest income ​ 473 ​ 2,256 ​ 3,989 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 376 ​ $ 2,738 ​ $ 3,604
Schedule of carrying value and estimated fair value of financial instruments and the level within the fair value hierarchy in which the fair value measurements fall	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ September 30, 2024: ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 39,393 ​ $ 39,393 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 12,749 ​ 12,749 ​ — ​ — Interest-bearing time deposits ​ 490 ​ — ​ 490 ​ — Securities held to maturity ​ 1,040 ​ — ​ 29 ​ 1,023 SBA loans held for sale ​ ​ 25,716 ​ ​ — ​ ​ 28,375 ​ ​ — Loans, net ​ 1,963,852 ​ — ​ — ​ 1,892,241 FRB and FHLB stock ​ 24,986 ​ N/A ​ N/A ​ N/A Accrued interest receivable ​ 11,376 ​ — ​ 11,376 ​ — Nonresidential mortgage loan servicing rights ​ 67 ​ — ​ — ​ 67 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ ​ 191,528 ​ ​ 191,528 ​ ​ — ​ ​ — Interest-bearing deposits ​ ​ 1,689,353 ​ ​ — ​ ​ — ​ ​ 1,688,980 Borrowings from FHLB ​ 301,640 ​ — ​ 299,259 ​ — Subordinated notes ​ 48,603 ​ — ​ 47,760 ​ — Accrued interest payable ​ 13,384 ​ — ​ 13,384 ​ — Advance payments by borrowers for taxes and insurance ​ ​ 931 ​ ​ — ​ ​ 931 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Fair Value Measurements Using: (In thousands) Amount Level 1 Level 2 Level 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2023: ​ ​ ​ ​ ​ ​ ​ ​ Financial assets: ​ ​ ​ ​ Cash and due from banks ​ $ 18,014 ​ $ 18,014 ​ $ — ​ $ — Interest-bearing deposits with banks ​ 12,831 ​ 12,831 ​ — ​ — Interest-bearing time deposits ​ 490 ​ — ​ 490 ​ — Securities held to maturity ​ 1,300 ​ — ​ 38 ​ 1,265 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 ​ ​ — Nonresidential mortgage loan servicing rights ​ 101 ​ — ​ — ​ 101 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ 242,237 ​ 242,237 ​ — ​ — Interest-bearing deposits ​ ​ 1,439,557 ​ ​ — ​ ​ — ​ ​ 1,435,083 Borrowings from FHLB ​ 363,183 ​ — ​ 356,257 ​ — Subordinated notes ​ 48,444 ​ — ​ 46,940 ​ — Accrued interest payable ​ 8,926 ​ — ​ 8,926 ​ — Advance payments by borrowers for taxes and insurance ​ 1,027 ​ — ​ 1,027 ​ —
Impaired loans
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Schedule of significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ 2024 ​ 2023 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument Inputs (Weighted Average) (Weighted Average) Collateral dependent loans Discount from appraised value ​ 0% - 100.0% (18.42%) 10.0% - 50.0% (14.22%) ​ Estimated costs to sell ​ 6.0% - 6.0% (6.00%) 6.0% - 6.0% (6.00%) ​
Schedule of Provisions for loan losses recognized for impaired loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) 2024 2023 2022 Provision for credit losses recognized ​ $ 1,322 ​ $ 256 ​ $ 2,421
SBA loan servicing rights
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Schedule of significant unobservable inputs (Level 3) used in the valuation of derivative financial instruments measured at fair value on a recurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ Significant 2024 2023 ​ ​ Unobservable ​ Range of Inputs ​ Range of Inputs Financial Instrument ​ Inputs ​ (Weighted Average) ​ (Weighted Average) SBA loan servicing rights ​ Discount rate ​ 7.57% - 25.00% (11.75%) ​ 10.25% - 25.00% (13.79%) ​ Prepayment speed 9.67% - 29.11% (19.06%) 8.60% - 32.85% (16.91%)
Available for sale investment securities
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 Average) Financial Instrument Unobservable Inputs September 30, 2024 Other investment security Estimated market rate 9.00% - 10.00% (9.15%)
Summary of reconciliation of MSRs measured at fair value on a recurring basis using significant unobservable inputs	​ ​ ​ ​ ​ ​ ​ Year Ended (In thousands) September 30, 2024 ​ ​ ​ ​ Beginning balance ​ $ 460 Transfers from Level 2 to Level 3 ​ 1,200 Change in value ​ 568 Ending balance in Level 3 ​ $ 2,228

CAPITAL REQUIREMENTS AND REST_2

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS (Tables)	12 Months Ended
	Sep. 30, 2024
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Schedule of actual capital amounts and ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized Under ​ ​ ​ ​ ​ ​ ​ for Capital ​ Prompt Corrective ​ ​ Actual ​ Adequacy Purposes ​ Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, 2024 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total capital (to risk-weighted assets): ​ ​ ​ ​ Consolidated ​ $ 244,214 12.53 % $ 155,976 8.00 % ​ N/A N/A ​ Bank ​ 242,041 12.42 ​ 155,946 8.00 ​ $ 194,932 10.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 179,325 9.20 % $ 116,982 6.00 % N/A N/A ​ Bank ​ 221,755 11.38 ​ 116,959 6.00 ​ $ 155,946 8.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Common equity tier 1 capital (to risk-weighted assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 179,325 9.20 % $ 87,737 4.50 % N/A N/A ​ Bank ​ 221,755 11.38 ​ 87,720 4.50 ​ $ 126,706 6.50 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tier 1 capital (to average adjusted total assets): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 179,325 7.42 % $ 96,607 4.00 % N/A N/A ​ Bank ​ 221,755 9.18 ​ 96,590 4.00 ​ $ 120,737 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 ​ $ 114,257 5.00 %

SUPPLEMENTAL DISCLOSURE FOR E_2

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE (Tables)	12 Months Ended
	Sep. 30, 2024
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Schedule of earnings per share information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands, except share and per share data) 2024 2023 2022 Basic: ​ ​ ​ ​ Earnings: ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 13,592 ​ $ 8,172 ​ $ 15,386 Shares: ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,830,466 ​ 6,848,311 ​ 7,058,550 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 1.99 ​ $ 1.19 ​ $ 2.18 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ Earnings: ​ ​ ​ ​ ​ ​ Net income attributable to First Savings Financial Group, Inc. available to common shareholders ​ $ 13,592 ​ $ 8,172 ​ $ 15,386 Shares: ​ ​ ​ Weighted average common shares outstanding, basic ​ 6,830,466 ​ 6,848,311 ​ 7,058,550 Add: Dilutive effect of outstanding options ​ 26,054 ​ 31,761 ​ 71,240 Add: Dilutive effect of restricted stock ​ — ​ — ​ 12,056 Weighted average common shares outstanding, as adjusted ​ 6,856,520 ​ 6,880,072 ​ 7,141,846 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 1.98 ​ $ 1.19 ​ $ 2.15

PARENT COMPANY CONDENSED FINA_2

PARENT COMPANY CONDENSED FINANCIAL INFORMATION (Tables)	12 Months Ended
	Sep. 30, 2024
PARENT COMPANY CONDENSED FINANCIAL INFORMATION
Schedule of condensed balance sheet information	Balance Sheets ​ ​ ​ ​ ​ ​ ​ ​ ​ As of September 30, (In thousands) 2024 2023 ​ ​ ​ ​ ​ ​ Assets: ​ ​ Cash and due from banks ​ $ 4,240 ​ $ 7,425 Other assets ​ 2,679 ​ 1,489 Investment in subsidiaries ​ 219,546 ​ 190,946 ​ ​ $ 226,465 ​ $ 199,860 ​ ​ ​ ​ ​ ​ ​ Liabilities and Equity: ​ ​ Subordinated notes ​ $ 48,603 ​ $ 48,444 Accrued expenses ​ 747 ​ 435 Stockholders’ equity ​ 177,115 ​ 150,981 ​ ​ $ 226,465 ​ $ 199,860
Schedule of condensed income statement information	Statements of Income ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ Dividend income from subsidiaries ​ $ 4,500 ​ $ 1,335 ​ $ 1,300 Interest expense ​ (3,204) ​ (2,794) ​ (2,111) Other operating income ​ ​ - ​ ​ 660 ​ ​ — Other operating expenses ​ (1,362) ​ (1,525) ​ (1,475) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loss before income taxes and equity in undistributed net income of subsidiaries ​ (66) ​ (2,324) ​ (2,286) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income tax benefit ​ 923 ​ 772 ​ 795 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Income (loss) before equity in undistributed net income of subsidiaries ​ 857 ​ (1,552) ​ (1,491) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ 12,735 ​ 9,724 ​ 16,877 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 13,592 ​ $ 8,172 ​ $ 15,386 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Comprehensive income (loss) ​ $ 31,984 ​ $ 5,664 ​ $ (20,593)
Schedule of condensed cash flow statement information	Statements of Cash Flows ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, (In thousands) 2024 2023 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ Operating Activities: ​ ​ ​ Net income ​ $ 13,592 ​ $ 8,172 ​ $ 15,386 Adjustments to reconcile net income to net cash provided by (used in) operating activities: ​ ​ ​ ​ ​ ​ Equity in undistributed net income of subsidiaries ​ (12,735) ​ (9,724) ​ (16,877) Amortization of subordinated debt issuance costs ​ ​ 159 ​ ​ 227 ​ ​ — Stock compensation expense ​ 699 ​ 698 ​ 688 Gain from repurchase of subordinated debt ​ ​ — ​ ​ (660) ​ ​ — Net change in other assets and liabilities ​ (879) ​ (456) ​ (93) Net cash provided by (used in) operating activities ​ 836 ​ (1,743) ​ (896) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Investing Activities: ​ ​ ​ Investment in bank subsidiary ​ — ​ — ​ (10,000) Net cash used in investing activities ​ — ​ — ​ (10,000) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financing Activities: ​ ​ ​ Repurchase of subordinated debt ​ ​ — ​ ​ (1,340) ​ ​ — Net proceeds from subordinated debt ​ — ​ — ​ 30,258 Proceeds from issuance of common stock from treasury ​ 15 ​ — ​ — Exercise of stock options ​ 94 ​ 16 ​ — Tax paid on stock award shares for employees ​ — ​ (30) ​ (48) Purchase of treasury stock ​ ​ (79) ​ ​ (2,625) ​ ​ (4,745) Dividends paid ​ (4,051) ​ (3,793) ​ (4,499) Net cash provided by (used in) financing activities ​ (4,021) ​ (7,772) ​ 20,966 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net increase (decrease) in cash and due from banks ​ (3,185) ​ (9,515) ​ 10,070 Cash and due from banks at beginning of year ​ 7,425 ​ 16,940 ​ 6,870 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks at end of year ​ $ 4,240 ​ $ 7,425 ​ $ 16,940 ​

SELECTED QUARTERLY FINANCIAL _2

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)	12 Months Ended
	Sep. 30, 2024
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
Schedule of selected quarterly financial information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2024: ​ ​ ​ ​ Interest income ​ $ 28,655 ​ $ 30,016 ​ $ 31,094 ​ $ 32,223 Interest expense ​ 14,542 ​ 15,678 ​ 16,560 ​ 17,146 Net interest income ​ 14,113 ​ 14,338 ​ 14,534 ​ 15,077 Provision for credit losses – loans ​ 470 ​ 713 ​ 501 ​ 1,808 Provision (credit) for unfunded lending commitments ​ (58) ​ (259) ​ 158 ​ (262) Provision (credit) for credit losses – securities ​ — ​ 23 ​ 84 ​ (86) Total provision for loan losses ​ 412 ​ 477 ​ 743 ​ 1,460 Net interest income after provision for loan losses ​ 13,701 ​ 13,861 ​ 13,791 ​ 13,617 Noninterest income ​ 2,782 ​ 3,710 ​ 3,196 ​ 2,842 Noninterest expenses ​ ​ 16,039 ​ ​ 11,778 ​ ​ 12,431 ​ ​ 12,642 Income before income taxes ​ 444 ​ 5,793 ​ 4,556 ​ 3,817 Income tax expense (benefit) ​ ​ (476) ​ ​ 866 ​ ​ 483 ​ ​ 145 Net income ​ $ 920 ​ $ 4,927 ​ $ 4,073 ​ $ 3,672 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.13 ​ $ 0.72 ​ $ 0.60 ​ $ 0.54 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.13 ​ $ 0.72 ​ $ 0.60 ​ $ 0.53 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First ​ Second ​ Third ​ Fourth (In thousands, except per share data) Quarter Quarter Quarter Quarter September 30, 2023: ​ ​ ​ ​ Interest income ​ $ 23,483 ​ $ 24,811 ​ $ 26,798 ​ $ 28,137 Interest expense ​ 7,222 ​ 9,899 ​ 11,933 ​ 12,601 Net interest income ​ 16,261 ​ 14,912 ​ 14,865 ​ 15,536 Provision for loan losses ​ 984 ​ 372 ​ 441 ​ 815 Net interest income after provision for loan losses ​ 15,277 ​ 14,540 ​ 14,424 ​ 14,721 Noninterest income ​ 5,188 ​ 7,516 ​ 7,196 ​ 5,442 Noninterest expenses ​ 17,511 ​ 17,999 ​ 18,965 ​ 21,647 Income (loss) before income taxes ​ 2,954 ​ 4,057 ​ 2,655 ​ (1,484) Income tax expense (benefit) ​ 83 ​ 333 ​ 331 ​ (737) Net income (loss) ​ $ 2,871 ​ $ 3,724 ​ $ 2,324 ​ $ (747) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, basic ​ $ 0.42 ​ $ 0.54 ​ $ 0.34 ​ $ (0.11) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income (loss) per common share, diluted ​ $ 0.42 ​ $ 0.54 ​ $ 0.34 ​ $ (0.11) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2022: ​ ​ ​ ​ Interest income ​ $ 15,762 ​ $ 15,801 ​ $ 18,479 ​ $ 21,152 Interest expense ​ 1,859 ​ 1,788 ​ 2,568 ​ 4,327 Net interest income ​ 13,903 ​ 14,013 ​ 15,911 ​ 16,825 Provision (credit) for loan losses ​ 526 ​ (30) ​ 532 ​ 880 Net interest income after provision for loan losses ​ 13,377 ​ 14,043 ​ 15,379 ​ 15,945 Noninterest income ​ 16,591 ​ 20,072 ​ 10,033 ​ 4,531 Noninterest expenses ​ 24,852 ​ 25,461 ​ 22,835 ​ 19,514 Income before income taxes ​ 5,116 ​ 8,654 ​ 2,577 ​ 962 Income tax expense (benefit) ​ 811 ​ 1,619 ​ (61) ​ (446) Net income ​ $ 4,305 ​ $ 7,035 ​ $ 2,638 ​ $ 1,408 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, basic ​ $ 0.60 ​ $ 0.99 ​ $ 0.37 ​ $ 0.20 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income per common share, diluted ​ $ 0.60 ​ $ 0.98 ​ $ 0.37 ​ $ 0.20 ​

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Sep. 30, 2024
SEGMENT REPORTING
Schedule of sum of the segment amounts and consolidated totals	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Consolidated (In thousands) Banking Lending Totals Year Ended September 30, 2024: ​ ​ ​ ​ Net interest income ​ $ 54,252 ​ $ 3,810 ​ $ 58,062 Provision for credit losses - loans ​ 2,577 ​ 915 ​ 3,492 Credit for unfunded lending commitments ​ ​ (175) ​ ​ (246) ​ ​ (421) Provision for credit losses - securities ​ 21 ​ — ​ 21 Total provision for credit losses ​ ​ 2,423 ​ ​ 669 ​ ​ 3,092 Net interest income after provision for credit losses ​ ​ 51,829 ​ ​ 3,141 ​ ​ 54,970 Net gains on sales of loans, SBA ​ ​ — ​ ​ 3,013 ​ ​ 3,013 Mortgage banking income ​ ​ 197 ​ ​ — ​ ​ 197 Noninterest income ​ ​ 8,832 ​ ​ 3,698 ​ ​ 12,530 Noninterest expense ​ 44,578 ​ 8,312 ​ 52,890 Income (loss) before taxes ​ 16,083 ​ (1,473) ​ 14,610 Income tax expense (benefit) ​ 1,374 ​ (356) ​ 1,018 Segment profit (loss) ​ 14,709 ​ (1,117) ​ 13,592 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,365 ​ 6 ​ 2,371 Segment assets at September 30, 2024 ​ 2,346,997 ​ 103,371 ​ 2,450,368 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Totals Year Ended September 30, 2023: ​ ​ ​ ​ Net interest income ​ $ 56,214 ​ $ 4,176 ​ $ 1,184 ​ $ 61,574 Provision (credit) for loan losses ​ ​ 3,270 ​ (658) ​ — ​ 2,612 Net interest income after provision ​ ​ 52,944 ​ ​ 4,834 ​ ​ 1,184 ​ ​ 58,962 Net gains on sales of loans, SBA ​ — ​ 2,717 ​ — ​ 2,717 Mortgage banking income ​ ​ 88 ​ ​ — ​ ​ 14,243 ​ ​ 14,331 Noninterest income ​ ​ 7,762 ​ ​ 3,337 ​ ​ 14,243 ​ ​ 25,342 Noninterest expense ​ ​ 45,017 ​ ​ 9,600 ​ ​ 21,505 ​ ​ 76,122 Income (loss) before taxes ​ ​ 15,689 ​ ​ (1,429) ​ ​ (6,078) ​ ​ 8,182 Income tax expense (benefit) ​ ​ 1,911 ​ (381) ​ (1,520) ​ 10 Segment profit (loss) ​ ​ 13,778 ​ (1,048) ​ (4,558) ​ 8,172 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ 2,439 ​ 20 ​ 90 ​ 2,549 Segment assets at September 30, 2023 ​ 2,110,311 ​ 89,724 ​ 88,819 ​ 2,288,854 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Core ​ SBA ​ Mortgage ​ Consolidated (In thousands) Banking Lending Banking Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended September 30, 2022: ​ ​ ​ ​ ​ Net interest income ​ $ 52,184 ​ $ 6,108 ​ $ 2,360 ​ $ 60,652 Provision for loan losses ​ 1,295 ​ 613 ​ — ​ 1,908 Net interest income after provision ​ 50,889 ​ ​ 5,495 ​ ​ 2,360 ​ ​ 58,744 Net gains on sales of loans, SBA ​ — ​ 3,698 ​ — ​ 3,698 Mortgage banking income (loss) ​ (2) ​ ​ — ​ ​ 38,339 ​ ​ 38,337 Noninterest income ​ 8,292 ​ ​ 4,623 ​ ​ 38,312 ​ ​ 51,227 Noninterest expense ​ 39,979 ​ ​ 8,721 ​ ​ 43,962 ​ ​ 92,662 Income (loss) before taxes ​ 19,202 ​ ​ 1,397 ​ ​ (3,290) ​ ​ 17,309 Income tax expense (benefit) ​ ​ 2,133 ​ 408 ​ (618) ​ 1,923 Segment profit (loss) ​ ​ 17,069 ​ 989 ​ (2,672) ​ 15,386 Noncash items: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Depreciation and amortization ​ ​ 2,256 ​ 30 ​ 162 ​ 2,448 Segment assets at September 30, 2022 ​ ​ 1,880,813 ​ 105,342 ​ 107,570 ​ 2,093,725 ​

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Sep. 30, 2024
REVENUE FROM CONTRACTS WITH CUSTOMERS
Schedule of sources of noninterest income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended ​ ​ September 30, ​ 2024 ​ 2023 ​ 2022 ​ ​ (In thousands) In Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ Service charges on deposit accounts ​ $ 1,950 ​ $ 2,017 ​ $ 1,864 ATM and interchange fees ​ 2,269 ​ ​ 2,756 ​ ​ 2,753 Commission income ​ 956 ​ ​ 746 ​ ​ 717 Other ​ 109 ​ ​ 111 ​ ​ 110 Revenue from contracts with customers ​ 5,284 ​ ​ 5,630 ​ ​ 5,444 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Out of Scope for ASC 606 ​ ​ ​ ​ ​ ​ ​ ​ ​ Net unrealized gain (loss) on equity securities ​ ​ 491 ​ ​ 57 ​ ​ (10) Gain (loss) on sale of securities ​ — ​ ​ (551) ​ ​ 476 Gain on sale of SBA loans ​ 3,013 ​ ​ 2,717 ​ ​ 3,698 Gain on sale of single tenant net lease loans ​ ​ — ​ ​ — ​ ​ 719 Mortgage banking income ​ 197 ​ ​ 14,331 ​ ​ 38,337 Increase in cash value of life insurance ​ 1,378 ​ ​ 1,081 ​ ​ 993 Real estate lease income ​ 506 ​ ​ 469 ​ ​ 571 Other ​ ​ 1,661 ​ ​ 1,608 ​ ​ 999 Other noninterest income ​ 7,246 ​ ​ 19,712 ​ ​ 45,783 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total noninterest income ​ $ 12,530 ​ $ 25,342 ​ $ 51,227

MORTGAGE BANKING INCOME (Tables

MORTGAGE BANKING INCOME (Tables)	12 Months Ended
	Sep. 30, 2024
MORTGAGE BANKING INCOME
Schedule of components of mortgage banking income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended September 30, ​ 2024 2023 2022 (In thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Origination and sale of mortgage loans (1) ​ $ (1,121) ​ $ 6,300 ​ $ (674) Mortgage brokerage income ​ 35 ​ 369 ​ 762 Net change in fair value of loans held for sale and interest rate lock commitments ​ (365) ​ 987 ​ (4,206) Realized and unrealized hedging gains ​ 354 ​ 1,353 ​ 20,398 Capitalized residential mortgage loan servicing rights ​ 509 ​ 2,354 ​ 11,161 Net change in fair value of residential mortgage loan servicing rights ​ (809) ​ (5,849) ​ 2,523 Net loan servicing income ​ 1,532 ​ 9,521 ​ 9,045 Provisions for loan repurchases and indemnifications ​ 62 ​ (704) ​ (672) Total mortgage banking income ​ $ 197 ​ $ 14,331 ​ $ 38,337 ​ (1) Includes origination fees and realized gains and losses on the sale of mortgage loans in the secondary market.

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)		12 Months Ended
	Oct. 01, 2023	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Threshold net book balance		$ 500,000,000
Allowance for credit losses on off balance sheet credit exposures		1,519,000
Minimum estimated value of property		$ 250,000
Income tax percentage realized upon settlement		50%
Notional Amount				$ 133,040,000
Cumulative effect period of adoption adjustment | ASU 2016-02
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
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
Real estate | Residential | Minimum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Term of financing receivables		10 years
Real estate | Residential | Maximum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Term of financing receivables		30 years
Real estate | Commercial
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Term of financing receivables		5 years
Real estate | Commercial | Minimum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Amortization term of financing receivable		15 years
Real estate | Commercial | Maximum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Amortization term of financing receivable		20 years
Real estate | Multifamily
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Maximum loan to value ratio		80%
Real estate | Single tenant net lease
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Maximum loan to value ratio		70%
Real estate | Land and land development
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Maximum loan to value ratio		75%
Real estate | Land and land development | Minimum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Term of financing receivables		18 months
Real estate | Land and land development | Maximum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Term of financing receivables		24 months
Consumer
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Term of financing receivables		15 years
Maximum loan to value ratio		90%
Small Business Administration Loans
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Loans held for sale, small business administration		$ 25,700,000		21,200,000
Small Business Administration Loans | Minimum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Guarantor obligations, liquidation proceeds, percentage		75%
Small Business Administration Loans | Maximum
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Guarantor obligations, liquidation proceeds, percentage		90%
Interest rate lock commitments
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Notional Amount		$ 0	$ 0	67,040,000
Forward mortgage loan sale contracts
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Notional Amount		$ 0	$ 0	$ 66,000,000

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Impact of Adopting ASC 326 (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Oct. 01, 2023	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			$ 16,900	$ 15,360	$ 14,301
Liabilities
Allowance for credit losses on off balance sheet credit exposures	$ 1,519
Residential real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			4,641	2,716		$ 1,438
Commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			1,777	1,590		2,806
Single tenant net lease
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			3,810	3,838		2,422
SBA commercial real estate
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			1,922	2,578		3,475
Multifamily
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			268	251		518
Residential construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			434	305		191
Commercial construction
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			282	107		63
Land and land development
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			307	212		235
Commercial Business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			1,714	1,193		1,284
SBA commercial business
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			1,247	2,122		1,346
Consumer
Allowance for credit losses ("ACL") on loans
Allowance for credit losses on loans			$ 498	$ 448		$ 523
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

RESTRICTION ON CASH AND DUE F_2

RESTRICTION ON CASH AND DUE FROM BANKS (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
RESTRICTION ON CASH AND DUE FROM BANKS
Restricted cash and cash equivalents	$ 0	$ 0

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized cost of securities available for sale and held to maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Debt securities available for sale:
Amortized Cost	$ 262,877	$ 265,209
Gross Unrealized Gain	1,070	34
Gross Unrealized Losses	15,247	37,504
Allowance for credit losses	21
Debt securities available for sale, Fair Value	248,679	227,739
Debt securities held to maturity:
Amortized Cost	1,040	1,300
Gross Unrealized Gain	12	4
Gross Unrealized Losses		1
Fair Value	1,052	1,303
U.S. Treasury notes
Debt securities available for sale:
Amortized Cost	30,031	30,598
Gross Unrealized Losses	2,620	4,649
Debt securities available for sale, Fair Value	27,411	25,949
Agency mortgage-backed
Debt securities available for sale:
Amortized Cost	28,425	28,542
Gross Unrealized Gain	8
Gross Unrealized Losses	2,157	4,274
Debt securities available for sale, Fair Value	26,276	24,268
Debt securities held to maturity:
Amortized Cost	29	36
Gross Unrealized Losses		1
Fair Value	29	35
Agency CMO
Debt securities available for sale:
Amortized Cost	15,700	14,064
Gross Unrealized Losses	774	1,322
Debt securities available for sale, Fair Value	14,926	12,742
Privately-issued CMO
Debt securities available for sale:
Amortized Cost	295	424
Gross Unrealized Gain	2	2
Gross Unrealized Losses	16	30
Allowance for credit losses	21
Debt securities available for sale, Fair Value	260	396
Privately-issued ABS
Debt securities available for sale:
Amortized Cost	301	433
Gross Unrealized Gain	12	13
Gross Unrealized Losses		3
Debt securities available for sale, Fair Value	313	443
SBA certificates
Debt securities available for sale:
Amortized Cost	11,993	11,587
Gross Unrealized Losses	67	842
Debt securities available for sale, Fair Value	11,926	10,745
Municipal bonds
Debt securities available for sale:
Amortized Cost	174,132	177,561
Gross Unrealized Gain	1,048	19
Gross Unrealized Losses	9,493	26,096
Debt securities available for sale, Fair Value	165,687	151,484
Debt securities held to maturity:
Amortized Cost	1,011	1,264
Gross Unrealized Gain	12	4
Fair Value	1,023	1,268
Other
Debt securities available for sale:
Amortized Cost	2,000	2,000
Gross Unrealized Losses	120	288
Debt securities available for sale, Fair Value	$ 1,880	$ 1,712

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized cost and fair value of investment securities by contractual maturity - Securities available for sale (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Available for Sale - Amortized Cost
Due within one year	$ 2,851
Due after one year through five years	8,349
Due after five years through ten years	43,771
Due after ten years	151,192
Amortized Cost	262,877	$ 265,209
Available for Sale - Fair Value
Due within one year	2,848
Due after one year through five years	8,287
Due after five years through ten years	40,850
Due after ten years	142,993
Fair Value	248,679	227,739
Agency CMO
Available for Sale - Amortized Cost
Amortized Cost	15,700
Amortized Cost	15,700	14,064
Available for Sale - Fair Value
Fair Value	14,926
Fair Value	14,926	12,742
Privately-issued CMO
Available for Sale - Amortized Cost
Amortized Cost	295
Amortized Cost	295	424
Available for Sale - Fair Value
Fair Value	260
Fair Value	260	396
Privately-issued ABS
Available for Sale - Amortized Cost
Amortized Cost	301
Amortized Cost	301	433
Available for Sale - Fair Value
Fair Value	313
Fair Value	313	443
SBA certificates
Available for Sale - Amortized Cost
Amortized Cost	11,993
Amortized Cost	11,993	11,587
Available for Sale - Fair Value
Fair Value	11,926
Fair Value	11,926	10,745
Agency Mortgage-Backed
Available for Sale - Amortized Cost
Amortized Cost	28,425
Amortized Cost	28,425	28,542
Available for Sale - Fair Value
Fair Value	26,276
Fair Value	$ 26,276	$ 24,268

INVESTMENT SECURITIES - Amort_3

INVESTMENT SECURITIES - Amortized cost and fair value of investment securities by contractual maturity - Held to maturity securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Held to Maturity - Amortized Cost
Due after one year through five years	$ 175
Due after five years through ten years	836
Amortized Cost	1,040	$ 1,300
Held to Maturity - Fair Value
Due after one year through five years	175
Due after five years through ten years	848
Fair Value	1,052	1,303
Agency Mortgage-Backed
Held to Maturity - Amortized Cost
Without single maturity date	29
Amortized Cost	29	36
Held to Maturity - Fair Value
Without single maturity date	29
Fair Value	$ 29	$ 35

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investment securities with gross unrealized losses (Details) $ in Thousands	Sep. 30, 2024 USD ($) position	Sep. 30, 2023 USD ($) item	Sep. 30, 2019 item
Fair Value
Continuous loss position less than twelve months	$ 5,924	$ 53,662
Continuous loss position more than twelve months	175,597	163,211
Total securities available for sale	$ 181,521	$ 216,873
Number of Investment Positions
Continuous loss position less than twelve months	5	53
Continuous loss position more than twelve months	149	150
Total securities available for sale	154	203
Continuous loss position more than twelve months, held to maturity | item		1
Total debt securities held to maturity | item		1
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 27	$ 4,144
Continuous loss position more than twelve months	15,220	33,360
Total securities available for sale	15,247	37,504
Fair Value
Continuous loss position more than twelve months, held to maturity		19
Total debt securities held to maturity		19
Gross Unrealized Losses
Continuous loss position more than twelve months, held to maturity		1
Total debt securities held to maturity		1
U.S. Treasury notes
Fair Value
Continuous loss position less than twelve months		1,576
Continuous loss position more than twelve months	$ 27,411	$ 24,373
Number of Investment Positions
Continuous loss position less than twelve months | item		5
Continuous loss position more than twelve months	6	1
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 49
Continuous loss position more than twelve months	$ 2,620	4,600
Agency mortgage-backed
Fair Value
Continuous loss position less than twelve months		163
Continuous loss position more than twelve months	$ 23,941	$ 23,859
Number of Investment Positions
Continuous loss position less than twelve months | item		2
Continuous loss position more than twelve months	20	15
Continuous loss position more than twelve months, held to maturity | item		1
Gross Unrealized Losses
Continuous loss position less than twelve months		$ 8
Continuous loss position more than twelve months	$ 2,157	4,266
Fair Value
Continuous loss position more than twelve months, held to maturity		19
Gross Unrealized Losses
Continuous loss position more than twelve months, held to maturity		1
Agency CMO
Fair Value
Continuous loss position less than twelve months	2,641	4,249
Continuous loss position more than twelve months	$ 12,285	$ 8,493
Number of Investment Positions
Continuous loss position less than twelve months	1	1
Continuous loss position more than twelve months	15	14
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 15	$ 462
Continuous loss position more than twelve months	759	860
Privately-issued CMO
Fair Value
Continuous loss position more than twelve months	$ 241	$ 375
Number of Investment Positions
Continuous loss position more than twelve months	3	2
Gross Unrealized Losses
Continuous loss position more than twelve months	$ 16	$ 30
Privately-issued ABS
Fair Value
Continuous loss position more than twelve months	$ 117	$ 212
Number of Investment Positions
Continuous loss position more than twelve months	1	1
Gross Unrealized Losses
Continuous loss position more than twelve months		$ 3
SBA certificates
Fair Value
Continuous loss position less than twelve months	$ 998	31
Continuous loss position more than twelve months	$ 10,928	$ 10,714
Number of Investment Positions
Continuous loss position less than twelve months	1	1
Continuous loss position more than twelve months	3		2
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 2	$ 3
Continuous loss position more than twelve months	65	839
Municipal bonds
Fair Value
Continuous loss position less than twelve months	2,285	45,931
Continuous loss position more than twelve months	$ 98,794	$ 95,185
Number of Investment Positions
Continuous loss position less than twelve months	3	43
Continuous loss position more than twelve months	100	115
Gross Unrealized Losses
Continuous loss position less than twelve months	$ 10	$ 3,334
Continuous loss position more than twelve months	9,483	22,762
Other
Fair Value
Continuous loss position less than twelve months		$ 1,712
Continuous loss position more than twelve months	$ 1,880
Number of Investment Positions
Continuous loss position less than twelve months | item		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	$ 120

INVESTMENT SECURITIES - Gross R

INVESTMENT SECURITIES - Gross Realized Gain and Losses on Sales of Available for Sale Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2021
Gross Realized Gain and Losses
Gross realized gains on sales	$ 0	$ 341	$ 488
Gross realized losses on sales	0	(892)	(12)
Net realized gain (loss) on sales of available for sale securities	$ 0	$ (551)	$ 476

INVESTMENT SECURITIES - Availab

INVESTMENT SECURITIES - Available for sale debt securities - Allowance for credit losses (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2024 USD ($)
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	$ 108
Reductions due to increase in expected cash flows	(87)
Ending balance	21
Privately-issued CMO
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	24
Reductions due to increase in expected cash flows	(3)
Ending balance	21
Other Investments
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	84
Reductions due to increase in expected cash flows	$ (84)

INVESTMENT SECURITIES - Additio

INVESTMENT SECURITIES - Additional Information (Details)	12 Months Ended
	Sep. 30, 2024 USD ($) position	Sep. 30, 2023 USD ($) item	Sep. 30, 2022 USD ($)
Investment Securities
Provision for credit losses - securities	$ 21,000
Number of securities having credit losses | position	2
Debt securities available for sale, Fair Value	$ 248,679,000	$ 227,739,000
Carrying value of HTM debt securities	$ 1,040,000	$ 1,300,000
Available for sale debt securities in loss position, depreciation percentage	6.30%
Continuous loss position more than twelve months	149	150
Other-than-temporary impairment losses		$ 28,000
Percentage of available for sale of investments	73%	95%
Proceeds from sales of securities available for sale		$ 79,230,000	$ 33,494,000
Privately-issued CMO
Investment Securities
Debt securities available for sale, Fair Value	$ 260,000	$ 396,000
Continuous loss position more than twelve months	3	2
Investments, fair value disclosure	$ 240,000
Number of positions depreciated | position	1
Privately-issued ABS
Investment Securities
Debt securities available for sale, Fair Value	$ 313,000	$ 443,000
Continuous loss position more than twelve months	1	1
Total unrealized loss	$ 16,000
Municipal bonds
Investment Securities
Debt securities available for sale, Fair Value	165,687,000	$ 151,484,000
Carrying value of HTM debt securities	$ 1,011,000	$ 1,264,000
Continuous loss position more than twelve months	100	115

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	$ 1,984,101,000
Total loans		$ 1,786,194,000
Deferred loan origination fees and costs, net	1,045,000
Deferred loan origination fees and costs, net		949,000
Allowance for credit losses	(21,294,000)
Allowance for loan losses		(16,900,000)
Loans, net	1,963,852,000
Loans, net		1,770,243,000
Discounts on SBA loans	3,200,000	3,300,000
Other financial institutions
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans, net	244,000
Loans, net		253,000
Residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	670,011,000
Total loans		528,410,000
Allowance for credit losses	(7,485,000)
Allowance for loan losses		(4,641,000)
Commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	204,847,000
Total loans		187,232,000
Allowance for credit losses	(1,744,000)
Allowance for loan losses		(1,777,000)
Single tenant net lease
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	750,642,000
Total loans		757,388,000
Allowance for credit losses	(4,038,000)
Allowance for loan losses		(3,810,000)
SBA commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	55,557,000
Total loans		47,078,000
Allowance for credit losses	(3,100,000)
Allowance for loan losses		(1,922,000)
Multifamily
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	37,763,000
Total loans		34,892,000
Allowance for credit losses	(341,000)
Allowance for loan losses		(268,000)
Residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	53,237,000
Total loans		24,924,000
Allowance for credit losses	(405,000)
Allowance for loan losses		(434,000)
Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	9,172,000
Total loans		14,588,000
Allowance for credit losses	(165,000)
Allowance for loan losses		(282,000)
Land and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	17,678,000
Total loans		17,234,000
Allowance for credit losses	(204,000)
Allowance for loan losses		(307,000)
Real estate mortgage | Residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	670,011,000
Total loans		528,410,000
Real estate mortgage | Commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	204,847,000
Total loans		187,232,000
Real estate mortgage | Single tenant net lease
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	750,642,000
Total loans		757,388,000
Real estate mortgage | Multifamily
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	37,763,000
Total loans		34,892,000
Real estate mortgage | Residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	53,237,000
Total loans		24,924,000
Real estate mortgage | Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	9,172,000
Total loans		14,588,000
Real estate mortgage | Land and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	17,678,000
Total loans		17,234,000
Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	124,639,000
Total loans		117,594,000
Commercial business | SBA commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	55,557,000
Total loans		47,078,000
SBA commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	18,342,000
Total loans		16,939,000
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	$ 42,213,000
Total loans		$ 39,915,000

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Activity for related party loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	$ 1,478	$ 7,656
New loans and advances	231
Repayments	(193)	(205)
Reclassifications due to officer and director changes		(5,973)
Ending balance	1,516	1,478
Off-balance-sheet commitments to related parties	$ 523,000	$ 755,000,000

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Components of loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Loans as Evaluated for Impairment:
Individually evaluated for impairment	$ 16,942	$ 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	4,583	3,312
Collectively evaluated for impairment		525,098
Loans		528,410
Commercial real estate
Loans as Evaluated for Impairment:
Individually evaluated for impairment	619	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	8,159	7,415
Collectively evaluated for impairment		39,663
Loans		47,078
Multifamily
Loans as Evaluated for Impairment:
Individually evaluated for impairment	263	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	1,335	1,946
Collectively evaluated for impairment		115,648
Loans		117,594
SBA commercial business
Loans as Evaluated for Impairment:
Individually evaluated for impairment	1,858	1,122
Collectively evaluated for impairment		15,817
Loans		16,939
Consumer
Loans as Evaluated for Impairment:
Individually evaluated for impairment	$ 125	233
Collectively evaluated for impairment		39,682
Loans		$ 39,915

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for credit losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment		$ 563
Collectively Evaluated for Impairment		16,337
Allowance for loan losses		16,900
Activity in Allowance for Loan Losses:
Provisions (Credits)	$ (3,492)	(2,612)	$ (1,908)
Charge-offs	(820)
Recoveries	293
Ending balance	21,294
Beginning balance	16,900	15,360	14,301
Provisions (Credits)		2,612	1,908
Charge-offs		(1,247)	(1,097)
Recoveries		175	248
Ending balance		16,900	15,360
Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	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
Activity in Allowance for Loan Losses:
Provisions (Credits)	1,908
Charge-offs	(168)
Recoveries	67
Ending balance	7,485
Beginning balance	4,641	2,716
Provisions (Credits)		1,980	1,287
Charge-offs		(71)	(23)
Recoveries		16	14
Ending balance		4,641	2,716
Residential real estate | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	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
Activity in Allowance for Loan Losses:
Provisions (Credits)	(288)
Charge-offs	0
Recoveries	0
Ending balance	1,744
Beginning balance	1,777	1,590
Provisions (Credits)		187	(1,216)
Charge-offs		0
Recoveries		0
Ending balance		1,777	1,590
Commercial real estate | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	255
Single tenant net lease
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment		3,810
Allowance for loan losses		3,810
Activity in Allowance for Loan Losses:
Provisions (Credits)	6
Charge-offs	0
Recoveries	0
Ending balance	4,038
Beginning balance	3,810	3,838
Provisions (Credits)		(28)	1,416
Charge-offs		0
Recoveries		0
Ending balance		3,810	3,838
Single tenant net lease | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	222
SBA commercial real estate
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment		1,922
Allowance for loan losses		1,922
Activity in Allowance for Loan Losses:
Provisions (Credits)	662
Charge-offs	(58)
Recoveries	63
Ending balance	3,100
Beginning balance	1,922	2,578
Provisions (Credits)		(302)	(802)
Charge-offs		(357)	(110)
Recoveries		3	15
Ending balance		1,922	2,578
SBA commercial real estate | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	511
Multifamily
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment		268
Allowance for loan losses		268
Activity in Allowance for Loan Losses:
Provisions (Credits)	94
Charge-offs	0
Recoveries	0
Ending balance	341
Beginning balance	268	251
Provisions (Credits)		17	(267)
Charge-offs		0
Recoveries		0
Ending balance		268	251
Multifamily | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	(21)
Residential construction
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment		434
Allowance for loan losses		434
Activity in Allowance for Loan Losses:
Provisions (Credits)	197
Charge-offs	0
Recoveries	0
Ending balance	405
Beginning balance	434	305
Provisions (Credits)		129	114
Charge-offs		0
Recoveries		0
Ending balance		434	305
Residential construction | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	(226)
Commercial construction
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment		282
Allowance for loan losses		282
Activity in Allowance for Loan Losses:
Provisions (Credits)	(160)
Charge-offs	0
Recoveries	0
Ending balance	165
Beginning balance	282	107
Provisions (Credits)		175	44
Charge-offs		0
Recoveries		0
Ending balance		282	107
Commercial construction | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	43
Land and land development
Ending Allowance Balance Attributable to Loans:
Collectively Evaluated for Impairment		307
Allowance for loan losses		307
Activity in Allowance for Loan Losses:
Provisions (Credits)	(29)
Charge-offs	0
Recoveries	0
Ending balance	204
Beginning balance	307	212
Provisions (Credits)		95	(23)
Charge-offs		0
Recoveries		0
Ending balance		307	212
Land and land development | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	(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
Activity in Allowance for Loan Losses:
Provisions (Credits)	472
Charge-offs	(34)
Recoveries	0
Ending balance	1,657
Beginning balance	1,714	1,193
Provisions (Credits)		452	(119)
Charge-offs		0	(91)
Recoveries		69	119
Ending balance		1,714	1,193
Commercial Business | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	(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
Activity in Allowance for Loan Losses:
Provisions (Credits)	252
Charge-offs	(172)
Recoveries	63
Ending balance	1,550
Beginning balance	1,247	2,122
Provisions (Credits)		(357)	1,413
Charge-offs		(569)	(698)
Recoveries		51	61
Ending balance		1,247	2,122
SBA commercial business | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	160
Consumer
Ending Allowance Balance Attributable to Loans:
Individually Evaluated for Impairment		189
Collectively Evaluated for Impairment		309
Allowance for loan losses		498
Activity in Allowance for Loan Losses:
Provisions (Credits)	378
Charge-offs	(388)
Recoveries	100
Ending balance	605
Beginning balance	498	448
Provisions (Credits)		264	61
Charge-offs		(250)	(175)
Recoveries		36	39
Ending balance		$ 498	$ 448
Consumer | Adoption of ASC 326
Activity in Allowance for Loan Losses:
Ending balance	$ 17

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	$ 11,871	$ 9,976
Loans with no related allowance recorded, Unpaid Principal Balance	15,354	11,658
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	13,388	13,487
Loans with no related allowance recorded, Interest Income Recognized	127	92
Loans with an allowance recorded, Recorded Investment	3,343	3,425
Loans with an allowance recorded, Unpaid Principal Balance	3,636	4,413
Loans with an allowance recorded, Related Allowance	964		$ 563
Loans with an allowance recorded, Average Recorded Investment	3,109	3,367
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	15,214	13,401
Total, Unpaid Principal Balance	18,990	16,071
Total, Related Allowance	964		563
Total, Average Recorded Investment	16,497	16,854
Total, Interest Income Recognized	127	92
Residential real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	1,989	2,244
Loans with no related allowance recorded, Unpaid Principal Balance	2,139	2,524
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	2,822	2,978
Loans with no related allowance recorded, Interest Income Recognized	52	45
Loans with an allowance recorded, Recorded Investment	1,323	0
Loans with an allowance recorded, Unpaid Principal Balance	1,328	0
Loans with an allowance recorded, Related Allowance	0		74
Loans with an allowance recorded, Average Recorded Investment	365	206
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	3,312	2,244
Total, Unpaid Principal Balance	3,467	2,524
Total, Related Allowance	0		74
Total, Average Recorded Investment	3,187	3,184
Total, Interest Income Recognized	52	45
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	551	908
Loans with no related allowance recorded, Unpaid Principal Balance	627	982
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	886	1,038
Loans with no related allowance recorded, Interest Income Recognized	23	21
Loans with an allowance recorded, Recorded Investment	317	0
Loans with an allowance recorded, Unpaid Principal Balance	317	0
Loans with an allowance recorded, Related Allowance	0	0	2
Loans with an allowance recorded, Average Recorded Investment	63	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	868	908
Total, Unpaid Principal Balance	944	982
Total, Related Allowance	0	0	2
Total, Average Recorded Investment	949	1,038
Total, Interest Income Recognized	23	21
Single tenant net lease
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance		0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
SBA commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	7,415	5,197
Loans with no related allowance recorded, Unpaid Principal Balance	9,397	5,952
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	7,484	7,235
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	2,385
Loans with an allowance recorded, Unpaid Principal Balance	0	2,919
Loans with an allowance recorded, Related Allowance	0	290
Loans with an allowance recorded, Average Recorded Investment	1,146	2,213
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	7,415	7,582
Total, Unpaid Principal Balance	9,397	8,871
Total, Related Allowance	0	290
Total, Average Recorded Investment	8,630	9,448
Total, Interest Income Recognized	0	0
Multifamily
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	318	354
Loans with no related allowance recorded, Unpaid Principal Balance	362	398
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	371	415
Loans with no related allowance recorded, Interest Income Recognized	15	6
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	318	354
Total, Unpaid Principal Balance	362	398
Total, Related Allowance	0	0
Total, Average Recorded Investment	371	415
Total, Interest Income Recognized	15	6
Residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance	0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0	0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0	0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance	0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0		0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0		0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
Land and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	0	0
Loans with no related allowance recorded, Unpaid Principal Balance	0	0
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	0	0
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	0	0
Loans with an allowance recorded, Unpaid Principal Balance	0	0
Loans with an allowance recorded, Related Allowance	0		0
Loans with an allowance recorded, Average Recorded Investment	0	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	0	0
Total, Unpaid Principal Balance	0	0
Total, Related Allowance	0		0
Total, Average Recorded Investment	0	0
Total, Interest Income Recognized	0	0
Commercial Business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	870	998
Loans with no related allowance recorded, Unpaid Principal Balance	972	1,189
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	925	1,318
Loans with no related allowance recorded, Interest Income Recognized	37	19
Loans with an allowance recorded, Recorded Investment	1,076	0
Loans with an allowance recorded, Unpaid Principal Balance	1,165	0
Loans with an allowance recorded, Related Allowance	0		111
Loans with an allowance recorded, Average Recorded Investment	296	0
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	1,946	998
Total, Unpaid Principal Balance	2,137	1,189
Total, Related Allowance	0		111
Total, Average Recorded Investment	1,221	1,318
Total, Interest Income Recognized	37	19
SBA commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	684	182
Loans with no related allowance recorded, Unpaid Principal Balance	1,799	532
Loans with no related allowance recorded, Average Recorded Investment	839	412
Loans with no related allowance recorded, Interest Income Recognized	0	0
Loans with an allowance recorded, Recorded Investment	438	895
Loans with an allowance recorded, Unpaid Principal Balance	637	1,349
Loans with an allowance recorded, Related Allowance	674		187
Loans with an allowance recorded, Average Recorded Investment	1,049	802
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	1,122	1,077
Total, Unpaid Principal Balance	2,436	1,881
Total, Related Allowance	674		187
Total, Average Recorded Investment	1,888	1,214
Total, Interest Income Recognized	0	0
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans with no related allowance recorded, Recorded Investment	44	93
Loans with no related allowance recorded, Unpaid Principal Balance	58	81
Loans with no related allowance recorded, Related Allowance	0	0
Loans with no related allowance recorded, Average Recorded Investment	61	91
Loans with no related allowance recorded, Interest Income Recognized	0	1
Loans with an allowance recorded, Recorded Investment	189	145
Loans with an allowance recorded, Unpaid Principal Balance	189	145
Loans with an allowance recorded, Related Allowance	0		189
Loans with an allowance recorded, Average Recorded Investment	190	146
Loans with an allowance recorded, Interest Income Recognized	0	0
Total, Recorded Investment	233	238
Total, Unpaid Principal Balance	247	226
Total, Related Allowance	0		$ 189
Total, Average Recorded Investment	251	237
Total, Interest Income Recognized	$ 0	$ 1

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Nonperforming loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total Nonaccrual Loans	$ 16,942
Nonaccural Loans with No Allowance for Credit loses	10,644
Total Nonaccrual Loans		$ 13,948
Residential real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total Nonaccrual Loans	4,583
Nonaccural Loans with No Allowance for Credit loses	3,479
Total Nonaccrual Loans		2,426
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total Nonaccrual Loans	619
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	8,159
Nonaccural Loans with No Allowance for Credit loses	5,648
Total Nonaccrual Loans		7,415
Multifamily
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total Nonaccrual Loans	263
Nonaccural Loans with No Allowance for Credit loses	263
Total Nonaccrual Loans		318
Commercial Business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total Nonaccrual Loans	1,335
Nonaccural Loans with No Allowance for Credit loses	382
Total Nonaccrual Loans		1,946
SBA commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total Nonaccrual Loans	1,858
Nonaccural Loans with No Allowance for Credit loses	257
Total Nonaccrual Loans		1,099
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total Nonaccrual Loans	125
Nonaccural Loans with No Allowance for Credit loses	$ 119
Total Nonaccrual Loans		$ 233

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amortized cost basis of collateral dependent loans individually evaluated to determine expected credit losses (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	$ 16,942	$ 15,214
Real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	13,624
Other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	3,318
Residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	4,583	3,312
Residential | Real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	4,583
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	619	868
Commercial real estate | Real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	619
SBA commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	8,159	7,415
SBA commercial real estate | Real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	8,159
Multifamily
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	263	318
Multifamily | Real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	263
Undisbursed portion of commercial and personal lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	1,335	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	1,335
SBA commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	1,858	1,122
SBA commercial business | Other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	1,858
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	125	$ 233
Consumer | Other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized cost basis of collateral dependent loans individually evaluated	$ 125

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Aging of recorded investment in past due loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	$ 1,984,101
Total loans		$ 1,786,194
30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	3,090	3,921
60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	1,566	199
90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	7,302	6,499
Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	11,958	10,619
Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	1,972,143	1,775,575
Residential real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	670,011
Total loans		528,410
Residential real estate | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	2,490	2,715
Residential real estate | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	804	132
Residential real estate | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	2,053	1,818
Residential real estate | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	5,347	4,665
Residential real estate | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	664,664	523,745
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	204,847
Total loans		187,232
Commercial real estate | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	94	23
Commercial real estate | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	190	62
Commercial real estate | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	496	0
Commercial real estate | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	780	85
Commercial real estate | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	204,067	187,147
Single tenant net lease
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	750,642
Total loans		757,388
Single tenant net lease | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Single tenant net lease | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Single tenant net lease | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Single tenant net lease | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Single tenant net lease | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	750,642	757,388
SBA commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	55,557
Total loans		47,078
SBA commercial real estate | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	257	764
SBA commercial real estate | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	466	0
SBA commercial real estate | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	4,252	3,877
SBA commercial real estate | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	4,975	4,641
SBA commercial real estate | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	50,582	42,437
Multifamily
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	37,763
Total loans		34,892
Multifamily | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Multifamily | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Multifamily | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Multifamily | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Multifamily | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	37,763	34,892
Residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	53,237
Total loans		24,924
Residential construction | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Residential construction | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Residential construction | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Residential construction | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Residential construction | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	53,237	24,924
Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	9,172
Total loans		14,588
Commercial construction | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Commercial construction | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Commercial construction | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Commercial construction | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Commercial construction | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	9,172	14,588
Land and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	17,678
Total loans		17,234
Land and land development | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	40
Land and land development | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Land and land development | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	0
Land and land development | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	40
Land and land development | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	17,678	17,194
Commercial Business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	124,639
Total loans		117,594
Commercial Business | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	23	112
Commercial Business | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	1	0
Commercial Business | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	33	86
Commercial Business | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	57	198
Commercial Business | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	124,582	117,396
SBA commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	18,342
Total loans		16,939
SBA commercial business | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	61	130
SBA commercial business | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	105	0
SBA commercial business | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	436	682
SBA commercial business | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	602	812
SBA commercial business | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	17,740	16,127
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total loans	42,213
Total loans		39,915
Consumer | 30 to 59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	165	137
Consumer | 60 to 89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	0	5
Consumer | 90+ Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	32	36
Consumer | Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	197	178
Consumer | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable recorded investment	$ 42,016	$ 39,737

LOANS AND ALLOWANCE FOR CRED_11

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) $ in Thousands	12 Months Ended
	Sep. 30, 2024 USD ($)
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	$ 196,031
2023	337,763
2022	450,831
2021	135,065
2020	140,283
Prior	255,653
Revolving Loans	468,475
Total	1,984,101
2024	36
2023	6
2021	39
2020	15
Prior	218
Revolving Loans	506
Total	820
Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	194,312
2023	335,338
2022	450,052
2021	134,476
2020	138,302
Prior	245,085
Revolving Loans	467,656
Total	1,965,221
Special Mention
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	150
Total	150
Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	1,569
2023	2,425
2022	779
2021	589
2020	1,981
Prior	10,551
Revolving Loans	819
Total	18,713
Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior	17
Total	17
Residential
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	63,038
2023	39,934
2022	46,309
2021	18,477
2020	11,293
Prior	54,025
Revolving Loans	436,935
Total	670,011
2024	36
2021	1
Prior	6
Revolving Loans	125
Total	168
Residential | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	62,304
2023	39,024
2022	46,036
2021	18,129
2020	11,293
Prior	53,407
Revolving Loans	436,235
Total	666,428
Residential | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	734
2023	910
2022	273
2021	348
Prior	601
Revolving Loans	700
Total	3,566
Residential | Doubtful
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior	17
Total	17
Commercial real estate
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	21,530
2023	42,308
2022	62,371
2021	21,295
2020	7,749
Prior	49,594
Total	204,847
Total	0
Commercial real estate | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	21,380
2023	41,689
2022	62,181
2021	21,295
2020	7,727
Prior	49,425
Total	203,697
Commercial real estate | Special Mention
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	150
Total	150
Commercial real estate | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023	619
2022	190
2020	22
Prior	169
Total	1,000
Single tenant net lease
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	34,819
2023	148,265
2022	273,898
2021	71,361
2020	97,182
Prior	125,117
Total	750,642
Total	0
Single tenant net lease | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	34,819
2023	148,265
2022	273,898
2021	71,361
2020	97,182
Prior	125,117
Total	750,642
SBA commercial real estate
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	9,623
2023	8,543
2022	9,075
2021	6,423
2020	8,609
Prior	13,186
Revolving Loans	98
Total	55,557
2020	10
Prior	48
Total	58
SBA commercial real estate | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	9,623
2023	8,543
2022	8,913
2021	6,280
2020	6,843
Prior	5,672
Revolving Loans	98
Total	45,972
SBA commercial real estate | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2022	162
2021	143
2020	1,766
Prior	7,514
Total	9,585
Multifamily
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	4,995
2023	2,562
2022	11,090
2021	5,207
2020	10,435
Prior	3,474
Total	37,763
Total	0
Multifamily | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	4,995
2023	2,562
2022	11,090
2021	5,207
2020	10,435
Prior	3,211
Total	37,500
Multifamily | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
Prior	263
Total	263
Residential construction
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	10,244
2023	30,903
2022	12,090
Total	53,237
Total	0
Residential construction | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	10,244
2023	30,903
2022	12,090
Total	53,237
Commercial construction
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	335
2023	4,441
2022	4,396
Total	9,172
Total	0
Commercial construction | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	335
2023	4,441
2022	4,396
Total	9,172
Land and land development
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	1,538
2023	9,072
2022	4,994
2021	892
2020	313
Prior	869
Total	17,678
Total	0
Land and land development | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	1,538
2023	9,072
2022	4,994
2021	892
2020	313
Prior	869
Total	17,678
Commercial Business
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	39,647
2023	45,660
2022	23,076
2021	10,330
2020	661
Prior	5,265
Total	124,639
2021	32
Prior	2
Total	34
Commercial Business | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	39,647
2023	44,764
2022	22,928
2021	10,286
2020	657
Prior	4,978
Total	123,260
Commercial Business | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2023	896
2022	148
2021	44
2020	4
Prior	287
Total	1,379
SBA commercial business
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	5,754
2023	2,513
2022	678
2021	719
2020	3,889
Prior	4,093
Revolving Loans	696
Total	18,342
2021	5
2020	5
Prior	162
Total	172
SBA commercial business | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	4,919
2023	2,513
2022	678
2021	665
2020	3,700
Prior	2,376
Revolving Loans	696
Total	15,547
SBA commercial business | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	835
2021	54
2020	189
Prior	1,717
Total	2,795
Consumer
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	4,508
2023	3,562
2022	2,854
2021	361
2020	152
Prior	30
Revolving Loans	30,746
Total	42,213
2023	6
2021	1
Revolving Loans	381
Total	388
Consumer | Pass
Loans Amortized Cost Basis by Origination Fiscal Year End
2024	4,508
2023	3,562
2022	2,848
2021	361
2020	152
Prior	30
Revolving Loans	30,627
Total	42,088
Consumer | Substandard
Loans Amortized Cost Basis by Origination Fiscal Year End
2022	6
Revolving Loans	119
Total	$ 125

LOANS AND ALLOWANCE FOR CRED_12

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
Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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 | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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
Residential real estate | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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 | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Commercial real estate | Substandard
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	712
Commercial real estate | Doubtful
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Commercial real estate | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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
Single tenant net lease | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Single tenant net lease | Substandard
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Single tenant net lease | Doubtful
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Single tenant net lease | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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
SBA commercial real estate | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Multifamily
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	34,892
Multifamily | Pass
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	34,574
Multifamily | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Multifamily | Substandard
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	318
Multifamily | Doubtful
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Multifamily | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	24,924
Residential construction | Pass
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	24,924
Residential construction | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Residential construction | Substandard
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Residential construction | Doubtful
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Residential construction | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	14,588
Commercial construction | Pass
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	14,588
Commercial construction | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Commercial construction | Substandard
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Commercial construction | Doubtful
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Commercial construction | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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
Land and land development | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Land and land development | Substandard
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Land and land development | Doubtful
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Land and land development | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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
Commercial Business | Doubtful
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Commercial Business | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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 | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
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
SBA commercial business | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	39,915
Consumer | Pass
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	39,871
Consumer | Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Consumer | Substandard
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	44
Consumer | Doubtful
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	0
Consumer | Loss
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans	$ 0

LOANS AND ALLOWANCE FOR CRED_13

LOANS AND ALLOWANCE FOR CREDIT LOSSES - TDR (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2023 USD ($) item
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Number of Loans | item	1
Pre-Modification Principal Balance	$ 31
Post-Modification Principal Balance	$ 31
Residential real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Number of Loans | item	1
Pre-Modification Principal Balance	$ 31
Post-Modification Principal Balance	$ 31

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES - Key assumptions used to estimate the fair value of the SBA loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total, Unpaid Principal Balance		$ 18,990	$ 16,071
SBA commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total, Unpaid Principal Balance	$ 194,400	$ 209,600	$ 238,900
Maximum | SBA commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Discount rate	25%	25%
Prepayment rate	29.11%	32.85%
Minimum | SBA commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Discount rate	7.57%	10.25%
Prepayment rate	9.67%	8.60%
Weighted Average | SBA commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Discount rate	11.75%	13.79%
Prepayment rate	19.06%	16.91%

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES - Analysis of Sba, Mortgage Servicing Rights, Nonresidential MSRs servicing rights (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Balance, beginning of period	$ 2,950,000
Balance, end of period	2,687,000	$ 2,950,000
Small Business Administration Loans
Balance, beginning of period	2,950,000	3,790,000	$ 4,447,000
Servicing rights capitalized	883,000	768,000	846,000
Amortization	(555,000)	(728,000)	(1,287,000)
Direct write-offs	(646,000)	(999,000)	(43,000)
Change in valuation allowance	55,000	119,000	(173,000)
Balance, end of period	2,687,000	2,950,000	3,790,000
Mortgage Servicing Rights.
Balance, beginning of period	59,768,000	63,263,000	49,579,000
Servicing rights capitalized	509,000	2,354,000	11,161,000
Direct write-offs	(59,464,000)		0
Loan repayments	(672,000)	(4,237,000)	(7,539,000)
Loss on sale of MSR	(4,000)		0
Changes in valuation model inputs or assumptions	(137,000)	(1,612,000)	10,062,000
Balance, end of period		59,768,000	63,263,000
Nonresidential MSR
Balance, beginning of period	101,000	141,000	0
Servicing rights capitalized			160,000
Amortization	(23,000)	(40,000)	(19,000)
Direct write-offs	(11,000)		0
Change in valuation allowance	0	0	0
Balance, end of period	$ 67,000	$ 101,000	$ 141,000

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES - SBA Loan Servicing Rights (Details) - Small Business Administration Loans - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance, beginning of period	$ 60	$ 179	$ 6
Additions (reductions) charged to earnings	591	880	215
Write-downs charged against allowance	(646)	(999)	(42)
Balance, end of period	$ 5	$ 60	$ 179

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES - Analysis of loan servicing fees on SBA loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Net servicing income	$ 1,824	$ 2,114	$ 2,425
Bank Servicing
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Revenue from Contract with Customer, Including Assessed Tax	3	69	93
Banking
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Revenue from Contract with Customer, Including Assessed Tax	$ 1,827	$ 2,183	$ 2,518

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Key assumptions used to estimate the fair value of the Mortgage Servicing Rights, Nonresidential servicing rights (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Loans and Allowance for Loan Losses
Total, Unpaid Principal Balance		$ 18,990,000	$ 16,071,000
Mortgage servicing rights
Loans and Allowance for Loan Losses
Total, Unpaid Principal Balance	$ 0	4,770,000,000
Revenue from Contract with Customer, Including Assessed Tax	1,500,000	9,500,000	9,000,000
Escrow balances maintained with foregoing loan servicing and other liabilities		47,900,000
Nonresidential MSR
Loans and Allowance for Loan Losses
Total, Unpaid Principal Balance	35,000,000	40,400,000
Revenue from Contract with Customer, Including Assessed Tax	$ 8,000	$ 93,000	$ 92,000
Maximum | Mortgage servicing rights
Loans and Allowance for Loan Losses
Discount rate		14.50%
Prepayment rate		85.82%
Minimum | Mortgage servicing rights
Loans and Allowance for Loan Losses
Discount rate		9.44%
Prepayment rate		5%
Weighted Average | Mortgage servicing rights
Loans and Allowance for Loan Losses
Discount rate		9.51%
Weighted Average | Nonresidential MSR
Loans and Allowance for Loan Losses
Prepayment rate		6.82%

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES - Additional Information (Details) - USD ($)	3 Months Ended				12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Interest income related to nonaccrual loans					$ 0
Amount of new and modification FDMs					0
Financing receivable allowance for credit losses, Write-downs						$ 1,247,000	$ 1,097,000
Impaired financing receivable, Unpaid principal balance						18,990,000	16,071,000
Provision for Loan and Lease Losses	$ 1,460,000	$ 743,000	$ 477,000	$ 412,000	3,092,000	2,612,000	1,908,000
Loans and leases receivable impaired commitment to lend						0
Net servicing income					1,824,000	2,114,000	2,425,000
Other Real Estate	0				0	0
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable allowance for credit losses, Write-downs						0
Impaired financing receivable, Unpaid principal balance						944,000	982,000
Residential real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable allowance for credit losses, Write-downs						71,000	23,000
Impaired financing receivable, Unpaid principal balance						3,467,000	2,524,000
Commercial Business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable allowance for credit losses, Write-downs						0	91,000
Impaired financing receivable, Unpaid principal balance						2,137,000	1,189,000
Bank Servicing
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Revenue from Contract with Customer					3,000	69,000	93,000
Banking
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Revenue from Contract with Customer					1,827,000	2,183,000	2,518,000
SBA Lending
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Provision for Loan and Lease Losses					669,000
SBA commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Impaired financing receivable, Unpaid principal balance	194,400,000				194,400,000	209,600,000	238,900,000
TDR
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivable allowance for credit losses, Write-downs						6,000	0
Provision for Loan and Lease Losses						122,000	161,000
Mortgage servicing rights
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Impaired financing receivable, Unpaid principal balance	0				0	4,770,000,000
Escrow balances maintained with foregoing loan servicing and other liabilities						47,900,000
Revenue from Contract with Customer					1,500,000	9,500,000	9,000,000
Nonresidential MSR
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Impaired financing receivable, Unpaid principal balance	$ 35,000,000				35,000,000	40,400,000
Revenue from Contract with Customer					$ 8,000	$ 93,000	$ 92,000

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2021
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	$ 41,940	$ 41,891
Less: accumulated depreciation	(15,478)	(14,030)
Property, Plant and Equipment, Net, Total	26,462	27,861
Property, Plant and Equipment
PREMISES AND EQUIPMENT
Depreciation expense	2,049	2,108	$ 2,125
Land and land improvements
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	5,655	5,375
Office buildings
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	25,425	25,337
Leasehold improvements
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	66	66
Furniture, fixtures and equipment
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	9,883	10,442
Construction in Progress
PREMISES AND EQUIPMENT
Property, Plant and Equipment, Gross	$ 911	$ 671

PREMISES AND EQUIPMENT - Additi

PREMISES AND EQUIPMENT - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
PREMISES AND EQUIPMENT
Noninterest income	$ 2,842	$ 3,196	$ 3,710	$ 2,782	$ 5,442	$ 7,196	$ 7,516	$ 5,188	$ 4,531	$ 10,033	$ 20,072	$ 16,591	$ 12,530	$ 25,342	$ 51,227

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
OTHER REAL ESTATE OWNED
Balance as of October 1	$ 677	$ 203	$ 1,728
Transfers from loans to other real estate owned		474
Transfers from OREO to premises and equipment			(721)
Sales	(30)		(804)
Balance as of September 30	$ 647	$ 677	$ 203

OTHER REAL ESTATE OWNED - Net (

OTHER REAL ESTATE OWNED - Net (gain) loss on OREO (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
OTHER REAL ESTATE OWNED
Net loss on other real estate owned	$ (5)		$ 115
Operating expenses, net of rental income	17	$ 4
Net (gain) loss on OREO	$ 12	$ 4	$ 115

OTHER REAL ESTATE OWNED - Addit

OTHER REAL ESTATE OWNED - Additional Information (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
Other real estate	$ 0	$ 0
Residential real estate
Real estate acquired through foreclosure	$ 853,000	$ 539,000

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLES - Changes in the carrying amount of goodwill - (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
GOODWILL AND OTHER INTANGIBLES
Beginning balance	$ 9,848	$ 9,848	$ 9,848
Impairment	0	0	0
Ending balance	$ 9,848	$ 9,848	$ 9,848

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLES - Summary of other intangible assets (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Goodwill and intangible assets
Less accumulated amortization	$ (4,396)	$ (4,233)
Ending balance	398	561
Core deposit intangible acquired in Community First acquisition
Goodwill and intangible assets
Core deposit intangible acquired	2,741	2,741
Core deposit intangible acquired in First Federal branch acquisition
Goodwill and intangible assets
Core deposit intangible acquired	566	566
Core deposit intangible acquired in Dearmin/FNBO acquisition
Goodwill and intangible assets
Core deposit intangible acquired	$ 1,487	$ 1,487

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLES - Schedule of intangible assets amortization expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
GOODWILL AND OTHER INTANGIBLES
Amortization expense	$ 163	$ 214	$ 214

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLES - Estimated amortization expense for the core deposit intangibles (Details) $ in Thousands	Sep. 30, 2024 USD ($)
GOODWILL AND OTHER INTANGIBLES
2025	$ 163
2026	163
2027	72
Total	$ 398

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
GOODWILL AND OTHER INTANGIBLES
Impairment of goodwill	$ 0	$ 0	$ 0

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
DEPOSITS
Noninterest-bearing demand deposits	$ 191,528	$ 242,237
NOW accounts	332,388	336,446
Money market accounts	393,214	323,739
Savings accounts	150,913	170,073
Retail time deposits	303,681	170,980
Brokered & reciprocal time deposits	509,157	438,319
Total deposits	$ 1,880,881	$ 1,681,794

DEPOSITS - Scheduled maturities

DEPOSITS - Scheduled maturities of certificates of deposit (Details) $ in Thousands	Sep. 30, 2024 USD ($)
DEPOSITS
2025	$ 780,599
2026	18,806
2027	4,820
2028	3,094
2029	5,519
Total	$ 812,838

DEPOSITS - Additional informati

DEPOSITS - Additional information (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
DEPOSITS
FDIC	$ 250,000
Time deposits, at or above FDIC insurance limit	133,200,000	$ 57,800,000
Bank held deposits for related parties	$ 6,700,000	$ 5,300,000

FEDERAL FUNDS PURCHASED (Detail

FEDERAL FUNDS PURCHASED (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Line of credit facility one
FEDERAL FUNDS PURCHASED
Federal funds purchased	$ 0	$ 0
Percentage of Bank's equity capital	25%
Line of credit expiry date	Jun. 30, 2025
Line of credit facility one | Maximum
FEDERAL FUNDS PURCHASED
Federal funds purchased	$ 20
Line of credit facility two
FEDERAL FUNDS PURCHASED
Federal funds purchased	0	0
Line of credit facility two | Maximum
FEDERAL FUNDS PURCHASED
Federal funds purchased	22
Line of credit facility three
FEDERAL FUNDS PURCHASED
Federal funds purchased	0	0
Line of credit facility three | Maximum
FEDERAL FUNDS PURCHASED
Federal funds purchased	15
Line of credit facility four
FEDERAL FUNDS PURCHASED
Federal funds purchased	$ 0	$ 0
Percentage of Bank's equity capital	50%
Line of credit facility four | Maximum
FEDERAL FUNDS PURCHASED
Federal funds purchased	$ 5

BORROWINGS FROM FEDERAL HOME _3

BORROWINGS FROM FEDERAL HOME LOAN BANK - Borrowings from the FHLB (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
BORROWINGS FROM FEDERAL HOME LOAN BANK
2024 Weighted Average Rate		5.51%
2025 Weighted Average Rate	4.74%	1.51%
2026 Weighted Average Rate	1.13%	1.13%
2029 and beyond Weighted Average Rate	2.88%	2.63%
2024 Amount		$ 40,000
2025 Amount	$ 60,000	10,000
2026 Amount	20,000	20,000
2029 and beyond Amount	215,000	285,000
Total advances	$ 295,000	$ 355,000
Line of credit balance Weighted Average Rate	5.68%	5.66%
Line of credit balance Amount	$ 6,640	$ 8,183
Borrowings from FHLB	$ 301,640	$ 363,183

BORROWINGS FROM FEDERAL HOME _4

BORROWINGS FROM FEDERAL HOME LOAN BANK - Additional Information (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Jan. 21, 2022	Jun. 19, 2014
BORROWINGS FROM FEDERAL HOME LOAN BANK
Debt securities available for sale, Fair Value	$ 248,679,000	$ 227,739,000
Borrowings from FHLB	301,640,000	$ 363,183,000
Federal Home Loan Bank Advances
BORROWINGS FROM FEDERAL HOME LOAN BANK
Debt securities available for sale, Fair Value	$ 116,900,000
Debt securities, available-for-sale, pledged status extensible enumeration	us-gaap:AssetPledgedAsCollateralMember
Letter of credit
BORROWINGS FROM FEDERAL HOME LOAN BANK
Maximum amount available under the letter of credit	$ 1,300,000
Outstanding balance line of credit	0
Letter of credit | Securities investment
BORROWINGS FROM FEDERAL HOME LOAN BANK
Borrowings from FHLB				$ 3,300,000
Overdraft line of credit agreement | Securities investment
BORROWINGS FROM FEDERAL HOME LOAN BANK
Maximum amount available under the letter of credit			$ 25,000,000
Outstanding balance line of credit	6,600,000
Residential mortgage loans | Overdraft Line of Credit Agreement
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	192,900,000
Commercial real estate | Commercial real estate
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	808,600,000
Home equity | Secured debt
BORROWINGS FROM FEDERAL HOME LOAN BANK
Carrying value of loan	$ 411,000,000

OTHER BORROWINGS - Additional I

OTHER BORROWINGS - Additional Information (Details) - USD ($)				12 Months Ended
	Oct. 01, 2023	Mar. 18, 2022	Sep. 20, 2018	Sep. 30, 2024	Sep. 30, 2023
OTHER BORROWINGS
Repurchase of subordinated debt					$ 1,340,000
Gain from repurchase of subordinated debt					660,000
Subordinated debt one
OTHER BORROWINGS
Principal amount			$ 20,000,000
Fixed interest rate			6.02%
Spread on variable rate	3.10%
Amortization period			5 years
Percentage of remaining debt				20%
Principal due				$ 20,000,000
Subordinated debt two
OTHER BORROWINGS
Principal amount		$ 31,000,000
Fixed interest rate		4.50%
Spread on variable rate		2.76%
Unamortized debt issuance costs				397,000	556,000
Amortization period		5 years
Repurchase of subordinated debt					2,000,000
Gain from repurchase of subordinated debt					$ 660,000
Principal due				$ 29,000,000

DEFERRED COMPENSATION PLANS - D

DEFERRED COMPENSATION PLANS - Deferred directors' fees expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Director
DEFERRED COMPENSATION PLANS
Deferred directors' fee expense	$ 229	$ 241	$ 202

DEFERRED COMPENSATION PLANS - A

DEFERRED COMPENSATION PLANS - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
DEFERRED COMPENSATION PLANS
Description of deferred compensation arrangement with individual	The Company accrues interest on the deferred obligation at an annual rate equal to the prime rate for the immediately preceding calendar quarter plus 2%, but in no event at a rate in excess of 8%
Agreement term	10 years
Director
DEFERRED COMPENSATION PLANS
Accrued benefits	$ 1.7	$ 1.6

BENEFIT PLANS - Defined contrib

BENEFIT PLANS - Defined contribution plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
BENEFIT PLANS
Company contributions to the plan	$ 1,016	$ 1,216	$ 1,366

BENEFIT PLANS - Additional Info

BENEFIT PLANS - Additional Information (Details)			12 Months Ended
	Sep. 15, 2021	Oct. 06, 2008 $ / shares shares	Sep. 30, 2024 USD ($) shares	Sep. 30, 2023 USD ($) shares	Sep. 30, 2022 USD ($)
BENEFIT PLANS
Total ESOP shares | shares		610,089	262,176	293,695
Employee stock ownership plan (per share) | $ / shares		$ 3.33
Stock split ratio	0.33
Compensation expense			$ 0	$ 0	$ 0
Aggregate fair value of shares allocated to ESOP participants			$ 6,200,000	$ 4,300,000

STOCK-BASED COMPENSATION PLAN_2

STOCK-BASED COMPENSATION PLANS (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
STOCK-BASED COMPENSATION PLANS
Stock option expense	$ 309	$ 302	$ 296
Restricted stock expense	$ 390	$ 396	$ 391

STOCK-BASED COMPENSATION PLAN_3

STOCK-BASED COMPENSATION PLANS - Fair value of options granted (Details) - Employee Stock Option - $ / shares	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Expected dividend yield	3.74%	2.93%	2.32%
Risk-free interest rate	4.44%	3.94%	1.55%
Expected volatility	28.40%	27.70%	27%
Expected life of options	6 years 10 months 24 days	6 years 9 months 18 days	7 years 1 month 6 days
Weighted average fair value at grant date	$ 3.55	$ 5.71	$ 7.03

STOCK-BASED COMPENSATION PLAN_4

STOCK-BASED COMPENSATION PLANS - Stock option activity (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Number of Shares
Outstanding at beginning of year	408,669
Granted	62,983
Exercised	(6,405)	(1,200)	(2,955)
Forfeited or expired	(5,700)
Outstanding at end of year	459,547	408,669
Vested and expected to vest	459,547
Exercisable at end of year	264,684
Weighted Average Exercise Price
Outstanding at beginning of year	$ 20.79
Granted	15.1
Exercised	17.16
Forfeited or expired	18.17
Outstanding at end of year	20.09	$ 20.79
Vested and expected to vest	20.09
Exercisable at end of year	$ 19.04
Weighted Average Remaining Contractual Term (Years)
Outstanding at end of period	4 years 7 months 6 days
Vested and expected to vest	4 years 7 months 6 days
Exercisable at end of period	4 years 3 months 18 days
Aggregate Intrinsic Value
Outstanding at end of period	$ 1,538,000
Vested and expected to vest	1,538,000
Exercisable at end of period	$ 1,438,000

STOCK-BASED COMPENSATION PLAN_5

STOCK-BASED COMPENSATION PLANS - Non vested Restricted Shares (Details) - Restricted stock - $ / shares	1 Months Ended	12 Months Ended
	Nov. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Number of Shares
Nonvested, Beginning Balance		54,916
Granted	19,475	19,475
Vested		(16,158)	(16,408)	(12,225)
Forfeited		(800)
Nonvested, Ending Balance		57,433	54,916
Weighted Average Grant Date Fair Value
Nonvested, Beginning Balance		$ 24.73
Granted		15.1
Vested		24.23
Forfeited		22.49
Nonvested, Ending Balance		$ 21.64	$ 24.73

STOCK-BASED COMPENSATION PLAN_6

STOCK-BASED COMPENSATION PLANS - Additional Information (Details) - USD ($)	1 Months Ended	12 Months Ended
	Nov. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Number of equity incentive plans		3
Terms of award		ten years
Proceeds from exercise of stock options		$ 94,000	$ 16,000
Compensation expense		$ 0	0	$ 0
Equity Incentive Plan 2016
Aggregated number of shares in stock options		264,000
Common stock available under incentive plan		4,560
2021 Plan
Aggregate number of shares of the Company's common stock available for issuance		356,058
Common stock available under incentive plan		17,100
2021 Plan | Minimum
Vesting period	1 year
2021 Plan | Maximum
Vesting period	5 years
Equity Incentive Plan 2010
Common stock available under incentive plan		0
Restricted stock
Number of restricted shares granted	19,475	19,475
Unrecognized compensation expenses related to nonvested stock options		$ 901,000
weighted average period of compensation expense (in years)		2 years 10 months 24 days
Fair value of restricted shares		$ 244,000	$ 369,000	$ 327,000
Restricted shares vested		16,158	16,408	12,225
Restricted stock | Minimum
Vesting period		1 year
Restricted stock | Maximum
Vesting period		5 years
Restricted stock | Equity Incentive Plan 2016
Aggregated number of shares in stock options		66,000
Common stock available under incentive plan		1,500
Restricted stock | 2021 Plan
Number of restricted shares granted		89,015
Common stock available under incentive plan		4,590
Employee Stock Option
Number of stock options granted	62,983
Vesting period		2 years 10 months 13 days
Terms of award		ten years
Incentive stock options granted		$ 100,000
Intrinsic value of stock options exercised		18,000	$ 5,000	$ 31,000,000,000
Unrecognized compensation expenses related to nonvested stock options		709,000
Proceeds from exercise of stock options		94,000	16,000	0
Tax benefit from the exercise of stock options		$ 4,000	$ 1,000	$ 8,000
Employee Stock Option | Minimum
Vesting period		1 year
Employee Stock Option | Maximum
Vesting period		5 years
Employee Stock Option | Equity Incentive Plan 2016
Aggregated number of shares in stock options		198,000
Common stock available under incentive plan		3,060
Employee Stock Option | 2021 Plan
Number of stock options granted		267,043
Common stock available under incentive plan		12,510

INCOME TAXES - Consolidated Inc

INCOME TAXES - Consolidated Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
INCOME TAXES
Current													$ 17,073	$ 726	$ 256
Valuation allowance													86	109	(78)
Deferred													(16,141)	(825)	1,745
Income tax expense	$ 145	$ 483	$ 866	$ (476)	$ (737)	$ 331	$ 333	$ 83	$ (446)	$ (61)	$ 1,619	$ 811	$ 1,018	$ 10	$ 1,923

INCOME TAXES - Reconciliation O

INCOME TAXES - Reconciliation Of Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
INCOME TAXES
Provision at federal statutory rate													$ 3,068	$ 1,718	$ 3,635
State income tax-net of federal tax benefit													118	119	160
Tax-exempt interest income													(1,459)	(1,684)	(1,314)
Bank owned life insurance													(289)	(227)	(209)
Captive insurance net premiums														83	(375)
Increase (decrease) in federal deferred tax valuation allowance													86	109	(78)
Nondeductible expenses													107	179	99
Tax credits													(536)	(352)
Other													(77)	65	5
Income tax expense	$ 145	$ 483	$ 866	$ (476)	$ (737)	$ 331	$ 333	$ 83	$ (446)	$ (61)	$ 1,619	$ 811	$ 1,018	$ 10	$ 1,923

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets And Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Deferred tax assets:
Allowance for loan losses	$ 5,191	$ 4,150
Allowance for credit losses - unfunded commitments	370
Operating lease liability	1,007	1,068
Deferred compensation plans	398	386
Equity incentive plans	135	127
Other-than-temporary impairment loss on available for sale securities	12	15
Interest on nonaccrual loans	382	253
Loss on tax credit investments	314	244
Unrealized loss on securities available for sale	2,982	7,882
Tax credit carryforwards		2,407
Capital loss carryforwards	1,765	1,679
Historic tax credit carryforward	2,300
Mark to market adjustments	587	350
Accrued expenses	493	1,025
Other	825	952
Gross deferred tax assets	14,461	20,538
Valuation allowance	(1,765)	(1,679)
Net deferred tax assets	12,696	18,859
Deferred tax liabilities:
Accumulated depreciation	(2,052)	(2,269)
Operating lease right of use asset	(957)	(1,027)
Installment sale	(331)	(349)
Acquisition purchase accounting adjustments	(1,039)	(1,173)
Servicing assets	(101)	(14,775)
FHLB stock dividends	(72)	(72)
Prepaid expenses	(248)	(419)
Deferred loan fees and costs, net	(285)	(215)
Other	(177)	(274)
Deferred tax liabilities	(5,262)	(20,573)
Net deferred tax liability	$ 7,434	$ (1,714)

INCOME TAXES - Unfunded contrib

INCOME TAXES - Unfunded contribution obligations (Details) $ in Thousands	Sep. 30, 2024 USD ($)
INCOME TAXES
2025	$ 3,292
2026	1,457
2027	3,858
2028	173
2029	173
Thereafter	673
Total	$ 9,626

INCOME TAXES - Additional Infor

INCOME TAXES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Federal statutory rate (in percent)	21%	21%	21%
Federal net operating loss carryforward not subject to expiration		$ 2,400,000
Deferred tax asses, valuation allowance	$ 1,765,000	1,679,000
Unrecognized income tax benefit	0	0
Retained earnings	4,600,000	4,600,000
Unrecorded deferred income tax liability	957,000	957,000
Deferred tax assets carryforwards	2,300,000
Investments in tax credit partnership, net of amortization	$ 12,100,000	$ 12,300,000
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Income tax credits and other income tax benefits	$ 131,000	$ 0	$ 0
Investment amortization expense	$ 105,000	$ 0	$ 0
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income Tax Expense (Benefit)
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Cash Flows [Extensible Enumeration]	Net Income (Loss), Including Portion Attributable to Noncontrolling Interest
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income Tax Expense (Benefit)
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]	Net Income (Loss), Including Portion Attributable to Noncontrolling Interest
State
Deferred tax assets carryforwards	$ 60,000

LEASES (Details)

LEASES (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
LEASES
Operating lease ,existence of option to extend	true
ROU asset	$ 3,900,000	$ 4,200,000
Location of ROU asset	Other assets	Other assets
Lease liability	$ 4,133,000	$ 4,400,000
Location of lease liability	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Lease expense	$ 463,000	$ 825,000,000,000	$ 1,100,000
Minimum
LEASES
Renewal term	1 year
Noncancelable operating leases terms	5 years
Maximum
LEASES
Renewal term	20 years
Noncancelable operating leases terms	11 years

LEASES - Components of lease ex

LEASES - Components of lease expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
LEASES
Operating lease cost	$ 353	$ 552	$ 621
Short-term lease cost	110	273	501
Total operating lease cost	$ 463	$ 825	$ 1,122

LEASES - Future minimum commitm

LEASES - Future minimum commitments due under these lease agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
LEASES
2025	$ 291
2026	249
2027	211
2028	212
2029	220
Thereafter	4,559
Total lease payments	5,742
Less imputed interest	(1,609)
Total	$ 4,133	$ 4,400

LEASES - Lease term, discount r

LEASES - Lease term, discount rate and supplemental cash flow information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
LEASES
Weighted-average remaining lease term (years)	22 years 6 months	23 years
Weighted-average discount rate	2.96%	2.97%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 314	$ 512	$ 607
ROU assets obtained in exchange for lease obligations:
Operating leases		$ 188	$ 275

LEASES - Lessor future minimum

LEASES - Lessor future minimum lease payments (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Lessor
2025	$ 354
2026	8
2027	8
2028	5
Total	$ 375

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	$ 325,797	$ 354,254
Fixed rate
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	8,331	15,220
Adjustable rate
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	33,941	54,157
Guarantees of third-party revolving credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	290	290
Undisbursed portion of home equity lines of credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	187,978	147,398
Undisbursed portion of commercial and personal lines of credit
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	70,173	64,330
Undisbursed portion of construction loans in process
COMMITMENTS AND CONTINGENCIES
Total commitments to extend credit	$ 25,084	$ 72,859

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
COMMITMENTS AND CONTINGENCIES
Letters of credit	$ 1,800,000	$ 1,900,000
Amount of loss contingency	0	0
Fixed rate
COMMITMENTS AND CONTINGENCIES
Reserve for loan repurchases or indemnifications	294,000	676,000
Provisions for loan repurchases or indemnifications	$ 62,000	$ 704,000	$ 672,000

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Sep. 30, 2022
Derivative Financial Instruments
Notional Amount			$ 133,040
Asset Derivatives			923
Liability Derivatives			$ 196
Derivative Asset, Statement of Financial Position [Extensible Enumeration]			Other Assets	Other Assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]			Accrued Liabilities and Other Liabilities	Accrued Liabilities and Other Liabilities
Interest rate lock commitments
Derivative Financial Instruments
Notional Amount	$ 0	$ 0	$ 67,040
Asset Derivatives			452
Liability Derivatives			184
Forward mortgage loan sale contracts
Derivative Financial Instruments
Notional Amount	$ 0	$ 0	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	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 86	$ 1,858	$ 18,593
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing
Interest rate lock commitments
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ (268)	$ 505	$ (1,805)
Forward mortgage loan sale contracts
Derivative Financial Instruments
Income (loss) related to derivative financial instruments	$ 354	$ 1,353	$ 20,398

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Additional Information (Details) $ in Millions	Sep. 30, 2024 USD ($)
DERIVATIVE FINANCIAL INSTRUMENTS
Cash collateral derivative counterparty obligations	$ 1.5

FAIR VALUE MEASUREMENTS - Balan

FAIR VALUE MEASUREMENTS - Balances of financial assets and liabilities measured at fair value on a recurring and nonrecurring basis (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	$ 248,679,000	$ 227,739,000
Residential mortgage loans held for sale - fair value option elected	0	24,692,000
Derivative assets (included in other assets)		$ 923,000
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other Assets	Other Assets
Residential mortgage servicing rights	0	$ 59,768,000
Derivative liabilities (included in other liabilities)		196,000
SBA loan servicing rights	2,687,000	2,950,000
Agency mortgage-backed
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	26,276,000	24,268,000
Agency CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	14,926,000	12,742,000
Privately-issued CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	260,000	396,000
Privately-issued ABS
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	313,000	443,000
SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	11,926,000	10,745,000
Municipal bonds
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	165,687,000	151,484,000
Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	1,880,000	1,712,000
Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	248,679,000	227,739,000
Derivative assets (included in other assets)		923,000
Equity securities (included in other assets)	650,000	160,000
Residential mortgage servicing rights		59,768,000
Derivative liabilities (included in other liabilities)		196,000
SBA loan servicing rights	2,687,000
Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Residential mortgage loans held for sale - fair value option elected		24,692,000
Fair Value, Measurements, Recurring | U.S. Treasury notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	27,411,000	25,949,000
Fair Value, Measurements, Recurring | Agency mortgage-backed
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	26,276,000	24,268,000
Fair Value, Measurements, Recurring | Agency CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	14,926,000	12,742,000
Fair Value, Measurements, Recurring | Privately-issued CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	260,000	396,000
Fair Value, Measurements, Recurring | Privately-issued ABS
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	313,000	443,000
Fair Value, Measurements, Recurring | SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	11,926,000	10,745,000
Fair Value, Measurements, Recurring | Municipal bonds
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	165,687,000	151,484,000
Fair Value, Measurements, Recurring | Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	1,880,000	1,712,000
Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	4,938,000	1,508,000
Fair Value, Measurements, Nonrecurring | Residential real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	1,100,000	306,000
Fair Value, Measurements, Nonrecurring | Commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	120,000	965,000
Fair Value, Measurements, Nonrecurring | SBA commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	1,763,000
Fair Value, Measurements, Nonrecurring | Commercial Business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	768,000
Fair Value, Measurements, Nonrecurring | SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	1,183,000	237,000
Fair Value, Measurements, Nonrecurring | Consumer
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	4,000
Fair Value, Measurements, Nonrecurring | SBA loan servicing rights
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		2,950,000
Level 1 | Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	27,411,000	25,949,000
Equity securities (included in other assets)	194,000	160,000
Level 1 | Fair Value, Measurements, Recurring | U.S. Treasury notes
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	27,411,000	25,949,000
Level 2 | Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	219,040,000	201,330,000
Derivative assets (included in other assets)		471,000
Equity securities (included in other assets)	456,000
Derivative liabilities (included in other liabilities)		12,000
Level 2 | Fair Value, Measurements, Recurring | Residential mortgage loans held for sale - fair value option elected
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Residential mortgage loans held for sale - fair value option elected		24,692,000
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, Fair Value	26,276,000	24,268,000
Level 2 | Fair Value, Measurements, Recurring | Agency CMO
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	14,926,000	12,742,000
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, Fair Value	20,000	46,000
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, Fair Value	235,000	364,000
Level 2 | Fair Value, Measurements, Recurring | SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	11,896,000	10,714,000
Level 2 | Fair Value, Measurements, Recurring | Municipal bonds
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	165,687,000	151,484,000
Level 2 | Fair Value, Measurements, Recurring | Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value		1,712,000
Level 3 | Fair Value, Measurements, Recurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	2,228,000	460,000
Derivative assets (included in other assets)		452,000
Residential mortgage servicing rights		59,768,000
Derivative liabilities (included in other liabilities)		184,000
SBA loan servicing rights	2,687,000
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, Fair Value	240,000	350,000
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, Fair Value	78,000	79,000
Level 3 | Fair Value, Measurements, Recurring | SBA certificates
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	30,000	31,000
Level 3 | Fair Value, Measurements, Recurring | Other
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Debt securities available for sale, Fair Value	1,880,000
Level 3 | Fair Value, Measurements, Nonrecurring
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	4,938,000	1,508,000
Level 3 | Fair Value, Measurements, Nonrecurring | Residential real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	1,100,000	306,000
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial real estate
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	120,000	965,000
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	1,763,000
Level 3 | Fair Value, Measurements, Nonrecurring | Commercial Business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	768,000
Level 3 | Fair Value, Measurements, Nonrecurring | SBA commercial business
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	1,183,000	237,000
Level 3 | Fair Value, Measurements, Nonrecurring | Consumer
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total collateral dependent loans	$ 4,000
Level 3 | Fair Value, Measurements, Nonrecurring | SBA loan servicing rights
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights		$ 2,950,000

FAIR VALUE MEASUREMENTS - Recon

FAIR VALUE MEASUREMENTS - Reconciliation of derivative assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
FAIR VALUE MEASUREMENTS
Beginning balance	$ 268	$ (238)	$ 1,567
Unrealized gains (losses) recognized in earnings, net of settlements	(268)	506	(1,805)
Ending balance	$ 0	$ 268	$ (238)

FAIR VALUE MEASUREMENTS - Signi

FAIR VALUE MEASUREMENTS - Significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a recurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Notional Amount			$ 133,040
Interest rate lock commitments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Notional Amount	$ 0	$ 0	$ 67,040
Pull-through rate | Minimum | Interest rate lock commitments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate			54%
Pull-through rate | Maximum | Interest rate lock commitments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate			95%
Pull-through rate | Weighted Average | Interest rate lock commitments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate			81%
Direct costs to close | Minimum | Interest rate lock commitments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate			0%
Direct costs to close | Maximum | Interest rate lock commitments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate			5%
Direct costs to close | Weighted Average | Interest rate lock commitments
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Fixed interest rate			0.62%

FAIR VALUE MEASUREMENTS - Fair

FAIR VALUE MEASUREMENTS - 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)	Sep. 30, 2024	Sep. 30, 2023
Estimated market rate | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	0	0.10
Estimated market rate | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	1	0.50
Estimated market rate | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	0.1842	0.1422
Estimated costs to sell | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	0.06	0.06
Estimated costs to sell | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	0.06	0.06
Estimated costs to sell | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Collateral dependent loans	0.06	0.06

FAIR VALUE MEASUREMENTS - Provi

FAIR VALUE MEASUREMENTS - Provisions for loan losses recognized for impaired loans (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Provision for credit loan losses recognized	$ 1,808	$ 501	$ 713	$ 470	$ 815	$ 441	$ 372	$ 984	$ 880	$ 532	$ (30)	$ 526	$ 3,492	$ 2,612	$ 1,908
Impaired Loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Provision for credit loan losses recognized													$ 1,322	$ 256		$ 2,421

FAIR VALUE MEASUREMENTS - avail

FAIR VALUE MEASUREMENTS - available for sale investment securities (Details) - Level 3	Sep. 30, 2024	Sep. 30, 2023
SBA loan servicing rights | Estimated market rate | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights	0.0757	0.1025
SBA loan servicing rights | Estimated market rate | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights	0.25	0.25
SBA loan servicing rights | Estimated market rate | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights	0.1175	0.1379
SBA loan servicing rights | Prepayment speed | Minimum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights	0.0967	0.086
SBA loan servicing rights | Prepayment speed | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights	0.2911	0.3285
SBA loan servicing rights | Prepayment speed | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
SBA loan servicing rights	0.1906	0.1691
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 | Weighted Average
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment security	9.15
Other investment security | Prepayment speed | Maximum
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Investment security	10

FAIR VALUE MEASUREMENTS - Rec_2

FAIR VALUE MEASUREMENTS - 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 $ in Thousands	12 Months Ended
	Sep. 30, 2024 USD ($)
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Beginning balance	$ 460
Transfers from Level 2 to Level 3	1,200
Change in value	568
Ending balance	$ 2,228

FAIR VALUE MEASUREMENTS - Sched

FAIR VALUE MEASUREMENTS - Schedule of Impairment Charges to Write Down Loan Servicing Rights at Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2021
FAIR VALUE MEASUREMENTS
Charges to write down SBA loan servicing rights	$ 591	$ 882	$ 216

FAIR VALUE MEASUREMENTS - Summa

FAIR VALUE MEASUREMENTS - Summary of Aggregate Fair Value and the Aggregate Remaining Principal Balance for Residential Mortgage Loans Held for Sale (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
FAIR VALUE MEASUREMENTS
Residential mortgage loans held for sale Aggregate Fair Value	$ 0	$ 24,692,000
Residential mortgage loans held for sale Aggregate Principal Balance		24,382,000
Residential mortgage loans held for sale Difference		$ 309,000

FAIR VALUE MEASUREMENTS - Sum_2

FAIR VALUE MEASUREMENTS - Summary of Gains and Losses and Interest Included in Earnings Related to Financial Assets Measured at Fair Value Under the Fair Value Options (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Total gains and interest included in earnings	$ 376	$ 2,738	$ 3,604
Interest income
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Interest income	473	2,256	3,989
Mortgage Banking
Fair Value Measurements and Disclosures about Fair Value of Financial Instruments
Gains (losses) - included in mortgage banking income	$ (97)	$ 482	$ (385)

FAIR VALUE MEASUREMENTS - Carry

FAIR VALUE MEASUREMENTS - Carrying Value And Estimated Fair Value Of Financial Instruments (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023
Financial assets:
Fair Value	$ 1,052,000	$ 1,303,000
Residential mortgage loans held for sale - fair value option elected	0	24,692,000
Derivative assets (included in other assets)		923,000
Financial liabilities:
Derivative liabilities (included in other liabilities)		196,000
Carrying Amount
Financial assets:
Cash and due from banks	39,393,000	18,014,000
Interest-bearing deposits with banks	12,749,000	12,831,000
Interest-bearing time deposits	490,000	490,000
Fair Value	1,040,000	1,300,000
SBA loans held for sale	25,716,000	21,163,000
Loans, net	1,963,852,000	1,770,243,000
FRB and FHLB stock	24,986,000	24,939,000
Accrued interest receivable	11,376,000	10,161,000
Nonresidential mortgage loan servicing rights	67,000	101,000
Financial liabilities:
Noninterest-bearing deposits	191,528,000	242,237,000
Interest-bearing deposits	1,689,353,000	1,439,557,000
Borrowings from FHLB	301,640,000	363,183,000
Subordinated notes	48,603,000	48,444,000
Accrued interest payable	13,384,000	8,926,000
Advance payments by borrowers for taxes and insurance	931,000	1,027,000
Level 1 | Estimate of fair value measurement
Financial assets:
Cash and due from banks	39,393,000	18,014,000
Interest-bearing deposits with banks	12,749,000	12,831,000
Interest-bearing time deposits	0	0
Fair Value	0	0
SBA loans held for sale	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Nonresidential mortgage loan servicing rights	0	0
Financial liabilities:
Noninterest-bearing deposits	191,528,000	242,237,000
Interest-bearing deposits	0	0
Borrowings from FHLB	0	0
Subordinated notes	0	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	0	0
Level 2 | Estimate of fair value measurement
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	490,000	490,000
Fair Value	29,000	38,000
SBA loans held for sale	28,375,000	22,591,000
Loans, net	0	0
Accrued interest receivable	11,376,000	10,161,000
Nonresidential mortgage loan servicing rights	0	0
Financial liabilities:
Noninterest-bearing deposits	0	0
Interest-bearing deposits	0	0
Borrowings from FHLB	299,259,000	356,257,000
Subordinated notes	47,760,000	46,940,000
Accrued interest payable	13,384,000	8,926,000
Advance payments by borrowers for taxes and insurance	931,000	1,027,000
Level 3 | Estimate of fair value measurement
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits with banks	0	0
Interest-bearing time deposits	0	0
Fair Value	1,023,000	1,265,000
SBA loans held for sale	0	0
Loans, net	1,892,241,000	1,651,115,000
Accrued interest receivable	0	0
Nonresidential mortgage loan servicing rights	67,000	101,000
Financial liabilities:
Noninterest-bearing deposits	0	0
Interest-bearing deposits	1,688,980,000	1,435,083,000
Borrowings from FHLB	0	0
Subordinated notes	0	0
Accrued interest payable	0	0
Advance payments by borrowers for taxes and insurance	$ 0	$ 0

FAIR VALUE MEASUREMENTS - Addit

FAIR VALUE MEASUREMENTS - Additional information (Details)	12 Months Ended			24 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($) item	Sep. 30, 2022 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2021 USD ($)
Unrealized gains (Losses) recognized in earnings	$ 0	$ 268,000	$ 238,000
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing
Derivative assets and liabilities held at the balance sheet date	$ 0	$ 268,000	$ (238,000)	$ 0	$ 1,567,000
Impairment charges on nonresidential mortgage loan servicing rights	0	0	$ 0
Liabilities transferred into or out of the Level3				0
Assets transfers Level 1 to 2	0	0
Residential mortgage loans held for sale - fair value option elected	0	$ 24,692,000		$ 0
Number of loans were 90 days or more past due | item		0
Securities available for sale
Investment securities transferred into or out of the Level3	0	$ 0
other than available for sale securities.
Investment securities transferred into or out of the Level3	0	0
Liabilities transfers Level 1 to 2	0	0
Liabilities transfer Leve1 2 to 1	$ 0	$ 0

CAPITAL REQUIREMENTS AND REST_3

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS - (Bank's Actual Capital Amounts And Ratios) (Details) $ in Thousands	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)
Consolidated
Total capital (to risk-weighted assets) Actual Amount	$ 244,214	$ 230,735
Tier I capital (to risk-weighted assets) Actual Amount	179,325	165,391
Common equity tier I capital (to risk-weighted assets) Actual Amount	179,325	165,391
Tier I capital (to average adjusted total assets) Actual Amount	$ 179,325	$ 165,391
Total capital (to risk weighted assets) Actual Ratio	0.1253	0.1147
Tier I capital (to risk-weighted assets) Actual Ratio	0.092	0.0822
Common equity tier I capital (to risk-weighted assets) Actual Ratio	0.092%	0.0822%
Tier I capital (to average adjusted total assets) Actual Ratio	0.0742	0.0724
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 155,976	$ 160,965
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	116,982	120,724
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	87,737	90,543
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 96,607	$ 91,375
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.08	0.08
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.06	0.06
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Ratio	0.04	0.04
Bank
Total capital (to risk-weighted assets) Actual Amount	$ 242,041	$ 226,461
Tier I capital (to risk-weighted assets) Actual Amount	221,755	209,561
Common equity tier I capital (to risk-weighted assets) Actual Amount	221,755	209,561
Tier I capital (to average adjusted total assets) Actual Amount	$ 221,755	$ 209,561
Total capital (to risk weighted assets) Actual Ratio	0.1242	0.1127
Tier I capital (to risk-weighted assets) Actual Ratio	0.1138	0.1042
Common equity tier I capital (to risk-weighted assets) Actual Ratio	0.1138%	0.1042%
Tier I capital (to average adjusted total assets) Actual Ratio	0.0918	0.0917
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	$ 155,946	$ 160,822
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Amount	116,959	120,616
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Amount	87,720	90,462
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Amount	$ 96,590	$ 91,406
Total capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.08	0.08
Tier I capital (to risk weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.06	0.06
Common equity tier I capital (to risk-weighted assets) Minimum for Capital Adequacy Purposes Ratio	0.045%	0.045%
Tier I capital (to average adjusted total assets) Minimum for Capital Adequacy Purposes Ratio	0.04	0.04
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 194,932	$ 201,027
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	155,946	160,822
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	126,706	130,668
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 120,737	$ 114,257
Total capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.10	0.10
Tier I capital (to risk weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.08	0.08
Common equity tier I capital (to risk-weighted assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.065%	0.065%
Tier I capital (to average adjusted total assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio	0.05	0.05

CAPITAL REQUIREMENTS AND REST_4

CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Mar. 31, 2008
CAPITAL REQUIREMENTS AND RESTRICTION ON DIVIDENDS
Percentage of capital conservation buffer	2.50%	2.50%
Liquidation account			$ 29,300
Maximum amount to attain consolidated capital requirements	$ 3,000,000
Amount deducted from capital for interest rate risk	$ 0

SUPPLEMENTAL DISCLOSURE FOR E_3

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE - Earnings per share information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Basic:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders													$ 13,592	$ 8,172	$ 15,386
Shares:
Weighted average common shares outstanding, basic													6,830,466	6,848,311	7,058,550
Net income per common share, basic	$ 0.54	$ 0.6	$ 0.72	$ 0.13	$ (0.11)	$ 0.34	$ 0.54	$ 0.42	$ 0.2	$ 0.37	$ 0.99	$ 0.6	$ 1.99	$ 1.19	$ 2.18
Diluted:
Net income attributable to First Savings Financial Group, Inc. available to common shareholders													$ 13,592	$ 8,172	$ 15,386
Shares:
Weighted average common shares outstanding, basic													6,830,466	6,848,311	7,058,550
Add: Dilutive effect of outstanding options													26,054	31,761	71,240
Add: Dilutive effect of restricted stock															12,056
Weighted average common shares outstanding, as adjusted													6,856,520	6,880,072	7,141,846
Net income per common share, diluted	$ 0.53	$ 0.6	$ 0.72	$ 0.13	$ (0.11)	$ 0.34	$ 0.54	$ 0.42	$ 0.2	$ 0.37	$ 0.98	$ 0.6	$ 1.98	$ 1.19	$ 2.15

SUPPLEMENTAL DISCLOSURE FOR E_4

SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE - Additional Information (Details) - shares	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Antidilutive restricted stock awards	332,872	280,989	137,250
Restricted stock awards
SUPPLEMENTAL DISCLOSURE FOR EARNINGS PER SHARE
Antidilutive restricted stock awards	0	0	0

PARENT COMPANY CONDENSED FINA_3

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - Balance Sheets (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Assets
Cash and due from banks	$ 39,393	$ 18,014
Other assets	34,373	29,290
Total Assets	2,450,368	2,288,854	$ 2,093,725
Liabilities and Equity:
Stockholders' equity	177,115	150,981
Total Liabilities and Equity	2,450,368	2,288,854
Reportable Legal Entities | Parent Company
Assets
Cash and due from banks	4,240	7,425
Other assets	2,679	1,489
Investment in subsidiaries	219,546	190,946
Total Assets	226,465	199,860
Liabilities and Equity:
Subordinated notes	48,603	48,444
Accrued expenses	747	435
Stockholders' equity	177,115	150,981
Total Liabilities and Equity	$ 226,465	$ 199,860

PARENT COMPANY CONDENSED FINA_4

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Dividend income from subsidiaries													$ 1,563	$ 1,435	$ 729
Interest expense													1,661	1,608	999
Loss before income taxes and equity in undistributed net income of subsidiaries	$ 3,817	$ 4,556	$ 5,793	$ 444	$ (1,484)	$ 2,655	$ 4,057	$ 2,954	$ 962	$ 2,577	$ 8,654	$ 5,116	14,610	8,182	17,309
Income tax expense	145	483	866	(476)	(737)	331	333	83	(446)	(61)	1,619	811	1,018	10	1,923
Income (loss) before equity in undistributed net income of subsidiaries	$ 3,672	$ 4,073	$ 4,927	$ 920	$ (747)	$ 2,324	$ 3,724	$ 2,871	$ 1,408	$ 2,638	$ 7,035	$ 4,305	13,592	8,172	15,386
Comprehensive income (loss)													31,984	5,664	(20,593)
Reportable Legal Entities | Parent Company
Dividend income from subsidiaries													4,500	1,335	1,300
Interest expense													(3,204)	(2,794)	(2,111)
Other operating income														660
Other operating expenses													(1,362)	(1,525)	(1,475)
Loss before income taxes and equity in undistributed net income of subsidiaries													(66)	(2,324)	(2,286)
Income tax expense													923	772	795
Income (loss) before equity in undistributed net income of subsidiaries													857	(1,552)	(1,491)
Equity in undistributed net income of subsidiaries													12,735	9,724	16,877
Net Income (Loss)													13,592	8,172	15,386
Comprehensive income (loss)													$ 31,984	$ 5,664	$ (20,593)

PARENT COMPANY CONDENSED FINA_5

PARENT COMPANY CONDENSED FINANCIAL INFORMATION - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Stock compensation expense	$ 699	$ 698	$ 688
Gain from repurchase of subordinated debt		(660)
Net cash provided by (used in) operating activities	91,203	32,758	148,812
Investing Activities:
Net cash used in investing activities	(203,333)	(263,988)	(544,218)
Financing Activities:
Repurchase of subordinated debt		(1,340)
Net proceeds from subordinated debt			30,258
Proceeds from issuance of common stock from treasury	15
Exercise of stock options	94	16
Tax paid on stock award shares for employees		30	48
Purchase of treasury stock	(79)	(2,625)	(4,745)
Net cash provided by (used in) financing activities	133,427	220,410	403,643
Net increase (decrease) in cash and due from banks	21,297	(10,820)	8,237
Cash and due from banks at beginning of year	30,845
Cash and due from banks at end of year	52,142	30,845
Reportable Legal Entities | Parent Company
Operating Activities:
Net Income (Loss)	13,592	8,172	15,386
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries	(12,735)	(9,724)	(16,877)
Amortization of subordinated debt issuance costs	159	227	0
Stock compensation expense	699	698	688
Gain from repurchase of subordinated debt	0	(660)	0
Net change in other assets and liabilities	(879)	(456)	(93)
Net cash provided by (used in) operating activities	836	(1,743)	(896)
Investing Activities:
Investment in bank subsidiary	0	0	(10,000)
Net cash used in investing activities	0	0	(10,000)
Financing Activities:
Repurchase of subordinated debt	0	(1,340)	0
Net proceeds from subordinated debt	0	0	30,258
Proceeds from issuance of common stock from treasury	15	0	0
Exercise of stock options	94	16	0
Tax paid on stock award shares for employees	0	(30)	(48)
Purchase of treasury stock	(79)	(2,625)	(4,745)
Dividends paid	(4,051)	(3,793)	(4,499)
Net cash provided by (used in) financing activities	(4,021)	(7,772)	20,966
Net increase (decrease) in cash and due from banks	(3,185)	(9,515)	10,070
Cash and due from banks at beginning of year	7,425	16,940	6,870
Cash and due from banks at end of year	$ 4,240	$ 7,425	$ 16,940

CONCENTRATION OF CREDIT RISK (D

CONCENTRATION OF CREDIT RISK (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
CONCENTRATION OF CREDIT RISK
Concentration of credit risk with correspondent banks in excess of the federal deposit insurance limit	$ 31.9	$ 9.4

SELECTED QUARTERLY FINANCIAL _3

SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
SELECTED QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
Interest income	$ 32,223	$ 31,094	$ 30,016	$ 28,655	$ 28,137	$ 26,798	$ 24,811	$ 23,483	$ 21,152	$ 18,479	$ 15,801	$ 15,762	$ 121,988	$ 103,229	$ 71,194
Interest expense	17,146	16,560	15,678	14,542	12,601	11,933	9,899	7,222	4,327	2,568	1,788	1,859	63,926	41,655	10,542
Net interest income	15,077	14,534	14,338	14,113	15,536	14,865	14,912	16,261	16,825	15,911	14,013	13,903	58,062	61,574	60,652
Provision for credit loan losses recognized	1,808	501	713	470	815	441	372	984	880	532	(30)	526	3,492	2,612	1,908
Provision (credit) for unfunded lending commitments	(262)	158	(259)	(58)									(421)
Provision (credit) for credit losses - securities	(86)	84	23										21
Total provision for loan losses	1,460	743	477	412									3,092	2,612	1,908
Net interest income after provision for loan losses	13,617	13,791	13,861	13,701	14,721	14,424	14,540	15,277	15,945	15,379	14,043	13,377	54,970	58,962	58,744
Noninterest income	2,842	3,196	3,710	2,782	5,442	7,196	7,516	5,188	4,531	10,033	20,072	16,591	12,530	25,342	51,227
Noninterest expenses	12,642	12,431	11,778	16,039	21,647	18,965	17,999	17,511	19,514	22,835	25,461	24,852	52,890	76,122	92,662
Income (loss) before income taxes	3,817	4,556	5,793	444	(1,484)	2,655	4,057	2,954	962	2,577	8,654	5,116	14,610	8,182	17,309
Income tax expense (benefit)	145	483	866	(476)	(737)	331	333	83	(446)	(61)	1,619	811	1,018	10	1,923
Net income (loss)	$ 3,672	$ 4,073	$ 4,927	$ 920	$ (747)	$ 2,324	$ 3,724	$ 2,871	$ 1,408	$ 2,638	$ 7,035	$ 4,305	$ 13,592	$ 8,172	$ 15,386
Net income (loss) per common share, basic	$ 0.54	$ 0.6	$ 0.72	$ 0.13	$ (0.11)	$ 0.34	$ 0.54	$ 0.42	$ 0.2	$ 0.37	$ 0.99	$ 0.6	$ 1.99	$ 1.19	$ 2.18
Net income (loss) per common share, diluted	$ 0.53	$ 0.6	$ 0.72	$ 0.13	$ (0.11)	$ 0.34	$ 0.54	$ 0.42	$ 0.2	$ 0.37	$ 0.98	$ 0.6	$ 1.98	$ 1.19	$ 2.15

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024 USD ($)	Jun. 30, 2024 USD ($)	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2024 USD ($) segment	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
SEGMENT REPORTING
Number of operating segments | segment													2
Net interest income	$ 15,077	$ 14,534	$ 14,338	$ 14,113	$ 15,536	$ 14,865	$ 14,912	$ 16,261	$ 16,825	$ 15,911	$ 14,013	$ 13,903	$ 58,062	$ 61,574	$ 60,652
Provision (credit) for loan losses	1,808	501	713	470	815	441	372	984	880	532	(30)	526	3,492	2,612	1,908
Credit for unfunded lending commitments	(262)	158	(259)	(58)									(421)
Provision for credit losses - securities	(86)	84	23										21
Total provision for credit losses	1,460	743	477	412									3,092	2,612	1,908
Net interest income after provision for credit losses	13,617	13,791	13,861	13,701	14,721	14,424	14,540	15,277	15,945	15,379	14,043	13,377	54,970	58,962	58,744
Net gains on sales of loans, SBA													3,013	2,717	3,698
Mortgage banking income (loss)													197	14,331	38,337
Noninterest income	2,842	3,196	3,710	2,782	5,442	7,196	7,516	5,188	4,531	10,033	20,072	16,591	12,530	25,342	51,227
Noninterest expense	12,642	12,431	11,778	16,039	21,647	18,965	17,999	17,511	19,514	22,835	25,461	24,852	52,890	76,122	92,662
Income (loss) before taxes	3,817	4,556	5,793	444	(1,484)	2,655	4,057	2,954	962	2,577	8,654	5,116	14,610	8,182	17,309
Income tax expense (benefit)	145	483	866	(476)	(737)	331	333	83	(446)	(61)	1,619	811	1,018	10	1,923
Segment profit (loss)	3,672	$ 4,073	$ 4,927	$ 920	(747)	$ 2,324	$ 3,724	$ 2,871	1,408	$ 2,638	$ 7,035	$ 4,305	13,592	8,172	15,386
Non-cash items:
Depreciation and amortization													2,371	2,549	2,448
Segment assets	2,450,368				2,288,854				2,093,725				2,450,368	2,288,854	2,093,725
Core Banking
SEGMENT REPORTING
Net interest income													54,252	56,214	52,184
Provision (credit) for loan losses													2,577	3,270	1,295
Credit for unfunded lending commitments													(175)
Provision for credit losses - securities													21
Total provision for credit losses													2,423
Net interest income after provision for credit losses													51,829	52,944	50,889
Mortgage banking income (loss)													197	88	(2)
Noninterest income													8,832	7,762	8,292
Noninterest expense													44,578	45,017	39,979
Income (loss) before taxes													16,083	15,689	19,202
Income tax expense (benefit)													1,374	1,911	2,133
Segment profit (loss)													14,709	13,778	17,069
Non-cash items:
Depreciation and amortization													2,365	2,439	2,256
Segment assets	2,346,997				2,110,311				1,880,813				2,346,997	2,110,311	1,880,813
SBA Lending
SEGMENT REPORTING
Net interest income													3,810	4,176	6,108
Provision (credit) for loan losses													915	(658)	613
Credit for unfunded lending commitments													(246)
Total provision for credit losses													669
Net interest income after provision for credit losses													3,141	4,834	5,495
Net gains on sales of loans, SBA													3,013	2,717	3,698
Noninterest income													3,698	3,337	4,623
Noninterest expense													8,312	9,600	8,721
Income (loss) before taxes													(1,473)	(1,429)	1,397
Income tax expense (benefit)													(356)	(381)	408
Segment profit (loss)													(1,117)	(1,048)	989
Non-cash items:
Depreciation and amortization													6	20	30
Segment assets	$ 103,371				89,724				105,342				$ 103,371	89,724	105,342
Mortgage Banking
SEGMENT REPORTING
Net interest income														1,184	2,360
Net interest income after provision for credit losses														1,184	2,360
Mortgage banking income (loss)														14,243	38,339
Noninterest income														14,243	38,312
Noninterest expense														21,505	43,962
Income (loss) before taxes														(6,078)	(3,290)
Income tax expense (benefit)														(1,520)	(618)
Segment profit (loss)														(4,558)	(2,672)
Non-cash items:
Depreciation and amortization														90	162
Segment assets					$ 88,819				$ 107,570					$ 88,819	$ 107,570

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Sources of Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Revenue from Contracts with Customers
Revenue from contracts with customers													$ 5,284	$ 5,630	$ 5,444
Net unrealized gain (loss) on equity securities													491	57	(10)
Gain (loss) on sale of securities														(551)	476
Gain on sale of SBA loans													3,013	2,717	3,698
Gain on sale of single tenant net lease loans															719
Mortgage banking income													197	14,331	38,337
Increase in cash value of life insurance													1,378	1,081	993
Real estate lease income													506	469	571
Other													1,661	1,608	999
Other noninterest income													7,246	19,712	45,783
Total noninterest income	$ 2,842	$ 3,196	$ 3,710	$ 2,782	$ 5,442	$ 7,196	$ 7,516	$ 5,188	$ 4,531	$ 10,033	$ 20,072	$ 16,591	12,530	25,342	51,227
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenue from contracts with customers													1,950	2,017	1,864
ATM and interchange fees
Revenue from Contracts with Customers
Revenue from contracts with customers													2,269	2,756	2,753
Commission income
Revenue from Contracts with Customers
Revenue from contracts with customers													956	746	717
Other
Revenue from Contracts with Customers
Revenue from contracts with customers													$ 109	$ 111	$ 110

MORTGAGE BANKING INCOME (Detail

MORTGAGE BANKING INCOME (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
MORTGAGE BANKING INCOME
Origination and sale of mortgage loans (1)	$ (1,121)	$ 6,300	$ (674)
Mortgage brokerage income	35	369	762
Net change in fair value of loans held for sale and interest rate lock commitments	(365)	987	(4,206)
Realized and unrealized hedging gains	354	1,353	20,398
Capitalized residential mortgage loan servicing rights	509	2,354	11,161
Net change in fair value of residential mortgage loan servicing rights	(809)	(5,849)	2,523
Net loan servicing income	1,532	9,521	9,045
Provisions for loan repurchases and indemnifications	62	(704)	(672)
Total mortgage banking income	$ 197	$ 14,331	$ 38,337