Prudential Bancorp (PBIP) 10-Q 10 May 19 2019 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Mar. 31, 2019	Apr. 30, 2019
Document and Entity Information [Abstract]
Entity Registrant Name	PRUDENTIAL BANCORP, INC.
Entity Central Index Key	0001578776
Trading Symbol	pbip
Current Fiscal Year End Date	--09-30
Entity Filer Category	Accelerated Filer
Entity Common Stock Shares Outstanding		8,920,946
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q2
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Ex Transition Period	false

UNAUDITED CONSOLIDATED STATEMEN

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
ASSETS
Cash and amounts due from depository institutions	$ 2,255	$ 2,457
Interest-bearing deposits	48,338	45,714
Total cash and cash equivalents	50,593	48,171
Certificates of deposit	2,351	1,604
Investment and mortgage-backed securities available for sale (amortized cost - March 31, 2019, $448,907; September 30, 2018, $316,719)	446,166	306,187
Investment and mortgage-backed securities held to maturity (fair value - March 31, 2019, $56,159; September 30, 2018, $55,927)	57,361	59,852
Equity securities (amortized cost March 31, 2019, $6)	72
Loans receivable - net of allowance for loan losses (March 31, 2019, $5,227; September 30, 2018, $5,167)	581,555	602,932
Accrued interest receivable	4,314	3,825
Real estate owned	423	1,026
Restricted bank stock - at cost	10,383	7,585
Office properties and equipment - net	7,355	7,439
Bank owned life insurance	28,996	28,691
Deferred tax assets-net	4,112	4,655
Goodwill	6,102	6,102
Core deposit intangible	508	571
Prepaid expenses and other assets	2,107	2,530
TOTAL ASSETS	1,202,398	1,081,170
Deposits:
Noninterest-bearing	12,350	13,677
Interest-bearing	813,149	770,581
Total deposits	825,499	784,258
Advances from Federal Home Loan Bank (short-term)	25,500	10,000
Advances from Federal Home Loan Bank (long-term)	199,594	144,683
Accrued interest payable	2,814	3,232
Advances from borrowers for taxes and insurance	2,260	2,083
Accounts payable and accrued expenses	12,840	8,505
Total liabilities	1,068,507	952,761
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value, 10,000,000 shares authorized, none issued
Common stock, $.01 par value, 40,000,000 shares authorized; 10,819,006 issued and 8,931,400 outstanding at March 31, 2019; 10,819,006 issued and 8,987,356 outstanding at September 30, 2018	108	108
Additional paid-in capital	117,976	118,345
Treasury stock, at cost: 1,887,606 shares at March 31, 2019 and 1,831,650 shares at September 30, 2018	(28,968)	(27,744)
Retained earnings	49,300	45,854
Accumulated other comprehensive loss	(4,525)	(8,154)
Total stockholders' equity	133,891	128,409
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,202,398	$ 1,081,170

UNAUDITED CONSOLIDATED STATEM_2

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Statement Of Financial Position [Abstract]
Investment and mortgage-backed securities available for sale, amortized cost (in dollars)	$ 448,907	$ 316,719
Investment and mortgage-backed securities held to maturity, fair value (in dollars)	56,159	55,927
Equity securities, amortized cost (in dollars)	6
Allowance for loan losses on loans receivable (in dollars)	$ 5,227	$ 5,167
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	40,000,000	40,000,000
Common stock, shares issued	10,819,006	10,819,006
Common stock, shares outstanding	8,931,400	8,987,356
Number of treasury share purchased	1,887,606	1,831,650

UNAUDITED CONSOLIDATED STATEM_3

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
INTEREST INCOME:
Interest on loans	$ 6,722	$ 6,261	$ 13,184	$ 12,368
Interest on mortgage-backed securities	2,553	851	4,308	1,693
Interest and dividends on investments	1,716	1,060	3,248	2,009
Interest on interest-bearing assets	144	183	396	321
Total interest income	11,135	8,355	21,136	16,391
INTEREST EXPENSE:
Interest on deposits	3,540	1,571	6,580	2,983
Interest on advances from Federal Home Loan Bank (short-term)	122	59	189	141
Interest on advances from Federal Home Loan Bank (long-term)	1,149	497	2,028	903
Total interest expense	4,811	2,127	8,797	4,027
NET INTEREST INCOME	6,324	6,228	12,339	12,364
PROVISION FOR LOAN LOSSES	0	150	0	360
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,324	6,078	12,339	12,004
NON-INTEREST INCOME:
Fees and other service charges	$ 156	$ 161	$ 334	$ 328
Type of Revenue [Extensible List]	Financial Service [Member]	Financial Service [Member]	Financial Service [Member]	Financial Service [Member]
Gain on the sale of investments and mortgage-backed securities	$ 117		$ 117
Income from bank owned life insurance	149	$ 156	303	$ 320
Holding gain on equity securities	34		34
Other	86	250	134	334
Total non-interest income	542	567	922	982
NON-INTEREST EXPENSE:
Salaries and employee benefits	2,209	2,037	4,383	4,011
Data processing	201	189	384	365
Professional services	374	402	775	1,194
Office occupancy	275	308	513	579
Depreciation	155	156	310	312
Director compensation	65	61	130	120
Deposit insurance premium	126	80	303	141
Advertising	72	52	153	112
Core deposit amortization	29	34	63	71
Other	640	550	1,124	1,007
Total non-interest expense	4,146	3,869	8,138	7,912
INCOME BEFORE INCOME TAXES	2,720	2,776	5,123	5,074
INCOME TAXES:
Current expense	676	622	1,235	1,270
Deferred (benefit) expense	(296)	(3)	(426)	1,613
Total income tax expense	380	619	809	2,883
NET INCOME	$ 2,340	$ 2,157	$ 4,314	$ 2,191
BASIC EARNINGS PER SHARE (in dollars per share)	$ 0.27	$ 0.24	$ 0.49	$ 0.25
DILUTED EARNINGS PER SHARE (in dollars per share)	0.26	0.24	0.48	0.24
DIVIDENDS PER SHARE (in dollars per share)	$ 0.05	$ 0.05	$ 0.1	$ 0.25

UNAUDITED CONSOLIDATED STATEM_4

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Statement Of Other Comprehensive Income [Abstract]
Net income	$ 2,340	$ 2,157	$ 4,314	$ 2,191
Unrealized holding gains (losses) on available-for-sale securities	4,522	(3,596)	7,945	(4,703)
Tax effect	(949)	756	(1,668)	1,132
Unrealized holding gains (losses) on interest rate swaps	(2,466)	190	(3,204)	234
Tax effect	518	(40)	673	(55)
Reclassification adjustment for net gains recorded in net income	(117)		(117)
Tax effect	25		25
Total other comprehensive income (loss)	1,533	(2,690)	3,654	(3,392)
Comprehensive income (loss)	$ 3,873	$ (533)	$ 7,968	$ (1,201)

UNAUDITED CONSOLIDATED STATEM_5

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional paid-in capital	Treasury Stock	Retained earnings	Accumulated Other Comprehensive Loss	Total
BALANCE at Sep. 30, 2017	$ 108	$ 118,751	$ (26,707)	$ 44,787	$ (760)	$ 136,179
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				2,191		2,191
Other comprehensive income (loss)					(3,392)	(3,392)
Dividends paid ($0.05, $0.05, for three month ended March 31 ,2019 and March 31, 2018 and $0.10, $0.25 per share for six month ended March 31 ,2019 and March 31, 2018, respectively)				(2,246)		(2,246)
Purchase of Treasury Stock (10,200 shares and 50,889 shares for March 31, 2019 and March 31, 2018 respectively and 106,365 shares and 99,430 shares for March 31, 2019 and March 31, 2018 resepectively).			(1,804)			(1,804)
Treasury Stock used for employee benefit plans (48,636 shares and 67,369 shares for March 31, 2019 and for March 31, 2018 respectively and 50,409 shares and 89,540 shares for March 31, 2019 and for March 31, 2018 respectively)		(691)	1,334			643
Stock option expense		239				239
Restricted shares award expense		250				250
Reclassification for adoption of ASU 2016-01				303	(303)
BALANCE at Mar. 31, 2018	108	118,549	(27,177)	45,035	(4,455)	132,060
BALANCE at Dec. 31, 2017	108	119,039	(27,296)	43,328	(1,765)	133,414
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				2,157		2,157
Other comprehensive income (loss)					(2,690)	(2,690)
Dividends paid ($0.05, $0.05, for three month ended March 31 ,2019 and March 31, 2018 and $0.10, $0.25 per share for six month ended March 31 ,2019 and March 31, 2018, respectively)				(450)		(450)
Purchase of Treasury Stock (10,200 shares and 50,889 shares for March 31, 2019 and March 31, 2018 respectively and 106,365 shares and 99,430 shares for March 31, 2019 and March 31, 2018 resepectively).			(906)			(906)
Treasury Stock used for employee benefit plans (48,636 shares and 67,369 shares for March 31, 2019 and for March 31, 2018 respectively and 50,409 shares and 89,540 shares for March 31, 2019 and for March 31, 2018 respectively)		(691)	1,025			334
Stock option expense		70				70
Restricted shares award expense		131				131
BALANCE at Mar. 31, 2018	108	118,549	(27,177)	45,035	(4,455)	132,060
BALANCE at Sep. 30, 2018	108	118,345	(27,744)	45,854	(8,154)	128,409
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				4,314		4,314
Other comprehensive income (loss)					3,654	3,654
Dividends paid ($0.05, $0.05, for three month ended March 31 ,2019 and March 31, 2018 and $0.10, $0.25 per share for six month ended March 31 ,2019 and March 31, 2018, respectively)				(893)		(893)
Purchase of Treasury Stock (10,200 shares and 50,889 shares for March 31, 2019 and March 31, 2018 respectively and 106,365 shares and 99,430 shares for March 31, 2019 and March 31, 2018 resepectively).			(2,248)			(2,248)
Treasury Stock used for employee benefit plans (48,636 shares and 67,369 shares for March 31, 2019 and for March 31, 2018 respectively and 50,409 shares and 89,540 shares for March 31, 2019 and for March 31, 2018 respectively)		(953)	1,024			71
Stock option expense		277				277
Restricted shares award expense		307				307
Reclassification for adoption of ASU 2016-01				25	(25)
BALANCE at Mar. 31, 2019	108	117,976	(28,968)	49,300	(4,525)	133,891
BALANCE at Dec. 31, 2018	108	118,621	(29,399)	47,381	(6,033)	130,678
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				2,340		2,340
Other comprehensive income (loss)					1,533	1,533
Dividends paid ($0.05, $0.05, for three month ended March 31 ,2019 and March 31, 2018 and $0.10, $0.25 per share for six month ended March 31 ,2019 and March 31, 2018, respectively)				(446)		(446)
Purchase of Treasury Stock (10,200 shares and 50,889 shares for March 31, 2019 and March 31, 2018 respectively and 106,365 shares and 99,430 shares for March 31, 2019 and March 31, 2018 resepectively).			(561)			(561)
Treasury Stock used for employee benefit plans (48,636 shares and 67,369 shares for March 31, 2019 and for March 31, 2018 respectively and 50,409 shares and 89,540 shares for March 31, 2019 and for March 31, 2018 respectively)		(921)	992			71
Stock option expense		126				126
Restricted shares award expense		150				150
Reclassification for adoption of ASU 2016-01				25	(25)	25
BALANCE at Mar. 31, 2019	$ 108	$ 117,976	$ (28,968)	$ 49,300	$ (4,525)	$ 133,891

UNAUDITED CONSOLIDATED STATEM_6

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Statement Of Stockholders Equity [Abstract]
Dividends paid (in dollars per share)	$ 0.05	$ 0.05	$ 0.10	$ 0.25
Purchase of treasury stock	10,200	50,889	106,365	99,430
Treasury stock used for employee benefit plan	48,636	67,369	50,409	89,540

UNAUDITED CONSOLIDATED STATEM_7

UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
OPERATING ACTIVITIES:
Net income	$ 4,314	$ 2,191
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	310	312
Net accretion of premiums/discounts	(766)	234
Provision for loan losses	0	360
Net amortization of deferred loan fees and costs	(58)	165
Share-based compensation expense for stock options and share awards	584	489
Income from bank owned life insurance	(303)	(320)
Loss (gain) on sale of other real estate owned	46	(60)
Gain on sale of investments available for sale	(117)
Holding gains on equity securities	(34)
Deferred income tax expense (benefit)	(426)	1,613
Changes in assets and liabilities which used cash:
Accrued interest receivable	(489)	(614)
Accrued interest payable	(418)	(605)
Other, net	601	(149)
Net cash provided by operating activities	3,244	3,616
INVESTING ACTIVITIES:
Purchase of investment and mortgage-backed securities available for sale	(153,282)	(52,747)
Purchase of investment and mortgage-backed securities held to maturity		(2,458)
Sale of investments available for sale	12,770
Loans originated	(45,722)	(54,131)
Principal collected on loans	67,157	40,860
Principal payments received on investment and mortgage-backed securities:
Held-to-maturity	2,455	681
Available-for-sale	9,461	7,140
Redemption of FHLB Stock	5,589	1,596
Purchase of FHLB stock	(8,387)	(2,353)
Proceeds from sale of other real estate owned	603	278
Purchases of equipment	(225)	(179)
Net cash used in investing activities	(109,581)	(61,313)
FINANCING ACTIVITIES:
Net increase (decrease) in demand deposits, NOW accounts, and savings accounts	10,792	(10,064)
Net increase in certificates of deposit	30,449	48,784
Proceeds from FHLB advances - short term	15,500
Proceeds from FHLB advances - long term	74,223	39,500
Repayment of FHLB advances - long term	(19,312)	(27,194)
Increase in advances from borrowers for taxes and insurance	177	283
Cash dividends paid	(893)	(2,246)
Treasury stock used for employee benefit plans	71	643
Purchase of treasury stock	(2,248)	(1,804)
Net cash provided by financing activities	108,759	47,902
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	2,422	(9,795)
CASH AND CASH EQUIVALENTS - Beginning of period	48,171	27,903
CASH AND CASH EQUIVALENTS - End of period	50,593	18,108
Cash paid during the period for:
Interest on deposits and advances from Federal Home Loan Bank	9,215	4,632
Income taxes	$ 25	1,400
Loans transferred to other real estate owned		$ 111

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	1. SIGNIFICANT ACCOUNTING POLICIES Prudential Bancorp, Inc. (the “Company”) is a Pennsylvania corporation and the parent holding company for Prudential Bank (the “Bank”). The Company is a registered bank holding company. The Bank is a community-oriented, Pennsylvania-chartered savings bank headquartered in South Philadelphia. The banking office network currently consists of the headquarters and main office (which includes a branch office), administrative office, and nine additional full-service branch offices. Eight of the branch offices are located in Philadelphia (Philadelphia County), one is in Drexel Hill, Delaware County, and one is in Huntingdon Valley, Montgomery County (both Pennsylvania counties). The Bank maintains ATMs at all 10 of the banking offices. The Bank also provides on-line and mobile banking services. The Bank is subject to regulation by the Pennsylvania Department of Banking and Securities (the “Department”), as its chartering authority and primary regulator, and by the Federal Deposit Insurance Corporation (the “FDIC”), which insures the Bank’s deposits up to applicable limits. As a bank holding company, the Company is subject to the regulation of the Board of Governors of the Federal Reserve System. Basis of presentation – Use of Estimates in the Preparation of Financial Statements — Recently Adopted Accounting Pronouncements Effective October 1, 2018, the Company adopted ASU 2014-09 Revenue from Contracts with Customers – Topic 606 Management determined that the primary sources of revenue emanating from interest and dividend income on loans and securities along with noninterest revenue resulting from investment security gains, loan servicing, gains on the sale of loans, commitment fees, fees from financial guarantees, certain credit cards fees, and income on bank-owned life insurance are not within the scope of ASC 606. As a result, no changes were made during the period related to these sources of revenue, which cumulatively comprise 98 percent of the total revenue of the Company. Services within the scope of ASC 606 include income from service charges on deposit accounts, other service income, ATM fees and gain on sale of OREO, net. For these accounts, fees are related to specific customer transactions and are attributable to specific performance obligations of the Bank where the revenue is recognized at a defined point in time, completion of the requested service/transaction. Effective October 1, 2018, the Company adopted ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities Recent Accounting Pronouncements In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). In June 2018, the FASB issued ASU 2018-07, Compensation – Stock Compensation (Topic 718) In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes the Disclosure Requirements for Fair Value Measurements In October 2018, the FASB issued ASU 2018-16 , Derivatives and Hedging (Topic 815) In March 2019, the FASB issued ASU 2019-01, Leases (Topic 842): Codification Improvements, In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, w

EARNINGS PER SHARE

EARNINGS PER SHARE	6 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
EARNINGS PER SHARE	2. EARNINGS PER SHARE Basic earnings per common share is computed by dividing net income available to common stockholders by the weighted average number of shares of common stock issued, net of any treasury shares and unearned restricted share awards, during the period. Diluted earnings per share is calculated by dividing net income available to common stockholders by the weighted average number of shares of common stock outstanding, net of any treasury shares, after consideration of the potential dilutive effect of common stock equivalents, based upon the treasury stock method using an average market price for the period. The calculated basic and diluted earnings per share are as follows: Three Months Ended March 31, 2019 2018 Basic Diluted Basic Diluted (Dollars in Thousands, Except Share and Per Share Data) Net income $ 2,340 $ 2,340 $ 2,157 $ 2,157 Weighted average shares outstanding 8,777,252 8,777,252 8,851,805 8,851,805 Effect of common stock equivalents - 144,309 - 326,295 Adjusted weighted average shares used in earnings per share computation 8,777,252 8,921,561 8,851,805 9,178,100 Earnings per share - basic and diluted $ 0.27 $ 0.26 $ 0.24 $ 0.24 Six Months Ended March 31, 2019 2018 Basic Diluted Basic Diluted (Dollars in Thousands, Except Share and Per Share Data) Net income $ 4,314 $ 4,314 $ 2,191 $ 2,191 Weighted average shares outstanding 8,790,822 8,790,822 8,853,479 8,853,479 Effect of common stock equivalents - 131,262 - 351,436 Adjusted weighted average shares used in earnings per share computation 8,790,822 8,922,084 8,853,479 9,204,915 Earnings per share - basic and diluted $ 0.49 $ 0.48 $ 0.25 $ 0.24 As of March 31, 2019 and 2018, there were 584,832 and 873,159 shares of common stock, respectively, subject to options with an exercise price less than the then current market and which were included in the computation of diluted earnings per share. At March 31, 2019 and 2018, there were 202,500 and 177,500 shares, respectively, that had exercise prices greater than the then current market value and were considered anti-dilutive at such dates.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	6 Months Ended
	Mar. 31, 2019
Accumulated Other Comprehensive Income [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	3. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following table presents the changes in accumulated other comprehensive (loss) income by component, net of tax, for the periods presented: Three Months Ended March 31, Three Months Ended March 31, 2019 2019 2019 2018 2018 2018 (Dollars in Thousands) Unrealized on AFS securities (a) Unrealized gain (loss) swaps (a) Total other comprehensive (loss) income Unrealized on AFS securities (a) Unrealized on interest rate swaps (a) Total other comprehensive (loss) income Beginning balance, January 1 $ (5,615 ) $ (418 ) $ (6,033 ) $ (2,125 ) $ 360 $ (1,765 ) Other comprehensive (loss) income before reclassifications 3,572 (1,947 ) 1,625 (2,840 ) 150 (2,690 ) Total (2,043 ) (2,365 ) (4,408 ) (4,965 ) 510 (4,455 ) Reclassification from adoption of ASU 2016-01 (25 ) - (25 ) - - - Reclassification for net gains recorded in net income (92 ) - (92 ) - - - Ending Balance, March 31 $ (2,160 ) $ (2,365 ) $ (4,525 ) $ (4,965 ) $ 510 $ (4,455 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents the changes in accumulated other comprehensive (loss) income by component, net of tax, for the periods presented: Six Months Ended March 31, Six Months Ended March 31, 2019 2019 2019 2018 2018 2018 (Dollars in Thousands) Unrealized Unrealized Total Unrealized Unrealized Total Beginning balance, October 1 $ (8,320 ) $ 166 $ (8,154 ) $ (1,091 ) $ 331 $ (760 ) Other comprehensive (loss) income before reclassification 6,277 (2,531 ) 3,746 (3,571 ) 179 (3,392 ) Total (2,043 ) (2,365 ) (4,408 ) (4,662 ) 510 (4,152 ) Reclassification from adoption of ASU 2016-01 (25 ) - (25 ) Reclassification for net gains recorded in net income (92 ) - (92 ) (303 ) - (303 ) Ending Balance, March 31 $ (2,160 ) $ (2,365 ) $ (4,525 ) $ (4,965 ) $ 510 $ (4,455 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits.

INVESTMENT AND MORTGAGE-BACKED

INVESTMENT AND MORTGAGE-BACKED SECURITIES	6 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
INVESTMENT AND MORTGAGE-BACKED SECURITIES	4. INVESTMENT AND MORTGAGE-BACKED SECURITIES The amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses, are as follows: March 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,253 $ - $ (431 ) $ 24,822 Mortgage-backed securities - U.S. government agencies 307,219 1,859 (3,361 ) 305,717 State and political subdivisions 23,206 742 (1,155 ) 22,793 Corporate bonds 93,229 436 (831 ) 92,834 Total securities available for sale $ 448,907 $ 3,037 $ (5,778 ) $ 446,166 Securities Held to Maturity: U.S. government and agency obligations $ 31,500 $ 127 $ (1,669 ) $ 29,958 Mortgage-backed securities - U.S. government agencies 5,337 166 (53 ) 5,450 State and political subdivisions 20,524 356 (129 ) 20,751 Total securities held to maturity $ 57,361 $ 649 $ (1,851 ) $ 56,159 March 31, 2019 Amortized Gross Gross Fair Cost Gains Losses Value (Dollars in Thousands) Equity securities FHLMC preferred stock $ 6 $ 66 $ - $ 72 Total equity securities $ 6 $ 66 $ 72 The Company recognized net gains on equity securities of $34,000 and $0 for the six and three months ended March 31, 2019, respectively. No net gains or losses on sold equity securities were realized during the three or six months ended March 31, 2018. September 30, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,562 $ - $ (1,391 ) $ 24,171 State and political subdivisions 22,078 - (542 ) 21,536 Mortgage-backed securities - U.S. government agencies 193,451 77 (6,168 ) 187,360 Corporate bonds 75,622 - (2,539 ) 73,083 Total debt securities available for sale 316,713 77 (10,640 ) 306,150 FHLMC preferred stock 6 31 - 37 Total securities available for sale $ 316,719 $ 108 $ (10,640 ) $ 306,187 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 85 $ (3,311 ) $ 30,274 State and political subdivisions 20,574 2 (696 ) 19,880 Mortgage-backed securities - U.S. government agencies 5,778 148 (153 ) 5,773 Total securities held to maturity $ 59,852 $ 235 $ (4,160 ) $ 55,927 As of March 31, 2019, the Bank maintained $251.5 million of securities in a safekeeping account at the FHLB of Pittsburgh available to be used for collateral as a convenience. The Bank is not required to maintain any specific collateral for its borrowings; therefore these securities are not restricted and could be sold or transferred if needed. The following table shows the gross unrealized losses and related fair values of the Company’s investment and mortgage-backed securities, aggregated by investment category and length of time that individual securities had been in a continuous loss position as of March 31, 2019: Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ - $ - $ (431 ) $ 24,822 $ (431 ) $ 24,822 Mortgage-backed securities - U.S. government agencies (233 ) 31,387 (3,128 ) 106,545 (3,361 ) 137,932 State and political subdivisions (1,155 ) 22,793 - - (1,155 ) 22,793 Corporate bonds (123 ) 15,120 (708 ) 37,520 (831 ) 52,640 Total securities available for sale $ (1,511 ) $ 69,300 $ (4,267 ) $ 168,887 $ (5,778 ) $ 238,187 Securities Held to Maturity: U.S. government and agency obligations $ (1,669 ) $ 28,831 $ - $ - $ (1,669 ) $ 28,831 Mortgage-backed securities - U.S. government agencies - - (53 ) 2,034 (53 ) 2,034 State and political subdivisions - - (129 ) 6,944 (129 ) 6,944 Total securities held to maturity $ (1,669 ) $ 28,831 $ (182 ) $ 8,978 $ (1,851 ) $ 37,809 Total $ (3,180 ) $ 98,131 $ (4,449 ) $ 177,865 $ (7,629 ) $ 275,996 The following table shows the gross unrealized losses and related fair values of the Company’s investment securities, aggregated by investment category and length of time that individual securities had been in a continuous loss position as of September 30, 2018: Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (89 ) $ 4,479 $ (1,302 ) $ 19,692 $ (1,391 ) $ 24,171 Mortgage-backed securities - U.S. government agencies (1,821 ) 92,851 (4,347 ) 86,268 (6,168 ) 179,119 State and political subdivisions (542 ) 21,536 - - (542 ) 21,536 Corporate debt securities (1,719 ) 58,753 (820 ) 14,330 (2,539 ) 73,083 Total debt securities available for sale $ (4,171 ) $ 177,619 $ (6,469 ) $ 120,290 $ (10,640 ) $ 297,909 Securities Held to Maturity: U.S. government and agency obligations $ - $ - $ (3,311 ) $ 27,190 $ (3,311 ) $ 27,190 Mortgage-backed securities - U.S. government agencies (106 ) 2,630 (46 ) 930 (152 ) 3,560 State and political subdivisions (234 ) 11,238 (463 ) 6,618 (697 ) 17,856 Total securities held to maturity $ (340 ) $ 13,868 $ (3,820 ) $ 34,738 $ (4,160 ) $ 48,606 Total $ (4,511 ) $ 191,487 $ (10,289 ) $ 155,028 $ (14,800 ) $ 346,515 Management evaluates securities for other-than-temporary impairment (“OTTI”) at least once each quarter, and more frequently when economic or market concerns warrant such evaluation. The evaluation is based upon factors such as the creditworthiness of the issuers/guarantors, the underlying collateral, if applicable, and the continuing performance of the securities. Management also evaluates other facts and circumstances that may be indicative of an OTTI condition. This includes, but is not limited to, an evaluation of the type of security, the length of time and extent to which the fair value of the security has been less than cost, and the near-term prospects of the issuer. The Company assesses whether a credit loss exists with respect to a security by considering whether (1) the Company has the intent to sell the security, (2) it is more likely than not that it will be required to sell the security before recovery has occurred, or (3) it does not expect to recover the entire amortized cost basis of the security. The Company bifurcates the OTTI impact on impaired securities where impairment in value is deemed to be other than temporary between the component representing credit loss and the component representing loss related to other factors. The portion of the fair value decline attributable to credit loss must be recognized through a charge to earnings. The credit component is determined by comparing the present value of the cash flows expected to be collected, discounted at the rate in effect before recognizing any OTTI, with the amortized cost basis of the debt security. The Company uses the cash flows expected to be realized from the security, which includes assumptions about interest rates, timing and severity of defaults, estimates of potential recoveries, the cash flow distribution from the security and other factors, then applies a discount rate equal to the effective yield of the security. The difference between the present value of the expected cash flows and the amortized book value is considered a credit loss. The fair value of the security is determined using the same expected cash flows; the discount rate is a rate the Company determines from open market and other sources as appropriate for the particular security. The difference between the fair value and the security’s remaining amortized cost is recognized in other comprehensive income (loss). For both the three and six months ended March 31, 2019 and 2018, the Company did not record any credit losses on investment securities through earnings. U.S. Government and Agency Obligations - Mortgage-Backed Securities – Corporate Bonds State and political subdivisions The amortized cost and fair value of debt securities, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. The maturity table below excludes mortgage-backed securities because the contractual maturities of such securities are not indicative of actual maturities due to significant prepayments. March 31, 2019 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 1,704 $ 1,715 $ 5,256 $ 5,168 Due after five through ten years 23,736 23,712 7,511 7,434 Due after ten years 26,584 25,282 128,921 127,847 Total $ 52,024 $ 50,709 $ 141,688 $ 140,449 During both the three and six month periods ended March 31, 2019, the Company sold three mortgage-back securities with an aggregate amortized cost of $12.8 million for a recognized aggregate gain of $117,000 (pre-tax). During the both three and six month periods ended March 31, 2018, the Company did not sell any securities.

LOANS RECEIVABLE

LOANS RECEIVABLE	6 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
LOANS RECEIVABLE	5. LOANS RECEIVABLE Loans receivable consist of the following: March 31, September 30, 2019 2018 (Dollars in Thousands) One-to-four family residential $ 299,323 $ 324,865 Multi-family residential 35,094 34,355 Commercial real estate 128,252 119,511 Construction and land development 168,465 160,228 Loans to financial institutions 6,000 6,000 Commercial business 20,934 17,792 Leases 1,139 1,687 Consumer 891 953 Total loans 660,098 665,391 Undisbursed portion of loans-in-process (70,462 ) (54,474 ) Deferred loan fees (net) (2,854 ) (2,818 ) Allowance for loan losses (5,227 ) (5,167 ) Net loans $ 581,555 $ 602,932 The following table summarizes by loan segment the balance in the allowance for loan losses and the loans individually and collectively evaluated for impairment by loan segment at March 31, 2019: One- to- Multi- Commercial Construction Loans to Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,314 385 1,342 1,370 68 235 13 20 480 5,227 Total ending allowance balance $ 1,314 $ 385 $ 1,342 $ 1,370 $ 68 $ 235 $ 13 $ 20 $ 480 $ 5,227 Loans: Individually evaluated for impairment $ 4,830 $ 287 $ 2,196 $ 8,750 $ - $ - $ - $ 10 $ 16,073 Collectively evaluated for impairment 294,493 34,807 126,056 159,715 6,000 20,934 1,139 881 644,025 Total loans $ 299,323 $ 35,094 $ 128,252 $ 168,465 $ 6,000 $ 20,934 $ 1,139 $ 891 $ 660,098 The following table summarizes by loan segment the balance in the allowance for loan losses and the loans individually and collectively evaluated for impairment by loan segment at September 30, 2018: One- to- Multi- Commercial Construction Loans to Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,343 347 1,154 1,554 64 187 18 18 482 5,167 Total ending allowance balance $ 1,343 $ 347 $ 1,154 $ 1,554 $ 64 $ 187 $ 18 $ 18 $ 482 $ 5,167 Loans: Individually evaluated for impairment $ 5,081 $ 298 $ 1,919 $ 8,750 $ - $ - $ - $ - $ 16,048 Collectively evaluated for impairment 319,784 34,057 117,592 151,478 6,000 17,792 1,687 953 649,343 Total loans $ 324,865 $ 34,355 $ 119,511 $ 160,228 $ 6,000 $ 17,792 $ 1,687 $ 953 $ 665,391 The loan portfolio is segmented at a level that allows management to monitor both risk and performance. Management evaluates for potential impairment all construction loans, multi-family loans, commercial real estate loans, commercial business loans, loans to financial institutions, leases and all loans and leases more than 90 days delinquent as to principal and/or interest. Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect in full the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Once the determination is made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is generally measured by comparing the recorded investment in the loan to the fair value of the loan using one of the following three methods: (a) the present value of the expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral less selling costs. Management primarily utilizes the fair value of collateral method as a practically expedient alternative. On collateral method evaluations, any portion of the loan deemed uncollectible is charged-off against the loan loss allowance. The following table presents impaired loans by class as of March 31, 2019, segregated by those for which a specific allowance was required and those for which a specific allowance was not required. Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 4,830 $ 4,830 $ 5,178 Multi-family residential - - 287 287 287 Commercial real estate - - 2,196 2,196 2,357 Construction and land development - - 8,750 8,750 11,131 Consumer - - 10 10 10 Total impaired loans $ - $ - $ 16,073 $ 16,073 $ 18,963 The following table presents impaired loans by class as of September 30, 2018, segregated by those for which a specific allowance was required and those for which a specific allowance was not required. Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 5,081 $ 5,081 $ 5,432 Multi-family - - 298 298 298 Commercial real estate - - 1,919 1,919 2,057 Construction and land development - - 8,750 8,750 11,131 Total impaired loans $ - $ - $ 16,048 $ 16,048 $ 18,918 The following tables present the average recorded investment in impaired loans and related interest income recognized for the periods indicated: Three Months Ended March 31, 2019 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 4,952 $ 21 $ 5 Multi-family residential 290 5 - Commercial real estate 2,202 10 1 Construction and land development 8,752 - - Consumer 10 - - Total impaired loans $ 16,205 $ 36 $ 6 T hree Months Ended March 31, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 9,777 $ 43 $ - Multi-family residential 311 5 - Commercial real estate 3,316 29 - Construction and land development 8,744 - - Consumer 10 - - Total impaired loans $ 22,158 $ 77 $ - Six Months Ended March 31, 2019 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 5,055 $ 44 $ 10 Multi-family residential 293 10 - Commercial real estate 2,133 20 2 Construction and land development 8,752 - - Consumer 8 - - Total impaired loans $ 16,242 $ 74 $ 12 Six Months Ended March 31, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 8,521 $ 77 $ 4 Multi-family residential 316 11 - Commercial real estate 2,942 58 - Construction and land development 8,879 - - Consumer 10 - - Total impaired loans $ 20,668 $ 146 $ 4 Federal regulations and our loan policy require that the Company utilize an internal asset classification system as a means of reporting problem and potential problem assets. The Company has incorporated an internal asset classification system, consistent with Federal banking regulations, as a part of its credit monitoring system. Management currently classifies problem and potential problem assets as “special mention”, “substandard,” “doubtful” or “loss” assets. An asset is considered “substandard” if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. “Substandard” assets include those characterized by the “distinct possibility” that the insured institution will sustain “some loss” if the deficiencies are not corrected. Assets classified as “doubtful” have all of the weaknesses inherent in those classified “substandard” with the added characteristic that the weaknesses present make “collection or liquidation in full,” on the basis of currently existing facts, conditions, and values, “highly questionable and improbable.” Assets classified as “loss” are those considered “uncollectible” and of such little value that their continuance as assets without the establishment of a specific loss reserve is not warranted. Assets which do not currently expose the insured institution to sufficient risk to warrant classification in one of the three aforementioned categories but possess weaknesses are required to be designated “special mention.” The following tables present the classes of the loan portfolio in which a formal risk weighting system is utilized summarized by the aggregate “Pass” and the criticized category of “special mention”, and the classified categories of “substandard”, “doubtful” and “loss” within the Company’s risk rating system as applied to the loan portfolio. The Company had no loans classified as “doubtful” or “loss” at either of the dates presented. March 31, 2019 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 291,751 $ 2,742 $ 4,830 $ 299,323 Multi-family residential 34,481 326 287 35,094 Commercial real estate 121,958 4,098 2,196 128,252 Construction and land development 159,715 - 8,750 168,465 Loans to financial institutions 6,000 - - 6,000 Commercial business 20,934 - - 20,934 Total loans $ 634,839 $ 7,166 $ 16,063 $ 658,068 September 30, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 317,033 $ 2,751 $ 5,081 $ 324,865 Multi-family residential 34,057 - 298 34,355 Commercial real estate 115,670 1,922 1,919 119,511 Construction and land development 151,478 - 8,750 160,228 Loans to financial institutions 6,000 - - 6,000 Commercial business 17,792 - - 17,792 Total loans $ 642,030 $ 4,673 $ 16,048 $ 662,751 The Company evaluates the classification of one-to-four family residential, leases and consumer loans primarily on a pooled basis. If the Company becomes aware that adverse or distressed conditions exist that may affect a loan, the loan is downgraded following the above definitions of special mention, substandard, doubtful and loss. The following tables represent loans in which a formal risk rating system is not utilized, but loans are segregated between performing and non-performing based primarily on delinquency status. Non-performing loans that would be included in the table are those loans greater than 90 days past due as to principal and/or interest that do not have a designated risk rating. March 31, 2019 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 296,034 $ 3,289 $ 299,323 Leases 1,139 - 1,139 Consumer 891 - 891 Total loans $ 298,064 $ 3,289 $ 301,353 September 30, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 321,853 $ 3,012 $ 324,865 Leases 1,687 - 1,687 Consumer 953 - 953 Total loans $ 324,493 $ 3,012 $ 327,505 Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is due or overdue, as the case may be. The following tables present the loan categories of the loan portfolio summarized by the aging categories of performing loans, delinquent loans and nonaccrual loans: March 31, 2019 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 295,160 $ 993 $ 3,170 $ 4,163 $ 299,323 $ 3,289 $ - Multi-family residential 34,934 160 - 160 35,094 - - Commercial real estate 126,777 - 1,475 1,475 128,252 1,475 - Construction and land development 159,715 - 8,750 8,750 168,465 8,750 - Financial institutions 6,000 - - - 6,000 - - Commercial business 20,934 - - - 20,934 - - Leases 1,139 - - - 1,139 - - Consumer 783 108 - 108 891 - - Total loans $ 645,442 $ 1,261 $ 13,395 $ 14,656 $ 660,098 $ 13,514 $ - September 30, 2018 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 321,749 $ 1,037 $ 2,079 $ 3,116 $ 324,865 $ 3,012 $ - Multi-family residential 34,355 - - - 34,355 - - Commercial real estate 117,335 722 1,454 2,176 119,511 1,627 - Construction and land development 151,478 - 8,750 8,750 160,228 8,750 - Commercial business 17,792 - - - 17,792 - - Loans to financial institutions 6,000 - - - 6,000 - - Leases 1,687 - - - 1,687 - - Consumer 837 116 - 116 953 - - Total loans $ 651,233 $ 1,875 $ 12,283 $ 14,158 $ 665,391 $ 13,389 $ - The allowance for loan losses is established through a provision for loan losses charged to expense. The Company maintains the allowance at a level believed to cover all known and inherent losses in the portfolio that are both probable and reasonable to estimate at each reporting date. Management reviews the allowance for loan losses no less than quarterly in order to identify these inherent losses and to assess the overall collection probability for the loan portfolio in view of these inherent losses. For each primary type of loan, a loss factor is established reflecting an estimate of the known and inherent losses in such loan type contained in the portfolio using both a quantitative analysis as well as consideration of qualitative factors. The evaluation process includes, among other things, an analysis of delinquency trends, non-performing loan trends, the level of charge-offs and recoveries, prior loss experience, total loans outstanding, the volume of loan originations, the type, size and geographic concentration of the Company’s loans, the value of collateral securing the loans, the borrowers’ ability to repay and repayment performance, the number of loans requiring heightened management oversight, local economic conditions and industry experience. Commercial real estate loans entail significant additional credit risks compared to owner-occupied one-to-four family residential mortgage loans, as they generally involve large loan balances concentrated with a single borrower or groups of related borrowers. In addition, the payment experience on loans secured by income-producing properties typically depends on the successful operation of the related real estate project and/or business operation of the borrower who is, in some cases, also the primary occupant, and thus may be subject to a greater extent to the effects of adverse conditions in the real estate market and in the economy in general. Commercial business loans typically involve a higher risk of default than residential loans of like duration since their repayment is generally dependent on the successful operation of the borrower’s business and the sufficiency of collateral, if any. Land acquisition, development and construction lending exposes the Company to greater credit risk than permanent mortgage financing. The repayment of land acquisition, development and construction loans depends upon the sale of the property to third parties or the availability of permanent financing upon completion of all improvements. These events may adversely affect the sale of the properties, potentially reducing both the borrowers’ ability to make required payments as well as reducing the value of the collateral property. Such lending is additionally subject to the risk that if the estimate of construction cost proves to be inaccurate, the Company potentially will be compelled to advance additional funds to allow completion of the project. In addition, if the estimate of value proves to be inaccurate, the Company may be confronted with a project, when completed, having less value than the loan amount. If the Company is forced to foreclose on a construction project prior to completion, there is no assurance that the Company would be able to recover the entire unpaid portion of the loan. The following tables summarize the primary segments of the allowance for loan losses. Activity in the allowance is presented for the both three and six month periods ended March 31, 2019 and 2018: Three Months Ended March 31, 2019 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at December 31, 2018 $ 1,427 $ 372 $ 1,147 $ 1,445 $ 67 $ 193 $ 16 $ 13 $ 487 $ 5,167 Charge-offs - - - - - - - - - - Recoveries 60 - - - - - - - - 60 Provision (173 ) 13 195 (75 ) 1 42 (3 ) 7 (7 ) - ALLL balance at March 31, 2019 $ 1,314 $ 385 $ 1,342 $ 1,370 $ 68 $ 235 $ 13 $ 20 $ 480 $ 5,227 Six Months Ended March 31, 2019 One- to four-family residential Multi- family residential Commercial real estate Construction and land development Financial institutions Commercial business Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2018 $ 1,343 $ 347 $ 1,154 $ 1,554 $ 64 $ 187 $ 18 $ 18 $ 482 $ 5,167 Charge-offs - - - - - - - - - - Recoveries 60 - - - - - - - - 60 Provision (89 ) 38 188 (184 ) 4 48 (5 ) 2 (2 ) - ALLL balance at March 31, 2019 $ 1,314 $ 385 $ 1,342 $ 1,370 $ 68 $ 235 $ 13 $ 20 $ 480 $ 5,227 Three Months Ended March 31, 2018 One- to four-family residential Multi- family residential Commercial real estate Construction and land development Financial institutions Commercial business Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at December 31, 2017 $ 1,270 $ 158 $ 1,064 $ 1,621 $ - $ 26 $ 20 $ 24 $ 493 $ 4,676 Charge-offs - - - (12 ) - - - - - (12 ) Recoveries 27 - - - - - - - - 27 Provision 11 47 19 (144 ) 62 80 9 73 (7 ) 150 ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Six Months Ended March 31, 2018 One- to four-family residential Multi- family residential Commercial real estate Construction and land development Financial institutions Commercial business Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2017 $ 1,241 $ 205 $ 1,201 $ 1,358 $ - $ 4 $ 23 $ 24 $ 410 $ 4,466 Charge-offs - - - (12 ) - - - - - (12 ) Recoveries 27 - - - - - - - - 27 Provision 40 - (118 ) 119 62 102 6 73 76 360 ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 The Company recorded no provision for loan losses for the three and six months period ended March 31, 2019, respectively, compared to $150,000 and $360,000 for the comparable three and six months periods in fiscal 2018. During both the quarter and six months ended March 31, 2019, the Company recorded no charge offs and recoveries of $60,000. During both the quarter and six months ended March 31, 2018, the Company recorded charge offs of $12,000 and recoveries of $27,000. At March 31, 2019, the Company had nine loans aggregating $6.0 million that were classified as troubled debt restructurings (“TDRs”). Five of the nine loans aggregating $644,000 were performing in accordance with their restructured terms as of March 31, 2019 and accruing interest, with four of the TDRs on non-accrual status. Three of the TDRs which are classified as non-accrual totaling $4.9 million are a part of a troubled lending relationship totaling $10.6 million (after taking into account the previously disclosed $1.9 million write-down recognized during the quarter ending March 31, 2017 related to this borrowing relationship). The remaining TDR is also on non-accrual and consists of a $445,000 loan secured by various commercial and residential properties. The Company did not restructure any loans during the three and six months ended March 31, 2019, or during the three and six months ending March 31, 2018. No TDRs defaulted during the six-month period ending March 31, 2019 or 2018.

DEPOSITS

DEPOSITS	6 Months Ended
	Mar. 31, 2019
Deposits [Abstract]
DEPOSITS	6. DEPOSITS Deposits consist of the following major classifications: March 31, September 30, 2019 2018 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 67,346 8.2 % $ 66,120 8.4 % Interest-bearing checking accounts 64,156 7.7 49,209 6.3 Non interest-bearing checking accounts 12,350 1.5 13,620 1.7 Passbook, club and statement savings 87,383 10.6 91,489 11.7 Certificates maturing in six months or less 352,331 42.7 301,184 38.4 Certificates maturing in more than six months 241,933 29.3 262,636 33.5 Total $ 825,499 100.0 % $ 784,258 100.0 % Certificates of $250,000 and over totaled $29.7 million as of March 31, 2019 and $81.9 million as of September 30, 2018.

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	6 Months Ended
	Mar. 31, 2019
Debt Disclosure [Abstract]
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	7. ADVANCES FROM FEDERAL HOME LOAN BANK – SHORT TERM As of March 31, 2019 and September 30, 2018 outstanding balances and related information of short-term borrowings from the FHLB are summarized as follows: March 31, September 30, 2019 2018 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Repo Plus 12-Oct-18 2.31 % Not Applicable $ - $ 10,000 Weighted average rate 2.31 % Fixed Rate - Repo Plus 1-Apr-19 2.70 % Not Applicable $ 500 $ - Fixed Rate - Repo Plus 15-Apr-19 2.71 % Not Applicable 10,000 - Fixed Rate - Repo Plus 17-Apr-19 2.70 % Not Applicable 15,000 - Weighted average rate 2.70 % $ 25,500 $ 10,000 As of March 31, 2019, short-term advances include a $10.0 million and $15.0 million 30 day FHLB advances associated with interest rate swap contracts. The additional $500,000 at March 31, 2019 consisted of an overnight borrowing to provide additional short-term liquidity. As of September 30, 2018, there was a $10.0 million 30 day FHLB advance associated with an interest rate swap contract

ADVANCES FROM FEDERAL HOME LO_2

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM	6 Months Ended
	Mar. 31, 2019
Advances from Federal Home Loan Banks [Abstract]
ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM	8. ADVANCES FROM FEDERAL HOME LOAN BANK – LONG TERM Pursuant to collateral agreements with the FHLB of Pittsburgh, advances are secured by a blanket collateral of loans held by the Company and qualifying fixed-income securities and FHLB stock. The long-term advances outstanding as of March 31, 2019 and September 30, 2018 are as follows: Lomg-term FHLB advances: Maturity range Weighted average Stated interest rate range March 31, September 30, Description from to interest rate from to 2019 2018 (Dollars in Thousands) Fixed Rate - Amortizing 1-Oct-18 30-Sep-20 1.53 % 1.53 % 1.53 % $ 940 $ 1,639 Fixed Rate - Amortizing 1-Oct-20 30-Sep-21 2.69 % 1.94 % 2.83 % 18,851 23,288 Fixed Rate - Amortizing 1-Oct-21 30-Sep-22 2.80 % 1.99 % 3.05 % 10,299 11,848 Fixed Rate - Amortizing 1-Oct-22 30-Sep-23 2.88 % 1.94 % 3.11 % 7,746 8,550 Total 2.73 % $ 37,836 $ 45,325 Fixed Rate - Advances 1-Oct-18 30-Sep-19 2.66 % 1.40 % 2.66 % $ 3,011 $ 18,528 Fixed Rate - Advances 1-Oct-19 30-Sep-20 2.62 % 1.38 % 3.06 % 12,365 12,413 Fixed Rate - Advances 1-Oct-20 30-Sep-21 2.45 % 1.42 % 2.92 % 3,027 3,037 Fixed Rate - Advances 1-Oct-21 30-Sep-22 2.28 % 1.94 % 3.23 % 23,358 23,380 Fixed Rate - Advances 1-Oct-22 30-Sep-23 2.72 % 2.18 % 3.22 % 65,999 37,000 Fixed Rate - Advances 1-Oct-23 30-Sep-24 2.99 % 2.98 % 3.20 % 53,998 5,000 Total 2.73 % $ 161,758 $ 99,358 2.73 % Total $ 199,594 $ 144,683

DERIVATIVES

DERIVATIVES	6 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	9. DERIVATIVES The Company has contracted with a third party to participate in interest rate swap contracts. One of the swaps is a cash flow hedge associated with FHLB advances at both March 31, 2019 and September 30, 2018, while there are seven additional cash flow hedges tied to wholesale funding at March 31, 2019. These interest rate swaps involve the receipt of variable-rate amounts from a counterparty in exchange for the Company making fixed-rate payments. During the quarter ended March 31, 2019, $3,000 of expense was recognized as ineffectiveness through earnings, while $6,000 of income was recognized as ineffectiveness through earnings during the comparable period in fiscal 2018. During the six months ended March 31, 2019, $5,000 of expense was recognized as ineffectiveness through earnings, while $48,000 of income was recognized as ineffectiveness through earnings during the comparable period in 2018. There were nine interest rate swaps designated as fair value hedges involving the receipt of variable-rate payments from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements that were applicable to two loans and seven investment securities as of both March 31, 2019 and September 30, 2018. The fair value of the swaps is recorded in the other liabilities section of the statement of financial condition. Below is a summary of the interest rate swap agreements and their terms as of March 31, 2019. Hedged Notional Pay Receive Maturity Unrealized Item Amount Rate Rate Date Loss (Dollars in thousands) Interest rate swap contract FHLB Advance $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ (311 ) Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 15-Feb-27 (87 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (147 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 1-Jan-28 (275 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (69 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (252 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (165 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (160 ) Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - Interest rate swap contract 90 Day wholesale funding 20,000 2.78 % 3 Mth Libor 11-Jan-24 (492 ) Interest rate swap contract 90 Day wholesale funding 15,000 2.75 % 3 Mth Libor 18-Jan-24 (345 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.66 % 3 Mth Libor 20-Feb-24 (491 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.56 % 3 Mth Libor 28-Feb-24 (377 ) Interest rate swap contract 30 Day wholesale funding 15,000 2.51 % 1 Mth Libor 15-Feb-24 (257 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.59 % 3 Mth Libor 13-Mar-24 (409 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.51 % 3 Mth Libor 27-Mar-24 (314 ) Total $ (4,151 ) Below is a summary of the interest rate swap agreements and their terms as of September 30, 2018. Hedged Notional Pay Receive Maturity Unrealized Item Amount Rate Rate Date Gain (Loss) (Dollars in thousands) Interest rate swap contract FHLB Advance $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ 35 Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 15-Feb-27 (19 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (31 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 1-Jan-28 (57 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (14 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (52 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (32 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (32 ) Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - Total $ (202 ) All interest swaps are carried at fair value in accordance with FASB ASC 815 “Derivatives and Hedging.”

INCOME TAXES

INCOME TAXES	6 Months Ended
	Mar. 31, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	10. INCOME TAXES Items that gave rise to significant portions of deferred income taxes are as follows: March 31, September 30, 2019 2018 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,428 $ 1,445 Nonaccrual interest 619 312 Accrued vacation 4 29 Capital loss carryforward 356 356 Split dollar life insurance 8 10 Post-retirement benefits 77 85 Unrealized losses on available for sale securities 576 2,212 Unrealized losses on interest rate swaps 629 - Deferred compensation 811 838 Goodwill 75 80 Other 50 55 Employee benefit plans 330 239 Total deferred tax assets 4,963 5,661 Valuation allowance (356 ) (356 ) Total deferred tax assets, net of valuation allowance 4,607 5,305 Deferred tax liabilities: Property 127 179 Unrealized gains on interest rate swaps - 44 Purchase accounting adjustments 102 59 Deferred loan fees 266 368 Total deferred tax liabilities 495 650 Net deferred tax assets $ 4,112 $ 4,655 The Company establishes a valuation allowance for deferred tax assets when management believes that the use of the deferred tax assets is not likely to be fully realized through future reversals of existing taxable temporary differences, and/or to a lesser extent, future taxable income. The tax deduction generated by the redemption of the shares of a mutual fund held by the Bank and the subsequent impairment charge on the assets acquired through the redemption in kind are considered capital losses and can only be utilized to the extent of capital gains recognized over a five year period, resulting in the establishment of a valuation allowance for the carryforward period. The valuation allowance totaled $356,000 at both March 31, 2019, and September 30, 2018, respectively. For the six-month period ended March 31, 2019, the Company recorded income tax expense of $809,000 compared to income tax expense of $2.9 million, for the period ended March 31, 2018, which included a $1.8 million one-time non-cash charge related to a re-evaluation of the Company’s deferred tax assets as a result of the enactment of the Tax Cuts and Jobs Act in December 2017. The re-evaluation reflected the effect of the significant decline in the federal corporate income tax rate applicable to the Company. During fiscal 2018, commencing with the quarter ended December 31, 2017, the Company’s federal statutory income tax rate was 24.25% as compared to companies which are calendar year tax reporting companies whose statutory rate decreased to 21% starting January 1, 2018. Effective October 1, 2018, the Company’s federal statutory tax rate was reduced to 21%. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. The Company recognizes, when applicable, interest and penalties related to unrecognized tax benefits in the provision for income taxes in the Consolidated Statements of Operations as a component of income tax expense. During fiscal 2017, the Internal Revenue Service conducted an audit of the Company’s tax return for the year ended September 30, 2014, and no adverse findings were reported. The Company’s federal and state income tax returns for taxable years through September 30, 2014 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.

STOCK COMPENSATION PLANS

STOCK COMPENSATION PLANS	6 Months Ended
	Mar. 31, 2019
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
STOCK COMPENSATION PLANS	11. STOCK COMPENSATION PLANS The Company maintains the 2008 Recognition and Retention Plan and Trust (the “2008 RRP”) which is administered by a committee of the Board of Directors of the Company. The RRP provides for the grant of shares of common stock of the Company to officers, employees and directors of the Company. In order to fund the grant of shares under the RRP, the 2008 RRP purchased 213,528 shares (on a converted basis) of the Company’s common stock in the open market for an aggregate cost of approximately $2.5 million, at an average purchase price per share of $11.49. The Company made sufficient contributions to the 2008 RRP to fund these purchases. Shares subject to awards under the 2008 RRP generally vest at the rate of 20% per year over five years. During February 2015, shareholders approved the 2014 Stock Incentive Plan (the “2014 SIP”). As part of the 2014 SIP, a maximum of 285,655 shares of common stock can be awarded as restricted stock awards or units, of which 233,500 shares were awarded during February 2015. In August 2016, the Company granted 7,473 shares under the 2008 RRP and 3,027 shares under the 2014 SIP. In March 2017, the Company granted 17,128 shares under the 2014 SIP. In March 2018, the Company granted 8,209 shares under the 2008 RRP and 18,291 shares under the 2014 SIP. Compensation expense related to the shares subject to restricted stock awards granted is recognized ratably over the five-year vesting period in an amount which totals the grant date fair value multiplied by the number of shares subject to the grant. During the three and six months ended March 31, 2019, an aggregate of $150,000 and $307,000, respectively, was recognized in compensation expense for the grants pursuant to the 2008 RRP and the grants pursuant to the 2014 SIP. During the three and six months ended March 31, 2018, $99,000 and $250,000, respectively, was recognized in compensation expense for the grants pursuant to the 2008 RRP and the grants pursuant to the 2014 SIP. At March 31, 2019, approximately $1.1 million in additional compensation expense for unvested shares awarded related to the 2008 RRP and 2014 SIP remained unrecognized. A summary of the Company’s non-vested stock award activity for the six months ended March 31, 2019 and 2018 is presented in the following tables: Six Months Ended Number of Weighted Average Non-vested stock awards at October 1, 2018 116,916 $ 14.36 Granted - - Forfeited - - Vested (44,024 ) 13.38 Non-vested stock awards at the March 31, 2019 72,892 $ 14.95 Six Months Ended Number of Weighted Average Non-vested stock awards at October 1, 2017 142,594 $ 12.79 Granted 26,500 18.46 Forfeited 4,636 11.91 Vested (44,647 ) 12.06 Non-vested stock awards at the March 31, 2018 129,083 $ 14.17 The Company maintains the 2008 Stock Option Plan (the “2008 Option Plan”) which authorizes the grant of stock options to officers, employees and directors of the Company to acquire shares of common stock with an exercise price at least equal to the fair market value of the common stock on the grant date. Options generally become vested and exercisable at the rate of 20% per year over five years and are generally exercisable for a period of ten years after the grant date. A total of 533,808 shares of common stock were approved for future issuance pursuant to the 2008 Option Plan. As of March 31, 2019, all of the options had been awarded under the 2008 Option Plan. The 2014 SIP reserved up to 714,145 shares for issuance pursuant to options. Options to purchase 605,000 shares were awarded during February 2015. During August 2016, the Company granted 18,867 shares under the 2008 Option Plan and 8,633 shares under the 2014 SIP. In March 2017, the Company granted 22,828 shares under the 2014 SIP. In May 2017, the Company granted 24,717 shares under the 2014 SIP and 283 shares under the 2008 Option Plan. In March 2018, the Company granted 159,265 shares under the 2014 SIP and 18,235 shares under the 2008 Option Plan. A summary of the status of the Company’s stock options under the 2008 Option Plan and the 2014 SIP as of March 31, 2019 and 2018 are presented below: Six Months Ended March 31, 2019 Number of Weighted Average Outstanding at October 1, 2018 869,026 $ 13.41 Granted - - Exercised (75,694 ) 11.77 Forfeited (6,000 ) 12.23 Outstanding at March 31, 2019 787,332 $ 13.58 Exercisable at March 31, 2019 512,788 $ 12.13 Six Months Ended March 31, 2018 Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted 177,500 18.46 Exercised (37,171 ) 11.50 Forfeited (12,234 ) 11.90 Outstanding at March 31, 2018 1,050,659 $ 13.15 Exercisable at March 31, 2018 595,385 $ 11.53 The weighted average remaining contractual term was approximately 7.0 years for options outstanding as of March 31, 2019. The estimated fair value of options granted during fiscal 2009 was $2.98 per share, $2.92 for options granted during fiscal 2010, $3.34 for options granted during fiscal 2013, $4.67 for options granted during fiscal 2014, $4.58 for options granted during fiscal 2015, $2.13 for options granted during fiscal 2016, $3.18 for options granted during fiscal 2017 and $3.63 for options granted in fiscal 2018. The fair value for grants made in fiscal 2017 was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions: an exercise price range from $17.43 to $18.39, a term of seven years, a volatility of 14.37%, an interest rate of 2.22% and a yield of 0.69%. The fair value for grants made in fiscal 2018 was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions: an exercise and fair value based on the grant date market value price of $18.46, a term of seven years, a volatility rate of 15.9%, an interest rate of 2.82% and a yield rate of 1.08%. During the three and six months ended March 31, 2019, $127,000 and $277,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. During the three and six months ended March 31, 2018, $102,000 and $239,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. At March 31, 2019, there was approximately $1.1 million in additional compensation expense to be recognized for awarded options which remained outstanding and unvested at such date. The weighted average period over which this expense will be recognized is approximately 2.2 years.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	6 Months Ended
	Mar. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	12. COMMITMENTS AND CONTINGENT LIABILITIES At March 31, 2019, the Company had $58.2 million in outstanding commitments to originate loans with market interest rates ranging from 6.00% to 6.75%. At September 30, 2018, the Company had $40.4 million in outstanding commitments to originate loans with market interest rates ranging from 4.25% to 6.25%. The aggregate undisbursed portion of loans-in-process amounted to $70.5 million at March 31, 2019 and $54.5 million at September 30, 2018. The Company also had commitments under unused lines of credit of $69.7 million as of March 31, 2019 and $51.9 million as of September 30, 2018 and letters of credit outstanding of $1.6 million as of March 31, 2019 and $1.6 million as of September 30, 2018. Among the Company’s contingent liabilities are exposures to limited recourse arrangements with respect to the Company’s sales of whole loans and participation interests. At March 31, 2019, the exposure, which represents a portion of credit risk associated with the interests sold, amounted to $1.5 million related to loans sold to the FHLB. This exposure is for the life of the related loans and payables, on our proportionate share, as actual losses are incurred. These loans are seasoned loans and remain performing. The Company is involved in various legal proceedings occurring in the ordinary course of business. Management of the Company, based on discussions with litigation counsel, believes that such proceedings will not have a material adverse effect on the financial condition, operations or cash flows of the Company. However, there can be no assurance that any of the outstanding legal proceedings to which the Company is a party will not be decided adversely to the Company's interests and not have a material adverse effect on the financial condition and operations of the Company.

FAIR VALUE MEASUREMENT

FAIR VALUE MEASUREMENT	6 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENT	13. FAIR VALUE MEASUREMENT The fair value estimates presented herein are based on pertinent information available to management as of March 31, 2019 and September 30, 2018, respectively. Although management is not aware of any factors that would significantly affect the fair value amounts, such amounts have not been comprehensively revalued for purposes of these financial statements since that date and, therefore, current estimates of fair value may differ significantly from the amounts presented herein. Generally accepted accounting principles used in the United States establish a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value. The three broad levels of hierarchy are as follows: Level 1 Quoted prices in active markets for identical assets or liabilities. Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. Those assets and liabilities as of March 31, 2019 which are measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 24,822 $ - $ 24,822 State and political subdivisions - 22,793 - 22,793 Mortgage-backed securities - U.S. Government agencies - 305,717 - 305,717 Corporate bonds - 92,834 - 92,834 Equity securities 72 - - 72 Total $ 72 $ 446,166 $ - $ 446,238 Liabilities Interest rate swap contracts $ - $ 4,141 $ - $ 4,141 Total $ - $ 4,141 $ - $ 4,141 Those assets as of September 30, 2018 which are measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 24,171 $ - $ 24,171 State and political subdivisions - 21,536 - 21,536 Mortgage-backed securities - U.S. Government agencies - 187,360 - 187,360 Corporate bonds - 73,083 - 73,083 FHLMC preferred stock 37 - - 37 Interest rate swap contracts - 225 - 225 Total $ 37 $ 306,375 $ - $ 306,412 Certain assets are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The Company measures impaired loans and real estate owned at fair value on a non-recurring basis. Impaired Loans The Company considers loans to be impaired when it becomes more likely than not that the Company will be unable to collect all amounts due (principle and interest) in accordance with the contractual terms of the loan agreements. Collateral dependent impaired loans are based on the fair value of the collateral which is based on appraisals and would be categorized as Level 2 measurement. In some cases, adjustments are made to the appraised values for various factors including the age of the appraisal, age of the comparables included in the appraisal, and known changes in the market and in the collateral. These adjustments are based upon unobservable inputs, and therefore, the fair value measurement has been categorized as a Level 3 measurement. These loans are reviewed for impairment and written down to their net realizable value by charges against the allowance for loan losses. The collateral underlying these loans had a fair value of approximately $16.1 million as of March 31, 2019. Other Real Estate Owned Once an asset is determined to be uncollectible, the underlying collateral is generally repossessed and reclassified to foreclosed real estate and repossessed assets. These repossessed assets are carried at the lower of cost or fair value of the collateral, based on independent appraisals, less cost to sell and would be categorized as Level 2 measurement. In some cases, adjustments are made to the appraised values for various factors including age of the appraisal, age of the comparable included in the appraisal, and known changes in the market and in the collateral. As a result, the evaluations are based upon unobservable inputs, and therefore, the fair value measurement has been categorized as a Level 3 measurement. Summary of Non-Recurring Fair Value Measurements At March 31, 2019 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,073 $ 16,073 Other real estate owned - - 423 423 Total $ - $ - $ 16,496 $ 16,496 At September 30, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,048 $ 16,048 Other real estate owned - - 1,026 1,026 Total $ - $ - $ 17,074 $ 17,074 The following table provides information describing the valuation processes used to determine nonrecurring fair value measurements categorized within Level 3 of the fair value hierarchy: At March 31, 2019 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,073 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 8% discount/ 6% Other real estate owned $ 423 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount At September 30, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,048 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 8% discount/ 6% Other real estate owned $ 1,026 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 18% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various Level 3 inputs, which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. (3) Includes qualitative adjustments by management and estimated liquidation expenses. The fair value of financial instruments has been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is necessarily required to interpret market data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. Fair Value Measurements at March 31, 2019 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 50,593 $ 50,593 $ 50,593 $ - $ - Certificates of deposit 2,351 2,351 2,351 - - Investment and mortgage-backed securities available for sale 446,166 446,166 - 446,166 - Equity securities 72 72 72 Investment and mortgage-backed securities held to maturity 57,361 56,159 - 56,159 - Loans receivable, net 581,555 578,091 - - 578,091 Accrued interest receivable 4,314 4,314 4,314 - - Restricted bank stock 10,383 10,383 10,383 - - Bank owned life insurance 28,996 28,996 28,996 - - Liabilities: Checking accounts 76,506 76,506 76,506 - - Money market deposit accounts 67,346 67,346 67,346 - - Passbook, club and statement savings accounts 87,383 87,383 87,383 - - Certificates of deposit 594,264 605,324 - - 605,324 Advances from FHLB short-term 25,500 25,500 25,500 - Advances from FHLB long-term 199,594 201,289 - - 201,289 Accrued interest payable 2,814 2,814 2,814 - - Advances from borrowers for taxes and insurance 2,260 2,260 2,260 - - Interest rate swap contracts 4141 4141 - 4141 - Fair Value Measurements at September 30, 2018 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 48,171 $ 48,171 $ 48,171 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 306,187 306,187 37 306,150 - Investment and mortgage-backed securities held to maturity 59,852 55,927 - 55,927 - Loans receivable, net 602,932 598,596 - - 598,596 Accrued interest receivable 3,825 3,825 3,825 - - Restricted bank stock 7,585 7,585 7,585 - - Interest rate swap contracts 225 225 - 225 - Bank owned life insurance 28,691 28,691 28,691 - - Liabilities: Checking accounts 62,886 62,886 62,886 - - Money market deposit accounts 60,686 60,686 60,686 - - Passbook, club and statement savings accounts 96,866 96,866 96,866 - - Certificates of deposit 563,820 569,375 - - 569,375 Advances from FHLB -short-term 10,000 10,000 10,000 - - Advances from FHLB -long-term 144,683 141,116 - - 141,116 Accrued interest payable 3,232 3,232 3,232 - - Advances from borrowers for taxes and insurance 2,083 2,083 2,083 - - Cash and Cash Equivalents Investments and Mortgage-Backed Securities — Loans Receivable — Fair Value Measurements Accrued Interest Receivable – Restricted Bank (FHLB & ACBB) Stock — Bank Owned Life Insurance — Checking Accounts, Money Market Deposit Accounts, Passbook Accounts, Club Accounts, Statement Savings Accounts, and Certificates of Deposit — Short-term advances from Federal Home Loan Bank — Long-term advances from Federal Home Loan Bank — Accrued Interest Payable – Interest Rate Swaps – Advances from Borrowers for Taxes and Insurance – Commitments to Extend Credit and Letters of Credit —

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	6 Months Ended
	Mar. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	14. GOODWILL AND OTHER INTANGIBLE ASSETS The Company’s goodwill and intangible assets are related to the acquisition of Polonia Bancorp on January 1, 2017. Balance Additions/ Balance Amortization 2018 Adjustments Amortization 2019 Period Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 571 - (63 ) 508 10 years $ 6,673 $ - $ (63 ) $ 6,610 As of March 31, 2019, the current fiscal year and the future fiscal periods amortization expense for the core deposit intangible is: (In Thousands) 2019 $ 60 2020 108 2021 93 2022 78 2023 64 Thereafter 105 Total $ 508

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation –
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements —
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting Pronouncements Effective October 1, 2018, the Company adopted ASU 2014-09 Revenue from Contracts with Customers – Topic 606 Management determined that the primary sources of revenue emanating from interest and dividend income on loans and securities along with noninterest revenue resulting from investment security gains, loan servicing, gains on the sale of loans, commitment fees, fees from financial guarantees, certain credit cards fees, and income on bank-owned life insurance are not within the scope of ASC 606. As a result, no changes were made during the period related to these sources of revenue, which cumulatively comprise 98 percent of the total revenue of the Company. Services within the scope of ASC 606 include income from service charges on deposit accounts, other service income, ATM fees and gain on sale of OREO, net. For these accounts, fees are related to specific customer transactions and are attributable to specific performance obligations of the Bank where the revenue is recognized at a defined point in time, completion of the requested service/transaction. Effective October 1, 2018, the Company adopted ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities Recent Accounting Pronouncements In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). In June 2018, the FASB issued ASU 2018-07, Compensation – Stock Compensation (Topic 718) In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes the Disclosure Requirements for Fair Value Measurements In October 2018, the FASB issued ASU 2018-16 , Derivatives and Hedging (Topic 815) In March 2019, the FASB issued ASU 2019-01, Leases (Topic 842): Codification Improvements, In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, w

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	6 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Three Months Ended March 31, 2019 2018 Basic Diluted Basic Diluted (Dollars in Thousands, Except Share and Per Share Data) Net income $ 2,340 $ 2,340 $ 2,157 $ 2,157 Weighted average shares outstanding 8,777,252 8,777,252 8,851,805 8,851,805 Effect of common stock equivalents - 144,309 - 326,295 Adjusted weighted average shares used in earnings per share computation 8,777,252 8,921,561 8,851,805 9,178,100 Earnings per share - basic and diluted $ 0.27 $ 0.26 $ 0.24 $ 0.24 Six Months Ended March 31, 2019 2018 Basic Diluted Basic Diluted (Dollars in Thousands, Except Share and Per Share Data) Net income $ 4,314 $ 4,314 $ 2,191 $ 2,191 Weighted average shares outstanding 8,790,822 8,790,822 8,853,479 8,853,479 Effect of common stock equivalents - 131,262 - 351,436 Adjusted weighted average shares used in earnings per share computation 8,790,822 8,922,084 8,853,479 9,204,915 Earnings per share - basic and diluted $ 0.49 $ 0.48 $ 0.25 $ 0.24

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)	6 Months Ended
	Mar. 31, 2019
Accumulated Other Comprehensive Income [Abstract]
Schedule of changes in accumulated other comprehensive (loss) income	Three Months Ended March 31, Three Months Ended March 31, 2019 2019 2019 2018 2018 2018 (Dollars in Thousands) Unrealized on AFS securities (a) Unrealized gain (loss) swaps (a) Total other comprehensive (loss) income Unrealized on AFS securities (a) Unrealized on interest rate swaps (a) Total other comprehensive (loss) income Beginning balance, January 1 $ (5,615 ) $ (418 ) $ (6,033 ) $ (2,125 ) $ 360 $ (1,765 ) Other comprehensive (loss) income before reclassifications 3,572 (1,947 ) 1,625 (2,840 ) 150 (2,690 ) Total (2,043 ) (2,365 ) (4,408 ) (4,965 ) 510 (4,455 ) Reclassification from adoption of ASU 2016-01 (25 ) - (25 ) - - - Reclassification for net gains recorded in net income (92 ) - (92 ) - - - Ending Balance, March 31 $ (2,160 ) $ (2,365 ) $ (4,525 ) $ (4,965 ) $ 510 $ (4,455 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents the changes in accumulated other comprehensive (loss) income by component, net of tax for the periods presented: Six Months Ended March 31, Six Months Ended March 31, 2019 2019 2019 2018 2018 2018 (Dollars in Thousands) Unrealized Unrealized Total Unrealized Unrealized Total Beginning balance, October 1 $ (8,320 ) $ 166 $ (8,154 ) $ (1,091 ) $ 331 $ (760 ) Other comprehensive (loss) income before reclassification 6,277 (2,531 ) 3,746 (3,571 ) 179 (3,392 ) Total (2,043 ) (2,365 ) (4,408 ) (4,662 ) 510 (4,152 ) Reclassification from adoption of ASU 2016-01 (25 ) - (25 ) Reclassification for net gains recorded in net income (92 ) - (92 ) (303 ) - (303 ) Ending Balance, March 31 $ (2,160 ) $ (2,365 ) $ (4,525 ) $ (4,965 ) $ 510 $ (4,455 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits.

INVESTMENT AND MORTGAGE-BACKE_2

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Tables)	6 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities, with gross unrealized gains and losses	March 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,253 $ - $ (431 ) $ 24,822 Mortgage-backed securities - U.S. government agencies 307,219 1,859 (3,361 ) 305,717 State and political subdivisions 23,206 742 (1,155 ) 22,793 Corporate bonds 93,229 436 (831 ) 92,834 Total securities available for sale $ 448,907 $ 3,037 $ (5,778 ) $ 446,166 Securities Held to Maturity: U.S. government and agency obligations $ 31,500 $ 127 $ (1,669 ) $ 29,958 Mortgage-backed securities - U.S. government agencies 5,337 166 (53 ) 5,450 State and political subdivisions 20,524 356 (129 ) 20,751 Total securities held to maturity $ 57,361 $ 649 $ (1,851 ) $ 56,159 March 31, 2019 Amortized Gross Gross Fair Cost Gains Losses Value (Dollars in Thousands) Equity securities FHLMC preferred stock $ 6 $ 66 $ - $ 72 Total equity securities $ 6 $ 66 $ 72 September 30, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,562 $ - $ (1,391 ) $ 24,171 State and political subdivisions 22,078 - (542 ) 21,536 Mortgage-backed securities - U.S. government agencies 193,451 77 (6,168 ) 187,360 Corporate bonds 75,622 - (2,539 ) 73,083 Total debt securities available for sale 316,713 77 (10,640 ) 306,150 FHLMC preferred stock 6 31 - 37 Total securities available for sale $ 316,719 $ 108 $ (10,640 ) $ 306,187 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 85 $ (3,311 ) $ 30,274 State and political subdivisions 20,574 2 (696 ) 19,880 Mortgage-backed securities - U.S. government agencies 5,778 148 (153 ) 5,773 Total securities held to maturity $ 59,852 $ 235 $ (4,160 ) $ 55,927
Schedule of gross unrealized losses and related fair values of investment securities	The following table shows the gross unrealized losses and related fair values of the Company’s investment and mortgage-backed securities, aggregated by investment category and length of time that individual securities had been in a continuous loss position as of March 31, 2019: Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ - $ - $ (431 ) $ 24,822 $ (431 ) $ 24,822 Mortgage-backed securities - U.S. government agencies (233 ) 31,387 (3,128 ) 106,545 (3,361 ) 137,932 State and political subdivisions (1,155 ) 22,793 - - (1,155 ) 22,793 Corporate bonds (123 ) 15,120 (708 ) 37,520 (831 ) 52,640 Total securities available for sale $ (1,511 ) $ 69,300 $ (4,267 ) $ 168,887 $ (5,778 ) $ 238,187 Securities Held to Maturity: U.S. government and agency obligations $ (1,669 ) $ 28,831 $ - $ - $ (1,669 ) $ 28,831 Mortgage-backed securities - U.S. government agencies - - (53 ) 2,034 (53 ) 2,034 State and political subdivisions - - (129 ) 6,944 (129 ) 6,944 Total securities held to maturity $ (1,669 ) $ 28,831 $ (182 ) $ 8,978 $ (1,851 ) $ 37,809 Total $ (3,180 ) $ 98,131 $ (4,449 ) $ 177,865 $ (7,629 ) $ 275,996 The following table shows the gross unrealized losses and related fair values of the Company’s investment securities, aggregated by investment category and length of time that individual securities had been in a continuous loss position as of September 30, 2018: Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (89 ) $ 4,479 $ (1,302 ) $ 19,692 $ (1,391 ) $ 24,171 Mortgage-backed securities - U.S. government agencies (1,821 ) 92,851 (4,347 ) 86,268 (6,168 ) 179,119 State and political subdivisions (542 ) 21,536 - - (542 ) 21,536 Corporate debt securities (1,719 ) 58,753 (820 ) 14,330 (2,539 ) 73,083 Total debt securities available for sale $ (4,171 ) $ 177,619 $ (6,469 ) $ 120,290 $ (10,640 ) $ 297,909 Securities Held to Maturity: U.S. government and agency obligations $ - $ - $ (3,311 ) $ 27,190 $ (3,311 ) $ 27,190 Mortgage-backed securities - U.S. government agencies (106 ) 2,630 (46 ) 930 (152 ) 3,560 State and political subdivisions (234 ) 11,238 (463 ) 6,618 (697 ) 17,856 Total securities held to maturity $ (340 ) $ 13,868 $ (3,820 ) $ 34,738 $ (4,160 ) $ 48,606 Total $ (4,511 ) $ 191,487 $ (10,289 ) $ 155,028 $ (14,800 ) $ 346,515
Schedule of amortized cost and fair value of debt securities by contractual maturity	March 31, 2019 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 1,704 $ 1,715 $ 5,256 $ 5,168 Due after five through ten years 23,736 23,712 7,511 7,434 Due after ten years 26,584 25,282 128,921 127,847 Total $ 52,024 $ 50,709 $ 141,688 $ 140,449

LOANS RECEIVABLE (Tables)

LOANS RECEIVABLE (Tables)	6 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Schedule of loans receivable	March 31, September 30, 2019 2018 (Dollars in Thousands) One-to-four family residential $ 299,323 $ 324,865 Multi-family residential 35,094 34,355 Commercial real estate 128,252 119,511 Construction and land development 168,465 160,228 Loans to financial institutions 6,000 6,000 Commercial business 20,934 17,792 Leases 1,139 1,687 Consumer 891 953 Total loans 660,098 665,391 Undisbursed portion of loans-in-process (70,462 ) (54,474 ) Deferred loan fees (net) (2,854 ) (2,818 ) Allowance for loan losses (5,227 ) (5,167 ) Net loans $ 581,555 $ 602,932
Schedule of loans individually and collectively evaluated for impairment by loan segment	The following table summarizes by loan segment the balance in the allowance for loan losses and the loans individually and collectively evaluated for impairment by loan segment at March 31, 2019: One- to- Multi- Commercial Construction Loans to Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,314 385 1,342 1,370 68 235 13 20 480 5,227 Total ending allowance balance $ 1,314 $ 385 $ 1,342 $ 1,370 $ 68 $ 235 $ 13 $ 20 $ 480 $ 5,227 Loans: Individually evaluated for impairment $ 4,830 $ 287 $ 2,196 $ 8,750 $ - $ - $ - $ 10 $ 16,073 Collectively evaluated for impairment 294,493 34,807 126,056 159,715 6,000 20,934 1,139 881 644,025 Total loans $ 299,323 $ 35,094 $ 128,252 $ 168,465 $ 6,000 $ 20,934 $ 1,139 $ 891 $ 660,098 The following table summarizes by loan segment the balance in the allowance for loan losses and the loans individually and collectively evaluated for impairment by loan segment at September 30, 2018: One- to- Multi- Commercial Construction Loans to Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,343 347 1,154 1,554 64 187 18 18 482 5,167 Total ending allowance balance $ 1,343 $ 347 $ 1,154 $ 1,554 $ 64 $ 187 $ 18 $ 18 $ 482 $ 5,167 Loans: Individually evaluated for impairment $ 5,081 $ 298 $ 1,919 $ 8,750 $ - $ - $ - $ - $ 16,048 Collectively evaluated for impairment 319,784 34,057 117,592 151,478 6,000 17,792 1,687 953 649,343 Total loans $ 324,865 $ 34,355 $ 119,511 $ 160,228 $ 6,000 $ 17,792 $ 1,687 $ 953 $ 665,391
Schedule of impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required	The following table presents impaired loans by class as of March 31, 2019, segregated by those for which a specific allowance was required and those for which a specific allowance was not required. Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 4,830 $ 4,830 $ 5,178 Multi-family residential - - 287 287 287 Commercial real estate - - 2,196 2,196 2,357 Construction and land development - - 8,750 8,750 11,131 Consumer - - 10 10 10 Total impaired loans $ - $ - $ 16,073 $ 16,073 $ 18,963 The following table presents impaired loans by class as of September 30, 2018, segregated by those for which a specific allowance was required and those for which a specific allowance was not required. Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 5,081 $ 5,081 $ 5,432 Multi-family - - 298 298 298 Commercial real estate - - 1,919 1,919 2,057 Construction and land development - - 8,750 8,750 11,131 Total impaired loans $ - $ - $ 16,048 $ 16,048 $ 18,918
Schedule of average investment in impaired loans and related interest income recognized	Three Months Ended March 31, 2019 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 4,952 $ 21 $ 5 Multi-family residential 290 5 - Commercial real estate 2,202 10 1 Construction and land development 8,752 - - Consumer 10 - - Total impaired loans $ 16,205 $ 36 $ 6 T hree Months Ended March 31, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 9,777 $ 43 $ - Multi-family residential 311 5 - Commercial real estate 3,316 29 - Construction and land development 8,744 - - Consumer 10 - - Total impaired loans $ 22,158 $ 77 $ - Six Months Ended March 31, 2019 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 5,055 $ 44 $ 10 Multi-family residential 293 10 - Commercial real estate 2,133 20 2 Construction and land development 8,752 - - Consumer 8 - - Total impaired loans $ 16,242 $ 74 $ 12 Six Months Ended March 31, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 8,521 $ 77 $ 4 Multi-family residential 316 11 - Commercial real estate 2,942 58 - Construction and land development 8,879 - - Consumer 10 - - Total impaired loans $ 20,668 $ 146 $ 4
Schedule of classes of the loan portfolio in which a formal risk weighting system is utilized	March 31, 2019 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 291,751 $ 2,742 $ 4,830 $ 299,323 Multi-family residential 34,481 326 287 35,094 Commercial real estate 121,958 4,098 2,196 128,252 Construction and land development 159,715 - 8,750 168,465 Loans to financial institutions 6,000 - - 6,000 Commercial business 20,934 - - 20,934 Total loans $ 634,839 $ 7,166 $ 16,063 $ 658,068 September 30, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 317,033 $ 2,751 $ 5,081 $ 324,865 Multi-family residential 34,057 - 298 34,355 Commercial real estate 115,670 1,922 1,919 119,511 Construction and land development 151,478 - 8,750 160,228 Loans to financial institutions 6,000 - - 6,000 Commercial business 17,792 - - 17,792 Total loans $ 642,030 $ 4,673 $ 16,048 $ 662,751
Schedule of loans in which a formal risk rating system is not utilized, but loans are segregated between performing and non-performing	March 31, 2019 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 296,034 $ 3,289 $ 299,323 Leases 1,139 - 1,139 Consumer 891 - 891 Total loans $ 298,064 $ 3,289 $ 301,353 September 30, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 321,853 $ 3,012 $ 324,865 Leases 1,687 - 1,687 Consumer 953 - 953 Total loans $ 324,493 $ 3,012 $ 327,505
Schedule of loan categories of the loan portfolio summarized by the aging categories of performing and delinquent loans and nonaccrual loans	March 31, 2019 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 295,160 $ 993 $ 3,170 $ 4,163 $ 299,323 $ 3,289 $ - Multi-family residential 34,934 160 - 160 35,094 - - Commercial real estate 126,777 - 1,475 1,475 128,252 1,475 - Construction and land development 159,715 - 8,750 8,750 168,465 8,750 - Financial institutions 6,000 - - - 6,000 - - Commercial business 20,934 - - - 20,934 - - Leases 1,139 - - - 1,139 - - Consumer 783 108 - 108 891 - - Total loans $ 645,442 $ 1,261 $ 13,395 $ 14,656 $ 660,098 $ 13,514 $ - September 30, 2018 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 321,749 $ 1,037 $ 2,079 $ 3,116 $ 324,865 $ 3,012 $ - Multi-family residential 34,355 - - - 34,355 - - Commercial real estate 117,335 722 1,454 2,176 119,511 1,627 - Construction and land development 151,478 - 8,750 8,750 160,228 8,750 - Commercial business 17,792 - - - 17,792 - - Loans to financial institutions 6,000 - - - 6,000 - - Leases 1,687 - - - 1,687 - - Consumer 837 116 - 116 953 - - Total loans $ 651,233 $ 1,875 $ 12,283 $ 14,158 $ 665,391 $ 13,389 $ -
Schedule of primary segments of the allowance for loan losses, segmented into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment.	Three Months Ended March 31, 2019 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at December 31, 2018 $ 1,427 $ 372 $ 1,147 $ 1,445 $ 67 $ 193 $ 16 $ 13 $ 487 $ 5,167 Charge-offs - - - - - - - - - - Recoveries 60 - - - - - - - - 60 Provision (173 ) 13 195 (75 ) 1 42 (3 ) 7 (7 ) - ALLL balance at March 31, 2019 $ 1,314 $ 385 $ 1,342 $ 1,370 $ 68 $ 235 $ 13 $ 20 $ 480 $ 5,227 Six Months Ended March 31, 2019 One- to four-family residential Multi- family residential Commercial real estate Construction and land development Financial institutions Commercial business Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2018 $ 1,343 $ 347 $ 1,154 $ 1,554 $ 64 $ 187 $ 18 $ 18 $ 482 $ 5,167 Charge-offs - - - - - - - - - - Recoveries 60 - - - - - - - - 60 Provision (89 ) 38 188 (184 ) 4 48 (5 ) 2 (2 ) - ALLL balance at March 31, 2019 $ 1,314 $ 385 $ 1,342 $ 1,370 $ 68 $ 235 $ 13 $ 20 $ 480 $ 5,227 Three Months Ended March 31, 2018 One- to four-family residential Multi- family residential Commercial real estate Construction and land development Financial institutions Commercial business Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at December 31, 2017 $ 1,270 $ 158 $ 1,064 $ 1,621 $ - $ 26 $ 20 $ 24 $ 493 $ 4,676 Charge-offs - - - (12 ) - - - - - (12 ) Recoveries 27 - - - - - - - - 27 Provision 11 47 19 (144 ) 62 80 9 73 (7 ) 150 ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Six Months Ended March 31, 2018 One- to four-family residential Multi- family residential Commercial real estate Construction and land development Financial institutions Commercial business Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2017 $ 1,241 $ 205 $ 1,201 $ 1,358 $ - $ 4 $ 23 $ 24 $ 410 $ 4,466 Charge-offs - - - (12 ) - - - - - (12 ) Recoveries 27 - - - - - - - - 27 Provision 40 - (118 ) 119 62 102 6 73 76 360 ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841

DEPOSITS (Tables)

DEPOSITS (Tables)	6 Months Ended
	Mar. 31, 2019
Deposits [Abstract]
Schedule of major classifications of deposits	March 31, September 30, 2019 2018 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 67,346 8.2 % $ 66,120 8.4 % Interest-bearing checking accounts 64,156 7.7 49,209 6.3 Non interest-bearing checking accounts 12,350 1.5 13,620 1.7 Passbook, club and statement savings 87,383 10.6 91,489 11.7 Certificates maturing in six months or less 352,331 42.7 301,184 38.4 Certificates maturing in more than six months 241,933 29.3 262,636 33.5 Total $ 825,499 100.0 % $ 784,258 100.0 %

ADVANCES FROM FEDERAL HOME LO_3

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Tables)	6 Months Ended
	Mar. 31, 2019
Debt Disclosure [Abstract]
Schedule of short-term borrowings from the FHLB	March 31, September 30, 2019 2018 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Repo Plus 12-Oct-18 2.31 % Not Applicable $ - $ 10,000 Weighted average rate 2.31 % Fixed Rate - Repo Plus 1-Apr-19 2.70 % Not Applicable $ 500 $ - Fixed Rate - Repo Plus 15-Apr-19 2.71 % Not Applicable 10,000 - Fixed Rate - Repo Plus 17-Apr-19 2.70 % Not Applicable 15,000 - Weighted average rate 2.70 % $ 25,500 $ 10,000

ADVANCES FROM FEDERAL HOME LO_4

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Tables)	6 Months Ended
	Mar. 31, 2019
Advances from Federal Home Loan Banks [Abstract]
Schedule of collateral agreement with the FHLB	Lomg-term FHLB advances: Maturity range Weighted average Stated interest rate range March 31, September 30, Description from to interest rate from to 2019 2018 (Dollars in Thousands) Fixed Rate - Amortizing 1-Oct-18 30-Sep-20 1.53 % 1.53 % 1.53 % $ 940 $ 1,639 Fixed Rate - Amortizing 1-Oct-20 30-Sep-21 2.69 % 1.94 % 2.83 % 18,851 23,288 Fixed Rate - Amortizing 1-Oct-21 30-Sep-22 2.80 % 1.99 % 3.05 % 10,299 11,848 Fixed Rate - Amortizing 1-Oct-22 30-Sep-23 2.88 % 1.94 % 3.11 % 7,746 8,550 Total 2.73 % $ 37,836 $ 45,325 Fixed Rate - Advances 1-Oct-18 30-Sep-19 2.66 % 1.40 % 2.66 % $ 3,011 $ 18,528 Fixed Rate - Advances 1-Oct-19 30-Sep-20 2.62 % 1.38 % 3.06 % 12,365 12,413 Fixed Rate - Advances 1-Oct-20 30-Sep-21 2.45 % 1.42 % 2.92 % 3,027 3,037 Fixed Rate - Advances 1-Oct-21 30-Sep-22 2.28 % 1.94 % 3.23 % 23,358 23,380 Fixed Rate - Advances 1-Oct-22 30-Sep-23 2.72 % 2.18 % 3.22 % 65,999 37,000 Fixed Rate - Advances 1-Oct-23 30-Sep-24 2.99 % 2.98 % 3.20 % 53,998 5,000 Total 2.73 % $ 161,758 $ 99,358 2.73 % Total $ 199,594 $ 144,683

DERIVATIVES (Tables)

DERIVATIVES (Tables)	6 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of interest rate swap agreements and the terms	Below is a summary of the interest rate swap agreements and their terms as of March 31, 2019. Hedged Notional Pay Receive Maturity Unrealized Item Amount Rate Rate Date Loss (Dollars in thousands) Interest rate swap contract FHLB Advance $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ (311 ) Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 15-Feb-27 (87 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (147 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 1-Jan-28 (275 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (69 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (252 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (165 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (160 ) Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - Interest rate swap contract 90 Day wholesale funding 20,000 2.78 % 3 Mth Libor 11-Jan-24 (492 ) Interest rate swap contract 90 Day wholesale funding 15,000 2.75 % 3 Mth Libor 18-Jan-24 (345 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.66 % 3 Mth Libor 20-Feb-24 (491 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.56 % 3 Mth Libor 28-Feb-24 (377 ) Interest rate swap contract 30 Day wholesale funding 15,000 2.51 % 1 Mth Libor 15-Feb-24 (257 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.59 % 3 Mth Libor 13-Mar-24 (409 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.51 % 3 Mth Libor 27-Mar-24 (314 ) Total $ (4,151 ) Below is a summary of the interest rate swap agreements and their terms as of September 30, 2018. Hedged Notional Pay Receive Maturity Unrealized Item Amount Rate Rate Date Gain (Loss) (Dollars in thousands) Interest rate swap contract FHLB Advance $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ 35 Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 15-Feb-27 (19 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (31 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 1-Jan-28 (57 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (14 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (52 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (32 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (32 ) Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - Total $ (202 )

INCOME TAXES (Tables)

INCOME TAXES (Tables)	6 Months Ended
	Mar. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of deferred income taxes	March 31, September 30, 2019 2018 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,428 $ 1,445 Nonaccrual interest 619 312 Accrued vacation 4 29 Capital loss carryforward 356 356 Split dollar life insurance 8 10 Post-retirement benefits 77 85 Unrealized losses on available for sale securities 576 2,212 Unrealized losses on interest rate swaps 629 - Deferred compensation 811 838 Goodwill 75 80 Other 50 55 Employee benefit plans 330 239 Total deferred tax assets 4,963 5,661 Valuation allowance (356 ) (356 ) Total deferred tax assets, net of valuation allowance 4,607 5,305 Deferred tax liabilities: Property 127 179 Unrealized gains on interest rate swaps - 44 Purchase accounting adjustments 102 59 Deferred loan fees 266 368 Total deferred tax liabilities 495 650 Net deferred tax assets $ 4,112 $ 4,655

STOCK COMPENSATION PLANS (Table

STOCK COMPENSATION PLANS (Tables)	6 Months Ended
	Mar. 31, 2019
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
Schedule of summary of the non-vested stock award activity	Six Months Ended Number of Weighted Average Non-vested stock awards at October 1, 2018 116,916 $ 14.36 Granted - - Forfeited - - Vested (44,024 ) 13.38 Non-vested stock awards at the March 31, 2019 72,892 $ 14.95 Six Months Ended Number of Weighted Average Non-vested stock awards at October 1, 2017 142,594 $ 12.79 Granted 26,500 18.46 Forfeited 4,636 11.91 Vested (44,647 ) 12.06 Non-vested stock awards at the March 31, 2018 129,083 $ 14.17
Schedule of summary of the status of the company' stock options under the stock option plan	Six Months Ended March 31, 2019 Number of Weighted Average Outstanding at October 1, 2018 869,026 $ 13.41 Granted - - Exercised (75,694 ) 11.77 Forfeited (6,000 ) 12.23 Outstanding at March 31, 2019 787,332 $ 13.58 Exercisable at March 31, 2019 512,788 $ 12.13 Six Months Ended March 31, 2018 Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted 177,500 18.46 Exercised (37,171 ) 11.50 Forfeited (12,234 ) 11.90 Outstanding at March 31, 2018 1,050,659 $ 13.15 Exercisable at March 31, 2018 595,385 $ 11.53

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	6 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on recurring basis	Those assets and liabilities as of March 31, 2019 which are measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 24,822 $ - $ 24,822 State and political subdivisions - 22,793 - 22,793 Mortgage-backed securities - U.S. Government agencies - 305,717 - 305,717 Corporate bonds - 92,834 - 92,834 Equity securities 72 - - 72 Total $ 72 $ 446,166 $ - $ 446,238 Liabilities Interest rate swap contracts $ - $ 4,141 $ - $ 4,141 Total $ - $ 4,141 $ - $ 4,141 Those assets as of September 30, 2018 which are measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 24,171 $ - $ 24,171 State and political subdivisions - 21,536 - 21,536 Mortgage-backed securities - U.S. Government agencies - 187,360 - 187,360 Corporate bonds - 73,083 - 73,083 FHLMC preferred stock 37 - - 37 Interest rate swap contracts - 225 - 225 Total $ 37 $ 306,375 $ - $ 306,412
Schedule of summary of non-recurring fair value measurements	At March 31, 2019 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,073 $ 16,073 Other real estate owned - - 423 423 Total $ - $ - $ 16,496 $ 16,496 At September 30, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,048 $ 16,048 Other real estate owned - - 1,026 1,026 Total $ - $ - $ 17,074 $ 17,074
Schedule of nonrecurring fair value measurements categorized within level 3 of the fair value hierarchy	At March 31, 2019 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,073 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 8% discount/ 6% Other real estate owned $ 423 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount At September 30, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,048 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 8% discount/ 6% Other real estate owned $ 1,026 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 18% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various Level 3 inputs, which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. (3) Includes qualitative adjustments by management and estimated liquidation expenses.
Schedule of the estimated fair value amounts	Fair Value Measurements at March 31, 2019 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 50,593 $ 50,593 $ 50,593 $ - $ - Certificates of deposit 2,351 2,351 2,351 - - Investment and mortgage-backed securities available for sale 446,166 446,166 - 446,166 - Equity securities 72 72 72 Investment and mortgage-backed securities held to maturity 57,361 56,159 - 56,159 - Loans receivable, net 581,555 578,091 - - 578,091 Accrued interest receivable 4,314 4,314 4,314 - - Restricted bank stock 10,383 10,383 10,383 - - Bank owned life insurance 28,996 28,996 28,996 - - Liabilities: Checking accounts 76,506 76,506 76,506 - - Money market deposit accounts 67,346 67,346 67,346 - - Passbook, club and statement savings accounts 87,383 87,383 87,383 - - Certificates of deposit 594,264 605,324 - - 605,324 Advances from FHLB short-term 25,500 25,500 25,500 - Advances from FHLB long-term 199,594 201,289 - - 201,289 Accrued interest payable 2,814 2,814 2,814 - - Advances from borrowers for taxes and insurance 2,260 2,260 2,260 - - Interest rate swap contracts 4141 4141 - 4141 - Fair Value Measurements at September 30, 2018 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 48,171 $ 48,171 $ 48,171 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 306,187 306,187 37 306,150 - Investment and mortgage-backed securities held to maturity 59,852 55,927 - 55,927 - Loans receivable, net 602,932 598,596 - - 598,596 Accrued interest receivable 3,825 3,825 3,825 - - Restricted bank stock 7,585 7,585 7,585 - - Interest rate swap contracts 225 225 - 225 - Bank owned life insurance 28,691 28,691 28,691 - - Liabilities: Checking accounts 62,886 62,886 62,886 - - Money market deposit accounts 60,686 60,686 60,686 - - Passbook, club and statement savings accounts 96,866 96,866 96,866 - - Certificates of deposit 563,820 569,375 - - 569,375 Advances from FHLB -short-term 10,000 10,000 10,000 - - Advances from FHLB -long-term 144,683 141,116 - - 141,116 Accrued interest payable 3,232 3,232 3,232 - - Advances from borrowers for taxes and insurance 2,083 2,083 2,083 - -

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	6 Months Ended
	Mar. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill and intangible assets are related to the acquisition of Polonia Bancorp	Balance Additions/ Balance Amortization 2018 Adjustments Amortization 2019 Period Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 571 - (63 ) 508 10 years $ 6,673 $ - $ (63 ) $ 6,610
Schedule of future fiscal periods amortization expense for core deposit intangible	(In Thousands) 2019 $ 60 2020 108 2021 93 2022 78 2023 64 Thereafter 105 Total $ 508

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES (Detail Textuals)	6 Months Ended
	Mar. 31, 2019Branch
Significant Accounting Policies [Line Items]
Number of full service branch offices	9
Number of banking offices	10
ASU 2016-02, Leases (Topic 842)
Significant Accounting Policies [Line Items]
Description of increase in assets and liabilities due to change in new accounting principle	less than a one percent
ASU 2014-09 Revenue from Contracts with Customers
Significant Accounting Policies [Line Items]
Percent of cumulatively total revenue	98.00%
Philadelphia (Philadelphia County)
Significant Accounting Policies [Line Items]
Number of full service branch offices	8
Drexel Hill, Delaware County, Pennsylvania
Significant Accounting Policies [Line Items]
Number of full service branch offices	1
Huntingdon Valley, Montgomery County
Significant Accounting Policies [Line Items]
Number of full service branch offices	1

EARNINGS PER SHARE - Calculated

EARNINGS PER SHARE - Calculated basic and diluted earnings per share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Earnings per share - basic
Net income	$ 2,340	$ 2,157	$ 4,314	$ 2,191
Weighted average shares outstanding - basic	8,777,252	8,851,805	8,790,822	8,853,479
Effect of common stock equivalents - basic	0	0	0	0
Adjusted weighted average shares used in earnings per share computation - basic	8,777,252	8,851,805	8,790,822	8,853,479
Earnings per share - basic (in dollars per share)	$ 0.27	$ 0.24	$ 0.49	$ 0.25
Earnings per share - diluted
Net income (loss)	$ 2,340	$ 2,157	$ 4,314	$ 2,191
Weighted average shares outstanding - diluted	8,777,252	8,851,805	8,790,822	8,853,479
Effect of common stock equivalents - diluted	144,309	326,295	131,262	351,436
Adjusted weighted average shares used in earnings per share computation - diluted	8,921,561	9,178,100	8,922,084	9,204,915
Earnings per share - diluted (in dollars per share)	$ 0.26	$ 0.24	$ 0.48	$ 0.24

EARNINGS PER SHARE (Detail Text

EARNINGS PER SHARE (Detail Textuals) - shares	Mar. 31, 2019	Mar. 31, 2018
Earnings Per Share [Abstract]
Adjusted weighted average shares of common stock used in diluted earnings per share computation	584,832	873,159
Adjusted weighted average shares of common stock having exercise prices less than the current market value and are considered anti-dilutive	202,500	177,500

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE LOSS - Changes in accumulated other comprehensive (loss) income by component net of tax (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance				$ (8,154)
Total		$ 1,533	$ (2,690)	3,654	$ (3,392)
Ending balance		(4,525)		(4,525)
Total accumulated other comprehensive income (loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance		(6,033)	(1,765)	(8,154)	(760)
Other comprehensive (loss) income before reclassification		1,625	(2,690)	3,746	(3,392)
Total		(4,408)	(4,455)	(4,408)	(4,152)
Reclassification from adoption of ASU 2016-01		(25)	0	(25)
Reclassification for net gains recorded in net income		(92)	0	(92)	(303)
Ending balance		(4,525)	(4,455)	(4,525)	(4,455)
Unrealized gain (loss) on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	[1]	(5,615)	(2,125)	(8,320)	(1,091)
Other comprehensive (loss) income before reclassification	[1]	3,572	(2,840)	6,277	(3,571)
Total	[1]	(2,043)	(4,965)	(2,043)	(4,662)
Reclassification from adoption of ASU 2016-01	[1]	(25)	0	(25)
Reclassification for net gains recorded in net income	[1]	(92)	0	(92)	(303)
Ending balance	[1]	(2,160)	(4,965)	(2,160)	(4,965)
Unrealized gain (loss) on interest rate swaps
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	[1]	(418)	360	166	331
Other comprehensive (loss) income before reclassification	[1]	(1,947)	150	(2,531)	179
Total	[1]	(2,365)	510	(2,365)	510
Reclassification from adoption of ASU 2016-01	[1]	0	0	0
Reclassification for net gains recorded in net income	[1]	0	0	0	0
Ending balance	[1]	$ (2,365)	$ 510	$ (2,365)	$ 510
[1]	All amounts are net of tax. Amounts in parentheses indicate debits.

INVESTMENT AND MORTGAGE-BACKE_3

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Securities Available for Sale:
Equity securities, Amortized Cost	$ 6
Equity securities, Gross Unrealized Gains	66
Equity securities, Gross Unrealized Losses	0
Equity securities, Fair Value	72
Total securities available for sale, Amortized Cost	448,907	$ 316,719
Total securities available for sale, Gross Unrealized Gains		108
Total securities available for sale, Gross Unrealized Losses		(10,640)
Total securities available for sale, Fair Value	446,166	306,187
U.S. government and agency obligations
Securities Available for Sale:
Amortized Cost	25,253	25,562
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(431)	(1,391)
Fair Value	24,822	24,171
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Amortized Cost	307,219	193,451
Gross Unrealized Gains	1,859	77
Gross Unrealized Losses	(3,361)	(6,168)
Fair Value	305,717	187,360
State and political subdivisions
Securities Available for Sale:
Amortized Cost	23,206	22,078
Gross Unrealized Gains	742	0
Gross Unrealized Losses	(1,155)	(542)
Fair Value	22,793	21,536
Corporate bonds
Securities Available for Sale:
Amortized Cost	93,229	75,622
Gross Unrealized Gains	436	0
Gross Unrealized Losses	(831)	(2,539)
Fair Value	92,834	73,083
Total securities available for sale
Securities Available for Sale:
Total securities available for sale, Amortized Cost	448,907	316,713
Total securities available for sale, Gross Unrealized Gains	3,037	77
Total securities available for sale, Gross Unrealized Losses	(5,778)	(10,640)
Total securities available for sale, Fair Value	446,166	306,150
FHLMC preferred stock
Securities Available for Sale:
Equity securities, Amortized Cost	6	6
Equity securities, Gross Unrealized Gains	66	31
Equity securities, Gross Unrealized Losses	0	0
Equity securities, Fair Value	$ 72	$ 37

INVESTMENT AND MORTGAGE-BACKE_4

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses (Details 1) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 57,361	$ 59,852
Gross Unrealized Gains	649	235
Gross unrealized losses	(1,851)	(4,160)
Fair value	56,159	55,927
U.S. Government and agency obligations
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	31,500	33,500
Gross Unrealized Gains	127	85
Gross unrealized losses	(1,669)	(3,311)
Fair value	29,958	30,274
Mortgage-backed securities - U.S. government agencies
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	5,337	5,778
Gross Unrealized Gains	166	148
Gross unrealized losses	(53)	(153)
Fair value	5,450	5,773
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	20,524	20,574
Gross Unrealized Gains	356	2
Gross unrealized losses	(129)	(696)
Fair value	$ 20,751	$ 19,880

INVESTMENT AND MORTGAGE-BACKE_5

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Gross unrealized losses and related fair values of investment securities, aggregated by investment category and length of time (Details 2) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	$ (1,511)	$ (4,171)
Less than 12 months - Fair value	69,300	177,619
More than 12 months - Gross Unrealized Losses	(4,267)	(6,469)
More than 12 months - Fair value	168,887	120,290
Gross Unrealized Losses - Total	(5,778)	(10,640)
Fair Value - Total	238,187	297,909
U.S. government and agency obligations
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	0	(89)
Less than 12 months - Fair value	0	4,479
More than 12 months - Gross Unrealized Losses	(431)	(1,302)
More than 12 months - Fair value	24,822	19,692
Gross Unrealized Losses - Total	(431)	(1,391)
Fair Value - Total	24,822	24,171
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(233)	(1,821)
Less than 12 months - Fair value	31,387	92,851
More than 12 months - Gross Unrealized Losses	(3,128)	(4,347)
More than 12 months - Fair value	106,545	86,268
Gross Unrealized Losses - Total	(3,361)	(6,168)
Fair Value - Total	137,932	179,119
State and political subdivisions
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(1,155)	(542)
Less than 12 months - Fair value	22,793	21,536
More than 12 months - Gross Unrealized Losses	0	0
More than 12 months - Fair value	0	0
Gross Unrealized Losses - Total	(1,155)	(542)
Fair Value - Total	22,793	21,536
Corporate bonds
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(123)	(1,719)
Less than 12 months - Fair value	15,120	58,753
More than 12 months - Gross Unrealized Losses	(708)	(820)
More than 12 months - Fair value	37,520	14,330
Gross Unrealized Losses - Total	(831)	(2,539)
Fair Value - Total	$ 52,640	$ 73,083

INVESTMENT AND MORTGAGE-BACKE_6

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Gross unrealized losses and related fair values of investment securities, aggregated by investment category and length of time (Details 3) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	$ (1,669)	$ (340)
Less than 12 Months, Fair Value	28,831	13,868
More than 12 months - Gross Unrealized Losses	(182)	(3,820)
12 Months or More, Fair Value	8,978	34,738
Total - Gross Unrealized Losses	(1,851)	(4,160)
Total - Fair Value	37,809	48,606
U.S. Government and agency obligations
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	(1,669)	0
Less than 12 Months, Fair Value	28,831	0
More than 12 months - Gross Unrealized Losses	0	(3,311)
12 Months or More, Fair Value	0	27,190
Total - Gross Unrealized Losses	(1,669)	(3,311)
Total - Fair Value	28,831	27,190
Mortgage-backed securities - U.S. government agencies
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	0	(106)
Less than 12 Months, Fair Value	0	2,630
More than 12 months - Gross Unrealized Losses	(53)	(46)
12 Months or More, Fair Value	2,034	930
Total - Gross Unrealized Losses	(53)	(152)
Total - Fair Value	2,034	3,560
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	0	(234)
Less than 12 Months, Fair Value	0	11,238
More than 12 months - Gross Unrealized Losses	(129)	(463)
12 Months or More, Fair Value	6,944	6,618
Total - Gross Unrealized Losses	(129)	(697)
Total - Fair Value	$ 6,944	$ 17,856

INVESTMENT AND MORTGAGE-BACKE_7

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Gross unrealized losses and related fair values of investment securities, aggregated by investment category and length of time (Details 4) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Investments, Debt and Equity Securities [Abstract]
Less than 12 months - Gross Unrealized Losses	$ (3,180)	$ (4,511)
Fair Value, Less than 12 Months	98,131	191,487
More than 12 months - Gross Unrealized Losses	(4,449)	(10,289)
Fair Value, 12 Months or More	177,865	155,028
Gross Unrealized Losses -Total	(7,629)	(14,800)
Fair Value - Total	$ 275,996	$ 346,515

INVESTMENT AND MORTGAGE-BACKE_8

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details 5) $ in Thousands	Mar. 31, 2019USD ($)
Available for Sale, Amortized Cost
Due after one through five years	$ 5,256
Due after five through ten years	7,511
Due after ten years	128,921
Total	141,688
Available for Sale, Fair Value
Due after one through five years	5,168
Due after five through ten years	7,434
Due after ten years	127,847
Total	$ 140,449

INVESTMENT AND MORTGAGE-BACKE_9

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details 6) $ in Thousands	Mar. 31, 2019USD ($)
Held to Maturity - Amortized Cost
Due after one through five years	$ 1,704
Due after five through ten years	23,736
Due after ten years	26,584
Total	52,024
Held to Maturity - Fair Value
Due after one through five years	1,715
Due after five through ten years	23,712
Due after ten years	25,282
Total	$ 50,709

INVESTMENT AND MORTGAGE-BACK_10

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Detail Textuals)	3 Months Ended	6 Months Ended
	Mar. 31, 2019USD ($)Security	Mar. 31, 2019USD ($)Security
Marketable Securities [Line Items]
Safekeeping account at the FHLB | $	$ 251,500,000	$ 251,500,000
Mortgage-back securities sold with an aggregate amortized cost | $	12,800,000	12,800,000
Agreegate gain of mortgage-back securities | $	117,000	117,000
Recognized net gains on equity securities | $	$ 0	$ 34,000
U.S. Government and agency obligations
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	8	8
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	14	14
Mortgage-Backed Securities
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	14	14
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	58	58
Corporate debt securities
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	7	7
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	21	21
State and political subdivisions
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	7	7
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	5	5

LOANS RECEIVABLE - Summary of L

LOANS RECEIVABLE - Summary of Loans receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 660,098		$ 665,391
Undisbursed portion of loans-in-process	(70,462)		(54,474)
Deferred loan fees, net	(2,854)		(2,818)
Allowance for loan losses	(5,227)	$ (5,167)	(5,167)	$ (4,841)	$ (4,676)	$ (4,466)
Net loans	581,555		602,932
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	299,323		324,865
Allowance for loan losses	(1,314)	(1,427)	(1,343)	(1,308)	(1,270)	(1,241)
Multi-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	35,094		34,355
Allowance for loan losses	(385)	(372)	(347)	(205)	(158)	(205)
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	128,252		119,511
Allowance for loan losses	(1,342)	(1,147)	(1,154)	(1,083)	(1,064)	(1,201)
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	168,465		160,228
Allowance for loan losses	(1,370)	(1,445)	(1,554)	(1,465)	(1,621)	(1,358)
Loans to financial institutions
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,000		6,000
Allowance for loan losses	(68)	(67)	(64)	(62)	0	0
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	20,934		17,792
Allowance for loan losses	(235)	(193)	(187)	(106)	(26)	(4)
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,139		1,687
Allowance for loan losses	(13)	(16)	(18)	(29)	(20)	(23)
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	891		953
Allowance for loan losses	$ (20)	$ (13)	$ (18)	$ (97)	$ (24)	$ (24)

LOANS RECEIVABLE - Summary of_2

LOANS RECEIVABLE - Summary of loans individually evaluated for impairment by loan segment (Details 1) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017
Allowance for Loan Losses:
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	5,227		5,167
Total ending allowance balance	5,227	$ 5,167	5,167	$ 4,841	$ 4,676	$ 4,466
Loans:
Individually evaluated for impairment	16,073		16,048
Collectively evaluated for impairment	644,025		649,343
Total loans	660,098		665,391
One-to-four family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,314		1,343
Total ending allowance balance	1,314	1,427	1,343	1,308	1,270	1,241
Loans:
Individually evaluated for impairment	4,830		5,081
Collectively evaluated for impairment	294,493		319,784
Total loans	299,323		324,865
Multi-family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	385		347
Total ending allowance balance	385	372	347	205	158	205
Loans:
Individually evaluated for impairment	287		298
Collectively evaluated for impairment	34,807		34,057
Total loans	35,094		34,355
Commercial real estate
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,342		1,154
Total ending allowance balance	1,342	1,147	1,154	1,083	1,064	1,201
Loans:
Individually evaluated for impairment	2,196		1,919
Collectively evaluated for impairment	126,056		117,592
Total loans	128,252		119,511
Construction and land development
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,370		1,554
Total ending allowance balance	1,370	1,445	1,554	1,465	1,621	1,358
Loans:
Individually evaluated for impairment	8,750		8,750
Collectively evaluated for impairment	159,715		151,478
Total loans	168,465		160,228
Loans to financial institutions
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	68		64
Total ending allowance balance	68	67	64	62	0	0
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	6,000		6,000
Total loans	6,000		6,000
Commercial business
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	235		187
Total ending allowance balance	235	193	187	106	26	4
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	20,934		17,792
Total loans	20,934		17,792
Leases
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	13		18
Total ending allowance balance	13	16	18	29	20	23
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,139		1,687
Total loans	1,139		1,687
Consumer
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	20		18
Total ending allowance balance	20	13	18	97	24	24
Loans:
Individually evaluated for impairment	10		0
Collectively evaluated for impairment	881		953
Total loans	891		953
Unallocated
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	480		482
Total ending allowance balance	$ 480	$ 487	$ 482	$ 486	$ 493	$ 410

LOANS RECEIVABLE - Impaired loa

LOANS RECEIVABLE - Impaired loans by class, segregated by those for which specific allowance was required and those for which specific allowance was not required (Details 2) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	$ 0	$ 0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	16,073	16,048
Total Impaired Loans - Recorded Investment	16,073	16,048
Total impaired loans - Unpaid Principal Balance	18,963	18,918
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	4,830	5,081
Total Impaired Loans - Recorded Investment	4,830	5,081
Total impaired loans - Unpaid Principal Balance	5,178	5,432
Multi-family residential
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	287	298
Total Impaired Loans - Recorded Investment	287	298
Total impaired loans - Unpaid Principal Balance	287	298
Commercial real estate
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	2,196	1,919
Total Impaired Loans - Recorded Investment	2,196	1,919
Total impaired loans - Unpaid Principal Balance	2,357	2,057
Construction and land development
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	8,750	8,750
Total Impaired Loans - Recorded Investment	8,750	8,750
Total impaired loans - Unpaid Principal Balance	11,131	$ 11,131
Consumer
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0
Impaired Loans with Specific Allowance - Related Allowance	0
Impaired Loans with No Specific Allowance - Recorded Investment	10
Total Impaired Loans - Recorded Investment	10
Total impaired loans - Unpaid Principal Balance	$ 10

LOANS RECEIVABLE - Average reco

LOANS RECEIVABLE - Average recorded investment in impaired loans and related interest income recognized (Details 3) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 16,205	$ 22,158	$ 16,242	$ 20,668
Income Recognized on Accrual Basis	36	77	74	146
Income Recognized on Cash Basis	6	0	12	4
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	4,952	9,777	5,055	8,521
Income Recognized on Accrual Basis	21	43	44	77
Income Recognized on Cash Basis	5	0	10	4
Multi-family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	290	311	293	316
Income Recognized on Accrual Basis	5	5	10	11
Income Recognized on Cash Basis	0	0	0	0
Commercial real estate
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	2,202	3,316	2,133	2,942
Income Recognized on Accrual Basis	10	29	20	58
Income Recognized on Cash Basis	1	0	2	0
Construction and land development
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	8,752	8,744	8,752	8,879
Income Recognized on Accrual Basis	0	0	0	0
Income Recognized on Cash Basis	0	0	0	0
Consumer
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	10	10	8	10
Income Recognized on Accrual Basis	0	0	0	0
Income Recognized on Cash Basis	$ 0	$ 0	$ 0	$ 0

LOANS RECEIVABLE - Summary of c

LOANS RECEIVABLE - Summary of classes of loan portfolio in which formal risk weighting system is used (Details 4) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 660,098	$ 665,391
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	299,323	324,865
Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	35,094	34,355
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	128,252	119,511
Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	168,465	160,228
Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000	6,000
Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	20,934	17,792
Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	658,068	662,751
Risk Rating System | Pass
Financing Receivable, Recorded Investment [Line Items]
Total Loans	634,839	642,030
Risk Rating System | Pass | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	291,751	317,033
Risk Rating System | Pass | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	34,481	34,057
Risk Rating System | Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	121,958	115,670
Risk Rating System | Pass | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	159,715	151,478
Risk Rating System | Pass | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000	6,000
Risk Rating System | Pass | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	20,934	17,792
Risk Rating System | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total Loans	7,166	4,673
Risk Rating System | Special Mention | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,742	2,751
Risk Rating System | Special Mention | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	326	0
Risk Rating System | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	4,098	1,922
Risk Rating System | Special Mention | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Special Mention | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Special Mention | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total Loans	16,063	16,048
Risk Rating System | Substandard | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	4,830	5,081
Risk Rating System | Substandard | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	287	298
Risk Rating System | Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,196	1,919
Risk Rating System | Substandard | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	8,750	8,750
Risk Rating System | Substandard | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Substandard | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 0	$ 0

LOANS RECEIVABLE - Loans in whi

LOANS RECEIVABLE - Loans in which formal risk rating system is not utilized, but loans are segregated between performing and non-performing based primarily on delinquency status (Details 5) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 660,098	$ 665,391
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	299,323	324,865
Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,139	1,687
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	891	953
Non Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	301,353	327,505
Non Risk Rating System | Performing
Financing Receivable, Recorded Investment [Line Items]
Total Loans	298,064	324,493
Non Risk Rating System | Performing | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	296,034	321,853
Non Risk Rating System | Performing | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,139	1,687
Non Risk Rating System | Performing | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	891	953
Non Risk Rating System | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,289	3,012
Non Risk Rating System | Nonperforming | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,289	3,012
Non Risk Rating System | Nonperforming | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Non Risk Rating System | Nonperforming | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 0	$ 0

LOANS RECEIVABLE - Loan categor

LOANS RECEIVABLE - Loan categories of loan portfolio summarized by aging categories of performing loans and nonaccrual loans (Details 6) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 645,442	$ 651,233
Past Due	14,656	14,158
Total Loans	660,098	665,391
Non- Accrual	13,514	13,389
90 Days+ Past Due and Accruing	0	0
30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,261	1,875
90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	13,395	12,283
One-to-four family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	295,160	321,749
Past Due	4,163	3,116
Total Loans	299,323	324,865
Non- Accrual	3,289	3,012
90 Days+ Past Due and Accruing	0	0
One-to-four family residential | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	993	1,037
One-to-four family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	3,170	2,079
Multi-family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	34,934	34,355
Past Due	160	0
Total Loans	35,094	34,355
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Multi-family residential | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	160	0
Multi-family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	126,777	117,335
Past Due	1,475	2,176
Total Loans	128,252	119,511
Non- Accrual	1,475	1,627
90 Days+ Past Due and Accruing	0	0
Commercial real estate | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	722
Commercial real estate | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,475	1,454
Construction and land development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	159,715	151,478
Past Due	8,750	8,750
Total Loans	168,465	160,228
Non- Accrual	8,750	8,750
90 Days+ Past Due and Accruing	0	0
Construction and land development | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Construction and land development | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	8,750	8,750
Financial institutions
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	6,000	6,000
Past Due	0	0
Total Loans	6,000	6,000
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Financial institutions | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financial institutions | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	20,934	17,792
Past Due	0	0
Total Loans	20,934	17,792
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Commercial business | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Commercial business | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	1,139	1,687
Past Due	0	0
Total Loans	1,139	1,687
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Leases | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Leases | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	783	837
Past Due	108	116
Total Loans	891	953
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Consumer | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	108	116
Consumer | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 0	$ 0

LOANS RECEIVABLE - Activity in

LOANS RECEIVABLE - Activity in allowance (Details 7) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	$ 5,167	$ 4,676	$ 5,167	$ 4,466
Charge-offs	0	(12)	0	(12)
Recoveries	60	27	60	27
Provision	0	150	0	360
ALLL balance	5,227	4,841	5,227	4,841
One- to four-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,427	1,270	1,343	1,241
Charge-offs	0	0	0	0
Recoveries	60	27	60	27
Provision	(173)	11	(89)	40
ALLL balance	1,314	1,308	1,314	1,308
Multi-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	372	158	347	205
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	13	47	38	0
ALLL balance	385	205	385	205
Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,147	1,064	1,154	1,201
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	195	19	188	(118)
ALLL balance	1,342	1,083	1,342	1,083
Construction and land development
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,445	1,621	1,554	1,358
Charge-offs	0	(12)	0	(12)
Recoveries	0	0	0	0
Provision	(75)	(144)	(184)	119
ALLL balance	1,370	1,465	1,370	1,465
Financial institutions
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	67	0	64	0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	1	62	4	62
ALLL balance	68	62	68	62
Commercial business
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	193	26	187	4
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	42	80	48	102
ALLL balance	235	106	235	106
Leases
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	16	20	18	23
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(3)	9	(5)	6
ALLL balance	13	29	13	29
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	13	24	18	24
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	7	73	2	73
ALLL balance	20	97	20	97
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	487	493	482	410
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(7)	(7)	(2)	76
ALLL balance	$ 480	$ 486	$ 480	$ 486

LOANS RECEIVABLE (Detail Textua

LOANS RECEIVABLE (Detail Textuals)	3 Months Ended			6 Months Ended
	Mar. 31, 2019USD ($)	Mar. 31, 2018USD ($)	Mar. 31, 2017USD ($)	Mar. 31, 2019USD ($)Loan	Mar. 31, 2018USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for loan losses	$ 0	$ 150,000		$ 0	$ 360,000
Allowance for Loan and Lease Losses, Write-offs	0	12,000		0	12,000
Allowance for Loan and Lease Loss, Recovery of Bad Debts	60,000	$ 27,000		$ 60,000	$ 27,000
Number of loans default | Loan				9
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	6,000,000			$ 6,000,000
Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan				3
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	4,900,000			$ 4,900,000
Amount of TDR loans, default				$ 10,600,000
Write-down amount of TDR loans			$ 1,900,000
Nonperforming | Commercial and residential properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan				1
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	445,000			$ 445,000
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan				5
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 644,000			$ 644,000

DEPOSITS - Major classification

DEPOSITS - Major classifications of deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Amount
Money market deposit accounts	$ 67,346	$ 66,120
Interest-bearing checking accounts	64,156	49,209
Non interest-bearing checking accounts	12,350	13,620
Passbook, club and statement savings	87,383	91,489
Certificates maturing in six months or less	352,331	301,184
Certificates maturing in more than six months	241,933	262,636
Total deposits	$ 825,499	$ 784,258
Percent
Money market deposit accounts	8.20%	8.40%
Interest-bearing checking accounts	7.70%	6.30%
Non interest-bearing checking accounts	1.50%	1.70%
Passbook, club and statement savings	10.60%	11.70%
Certificates maturing in six months or less	42.70%	38.40%
Certificates maturing in more than six months	29.30%	33.50%
Total	100.00%	100.00%

DEPOSITS (Detail Textuals)

DEPOSITS (Detail Textuals) - USD ($) $ in Millions	Mar. 31, 2019	Sep. 30, 2018
Deposits [Abstract]
Certificates of $250,000 and over	$ 29.7	$ 81.9

ADVANCES FROM FEDERAL HOME LO_5

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Mar. 31, 2019	Sep. 30, 2018
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.73%	2.73%
Advances from FHLB short-term	$ 25,500	$ 10,000
Weighted average | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.70%	2.31%
Fixed Rate - Repo Plus Maturity Date 12 Oct 18 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 12, 2018
Coupon		2.31%
Call Date		Not Applicable
Advances from FHLB short-term	$ 0	$ 10,000
Fixed Rate Repo Plus Maturity Date 1 Apr 19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Apr. 1, 2019
Coupon	2.70%
Call Date	Not Applicable
Advances from FHLB short-term	$ 500	0
Fixed Rate Repo Plus Maturity Date 15 Apr 19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Apr. 15, 2019
Coupon	2.71%
Call Date	Not Applicable
Advances from FHLB short-term	$ 10,000	0
Fixed Rate Repo Plus Maturity Date 17 Apr 19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Apr. 17, 2019
Coupon	2.70%
Call Date	Not Applicable
Advances from FHLB short-term	$ 15,000	$ 0

ADVANCES FROM FEDERAL HOME LO_6

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Detail Textuals) - USD ($)	Mar. 31, 2019	Sep. 30, 2018
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	$ 25,500,000	$ 10,000,000
Remaining advances were used short term liquidity needs	500,000
First interest rate swap contract
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	10,000,000	$ 10,000,000
Second interest rate swap contract
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	$ 15,000,000

ADVANCES FROM FEDERAL HOME LO_7

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Mar. 31, 2019	Sep. 30, 2018
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.73%	2.73%
Long-term Federal Home Loan Bank Advances	$ 199,594	$ 144,683
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 18 to 30 Sep 20
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2018	Oct. 1, 2018
Date of maturity to	Sep. 30, 2020	Sep. 30, 2020
Long-term Federal Home Loan Bank Advances	$ 940	$ 1,639
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 18 to 30 Sep 20 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.53%	1.53%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 18 to 30 Sep 20 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.53%	1.53%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 18 to 30 Sep 20 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.53%	1.53%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2020	Oct. 1, 2020
Date of maturity to	Sep. 30, 2021	Sep. 30, 2021
Long-term Federal Home Loan Bank Advances	$ 18,851	$ 23,288
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.94%	1.94%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.83%	2.83%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.69%	2.69%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2021	Oct. 1, 2021
Date of maturity to	Sep. 30, 2022	Sep. 30, 2022
Long-term Federal Home Loan Bank Advances	$ 10,299	$ 11,848
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.99%	1.99%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.05%	3.05%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.80%	2.80%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2022	Oct. 1, 2022
Date of maturity to	Sep. 30, 2023	Sep. 30, 2023
Long-term Federal Home Loan Bank Advances	$ 7,746	$ 8,550
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.94%	1.94%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.11%	3.11%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.88%	2.88%
Long-term | Fixed Rate - Amortizing
Federal Home Loan Bank, Advances [Line Items]
Long-term Federal Home Loan Bank Advances	$ 37,836	$ 45,325
Long-term | Fixed Rate - Amortizing | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.73%	2.73%
Long-term | Fixed Rate Advances Maturity from 1 Oct 18 to 30 Sep 19
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2018	Oct. 1, 2018
Date of maturity to	Sep. 30, 2019	Sep. 30, 2019
Long-term Federal Home Loan Bank Advances	$ 3,011	$ 18,528
Long-term | Fixed Rate Advances Maturity from 1 Oct 18 to 30 Sep 19 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.40%	1.40%
Long-term | Fixed Rate Advances Maturity from 1 Oct 18 to 30 Sep 19 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.66%	2.66%
Long-term | Fixed Rate Advances Maturity from 1 Oct 18 to 30 Sep 19 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.66%	2.66%
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2019	Oct. 1, 2019
Date of maturity to	Sep. 30, 2020	Sep. 30, 2020
Long-term Federal Home Loan Bank Advances	$ 12,365	$ 12,413
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.38%	1.38%
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.06%	3.06%
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.62%	2.62%
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2020	Oct. 1, 2020
Date of maturity to	Sep. 30, 2021	Sep. 30, 2021
Long-term Federal Home Loan Bank Advances	$ 3,027	$ 3,037
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.42%	1.42%
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.92%	2.92%
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.45%	2.45%
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2021	Oct. 1, 2021
Date of maturity to	Sep. 30, 2022	Sep. 30, 2022
Long-term Federal Home Loan Bank Advances	$ 23,358	$ 23,380
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.94%	1.94%
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.23%	3.23%
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.28%	2.28%
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2022	Oct. 1, 2022
Date of maturity to	Sep. 30, 2023	Sep. 30, 2023
Long-term Federal Home Loan Bank Advances	$ 65,999	$ 37,000
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.18%	2.18%
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.22%	3.22%
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.72%	2.72%
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2023	Oct. 1, 2023
Date of maturity to	Sep. 30, 2024	Sep. 30, 2024
Long-term Federal Home Loan Bank Advances	$ 53,998	$ 5,000
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.98%	2.98%
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.20%	3.20%
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.99%	2.99%
Long-term | Long-term FHLB advances
Federal Home Loan Bank, Advances [Line Items]
Long-term Federal Home Loan Bank Advances	$ 161,758	$ 99,358
Long-term | Long-term FHLB advances | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.73%	2.73%

DERIVATIVES (Details)

DERIVATIVES (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Mar. 31, 2019	Sep. 30, 2018
Derivative [Line Items]
Unrealized Gain (Loss)	$ (4,151)	$ (202)
Interest rate swap contract maturing on 10 Apr 2025
Derivative [Line Items]
Hedge Item	FHLB Advance	FHLB Advance
Notional Amount	$ 10,000	$ 10,000
Pay Rate	2.70%	2.70%
Receive Rate	1 Mth Libor	1 Mth Libor
Maturity Date	Apr. 10, 2025	Apr. 10, 2025
Unrealized Gain (Loss)	$ (311)	$ 35
Interest rate swap contract maturing on 15 Feb 2027
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 1,705	$ 1,705
Pay Rate	3.06%	3.06%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Feb. 15, 2027	Feb. 15, 2027
Unrealized Gain (Loss)	$ (87)	$ (19)
Interest rate swap contract maturing on 1 Apr 2027
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 2,825	$ 2,825
Pay Rate	3.06%	3.06%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Apr. 1, 2027	Apr. 1, 2027
Unrealized Gain (Loss)	$ (147)	$ (31)
Interest rate swap contract maturing on 1 Jan 2028
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 5,000	$ 5,000
Pay Rate	3.07%	3.07%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Jan. 1, 2028	Jan. 1, 2028
Unrealized Gain (Loss)	$ (275)	$ (57)
Interest rate swap contract maturing on 1 Mar 2028
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 1,235	$ 1,235
Pay Rate	3.07%	3.07%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Mar. 1, 2028	Mar. 1, 2028
Unrealized Gain (Loss)	$ (69)	$ (14)
Interest rate swap contract maturing on 1 May 2028
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 4,500	$ 4,500
Pay Rate	3.07%	3.07%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	May 1, 2028	May 1, 2028
Unrealized Gain (Loss)	$ (252)	$ (52)
Interest rate swap contract maturing on 1 Feb 2027
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 3,305	$ 3,305
Pay Rate	3.05%	3.05%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Feb. 1, 2027	Feb. 1, 2027
Unrealized Gain (Loss)	$ (165)	$ (32)
Interest rate swap contract maturing on 15 Oct 2027
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 3,000	$ 3,000
Pay Rate	3.06%	3.06%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Oct. 15, 2027	Oct. 15, 2027
Unrealized Gain (Loss)	$ (160)	$ (32)
Interest rate swap contract maturing on 13 Jun 2025
Derivative [Line Items]
Hedge Item	Commercial loan	Commercial loan
Notional Amount	$ 8,300	$ 8,300
Pay Rate	5.74%	5.74%
Receive Rate	1 Mth Libor +250 bp	1 Mth Libor +250 bp
Maturity Date	Jun. 13, 2025	Jun. 13, 2025
Unrealized Gain (Loss)	$ 0	$ 0
Interest rate swap contract maturing on 1 Aug 2026
Derivative [Line Items]
Hedge Item	Commercial loan	Commercial loan
Notional Amount	$ 1,100	$ 1,100
Pay Rate	4.10%	4.10%
Receive Rate	1 Mth Libor +276 bp	1 Mth Libor +276 bp
Maturity Date	Aug. 1, 2026	Aug. 1, 2026
Unrealized Gain (Loss)	$ 0	$ 0
Interest rate swap contract maturing on 11 Jan 24
Derivative [Line Items]
Hedge Item	90 Day wholesale funding
Notional Amount	$ 20,000
Pay Rate	2.78%
Receive Rate	3 Mth Libor
Maturity Date	Jan. 11, 2024
Unrealized Gain (Loss)	$ (492)
Interest rate swap contract maturing on 18 Jan 24
Derivative [Line Items]
Hedge Item	90 Day wholesale funding
Notional Amount	$ 15,000
Pay Rate	2.75%
Receive Rate	3 Mth Libor
Maturity Date	Jan. 18, 2024
Unrealized Gain (Loss)	$ (345)
Interest rate swap contract maturing on 20 Feb 24
Derivative [Line Items]
Hedge Item	90 Day wholesale funding
Notional Amount	$ 25,000
Pay Rate	2.66%
Receive Rate	3 Mth Libor
Maturity Date	Feb. 20, 2024
Unrealized Gain (Loss)	$ (491)
Interest rate swap contract maturing on 28 Feb 24
Derivative [Line Items]
Hedge Item	90 Day wholesale funding
Notional Amount	$ 25,000
Pay Rate	2.56%
Receive Rate	3 Mth Libor
Maturity Date	Feb. 28, 2024
Unrealized Gain (Loss)	$ (377)
Interest rate swap contract maturing on 15 Feb 24
Derivative [Line Items]
Hedge Item	30 Day wholesale funding
Notional Amount	$ 15,000
Pay Rate	2.51%
Receive Rate	1 Mth Libor
Maturity Date	Feb. 15, 2024
Unrealized Gain (Loss)	$ (257)
Interest rate swap contract maturing on 13 Mar 24
Derivative [Line Items]
Hedge Item	90 Day wholesale funding
Notional Amount	$ 25,000
Pay Rate	2.59%
Receive Rate	3 Mth Libor
Maturity Date	Mar. 13, 2024
Unrealized Gain (Loss)	$ (409)
Interest rate swap contract maturing on 27 Mar 24
Derivative [Line Items]
Hedge Item	90 Day wholesale funding
Notional Amount	$ 25,000
Pay Rate	2.51%
Receive Rate	3 Mth Libor
Maturity Date	Mar. 27, 2024
Unrealized Gain (Loss)	$ (314)

DERIVATIVES (Detail Textuals)

DERIVATIVES (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Income recognized as ineffectiveness through earnings	$ 3,000	$ 6,000	$ 5,000	$ 48,000

INCOME TAXES - Items that gave

INCOME TAXES - Items that gave rise to significant portions of deferred income taxes (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Deferred tax assets:
Allowance for loan losses	$ 1,428	$ 1,445
Nonaccrual interest	619	312
Accrued vacation	4	29
Capital loss carryforward	356	356
Split dollar life insurance	8	10
Post-retirement benefits	77	85
Unrealized losses on available for sale securities	576	2,212
Unrealized losses on interest rate swaps	629	0
Deferred compensation	811	838
Goodwill	75	80
Other	50	55
Employee benefit plans	330	239
Total deferred tax assets	4,963	5,661
Valuation allowance	(356)	(356)
Total deferred tax assets, net of valuation allowance	4,607	5,305
Deferred tax liabilities:
Property	127	179
Unrealized gains on interest rate swaps	0	44
Purchase accounting adjustments	102	59
Deferred loan fees	266	368
Total deferred tax liabilities	495	650
Net deferred tax assets	$ 4,112	$ 4,655

INCOME TAXES (Detail Textuals)

INCOME TAXES (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018	Sep. 30, 2018
Income Taxes [Line Items]
Valuation allowance	$ 356		$ 356		$ 356
Income tax expense	$ 380	$ 619	809	$ 2,883
TCJA remeasurement of deferred tax assets			$ 1,800
Period of capital gains recognized			5 years
Tax at statutory rate			24.25%
January 1, 2018
Income Taxes [Line Items]
Tax at statutory rate			21.00%
October 1, 2018
Income Taxes [Line Items]
Tax at statutory rate			21.00%

STOCK COMPENSATION PLANS - Summ

STOCK COMPENSATION PLANS - Summary of non-vested stock award activity (Details) - $ / shares	6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Number of Shares
Nonvested stock awards at October 1, 2018	116,916	142,594
Granted	0	26,500
Forfeited	0	4,636
Vested	(44,024)	(44,647)
Nonvested stock awards at the March 31, 2019	72,892	129,083
Weighted Average Grant Date Fair Value
Nonvested stock awards at October 1	$ 14.36	$ 12.79
Granted	0	18.46
Forfeited	0	11.91
Vested	13.38	12.06
Nonvested stock awards at the March 31	$ 14.95	$ 14.17

STOCK COMPENSATION PLANS - Su_2

STOCK COMPENSATION PLANS - Summary of status of stock options under Stock Option Plan (Details 1) - 2008 Option Plan and 2014 SIP - Stock Options - $ / shares	6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Number of Shares
Outstanding at October 1	869,026	922,564
Granted	0	177,500
Exercised	(75,694)	(37,171)
Forfeited	(6,000)	(12,234)
Outstanding at March 31	787,332	1,050,659
Exercisable at March 31	512,788	595,385
Weighted Average Exercise Price
Outstanding at October 1	$ 13.41	$ 12.04
Granted	0	18.46
Exercised	11.77	11.50
Forfeited	12.23	11.90
Outstanding at March 31	13.58	13.15
Exercisable at March 31	$ 12.13	$ 11.53

STOCK COMPENSATION PLANS (Detai

STOCK COMPENSATION PLANS (Detail Textuals) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended		6 Months Ended
	Mar. 31, 2018	Aug. 31, 2016	Mar. 31, 2019	Mar. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted			0	26,500
2008 Recognition and Retention Plan ("2008 RRP")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares purchased by RRP trust			213,528
Value of shares purchased in open market by RRP trust			$ 2.5
Average price per share of common stock purchased in the open market			$ 11.49
Percentage of vesting per year			20.00%
Vesting period of awards granted			5 years
Number of shares granted	8,209	7,473

STOCK COMPENSATION PLANS (Det_2

STOCK COMPENSATION PLANS (Detail Textuals 1) - USD ($)	1 Months Ended					3 Months Ended		6 Months Ended
	Mar. 31, 2018	May 31, 2017	Mar. 31, 2017	Aug. 31, 2016	Feb. 28, 2015	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted								0	26,500
2008 Stock Option Plan (the "2008 Option Plan")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted	18,235	283
2008 Stock Option Plan (the "2008 Option Plan") | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of vesting and exercisable per year								20.00%
Vesting period of options								5 years
Exercisable period of options after grant date								10 years
Number of common stock available for issuance						533,808		533,808
Number of shares purchased for award				18,867
2014 Stock Incentive Plan (the "2014 SIP")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted	18,291	24,717	17,128	3,027
2014 Stock Incentive Plan (the "2014 SIP") | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares for issuance pursuant to options						714,145		714,145
Number of shares granted	159,265		22,828	8,633
2014 Stock Incentive Plan (the "2014 SIP") | Restricted stock awards or units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of common stock available for issuance					285,655
Number of shares granted					233,500
2008 RRP and 2014 SIP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares purchased for award					605,000
2008 RRP and 2014 SIP | Restricted stock awards or units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options								5 years
Recognized compensation expense						$ 150,000	$ 99,000	$ 307,000	$ 250,000
Additional compensation expense for shares awarded remained unrecognized						1,100,000		1,100,000
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense						127,000	$ 102,000	277,000	$ 239,000
Additional compensation expense for shares awarded remained unrecognized						$ 1,100,000		$ 1,100,000

STOCK COMPENSATION PLANS (Det_3

STOCK COMPENSATION PLANS (Detail Textuals 2) - USD ($)	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average remaining contractual term for options outstanding			7 years
Exercise price and fair value	$ 18.46		$ 18.46
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense	$ 127,000	$ 102,000	$ 277,000	$ 239,000
Additional compensation expense for shares awarded remained unrecognized	$ 1,100,000		$ 1,100,000
Weighted average period for recognition of nonvested awards			2 years 2 months 12 days
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2009
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share			$ 2.98
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share			2.92
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share			3.34
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share			4.67
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share			4.58
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2016
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share			2.13
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share			$ 3.18
Fair value, valuation method			Black-Scholes pricing model
Expected term			7 years
Volatility rate			14.37%
Expected interest rate			2.22%
Expected yield			0.69%
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017 | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise price and fair value	$ 18.39		$ 18.39
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017 | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise price and fair value	$ 17.43		17.43
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share			$ 3.63
Fair value, valuation method			Black-Scholes pricing model
Expected term			7 years
Volatility rate			15.90%
Expected interest rate			2.82%
Expected yield			1.08%

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Detail Textuals) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Mar. 31, 2019	Sep. 30, 2018
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	$ 1,500
Aggregate undisbursed portion of loans-in-process	70,462	$ 54,474
Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	58,200	40,400
Aggregate undisbursed portion of loans-in-process	$ 70,500	$ 54,500
Loan Origination Commitments | Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Market interest rate on fixed and variable rate loans	6.00%	4.25%
Loan Origination Commitments | Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Market interest rate on fixed and variable rate loans	6.75%	6.25%
Unused lines of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	$ 69,700	$ 51,900
Letters of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	$ 1,600	$ 1,600

FAIR VALUE MEASUREMENT - Assets

FAIR VALUE MEASUREMENT - Assets measured at fair value on recurring basis (Details) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Assets:
Assets, Total	$ 446,238	$ 306,412
Liabilities
Liabilities, Total	4,141
Level 1
Assets:
Assets, Total	72	37
Liabilities
Liabilities, Total	0
Level 2
Assets:
Assets, Total	446,166	306,375
Liabilities
Liabilities, Total	4,141
Level 3
Assets:
Assets, Total	0	0
Liabilities
Liabilities, Total	0
U.S. Government and agency obligations
Assets:
Assets, Total	24,822	24,171
U.S. Government and agency obligations | Level 1
Assets:
Assets, Total	0	0
U.S. Government and agency obligations | Level 2
Assets:
Assets, Total	24,822	24,171
U.S. Government and agency obligations | Level 3
Assets:
Assets, Total	0	0
State and political subdivisions
Assets:
Assets, Total	22,793	21,536
State and political subdivisions | Level 1
Assets:
Assets, Total	0	0
State and political subdivisions | Level 2
Assets:
Assets, Total	22,793	21,536
State and political subdivisions | Level 3
Assets:
Assets, Total	0	0
Mortgage-backed securities - U.S. government agencies
Assets:
Assets, Total	305,717	187,360
Mortgage-backed securities - U.S. government agencies | Level 1
Assets:
Assets, Total	0	0
Mortgage-backed securities - U.S. government agencies | Level 2
Assets:
Assets, Total	305,717	187,360
Mortgage-backed securities - U.S. government agencies | Level 3
Assets:
Assets, Total	0	0
Corporate bonds
Assets:
Assets, Total	92,834	73,083
Corporate bonds | Level 1
Assets:
Assets, Total	0	0
Corporate bonds | Level 2
Assets:
Assets, Total	92,834	73,083
Corporate bonds | Level 3
Assets:
Assets, Total	0	0
Equity security - FHLMC preferred stock
Assets:
Assets, Total	72	37
Equity security - FHLMC preferred stock | Level 1
Assets:
Assets, Total	72	37
Equity security - FHLMC preferred stock | Level 2
Assets:
Assets, Total	0	0
Equity security - FHLMC preferred stock | Level 3
Assets:
Assets, Total	0	0
Interest rate swap contracts
Assets:
Assets, Total		225
Liabilities
Liabilities, Total	4,141
Interest rate swap contracts | Level 1
Assets:
Assets, Total		0
Liabilities
Liabilities, Total	0
Interest rate swap contracts | Level 2
Assets:
Assets, Total		225
Liabilities
Liabilities, Total	4,141
Interest rate swap contracts | Level 3
Assets:
Assets, Total		$ 0
Liabilities
Liabilities, Total	$ 0

FAIR VALUE MEASUREMENT - Change

FAIR VALUE MEASUREMENT - Changes in level 3 assets measured at fair value (Details 1) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 16,073	$ 16,048
Real estate owned	423	1,026
Total	16,496	17,074
Level 1
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Real estate owned	0	0
Total	0	0
Level 2
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Real estate owned	0	0
Total	0	0
Level 3
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	16,073	16,048
Real estate owned	423	1,026
Total	$ 16,496	$ 17,074

FAIR VALUE MEASUREMENT - Valuat

FAIR VALUE MEASUREMENT - Valuation processes used to determine nonrecurring fair value measurements categorized within level 3 (Details 2) - Fair value measurements on a nonrecurring basis $ in Thousands		Mar. 31, 2019USD ($)Percent	Sep. 30, 2018USD ($)Percent
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans | $		$ 16,073	$ 16,048
Real estate owned | $		423	1,026
Level 3
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans | $		16,073	16,048
Real estate owned | $		$ 423	$ 1,026
Level 3 | Management discount for selling costs, property type and market volatility | Property appraisals | Minimum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans measurement input (in percent) | Percent	[1],[2],[3]	6	6
Level 3 | Management discount for selling costs, property type and market volatility | Property appraisals | Maximum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans measurement input (in percent) | Percent	[1],[2],[3]	8	8
Level 3 | Management discount for selling costs, property type and market volatility | Property appraisals | Weighted average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans measurement input (in percent) | Percent	[1],[2],[3]	6	6
Real estate owned measurement input (in percent) | Percent	[1],[2],[3]	10	18
[1]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
[2]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various Level 3 inputs, which are not identifiable.
[3]	Includes qualitative adjustments by management and estimated liquidation expenses.

FAIR VALUE MEASUREMENT - Asse_2

FAIR VALUE MEASUREMENT - Assets measured at fair value on a non-recurring basis and the adjustments to the carrying value (Details 3) - USD ($) $ in Thousands	Mar. 31, 2019	Sep. 30, 2018	Mar. 31, 2018	Sep. 30, 2017
Assets:
Cash and cash equivalents	$ 50,593	$ 48,171	$ 18,108	$ 27,903
Certificates of deposit	2,351	1,604
Investment and mortgage-backed securities available for sale	446,166	306,187
Investment and mortgage-backed securities held to maturity	57,361	59,852
Loans receivable, net	581,555	602,932
Accrued interest receivable	4,314	3,825
Restricted bank stock - at cost	10,383	7,585
Bank owned life insurance	28,996	28,691
Liabilities:
Passbook, club and statement savings accounts	87,383	91,489
Advances from FHLB short-term	25,500	10,000
Advances from FHLB long-term	199,594	144,683
Accrued interest payable	2,814	3,232
Advances from borrowers for taxes and insurance	2,260	$ 2,083
Carrying Amount
Assets:
Cash and cash equivalents	50,593
Certificates of deposit	2,351
Investment and mortgage-backed securities available for sale	446,166
Equity securities	72
Investment and mortgage-backed securities held to maturity	57,361
Loans receivable, net	581,555
Accrued interest receivable	4,314
Restricted bank stock - at cost	10,383
Bank owned life insurance	28,996
Liabilities:
Checking accounts	76,506
Money market deposit accounts	67,346
Passbook, club and statement savings accounts	87,383
Certificates of deposit	594,264
Advances from FHLB short-term	25,500
Advances from FHLB long-term	199,594
Accrued interest payable	2,814
Advances from borrowers for taxes and insurance	2,260
Interest rate swap contracts	4,141
Fair Value
Assets:
Cash and cash equivalents	50,593
Certificates of deposit	2,351
Investment and mortgage-backed securities available for sale	446,166
Equity securities	72
Investment and mortgage-backed securities held to maturity	56,159
Loans receivable, net	578,091
Accrued interest receivable	4,314
Restricted bank stock - at cost	10,383
Bank owned life insurance	28,996
Liabilities:
Checking accounts	76,506
Money market deposit accounts	67,346
Passbook, club and statement savings accounts	87,383
Certificates of deposit	605,324
Advances from FHLB short-term	25,500
Advances from FHLB long-term	201,289
Accrued interest payable	2,814
Advances from borrowers for taxes and insurance	2,260
Interest rate swap contracts	4,141
Level 1
Assets:
Cash and cash equivalents	50,593
Certificates of deposit	2,351
Investment and mortgage-backed securities available for sale	0
Equity securities	72
Investment and mortgage-backed securities held to maturity	0
Loans receivable, net	0
Accrued interest receivable	4,314
Restricted bank stock - at cost	10,383
Bank owned life insurance	28,996
Liabilities:
Checking accounts	76,506
Money market deposit accounts	67,346
Passbook, club and statement savings accounts	87,383
Certificates of deposit	0
Advances from FHLB short-term	25,500
Advances from FHLB long-term	0
Accrued interest payable	2,814
Advances from borrowers for taxes and insurance	2,260
Interest rate swap contracts	0
Level 2
Assets:
Cash and cash equivalents	0
Certificates of deposit	0
Investment and mortgage-backed securities available for sale	446,166
Investment and mortgage-backed securities held to maturity	56,159
Loans receivable, net	0
Accrued interest receivable	0
Restricted bank stock - at cost	0
Bank owned life insurance	0
Liabilities:
Checking accounts	0
Money market deposit accounts	0
Passbook, club and statement savings accounts	0
Certificates of deposit	0
Advances from FHLB long-term	0
Accrued interest payable	0
Advances from borrowers for taxes and insurance	0
Interest rate swap contracts	4,141
Level 3
Assets:
Cash and cash equivalents	0
Certificates of deposit	0
Investment and mortgage-backed securities available for sale	0
Investment and mortgage-backed securities held to maturity	578,091
Loans receivable, net	0
Accrued interest receivable	0
Restricted bank stock - at cost	0
Bank owned life insurance	0
Liabilities:
Checking accounts	0
Money market deposit accounts	0
Passbook, club and statement savings accounts	0
Certificates of deposit	605,324
Advances from FHLB short-term	0
Advances from FHLB long-term	201,289
Accrued interest payable	0
Advances from borrowers for taxes and insurance	0
Interest rate swap contracts	$ 0

FAIR VALUE MEASUREMENT (Detail

FAIR VALUE MEASUREMENT (Detail Textuals) $ in Millions	Mar. 31, 2019USD ($)
Level 2
Financing Receivable, Impaired [Line Items]
Collateral dependent impaired loans, fair value	$ 16.1

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Related to acquisition of Polonia Bancorp (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Goodwill [Roll Forward]
Balance, Goodwill			$ 6,102
Balance, Goodwill	$ 6,102		6,102
Finite-lived Intangible Assets [Roll Forward]
Balance	508		508
Intangible Assets Net Including Goodwill [Roll Forward]
Amortization	(29)	$ (34)	(63)	$ (71)
Polonia Bancorp
Goodwill [Roll Forward]
Balance, Goodwill			6,102
Additions/Adjustments			0
Balance, Goodwill	6,102		6,102
Intangible Assets Net Including Goodwill [Roll Forward]
Balance, Total			6,673
Additions/Adjustments			0
Amortization			(63)
Balance, Total	6,610		6,610
Polonia Bancorp | Core deposit intangible
Finite-lived Intangible Assets [Roll Forward]
Balance			571
Additions/Adjustments			0
Amortization			(63)
Balance	$ 508		$ 508
Amortization Period			10 years

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Future fiscal periods amortization expense (Details 1) $ in Thousands	Mar. 31, 2019USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2019	$ 60
2020	108
2021	93
2022	78
2023	64
Thereafter	105
Total	$ 508