Prudential Bancorp (PBIP) 10-Q 9 Aug 19 2019 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Jun. 30, 2019	Jul. 31, 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		8,888,847
Document Type	10-Q
Document Period End Date	Jun. 30, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Current Reporting Status	Yes
Entity Shell Company	false

UNAUDITED CONSOLIDATED STATEMEN

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2019	Sep. 30, 2018
ASSETS
Cash and amounts due from depository institutions	$ 2,080	$ 2,457
Interest-bearing deposits	35,997	45,714
Total cash and cash equivalents	38,077	48,171
Certificates of deposit	2,351	1,604
Investment and mortgage-backed securities available for sale (amortized cost- June 30, 2019, $432,852; September 30, 2018, $316,719)	438,179	306,187
Investment and mortgage-backed securities held to maturity (fair value- June 30, 2019, $57,371; September 30, 2018, $55,927)	57,085	59,852
Equity securities (amortized cost June 30, 2019, $31)	69
Loans receivable-net of allowance for loan losses (June 30, 2019, $5,330; September 30, 2018, $5,167)	586,507	602,932
Accrued interest receivable	3,893	3,825
Real estate owned	423	1,026
Restricted bank stock-at cost	13,356	7,585
Office properties and equipment - net	7,239	7,439
Bank owned life insurance	31,669	28,691
Deferred tax assets-net	3,165	4,655
Goodwill	6,102	6,102
Core deposit intangible	478	571
Prepaid expenses and other assets	2,751	2,530
TOTAL ASSETS	1,191,344	1,081,170
Deposits:
Noninterest-bearing	15,614	13,677
Interest-bearing	713,927	770,581
Total deposits	729,541	784,258
Advances from Federal Home Loan Bank (short-term)	36,500	10,000
Advances from Federal Home Loan Bank (long-term)	264,766	144,683
Accrued interest payable	3,404	3,232
Advances from borrowers for taxes and insurance	3,533	2,083
Interest rate swap contracts	8,806
Accounts payable and accrued expenses	10,046	8,505
Total liabilities	1,056,596	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 8,888,847 outstanding at June 30, 2019; 10,819,006 issued and 8,987,356 outstanding at September 30, 2018	108	108
Additional paid-in capital	118,086	118,345
Treasury stock, at cost: 1,930,159 shares at June 30, 2019 and 1,831,650 shares at September 30, 2018	(29,708)	(27,744)
Retained earnings	47,484	45,854
Accumulated other comprehensive loss	(1,222)	(8,154)
Total stockholders' equity	134,748	128,409
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,191,344	$ 1,081,170

UNAUDITED CONSOLIDATED STATEM_2

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2019	Sep. 30, 2018
Statement Of Financial Position [Abstract]
Investment and mortgage-backed securities available for sale, amortized cost (in dollars)	$ 432,852	$ 316,719
Investment and mortgage-backed securities held to maturity, fair value (in dollars)	57,371	55,927
Equity securities, amortized cost (in dollars)	31
Allowance for loan losses on loans receivable (in dollars)	$ 5,330	$ 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	8,888,847	8,987,356
Number of treasury share purchased	1,930,159	1,831,650

UNAUDITED CONSOLIDATED STATEM_3

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
INTEREST INCOME:
Interest on loans	$ 6,752	$ 6,485	$ 19,936	$ 18,853
Interest on mortgage-backed securities	2,536	1,060	6,844	2,753
Interest and dividends on investments	1,792	1,189	5,040	3,198
Interest on interest-bearing assets	193	197	589	518
Total interest income	11,273	8,931	32,409	25,322
INTEREST EXPENSE:
Interest on deposits	3,356	1,932	9,936	4,915
Interest on advances from Federal Home Loan Bank(short-term)	184	43	373	184
Interest on advances from Federal Home Loan Bank(long-term)	1,518	734	3,546	1,637
Total interest expense	5,058	2,709	13,855	6,736
NET INTEREST INCOME	6,215	6,222	18,554	18,586
PROVISION FOR LOAN LOSSES		325		685
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,215	5,897	18,554	17,901
NON-INTEREST INCOME:
Fees and other service charges	157	177	491	505
Gain on sale of loans, net	2		2
Gain (loss) on the sale of investments and mortgage-backed securities	511	(376)	628	(376)
Swap income	125	925	125	1,087
Holding gain (losses) on equity securities	(2)		32
Income from bank owned life insurance	170	160	473	480
Other	224	99	358	271
Total non-interest income	1,187	985	2,109	1,967
NON-INTEREST EXPENSE:
Salaries and employee benefits	2,175	2,042	6,558	6,053
Data processing	201	180	585	545
Professional services	385	431	1,160	1,625
Office occupancy	226	266	739	845
Depreciation	159	157	469	469
Director compensation	65	56	195	176
Deposit insurance premium	254	90	557	231
Advertising	68	61	221	173
Core deposit amortization	30	34	93	105
Other	627	453	1,751	1,460
Total non-interest expense	4,190	3,770	12,328	11,682
INCOME BEFORE INCOME TAXES	3,212	3,112	8,335	8,186
INCOME TAXES:
Current expense	513	1,096	1,748	2,366
Deferred expense (benefit)	69	(420)	(357)	1,193
Total income tax expense	582	676	1,391	3,559
NET INCOME	$ 2,630	$ 2,436	$ 6,944	$ 4,627
BASIC EARNINGS PER SHARE	$ 0.30	$ 0.28	$ 0.79	$ 0.52
DILUTED EARNINGS PER SHARE	0.29	0.26	0.78	0.50
DIVIDENDS PER SHARE	$ 0.50	$ 0.05	$ 0.60	$ 0.30

UNAUDITED CONSOLIDATED STATEM_4

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Statement Of Other Comprehensive Income [Abstract]
Net income	$ 2,630	$ 2,436	$ 6,944	$ 4,627
Unrealized holding gains (losses) on available-for-sale securities	8,577	(1,996)	16,522	(6,699)
Tax effect	(1,801)	275	(3,469)	1,407
Unrealized holding gains (losses) on interest rate swaps	(3,885)	(47)	(7,089)	187
Tax effect	816	16	1,489	(39)
Reclassification adjustment for net gains recorded in net income	(511)	(498)	(628)	(498)
Tax effect	107	105	132	105
Total other comprehensive income (loss)	3,303	(2,145)	6,957	(5,537)
Comprehensive income (loss)	$ 5,933	$ 291	$ 13,901	$ (910)

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				4,627		4,627
Other comprehensive income (loss)					(5,537)	(5,537)
Dividends paid ($0.50, $0.05, for three month ended June 30 ,2019 and June 30, 2018 and $0.60, $0.30 per share for six month ended June 30 ,2019 and June 30, 2018, respectively)				(2,694)		(2,694)
Purchase of treasury Stock (53,300 shares and 61,671 shares for June 30, 2019 and June 30, 2018 respectively and 159,665 shares and 161,101 shares for June 30, 2019 and June 30, 2018 resepectively).			(2,922)			(2,922)
Treasury stock used for employee benefit plans (10,747 shares and 72,362 shares for June 30, 2019 and for June 30, 2018 respectively and 61,156 shares and 161,812 shares for June 30, 2019 and for June 30, 2018 respectively)			(1,407)	2,474		1,067
Stock option expense			389			389
Restricted shares award expense			408			408
Reclassification due to change in federal income tax rate				303	(303)
BALANCE at Jun. 30, 2018	108	118,141	(27,155)	47,023	(6,600)	131,517
BALANCE at Mar. 31, 2018	108	118,549	(27,177)	45,035	(4,455)	132,060
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				2,436		2,436
Other comprehensive income (loss)					(2,145)	(2,145)
Dividends paid ($0.50, $0.05, for three month ended June 30 ,2019 and June 30, 2018 and $0.60, $0.30 per share for six month ended June 30 ,2019 and June 30, 2018, respectively)				(448)		(448)
Purchase of treasury Stock (53,300 shares and 61,671 shares for June 30, 2019 and June 30, 2018 respectively and 159,665 shares and 161,101 shares for June 30, 2019 and June 30, 2018 resepectively).			(1,118)			(1,118)
Treasury stock used for employee benefit plans (10,747 shares and 72,362 shares for June 30, 2019 and for June 30, 2018 respectively and 61,156 shares and 161,812 shares for June 30, 2019 and for June 30, 2018 respectively)		(716)	1,140			424
Stock option expense		150				150
Restricted shares award expense		158				158
BALANCE at Jun. 30, 2018	108	118,141	(27,155)	47,023	(6,600)	131,517
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				6,944		6,944
Other comprehensive income (loss)					6,957	6,957
Dividends paid ($0.50, $0.05, for three month ended June 30 ,2019 and June 30, 2018 and $0.60, $0.30 per share for six month ended June 30 ,2019 and June 30, 2018, respectively)				(5,339)		(5,339)
Purchase of treasury Stock (53,300 shares and 61,671 shares for June 30, 2019 and June 30, 2018 respectively and 159,665 shares and 161,101 shares for June 30, 2019 and June 30, 2018 resepectively).			(3,160)			(3,160)
Treasury stock used for employee benefit plans (10,747 shares and 72,362 shares for June 30, 2019 and for June 30, 2018 respectively and 61,156 shares and 161,812 shares for June 30, 2019 and for June 30, 2018 respectively)		(1,146)	1,196	1,196		50
Stock option expense		423				423
Restricted shares award expense		464				464
Reclassification for adoption of ASU 2016-01				25	(25)
BALANCE at Jun. 30, 2019	108	118,086	(29,708)	47,484	(1,222)	134,748
BALANCE at Mar. 31, 2019	108	117,976	(28,968)	49,300	(4,525)	133,891
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				2,630		2,630
Other comprehensive income (loss)					3,303	3,303
Dividends paid ($0.50, $0.05, for three month ended June 30 ,2019 and June 30, 2018 and $0.60, $0.30 per share for six month ended June 30 ,2019 and June 30, 2018, respectively)				(4,446)		(4,446)
Purchase of treasury Stock (53,300 shares and 61,671 shares for June 30, 2019 and June 30, 2018 respectively and 159,665 shares and 161,101 shares for June 30, 2019 and June 30, 2018 resepectively).			(912)			(912)
Treasury stock used for employee benefit plans (10,747 shares and 72,362 shares for June 30, 2019 and for June 30, 2018 respectively and 61,156 shares and 161,812 shares for June 30, 2019 and for June 30, 2018 respectively)		(193)	172			(21)
Stock option expense		146				146
Restricted shares award expense		157				157
BALANCE at Jun. 30, 2019	$ 108	$ 118,086	$ (29,708)	$ 47,484	$ (1,222)	$ 134,748

UNAUDITED CONSOLIDATED STATEM_6

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Statement Of Stockholders Equity [Abstract]
Dividends paid (in dollars per share)	$ 0.50	$ 0.05	$ 0.60	$ 0.30
Purchase of treasury stock	53,300	61,671	159,665	161,101
Treasury stock used for employee benefit plan	10,747	72,362	61,156	161,812

UNAUDITED CONSOLIDATED STATEM_7

UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
OPERATING ACTIVITIES:
Net income	$ 6,944	$ 4,627
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	469	469
Net (accretion) amortization of premiums/discounts	(1,387)	517
Provision for loan losses		685
Net amortization of deferred loan fees and costs	(111)	(43)
Share-based compensation expense for stock options and share awards	887	797
Income from bank owned life insurance	(473)	(480)
Gain on retirement of cash flow hedges		(808)
Loss (gain) on sale of other real estate owned	46
Gain (loss) on sale of investment and mortgage-backed securities available for sale	(628)	376
Holding gains on equity securities	(31)
Deferred income tax expense (benefit)	(357)	1,193
Changes in assets and liabilities which used cash:
Accrued interest receivable	(68)	(845)
Accrued interest payable	172	246
Other, net	(127)	590
Net cash provided by operating activities	5,336	7,324
INVESTING ACTIVITIES:
Purchase of investment and mortgage-backed securities available for sale	(196,059)	(113,535)
Purchase of investment and mortgage-backed securities held to maturity		(2,458)
Loans originated	(79,076)	(93,038)
Principal collected on loans	96,015	61,569
Principal payments received on investment and mortgage-backed securities:
Held-to-maturity	2,714	975
Available-for-sale	16,007	10,663
Proceeds from the sale of investments and mortgage-backed securities	67,849	11,052
Proceeds from retirement of cash flow hedges		856
Redemption of FHLB Stock	6,401	3,228
Purchase of FHLB stock	(12,172)	(5,135)
Purchase of Bank Owned Life Insurance	(2,500)
Proceeds from sale of other real estate owned	644	278
Purchases of equipment	(269)	(214)
Net cash used in investing activities	(100,446)	(125,759)
FINANCING ACTIVITIES:
Net increase (decrease) in demand deposits, NOW accounts, and savings accounts	12,144	(18,819)
Net increase (decrease) in certificates of deposit	(66,856)	98,131
Proceeds from FHLB advances - short term	26,500	15,000
Proceeds from FHLB advances - long term	139,315	70,000
Repayment of FHLB advances - long term	(19,088)	(34,776)
Increase in advances from borrowers for taxes and insurance	1,450	1,601
Cash dividends paid	(5,339)	(2,695)
Treasury stock used for employee benefit plans	50	1,067
Purchase of treasury stock	(3,160)	(2,922)
Net cash provided by financing activities	85,016	126,587
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(10,094)	8,152
CASH AND CASH EQUIVALENTS - Beginning of period	48,171	27,903
CASH AND CASH EQUIVALENTS - End of period	38,077	36,055
Cash paid during the period for:
Interest on deposits and advances from Federal Home Loan Bank	13,683	6,981
Income taxes paid	$ 1,325	1,900
Loans transferred to other real estate owned		$ 111

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Jun. 30, 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 by 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 Other Real Estate Owned, 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 Not Yet Adopted 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 In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses, Topic 326 In July 2019, the FASB issued ASU 2019-07, Codification Updates to SEC Sections, Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10532, Disclosure Update and Simplification, and Nos. 33-10231 and 33-10442, Investment Company Reporting Modernization, and Miscellaneous Updates. Disclosure Update and Simplification Investment Company Reporting Modernization

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Jun. 30, 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 June 30, 2019 2018 Basic Diluted Basic Diluted (Dollars in Thousands, Except Share and Per Share Data) Net income $ 2,630 $ 2,630 $ 2,436 $ 2,436 Weighted average shares outstanding 8,775,210 8,775,210 8,848,393 8,848,393 Effect of common stock equivalents - 162,094 - 378,912 Adjusted weighted average shares used in earnings per share computation 8,775,210 8,937,304 8,848,393 9,227,305 Earnings per share - basic and diluted $ 0.30 $ 0.29 $ 0.28 $ 0.26 Nine Months Ended June 30, 2019 2018 Basic Diluted Basic Diluted (Dollars in Thousands, Except Share and Per Share Data) Net income $ 6,944 $ 6,944 $ 4,627 $ 4,627 Weighted average shares outstanding 8,785,618 8,785,618 8,851,784 8,851,784 Effect of common stock equivalents - 156,932 - 342,432 Adjusted weighted average shares used in earnings per share computation 8,785,618 8,942,550 8,851,784 9,194,216 Earnings per share - basic and diluted $ 0.79 $ 0.78 $ 0.52 $ 0.50 As of June 30, 2019 and 2018, there were 550,832 and 774,404 shares of common stock, respectively, subject to options with an exercise price less than the then current market price per share for the Company’s common stock and which were included in the computation of diluted earnings per share. At June 30, 2019 and 2018, there were 202,500 and 202,500 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)	9 Months Ended
	Jun. 30, 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 June 30, Three Months Ended June 30, 2019 2019 2019 2018 2018 2018 (Dollars in Thousands) Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Unrealized gain (loss) on Unrealized gain (loss) on Total accumulated Beginning balance, April 1 $ (2,160 ) $ (2,365 ) $ (4,525 ) $ (4,965 ) $ 510 $ (4,455 ) Other comprehensive (loss) income before reclassifications 6,777 (3,070 ) 3,707 (1,476 ) (669 ) (2,145 ) Total 4,617 (5,435 ) (818 ) (6,441 ) (159 ) (6,600 ) Reclassification for net gains recorded in net income (404 ) - (404 ) - - - Ending Balance, June 30 $ 4,213 $ (5,435 ) $ (1,222 ) $ (6,441 ) $ (159 ) $ (6,600 ) (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: Nine Months Ended June 30, Nine Months Ended June 30, 2019 2019 2019 2018 2018 2018 (Dollars in Thousands) Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Unrealized gain (loss) on Unrealized gain (loss) on Total accumulated Beginning balance, October 1 $ (8,320 ) $ 166 $ (8,154 ) $ (1,091 ) $ 331 $ (760 ) Other comprehensive (loss) income before reclassification 13,054 (5,601 ) 7,453 (5,047 ) (490 ) (5,537 ) Total 4,734 (5,435 ) (701 ) (6,138 ) (159 ) (6,297 ) Reclassification from adoption of ASU 2016-01 (25 ) - (25 ) Reclassification for net gains recorded in net income (496 ) - (496 ) (303 ) - (303 ) Ending Balance, June 30 $ 4,213 $ (5,435 ) $ (1,222 ) $ (6,441 ) $ (159 ) $ (6,600 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits.

INVESTMENT AND MORTGAGE-BACKED

INVESTMENT AND MORTGAGE-BACKED SECURITIES	9 Months Ended
	Jun. 30, 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: June 30, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,112 $ - $ (134 ) $ 24,978 Mortgage-backed securities - U.S. government agencies 308,758 5,883 (1,211 ) 313,430 State and political subdivisions 34,729 15 (638 ) 34,106 Corporate bonds 64,253 1,501 (89 ) 65,665 Total securities available for sale $ 432,852 $ 7,399 $ (2,072 ) $ 438,179 Securities Held to Maturity: U.S. government and agency obligations $ 31,500 $ 150 $ (578 ) $ 31,072 Mortgage-backed securities - U.S. government agencies 5,086 204 (10 ) 5,280 State and political subdivisions 20,499 574 (54 ) 21,019 Total securities held to maturity $ 57,085 $ 928 $ (642 ) $ 57,371 June 30, 2019 Amortized Gross Gross Fair Cost Gains Losses Value (Dollars in Thousands) Equity securities FHLMC preferred stock $ 31 $ 38 $ - $ 69 Total equity securities $ 31 $ 38 $ $ 69 The Company recognized a net gain on equity securities of $38,000 for the nine months ended June 30, 2019 and a loss of $3,000 for the three months ended June 30, 2019. No net gains or losses on sold equity securities were realized during the nine or three months ended June 30, 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 Mortgage-backed securities - U.S. government agencies 193,451 77 (6,168 ) 187,360 State and political subdivisions 22,078 - (542 ) 21,536 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 Mortgage-backed securities - U.S. government agencies 5,778 148 (153 ) 5,773 State and political subdivisions 20,574 2 (696 ) 19,880 Total securities held to maturity $ 59,852 $ 235 $ (4,160 ) $ 55,927 As of June 30, 2019, the Bank maintained $244.1 million of securities in a safekeeping account at the FHLB of Pittsburgh available to be used for collateral and convenience. The Bank is only required to hold $54.7 million as specific collateral for its borrowings; therefore the $189.4 million excess 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 June 30, 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 $ - $ - $ (134 ) $ 20,977 $ (134 ) $ 20,977 Mortgage-backed securities - U.S. government agencies (15 ) 15,898 (1,196 ) 84,561 (1,211 ) 100,459 State and political subdivisions - - (638 ) 23,332 (638 ) 23,332 Corporate bonds (17 ) 1,986 (72 ) 6,958 (89 ) 8,944 Total securities available for sale $ (32 ) $ 17,884 $ (2,040 ) $ 135,828 $ (2,072 ) $ 153,712 Securities Held to Maturity: U.S. government and agency obligations $ - $ - $ (578 ) $ 29,921 $ (578 ) $ 29,921 Mortgage-backed securities - U.S. government agencies - - (10 ) 838 (10 ) 838 State and political subdivisions - - (54 ) 3,769 (54 ) 3,769 Total securities held to maturity $ - $ - $ (642 ) $ 34,528 $ (642 ) $ 34,528 Total $ (32 ) $ 17,884 $ (2,682 ) $ 170,356 $ (2,714 ) $ 188,240 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 bonds (1,719 ) 58,753 (820 ) 14,330 (2,539 ) 73,083 Total 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 (47 ) 930 (153 ) 3,560 State and political subdivisions (234 ) 11,238 (462 ) 6,618 (696 ) 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 nine months ended June 30, 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. June 30, 2019 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 1,705 $ 1,720 $ 13,407 $ 13,568 Due after five through ten years 24,751 25,206 50,847 52,097 Due after ten years 25,543 25,165 59,840 59,084 Total $ 51,999 $ 52,091 $ 124,094 $ 124,749 During the three and nine month periods ended June 30, 2019, the Company sold securities with an aggregate amortized cost of $49.1 million and $61.9 million, respectively, for a recognized aggregate gain of $511,000 and $628,000 respectively (pre-tax). During the both three and nine month periods ended June 30, 2018, the Company sold securities with an aggregate amortized cost of $11.7 million and none, respectively, for a recognized aggregate loss of $376,000 (pre-tax). The sales were of securities which bore yields below market rates in order to better position the securities portfolio in a rising rate environment.

LOANS RECEIVABLE

LOANS RECEIVABLE	9 Months Ended
	Jun. 30, 2019
Receivables [Abstract]
LOANS RECEIVABLE	5. LOANS RECEIVABLE Loans receivable consist of the following: June 30, September 30, 2019 2018 (Dollars in Thousands) One-to-four family residential $ 277,344 $ 324,865 Multi-family residential 31,068 34,355 Commercial real estate 132,007 119,511 Construction and land development 240,755 160,228 Loans to financial institutions 6,000 6,000 Commercial business 19,748 17,792 Leases 886 1,687 Consumer 863 953 Total loans 708,671 665,391 Undisbursed portion of loans-in-process (113,943 ) (54,474 ) Deferred loan fees (net) (2,891 ) (2,818 ) Allowance for loan losses (5,330 ) (5,167 ) Net loans $ 586,507 $ 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 June 30, 2019: One- to-four Multi-family Commercial real Construction and Loans to financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,030 320 1,286 1,907 63 207 9 6 502 5,330 Total ending allowance balance $ 1,030 $ 320 $ 1,286 $ 1,907 $ 63 $ 207 $ 9 $ 6 $ 502 $ 5,330 Loans: Individually evaluated for impairment $ 4,436 $ - $ 2,188 $ 8,750 $ - $ - $ - $ - $ 15,374 Collectively evaluated for impairment 272,908 31,068 129,819 232,005 6,000 19,748 886 863 693,297 Total loans $ 277,344 $ 31,068 $ 132,007 $ 240,755 $ 6,000 $ 19,748 $ 886 $ 863 $ 708,671 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-four Multi-family Commercial real Construction and Loans to financial 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 and/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 June 30, 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 $ - $ - $ 4,436 $ 4,436 $ 4,788 Commercial real estate - - 2,188 2,188 2,349 Construction and land development - - 8,750 8,750 11,131 Total impaired loans $ - $ - $ 15,374 $ 15,374 $ 18,268 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 June 30, 2019 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 4,633 $ 18 $ 6 Multi-family residential 144 - - Commercial real estate 2,192 10 1 Construction and land development 8,750 - - Consumer 5 - - Total impaired loans $ 15,724 $ 28 $ 7 Three Months Ended June 30, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,159 $ - $ 17 Multi-family residential 305 - - Commercial real estate 2,624 - 2 Construction and land development 8,745 - - Consumer - - - Total impaired loans $ 17,833 $ - $ 19 Nine Months Ended June 30, 2019 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 4,849 $ 62 $ 16 Multi-family residential 195 10 - Commercial real estate 2,151 30 3 Construction and land development 8,751 - - Consumer 5 - - Total impaired loans $ 15,951 $ 102 $ 19 Nine Months Ended June 30, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,636 $ 77 $ 21 Multi-family residential 307 11 - Commercial real estate 3,004 58 2 Construction and land development 8,741 - - Consumer - - - Total impaired loans $ 18,688 $ 146 $ 23 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. June 30, 2019 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 270,187 $ 2,721 $ 4,436 $ 277,344 Multi-family residential 30,744 324 - 31,068 Commercial real estate 125,780 4,039 2,188 132,007 Construction and land development 232,005 - 8,750 240,755 Loans to financial institutions 6,000 - - 6,000 Commercial business 19,748 - - 19,748 Total loans $ 684,464 $ 7,084 $ 15,374 $ 706,922 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. June 30, 2019 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 274,339 $ 3,005 $ 277,344 Leases 886 - 886 Consumer 863 - 863 Total loans $ 276,088 $ 3,005 $ 279,093 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: June 30, 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 $ 272,528 $ 2,439 $ 2,377 $ 4,816 $ 277,344 $ 3,005 $ - Multi-family residential 31,068 - - - 31,068 - - Commercial real estate 130,590 - 1,417 1,417 132,007 1,474 - Construction and land development 232,005 - 8,750 8,750 240,755 8,750 - Financial institutions 6,000 - - - 6,000 - - Commercial business 19,748 - - - 19,748 - - Leases 886 - - - 886 - - Consumer 807 56 - 56 863 - - Total loans $ 693,632 $ 2,495 $ 12,544 $ 15,039 $ 708,671 $ 13,229 $ - 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 nine month periods ended June 30, 2019 and 2018: Three Months Ended June 30, 2019 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at March 31, 2019 $ 1,314 $ 385 $ 1,342 $ 1,370 $ 68 $ 235 $ 13 $ 20 $ 480 $ 5,227 Charge-offs - - - - - - - - - - Recoveries 103 - - - - - - - - 103 Provision (387 ) (65 ) (56 ) 537 (5 ) (28 ) (4 ) (14 ) 22 - ALLL balance at June 30, 2019 $ 1,030 $ 320 $ 1,286 $ 1,907 $ 63 $ 207 $ 9 $ 6 $ 502 $ 5,330 Nine Months Ended June 30, 2019 One- to Multi- Commercial Construction Financial Commercial 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 163 - - - - - - - - 163 Provision (476 ) (27 ) 132 353 (1 ) 20 (9 ) (12 ) 20 - ALLL balance at June 30, 2019 $ 1,030 $ 320 $ 1,286 $ 1,907 $ 63 $ 207 $ 9 $ 6 $ 502 $ 5,330 Three Months Ended June 30, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Charge-offs (114 ) - - - - - (11 ) - - (125 ) Recoveries - - - - - - - - - - Provision 100 178 (27 ) 135 - 40 5 (81 ) (25 ) 325 ALLL balance at June 30, 2018 $ 1,294 $ 383 $ 1,056 $ 1,600 $ 62 $ 146 $ 23 $ 16 $ 461 $ 5,041 Nine Months Ended June 30, 2018 One- to Multi- Commercial Construction Financial Commercial 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 (125 ) - - (12 ) - - - - - (137 ) Recoveries 27 - - - - - - - - 27 Provision 151 178 (145 ) 254 62 142 - (8 ) 51 685 ALLL balance at June 30, 2018 $ 1,294 $ 383 $ 1,056 $ 1,600 $ 62 $ 146 $ 23 $ 16 $ 461 $ 5,041 The Company recorded no provision for loan losses for the three and nine months period ended June 30, 2019, respectively, compared to $325,000 and $685,000 for the comparable three and nine months periods in fiscal 2018. The provisions in the 2018 periods were primarily due to growth in the loan portfolio. During the quarter ended June 30, 2019, the Company recorded no charge offs and recoveries of $103,000. During the nine months ended June 30, 2019, the Company recorded no charge offs and recoveries of $163,000. During the quarter ended June 30, 2018, the Company recorded charge offs of $125,000 and no recoveries. During the nine months ended June 30, 2018, the Company recorded charge offs of $137,000 and recoveries of $27,000. At June 30, 2019, the Company had nine loans aggregating $6.0 million that were classified as troubled debt restructurings (“TDRs”). Five of the nine loans aggregating $633,000 were performing in accordance with their restructured terms as of June 30, 2019 and accruing interest, with four of the nine 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 June 30, 2017 related to this borrowing relationship). The remaining TDR is also on non-accrual and consists of a $437,000 loan secured by various commercial and residential properties. The Company did not approve any TDRs during the three and nine months ended June 30, 2019, or during the three and nine months ending June 30, 2018. No TDRs defaulted during the three and nine-month period endings June 30, 2019 or 2018.

DEPOSITS

DEPOSITS	9 Months Ended
	Jun. 30, 2019
Deposits [Abstract]
DEPOSITS	6. DEPOSITS Deposits consist of the following major classifications: June 30, September 30, 2019 2018 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 74,521 10.2 % $ 66,120 8.4 % Interest-bearing checking accounts 59,706 8.2 49,209 6.3 Non interest-bearing checking accounts 15,614 2.2 13,620 1.7 Passbook, club and statement savings 82,741 11.3 91,489 11.7 Certificates maturing in six months or less 272,172 37.3 301,184 38.4 Certificates maturing in more than six months 224,787 30.8 262,636 33.5 Total $ 729,541 100.0 % $ 784,258 100.0 % Certificates of $250,000 and over totaled $25.7 million as of June 30, 2019 and $81.9 million as of September 30, 2018.

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	9 Months Ended
	Jun. 30, 2019
Debt Disclosure [Abstract]
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	7. ADVANCES FROM FEDERAL HOME LOAN BANK – SHORT TERM As of June 30, 2019 and September 30, 2018 outstanding balances and related information of short-term borrowings from the FHLB are summarized as follows: June 30, 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-Jul-19 2.48 % Not Applicable $ 1,500 $ - Fixed Rate - Repo Plus 12-Jul-19 2.57 % Not Applicable 10,000 - Fixed Rate - Repo Plus 15-Jul-19 2.56 % Not Applicable 10,000 - Fixed Rate - Repo Plus 17-Jul-19 2.52 % Not Applicable 15,000 - Weighted average rate 2.54 % $ 36,500 $ 10,000 As of June 30, 2019, short-term advances include two $10.0 million and one $15.0 million 30 day FHLB advances associated with interest rate swap contracts. The additional $1.5 million at June 30, 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	9 Months Ended
	Jun. 30, 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 June 30, 2019 and September 30, 2018 are as follows: Lomg-term FHLB advances: Maturity range Weighted average Stated interest rate range June 30, 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 % $ 589 $ 1,639 Fixed Rate - Amortizing 1-Oct-20 30-Sep-21 2.69 % 1.94 % 2.83 % 16,609 23,288 Fixed Rate - Amortizing 1-Oct-21 30-Sep-22 2.81 % 1.99 % 3.05 % 9,517 11,848 Fixed Rate - Amortizing 1-Oct-22 30-Sep-23 2.88 % 1.94 % 3.11 % 7,340 8,550 Total 2.74 % $ 34,055 $ 45,325 Fixed Rate - Advances 1-Oct-18 30-Sep-19 2.66 % 2.66 % 2.66 % $ 3,004 $ 18,528 Fixed Rate - Advances 1-Oct-19 30-Sep-20 2.62 % 1.38 % 3.06 % 12,341 12,413 Fixed Rate - Advances 1-Oct-20 30-Sep-21 2.37 % 1.42 % 2.92 % 18,022 3,037 Fixed Rate - Advances 1-Oct-21 30-Sep-22 2.31 % 1.94 % 3.23 % 63,347 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 2.88 % 2.38 % 3.20 % 67,998 5,000 Total 2.62 % $ 230,711 $ 99,358 2.64 % Total $ 264,766 $ 144,683

DERIVATIVES

DERIVATIVES	9 Months Ended
	Jun. 30, 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 June 30, 2019 and September 30, 2018, while there are eight additional cash flow hedges tied to wholesale funding at June 30, 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 June 30, 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 nine months ended June 30, 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 three loans and seven investment securities as of June 30, 2019 and three loans and seven investments at 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 June 30, 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 $ (586 ) Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 16-Feb-27 (147 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (247 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 3-Jan-28 (465 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (116 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (426 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (280 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (272 ) Interest rate swap contract Commercial loan 8,000 4.85 % 1 Mth Libor +225 bp 1-Jun-28 - Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,044 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 (932 ) Interest rate swap contract 90 Day wholesale funding 15,000 2.75 % 3 Mth Libor 18-Jan-24 (678 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.66 % 3 Mth Libor 20-Feb-24 (1,065 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.56 % 3 Mth Libor 28-Feb-24 (955 ) Interest rate swap contract 30 Day wholesale funding 15,000 2.51 % 1 Mth Libor 15-Feb-24 (605 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.59 % 3 Mth Libor 13-Mar-24 (990 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.51 % 3 Mth Libor 27-Mar-24 (909 ) Interest rate swap contract 30 Day wholesale funding 10,000 1.94 % 1 Mth Libor 12-Jun-26 (156 ) Total $ (8,829 ) 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	9 Months Ended
	Jun. 30, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	10. INCOME TAXES Items that gave rise to significant portions of deferred income taxes are as follows: June 30, September 30, 2019 2018 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,465 $ 1,445 Nonaccrual interest 446 312 Accrued vacation 4 29 Capital loss carryforward 356 356 Split dollar life insurance 9 10 Post-retirement benefits 76 85 Unrealized losses on available for sale securities - 2,212 Unrealized losses on interest rate swaps 1,445 - Deferred compensation 816 838 Goodwill 72 80 Other 49 55 Employee benefit plans 375 239 Total deferred tax assets 5,113 5,661 Valuation allowance (356 ) (356 ) Total deferred tax assets, net of valuation allowance 4,757 5,305 Deferred tax liabilities: Property 159 179 Unrealized gains on available for sale securities 1,118 - Unrealized gains on interest rate swaps - 44 Purchase accounting adjustments 102 59 Deferred loan fees 213 368 Total deferred tax liabilities 1,592 650 Net deferred tax assets $ 3,165 $ 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 June 30, 2019, and September 30, 2018, respectively. For the nine-month period ended June 30, 2019, the Company recorded income tax expense of $1.4 million compared to income tax expense of $3.6 million for the period ended June 30, 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, 2015 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.

STOCK COMPENSATION PLANS

STOCK COMPENSATION PLANS	9 Months Ended
	Jun. 30, 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. Grants can no longer be made pursuant to the 2008 RRP. 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 nine months ended June 30, 2019, an aggregate of $157,000 and $464,000, 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 nine months ended June 30, 2018, $158,000 and $408,000, respectively, was recognized in compensation expense for the grants pursuant to the 2008 RRP and the grants pursuant to the 2014 SIP. At June 30, 2019, approximately $870,000 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 nine months ended June 30, 2019 and 2018 is presented in the following tables: Nine 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 June 30, 2019 72,892 $ 14.95 Nine 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 June 30, 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 June 30, 2019, all of the options had been awarded under the 2008 Option Plan and no further options can be awarded, even if existing options under the 2008 option plan are forfeited. 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 for the nine months ended June 30, 2019 and 2018 are presented below: Nine Months Ended Number of Weighted Average Outstanding at October 1, 2018 869,026 $ 13.41 Granted - - Exercised (109,694 ) 11.91 Forfeited (6,000 ) 12.23 Outstanding at June 30, 2019 753,332 $ 13.64 Exercisable at June 30, 2019 530,953 $ 12.37 Nine Months Ended Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted 177,500 18.46 Exercised (110,926 ) 11.73 Forfeited (12,234 ) 11.90 Outstanding at June 30, 2018 976,904 $ 13.15 Exercisable at June 30, 2018 521,630 $ 11.49 The weighted average remaining contractual term was approximately 7.0 years for options outstanding as of June 30, 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 nine months ended June 30, 2019, $146,000 and $423,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. During the three and nine months ended June 30, 2018, $150,000 and $389,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. At June 30, 2019, there was approximately $887,000 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 2.5 years.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	9 Months Ended
	Jun. 30, 2019
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	12. COMMITMENTS AND CONTINGENT LIABILITIES At June 30, 2019, the Company had a total of $50.8 million in outstanding commitments to originate loans with market interest rates ranging from 5.75% to 7.00%. 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 related to the bank’s construction loans amounted to $113.9 million at June 30, 2019 and $54.5 million at September 30, 2018. The Company also had commitments under unused lines of credit aggregating $36.8 million as of June 30, 2019 and $51.9 million as of September 30, 2018 and letters of credit outstanding of $1.6 million as of June 30, 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 June 30, 2019, the exposure, which represents a portion of credit risk associated with the interests sold, amounted to $1.4 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	9 Months Ended
	Jun. 30, 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 June 30, 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 June 30, 2019 which are measured at fair value on a recurring basis were 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 $ - $ 24,978 $ - $ 24,978 Mortgage-backed securities - U.S. Government agencies - 313,430 - 313,430 State and political subdivisions - 34,106 - 34,106 Corporate bonds - 65,665 - 65,665 Equity securities 69 - - 69 Total $ 69 $ 438,179 $ - $ 438,248 Liabilities Interest rate swap contracts $ - $ 8,806 $ - $ 8,806 Total $ - $ 8,806 $ - $ 8,806 Those assets as of September 30, 2018 which are measured at fair value on a recurring basis were 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 Mortgage-backed securities - U.S. Government agencies - 187,360 - 187,360 State and political subdivisions - 21,536 - 21,536 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 $15.4 million as of June 30, 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 June 30, 2019 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 15,374 $ 15,374 Other real estate owned - - 423 423 Total $ - $ - $ 15,797 $ 15,797 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 June 30, 2019 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 15,374 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 6/30/2019 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 38,077 $ 38,077 $ 38,077 $ - $ - Certificates of deposit 2,351 2,351 2,351 - - Investment and mortgage-backed securities available for sale 438,179 438,179 - 438,179 - Equity securities 69 69 69 Investment and mortgage-backed securities held to maturity 57,085 57,371 - 57,371 - Loans receivable, net 586,507 583,990 - - 583,990 Accrued interest receivable 3,893 3,893 3,893 - - Restricted bank stock 13,356 13,356 13,356 - - Bank owned life insurance 31,669 31,669 31,669 - - Liabilities: Checking accounts 75,320 75,320 75,320 - - Money market deposit accounts 74,521 74,521 74,521 - - Passbook, club and statement savings accounts 82,741 82,741 82,741 - - Certificates of deposit 496,959 501,954 - - 501,954 Advances from FHLB short-term 36,500 36,500 36,500 - Advances from FHLB long-term 264,766 269,934 - - 269,934 Accrued interest payable 3,404 3,404 3,404 - - Advances from borrowers for taxes and insurance 3,533 3,533 3,533 - - Interest rate swap contracts 8,806 8,806 - 8,806 - 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	9 Months Ended
	Jun. 30, 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, Inc. on January 1, 2017. Balance Balance October 1, Additions/ June 30, Amortization 2018 Adjustments Amortization 2019 Period Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 571 - (93 ) 478 10 years $ 6,673 $ - $ (93 ) $ 6,580 As of June 30, 2019, the current fiscal year and the future fiscal periods amortization expense for the core deposit intangible is: Fiscal year (In Thousands) 2019 (remaining) $ 30 2020 108 2021 93 2022 78 2023 64 Thereafter 105 Total $ 478

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Jun. 30, 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 Other Real Estate Owned, 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 Not Yet Adopted 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 In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses, Topic 326 In July 2019, the FASB issued ASU 2019-07, Codification Updates to SEC Sections, Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10532, Disclosure Update and Simplification, and Nos. 33-10231 and 33-10442, Investment Company Reporting Modernization, and Miscellaneous Updates. Disclosure Update and Simplification Investment Company Reporting Modernization

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Jun. 30, 2019
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Three Months Ended June 30, 2019 2018 Basic Diluted Basic Diluted (Dollars in Thousands, Except Share and Per Share Data) Net income $ 2,630 $ 2,630 $ 2,436 $ 2,436 Weighted average shares outstanding 8,775,210 8,775,210 8,848,393 8,848,393 Effect of common stock equivalents - 162,094 - 378,912 Adjusted weighted average shares used in earnings per share computation 8,775,210 8,937,304 8,848,393 9,227,305 Earnings per share - basic and diluted $ 0.30 $ 0.29 $ 0.28 $ 0.26 Nine Months Ended June 30, 2019 2018 Basic Diluted Basic Diluted (Dollars in Thousands, Except Share and Per Share Data) Net income $ 6,944 $ 6,944 $ 4,627 $ 4,627 Weighted average shares outstanding 8,785,618 8,785,618 8,851,784 8,851,784 Effect of common stock equivalents - 156,932 - 342,432 Adjusted weighted average shares used in earnings per share computation 8,785,618 8,942,550 8,851,784 9,194,216 Earnings per share - basic and diluted $ 0.79 $ 0.78 $ 0.52 $ 0.50

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)	9 Months Ended
	Jun. 30, 2019
Accumulated Other Comprehensive Income [Abstract]
Schedule of changes in accumulated other comprehensive (loss) income	Three Months Ended June 30, Three Months Ended June 30, 2019 2019 2019 2018 2018 2018 (Dollars in Thousands) Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Unrealized gain (loss) on Unrealized gain (loss) on Total accumulated Beginning balance, April 1 $ (2,160 ) $ (2,365 ) $ (4,525 ) $ (4,965 ) $ 510 $ (4,455 ) Other comprehensive (loss) income before reclassifications 6,777 (3,070 ) 3,707 (1,476 ) (669 ) (2,145 ) Total 4,617 (5,435 ) (818 ) (6,441 ) (159 ) (6,600 ) Reclassification for net gains recorded in net income (404 ) - (404 ) - - - Ending Balance, June 30 $ 4,213 $ (5,435 ) $ (1,222 ) $ (6,441 ) $ (159 ) $ (6,600 ) (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: Nine Months Ended June 30, Nine Months Ended June 30, 2019 2019 2019 2018 2018 2018 (Dollars in Thousands) Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Unrealized gain (loss) on Unrealized gain (loss) on Total accumulated Beginning balance, October 1 $ (8,320 ) $ 166 $ (8,154 ) $ (1,091 ) $ 331 $ (760 ) Other comprehensive (loss) income before reclassification 13,054 (5,601 ) 7,453 (5,047 ) (490 ) (5,537 ) Total 4,734 (5,435 ) (701 ) (6,138 ) (159 ) (6,297 ) Reclassification from adoption of ASU 2016-01 (25 ) - (25 ) Reclassification for net gains recorded in net income (496 ) - (496 ) (303 ) - (303 ) Ending Balance, June 30 $ 4,213 $ (5,435 ) $ (1,222 ) $ (6,441 ) $ (159 ) $ (6,600 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits.

INVESTMENT AND MORTGAGE-BACKE_2

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Tables)	9 Months Ended
	Jun. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities, with gross unrealized gains and losses	June 30, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,112 $ - $ (134 ) $ 24,978 Mortgage-backed securities - U.S. government agencies 308,758 5,883 (1,211 ) 313,430 State and political subdivisions 34,729 15 (638 ) 34,106 Corporate bonds 64,253 1,501 (89 ) 65,665 Total securities available for sale $ 432,852 $ 7,399 $ (2,072 ) $ 438,179 Securities Held to Maturity: U.S. government and agency obligations $ 31,500 $ 150 $ (578 ) $ 31,072 Mortgage-backed securities - U.S. government agencies 5,086 204 (10 ) 5,280 State and political subdivisions 20,499 574 (54 ) 21,019 Total securities held to maturity $ 57,085 $ 928 $ (642 ) $ 57,371 June 30, 2019 Amortized Gross Gross Fair Cost Gains Losses Value (Dollars in Thousands) Equity securities FHLMC preferred stock $ 31 $ 38 $ - $ 69 Total equity securities $ 31 $ 38 $ $ 69 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 Mortgage-backed securities - U.S. government agencies 193,451 77 (6,168 ) 187,360 State and political subdivisions 22,078 - (542 ) 21,536 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 Mortgage-backed securities - U.S. government agencies 5,778 148 (153 ) 5,773 State and political subdivisions 20,574 2 (696 ) 19,880 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 June 30, 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 $ - $ - $ (134 ) $ 20,977 $ (134 ) $ 20,977 Mortgage-backed securities - U.S. government agencies (15 ) 15,898 (1,196 ) 84,561 (1,211 ) 100,459 State and political subdivisions - - (638 ) 23,332 (638 ) 23,332 Corporate bonds (17 ) 1,986 (72 ) 6,958 (89 ) 8,944 Total securities available for sale $ (32 ) $ 17,884 $ (2,040 ) $ 135,828 $ (2,072 ) $ 153,712 Securities Held to Maturity: U.S. government and agency obligations $ - $ - $ (578 ) $ 29,921 $ (578 ) $ 29,921 Mortgage-backed securities - U.S. government agencies - - (10 ) 838 (10 ) 838 State and political subdivisions - - (54 ) 3,769 (54 ) 3,769 Total securities held to maturity $ - $ - $ (642 ) $ 34,528 $ (642 ) $ 34,528 Total $ (32 ) $ 17,884 $ (2,682 ) $ 170,356 $ (2,714 ) $ 188,240 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 bonds (1,719 ) 58,753 (820 ) 14,330 (2,539 ) 73,083 Total 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 (47 ) 930 (153 ) 3,560 State and political subdivisions (234 ) 11,238 (462 ) 6,618 (696 ) 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	June 30, 2019 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 1,705 $ 1,720 $ 13,407 $ 13,568 Due after five through ten years 24,751 25,206 50,847 52,097 Due after ten years 25,543 25,165 59,840 59,084 Total $ 51,999 $ 52,091 $ 124,094 $ 124,749

LOANS RECEIVABLE (Tables)

LOANS RECEIVABLE (Tables)	9 Months Ended
	Jun. 30, 2019
Receivables [Abstract]
Schedule of loans receivable	June 30, September 30, 2019 2018 (Dollars in Thousands) One-to-four family residential $ 277,344 $ 324,865 Multi-family residential 31,068 34,355 Commercial real estate 132,007 119,511 Construction and land development 240,755 160,228 Loans to financial institutions 6,000 6,000 Commercial business 19,748 17,792 Leases 886 1,687 Consumer 863 953 Total loans 708,671 665,391 Undisbursed portion of loans-in-process (113,943 ) (54,474 ) Deferred loan fees (net) (2,891 ) (2,818 ) Allowance for loan losses (5,330 ) (5,167 ) Net loans $ 586,507 $ 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 June 30, 2019: One- to-four Multi-family Commercial real Construction and Loans to financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,030 320 1,286 1,907 63 207 9 6 502 5,330 Total ending allowance balance $ 1,030 $ 320 $ 1,286 $ 1,907 $ 63 $ 207 $ 9 $ 6 $ 502 $ 5,330 Loans: Individually evaluated for impairment $ 4,436 $ - $ 2,188 $ 8,750 $ - $ - $ - $ - $ 15,374 Collectively evaluated for impairment 272,908 31,068 129,819 232,005 6,000 19,748 886 863 693,297 Total loans $ 277,344 $ 31,068 $ 132,007 $ 240,755 $ 6,000 $ 19,748 $ 886 $ 863 $ 708,671 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-four Multi-family Commercial real Construction and Loans to financial 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 June 30, 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 $ - $ - $ 4,436 $ 4,436 $ 4,788 Commercial real estate - - 2,188 2,188 2,349 Construction and land development - - 8,750 8,750 11,131 Total impaired loans $ - $ - $ 15,374 $ 15,374 $ 18,268 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 June 30, 2019 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 4,633 $ 18 $ 6 Multi-family residential 144 - - Commercial real estate 2,192 10 1 Construction and land development 8,750 - - Consumer 5 - - Total impaired loans $ 15,724 $ 28 $ 7 Three Months Ended June 30, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,159 $ - $ 17 Multi-family residential 305 - - Commercial real estate 2,624 - 2 Construction and land development 8,745 - - Consumer - - - Total impaired loans $ 17,833 $ - $ 19 Nine Months Ended June 30, 2019 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 4,849 $ 62 $ 16 Multi-family residential 195 10 - Commercial real estate 2,151 30 3 Construction and land development 8,751 - - Consumer 5 - - Total impaired loans $ 15,951 $ 102 $ 19 Nine Months Ended June 30, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,636 $ 77 $ 21 Multi-family residential 307 11 - Commercial real estate 3,004 58 2 Construction and land development 8,741 - - Consumer - - - Total impaired loans $ 18,688 $ 146 $ 23
Schedule of classes of the loan portfolio in which a formal risk weighting system is utilized	June 30, 2019 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 270,187 $ 2,721 $ 4,436 $ 277,344 Multi-family residential 30,744 324 - 31,068 Commercial real estate 125,780 4,039 2,188 132,007 Construction and land development 232,005 - 8,750 240,755 Loans to financial institutions 6,000 - - 6,000 Commercial business 19,748 - - 19,748 Total loans $ 684,464 $ 7,084 $ 15,374 $ 706,922 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	June 30, 2019 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 274,339 $ 3,005 $ 277,344 Leases 886 - 886 Consumer 863 - 863 Total loans $ 276,088 $ 3,005 $ 279,093 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	June 30, 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 $ 272,528 $ 2,439 $ 2,377 $ 4,816 $ 277,344 $ 3,005 $ - Multi-family residential 31,068 - - - 31,068 - - Commercial real estate 130,590 - 1,417 1,417 132,007 1,474 - Construction and land development 232,005 - 8,750 8,750 240,755 8,750 - Financial institutions 6,000 - - - 6,000 - - Commercial business 19,748 - - - 19,748 - - Leases 886 - - - 886 - - Consumer 807 56 - 56 863 - - Total loans $ 693,632 $ 2,495 $ 12,544 $ 15,039 $ 708,671 $ 13,229 $ - 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 June 30, 2019 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at March 31, 2019 $ 1,314 $ 385 $ 1,342 $ 1,370 $ 68 $ 235 $ 13 $ 20 $ 480 $ 5,227 Charge-offs - - - - - - - - - - Recoveries 103 - - - - - - - - 103 Provision (387 ) (65 ) (56 ) 537 (5 ) (28 ) (4 ) (14 ) 22 - ALLL balance at June 30, 2019 $ 1,030 $ 320 $ 1,286 $ 1,907 $ 63 $ 207 $ 9 $ 6 $ 502 $ 5,330 Nine Months Ended June 30, 2019 One- to Multi- Commercial Construction Financial Commercial 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 163 - - - - - - - - 163 Provision (476 ) (27 ) 132 353 (1 ) 20 (9 ) (12 ) 20 - ALLL balance at June 30, 2019 $ 1,030 $ 320 $ 1,286 $ 1,907 $ 63 $ 207 $ 9 $ 6 $ 502 $ 5,330 Three Months Ended June 30, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Charge-offs (114 ) - - - - - (11 ) - - (125 ) Recoveries - - - - - - - - - - Provision 100 178 (27 ) 135 - 40 5 (81 ) (25 ) 325 ALLL balance at June 30, 2018 $ 1,294 $ 383 $ 1,056 $ 1,600 $ 62 $ 146 $ 23 $ 16 $ 461 $ 5,041 Nine Months Ended June 30, 2018 One- to Multi- Commercial Construction Financial Commercial 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 (125 ) - - (12 ) - - - - - (137 ) Recoveries 27 - - - - - - - - 27 Provision 151 178 (145 ) 254 62 142 - (8 ) 51 685 ALLL balance at June 30, 2018 $ 1,294 $ 383 $ 1,056 $ 1,600 $ 62 $ 146 $ 23 $ 16 $ 461 $ 5,041

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Jun. 30, 2019
Deposits [Abstract]
Schedule of major classifications of deposits	June 30, September 30, 2019 2018 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 74,521 10.2 % $ 66,120 8.4 % Interest-bearing checking accounts 59,706 8.2 49,209 6.3 Non interest-bearing checking accounts 15,614 2.2 13,620 1.7 Passbook, club and statement savings 82,741 11.3 91,489 11.7 Certificates maturing in six months or less 272,172 37.3 301,184 38.4 Certificates maturing in more than six months 224,787 30.8 262,636 33.5 Total $ 729,541 100.0 % $ 784,258 100.0 %

ADVANCES FROM FEDERAL HOME LO_3

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Tables)	9 Months Ended
	Jun. 30, 2019
Debt Disclosure [Abstract]
Schedule of short-term borrowings from the FHLB	June 30, 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-Jul-19 2.48 % Not Applicable $ 1,500 $ - Fixed Rate - Repo Plus 12-Jul-19 2.57 % Not Applicable 10,000 - Fixed Rate - Repo Plus 15-Jul-19 2.56 % Not Applicable 10,000 - Fixed Rate - Repo Plus 17-Jul-19 2.52 % Not Applicable 15,000 - Weighted average rate 2.54 % $ 36,500 $ 10,000

ADVANCES FROM FEDERAL HOME LO_4

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Tables)	9 Months Ended
	Jun. 30, 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 June 30, 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 % $ 589 $ 1,639 Fixed Rate - Amortizing 1-Oct-20 30-Sep-21 2.69 % 1.94 % 2.83 % 16,609 23,288 Fixed Rate - Amortizing 1-Oct-21 30-Sep-22 2.81 % 1.99 % 3.05 % 9,517 11,848 Fixed Rate - Amortizing 1-Oct-22 30-Sep-23 2.88 % 1.94 % 3.11 % 7,340 8,550 Total 2.74 % $ 34,055 $ 45,325 Fixed Rate - Advances 1-Oct-18 30-Sep-19 2.66 % 2.66 % 2.66 % $ 3,004 $ 18,528 Fixed Rate - Advances 1-Oct-19 30-Sep-20 2.62 % 1.38 % 3.06 % 12,341 12,413 Fixed Rate - Advances 1-Oct-20 30-Sep-21 2.37 % 1.42 % 2.92 % 18,022 3,037 Fixed Rate - Advances 1-Oct-21 30-Sep-22 2.31 % 1.94 % 3.23 % 63,347 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 2.88 % 2.38 % 3.20 % 67,998 5,000 Total 2.62 % $ 230,711 $ 99,358 2.64 % Total $ 264,766 $ 144,683

DERIVATIVES (Tables)

DERIVATIVES (Tables)	9 Months Ended
	Jun. 30, 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 June 30, 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 $ (586 ) Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 16-Feb-27 (147 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (247 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 3-Jan-28 (465 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (116 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (426 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (280 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (272 ) Interest rate swap contract Commercial loan 8,000 4.85 % 1 Mth Libor +225 bp 1-Jun-28 - Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,044 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 (932 ) Interest rate swap contract 90 Day wholesale funding 15,000 2.75 % 3 Mth Libor 18-Jan-24 (678 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.66 % 3 Mth Libor 20-Feb-24 (1,065 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.56 % 3 Mth Libor 28-Feb-24 (955 ) Interest rate swap contract 30 Day wholesale funding 15,000 2.51 % 1 Mth Libor 15-Feb-24 (605 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.59 % 3 Mth Libor 13-Mar-24 (990 ) Interest rate swap contract 90 Day wholesale funding 25,000 2.51 % 3 Mth Libor 27-Mar-24 (909 ) Interest rate swap contract 30 Day wholesale funding 10,000 1.94 % 1 Mth Libor 12-Jun-26 (156 ) Total $ (8,829 ) 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)	9 Months Ended
	Jun. 30, 2019
Income Tax Disclosure [Abstract]
Schedule of deferred income taxes	June 30, September 30, 2019 2018 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,465 $ 1,445 Nonaccrual interest 446 312 Accrued vacation 4 29 Capital loss carryforward 356 356 Split dollar life insurance 9 10 Post-retirement benefits 76 85 Unrealized losses on available for sale securities - 2,212 Unrealized losses on interest rate swaps 1,445 - Deferred compensation 816 838 Goodwill 72 80 Other 49 55 Employee benefit plans 375 239 Total deferred tax assets 5,113 5,661 Valuation allowance (356 ) (356 ) Total deferred tax assets, net of valuation allowance 4,757 5,305 Deferred tax liabilities: Property 159 179 Unrealized gains on available for sale securities 1,118 - Unrealized gains on interest rate swaps - 44 Purchase accounting adjustments 102 59 Deferred loan fees 213 368 Total deferred tax liabilities 1,592 650 Net deferred tax assets $ 3,165 $ 4,655

STOCK COMPENSATION PLANS (Table

STOCK COMPENSATION PLANS (Tables)	9 Months Ended
	Jun. 30, 2019
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
Schedule of summary of the non-vested stock award activity	Nine 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 June 30, 2019 72,892 $ 14.95 Nine 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 June 30, 2018 129,083 $ 14.17
Schedule of summary of the status of the company' stock options under the stock option plan	Nine Months Ended Number of Weighted Average Outstanding at October 1, 2018 869,026 $ 13.41 Granted - - Exercised (109,694 ) 11.91 Forfeited (6,000 ) 12.23 Outstanding at June 30, 2019 753,332 $ 13.64 Exercisable at June 30, 2019 530,953 $ 12.37 Nine Months Ended Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted 177,500 18.46 Exercised (110,926 ) 11.73 Forfeited (12,234 ) 11.90 Outstanding at June 30, 2018 976,904 $ 13.15 Exercisable at June 30, 2018 521,630 $ 11.49

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	9 Months Ended
	Jun. 30, 2019
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on recurring basis	Those assets and liabilities as of June 30, 2019 which are measured at fair value on a recurring basis were 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 $ - $ 24,978 $ - $ 24,978 Mortgage-backed securities - U.S. Government agencies - 313,430 - 313,430 State and political subdivisions - 34,106 - 34,106 Corporate bonds - 65,665 - 65,665 Equity securities 69 - - 69 Total $ 69 $ 438,179 $ - $ 438,248 Liabilities Interest rate swap contracts $ - $ 8,806 $ - $ 8,806 Total $ - $ 8,806 $ - $ 8,806 Those assets as of September 30, 2018 which are measured at fair value on a recurring basis were 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 Mortgage-backed securities - U.S. Government agencies - 187,360 - 187,360 State and political subdivisions - 21,536 - 21,536 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 June 30, 2019 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 15,374 $ 15,374 Other real estate owned - - 423 423 Total $ - $ - $ 15,797 $ 15,797 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 June 30, 2019 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 15,374 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 6/30/2019 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 38,077 $ 38,077 $ 38,077 $ - $ - Certificates of deposit 2,351 2,351 2,351 - - Investment and mortgage-backed securities available for sale 438,179 438,179 - 438,179 - Equity securities 69 69 69 Investment and mortgage-backed securities held to maturity 57,085 57,371 - 57,371 - Loans receivable, net 586,507 583,990 - - 583,990 Accrued interest receivable 3,893 3,893 3,893 - - Restricted bank stock 13,356 13,356 13,356 - - Bank owned life insurance 31,669 31,669 31,669 - - Liabilities: Checking accounts 75,320 75,320 75,320 - - Money market deposit accounts 74,521 74,521 74,521 - - Passbook, club and statement savings accounts 82,741 82,741 82,741 - - Certificates of deposit 496,959 501,954 - - 501,954 Advances from FHLB short-term 36,500 36,500 36,500 - Advances from FHLB long-term 264,766 269,934 - - 269,934 Accrued interest payable 3,404 3,404 3,404 - - Advances from borrowers for taxes and insurance 3,533 3,533 3,533 - - Interest rate swap contracts 8,806 8,806 - 8,806 - 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)	9 Months Ended
	Jun. 30, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill and intangible assets are related to the acquisition of Polonia Bancorp	Balance Balance October 1, Additions/ June 30, Amortization 2018 Adjustments Amortization 2019 Period Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 571 - (93 ) 478 10 years $ 6,673 $ - $ (93 ) $ 6,580
Schedule of future fiscal periods amortization expense for core deposit intangible	Fiscal year (In Thousands) 2019 (remaining) $ 30 2020 108 2021 93 2022 78 2023 64 Thereafter 105 Total $ 478

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES (Detail Textuals)	9 Months Ended
	Jun. 30, 2019Branch
Significant Accounting Policies [Line Items]
Number of full service branch offices	9
ASU 2016-02, Leases (Topic 842)
Significant Accounting Policies [Line Items]
Number of banking offices	10
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		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Earnings per share - basic
Net income	$ 2,630	$ 2,436	$ 6,944	$ 4,627
Weighted average shares outstanding - basic	8,775,210	8,848,393	8,785,618	8,851,784
Effect of common stock equivalents - basic	0	0	0	0
Adjusted weighted average shares used in earnings per share computation - basic	8,775,210	8,848,393	8,785,618	8,851,784
Earnings per share - basic (in dollars per share)	$ 0.30	$ 0.28	$ 0.79	$ 0.52
Earnings per share - diluted
Net income (loss)	$ 2,630	$ 2,436	$ 6,944	$ 4,627
Weighted average shares outstanding - diluted	8,775,210	8,848,393	8,785,618	8,851,784
Effect of common stock equivalents - diluted	162,094	378,912	156,932	342,432
Adjusted weighted average shares used in earnings per share computation - diluted	8,937,304	9,227,305	8,942,550	9,194,216
Earnings per share - diluted (in dollars per share)	$ 0.29	$ 0.26	$ 0.78	$ 0.50

EARNINGS PER SHARE (Detail Text

EARNINGS PER SHARE (Detail Textuals) - shares	Jun. 30, 2019	Sep. 30, 2018
Earnings Per Share [Abstract]
Adjusted weighted average shares of common stock used in diluted earnings per share computation	550,832	774,404
Adjusted weighted average shares of common stock having exercise prices less than the current market value and are considered anti-dilutive	202,500	202,500

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		9 Months Ended
		Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance				$ (8,154)
Total		$ 3,303	$ (2,145)	6,957	$ (5,537)
Ending balance		(1,222)		(1,222)
Total accumulated other comprehensive income (loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance		(4,525)	(4,455)	(8,154)	(760)
Other comprehensive (loss) income before reclassification		3,707	(2,145)	7,453	(5,537)
Total		(818)	(6,600)	(701)	(6,297)
Reclassification from adoption of ASU 2016-01				(25)
Reclassification for net gains recorded in net income		(404)	0	(496)	(303)
Ending balance		(1,222)	(6,600)	(1,222)	(6,600)
Unrealized gain (loss) on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	[1]	(2,160)	(4,965)	(8,320)	(1,091)
Other comprehensive (loss) income before reclassification	[1]	6,777	(1,476)	13,054	(5,047)
Total	[1]	4,617	(6,441)	4,734	(6,138)
Reclassification from adoption of ASU 2016-01	[1]			(25)
Reclassification for net gains recorded in net income	[1]	(404)	0	(496)	(303)
Ending balance	[1]	4,213	(6,441)	4,213	(6,441)
Unrealized gain (loss) on interest rate swaps
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	[1]	(2,365)	510	166	331
Other comprehensive (loss) income before reclassification	[1]	(3,070)	(669)	(5,601)	(490)
Total	[1]	(5,435)	(159)	(5,435)	(159)
Reclassification from adoption of ASU 2016-01	[1]			0
Reclassification for net gains recorded in net income	[1]	0	0	0	0
Ending balance	[1]	$ (5,435)	$ (159)	$ (5,435)	$ (159)
[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	Jun. 30, 2019	Sep. 30, 2018
Securities Available for Sale:
Equity securities, Amortized Cost	$ 31
Equity securities, Gross Unrealized Gains	38
Equity securities, Gross Unrealized Losses	0
Equity securities, Fair Value	69
Total securities available for sale, Amortized Cost	432,852	$ 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	438,179	306,187
U.S. government and agency obligations
Securities Available for Sale:
Amortized Cost	25,112	25,562
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(134)	(1,391)
Fair Value	24,978	24,171
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Amortized Cost	308,758	193,451
Gross Unrealized Gains	5,883	77
Gross Unrealized Losses	(1,211)	(6,168)
Fair Value	313,430	187,360
State and political subdivisions
Securities Available for Sale:
Amortized Cost	34,729	22,078
Gross Unrealized Gains	15	0
Gross Unrealized Losses	(638)	(542)
Fair Value	34,106	21,536
Corporate bonds
Securities Available for Sale:
Amortized Cost	64,253	75,622
Gross Unrealized Gains	1,501	0
Gross Unrealized Losses	(89)	(2,539)
Fair Value	65,665	73,083
Total securities available for sale
Securities Available for Sale:
Total securities available for sale, Amortized Cost	432,852	316,713
Total securities available for sale, Gross Unrealized Gains	7,399	77
Total securities available for sale, Gross Unrealized Losses	(2,072)	(10,640)
Total securities available for sale, Fair Value	438,179	306,150
FHLMC preferred stock
Securities Available for Sale:
Equity securities, Amortized Cost	31	6
Equity securities, Gross Unrealized Gains	38	31
Equity securities, Gross Unrealized Losses	0	0
Equity securities, Fair Value	$ 69	$ 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	Jun. 30, 2019	Sep. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 57,085	$ 59,852
Gross Unrealized Gains	928	235
Gross unrealized losses	(642)	(4,160)
Fair value	57,371	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	150	85
Gross unrealized losses	(578)	(3,311)
Fair value	31,072	30,274
Mortgage-backed securities - U.S. government agencies
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	5,086	5,778
Gross Unrealized Gains	204	148
Gross unrealized losses	(10)	(153)
Fair value	5,280	5,773
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	20,499	20,574
Gross Unrealized Gains	574	2
Gross unrealized losses	(54)	(696)
Fair value	$ 21,019	$ 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	Jun. 30, 2019	Sep. 30, 2018
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	$ (32)	$ (4,171)
Less than 12 months - Fair value	17,884	177,619
More than 12 months - Gross Unrealized Losses	(2,040)	(6,469)
More than 12 months - Fair value	135,828	120,290
Gross Unrealized Losses - Total	(2,072)	(10,640)
Fair Value - Total	153,712	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	(134)	(1,302)
More than 12 months - Fair value	20,977	19,692
Gross Unrealized Losses - Total	(134)	(1,391)
Fair Value - Total	20,977	24,171
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(15)	(1,821)
Less than 12 months - Fair value	15,898	92,851
More than 12 months - Gross Unrealized Losses	(1,196)	(4,347)
More than 12 months - Fair value	84,561	86,268
Gross Unrealized Losses - Total	(1,211)	(6,168)
Fair Value - Total	100,459	179,119
State and political subdivisions
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	0	(542)
Less than 12 months - Fair value	0	21,536
More than 12 months - Gross Unrealized Losses	(638)	0
More than 12 months - Fair value	23,332	0
Gross Unrealized Losses - Total	(638)	(542)
Fair Value - Total	23,332	21,536
Corporate bonds
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(17)	(1,719)
Less than 12 months - Fair value	1,986	58,753
More than 12 months - Gross Unrealized Losses	(72)	(820)
More than 12 months - Fair value	6,958	14,330
Gross Unrealized Losses - Total	(89)	(2,539)
Fair Value - Total	$ 8,944	$ 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	Jun. 30, 2019	Sep. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	$ 0	$ (340)
Less than 12 Months, Fair Value	0	13,868
More than 12 months - Gross Unrealized Losses	(642)	(3,820)
12 Months or More, Fair Value	34,528	34,738
Total - Gross Unrealized Losses	(642)	(4,160)
Total - Fair Value	34,528	48,606
U.S. Government and agency obligations
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	0	0
Less than 12 Months, Fair Value	0	0
More than 12 months - Gross Unrealized Losses	(578)	(3,311)
12 Months or More, Fair Value	29,921	27,190
Total - Gross Unrealized Losses	(578)	(3,311)
Total - Fair Value	29,921	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	(10)	(47)
12 Months or More, Fair Value	838	930
Total - Gross Unrealized Losses	(10)	(153)
Total - Fair Value	838	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	(54)	(462)
12 Months or More, Fair Value	3,769	6,618
Total - Gross Unrealized Losses	(54)	(696)
Total - Fair Value	$ 3,769	$ 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	Jun. 30, 2019	Sep. 30, 2018
Investments, Debt and Equity Securities [Abstract]
Less than 12 months - Gross Unrealized Losses	$ (32)	$ (4,511)
Fair Value, Less than 12 Months	17,884	191,487
More than 12 months - Gross Unrealized Losses	(2,682)	(10,289)
Fair Value, 12 Months or More	170,356	155,028
Gross Unrealized Losses -Total	(2,714)	(14,800)
Fair Value - Total	$ 188,240	$ 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	Jun. 30, 2019USD ($)
Available for Sale, Amortized Cost
Due after one through five years	$ 13,407
Due after five through ten years	50,847
Due after ten years	59,840
Total	124,094
Available for Sale, Fair Value
Due after one through five years	13,568
Due after five through ten years	52,097
Due after ten years	59,084
Total	$ 124,749

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	Jun. 30, 2019USD ($)
Held to Maturity - Amortized Cost
Due after one through five years	$ 1,705
Due after five through ten years	24,751
Due after ten years	25,543
Total	51,999
Held to Maturity - Fair Value
Due after one through five years	1,720
Due after five through ten years	25,206
Due after ten years	25,165
Total	$ 52,091

INVESTMENT AND MORTGAGE-BACK_10

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Detail Textuals)	3 Months Ended		9 Months Ended
	Jun. 30, 2019USD ($)Security	Jun. 30, 2018USD ($)	Jun. 30, 2019USD ($)Security	Jun. 30, 2018USD ($)
Marketable Securities [Line Items]
Safekeeping account at the FHLB | $	$ 244,100,000		$ 244,100,000
Required to hold securities for its borrowings | $	54,700,000		54,700,000
Excess securities not restricted and could be sold or transferred | $	189,400,000		189,400,000
Mortgage-back securities sold with an aggregate amortized cost | $	49,100,000	$ 11,700,000	61,900,000	$ 0
Agreegate gain (loss) of mortgage-back securities | $	511,000	$ 376,000	628,000
Recognized net gains on equity securities | $	$ 3,000		$ 38,000
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	0		0
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	2		2
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	49		49
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	1		1
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	6		6
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	0		0
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	9		9

LOANS RECEIVABLE - Summary of L

LOANS RECEIVABLE - Summary of Loans receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Sep. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 708,671		$ 665,391
Undisbursed portion of loans-in-process	(113,943)		(54,474)
Deferred loan fees (net)	(2,891)		(2,818)
Allowance for loan losses	(5,330)	$ (5,227)	(5,167)	$ (5,041)	$ (4,841)	$ (4,466)
Net loans	586,507		602,932
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	277,344		324,865
Allowance for loan losses	(1,030)	(1,314)	(1,343)	(1,294)	(1,308)	(1,241)
Multi-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	31,068		34,355
Allowance for loan losses	(320)	(385)	(347)	(383)	(205)	(205)
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	132,007		119,511
Allowance for loan losses	(1,286)	(1,342)	(1,154)	(1,056)	(1,083)	(1,201)
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	240,755		160,228
Allowance for loan losses	(1,907)	(1,370)	(1,554)	(1,600)	(1,465)	(1,358)
Loans to financial institutions
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,000		6,000
Allowance for loan losses	(63)	(68)	(64)	(62)	(62)	0
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	19,748		17,792
Allowance for loan losses	(207)	(235)	(187)	(146)	(106)	(4)
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	886		1,687
Allowance for loan losses	(9)	(13)	(18)	(23)	(29)	(23)
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	863		953
Allowance for loan losses	$ (6)	$ (20)	$ (18)	$ (16)	$ (97)	$ (24)

LOANS RECEIVABLE - Summary of_2

LOANS RECEIVABLE - Summary of loans individually evaluated for impairment by loan segment (Details 1) - USD ($) $ in Thousands	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Sep. 30, 2017
Allowance for Loan Losses:
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	5,330		5,167
Total ending allowance balance	5,330	$ 5,227	5,167	$ 5,041	$ 4,841	$ 4,466
Loans:
Individually evaluated for impairment	15,374		16,048
Collectively evaluated for impairment	693,297		649,343
Total loans	708,671		665,391
One-to-four family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,030		1,343
Total ending allowance balance	1,030	1,314	1,343	1,294	1,308	1,241
Loans:
Individually evaluated for impairment	4,436		5,081
Collectively evaluated for impairment	272,908		319,784
Total loans	277,344		324,865
Multi-family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	320		347
Total ending allowance balance	320	385	347	383	205	205
Loans:
Individually evaluated for impairment	0		298
Collectively evaluated for impairment	31,068		34,057
Total loans	31,068		34,355
Commercial real estate
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,286		1,154
Total ending allowance balance	1,286	1,342	1,154	1,056	1,083	1,201
Loans:
Individually evaluated for impairment	2,188		1,919
Collectively evaluated for impairment	129,819		117,592
Total loans	132,007		119,511
Construction and land development
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,907		1,554
Total ending allowance balance	1,907	1,370	1,554	1,600	1,465	1,358
Loans:
Individually evaluated for impairment	8,750		8,750
Collectively evaluated for impairment	232,005		151,478
Total loans	240,755		160,228
Loans to financial institutions
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	63		64
Total ending allowance balance	63	68	64	62	62	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	207		187
Total ending allowance balance	207	235	187	146	106	4
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	19,748		17,792
Total loans	19,748		17,792
Leases
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	9		18
Total ending allowance balance	9	13	18	23	29	23
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	886		1,687
Total loans	886		1,687
Consumer
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	6		18
Total ending allowance balance	6	20	18	16	97	24
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	863		953
Total loans	863		953
Unallocated
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	502		482
Total ending allowance balance	$ 502	$ 480	$ 482	$ 461	$ 486	$ 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	Jun. 30, 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	15,374	16,048
Total Impaired Loans - Recorded Investment	15,374	16,048
Total impaired loans - Unpaid Principal Balance	18,268	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	4,436	5,081
Total Impaired Loans - Recorded Investment	4,436	5,081
Total impaired loans - Unpaid Principal Balance	4,788	5,432
Multi-family residential
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		298
Total Impaired Loans - Recorded Investment		298
Total impaired loans - Unpaid Principal Balance		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	2,188	1,919
Total Impaired Loans - Recorded Investment	2,188	1,919
Total impaired loans - Unpaid Principal Balance	2,349	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

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		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 15,724	$ 17,833	$ 15,951	$ 18,688
Income Recognized on Accrual Basis	28	0	102	146
Income Recognized on Cash Basis	7	19	19	23
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	4,633	6,159	4,849	6,636
Income Recognized on Accrual Basis	18	0	62	77
Income Recognized on Cash Basis	6	17	16	21
Multi-family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	144	305	195	307
Income Recognized on Accrual Basis	0	0	10	11
Income Recognized on Cash Basis	0	0	0	0
Commercial real estate
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	2,192	2,624	2,151	3,004
Income Recognized on Accrual Basis	10	0	30	58
Income Recognized on Cash Basis	1	2	3	2
Construction and land development
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	8,750	8,745	8,751	8,741
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	5	0	5	0
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	Jun. 30, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 708,671	$ 665,391
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	277,344	324,865
Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	31,068	34,355
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	132,007	119,511
Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	240,755	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	19,748	17,792
Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	706,922	662,751
Risk Rating System | Pass
Financing Receivable, Recorded Investment [Line Items]
Total Loans	684,464	642,030
Risk Rating System | Pass | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	270,187	317,033
Risk Rating System | Pass | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	30,744	34,057
Risk Rating System | Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	125,780	115,670
Risk Rating System | Pass | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	232,005	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	19,748	17,792
Risk Rating System | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total Loans	7,084	4,673
Risk Rating System | Special Mention | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,721	2,751
Risk Rating System | Special Mention | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	324	0
Risk Rating System | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	4,039	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	15,374	16,048
Risk Rating System | Substandard | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	4,436	5,081
Risk Rating System | Substandard | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	298
Risk Rating System | Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,188	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	Jun. 30, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 708,671	$ 665,391
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	277,344	324,865
Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	886	1,687
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	863	953
Non Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	279,093	327,505
Non Risk Rating System | Performing
Financing Receivable, Recorded Investment [Line Items]
Total Loans	276,088	324,493
Non Risk Rating System | Performing | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	274,339	321,853
Non Risk Rating System | Performing | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	886	1,687
Non Risk Rating System | Performing | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	863	953
Non Risk Rating System | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,005	3,012
Non Risk Rating System | Nonperforming | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,005	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	Jun. 30, 2019	Sep. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 693,632	$ 651,233
Past Due	15,039	14,158
Total Loans	708,671	665,391
Non- Accrual	13,229	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	2,495	1,875
90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	12,544	12,283
One-to-four family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	272,528	321,749
Past Due	4,816	3,116
Total Loans	277,344	324,865
Non- Accrual	3,005	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	2,439	1,037
One-to-four family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,377	2,079
Multi-family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	31,068	34,355
Past Due	0	0
Total Loans	31,068	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	0	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	130,590	117,335
Past Due	1,417	2,176
Total Loans	132,007	119,511
Non- Accrual	1,474	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	1,417	1,454
Construction and land development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	232,005	151,478
Past Due	8,750	8,750
Total Loans	240,755	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
Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	19,748	17,792
Past Due	0	0
Total Loans	19,748	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
Loans to 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
Loans to financial institutions | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Loans to financial institutions | 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	886	1,687
Past Due	0	0
Total Loans	886	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	807	837
Past Due	56	116
Total Loans	863	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	56	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		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	$ 5,227	$ 4,841	$ 5,167	$ 4,466
Charge-offs	0	(125)	0	(137)
Recoveries	103	0	163	27
Provision		325		685
ALLL balance	5,330	5,041	5,330	5,041
One- to four-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,314	1,308	1,343	1,241
Charge-offs	0	(114)	0	(125)
Recoveries	103	0	163	27
Provision	(387)	100	(476)	151
ALLL balance	1,030	1,294	1,030	1,294
Multi-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	385	205	347	205
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(65)	178	(27)	178
ALLL balance	320	383	320	383
Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,342	1,083	1,154	1,201
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(56)	(27)	132	(145)
ALLL balance	1,286	1,056	1,286	1,056
Construction and land development
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,370	1,465	1,554	1,358
Charge-offs	0	0	0	(12)
Recoveries	0	0	0	0
Provision	537	135	353	254
ALLL balance	1,907	1,600	1,907	1,600
Financial institutions
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	68	62	64	0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(5)	0	(1)	62
ALLL balance	63	62	63	62
Commercial business
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	235	106	187	4
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(28)	40	20	142
ALLL balance	207	146	207	146
Leases
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	13	29	18	23
Charge-offs	0	(11)	0	0
Recoveries	0	0	0	0
Provision	(4)	5	(9)	0
ALLL balance	9	23	9	23
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	20	97	18	24
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(14)	(81)	(12)	(8)
ALLL balance	6	16	6	16
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	480	486	482	410
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	22	(25)	20	51
ALLL balance	$ 502	$ 461	$ 502	$ 461

LOANS RECEIVABLE (Detail Textua

LOANS RECEIVABLE (Detail Textuals) $ in Thousands	3 Months Ended			9 Months Ended
	Jun. 30, 2019USD ($)	Jun. 30, 2018USD ($)	Jun. 30, 2017USD ($)	Jun. 30, 2019USD ($)Loan	Jun. 30, 2018USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for loan losses		$ 325			$ 685
Allowance for Loan and Lease Losses, Write-offs	$ 0	125		$ 0	137
Allowance for Loan and Lease Loss, Recovery of Bad Debts	103	$ 0		$ 163	$ 27
Number of loans default | Loan				9
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	6,000			$ 6,000
Write-down amount of TDR loans			$ 1,900
Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan				4
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	4,900			$ 4,900
Amount of TDR loans, default				10,600
Nonperforming | Commercial and residential properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	437			$ 437
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan				5
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 633			$ 633

DEPOSITS - Major classification

DEPOSITS - Major classifications of deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Sep. 30, 2018
Amount
Money market deposit accounts	$ 74,521	$ 66,120
Interest-bearing checking accounts	59,706	49,209
Non interest-bearing checking accounts	15,614	13,620
Passbook, club and statement savings	82,741	91,489
Certificates maturing in six months or less	272,172	301,184
Certificates maturing in more than six months	224,787	262,636
Total deposits	$ 729,541	$ 784,258
Percent
Money market deposit accounts	10.20%	8.40%
Interest-bearing checking accounts	8.20%	6.30%
Non interest-bearing checking accounts	2.20%	1.70%
Passbook, club and statement savings	11.30%	11.70%
Certificates maturing in six months or less	37.30%	38.40%
Certificates maturing in more than six months	30.80%	33.50%
Total	100.00%	100.00%

DEPOSITS (Detail Textuals)

DEPOSITS (Detail Textuals) - USD ($) $ in Millions	Jun. 30, 2019	Sep. 30, 2018
Deposits [Abstract]
Certificates of $250,000 and over	$ 25.7	$ 81.9

ADVANCES FROM FEDERAL HOME LO_5

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Details) - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2019	Sep. 30, 2018
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.64%	2.64%
Advances from FHLB short-term	$ 36,500	$ 10,000
Fixed Rate - Repo Plus 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 12-Oct-18 | Weighted average | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.31%
Fixed Rate - Repo Plus 1-Jul-19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Jul. 1, 2019
Coupon	2.48%
Call Date	Not Applicable
Advances from FHLB short-term	$ 1,500	0
Fixed Rate - Repo Plus 1-Jul-19 | Weighted average | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.54%
Fixed Rate - Repo Plus 12-Jul-19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Jul. 12, 2019
Coupon	2.57%
Call Date	Not Applicable
Advances from FHLB short-term	$ 10,000	0
Fixed Rate - Repo Plus 12-Jul-19 | Weighted average | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.54%
Fixed Rate - Repo Plus 15-Jul-19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Jul. 15, 2019
Coupon	2.56%
Call Date	Not Applicable
Advances from FHLB short-term	$ 10,000	0
Fixed Rate - Repo Plus 15-Jul-19 | Weighted average | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.54%
Fixed Rate - Repo Plus 17-Jul-19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Jul. 17, 2019
Coupon	2.52%
Call Date	Not Applicable
Advances from FHLB short-term	$ 15,000	$ 0
Fixed Rate - Repo Plus 17-Jul-19 | Weighted average | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.54%

ADVANCES FROM FEDERAL HOME LO_6

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Detail Textuals) - USD ($) $ in Thousands	Jun. 30, 2019	Sep. 30, 2018
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	$ 36,500	$ 10,000
Remaining advances were used short term liquidity needs	1,500
First interest rate swap contract
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	10,000
Second interest rate swap contract
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	$ 15,000

ADVANCES FROM FEDERAL HOME LO_7

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Jun. 30, 2019	Sep. 30, 2018
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.64%	2.64%
Long-term Federal Home Loan Bank Advances	$ 264,766	$ 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	$ 589	$ 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	$ 16,609	$ 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	$ 9,517	$ 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	2.81%	2.81%
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	$ 7,340	$ 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	$ 34,055	$ 45,325
Long-term | Fixed Rate - Amortizing | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.74%	2.74%
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	$ 3,004	$ 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	2.66%	2.66%
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	$ 12,341	$ 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	$ 18,022	$ 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	2.37%	2.37%
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	$ 63,347	$ 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	2.31%	2.31%
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	$ 67,998	$ 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	2.38%	2.38%
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	2.88%	2.88%
Long-term | Long-term FHLB advances
Federal Home Loan Bank, Advances [Line Items]
Long-term Federal Home Loan Bank Advances	$ 230,711	$ 99,358
Long-term | Long-term FHLB advances | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.62%	2.62%

DERIVATIVES (Details)

DERIVATIVES (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Jun. 30, 2019	Sep. 30, 2018
Derivative [Line Items]
Unrealized Gain (Loss)	$ (8,829)
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)	$ (586)	$ 35
Interest rate swap contract maturing on 16 Feb 2027
Derivative [Line Items]
Hedge Item	State and political subdivision
Notional Amount	$ 1,705
Pay Rate	3.06%
Receive Rate	3 Mth Libor
Maturity Date	Feb. 16, 2027
Unrealized Gain (Loss)	$ (147)
Interest rate swap contract maturing on 15 Feb 2027
Derivative [Line Items]
Hedge Item		State and political subdivision
Notional Amount		$ 1,705
Pay Rate		3.06%
Receive Rate		3 Mth Libor
Maturity Date		Feb. 15, 2027
Unrealized Gain (Loss)		$ (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)	$ (247)	$ (31)
Interest rate swap contract maturing on 03-Jan-28
Derivative [Line Items]
Hedge Item	State and political subdivision
Notional Amount	$ 5,000
Pay Rate	3.07%
Receive Rate	3 Mth Libor
Maturity Date	Jan. 3, 2028
Unrealized Gain (Loss)	$ (465)
Interest rate swap contract maturing on 1 Jan 2028
Derivative [Line Items]
Hedge Item		State and political subdivision
Notional Amount		$ 5,000
Pay Rate		3.07%
Receive Rate		3 Mth Libor
Maturity Date		Jan. 1, 2028
Unrealized Gain (Loss)		$ (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)	$ (116)	$ (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)	$ (426)	$ (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)	$ (280)	$ (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)	$ (272)	$ (32)
Interest rate swap contract maturing on 01 June 28
Derivative [Line Items]
Hedge Item	Commercial loan
Notional Amount	$ 8,000
Pay Rate	4.85%
Receive Rate	1 Mth Libor +225 bp
Maturity Date	Jun. 1, 2028
Unrealized Gain (Loss)	$ 0
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	$ 1,044	$ 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)	$ (932)
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)	$ (678)
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)	$ (1,065)
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)	$ (955)
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)	$ (605)
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)	$ (990)
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)	$ (909)
Interest rate swap contract maturing on 12 June 26
Derivative [Line Items]
Hedge Item	30 Day wholesale funding
Notional Amount	$ 10,000
Pay Rate	1.94%
Receive Rate	1 Mth Libor
Maturity Date	Jun. 12, 2026
Unrealized Gain (Loss)	$ (156)

DERIVATIVES (Detail Textuals)

DERIVATIVES (Detail Textuals) - USD ($)	3 Months Ended		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 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	Jun. 30, 2019	Sep. 30, 2018
Deferred tax assets:
Allowance for loan losses	$ 1,465	$ 1,445
Nonaccrual interest	446	312
Accrued vacation	4	29
Capital loss carryforward	356	356
Split dollar life insurance	9	10
Post-retirement benefits	76	85
Unrealized losses on available for sale securities	0	2,212
Unrealized losses on interest rate swaps	1,445	0
Deferred compensation	816	838
Goodwill	72	80
Other	49	55
Employee benefit plans	375	239
Total deferred tax assets	5,113	5,661
Valuation allowance	(356)	(356)
Total deferred tax assets, net of valuation allowance	4,757	5,305
Deferred tax liabilities:
Property	159	179
Unrealized gains on available for sale securities	1,118	0
Unrealized gains on interest rate swaps	0	44
Purchase accounting adjustments	102	59
Deferred loan fees	213	368
Total deferred tax liabilities	1,592	650
Net deferred tax assets	$ 3,165	$ 4,655

INCOME TAXES (Detail Textuals)

INCOME TAXES (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Sep. 30, 2018
Income Taxes [Line Items]
Valuation allowance	$ 356		$ 356		$ 356
Income tax expense	$ 582	$ 676	1,391	$ 3,559
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	9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Number of Shares
Nonvested stock awards at October 1	116,916	142,594
Granted	0	26,500
Forfeited	0	4,636
Vested	(44,024)	(44,647)
Non-vested stock awards at June 30	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
Non-vested stock awards at June 30	$ 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	9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Number of Shares
Outstanding at October 1	869,026	922,564
Granted	0	177,500
Exercised	(109,694)	(110,926)
Forfeited	(6,000)	(12,234)
Outstanding at June 30	753,332	976,904
Exercisable at June 30	530,953	521,630
Weighted Average Exercise Price
Outstanding at October 1	$ 13.41	$ 12.04
Granted	0	18.46
Exercised	11.91	11.73
Forfeited	12.23	11.9
Outstanding at June 30	13.64	13.15
Exercisable at June 30	$ 12.37	$ 11.49

STOCK COMPENSATION PLANS (Detai

STOCK COMPENSATION PLANS (Detail Textuals) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended		9 Months Ended
	Mar. 31, 2018	Aug. 31, 2016	Jun. 30, 2019	Jun. 30, 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 ($) $ in Thousands	1 Months Ended					3 Months Ended		9 Months Ended
	Mar. 31, 2018	May 31, 2017	Mar. 31, 2017	Aug. 31, 2016	Feb. 28, 2015	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 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						$ 157	$ 158	$ 464	$ 408
Additional compensation expense for shares awarded remained unrecognized						870		870
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense						146	$ 150	423	$ 389
Additional compensation expense for shares awarded remained unrecognized						$ 887		$ 887

STOCK COMPENSATION PLANS (Det_3

STOCK COMPENSATION PLANS (Detail Textuals 2) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average remaining contractual term for options outstanding			7 years
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense	$ 146	$ 150	$ 423	$ 389
Additional compensation expense for shares awarded remained unrecognized	$ 887		$ 887
Weighted average period for recognition of nonvested awards			2 years 6 months
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
Exercise price and fair value	$ 18.46		$ 18.46
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	9 Months Ended	12 Months Ended
	Jun. 30, 2019	Sep. 30, 2018
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	$ 1,400
Aggregate undisbursed portion of loans-in-process	113,943	$ 54,474
Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	50,800	40,400
Aggregate undisbursed portion of loans-in-process	$ 113,900	$ 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	5.75%	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	7.00%	6.25%
Unused lines of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	$ 36,800	$ 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	Jun. 30, 2019	Sep. 30, 2018
Assets:
Assets, Total	$ 438,248	$ 306,412
Liabilities
Liabilities, Total	8,806
Level 1
Assets:
Assets, Total	69	37
Liabilities
Liabilities, Total	0
Level 2
Assets:
Assets, Total	438,179	306,375
Liabilities
Liabilities, Total	8,806
Level 3
Assets:
Assets, Total	0	0
Liabilities
Liabilities, Total	0
U.S. Government and agency obligations
Assets:
Assets, Total	24,978	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	24,978	24,171
U.S. Government and agency obligations | Level 3
Assets:
Assets, Total	0	0
Mortgage-backed securities - U.S. government agencies
Assets:
Assets, Total	313,430	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	313,430	187,360
Mortgage-backed securities - U.S. government agencies | Level 3
Assets:
Assets, Total	0	0
State and political subdivisions
Assets:
Assets, Total	34,106	21,536
State and political subdivisions | Level 1
Assets:
Assets, Total	0	0
State and political subdivisions | Level 2
Assets:
Assets, Total	34,106	21,536
State and political subdivisions | Level 3
Assets:
Assets, Total	0	0
Corporate bonds
Assets:
Assets, Total	65,665	73,083
Corporate bonds | Level 1
Assets:
Assets, Total	0	0
Corporate bonds | Level 2
Assets:
Assets, Total	65,665	73,083
Corporate bonds | Level 3
Assets:
Assets, Total	0	0
Equity security - FHLMC preferred stock
Assets:
Assets, Total	69	37
Liabilities
Liabilities, Total	8,806
Equity security - FHLMC preferred stock | Level 1
Assets:
Assets, Total	69	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	8,806
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	8,806
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	Jun. 30, 2019	Sep. 30, 2018
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 15,374	$ 16,048
Other real estate owned	423	1,026
Total	15,797	17,074
Level 1
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Other 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
Other 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	15,374	16,048
Other real estate owned	423	1,026
Total	$ 15,797	$ 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		Jun. 30, 2019USD ($)Percent	Sep. 30, 2018USD ($)Percent
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans | $		$ 15,374	$ 16,048
Other real estate owned | $		423	1,026
Level 3
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans | $		15,374	16,048
Other 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	Jun. 30, 2019	Sep. 30, 2018	Jun. 30, 2018	Sep. 30, 2017
Assets:
Cash and cash equivalents	$ 38,077	$ 48,171	$ 36,055	$ 27,903
Certificates of deposit	2,351	1,604
Investment and mortgage-backed securities available for sale	438,179	306,187
Investment and mortgage-backed securities held to maturity	57,085	59,852
Loans receivable, net	586,507	602,932
Accrued interest receivable	3,893	3,825
Restricted bank stock	13,356	7,585
Bank owned life insurance	31,669	28,691
Liabilities:
Passbook, club and statement savings accounts	82,741	91,489
Advances from FHLB short-term	36,500	10,000
Advances from FHLB long-term	264,766	144,683
Accrued interest payable	3,404	3,232
Advances from borrowers for taxes and insurance	3,533	2,083
Interest rate swap contracts	8,806
Carrying Amount
Assets:
Cash and cash equivalents	38,077	48,171
Certificates of deposit	2,351	1,604
Investment and mortgage-backed securities available for sale	438,179	306,187
Equity securities	69
Investment and mortgage-backed securities held to maturity	57,085	59,852
Loans receivable, net	586,507	602,932
Accrued interest receivable	3,893	3,825
Restricted bank stock	13,356	7,585
Interest rate swap contracts		225
Bank owned life insurance	31,669	28,691
Liabilities:
Checking accounts	75,320	62,886
Money market deposit accounts	74,521	60,686
Passbook, club and statement savings accounts	82,741	96,866
Certificates of deposit	496,959	563,820
Advances from FHLB short-term	36,500	10,000
Advances from FHLB long-term	264,766	144,683
Accrued interest payable	3,404	3,232
Advances from borrowers for taxes and insurance	3,533	2,083
Interest rate swap contracts	8,806
Fair Value
Assets:
Cash and cash equivalents	38,077	48,171
Certificates of deposit	2,351	1,604
Investment and mortgage-backed securities available for sale	438,179	306,187
Equity securities	69
Investment and mortgage-backed securities held to maturity	57,371	55,927
Loans receivable, net	583,990	598,596
Accrued interest receivable	3,893	3,825
Restricted bank stock	13,356	7,585
Interest rate swap contracts		225
Bank owned life insurance	31,669	28,691
Liabilities:
Checking accounts	75,320	62,886
Money market deposit accounts	74,521	60,686
Passbook, club and statement savings accounts	82,741	96,866
Certificates of deposit	501,954	569,375
Advances from FHLB short-term	36,500	10,000
Advances from FHLB long-term	269,934	141,116
Accrued interest payable	3,404	3,232
Advances from borrowers for taxes and insurance	3,533	2,083
Interest rate swap contracts	8,806
Level 1
Assets:
Cash and cash equivalents	38,077	48,171
Certificates of deposit	2,351	1,604
Investment and mortgage-backed securities available for sale	0	37
Equity securities	69
Investment and mortgage-backed securities held to maturity	0	0
Loans receivable, net	0	0
Accrued interest receivable	3,893	3,825
Restricted bank stock	13,356	7,585
Interest rate swap contracts		0
Bank owned life insurance	31,669	28,691
Liabilities:
Checking accounts	75,320	62,886
Money market deposit accounts	74,521	60,686
Passbook, club and statement savings accounts	82,741	96,866
Certificates of deposit	0	0
Advances from FHLB short-term	36,500	10,000
Advances from FHLB long-term	0	0
Accrued interest payable	3,404	3,232
Advances from borrowers for taxes and insurance	3,533	2,083
Interest rate swap contracts	0
Level 2
Assets:
Cash and cash equivalents	0	0
Certificates of deposit	0	0
Investment and mortgage-backed securities available for sale	438,179	306,150
Investment and mortgage-backed securities held to maturity	57,371	55,927
Loans receivable, net	0	0
Accrued interest receivable	0	0
Restricted bank stock	0	0
Interest rate swap contracts		225
Bank owned life insurance	0	0
Liabilities:
Checking accounts	0	0
Money market deposit accounts	0	0
Passbook, club and statement savings accounts	0	0
Certificates of deposit	0	0
Advances from FHLB short-term	0	0
Advances from FHLB long-term	0	0
Accrued interest payable	0	0
Advances from borrowers for taxes and insurance	0	0
Interest rate swap contracts	8,806
Level 3
Assets:
Cash and cash equivalents	0	0
Certificates of deposit	0	0
Investment and mortgage-backed securities available for sale	0	0
Investment and mortgage-backed securities held to maturity	0	0
Loans receivable, net	583,990	598,596
Accrued interest receivable	0	0
Restricted bank stock	0	0
Interest rate swap contracts		0
Bank owned life insurance	0	0
Liabilities:
Checking accounts	0	0
Money market deposit accounts	0	0
Passbook, club and statement savings accounts	0	0
Certificates of deposit	501,954	569,375
Advances from FHLB short-term	0	0
Advances from FHLB long-term	269,934	141,116
Accrued interest payable	0	0
Advances from borrowers for taxes and insurance	0	$ 0
Interest rate swap contracts	$ 0

FAIR VALUE MEASUREMENT (Detail

FAIR VALUE MEASUREMENT (Detail Textuals) $ in Millions	Jun. 30, 2019USD ($)
Level 2
Financing Receivable, Impaired [Line Items]
Collateral dependent impaired loans, fair value	$ 15.4

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Related to acquisition of Polonia Bancorp (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Goodwill [Roll Forward]
Balance, Goodwill			$ 6,102
Balance, Goodwill	$ 6,102		6,102
Finite-lived Intangible Assets [Roll Forward]
Balance	478		478
Intangible Assets Net Including Goodwill [Roll Forward]
Amortization	(30)	$ (34)	(93)	$ (105)
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			(93)
Balance, Total	6,580		6,580
Polonia Bancorp | Core deposit intangible
Finite-lived Intangible Assets [Roll Forward]
Balance			571
Additions/Adjustments			0
Amortization			(93)
Balance	$ 478		$ 478
Amortization Period			10 years

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Future fiscal periods amortization expense (Details 1) $ in Thousands	Jun. 30, 2019USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2019 (remaining)	$ 30
2020	108
2021	93
2022	78
2023	64
Thereafter	105
Total	$ 478