Prudential Bancorp (PBIP) 10-Q 10 Aug 20 2020 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Jun. 30, 2020	Jul. 31, 2020
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2020
Document Transition Report	false
Entity Registrant Name	PRUDENTIAL BANCORP, INC.
Entity Central Index Key	0001578776
Entity File Number	000-55084
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	46-2935427
Entity Address, Address Line One	1834 West Oregon Avenue
Entity Address, City or Town	Philadelphia
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	19145
City Area Code	215
Local Phone Number	755-1500
Title of 12(b) Security	Common Stock
Trading Symbol	PBIP
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock Shares Outstanding		8,147,005
Amendment Flag	false
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false

UNAUDITED CONSOLIDATED STATEMEN

UNAUDITED CONSOLIDATED STATEMENT OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
ASSETS
Cash and amounts due from depository institutions	$ 2,246	$ 2,395
Interest-bearing deposits	57,774	45,573
Total cash and cash equivalents	60,020	47,968
Certificates of deposit	2,351	2,351
Investment and mortgage-backed securities available for sale at fair value	441,403	512,822
Investment and mortgage-backed securities held to maturity (fair value-June 30, 2020, $27,071; September 30, 2019, $69,507)	25,652	68,635
Equity securities	58	95
Loans held for sale	1,070
Loans receivable-net of allowance for loan losses (June 30, 2020, $6,690; September 30, 2019, $5,393)	583,291	585,456
Accrued interest receivable	5,134	4,549
Real estate owned	406	348
Restricted bank stock-at cost	12,982	16,406
Office properties and equipment-net	7,177	7,206
Bank owned life insurance (BOLI)	32,333	31,841
Deferred income taxes, net	4,127	2,358
Goodwill	6,102	6,102
Core deposit intangible	366	448
Prepaid expenses and other assets	5,340	2,849
TOTAL ASSETS	1,187,812	1,289,434
Deposits:
Non-interest-bearing	28,174	16,949
Interest-bearing	698,975	728,495
Total	727,149	745,444
Advances from Federal Home Loan Bank - Short Term	25,000	90,000
Advances from Federal Home Loan Bank - Long Term	266,069	286,904
Accrued interest payable	3,014	4,328
Advances from borrowers for taxes and insurance	3,259	2,332
Accounts payable and accrued expenses	35,082	20,815
Total liabilities	1,059,573	1,149,823
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 8,147,005 outstanding at June 30, 2020; 10,819,006 issued and 8,989,447 outstanding at September 30, 2019	108	108
Additional paid-in capital	118,218	118,384
Treasury stock, at cost: 2,672,001 shares at June 30, 2020 and 1,929,559 shares at September 30, 2019	(39,020)	(29,698)
Retained earnings	52,911	49,625
Accumulated other comprehensive (loss) income	(3,978)	1,192
Total stockholders' equity	128,239	139,611
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,187,812	$ 1,289,434

UNAUDITED CONSOLIDATED STATEM_2

UNAUDITED CONSOLIDATED STATEMENT OF FINANCIAL CONDITION (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
UNAUDITED CONSOLIDATED STATEMENT OF FINANCIAL CONDITION
Investment and mortgage-backed securities held to maturity, fair value (in dollars)	$ 27,071	$ 69,507
Allowance for loan losses on loans receivable (in dollars)	$ 6,690	$ 5,393
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	8,147,005	8,989,447
Number of treasury share purchased	2,672,001	1,929,559

UNAUDITED CONSOLIDATED STATEM_3

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)	3 Months Ended		9 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
INTEREST INCOME:
Interest and fees on loans	$ 6,012,000	$ 6,752,000	$ 19,175,000	$ 19,936,000
Interest on mortgage-backed securities	1,989,000	2,536,000	7,345,000	6,844,000
Interest and dividends on investments	1,665,000	1,792,000	5,231,000	5,040,000
Interest on interest-bearing deposits	125,000	193,000	877,000	589,000
Total interest income	9,791,000	11,273,000	32,628,000	32,409,000
INTEREST EXPENSE:
Interest on deposits	2,461,000	3,356,000	8,452,000	9,936,000
Interest on advances from FHLB - short term	61,000	184,000	1,026,000	373,000
Interest on advances from FHLB - long term	1,964,000	1,518,000	5,714,000	3,546,000
Total interest expense	4,486,000	5,058,000	15,192,000	13,855,000
NET INTEREST INCOME	5,305,000	6,215,000	17,436,000	18,554,000
PROVISION FOR LOAN LOSSES	750,000	0	1,375,000	0
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	4,555,000	6,215,000	16,061,000	18,554,000
NON-INTEREST INCOME:
Fees and other service charges	99,000	157,000	414,000	491,000
Gain on sale of mortgage-backed securities available for sale	3,311,000	511,000	5,993,000	628,000
Holding gain (loss) on equity securities	21,000	(2,000)	(37,000)	32,000
Gain on sale of loans	16,000	2,000	281,000	2,000
Swap income (loss)	76,000	232,000	(224,000)	125,000
Earnings from bank owned life insurance	158,000	170,000	492,000	473,000
Other	81,000	117,000	343,000	358,000
Total non-interest income	3,762,000	1,187,000	7,262,000	2,109,000
NON-INTEREST EXPENSES:
Salaries and employee benefits	2,209,000	2,175,000	7,131,000	6,558,000
Data processing	186,000	201,000	612,000	585,000
Professional services	474,000	385,000	1,186,000	1,160,000
Office occupancy	202,000	226,000	624,000	739,000
Depreciation	116,000	159,000	384,000	469,000
Director compensation	46,000	65,000	179,000	195,000
Federal Deposit Insurance Corporation deposit insurance premiums	165,000	254,000	541,000	557,000
Real estate owned expense	11,000		151,000
Advertising	42,000	68,000	134,000	221,000
Core deposit amortization	26,000	30,000	82,000	93,000
Other	519,000	627,000	1,453,000	1,751,000
Total non-interest expenses	3,996,000	4,190,000	12,477,000	12,328,000
INCOME BEFORE INCOME TAXES	4,321,000	3,212,000	10,846,000	8,335,000
INCOME TAXES:
Current	943,000	513,000	2,234,000	1,748,000
Deferred (benefit) expense	(242,000)	69,000	(395,000)	(357,000)
Total income tax expense	701,000	582,000	1,839,000	1,391,000
NET INCOME	$ 3,620,000	$ 2,630,000	$ 9,007,000	$ 6,944,000
BASIC EARNINGS PER SHARE	$ 0.44	$ 0.30	$ 1.04	$ 0.79
DILUTED EARNINGS PER SHARE	0.44	0.29	1.03	0.78
DIVIDENDS PER SHARE	$ 0.07	$ 0.50	$ 0.64	$ 0.60

UNAUDITED CONSOLIDATED STATEM_4

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
Net income	$ 3,620	$ 2,630	$ 9,007	$ 6,944
Unrealized holding gain on available-for-sale securities	5,409	8,577	9,061	16,522
Tax effect	(1,136)	(1,801)	(1,903)	(3,469)
Unrealized holding loss on interest rate swaps	(990)	(3,885)	(9,612)	(7,089)
Tax effect	208	816	2,019	1,489
Reclassification adjustment for net gains recorded in net income	(3,311)	(511)	(5,993)	(628)
Tax effect	695	107	1,258	132
Total other comprehensive income (loss)	875	3,303	(5,170)	6,957
Comprehensive income	$ 4,495	$ 5,933	$ 3,837	$ 13,901

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 Income (Loss) [Member]	Total
BALANCE at Sep. 30, 2018	$ 108	$ 118,345	$ (27,744)	$ 45,854	$ (8,154)	$ 128,409
Increase (Decrease) in Stockholders' Equity
Net income				6,944		6,944
Other comprehensive income (loss)					6,957	6,957
Dividends paid				(5,339)		(5,339)
Purchase of treasury stock			(3,160)			(3,160)
Treasury stock used for employee benefit plans		(1,146)	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
Net income				2,630		2,630
Other comprehensive income (loss)					3,303	3,303
Dividends paid				(4,446)		(4,446)
Purchase of treasury stock			(912)			(912)
Treasury stock used for employee benefit plans		(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
BALANCE at Sep. 30, 2019	108	118,384	(29,698)	49,625	1,192	139,611
Increase (Decrease) in Stockholders' Equity
Net income				9,007		9,007
Other comprehensive income (loss)					(5,170)	(5,170)
Dividends paid				(5,646)		(5,646)
Purchase of treasury stock			(10,025)			(10,025)
Treasury stock used for employee benefit plans		(787)	703			(84)
Stock option expense		317				317
Restricted shares award expense		304				304
Reclassification for adoption of ASC Topic 842				(75)		(75)
BALANCE at Jun. 30, 2020	108	118,218	(39,020)	52,911	(3,978)	128,239
BALANCE at Mar. 31, 2020	108	118,123	(30,994)	49,862	(4,853)	132,246
Increase (Decrease) in Stockholders' Equity
Net income				3,620		3,620
Other comprehensive income (loss)					875	875
Dividends paid				(571)		(571)
Purchase of treasury stock			(8,026)			(8,026)
Stock option expense		47				47
Restricted shares award expense		48				48
BALANCE at Jun. 30, 2020	$ 108	$ 118,218	$ (39,020)	$ 52,911	$ (3,978)	$ 128,239

UNAUDITED CONSOLIDATED STATEM_6

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Dividends paid (in dollars per share)	$ 0.07	$ 0.50	$ 0.64	$ 0.60
Purchase of treasury stock	635,020	53,300	787,029	159,665
Treasury stock used for employee benefit plan		10,747	44,587	61,156

UNAUDITED CONSOLIDATED STATEM_7

UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
OPERATING ACTIVITIES:
Net income	$ 9,007,000	$ 6,944,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	384,000	469,000
Net amortization/accretion of premiums/discounts and other amortization	(920,000)	(1,387,000)
Provision for loan losses	1,375,000	0
Accretion of deferred loan fees and costs	(85,000)	(111,000)
Share-based compensation expense for stock options and share awards	621,000	887,000
Income from bank owned life insurance	(492,000)	(473,000)
Loss on sale of real estate owned		46,000
Gain on sale of investment and mortgage-backed securities	(5,993,000)	(628,000)
Write-down of real estate owned	125,000
Gain on sale of loans	(281,000)	(2,000)
Proceeds from the sale of loans held for sale	21,850,000
Originations of loans held for sale	(7,572,000)
Holding losses (gains) on equity securities	37,000	(31,000)
Deferred income tax benefit	(395,000)	(357,000)
Changes in assets and liabilities which provided (used) cash:
Accrued interest receivable	(585,000)	(68,000)
Accrued interest payable	(1,314,000)	172,000
Other, net	216,000	(127,000)
Net cash provided by operating activities	15,978,000	5,336,000
INVESTING ACTIVITIES:
Purchase of investment and mortgage-backed securities available for sale	(165,178,000)	(196,059,000)
Purchase of investment and mortgage-backed securities held to maturity	(2,500,000)
Loans originated or acquired	(94,655,000)	(79,076,000)
Principal collected on loans	80,352,000	96,015,000
Principal payments received on investment and mortgage-backed securities:
Held-to-maturity	45,441,000	2,714,000
Available-for-sale	105,661,000	16,007,000
Proceeds from sale of investment and mortgage-backed securities	142,055,000	67,849,000
Proceeds from redemption of FHLB stock	9,881,000	6,401,000
Purchase of FHLB stock	(6,457,000)	(12,172,000)
Purchase of bank owned life insurance		(2,500,000)
Proceeds from sale of real estate owned		644,000
Purchases of equipment	(355,000)	(269,000)
Net cash provided by (used in) investing activities	114,245,000	(100,446,000)
FINANCING ACTIVITIES:
Net increase in demand deposits, NOW accounts, and savings accounts	156,611,000	12,144,000
Net decrease in certificates of deposit	(174,906,000)	(66,856,000)
(Repayments) proceeds from FHLB advances - short term	(65,000,000)	26,500,000
Proceeds from FHLB advances - long term		139,315,000
Repayment of FHLB advances - long term	(20,835,000)	(19,088,000)
Increase in advances from borrowers for taxes and insurance	927,000	1,450,000
Cash dividends paid	(5,646,000)	(5,339,000)
Treasury stock used for employee benefit plans	703,000	50,000
Purchase treasury stock	(10,025,000)	(3,160,000)
Net cash (used in) provided by financing activities	(118,171,000)	85,016,000
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	12,052,000	(10,094,000)
CASH AND CASH EQUIVALENTS-Beginning of period	47,968,000	48,171,000
CASH AND CASH EQUIVALENTS-End of period	60,020,000	38,077,000
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid on deposits and advances from FHLB	16,506,000	13,683,000
Income taxes paid	1,285,000	$ 1,325,000
SUPPLEMENTAL DISCLOSURES OF NONCASH ITEMS
Loans transferred to other real estate owned	183,000
Lease adoption:
Right of use lease asset	1,415,000
Lease liability	$ 1,536,000

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Jun. 30, 2020
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	1. SIGNIFICANT ACCOUNTING POLICIES Prudential Bancorp, Inc. (the “Company”) is a Pennsylvania corporation and the parent holding company for Prudential Bank (the “Bank”). The Company is a registered bank holding company. The Bank is a community-oriented, Pennsylvania-chartered savings bank headquartered in South Philadelphia. The banking office network currently consists of the headquarters and main office (which includes a branch office), administrative office, and nine additional full-service branch offices. Eight of the branch offices are located in Philadelphia (Philadelphia County), one is in Drexel Hill, Delaware County, and one is in Huntingdon Valley, Montgomery County (both Pennsylvania counties). The Bank maintains ATMs at all 10 of the banking offices. The Bank also provides on-line and mobile banking services. The Bank is subject to regulation by the Pennsylvania Department of Banking and Securities (the “Department”), as its chartering authority and primary regulator, and by the Federal Deposit Insurance Corporation (the “FDIC”), which insures the Bank’s deposits up to applicable limits. As a bank holding company, the Company is subject to the regulation of the Board of Governors of the Federal Reserve System. Basis of presentation – Use of Estimates in the Preparation of Financial Statements — Recently Adopted Accounting Pronouncements Effective October 1, 2019, the Company adopted ASU 2016-02 – Leases $1.6 million. A $75,000 prior period adjustment to retained earnings was recognized as of October 1, 2019. The Company has presented the necessary disclosures in Note 15. Recent Accounting Pronouncements Not Yet Adopted In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments 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 May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses, Topic 326, which allows entities to irrevocably elect the fair value option for certain financial assets previously measured at amortized cost upon adoption of the new credit losses standard. To be eligible for the transition election, the existing financial asset must otherwise be both within the scope of the new credit losses standard and eligible for the applying the fair value option in ASC 825-10-3. The election must be applied on an instrument-by-instrument basis and is not available for either available-for-sale or held-to-maturity debt securities. For entities that elect the fair value option, the difference between the carrying amount and the fair value of the financial asset would be recognized through a cumulative-effect adjustment to opening retained earnings as of the date an entity adopted ASU 2016-13. Changes in fair value of that financial asset would subsequently be reported in current earnings. For entities that have not yet adopted ASU 2016-13, the effective dates and transition requirements are the same as those in ASU 2016-13. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In November 2019, the FASB issued ASU 2019-08, Compensation ‒ Stock Compensation (Topic 718) and Revenue from Contracts with Customers (Topic 606), which requires entities to measure and classify share-based payments to a customer, in accordance with the guidance in ASC 718, Compensation ‒ Stock Compensation. The amendments in that Update expanded the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees and, in doing so, superseded guidance in Subtopic 505-50, Equity ‒ Equity-Based Payments to Non-Employees. The amount that would be recorded as a reduction in revenue would be measured based on the grant date fair value of the share based payment, in accordance with Topic 718. The grant date is the date at which a supplier and customer reach a mutual understanding of the award’s key terms and conditions. The award’s classification and subsequent measurement would be subject to ASC 718 unless the award is modified or the grantee is no longer a customer. For entities that have not yet adopted the amendments in Update 2018-07, the amendments in this Update are effective for (1) public business entities in fiscal years beginning after December 15, 2019, and interim periods within those fiscal years, and (2) other than public business entities in fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. For entities that have adopted the amendments in Update 2018-07, the amendments in this Update are effective in fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. An entity may early adopt the amendments in this Update, but not before it adopts the amendments in Update 2018-07. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740) ​ In January 2020, the FASB issued ASU 2020-4, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting, March 2020, to provide temporary optional expedients and exceptions to the U.S. GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates, such as Secured Overnight Financing Rate. Entities can elect not to apply certain modification accounting requirements to contracts affected by what the guidance calls reference rate reform, if certain criteria are met. An entity that makes this election would not have to remeasure the contracts at the modification date or reassess a previous accounting determination. Also, entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met, and can make a one-time election to sell and/or reclassify held-to-maturity debt securities that reference an interest rate affected by reference rate reform. The amendments in this ASU are effective for all entities upon issuance through December 31, 2022. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations.

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Jun. 30, 2020
EARNINGS PER SHARE
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 (CSEs), 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, ​ ​ ​ 2020 ​ 2019 ​ ​ ​ (Dollars in Thousands Except Per Share Data) ​ ​ Basic Diluted Basic Diluted ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 3,620 ​ $ 3,620 ​ $ 2,630 ​ $ 2,630 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding ​ 8,233,640 ​ 8,233,640 ​ 8,775,210 ​ 8,775,210 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Effect of CSEs ​ — ​ 13,658 ​ — ​ 162,094 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Adjusted weighted average common shares used in earnings per share computation ​ 8,233,640 ​ 8,247,298 ​ 8,775,210 ​ 8,937,304 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings per share ​ $ 0.44 ​ $ 0.44 ​ $ 0.30 ​ $ 0.29 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, ​ ​ 2020 ​ 2019 ​ ​ (Dollars in Thousands, Except Share and Per Share Data) ​ Basic Diluted Basic Diluted ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 9,007 ​ $ 9,007 ​ $ 6,944 ​ $ 6,944 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding ​ 8,669,322 ​ 8,669,322 ​ 8,785,618 ​ 8,785,618 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Effect of CSEs ​ — ​ 92,767 ​ — ​ 156,932 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Adjusted weighted average common shares used in earnings per share computation ​ 8,669,322 ​ 8,762,089 ​ 8,785,618 ​ 8,942,550 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings per share ​ $ 1.04 ​ $ 1.03 ​ $ 0.79 ​ $ 0.78 ​ As of June 30, 2020 and 2019, there were 514,659 and 550,832 shares of common stock, respectively, subject to options with exercise prices less than the then current market and which were included in the computation of diluted earnings per share. At June 30, 2020 and 2019, there were 265,030 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, 2020
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	3. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following tables present the changes in accumulated other comprehensive income (loss) by component, net of tax, for the periods presented: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, ​ Three Months Ended June 30, ​ ​ ​ 2020 ​ 2020 ​ 2020 ​ 2019 ​ 2019 ​ 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ ​ ​ ​ accumulated ​ ​ ​ ​ ​ ​ ​ accumulated ​ ​ ​ Unrealized gain ​ Unrealized gain (loss) ​ other ​ Unrealized gain ​ Unrealized gain (loss) ​ other ​ ​ ​ (loss) on AFS ​ on interest rate swaps ​ comprehensive ​ (loss) on AFS ​ on interest rate swaps ​ comprehensive ​ ​ securities (a) (a) income (loss) securities (a) (a) income (loss) ​ Beginning balance, April 1 ​ $ 8,864 ​ $ (13,717) ​ $ (4,853) ​ $ (2,160) ​ $ (2,365) ​ $ (4,525) ​ Other comprehensive (loss) income before reclassification ​ 4,273 ​ (782) ​ 3,491 ​ 6,777 ​ (3,070) ​ 3,707 ​ Reclassification for net gains recorded in net income ​ ​ (2,616) ​ ​ — ​ ​ (2,616) ​ ​ (404) ​ ​ — ​ ​ (404) ​ Ending Balance, June 30 ​ $ 10,521 ​ $ (14,499) ​ $ (3,978) ​ $ 4,213 ​ $ (5,435) ​ $ (1,222) ​ (a) All amounts are net of tax. Amounts in parentheses indicate debits. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, ​ Nine Months Ended June 30, ​ ​ 2020 ​ 2020 ​ 2020 ​ 2019 ​ 2019 ​ 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ ​ ​ accumulated ​ ​ ​ ​ ​ ​ ​ accumulated ​ ​ Unrealized gain ​ Unrealized gain (loss) ​ other ​ Unrealized gain ​ Unrealized gain (loss) ​ other ​ ​ (loss) on AFS ​ on interest rate swaps ​ comprehensive ​ (loss) on AFS ​ on interest rate swaps ​ comprehensive ​ securities (a) (a) income (loss) securities (a) (a) income (loss) Beginning balance, October 1 ​ $ 8,098 ​ $ (6,906) ​ $ 1,192 ​ $ (8,320) ​ $ 166 ​ $ (8,154) Other comprehensive (loss) income before reclassification ​ 7,158 ​ (7,593) ​ (435) ​ 13,054 ​ (5,601) ​ 7,453 Reclassification from adoption of ASU 2016-01 ​ — ​ — ​ — ​ ​ (25) ​ — ​ (25) Reclassification for net gains recorded in net income ​ ​ (4,735) ​ ​ — ​ ​ (4,735) ​ ​ (496) ​ ​ — ​ ​ (496) Ending Balance, June 30 ​ $ 10,521 ​ $ (14,499) ​ $ (3,978) ​ $ 4,213 ​ $ (5,435) ​ $ (1,222) (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, 2020
INVESTMENT AND MORTGAGE-BACKED SECURITIES
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, 2020 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gains Losses Value ​ ​ (Dollars in Thousands) Securities Available for Sale: ​ ​ ​ ​ ​ ​ ​ ​ U.S. government and agency obligations ​ $ 32,293 ​ $ 133 ​ $ — ​ $ 32,426 State and political subdivisions ​ 64,454 ​ 5,571 ​ (1,534) ​ 68,491 Mortgage-backed securities - U.S. government agencies ​ ​ 250,547 ​ ​ 10,802 ​ ​ (8) ​ ​ 261,341 Corporate debt securities ​ 76,791 ​ 3,154 ​ (800) ​ 79,145 Total debt securities available for sale ​ $ 424,085 ​ $ 19,660 ​ $ (2,342) ​ $ 441,403 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities Held to Maturity: ​ ​ ​ ​ U.S. government and agency obligations ​ $ 3,500 ​ $ 247 ​ $ — ​ $ 3,747 State and political subdivisions ​ 18,103 ​ 858 ​ — ​ 18,961 Mortgage-backed securities - U.S. government agencies ​ 4,049 ​ 314 ​ — ​ 4,363 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 25,652 ​ $ 1,419 ​ $ — ​ $ 27,071 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ The Company recognized a holding loss on equity securities of $37,000 and a net realized gain of $21,000 for the nine and three months ended June 30, 2020, respectively. Net gains on equity securities were $38,000 and a loss of $3,000 during the nine and three months ended June 30, 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 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 ​ $ 24,960 ​ $ 3 ​ $ (98) ​ $ 24,865 State and political subdivisions ​ ​ 47,909 ​ 484 ​ (747) ​ 47,646 Mortgage-backed securities - U.S. government agencies ​ 362,342 ​ ​ 8,836 ​ ​ (406) ​ ​ 370,772 Corporate debt securities ​ 67,360 ​ 2,217 ​ (38) ​ 69,539 Total debt securities ​ $ 502,571 ​ $ 11,540 ​ $ (1,289) ​ $ 512,822 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities Held to Maturity: ​ ​ ​ ​ U.S. government and agency obligations ​ $ 43,349 ​ $ 181 ​ $ (188) ​ $ 43,342 State and political subdivisions ​ 20,474 ​ 645 ​ — ​ 21,119 Mortgage-backed securities - U.S. government agencies ​ 4,812 ​ 238 ​ (4) ​ 5,046 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 68,635 ​ $ 1,064 ​ $ (192) ​ $ 69,507 ​ As of June 30, 2020, the Bank maintained $208.4 million of securities in a safekeeping account at the FHLB of Pittsburgh available to be used for collateral and convenience. As of June 30, 2020, the Bank was only required to hold $118.6 million as specific collateral for its borrowings; therefore the $89.8 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, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ State and political subdivisions ​ $ — ​ $ — ​ $ (1,534) ​ $ 20,448 ​ $ (1,534) ​ $ 20,448 Mortgage-backed securities -U.S. government agencies ​ — ​ — ​ (8) ​ 732 ​ (8) ​ 732 Corporate debt securities ​ (800) ​ 13,227 ​ — ​ — ​ (800) ​ 13,227 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ (800) ​ $ 13,227 ​ $ (1,542) ​ $ 21,180 ​ $ (2,342) ​ $ 34,407 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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, 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: ​ ​ ​ ​ ​ ​ ​ ​ US government and agency obligations ​ $ (3) ​ $ 6,997 ​ $ (95) ​ $ 3,866 ​ $ (98) ​ $ 10,863 State and political subdivisions ​ ​ (4) ​ 890 ​ (743) ​ ​ 23,784 ​ (747) ​ 24,674 Mortgage-backed securities - US government agencies ​ (86) ​ 50,057 ​ (320) ​ 37,056 ​ (406) ​ 87,113 Corporate debt securities ​ (13) ​ 1,989 ​ (25) ​ 3,014 ​ (38) ​ 5,003 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ (106) ​ $ 59,933 ​ $ (1,183) ​ $ 67,720 ​ $ (1,289) ​ $ 127,653 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities Held to Maturity: ​ ​ ​ ​ ​ ​ U.S. government and agency obligations ​ $ (188) ​ $ 14,811 ​ $ — ​ $ — ​ $ (188) ​ $ 14,811 Mortgage-backed securities - US government agencies ​ (4) ​ 794 ​ — ​ — ​ (4) ​ 794 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ (192) ​ $ 15,605 ​ $ — ​ $ — ​ $ (192) ​ $ 15,605 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ (298) ​ $ 75,538 ​ $ (1,183) ​ $ 67,720 ​ $ (1,481) ​ $ 143,258 ​ 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, 2020 and 2019, the Company did not record any credit losses on investment securities through earnings. Mortgage-Backed Securities – Corporate Debt Securities 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, 2020 ​ ​ Held to Maturity ​ Available for Sale ​ Amortized Fair Amortized Fair ​ ​ Cost ​ Value ​ Cost ​ Value ​ ​ (Dollars in Thousands) Due after one through five years ​ $ — ​ $ — ​ $ 18,465 ​ $ 19,042 Due after five through ten years ​ 14,074 ​ 14,904 ​ 59,511 ​ 61,396 Due after ten years ​ 7,529 ​ 7,804 ​ 95,562 ​ 99,624 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 21,603 ​ $ 22,708 ​ $ 173,538 ​ $ 180,062 ​ During the three month period ended June 30, 2020, the Company sold securities with an aggregate amortized cost of $60.1 million for a recognized aggregate gain of $3.3 million (pre-tax). For the nine month period ended June 30, 2020, the Company sold securities with an aggregate amortized value of $142.1 million and a recognized gain of $6.0 million (pre-tax). 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).

LOANS RECEIVABLE

LOANS RECEIVABLE	9 Months Ended
	Jun. 30, 2020
LOANS RECEIVABLE
LOANS RECEIVABLE	5. LOANS RECEIVABLE Loans receivable consist of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, ​ September 30, ​ ​ 2020 2019 ​ ​ ​ (Dollars in Thousands) ​ One-to-four family residential ​ $ 229,966 ​ $ 268,780 ​ Multi-family residential ​ 32,865 ​ 30,582 ​ Commercial real estate ​ 140,236 ​ 128,521 ​ Construction and land development ​ 266,985 ​ 253,368 ​ Loans to financial institutions ​ 6,000 ​ 6,000 ​ Commercial business ​ 16,686 ​ 19,630 ​ Leases ​ 243 ​ 518 ​ Consumer ​ 686 ​ 834 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total loans ​ 693,667 ​ 708,233 ​ ​ ​ ​ ​ ​ ​ ​ ​ Undisbursed portion of loans-in-process ​ (101,141) ​ (114,528) ​ Deferred loan fees ​ (2,545) ​ (2,856) ​ Allowance for loan losses ​ (6,690) ​ (5,393) ​ ​ ​ ​ ​ ​ ​ ​ ​ Net loans ​ $ 583,291 ​ $ 585,456 ​ ​ 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, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to ​ ​ ​ ​ ​ ​ ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four- ​ Multi-family ​ Commercial ​ Construction and ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ family residential ​ residential ​ real estate ​ land development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — Collectively evaluated for impairment ​ ​ 1,376 ​ ​ 402 ​ ​ 1,647 ​ ​ 2,340 ​ ​ 207 ​ ​ 74 ​ ​ 3 ​ ​ 3 ​ ​ 638 ​ ​ 6,690 Total ending allowance balance ​ $ 1,376 ​ $ 402 ​ $ 1,647 ​ $ 2,340 ​ $ 207 ​ $ 74 ​ $ 3 ​ $ 3 ​ $ 638 ​ $ 6,690 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 3,528 ​ $ — ​ $ 1,417 ​ $ 8,650 ​ $ — ​ $ — ​ $ — ​ $ 49 ​ ​ ​ ​ $ 13,644 Collectively evaluated for impairment ​ 226,438 ​ 32,865 ​ 138,819 ​ 258,335 ​ 16,686 ​ 6,000 ​ 243 ​ 637 ​ ​ ​ ​ 680,023 Total loans ​ $ 229,966 ​ $ 32,865 ​ $ 140,236 ​ $ 266,985 ​ $ 16,686 ​ $ 6,000 ​ $ 243 ​ $ 686 ​ ​ ​ ​ $ 693,667 ​ 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, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four- ​ Multi-family ​ Commercial ​ Construction and ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ family residential residential real estate land development business institutions ​ Leases Consumer ​ Unallocated Total ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — Collectively evaluated for impairment ​ ​ 1,002 ​ ​ 315 ​ ​ 1,257 ​ ​ 2,034 ​ ​ 206 ​ ​ 63 ​ ​ 5 ​ ​ 13 ​ ​ 498 ​ ​ 5,393 Total ending allowance balance ​ $ 1,002 ​ $ 315 ​ $ 1,257 ​ $ 2,034 ​ $ 206 ​ $ 63 ​ $ 5 ​ $ 13 ​ $ 498 ​ $ 5,393 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 4,827 ​ $ — ​ $ 1,965 ​ $ 8,750 ​ $ — ​ $ — ​ $ — ​ $ — ​ ​ ​ ​ $ 15,542 Collectively evaluated for impairment ​ 263,953 ​ 30,582 ​ 126,556 ​ 244,618 ​ 19,630 ​ 6,000 ​ 518 ​ 834 ​ ​ ​ ​ 692,691 Total loans ​ $ 268,780 ​ $ 30,582 ​ $ 128,521 ​ $ 253,368 ​ $ 19,630 ​ $ 6,000 ​ $ 518 ​ $ 834 ​ ​ ​ ​ $ 708,233 ​ The loan portfolio is segmented at a level that allows management to monitor both risk and performance. Management evaluates for potential impairment all construction loans, multi-family loans, commercial real estate loans, commercial business loans, loans to financial institutions, leases and all loans and leases more than 90 days delinquent as to principal and/or interest. Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect in full the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Once the determination is made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is generally measured by comparing the recorded investment in the loan to the fair value of the loan using one of the following three methods: (a) the present value of the expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral less selling costs. Management primarily utilizes the fair value of collateral method as a practically expedient alternative. On collateral method evaluations, any portion of the loan deemed uncollectible is charged-off against the loan loss allowance. The following table presents impaired loans by class as of June 30, 2020, segregated by those for which a specific allowance was required and those for which no specific allowance was 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 ​ $ — ​ $ — ​ $ 3,528 ​ $ 3,528 ​ $ 3,839 Commercial real estate ​ — ​ — ​ 1,417 ​ 1,417 ​ 1,536 Construction and land development ​ — ​ — ​ 8,650 ​ 8,650 ​ 11,031 Consumer ​ — ​ — ​ 49 ​ 49 ​ 49 Total ​ $ — ​ $ — ​ $ 13,644 ​ $ 13,644 ​ $ 16,455 ​ The following table presents impaired loans by class as of September 30, 2019, segregated by those for which a specific allowance was required and those for which no specific allowance was 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 ​ $ — ​ $ — ​ $ 4,827 ​ $ 4,827 ​ $ 5,179 Commercial real estate ​ — ​ — ​ 1,965 ​ 1,965 ​ 2,125 Construction and land development ​ — ​ — ​ 8,750 ​ 8,750 ​ 11,131 Total ​ $ — ​ $ — ​ $ 15,542 ​ $ 15,542 ​ $ 18,435 ​ 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, 2020 ​ ​ Average ​ ​ ​ ​ Income ​ ​ Recorded ​ Income Recognized ​ Recognized on ​ Investment on Accrual Basis Cash Basis ​ ​ (Dollars in Thousands) One-to-four family residential ​ $ 3,663 ​ $ 5 ​ $ 5 Multi-family residential ​ — ​ — ​ — Commercial real estate ​ 1,417 ​ — ​ — Construction and land development ​ 8,675 ​ — ​ — Consumer ​ 25 ​ — ​ — Total impaired loans ​ $ 13,780 ​ $ 5 ​ $ 5 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2019 ​ ​ Average ​ ​ ​ ​ Income ​ ​ Recorded ​ Income Recognized ​ Recognized on ​ Investment on Accrual Basis Cash Basis ​ ​ (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 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, 2020 ​ ​ Average ​ ​ ​ ​ Income ​ ​ Recorded ​ Income Recognized ​ Recognized on ​ Investment on Accrual Basis Cash Basis ​ ​ (Dollars in Thousands) One-to-four family residential ​ $ 4,018 ​ $ 8 ​ $ 22 Multi-family residential ​ 49 ​ — ​ — Commercial real estate ​ 1,534 ​ — ​ 1 Construction and land development ​ 8,708 ​ — ​ — Commercial business ​ 3 ​ — ​ 1 Consumer ​ 19 ​ — ​ — Total impaired loans ​ $ 14,331 ​ $ 8 ​ $ 24 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, 2019 ​ ​ Average ​ ​ ​ ​ Income ​ ​ Recorded ​ Income Recognized ​ Recognized on ​ Investment on Accrual Basis Cash Basis ​ ​ (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 ​ 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, 2020 ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ Total ​ Pass Mention Substandard Doubtful Loans ​ ​ (Dollars in Thousands) One-to-four residential ​ $ 225,007 ​ $ 1,431 ​ $ 3,528 ​ $ — ​ $ 229,966 Multi-family residential ​ 32,865 ​ — ​ — ​ — ​ 32,865 Commercial real estate ​ 137,727 ​ 1,092 ​ 1,417 ​ — ​ 140,236 Construction and land development ​ 258,335 ​ — ​ 8,650 ​ — ​ 266,985 Loans to financial institutions ​ 6,000 ​ — ​ — ​ — ​ 6,000 Commercial business ​ 16,686 ​ — ​ — ​ — ​ 16,686 Total ​ $ 676,620 ​ $ 2,523 ​ $ 13,595 ​ $ — ​ $ 692,738 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2019 ​ ​ Special ​ ​ ​ ​ ​ ​ Total ​ Pass Mention Substandard Doubtful Loans ​ ​ (Dollars in Thousands) One-to-four residential ​ $ 262,164 ​ $ 1,789 ​ $ 4,827 ​ $ — ​ $ 268,780 Multi-family residential ​ 30,582 ​ — ​ — ​ — ​ 30,582 Commercial real estate ​ 122,838 ​ 3,718 ​ 1,965 ​ — ​ 128,521 Construction and land development ​ 244,618 ​ — ​ 8,750 ​ — ​ 253,368 Loans to financial institutions ​ ​ 6,000 ​ — ​ — ​ — ​ 6,000 Commercial business ​ 19,630 ​ — ​ — ​ — ​ 19,630 Total ​ $ 685,832 ​ $ 5,507 ​ $ 15,542 ​ $ — ​ $ 706,881 ​ 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 particular 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, 2020 ​ ​ Non- Total ​ ​ Performing ​ Performing ​ Loans ​ ​ (Dollars in Thousands) One-to-four family residential ​ $ 226,858 ​ $ 3,108 ​ $ 229,966 Leases ​ 243 ​ — ​ 243 Consumer ​ 637 ​ 49 ​ 686 Total ​ $ 227,738 ​ $ 3,157 ​ $ 230,895 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2019 ​ ​ ​ Non- Total ​ ​ Performing ​ Performing ​ Loans ​ ​ (Dollars in Thousands) One-to-four family residential ​ $ 265,068 ​ $ 3,712 ​ $ 268,780 Leases ​ 518 ​ — ​ 518 Consumer ​ 834 ​ — ​ 834 Total ​ $ 266,420 ​ $ 3,712 ​ $ 270,132 ​ 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, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 $ 226,616 ​ $ 644 ​ $ 2,706 ​ $ 3,350 ​ $ 229,966 ​ $ 3,108 ​ $ — Multi-family residential ​ 32,865 ​ — ​ — ​ — ​ 32,865 ​ — ​ — Commercial real estate ​ 137,163 ​ 1,656 ​ 1,417 ​ 3,073 ​ 140,236 ​ 1,417 ​ — Construction and land development ​ 258,335 ​ — ​ 8,650 ​ 8,650 ​ 266,985 ​ 8,650 ​ — Commercial business ​ 16,686 ​ — ​ — ​ — ​ 16,686 ​ — ​ — Loans to financial institutions ​ 6,000 ​ — ​ — ​ — ​ 6,000 ​ — ​ — Leases ​ 243 ​ — ​ — ​ — ​ 243 ​ — ​ Consumer ​ 637 ​ — ​ 49 ​ 49 ​ 686 ​ 49 ​ — Total Loans ​ $ 678,545 ​ $ 2,300 ​ $ 12,822 ​ $ 15,122 ​ $ 693,667 ​ $ 13,224 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 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 ​ $ 264,784 ​ $ 750 ​ $ 3,246 ​ $ 3,996 ​ $ 268,780 ​ $ 3,712 ​ $ — Multi-family residential ​ 30,582 ​ — ​ — ​ — ​ 30,582 ​ — ​ — Commercial real estate ​ 127,104 ​ — ​ 1,417 ​ 1,417 ​ 128,521 ​ 1,473 ​ — Construction and land development ​ 244,618 ​ — ​ 8,750 ​ 8,750 ​ 253,368 ​ 8,750 ​ — Commercial business ​ 19,630 ​ — ​ — ​ — ​ 19,630 ​ — ​ — Loans to financial institutions ​ ​ 6,000 ​ — ​ — ​ — ​ 6,000 ​ — ​ — Leases ​ 518 ​ — ​ — ​ — ​ 518 ​ — ​ Consumer ​ 739 ​ 95 ​ — ​ 95 ​ 834 ​ — ​ — Total Loans ​ $ 693,975 ​ $ 845 ​ $ 13,413 ​ $ 14,258 ​ $ 708,233 ​ $ 13,935 ​ $ — ​ 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. For the three months ended June 30, 2020 the analysis took into account the pandemic and its effects on the Company's business, especially with respect to commercial real estate, commercial business and construction and land development loans. 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 and/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, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2020 ​ One- to Multi- ​ ​ Construction ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four-family ​ family ​ Commercial ​ and land ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ residential ​ residential ​ real estate ​ development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (In Thousands) ALLL balance at March 31, 2020 ​ $ 1,301 ​ $ 295 ​ $ 1,365 ​ $ 2,090 ​ $ 257 ​ $ 70 ​ $ 4 ​ $ 3 ​ $ 576 ​ $ 5,961 Charge-offs ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (22) ​ ​ — ​ ​ (22) Recoveries ​ ​ 1 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1 Provision ​ ​ 74 ​ ​ 107 ​ ​ 282 ​ ​ 250 ​ ​ (50) ​ ​ 4 ​ ​ (1) ​ ​ 22 ​ ​ 62 ​ ​ 750 ALLL balance at June 30, 2020 ​ $ 1,376 ​ $ 402 ​ $ 1,647 ​ $ 2,340 ​ $ 207 ​ $ 74 ​ $ 3 ​ $ 3 ​ $ 638 ​ $ 6,690 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, 2020 ​ One- to Multi- ​ ​ Construction ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four-family ​ family ​ Commercial ​ and land ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ residential ​ residential ​ real estate ​ development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (In Thousands) ALLL balance at September 30, 2019 ​ $ 1,002 ​ $ 315 ​ $ 1,257 ​ $ 2,034 ​ $ 206 ​ $ 63 ​ $ 5 ​ $ 13 ​ $ 498 ​ $ 5,393 Charge-offs ​ ​ (3) ​ ​ — ​ ​ — ​ ​ — ​ ​ (15) ​ ​ — ​ ​ — ​ ​ (77) ​ ​ — ​ ​ (95) Recoveries ​ ​ 2 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9 ​ ​ 6 ​ ​ — ​ ​ 17 Provision ​ ​ 375 ​ ​ 87 ​ ​ 390 ​ ​ 306 ​ ​ 16 ​ ​ 11 ​ ​ (11) ​ ​ 61 ​ ​ 140 ​ ​ 1,375 ALLL balance at June 30, 2020 ​ $ 1,376 ​ $ 402 ​ $ 1,647 ​ $ 2,340 ​ $ 207 ​ $ 74 ​ $ 3 ​ $ 3 ​ $ 638 ​ $ 6,690 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2019 ​ One- to Multi- ​ ​ Construction ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four-family ​ family ​ Commercial ​ and land ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ residential ​ residential ​ real estate ​ development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (In Thousands) ​ ​ ​ ALLL balance at March 31, 2019 ​ $ 1,314 ​ $ 385 ​ $ 1,342 ​ $ 1,370 ​ $ 235 ​ $ 68 ​ $ 13 ​ $ 20 ​ $ 480 ​ $ 5,227 Charge-offs ​ ​ - ​ ​ - ​ ​ - ​ ​ - ​ ​ - ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Recoveries ​ ​ 103 ​ ​ - ​ ​ - ​ ​ - ​ ​ - ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 103 Provision ​ ​ (387) ​ ​ (65) ​ ​ (56) ​ ​ 537 ​ ​ (28) ​ ​ (5) ​ ​ (4) ​ ​ (14) ​ ​ 22 ​ ​ — ALLL balance at June 30, 2019 ​ $ 1,030 ​ $ 320 ​ $ 1,286 ​ $ 1,907 ​ $ 207 ​ $ 63 ​ $ 9 ​ $ 6 ​ $ 502 ​ $ 5,330 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, 2019 ​ One- to Multi- ​ ​ Construction ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four-family ​ family ​ Commercial ​ and land ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ residential ​ residential ​ real estate ​ development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (In Thousands) ​ ​ ​ ALLL balance at September 30, 2018 ​ $ 1,343 ​ $ 347 ​ $ 1,154 ​ $ 1,554 ​ $ 187 ​ $ 64 ​ $ 18 ​ $ 18 ​ $ 482 ​ $ 5,167 Charge-offs ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Recoveries ​ ​ 163 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 163 Provision ​ ​ (476) ​ ​ (27) ​ ​ 132 ​ ​ 353 ​ ​ 20 ​ ​ (1) ​ ​ (9) ​ ​ (12) ​ ​ 20 ​ ​ — ALLL balance at June 30, 2019 ​ $ 1,030 ​ $ 320 ​ $ 1,286 ​ $ 1,907 ​ $ 207 ​ $ 63 ​ $ 9 ​ $ 6 ​ $ 502 ​ $ 5,330 ​ The Company recorded a provision for loan losses of $750,000 and $1.4 million for the three and nine months period ended June 30, 2020, respectively, compared to no provision for loan losses for the comparable three and nine months periods in fiscal 2019. The provision expense incurred during the 2020 periods was primarily as a precaution due to the uncertainty associated with the economic effects of COVID-19 and the potential credit deterioration caused thereby. Although minimal delinquencies had occurred as of June 30, 2020 due to the effects of the COVID-19 pandemic, deferments were granted during the three months ended June 30, 2020 with respect to commercial real estate and residential real estate loans aggregating $132.6 million and $ 17.1 million respectively. These deferments are not anticipated to be troubled debt restructurings (“TDRs“) as all the borrowers requesting deferments were current as of December 31, 2019 and the request for the deferments were related to the current economic conditions caused by COVID-19, not underlying weaknesses within the respective loans. Notwithstanding the foregoing, the Company believes there is a material risk that credit losses and non-performing assets may increase due to current economic conditions. During the quarter ended June 30, 2020, the Company recorded $22,000 in charge offs and recoveries of $1,000. During the nine months ended June 30, 2020, the Company recorded charge offs of $95,000 and recoveries of $17,000. 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 At June 30, 2020, the Company had four loans aggregating $5.3 million that were classified as TDRs. Three of the TDRs, totaling $4.9 million, which are classified as non-accrual are a part of a troubled lending relationship totaling $10.5 million. The remaining TDR is also on non-accrual and consists of a $420,000 loan secured by a single-family property; the loan is performing in accordance with the restructured terms. The Company did not restructure any loans, as a TDR, during the three and nine months ended June 30, 2020, or during the three and nine months ending June 30, 2019. No TDRs defaulted during the three and nine-month periods ending June 30, 2020 or 2019.

DEPOSITS

DEPOSITS	9 Months Ended
	Jun. 30, 2020
DEPOSITS
DEPOSITS	6. DEPOSITS Deposits consist of the following major classifications: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, ​ September 30, ​ ​ ​ 2020 ​ 2019 ​ ​ Amount Percent Amount Percent ​ ​ ​ (Dollars in Thousands) ​ Non-interest-bearing checking accounts ​ $ 28,174 3.9 % $ 16,949 2.2 % ​ Interest-bearing checking accounts ​ 67,033 9.2 % 58,647 7.9 % ​ Money market deposit accounts ​ 210,447 28.9 % 75,766 10.2 % ​ Passbook, club and statement savings ​ 83,207 11.5 % 80,899 10.9 % ​ Certificates maturing in six months or less ​ 173,387 23.8 % 294,343 39.5 % ​ Certificates maturing in more than six months ​ 164,901 22.7 % 218,840 29.3 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 727,149 100.0 % $ 745,444 100.0 % ​ ​ Certificates in the amount of $250,000 and over totaled $104.3 million as of June 30, 2020 and $182.8 million as of September 30, 2019.

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	9 Months Ended
	Jun. 30, 2020
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	7. ADVANCES FROM FEDERAL HOME LOAN BANK – SHORT TERM As of June 30, 2020 and September 30, 2019 outstanding balances and related information of short-term borrowings from the FHLB are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, September 30, ​ (Dollar Amounts in Thousands) 2020 2019 ​ Balance at period-end ​ $ 25,000 ​ $ 90,000 ​ ​ Weight-average rate at period-end ​ 0.48 % 2.32 % ​ ​ As of June 30, 2020, the $25.0 million of borrowings consisted of one 90-day FHLB advance associated with an interest rate swap contract. As of September 30, 2019, the $90.0 million of borrowings consisted of seven 30-day FHLB advances associated with interest rate swap contracts.

ADVANCES FROM FEDERAL HOME LO_2

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM	9 Months Ended
	Jun. 30, 2020
ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM
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, 2020 and September 30, 2019 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 2020 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in Thousands) Fixed Rate - Amortizing 1 ‑ Oct ‑ 19 30 ‑ Sep ‑ 20 ​ 1.53 % 1.53 % 1.53 % $ — ​ $ 236 Fixed Rate - Amortizing 1 ‑ Oct ‑ 20 30 ‑ Sep ‑ 21 ​ 2.73 % 1.94 % 2.83 % 7,495 ​ 14,354 Fixed Rate - Amortizing 1 ‑ Oct ‑ 21 30 ‑ Sep ‑ 22 ​ 2.83 % 1.99 % 3.05 % 6,333 ​ 8,729 Fixed Rate - Amortizing 1 ‑ Oct ‑ 22 30 ‑ Sep ‑ 23 ​ 2.89 % 1.94 % 3.11 % 5,686 ​ 6,931 Total ​ 2.81 % ​ $ 19,514 ​ $ 30,250 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fixed Rate - Advances 1 ‑ Oct ‑ 19 30 ‑ Sep ‑ 20 ​ 2.87 % 1.38 % 3.06 % $ 2,252 ​ $ 12,304 Fixed Rate - Advances 1 ‑ Oct ‑ 20 30 ‑ Sep ‑ 21 ​ 2.37 % 1.42 % 2.92 % 18,002 ​ 18,017 Fixed Rate - Advances 1 ‑ Oct ‑ 21 30 ‑ Sep ‑ 22 ​ 2.31 % 1.94 % 3.23 % 63,304 ​ 63,336 Fixed Rate - Advances 1 ‑ Oct ‑ 22 30 ‑ Sep ‑ 23 ​ 2.52 % 2.00 % 3.15 % 94,999 ​ 94,999 Fixed Rate - Advances 1 ‑ Oct ‑ 23 30 ‑ Sep ‑ 24 ​ 2.88 % 2.38 % 3.20 % 67,998 ​ 67,998 Total ​ 2.56 % ​ $ 246,555 ​ $ 256,654 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2.58 % ​ Total ​ $ 266,069 ​ $ 286,904 ​

DERIVATIVES

DERIVATIVES	9 Months Ended
	Jun. 30, 2020
DERIVATIVES
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, 2020 and September 30, 2019, while there are eleven additional cash flow hedges tied to wholesale funding at both June 30, 2020 and September 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, 2020, $1,000 of expense was recognized as ineffectiveness through earnings, while $3,000 of expense was recognized as ineffectiveness through earnings during the comparable period in fiscal 2019. During the nine months ended June 30, 2020, $4,000 of expense was recognized as ineffectiveness through earnings, while $5,000 of expense was recognized as ineffectiveness through earnings during the comparable period in 2019. 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 both June 30, 2020 and September 30, 2019. The fair value 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, 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2020 Hedged ​ Notional ​ Pay Rate ​ Receive ​ Maturity Date ​ Unrealized Item Amount from to Rate from to ​ Loss (Dollars in thousands) FHLB advance ​ $ 10,000 2.70 % 2.70 % 1 Mth Libor ​ 10-Apr-25 ​ 10-Apr-25 ​ $ (1,207) State and political subdivisions ​ 21,570 3.06 % 3.07 % 3 Mth Libor ​ 1-Feb-27 ​ 1-May-28 ​ (4,000) Commercial loans ​ 23,656 4.10 % 5.74 % 1 Mth Libor +225 to 276 bp ​ 13-Jun-25 ​ 1-Aug-26 ​ (2,709) 30 day wholesale funding ​ ​ 80,000 ​ 1.36 % 2.51 % 1 Mth Libor ​ 15-Feb-24 ​ 12-Jun-26 ​ ​ (5,334) 90 day wholesale funding ​ ​ 135,000 ​ 2.51 % 2.78 % 3 Mth Libor ​ 11-Jan-24 ​ 27-Mar-24 ​ ​ (11,813) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ (25,063) ​ Below is a summary of the interest rate swap agreements and their terms as of September 30, 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2019 Hedged ​ Notional ​ Pay Rate ​ Receive ​ Maturity Date ​ Unrealized Item Amount from to Rate from to Loss (Dollars in t housands) FHLB advance ​ $ 10,000 2.70 % 2.70 % 1 Mth Libor ​ 10-Apr-25 ​ 10-Apr-25 ​ $ (719) State and political subdivisions ​ ​ 21,570 ​ 3.06 % 3.07 % 3 Mth Libor ​ 1-Feb-27 ​ 1-May-28 ​ ​ (2,502) Commercial loans ​ 17,229 4.10 % 5.74 % 1 Mth Libor +250 to 276 bp ​ 13-Jun-25 ​ 1-Aug-26 ​ ​ — 30 day wholesale funding ​ ​ 65,000 ​ 1.94 % 2.51 % 1 Mth Libor ​ 15-Feb-24 ​ 12-Jun-26 ​ ​ (1,415) 90 day wholesale funding ​ ​ 135,000 ​ 2.51 % 2.78 % 3 Mth Libor ​ 11-Jan-24 ​ 27-Mar-24 ​ ​ (6,605) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ (11,241) ​ 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, 2020
INCOME TAXES
INCOME TAXES	10. INCOME TAXES Items that gave rise to significant portions of deferred income taxes are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, ​ September 30, ​ ​ 2020 2019 ​ ​ ​ (Dollars in Thousands) ​ Deferred tax assets: ​ ​ ​ Allowance for loan losses ​ $ 1,736 ​ $ 1,488 ​ Nonaccrual interest ​ 565 ​ 487 ​ Accrued vacation ​ 7 ​ 7 ​ Capital loss carryforward ​ — ​ 121 ​ Split dollar life insurance ​ 9 ​ 9 ​ Post-retirement benefits ​ 73 ​ 76 ​ Realized loss on equity securities ​ 8 ​ — ​ Unrealized losses on interest rate swaps ​ ​ 3,854 ​ ​ 1,836 ​ Deferred compensation ​ 788 ​ 809 ​ Goodwill ​ 61 ​ 69 ​ Other ​ 61 ​ 64 ​ Employee benefit plans ​ 307 ​ 216 ​ Total deferred tax assets ​ 7,469 ​ 5,182 ​ Valuation allowance ​ — ​ (121) ​ Total deferred tax assets, net of valuation allowance ​ 7,469 ​ 5,061 ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ ​ Property ​ 134 ​ 141 ​ Realized gain on equity securities ​ ​ — ​ ​ 19 ​ Unrealized gains on available for sale securities ​ ​ 2,797 ​ ​ 2,153 ​ Purchase accounting adjustments ​ 299 ​ 215 ​ Deferred loan fees ​ 112 ​ 175 ​ Total deferred tax liabilities ​ 3,342 ​ 2,703 ​ Net deferred tax assets ​ $ 4,127 ​ $ 2,358 ​ ​ 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. There was no valuation allowance at June 30, 2020 and a valuation allowance of $121,000 at September 30, 2019. 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. The Company’s federal and state income tax returns for taxable years through September 30, 2016 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, 2020
EMPLOYEE BENEFITS
STOCK COMPENSATION PLANS	11. STOCK COMPENSATION PLANS The Company maintains the 2008 Recognition and Retention Plan (“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 RRP purchased 213,528 shares (on a converted basis) of the Company’s common stock in the open market for an aggregating cost of approximately $2.5 million, at an average purchase price per share of $11.49. The Company made sufficient contributions to the RRP to fund these purchases. 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 awards covering shares under the RRP and 3,027 shares under the 2014 SIP. In March 2017, the Company granted awards covering 17,128 shares under the 2014 SIP. In March 2018, the Company granted awards covering 924 shares under the RRP and 25,576 shares under the 2014 SIP. Shares subject to awards under either plan generally vest at the rate of 20% per year over five years. No further grants may be made pursuant to the RRP in accordance with its terms. 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, 2020, an aggregate of $47,000 and $303,000, respectively, was recognized in compensation expense for the grants pursuant to the RRP and the grants pursuant to the 2014 SIP. During the three and nine months ended June 30, 2019, $157,000 and $464,000, respectively, was recognized in compensation expense for the grants pursuant to the RRP and the grants pursuant to the 2014 SIP. At June 30, 2020, approximately $396,000 in additional compensation expense for unvested shares awarded related to the RRP and 2014 SIP remained unrecognized. A summary of the Company’s non-vested stock award activity for the nine months ended June 30, 2020 is presented in the following tables: ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended ​ ​ June 30, 2020 ​ ​ Number of ​ Weighted Average ​ Shares Grant Date Fair Value Non-vested stock awards at October 1, 2019 68,980 ​ $ 15.05 Granted — ​ — Forfeited — ​ — Vested (42,024) ​ 13.44 Non-vested stock awards at June 30, 2020 26,956 ​ $ 17.56 ​ The Company maintains the 2008 Stock Option Plan (the “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 (on a converted basis) of common stock were approved for future issuance pursuant to the Option Plan. As of September 30, 2018, all of the options had been awarded under the Option Plan. The 2014 SIP reserved up to 714,145 shares for issuance pursuant to options. Options to purchase 605,000 shares were awarded during February 2015 pursuant to the 2014 SIP. During August 2016, the Company granted options covering 18,866 shares under the Option Plan and 8,634 shares under the 2014 SIP. In March 2017, the Company granted options covering 22,828 shares under the 2014 SIP. In May 2017, the Company granted options covering 25,000 shares under the 2014 SIP and 283 shares under the Option Plan. In March 2018, the Company granted options covering 159,265 shares under the 2014 SIP and 18,235 shares under the Option Plan. In July 2019, the Company granted options covering 39,702 shares under the 2014 SIP. No further grants can be made under the Option Plan in accordance with its terms and no further shares are available for grant under the 2014 SIP unless options are forfeited. A summary of the status of the Company’s stock options under the Option Plan and the 2014 SIP as of June 30, 2020 is presented below: ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended ​ ​ June 30, 2020 ​ Number of Weighted Average ​ ​ Shares ​ Exercise Price Options outstanding at October 1, 2019 793,034 ​ $ 13.86 Granted — ​ — Exercised (13,345) ​ 10.09 Forfeited — ​ — Outstanding at June 30, 2020 779,689 ​ $ 13.93 Exercisable at the June 30, 2020 603,356 ​ $ 12.72 ​ The weighted average remaining contractual term was approximately 5.5 years for options outstanding as of June 30, 2020. 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 the 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, $3.63 for options granted during fiscal 2018 and $3.38 for options granted in fiscal 2019. 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 and fair value of $17.43, term of seven years, volatility rate of 14.37%, interest rate of 2.22% and a yield rate 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 of $18.46, term of seven years, volatility rate of 15.90%, interest rate of 2.82% and a yield rate of 1.08%. The fair value for grants made in fiscal 2019 was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions: an exercise and fair value of $18.16, term of seven years, volatility rate of 17.76%, interest rate of 1.87% and a yield rate of 1.10%. During the three and nine months ended June 30, 2020, $48,000 and $319,000, respectively, was recognized in compensation expense for options granted pursuant to the Option Plan and the 2014 SIP. At June 30, 2020, there was approximately $518,000 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 2.9 years.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	9 Months Ended
	Jun. 30, 2020
COMMITMENTS AND CONTINGENT LIABILITIES
COMMITMENTS AND CONTINGENT LIABILITIES	12. COMMITMENTS AND CONTINGENT LIABILITIES At June 30, 2020, the Company had $7.8 million in outstanding commitments to originate loans with market interest rates ranging from 3.25% to 5.00%. At September 30, 2019, the Company had $32.4 million in outstanding commitments to originate loans with market interest rates ranging from 1.99% to 6.50%. The aggregate undisbursed portion of loans-in-process amounted to $101.1 million at June 30, 2020 and $114.5 million at September 30, 2019. The Company also had commitments under unused lines of credit of $35.0 million as of June 30, 2020 and $37.5 million as of September 30, 2019 and letters of credit outstanding of $1.1 million as of June 30, 2020 and $1.5 million as of September 30, 2019. 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, 2020, the exposure, which represents a portion of credit risk associated with the interests sold, amounted to $1.2 million. This exposure is for the life of the related loans and payables, on our proportionate share, as actual losses are incurred. 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, 2020
FAIR VALUE MEASUREMENT
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, 2020 and September 30, 2019, 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, 2020 which are measured at fair value on a recurring basis are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Category Used for Fair Value Measurement ​ Level 1 Level 2 Level 3 Total ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets: ​ ​ ​ ​ ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ U.S. Government and agency obligations ​ $ — ​ $ 32,426 ​ $ — ​ $ 32,426 State and political subdivisions ​ — ​ 68,491 ​ — ​ 68,491 Mortgage-backed securities - U.S. Government agencies ​ — ​ 261,341 ​ — ​ 261,341 Corporate bonds ​ — ​ 79,145 ​ — ​ 79,145 Equity security - FHLMC preferred stock ​ 58 ​ — ​ — ​ 58 Total ​ $ 58 ​ $ 441,403 ​ $ — ​ $ 441,461 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate swap contracts ​ $ — ​ $ 25,063 ​ $ — ​ $ 25,063 Total ​ $ — ​ $ 25,063 ​ $ — ​ $ 25,063 ​ Those assets and liabilities as of September 30, 2019 which are measured at fair value on a recurring basis are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Category Used for Fair Value Measurement ​ Level 1 Level 2 Level 3 Total ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets: ​ ​ ​ ​ ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ U.S. Government and agency obligations ​ $ — ​ $ 24,865 ​ $ — ​ $ 24,865 State and political subdivisions ​ ​ — ​ 47,646 ​ — ​ 47,646 Mortgage-backed securities - U.S. Government agencies ​ — ​ 370,772 ​ — ​ 370,772 Corporate bonds ​ — ​ 69,539 ​ — ​ 69,539 Equity security - FHLMC preferred stock ​ 95 ​ — ​ — ​ 95 Total ​ $ 95 ​ $ 512,822 ​ $ — ​ $ 512,917 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate swap contracts ​ $ — ​ $ 11,241 ​ $ — ​ $ 11,241 Total ​ $ — ​ $ 11,241 ​ $ — ​ $ 11,241 ​ 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 other 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 $13.6 million as of June 30, 2020. 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 a 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, 2020 ​ ​ (Dollars in Thousands) ​ Level 1 Level 2 Level 3 Total Impaired loans ​ $ — ​ $ — ​ $ 13,644 ​ $ 13,644 Other real estate owned ​ — ​ — ​ 406 ​ 406 Total ​ $ — ​ $ — ​ $ 14,050 ​ $ 14,050 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2019 ​ ​ (Dollars in Thousands) ​ Level 1 Level 2 Level 3 Total Impaired loans ​ $ — ​ $ — ​ $ 15,542 ​ $ 15,542 Other real estate owned ​ — ​ — ​ 348 ​ 348 Total ​ $ — ​ $ — ​ $ 15,890 ​ $ 15,890 ​ 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, 2020 ​ ​ ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ Valuation ​ ​ ​ Range/ ​ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans ​ $ 13,644 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 9% discount / 7% Other real estate owned ​ $ 406 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 22% discount ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2019 ​ ​ ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ Valuation ​ ​ ​ Range/ ​ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans ​ $ 15,542 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 9% discount / 7% Other real estate owned ​ $ 348 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 22% 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 ​ ​ Carrying ​ Fair ​ June 30, 2020 ​ Amount Value (Level 1) (Level 2) (Level 3) ​ ​ (Dollars in Thousands) ​ ​ ​ Assets: ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 60,020 ​ $ 60,020 ​ $ 60,020 ​ $ — ​ $ — Certificates of deposit ​ ​ 2,351 ​ ​ 2,351 ​ ​ 2,351 ​ ​ — ​ ​ — Investment and mortgage-backed securities available for sale ​ ​ 441,403 ​ ​ 441,403 ​ ​ — ​ ​ 441,403 ​ ​ — Equity securities ​ ​ 58 ​ ​ 58 ​ ​ 58 ​ ​ — ​ ​ — Investment and mortgage-backed securities held to maturity ​ ​ 25,652 ​ ​ 27,071 ​ ​ — ​ ​ 27,071 ​ ​ — Loans held for sale ​ ​ 1,070 ​ ​ 1,070 ​ ​ 1,070 ​ ​ — ​ ​ — Loans receivable, net ​ ​ 583,291 ​ ​ 587,337 ​ ​ — ​ ​ — ​ ​ 587,337 Accrued interest receivable ​ ​ 5,134 ​ ​ 5,134 ​ ​ 5,134 ​ ​ — ​ ​ — Restricted bank stock ​ ​ 12,982 ​ ​ 12,982 ​ ​ 12,982 ​ ​ — ​ ​ — Bank owned life insurance ​ ​ 32,333 ​ ​ 32,333 ​ ​ 32,333 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Checking accounts ​ ​ 95,207 ​ ​ 95,207 ​ ​ 95,207 ​ ​ — ​ ​ — Money market deposit accounts ​ ​ 210,447 ​ ​ 210,447 ​ ​ 210,447 ​ ​ — ​ ​ — Passbook, club and statement savings accounts ​ ​ 83,207 ​ ​ 83,207 ​ ​ 83,207 ​ ​ — ​ ​ — Certificates of deposit ​ ​ 338,288 ​ ​ 349,810 ​ ​ — ​ ​ — ​ ​ 349,810 Advances from FHLB -short-term ​ ​ 25,000 ​ ​ 25,000 ​ ​ 25,000 ​ ​ — ​ ​ — Advances from FHLB -long-term ​ ​ 266,069 ​ ​ 280,418 ​ ​ — ​ ​ — ​ ​ 280,418 Accrued interest payable ​ ​ 3,014 ​ ​ 3,014 ​ ​ 3,014 ​ ​ — ​ ​ — Advances from borrowers for taxes and insurance ​ ​ 3,259 ​ ​ 3,259 ​ ​ 3,259 ​ ​ — ​ ​ — Interest rate swap contracts ​ ​ 25,063 ​ ​ 25,063 ​ ​ — ​ ​ 25,063 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements at ​ ​ Carrying ​ Fair ​ September 30, 2019 ​ Amount Value (Level 1) (Level 2) (Level 3) ​ ​ (Dollars in Thousands) ​ ​ ​ Assets: ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 47,968 ​ $ 47,968 ​ $ 47,968 ​ $ — ​ $ — Certificates of deposit ​ ​ 2,351 ​ ​ 2,351 ​ ​ 2,351 ​ ​ — ​ ​ — Investment and mortgage-backed securities available for sale ​ ​ 512,822 ​ ​ 512,822 ​ ​ — ​ ​ 512,822 ​ ​ — Equity securities ​ ​ 95 ​ ​ 95 ​ ​ 95 ​ ​ ​ ​ ​ ​ Investment and mortgage-backed securities held to maturity ​ ​ 68,635 ​ ​ 69,507 ​ ​ — ​ ​ 69,507 ​ ​ — Loans receivable, net ​ ​ 585,456 ​ ​ 585,476 ​ ​ — ​ ​ — ​ ​ 585,476 Accrued interest receivable ​ ​ 4,549 ​ ​ 4,549 ​ ​ 4,549 ​ ​ — ​ ​ — Restricted bank stock ​ ​ 16,406 ​ ​ 16,406 ​ ​ 16,406 ​ ​ — ​ ​ — Bank owned life insurance ​ ​ 31,841 ​ ​ 31,841 ​ ​ 31,841 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Checking accounts ​ ​ 75,596 ​ ​ 75,596 ​ ​ 75,596 ​ ​ — ​ ​ — Money market deposit accounts ​ ​ 75,766 ​ ​ 75,766 ​ ​ 75,766 ​ ​ — ​ ​ — Passbook, club and statement savings accounts ​ ​ 80,899 ​ ​ 80,899 ​ ​ 80,899 ​ ​ — ​ ​ — Certificates of deposit ​ ​ 513,183 ​ ​ 529,099 ​ ​ — ​ ​ — ​ ​ 529,099 Accrued interest payable ​ ​ 4,328 ​ ​ 4,328 ​ ​ 4,328 ​ ​ — ​ ​ — Advances from FHLB -short-term ​ ​ 90,000 ​ ​ 90,000 ​ ​ 90,000 ​ ​ ​ ​ ​ — Advances from FHLB -long-term ​ ​ 286,904 ​ ​ 293,839 ​ ​ — ​ ​ — ​ ​ 293,839 Advances from borrowers for taxes and insurance ​ ​ 2,332 ​ ​ 2,332 ​ ​ 2,332 ​ ​ — ​ ​ — Interest rate swap contracts ​ ​ 11,241 ​ ​ 11,241 ​ ​ — ​ ​ 11,241 ​ ​ — ​

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	9 Months Ended
	Jun. 30, 2020
GOODWILL AND OTHER INTANGIBLE ASSETS
GOODWILL AND OTHER INTANGIBLE ASSETS	14. GOODWILL AND OTHER INTANGIBLE ASSETS The Company’s goodwill and intangible assets are related to the acquisition of Polonia Bancorp on January 1, 2017. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ ​ ​ ​ ​ ​ ​ Balance ​ ​ ​ ​ October 1, ​ Additions/ ​ ​ ​ ​ June 30, ​ Amortization ​ 2019 Adjustments Amortization 2020 Period ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in Thousands) ​ ​ Goodwill ​ $ 6,102 ​ $ — ​ $ — ​ $ 6,102 Core deposit intangible ​ 448 ​ — ​ (82) ​ 366 10 years ​ ​ $ 6,550 ​ $ — ​ $ (82) ​ $ 6,468 ​ As of June 30, 2020, the current fiscal year and the future fiscal periods amortization expense for the core deposit intangible is: ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ ​ ​ ​ 2020 ​ $ 26 2021 ​ 93 2022 ​ 78 2023 ​ 64 2024 ​ 49 Thereafter ​ 56 ​ ​ $ 366 ​

LEASES

LEASES	9 Months Ended
	Jun. 30, 2020
LEASES
LEASES	15. LEASES Operating leases in which the Company is the lessee are recorded as operating lease Right of Use ("ROU") assets and operating lease liabilities, included in other assets and other liabilities, respectively, on the consolidated statement of financial condition. The Company does not currently have any finance leases. Operating lease ROU assets represent the right to use an underlying asset during the lease term and operating lease liabilities represent the obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized as of the date of adoption of ASU2016-02 based on the present value of the remaining lease payments using a discount rate that represents the Company's incremental borrowing rate at the date of initial application. Operating lease expense, which is comprised of amortization of the ROU assets and the implicit interest accreted on the operating lease liability, is recognized on a straight line basis over the lease term of the operating lease, and is recorded in office occupancy expense in the consolidated statements of operations. The leases relate to Bank branches with remaining lease terms of generally five As of June 30, 2020, operating lease ROU assets were $1.3 million and operating lease liabilities were $1.4 million. Operating lease costs of $59,000 and $178,000 were recognized for the three and nine month periods ended June 30, 2020. The following table summarizes other information related to our operating leases: ​ ​ ​ ​ ​ June 30, 2020 ​ ​ Weighted-average remaining lease term - operating leases in years 6.50 ​ Weighted-average discount rate - operating leases 2.0 % ​ The following table presents aggregate lease maturities and obligations as of June 30, 2020: ​ ​ ​ ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ 2020 ​ $ 52 2021 ​ 210 2022 ​ 213 2023 ​ 216 2024 ​ 220 2025 and thereafter ​ ​ 647 Total lease payments ​ ​ 1,558 Less: interest ​ 110 Present value of lease liabilities ​ $ 1,448 ​

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Jun. 30, 2020
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
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, 2019, the Company adopted ASU 2016-02 – Leases $1.6 million. A $75,000 prior period adjustment to retained earnings was recognized as of October 1, 2019. The Company has presented the necessary disclosures in Note 15. Recent Accounting Pronouncements Not Yet Adopted In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments 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 May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses, Topic 326, which allows entities to irrevocably elect the fair value option for certain financial assets previously measured at amortized cost upon adoption of the new credit losses standard. To be eligible for the transition election, the existing financial asset must otherwise be both within the scope of the new credit losses standard and eligible for the applying the fair value option in ASC 825-10-3. The election must be applied on an instrument-by-instrument basis and is not available for either available-for-sale or held-to-maturity debt securities. For entities that elect the fair value option, the difference between the carrying amount and the fair value of the financial asset would be recognized through a cumulative-effect adjustment to opening retained earnings as of the date an entity adopted ASU 2016-13. Changes in fair value of that financial asset would subsequently be reported in current earnings. For entities that have not yet adopted ASU 2016-13, the effective dates and transition requirements are the same as those in ASU 2016-13. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In November 2019, the FASB issued ASU 2019-08, Compensation ‒ Stock Compensation (Topic 718) and Revenue from Contracts with Customers (Topic 606), which requires entities to measure and classify share-based payments to a customer, in accordance with the guidance in ASC 718, Compensation ‒ Stock Compensation. The amendments in that Update expanded the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees and, in doing so, superseded guidance in Subtopic 505-50, Equity ‒ Equity-Based Payments to Non-Employees. The amount that would be recorded as a reduction in revenue would be measured based on the grant date fair value of the share based payment, in accordance with Topic 718. The grant date is the date at which a supplier and customer reach a mutual understanding of the award’s key terms and conditions. The award’s classification and subsequent measurement would be subject to ASC 718 unless the award is modified or the grantee is no longer a customer. For entities that have not yet adopted the amendments in Update 2018-07, the amendments in this Update are effective for (1) public business entities in fiscal years beginning after December 15, 2019, and interim periods within those fiscal years, and (2) other than public business entities in fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. For entities that have adopted the amendments in Update 2018-07, the amendments in this Update are effective in fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. An entity may early adopt the amendments in this Update, but not before it adopts the amendments in Update 2018-07. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740) ​ In January 2020, the FASB issued ASU 2020-4, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting, March 2020, to provide temporary optional expedients and exceptions to the U.S. GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates, such as Secured Overnight Financing Rate. Entities can elect not to apply certain modification accounting requirements to contracts affected by what the guidance calls reference rate reform, if certain criteria are met. An entity that makes this election would not have to remeasure the contracts at the modification date or reassess a previous accounting determination. Also, entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met, and can make a one-time election to sell and/or reclassify held-to-maturity debt securities that reference an interest rate affected by reference rate reform. The amendments in this ASU are effective for all entities upon issuance through December 31, 2022. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations.

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Jun. 30, 2020
EARNINGS PER SHARE
Schedule of basic and diluted earnings per share	The calculated basic and diluted earnings per share are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, ​ ​ ​ 2020 ​ 2019 ​ ​ ​ (Dollars in Thousands Except Per Share Data) ​ ​ Basic Diluted Basic Diluted ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 3,620 ​ $ 3,620 ​ $ 2,630 ​ $ 2,630 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding ​ 8,233,640 ​ 8,233,640 ​ 8,775,210 ​ 8,775,210 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Effect of CSEs ​ — ​ 13,658 ​ — ​ 162,094 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Adjusted weighted average common shares used in earnings per share computation ​ 8,233,640 ​ 8,247,298 ​ 8,775,210 ​ 8,937,304 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings per share ​ $ 0.44 ​ $ 0.44 ​ $ 0.30 ​ $ 0.29 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, ​ ​ 2020 ​ 2019 ​ ​ (Dollars in Thousands, Except Share and Per Share Data) ​ Basic Diluted Basic Diluted ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 9,007 ​ $ 9,007 ​ $ 6,944 ​ $ 6,944 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average common shares outstanding ​ 8,669,322 ​ 8,669,322 ​ 8,785,618 ​ 8,785,618 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Effect of CSEs ​ — ​ 92,767 ​ — ​ 156,932 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Adjusted weighted average common shares used in earnings per share computation ​ 8,669,322 ​ 8,762,089 ​ 8,785,618 ​ 8,942,550 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings per share ​ $ 1.04 ​ $ 1.03 ​ $ 0.79 ​ $ 0.78

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	9 Months Ended
	Jun. 30, 2020
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
Schedule of changes in accumulated other comprehensive (loss) income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, ​ Three Months Ended June 30, ​ ​ ​ 2020 ​ 2020 ​ 2020 ​ 2019 ​ 2019 ​ 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ ​ ​ ​ accumulated ​ ​ ​ ​ ​ ​ ​ accumulated ​ ​ ​ Unrealized gain ​ Unrealized gain (loss) ​ other ​ Unrealized gain ​ Unrealized gain (loss) ​ other ​ ​ ​ (loss) on AFS ​ on interest rate swaps ​ comprehensive ​ (loss) on AFS ​ on interest rate swaps ​ comprehensive ​ ​ securities (a) (a) income (loss) securities (a) (a) income (loss) ​ Beginning balance, April 1 ​ $ 8,864 ​ $ (13,717) ​ $ (4,853) ​ $ (2,160) ​ $ (2,365) ​ $ (4,525) ​ Other comprehensive (loss) income before reclassification ​ 4,273 ​ (782) ​ 3,491 ​ 6,777 ​ (3,070) ​ 3,707 ​ Reclassification for net gains recorded in net income ​ ​ (2,616) ​ ​ — ​ ​ (2,616) ​ ​ (404) ​ ​ — ​ ​ (404) ​ Ending Balance, June 30 ​ $ 10,521 ​ $ (14,499) ​ $ (3,978) ​ $ 4,213 ​ $ (5,435) ​ $ (1,222) ​ (a) All amounts are net of tax. Amounts in parentheses indicate debits. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, ​ Nine Months Ended June 30, ​ ​ 2020 ​ 2020 ​ 2020 ​ 2019 ​ 2019 ​ 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ ​ ​ accumulated ​ ​ ​ ​ ​ ​ ​ accumulated ​ ​ Unrealized gain ​ Unrealized gain (loss) ​ other ​ Unrealized gain ​ Unrealized gain (loss) ​ other ​ ​ (loss) on AFS ​ on interest rate swaps ​ comprehensive ​ (loss) on AFS ​ on interest rate swaps ​ comprehensive ​ securities (a) (a) income (loss) securities (a) (a) income (loss) Beginning balance, October 1 ​ $ 8,098 ​ $ (6,906) ​ $ 1,192 ​ $ (8,320) ​ $ 166 ​ $ (8,154) Other comprehensive (loss) income before reclassification ​ 7,158 ​ (7,593) ​ (435) ​ 13,054 ​ (5,601) ​ 7,453 Reclassification from adoption of ASU 2016-01 ​ — ​ — ​ — ​ ​ (25) ​ — ​ (25) Reclassification for net gains recorded in net income ​ ​ (4,735) ​ ​ — ​ ​ (4,735) ​ ​ (496) ​ ​ — ​ ​ (496) Ending Balance, June 30 ​ $ 10,521 ​ $ (14,499) ​ $ (3,978) ​ $ 4,213 ​ $ (5,435) ​ $ (1,222) (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, 2020
INVESTMENT AND MORTGAGE-BACKED SECURITIES
Schedule of amortized cost and fair value of securities, with gross unrealized gains and losses	The amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 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 ​ $ 24,960 ​ $ 3 ​ $ (98) ​ $ 24,865 State and political subdivisions ​ ​ 47,909 ​ 484 ​ (747) ​ 47,646 Mortgage-backed securities - U.S. government agencies ​ 362,342 ​ ​ 8,836 ​ ​ (406) ​ ​ 370,772 Corporate debt securities ​ 67,360 ​ 2,217 ​ (38) ​ 69,539 Total debt securities ​ $ 502,571 ​ $ 11,540 ​ $ (1,289) ​ $ 512,822 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities Held to Maturity: ​ ​ ​ ​ U.S. government and agency obligations ​ $ 43,349 ​ $ 181 ​ $ (188) ​ $ 43,342 State and political subdivisions ​ 20,474 ​ 645 ​ — ​ 21,119 Mortgage-backed securities - U.S. government agencies ​ 4,812 ​ 238 ​ (4) ​ 5,046 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ 68,635 ​ $ 1,064 ​ $ (192) ​ $ 69,507 ​
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, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ State and political subdivisions ​ $ — ​ $ — ​ $ (1,534) ​ $ 20,448 ​ $ (1,534) ​ $ 20,448 Mortgage-backed securities -U.S. government agencies ​ — ​ — ​ (8) ​ 732 ​ (8) ​ 732 Corporate debt securities ​ (800) ​ 13,227 ​ — ​ — ​ (800) ​ 13,227 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ (800) ​ $ 13,227 ​ $ (1,542) ​ $ 21,180 ​ $ (2,342) ​ $ 34,407 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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, 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: ​ ​ ​ ​ ​ ​ ​ ​ US government and agency obligations ​ $ (3) ​ $ 6,997 ​ $ (95) ​ $ 3,866 ​ $ (98) ​ $ 10,863 State and political subdivisions ​ ​ (4) ​ 890 ​ (743) ​ ​ 23,784 ​ (747) ​ 24,674 Mortgage-backed securities - US government agencies ​ (86) ​ 50,057 ​ (320) ​ 37,056 ​ (406) ​ 87,113 Corporate debt securities ​ (13) ​ 1,989 ​ (25) ​ 3,014 ​ (38) ​ 5,003 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities available for sale ​ $ (106) ​ $ 59,933 ​ $ (1,183) ​ $ 67,720 ​ $ (1,289) ​ $ 127,653 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities Held to Maturity: ​ ​ ​ ​ ​ ​ U.S. government and agency obligations ​ $ (188) ​ $ 14,811 ​ $ — ​ $ — ​ $ (188) ​ $ 14,811 Mortgage-backed securities - US government agencies ​ (4) ​ 794 ​ — ​ — ​ (4) ​ 794 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total securities held to maturity ​ $ (192) ​ $ 15,605 ​ $ — ​ $ — ​ $ (192) ​ $ 15,605 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ (298) ​ $ 75,538 ​ $ (1,183) ​ $ 67,720 ​ $ (1,481) ​ $ 143,258
Schedule of amortized cost and fair value of debt securities by contractual maturity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2020 ​ ​ Held to Maturity ​ Available for Sale ​ Amortized Fair Amortized Fair ​ ​ Cost ​ Value ​ Cost ​ Value ​ ​ (Dollars in Thousands) Due after one through five years ​ $ — ​ $ — ​ $ 18,465 ​ $ 19,042 Due after five through ten years ​ 14,074 ​ 14,904 ​ 59,511 ​ 61,396 Due after ten years ​ 7,529 ​ 7,804 ​ 95,562 ​ 99,624 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 21,603 ​ $ 22,708 ​ $ 173,538 ​ $ 180,062

LOANS RECEIVABLE (Tables)

LOANS RECEIVABLE (Tables)	9 Months Ended
	Jun. 30, 2020
LOANS RECEIVABLE
Schedule of loans receivable	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, ​ September 30, ​ ​ 2020 2019 ​ ​ ​ (Dollars in Thousands) ​ One-to-four family residential ​ $ 229,966 ​ $ 268,780 ​ Multi-family residential ​ 32,865 ​ 30,582 ​ Commercial real estate ​ 140,236 ​ 128,521 ​ Construction and land development ​ 266,985 ​ 253,368 ​ Loans to financial institutions ​ 6,000 ​ 6,000 ​ Commercial business ​ 16,686 ​ 19,630 ​ Leases ​ 243 ​ 518 ​ Consumer ​ 686 ​ 834 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total loans ​ 693,667 ​ 708,233 ​ ​ ​ ​ ​ ​ ​ ​ ​ Undisbursed portion of loans-in-process ​ (101,141) ​ (114,528) ​ Deferred loan fees ​ (2,545) ​ (2,856) ​ Allowance for loan losses ​ (6,690) ​ (5,393) ​ ​ ​ ​ ​ ​ ​ ​ ​ Net loans ​ $ 583,291 ​ $ 585,456 ​
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, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to ​ ​ ​ ​ ​ ​ ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four- ​ Multi-family ​ Commercial ​ Construction and ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ family residential ​ residential ​ real estate ​ land development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — Collectively evaluated for impairment ​ ​ 1,376 ​ ​ 402 ​ ​ 1,647 ​ ​ 2,340 ​ ​ 207 ​ ​ 74 ​ ​ 3 ​ ​ 3 ​ ​ 638 ​ ​ 6,690 Total ending allowance balance ​ $ 1,376 ​ $ 402 ​ $ 1,647 ​ $ 2,340 ​ $ 207 ​ $ 74 ​ $ 3 ​ $ 3 ​ $ 638 ​ $ 6,690 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 3,528 ​ $ — ​ $ 1,417 ​ $ 8,650 ​ $ — ​ $ — ​ $ — ​ $ 49 ​ ​ ​ ​ $ 13,644 Collectively evaluated for impairment ​ 226,438 ​ 32,865 ​ 138,819 ​ 258,335 ​ 16,686 ​ 6,000 ​ 243 ​ 637 ​ ​ ​ ​ 680,023 Total loans ​ $ 229,966 ​ $ 32,865 ​ $ 140,236 ​ $ 266,985 ​ $ 16,686 ​ $ 6,000 ​ $ 243 ​ $ 686 ​ ​ ​ ​ $ 693,667 ​ 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, 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four- ​ Multi-family ​ Commercial ​ Construction and ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ family residential residential real estate land development business institutions ​ Leases Consumer ​ Unallocated Total ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — Collectively evaluated for impairment ​ ​ 1,002 ​ ​ 315 ​ ​ 1,257 ​ ​ 2,034 ​ ​ 206 ​ ​ 63 ​ ​ 5 ​ ​ 13 ​ ​ 498 ​ ​ 5,393 Total ending allowance balance ​ $ 1,002 ​ $ 315 ​ $ 1,257 ​ $ 2,034 ​ $ 206 ​ $ 63 ​ $ 5 ​ $ 13 ​ $ 498 ​ $ 5,393 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment ​ $ 4,827 ​ $ — ​ $ 1,965 ​ $ 8,750 ​ $ — ​ $ — ​ $ — ​ $ — ​ ​ ​ ​ $ 15,542 Collectively evaluated for impairment ​ 263,953 ​ 30,582 ​ 126,556 ​ 244,618 ​ 19,630 ​ 6,000 ​ 518 ​ 834 ​ ​ ​ ​ 692,691 Total loans ​ $ 268,780 ​ $ 30,582 ​ $ 128,521 ​ $ 253,368 ​ $ 19,630 ​ $ 6,000 ​ $ 518 ​ $ 834 ​ ​ ​ ​ $ 708,233
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 necessary	The following table presents impaired loans by class as of June 30, 2020, segregated by those for which a specific allowance was required and those for which no specific allowance was 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 ​ $ — ​ $ — ​ $ 3,528 ​ $ 3,528 ​ $ 3,839 Commercial real estate ​ — ​ — ​ 1,417 ​ 1,417 ​ 1,536 Construction and land development ​ — ​ — ​ 8,650 ​ 8,650 ​ 11,031 Consumer ​ — ​ — ​ 49 ​ 49 ​ 49 Total ​ $ — ​ $ — ​ $ 13,644 ​ $ 13,644 ​ $ 16,455 ​ The following table presents impaired loans by class as of September 30, 2019, segregated by those for which a specific allowance was required and those for which no specific allowance was 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 ​ $ — ​ $ — ​ $ 4,827 ​ $ 4,827 ​ $ 5,179 Commercial real estate ​ — ​ — ​ 1,965 ​ 1,965 ​ 2,125 Construction and land development ​ — ​ — ​ 8,750 ​ 8,750 ​ 11,131 Total ​ $ — ​ $ — ​ $ 15,542 ​ $ 15,542 ​ $ 18,435
Schedule of average investment in impaired loans and related interest income recognized	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2020 ​ ​ Average ​ ​ ​ ​ Income ​ ​ Recorded ​ Income Recognized ​ Recognized on ​ Investment on Accrual Basis Cash Basis ​ ​ (Dollars in Thousands) One-to-four family residential ​ $ 3,663 ​ $ 5 ​ $ 5 Multi-family residential ​ — ​ — ​ — Commercial real estate ​ 1,417 ​ — ​ — Construction and land development ​ 8,675 ​ — ​ — Consumer ​ 25 ​ — ​ — Total impaired loans ​ $ 13,780 ​ $ 5 ​ $ 5 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2019 ​ ​ Average ​ ​ ​ ​ Income ​ ​ Recorded ​ Income Recognized ​ Recognized on ​ Investment on Accrual Basis Cash Basis ​ ​ (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 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, 2020 ​ ​ Average ​ ​ ​ ​ Income ​ ​ Recorded ​ Income Recognized ​ Recognized on ​ Investment on Accrual Basis Cash Basis ​ ​ (Dollars in Thousands) One-to-four family residential ​ $ 4,018 ​ $ 8 ​ $ 22 Multi-family residential ​ 49 ​ — ​ — Commercial real estate ​ 1,534 ​ — ​ 1 Construction and land development ​ 8,708 ​ — ​ — Commercial business ​ 3 ​ — ​ 1 Consumer ​ 19 ​ — ​ — Total impaired loans ​ $ 14,331 ​ $ 8 ​ $ 24 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, 2019 ​ ​ Average ​ ​ ​ ​ Income ​ ​ Recorded ​ Income Recognized ​ Recognized on ​ Investment on Accrual Basis Cash Basis ​ ​ (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 ​
Schedule of classes of the loan portfolio in which a formal risk weighting system is utilized	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2020 ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ Total ​ Pass Mention Substandard Doubtful Loans ​ ​ (Dollars in Thousands) One-to-four residential ​ $ 225,007 ​ $ 1,431 ​ $ 3,528 ​ $ — ​ $ 229,966 Multi-family residential ​ 32,865 ​ — ​ — ​ — ​ 32,865 Commercial real estate ​ 137,727 ​ 1,092 ​ 1,417 ​ — ​ 140,236 Construction and land development ​ 258,335 ​ — ​ 8,650 ​ — ​ 266,985 Loans to financial institutions ​ 6,000 ​ — ​ — ​ — ​ 6,000 Commercial business ​ 16,686 ​ — ​ — ​ — ​ 16,686 Total ​ $ 676,620 ​ $ 2,523 ​ $ 13,595 ​ $ — ​ $ 692,738 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2019 ​ ​ Special ​ ​ ​ ​ ​ ​ Total ​ Pass Mention Substandard Doubtful Loans ​ ​ (Dollars in Thousands) One-to-four residential ​ $ 262,164 ​ $ 1,789 ​ $ 4,827 ​ $ — ​ $ 268,780 Multi-family residential ​ 30,582 ​ — ​ — ​ — ​ 30,582 Commercial real estate ​ 122,838 ​ 3,718 ​ 1,965 ​ — ​ 128,521 Construction and land development ​ 244,618 ​ — ​ 8,750 ​ — ​ 253,368 Loans to financial institutions ​ ​ 6,000 ​ — ​ — ​ — ​ 6,000 Commercial business ​ 19,630 ​ — ​ — ​ — ​ 19,630 Total ​ $ 685,832 ​ $ 5,507 ​ $ 15,542 ​ $ — ​ $ 706,881 ​
Schedule of 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	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2020 ​ ​ Non- Total ​ ​ Performing ​ Performing ​ Loans ​ ​ (Dollars in Thousands) One-to-four family residential ​ $ 226,858 ​ $ 3,108 ​ $ 229,966 Leases ​ 243 ​ — ​ 243 Consumer ​ 637 ​ 49 ​ 686 Total ​ $ 227,738 ​ $ 3,157 ​ $ 230,895 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2019 ​ ​ ​ Non- Total ​ ​ Performing ​ Performing ​ Loans ​ ​ (Dollars in Thousands) One-to-four family residential ​ $ 265,068 ​ $ 3,712 ​ $ 268,780 Leases ​ 518 ​ — ​ 518 Consumer ​ 834 ​ — ​ 834 Total ​ $ 266,420 ​ $ 3,712 ​ $ 270,132
Schedule of loan categories of the loan portfolio summarized by the aging categories of performing and delinquent loans and nonaccrual loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 $ 226,616 ​ $ 644 ​ $ 2,706 ​ $ 3,350 ​ $ 229,966 ​ $ 3,108 ​ $ — Multi-family residential ​ 32,865 ​ — ​ — ​ — ​ 32,865 ​ — ​ — Commercial real estate ​ 137,163 ​ 1,656 ​ 1,417 ​ 3,073 ​ 140,236 ​ 1,417 ​ — Construction and land development ​ 258,335 ​ — ​ 8,650 ​ 8,650 ​ 266,985 ​ 8,650 ​ — Commercial business ​ 16,686 ​ — ​ — ​ — ​ 16,686 ​ — ​ — Loans to financial institutions ​ 6,000 ​ — ​ — ​ — ​ 6,000 ​ — ​ — Leases ​ 243 ​ — ​ — ​ — ​ 243 ​ — ​ Consumer ​ 637 ​ — ​ 49 ​ 49 ​ 686 ​ 49 ​ — Total Loans ​ $ 678,545 ​ $ 2,300 ​ $ 12,822 ​ $ 15,122 ​ $ 693,667 ​ $ 13,224 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 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 ​ $ 264,784 ​ $ 750 ​ $ 3,246 ​ $ 3,996 ​ $ 268,780 ​ $ 3,712 ​ $ — Multi-family residential ​ 30,582 ​ — ​ — ​ — ​ 30,582 ​ — ​ — Commercial real estate ​ 127,104 ​ — ​ 1,417 ​ 1,417 ​ 128,521 ​ 1,473 ​ — Construction and land development ​ 244,618 ​ — ​ 8,750 ​ 8,750 ​ 253,368 ​ 8,750 ​ — Commercial business ​ 19,630 ​ — ​ — ​ — ​ 19,630 ​ — ​ — Loans to financial institutions ​ ​ 6,000 ​ — ​ — ​ — ​ 6,000 ​ — ​ — Leases ​ 518 ​ — ​ — ​ — ​ 518 ​ — ​ Consumer ​ 739 ​ 95 ​ — ​ 95 ​ 834 ​ — ​ — Total Loans ​ $ 693,975 ​ $ 845 ​ $ 13,413 ​ $ 14,258 ​ $ 708,233 ​ $ 13,935 ​ $ — ​
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.	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, 2020 and 2019: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2020 ​ One- to Multi- ​ ​ Construction ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four-family ​ family ​ Commercial ​ and land ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ residential ​ residential ​ real estate ​ development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (In Thousands) ALLL balance at March 31, 2020 ​ $ 1,301 ​ $ 295 ​ $ 1,365 ​ $ 2,090 ​ $ 257 ​ $ 70 ​ $ 4 ​ $ 3 ​ $ 576 ​ $ 5,961 Charge-offs ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (22) ​ ​ — ​ ​ (22) Recoveries ​ ​ 1 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1 Provision ​ ​ 74 ​ ​ 107 ​ ​ 282 ​ ​ 250 ​ ​ (50) ​ ​ 4 ​ ​ (1) ​ ​ 22 ​ ​ 62 ​ ​ 750 ALLL balance at June 30, 2020 ​ $ 1,376 ​ $ 402 ​ $ 1,647 ​ $ 2,340 ​ $ 207 ​ $ 74 ​ $ 3 ​ $ 3 ​ $ 638 ​ $ 6,690 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, 2020 ​ One- to Multi- ​ ​ Construction ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four-family ​ family ​ Commercial ​ and land ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ residential ​ residential ​ real estate ​ development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (In Thousands) ALLL balance at September 30, 2019 ​ $ 1,002 ​ $ 315 ​ $ 1,257 ​ $ 2,034 ​ $ 206 ​ $ 63 ​ $ 5 ​ $ 13 ​ $ 498 ​ $ 5,393 Charge-offs ​ ​ (3) ​ ​ — ​ ​ — ​ ​ — ​ ​ (15) ​ ​ — ​ ​ — ​ ​ (77) ​ ​ — ​ ​ (95) Recoveries ​ ​ 2 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9 ​ ​ 6 ​ ​ — ​ ​ 17 Provision ​ ​ 375 ​ ​ 87 ​ ​ 390 ​ ​ 306 ​ ​ 16 ​ ​ 11 ​ ​ (11) ​ ​ 61 ​ ​ 140 ​ ​ 1,375 ALLL balance at June 30, 2020 ​ $ 1,376 ​ $ 402 ​ $ 1,647 ​ $ 2,340 ​ $ 207 ​ $ 74 ​ $ 3 ​ $ 3 ​ $ 638 ​ $ 6,690 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2019 ​ One- to Multi- ​ ​ Construction ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four-family ​ family ​ Commercial ​ and land ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ residential ​ residential ​ real estate ​ development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (In Thousands) ​ ​ ​ ALLL balance at March 31, 2019 ​ $ 1,314 ​ $ 385 ​ $ 1,342 ​ $ 1,370 ​ $ 235 ​ $ 68 ​ $ 13 ​ $ 20 ​ $ 480 ​ $ 5,227 Charge-offs ​ ​ - ​ ​ - ​ ​ - ​ ​ - ​ ​ - ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Recoveries ​ ​ 103 ​ ​ - ​ ​ - ​ ​ - ​ ​ - ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 103 Provision ​ ​ (387) ​ ​ (65) ​ ​ (56) ​ ​ 537 ​ ​ (28) ​ ​ (5) ​ ​ (4) ​ ​ (14) ​ ​ 22 ​ ​ — ALLL balance at June 30, 2019 ​ $ 1,030 ​ $ 320 ​ $ 1,286 ​ $ 1,907 ​ $ 207 ​ $ 63 ​ $ 9 ​ $ 6 ​ $ 502 ​ $ 5,330 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended June 30, 2019 ​ One- to Multi- ​ ​ Construction ​ ​ Loans to ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ four-family ​ family ​ Commercial ​ and land ​ Commercial ​ financial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ residential ​ residential ​ real estate ​ development ​ business ​ institutions ​ Leases ​ Consumer ​ Unallocated ​ Total ​ ​ (In Thousands) ​ ​ ​ ALLL balance at September 30, 2018 ​ $ 1,343 ​ $ 347 ​ $ 1,154 ​ $ 1,554 ​ $ 187 ​ $ 64 ​ $ 18 ​ $ 18 ​ $ 482 ​ $ 5,167 Charge-offs ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — Recoveries ​ ​ 163 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 163 Provision ​ ​ (476) ​ ​ (27) ​ ​ 132 ​ ​ 353 ​ ​ 20 ​ ​ (1) ​ ​ (9) ​ ​ (12) ​ ​ 20 ​ ​ — ALLL balance at June 30, 2019 ​ $ 1,030 ​ $ 320 ​ $ 1,286 ​ $ 1,907 ​ $ 207 ​ $ 63 ​ $ 9 ​ $ 6 ​ $ 502 ​ $ 5,330

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Jun. 30, 2020
DEPOSITS
Schedule of major classifications of deposits	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, ​ September 30, ​ ​ ​ 2020 ​ 2019 ​ ​ Amount Percent Amount Percent ​ ​ ​ (Dollars in Thousands) ​ Non-interest-bearing checking accounts ​ $ 28,174 3.9 % $ 16,949 2.2 % ​ Interest-bearing checking accounts ​ 67,033 9.2 % 58,647 7.9 % ​ Money market deposit accounts ​ 210,447 28.9 % 75,766 10.2 % ​ Passbook, club and statement savings ​ 83,207 11.5 % 80,899 10.9 % ​ Certificates maturing in six months or less ​ 173,387 23.8 % 294,343 39.5 % ​ Certificates maturing in more than six months ​ 164,901 22.7 % 218,840 29.3 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 727,149 100.0 % $ 745,444 100.0 % ​

ADVANCES FROM FEDERAL HOME LO_3

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Tables)	9 Months Ended
	Jun. 30, 2020
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM
Schedule of short-term borrowings from the FHLB of Pittsburgh	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, September 30, ​ (Dollar Amounts in Thousands) 2020 2019 ​ Balance at period-end ​ $ 25,000 ​ $ 90,000 ​ ​ Weight-average rate at period-end ​ 0.48 % 2.32 % ​ ​

ADVANCES FROM FEDERAL HOME LO_4

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Tables)	9 Months Ended
	Jun. 30, 2020
ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM
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 2020 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in Thousands) Fixed Rate - Amortizing 1 ‑ Oct ‑ 19 30 ‑ Sep ‑ 20 ​ 1.53 % 1.53 % 1.53 % $ — ​ $ 236 Fixed Rate - Amortizing 1 ‑ Oct ‑ 20 30 ‑ Sep ‑ 21 ​ 2.73 % 1.94 % 2.83 % 7,495 ​ 14,354 Fixed Rate - Amortizing 1 ‑ Oct ‑ 21 30 ‑ Sep ‑ 22 ​ 2.83 % 1.99 % 3.05 % 6,333 ​ 8,729 Fixed Rate - Amortizing 1 ‑ Oct ‑ 22 30 ‑ Sep ‑ 23 ​ 2.89 % 1.94 % 3.11 % 5,686 ​ 6,931 Total ​ 2.81 % ​ $ 19,514 ​ $ 30,250 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fixed Rate - Advances 1 ‑ Oct ‑ 19 30 ‑ Sep ‑ 20 ​ 2.87 % 1.38 % 3.06 % $ 2,252 ​ $ 12,304 Fixed Rate - Advances 1 ‑ Oct ‑ 20 30 ‑ Sep ‑ 21 ​ 2.37 % 1.42 % 2.92 % 18,002 ​ 18,017 Fixed Rate - Advances 1 ‑ Oct ‑ 21 30 ‑ Sep ‑ 22 ​ 2.31 % 1.94 % 3.23 % 63,304 ​ 63,336 Fixed Rate - Advances 1 ‑ Oct ‑ 22 30 ‑ Sep ‑ 23 ​ 2.52 % 2.00 % 3.15 % 94,999 ​ 94,999 Fixed Rate - Advances 1 ‑ Oct ‑ 23 30 ‑ Sep ‑ 24 ​ 2.88 % 2.38 % 3.20 % 67,998 ​ 67,998 Total ​ 2.56 % ​ $ 246,555 ​ $ 256,654 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2.58 % ​ Total ​ $ 266,069 ​ $ 286,904

DERIVATIVES (Tables)

DERIVATIVES (Tables)	9 Months Ended
	Jun. 30, 2020
DERIVATIVES
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, 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2020 Hedged ​ Notional ​ Pay Rate ​ Receive ​ Maturity Date ​ Unrealized Item Amount from to Rate from to ​ Loss (Dollars in thousands) FHLB advance ​ $ 10,000 2.70 % 2.70 % 1 Mth Libor ​ 10-Apr-25 ​ 10-Apr-25 ​ $ (1,207) State and political subdivisions ​ 21,570 3.06 % 3.07 % 3 Mth Libor ​ 1-Feb-27 ​ 1-May-28 ​ (4,000) Commercial loans ​ 23,656 4.10 % 5.74 % 1 Mth Libor +225 to 276 bp ​ 13-Jun-25 ​ 1-Aug-26 ​ (2,709) 30 day wholesale funding ​ ​ 80,000 ​ 1.36 % 2.51 % 1 Mth Libor ​ 15-Feb-24 ​ 12-Jun-26 ​ ​ (5,334) 90 day wholesale funding ​ ​ 135,000 ​ 2.51 % 2.78 % 3 Mth Libor ​ 11-Jan-24 ​ 27-Mar-24 ​ ​ (11,813) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ (25,063) ​ Below is a summary of the interest rate swap agreements and their terms as of September 30, 2019. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2019 Hedged ​ Notional ​ Pay Rate ​ Receive ​ Maturity Date ​ Unrealized Item Amount from to Rate from to Loss (Dollars in t housands) FHLB advance ​ $ 10,000 2.70 % 2.70 % 1 Mth Libor ​ 10-Apr-25 ​ 10-Apr-25 ​ $ (719) State and political subdivisions ​ ​ 21,570 ​ 3.06 % 3.07 % 3 Mth Libor ​ 1-Feb-27 ​ 1-May-28 ​ ​ (2,502) Commercial loans ​ 17,229 4.10 % 5.74 % 1 Mth Libor +250 to 276 bp ​ 13-Jun-25 ​ 1-Aug-26 ​ ​ — 30 day wholesale funding ​ ​ 65,000 ​ 1.94 % 2.51 % 1 Mth Libor ​ 15-Feb-24 ​ 12-Jun-26 ​ ​ (1,415) 90 day wholesale funding ​ ​ 135,000 ​ 2.51 % 2.78 % 3 Mth Libor ​ 11-Jan-24 ​ 27-Mar-24 ​ ​ (6,605) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ (11,241)

INCOME TAXES (Tables)

INCOME TAXES (Tables)	9 Months Ended
	Jun. 30, 2020
INCOME TAXES
Schedule of deferred income taxes	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, ​ September 30, ​ ​ 2020 2019 ​ ​ ​ (Dollars in Thousands) ​ Deferred tax assets: ​ ​ ​ Allowance for loan losses ​ $ 1,736 ​ $ 1,488 ​ Nonaccrual interest ​ 565 ​ 487 ​ Accrued vacation ​ 7 ​ 7 ​ Capital loss carryforward ​ — ​ 121 ​ Split dollar life insurance ​ 9 ​ 9 ​ Post-retirement benefits ​ 73 ​ 76 ​ Realized loss on equity securities ​ 8 ​ — ​ Unrealized losses on interest rate swaps ​ ​ 3,854 ​ ​ 1,836 ​ Deferred compensation ​ 788 ​ 809 ​ Goodwill ​ 61 ​ 69 ​ Other ​ 61 ​ 64 ​ Employee benefit plans ​ 307 ​ 216 ​ Total deferred tax assets ​ 7,469 ​ 5,182 ​ Valuation allowance ​ — ​ (121) ​ Total deferred tax assets, net of valuation allowance ​ 7,469 ​ 5,061 ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ ​ Property ​ 134 ​ 141 ​ Realized gain on equity securities ​ ​ — ​ ​ 19 ​ Unrealized gains on available for sale securities ​ ​ 2,797 ​ ​ 2,153 ​ Purchase accounting adjustments ​ 299 ​ 215 ​ Deferred loan fees ​ 112 ​ 175 ​ Total deferred tax liabilities ​ 3,342 ​ 2,703 ​ Net deferred tax assets ​ $ 4,127 ​ $ 2,358 ​

STOCK COMPENSATION PLANS (Table

STOCK COMPENSATION PLANS (Tables)	9 Months Ended
	Jun. 30, 2020
EMPLOYEE BENEFITS
Schedule of summary of the non-vested stock award activity	​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended ​ ​ June 30, 2020 ​ ​ Number of ​ Weighted Average ​ Shares Grant Date Fair Value Non-vested stock awards at October 1, 2019 68,980 ​ $ 15.05 Granted — ​ — Forfeited — ​ — Vested (42,024) ​ 13.44 Non-vested stock awards at June 30, 2020 26,956 ​ $ 17.56 ​
Schedule of summary of the status of the company' stock options under the stock option plan	​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended ​ ​ June 30, 2020 ​ Number of Weighted Average ​ ​ Shares ​ Exercise Price Options outstanding at October 1, 2019 793,034 ​ $ 13.86 Granted — ​ — Exercised (13,345) ​ 10.09 Forfeited — ​ — Outstanding at June 30, 2020 779,689 ​ $ 13.93 Exercisable at the June 30, 2020 603,356 ​ $ 12.72 ​

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	9 Months Ended
	Jun. 30, 2020
FAIR VALUE MEASUREMENT
Schedule of assets and liabilities measured at fair value on recurring basis	Those assets and liabilities as of June 30, 2020 which are measured at fair value on a recurring basis are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Category Used for Fair Value Measurement ​ Level 1 Level 2 Level 3 Total ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets: ​ ​ ​ ​ ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ U.S. Government and agency obligations ​ $ — ​ $ 32,426 ​ $ — ​ $ 32,426 State and political subdivisions ​ — ​ 68,491 ​ — ​ 68,491 Mortgage-backed securities - U.S. Government agencies ​ — ​ 261,341 ​ — ​ 261,341 Corporate bonds ​ — ​ 79,145 ​ — ​ 79,145 Equity security - FHLMC preferred stock ​ 58 ​ — ​ — ​ 58 Total ​ $ 58 ​ $ 441,403 ​ $ — ​ $ 441,461 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate swap contracts ​ $ — ​ $ 25,063 ​ $ — ​ $ 25,063 Total ​ $ — ​ $ 25,063 ​ $ — ​ $ 25,063 ​ Those assets and liabilities as of September 30, 2019 which are measured at fair value on a recurring basis are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Category Used for Fair Value Measurement ​ Level 1 Level 2 Level 3 Total ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets: ​ ​ ​ ​ ​ ​ ​ ​ Securities available for sale: ​ ​ ​ ​ ​ ​ ​ ​ U.S. Government and agency obligations ​ $ — ​ $ 24,865 ​ $ — ​ $ 24,865 State and political subdivisions ​ ​ — ​ 47,646 ​ — ​ 47,646 Mortgage-backed securities - U.S. Government agencies ​ — ​ 370,772 ​ — ​ 370,772 Corporate bonds ​ — ​ 69,539 ​ — ​ 69,539 Equity security - FHLMC preferred stock ​ 95 ​ — ​ — ​ 95 Total ​ $ 95 ​ $ 512,822 ​ $ — ​ $ 512,917 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate swap contracts ​ $ — ​ $ 11,241 ​ $ — ​ $ 11,241 Total ​ $ — ​ $ 11,241 ​ $ — ​ $ 11,241 ​
Schedule of summary of non-recurring fair value measurements	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30, 2020 ​ ​ (Dollars in Thousands) ​ Level 1 Level 2 Level 3 Total Impaired loans ​ $ — ​ $ — ​ $ 13,644 ​ $ 13,644 Other real estate owned ​ — ​ — ​ 406 ​ 406 Total ​ $ — ​ $ — ​ $ 14,050 ​ $ 14,050 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2019 ​ ​ (Dollars in Thousands) ​ Level 1 Level 2 Level 3 Total Impaired loans ​ $ — ​ $ — ​ $ 15,542 ​ $ 15,542 Other real estate owned ​ — ​ — ​ 348 ​ 348 Total ​ $ — ​ $ — ​ $ 15,890 ​ $ 15,890
Schedule of nonrecurring fair value measurements categorized within level 3 of the fair value hierarchy	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At June 30, 2020 ​ ​ ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ Valuation ​ ​ ​ Range/ ​ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans ​ $ 13,644 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 9% discount / 7% Other real estate owned ​ $ 406 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 22% discount ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At September 30, 2019 ​ ​ ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ ​ Valuation ​ ​ ​ Range/ ​ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans ​ $ 15,542 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 9% discount / 7% Other real estate owned ​ $ 348 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 22% 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 ​ ​ Carrying ​ Fair ​ June 30, 2020 ​ Amount Value (Level 1) (Level 2) (Level 3) ​ ​ (Dollars in Thousands) ​ ​ ​ Assets: ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 60,020 ​ $ 60,020 ​ $ 60,020 ​ $ — ​ $ — Certificates of deposit ​ ​ 2,351 ​ ​ 2,351 ​ ​ 2,351 ​ ​ — ​ ​ — Investment and mortgage-backed securities available for sale ​ ​ 441,403 ​ ​ 441,403 ​ ​ — ​ ​ 441,403 ​ ​ — Equity securities ​ ​ 58 ​ ​ 58 ​ ​ 58 ​ ​ — ​ ​ — Investment and mortgage-backed securities held to maturity ​ ​ 25,652 ​ ​ 27,071 ​ ​ — ​ ​ 27,071 ​ ​ — Loans held for sale ​ ​ 1,070 ​ ​ 1,070 ​ ​ 1,070 ​ ​ — ​ ​ — Loans receivable, net ​ ​ 583,291 ​ ​ 587,337 ​ ​ — ​ ​ — ​ ​ 587,337 Accrued interest receivable ​ ​ 5,134 ​ ​ 5,134 ​ ​ 5,134 ​ ​ — ​ ​ — Restricted bank stock ​ ​ 12,982 ​ ​ 12,982 ​ ​ 12,982 ​ ​ — ​ ​ — Bank owned life insurance ​ ​ 32,333 ​ ​ 32,333 ​ ​ 32,333 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Checking accounts ​ ​ 95,207 ​ ​ 95,207 ​ ​ 95,207 ​ ​ — ​ ​ — Money market deposit accounts ​ ​ 210,447 ​ ​ 210,447 ​ ​ 210,447 ​ ​ — ​ ​ — Passbook, club and statement savings accounts ​ ​ 83,207 ​ ​ 83,207 ​ ​ 83,207 ​ ​ — ​ ​ — Certificates of deposit ​ ​ 338,288 ​ ​ 349,810 ​ ​ — ​ ​ — ​ ​ 349,810 Advances from FHLB -short-term ​ ​ 25,000 ​ ​ 25,000 ​ ​ 25,000 ​ ​ — ​ ​ — Advances from FHLB -long-term ​ ​ 266,069 ​ ​ 280,418 ​ ​ — ​ ​ — ​ ​ 280,418 Accrued interest payable ​ ​ 3,014 ​ ​ 3,014 ​ ​ 3,014 ​ ​ — ​ ​ — Advances from borrowers for taxes and insurance ​ ​ 3,259 ​ ​ 3,259 ​ ​ 3,259 ​ ​ — ​ ​ — Interest rate swap contracts ​ ​ 25,063 ​ ​ 25,063 ​ ​ — ​ ​ 25,063 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements at ​ ​ Carrying ​ Fair ​ September 30, 2019 ​ Amount Value (Level 1) (Level 2) (Level 3) ​ ​ (Dollars in Thousands) ​ ​ ​ Assets: ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 47,968 ​ $ 47,968 ​ $ 47,968 ​ $ — ​ $ — Certificates of deposit ​ ​ 2,351 ​ ​ 2,351 ​ ​ 2,351 ​ ​ — ​ ​ — Investment and mortgage-backed securities available for sale ​ ​ 512,822 ​ ​ 512,822 ​ ​ — ​ ​ 512,822 ​ ​ — Equity securities ​ ​ 95 ​ ​ 95 ​ ​ 95 ​ ​ ​ ​ ​ ​ Investment and mortgage-backed securities held to maturity ​ ​ 68,635 ​ ​ 69,507 ​ ​ — ​ ​ 69,507 ​ ​ — Loans receivable, net ​ ​ 585,456 ​ ​ 585,476 ​ ​ — ​ ​ — ​ ​ 585,476 Accrued interest receivable ​ ​ 4,549 ​ ​ 4,549 ​ ​ 4,549 ​ ​ — ​ ​ — Restricted bank stock ​ ​ 16,406 ​ ​ 16,406 ​ ​ 16,406 ​ ​ — ​ ​ — Bank owned life insurance ​ ​ 31,841 ​ ​ 31,841 ​ ​ 31,841 ​ ​ — ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Checking accounts ​ ​ 75,596 ​ ​ 75,596 ​ ​ 75,596 ​ ​ — ​ ​ — Money market deposit accounts ​ ​ 75,766 ​ ​ 75,766 ​ ​ 75,766 ​ ​ — ​ ​ — Passbook, club and statement savings accounts ​ ​ 80,899 ​ ​ 80,899 ​ ​ 80,899 ​ ​ — ​ ​ — Certificates of deposit ​ ​ 513,183 ​ ​ 529,099 ​ ​ — ​ ​ — ​ ​ 529,099 Accrued interest payable ​ ​ 4,328 ​ ​ 4,328 ​ ​ 4,328 ​ ​ — ​ ​ — Advances from FHLB -short-term ​ ​ 90,000 ​ ​ 90,000 ​ ​ 90,000 ​ ​ ​ ​ ​ — Advances from FHLB -long-term ​ ​ 286,904 ​ ​ 293,839 ​ ​ — ​ ​ — ​ ​ 293,839 Advances from borrowers for taxes and insurance ​ ​ 2,332 ​ ​ 2,332 ​ ​ 2,332 ​ ​ — ​ ​ — Interest rate swap contracts ​ ​ 11,241 ​ ​ 11,241 ​ ​ — ​ ​ 11,241 ​ ​ —

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	9 Months Ended
	Jun. 30, 2020
GOODWILL AND OTHER INTANGIBLE ASSETS
Schedule of goodwill and intangible assets are related to the acquisition of Polonia Bancorp	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance ​ ​ ​ ​ ​ ​ ​ Balance ​ ​ ​ ​ October 1, ​ Additions/ ​ ​ ​ ​ June 30, ​ Amortization ​ 2019 Adjustments Amortization 2020 Period ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in Thousands) ​ ​ Goodwill ​ $ 6,102 ​ $ — ​ $ — ​ $ 6,102 Core deposit intangible ​ 448 ​ — ​ (82) ​ 366 10 years ​ ​ $ 6,550 ​ $ — ​ $ (82) ​ $ 6,468
Schedule of future fiscal periods amortization expense for core deposit intangible	​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ ​ ​ ​ 2020 ​ $ 26 2021 ​ 93 2022 ​ 78 2023 ​ 64 2024 ​ 49 Thereafter ​ 56 ​ ​ $ 366

LEASES (Tables)

LEASES (Tables)	9 Months Ended
	Jun. 30, 2020
LEASES
Schedule of information related to operating leases	The following table summarizes other information related to our operating leases: ​ ​ ​ ​ ​ June 30, 2020 ​ ​ Weighted-average remaining lease term - operating leases in years 6.50 ​ Weighted-average discount rate - operating leases 2.0 %
Schedule of aggregate lease maturities and obligations	The following table presents aggregate lease maturities and obligations as of June 30, 2020: ​ ​ ​ ​ ​ (Dollars in Thousands) ​ ​ ​ ​ ​ ​ 2020 ​ $ 52 2021 ​ 210 2022 ​ 213 2023 ​ 216 2024 ​ 220 2025 and thereafter ​ ​ 647 Total lease payments ​ ​ 1,558 Less: interest ​ 110 Present value of lease liabilities ​ $ 1,448

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	9 Months Ended
	Jun. 30, 2020USD ($)item	Sep. 30, 2019USD ($)
Significant Accounting Policies [Line Items]
Number of full service branch offices | item	9
Number of banking offices | item	10
Operating right-of-use assets	$ 1,300,000
Operating lease liabilities	1,448,000
Retained earnings	52,911,000	$ 49,625,000
ASU 2016-02, Leases (Topic 842)
Significant Accounting Policies [Line Items]
Operating right-of-use assets	1,500,000
Operating lease liabilities	1,600,000
Retained earnings	$ 75,000
Philadelphia (Philadelphia County)
Significant Accounting Policies [Line Items]
Number of full service branch offices | item	8
PENNSYLVANIA
Significant Accounting Policies [Line Items]
Number of full service branch offices | item	1
Huntingdon Valley, Montgomery County
Significant Accounting Policies [Line Items]
Number of full service branch offices | item	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, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Earnings per share - basic
Net income	$ 3,620	$ 2,630	$ 9,007	$ 6,944
Weighted average common shares outstanding - basic	8,233,640	8,775,210	8,669,322	8,785,618
Effect of CSEs - basic	0	0	0	0
Adjusted weighted average common shares used in earnings per share computation - basic	8,233,640	8,775,210	8,669,322	8,785,618
Earnings (loss) per share - basic (in dollars per share)	$ 0.44	$ 0.30	$ 1.04	$ 0.79
Earnings per share - diluted
Net income	$ 3,620	$ 2,630	$ 9,007	$ 6,944
Weighted average shares outstanding - diluted	8,233,640	8,775,210	8,669,322	8,785,618
Effect of CSEs - diluted	13,658	162,094	92,767	156,932
Adjusted weighted average shares used in earnings per share computation - diluted	8,247,298	8,937,304	8,762,089	8,942,550
Earnings (loss) per share - diluted (in dollars per share)	$ 0.44	$ 0.29	$ 1.03	$ 0.78

EARNINGS PER SHARE - Additional

EARNINGS PER SHARE - Additional Information (Details) - shares	Jun. 30, 2020	Jun. 30, 2019
EARNINGS PER SHARE
Adjusted weighted average shares of common stock used in diluted earnings per share computation	514,659	550,832
Adjusted weighted average shares of common stock having exercise prices less than the current market value and are considered anti-dilutive	265,030	202,500

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (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, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance			$ 1,192
Total other comprehensive income (loss)	$ 875	$ 3,303	(5,170)	$ 6,957
Ending Balance	(3,978)		(3,978)
Total accumulated other comprehensive income (loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	(4,853)	(4,525)	1,192	(8,154)
Other comprehensive (loss) income before reclassification	3,491	3,707	(435)	7,453
Reclassification for net gains recorded in net income	(2,616)	(404)	(4,735)	(496)
Ending Balance	(3,978)	(1,222)	(3,978)	(1,222)
Total accumulated other comprehensive income (loss) | Reclassification from adoption of ASU 2016-01
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Reclassification for net gains recorded in net income			0	(25)
Unrealized gain (loss) on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	8,864		8,098
Other comprehensive (loss) income before reclassification	4,273		7,158
Reclassification for net gains recorded in net income	(2,616)		(4,735)
Ending Balance	10,521		10,521
Unrealized gain (loss) on AFS securities | Reclassification from adoption of ASU 2016-01
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Reclassification for net gains recorded in net income			0
Unrealized gain (loss) on interest rate swaps
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	(13,717)		(6,906)	166
Other comprehensive (loss) income before reclassification	(782)		(7,593)	(5,601)
Reclassification for net gains recorded in net income	0		0	0
Ending Balance	$ (14,499)	(5,435)	(14,499)	(5,435)
Unrealized gain (loss) on interest rate swaps | Reclassification from adoption of ASU 2016-01
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Reclassification for net gains recorded in net income			$ 0	0
Unrealized gains on available for sale securities and interest rate swaps
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance		(2,365)
Other comprehensive (loss) income before reclassification		(3,070)
Reclassification for net gains recorded in net income		0
Ending Balance		(5,435)		(5,435)
Unrealized gain (loss) on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance		(2,160)		(8,320)
Other comprehensive (loss) income before reclassification		6,777		13,054
Reclassification for net gains recorded in net income		(404)		(496)
Ending Balance		$ 4,213		4,213
Unrealized gain (loss) on AFS securities | Reclassification from adoption of ASU 2016-01
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Reclassification for net gains recorded in net income				$ (25)

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, 2020	Sep. 30, 2019
Securities Available for Sale:
Amortized Cost	$ 424,085
Gross Unrealized Gains	19,660
Gross Unrealized Losses	(2,342)
Fair Value	441,403	$ 512,822
Equity securities	58	95
U.S. Government and agency obligations
Securities Available for Sale:
Amortized Cost	32,293	24,960
Gross Unrealized Gains	133	3
Gross Unrealized Losses	0	(98)
Fair Value	32,426	24,865
State and political subdivisions
Securities Available for Sale:
Amortized Cost	64,454	47,909
Gross Unrealized Gains	5,571	484
Gross Unrealized Losses	(1,534)	(747)
Fair Value	68,491	47,646
Mortgage-backed securities - US government agencies
Securities Available for Sale:
Amortized Cost	250,547	362,342
Gross Unrealized Gains	10,802	8,836
Gross Unrealized Losses	(8)	(406)
Fair Value	261,341	370,772
Corporate debt securities
Securities Available for Sale:
Amortized Cost	76,791	67,360
Gross Unrealized Gains	3,154	2,217
Gross Unrealized Losses	(800)	(38)
Fair Value	$ 79,145	69,539
Total debt securities available for sale
Securities Available for Sale:
Amortized Cost		502,571
Gross Unrealized Gains		11,540
Gross Unrealized Losses		(1,289)
Fair Value		$ 512,822

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) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
Securities Held to Maturity:
Amortized Cost	$ 25,652	$ 68,635
Gross Unrealized Gains	1,419	1,064
Gross unrealized losses	0	(192)
Fair value	27,071	69,507
U.S. Government and agency obligations
Securities Held to Maturity:
Amortized Cost	3,500	43,349
Gross Unrealized Gains	247	181
Gross unrealized losses	0	(188)
Fair value	3,747	43,342
Mortgage-backed securities - US government agencies
Securities Held to Maturity:
Amortized Cost	4,049	4,812
Gross Unrealized Gains	314	238
Gross unrealized losses	0	(4)
Fair value	4,363	5,046
State and political subdivisions
Securities Held to Maturity:
Amortized Cost	18,103	20,474
Gross Unrealized Gains	858	645
Gross unrealized losses	0
Fair value	$ 18,961	$ 21,119

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) - USD ($)	Jun. 30, 2020	Sep. 30, 2019
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	$ (800,000)	$ (106,000)
Less than 12 months - Fair value	13,227,000	59,933,000
More than 12 months - Gross Unrealized Losses	(1,542,000)	(1,183,000)
More than 12 months - Fair value	21,180,000	67,720,000
Gross Unrealized Losses - Total	(2,342,000)	(1,289,000)
Fair Value - Total	34,407,000	127,653,000
U.S. Government and agency obligations
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses		(3,000)
Less than 12 months - Fair value		6,997,000
More than 12 months - Gross Unrealized Losses		(95,000)
More than 12 months - Fair value		3,866,000
Gross Unrealized Losses - Total		(98,000)
Fair Value - Total		10,863,000
Mortgage-backed securities - US government agencies
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses		(86,000)
Less than 12 months - Fair value		50,057,000
More than 12 months - Gross Unrealized Losses	(8,000)	(320,000)
More than 12 months - Fair value	732,000	37,056,000
Gross Unrealized Losses - Total	(8,000)	(406,000)
Fair Value - Total	732,000	87,113,000
State and political subdivisions
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses		(4,000)
Less than 12 months - Fair value		890,000
More than 12 months - Gross Unrealized Losses	(1,534,000)	(743,000)
More than 12 months - Fair value	20,448,000	23,784,000
Gross Unrealized Losses - Total	(1,534,000)	(747,000)
Fair Value - Total	20,448,000	24,674,000
Corporate debt securities
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(800,000)	(13,000)
Less than 12 months - Fair value	13,227,000	1,989,000
More than 12 months - Gross Unrealized Losses		(25,000)
More than 12 months - Fair value		3,014,000
Gross Unrealized Losses - Total	(800,000)	(38,000)
Fair Value - Total	$ 13,227,000	$ 5,003,000

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)	Sep. 30, 2019USD ($)
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	$ (192,000)
Less than 12 Months, Fair Value	15,605,000
Total - Gross Unrealized Losses	(192,000)
Total - Fair Value	15,605,000
U.S. Government and agency obligations
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	(188,000)
Less than 12 Months, Fair Value	14,811,000
Total - Gross Unrealized Losses	(188,000)
Total - Fair Value	14,811,000
Mortgage-backed securities - US government agencies
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	(4,000)
Less than 12 Months, Fair Value	794,000
Total - Gross Unrealized Losses	(4,000)
Total - Fair Value	$ 794,000

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)	Sep. 30, 2019USD ($)
INVESTMENT AND MORTGAGE-BACKED SECURITIES
Less than 12 months - Gross Unrealized Losses	$ (298,000)
Fair Value, Less than 12 Months	75,538,000
More than 12 months - Gross Unrealized Losses	(1,183,000)
Fair Value, 12 Months or More	67,720,000
Gross Unrealized Losses -Total	(1,481,000)
Fair Value - Total	$ 143,258,000

INVESTMENT AND MORTGAGE-BACKE_8

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details) $ in Thousands	Jun. 30, 2020USD ($)
Available for Sale, Amortized Cost
Due after one through five years	$ 18,465
Due after five through ten years	59,511
Due after ten years	95,562
Total	173,538
Available for Sale, Fair Value
Due after one through five years	19,042
Due after five through ten years	61,396
Due after ten years	99,624
Total	$ 180,062

INVESTMENT AND MORTGAGE-BACKE_9

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details) $ in Thousands	Jun. 30, 2020USD ($)
Held to Maturity - Amortized Cost
Due after five through ten years	$ 14,074
Due after ten years	7,529
Total	21,603
Held to Maturity - Fair Value
Due after five through ten years	14,904
Due after ten years	7,804
Total	$ 22,708

INVESTMENT AND MORTGAGE-BACK_10

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Additional Information (Details)	3 Months Ended		9 Months Ended
	Jun. 30, 2020USD ($)security	Jun. 30, 2019USD ($)	Jun. 30, 2020USD ($)security	Jun. 30, 2019USD ($)
Marketable Securities [Line Items]
Securities with a fair value in safekeeping account at the FHLB | $	$ 208,400,000		$ 208,400,000
Net realized gains (loss) pre tax | $	21,000	$ (3,000)	(37,000)	$ 38,000
Realized net gains (losses) | $	3,300,000	511,000	6,000,000	628,000
Required to hold securities for its borrowings | $	118,600,000		118,600,000
Excess securities not restricted and could be sold or transferred | $	89,800,000		89,800,000
Mortgage-back securities sold with an aggregate amortized cost | $	$ 60,100,000	$ 49,100,000	$ 142,100,000	$ 61,900,000
Mortgage-backed securities - US government agencies
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company | security	1		1
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company | security	3		3
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 | security	5		5
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company | security	0		0
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 | security	0		0
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company | security	7		7

LOANS RECEIVABLE (Details)

LOANS RECEIVABLE (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 693,667		$ 708,233
Undisbursed portion of loans-in-process	(101,141)		(114,528)
Deferred loan fees	(2,545)		(2,856)
Allowance for loan losses	(6,690)	$ (5,961)	(5,393)	$ (5,330)	$ (5,227)	$ (5,167)
Net loans	583,291		585,456
One to four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	229,966		268,780
Multi-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	32,865		30,582
Allowance for loan losses	(402)	(295)	(315)	(320)	(385)	(347)
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	140,236		128,521
Allowance for loan losses	(1,647)	(1,365)	(1,257)	(1,286)	(1,342)	(1,154)
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	266,985		253,368
Allowance for loan losses	(2,340)	(2,090)	(2,034)	(1,907)	(1,370)	(1,554)
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	16,686		19,630
Allowance for loan losses	(207)	(257)	(206)	(207)	(235)	(187)
Loans to financial institutions
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,000		6,000
Allowance for loan losses	(74)	(70)	(63)	(63)	(68)	(64)
Lease
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	243		518
Allowance for loan losses	(3)	(4)	(5)	(9)	(13)	(18)
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	686		834
Allowance for loan losses	$ (3)	$ (3)	$ (13)	$ (6)	$ (20)	$ (18)

LOANS RECEIVABLE - Summary of l

LOANS RECEIVABLE - Summary of loans individually and collectively evaluated for impairment by loan segment (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	6,690		5,393
Total ending allowance balance	6,690	$ 5,961	5,393	$ 5,330	$ 5,227	$ 5,167
Loans:
Individually evaluated for impairment	13,644		15,542
Collectively evaluated for impairment	680,023		692,691
Total loans	693,667		708,233
One-to-four family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,376		1,002
Total ending allowance balance	1,376	1,301	1,002	1,030	1,314	1,343
Loans:
Individually evaluated for impairment	3,528		4,827
Collectively evaluated for impairment	226,438		263,953
Total loans	229,966		268,780
Multi-family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	402		315
Total ending allowance balance	402	295	315	320	385	347
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	32,865		30,582
Total loans	32,865		30,582
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,647		1,257
Total ending allowance balance	1,647	1,365	1,257	1,286	1,342	1,154
Loans:
Individually evaluated for impairment	1,417		1,965
Collectively evaluated for impairment	138,819		126,556
Total loans	140,236		128,521
Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	2,340		2,034
Total ending allowance balance	2,340	2,090	2,034	1,907	1,370	1,554
Loans:
Individually evaluated for impairment	8,650		8,750
Collectively evaluated for impairment	258,335		244,618
Total loans	266,985		253,368
Commercial business
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	207		206
Total ending allowance balance	207	257	206	207	235	187
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	16,686		19,630
Total loans	16,686		19,630
Loans to financial institutions
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	74		63
Total ending allowance balance	74	70	63	63	68	64
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	6,000		6,000
Total loans	6,000		6,000
Lease
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	3		5
Total ending allowance balance	3	4	5	9	13	18
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	243		518
Total loans	243		518
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	3		13
Total ending allowance balance	3	3	13	6	20	18
Loans:
Individually evaluated for impairment	49		0
Collectively evaluated for impairment	637		834
Total loans	686		834
Unallocated
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	638		498
Total ending allowance balance	$ 638	$ 576	$ 498	$ 502	$ 480	$ 482

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 necessary (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
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	13,644	15,542
Total Impaired Loans - Recorded Investment	13,644	15,542
Total impaired loans - Unpaid Principal Balance	16,455	18,435
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	3,528	4,827
Total Impaired Loans - Recorded Investment	3,528	4,827
Total impaired loans - Unpaid Principal Balance	3,839	5,179
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	1,417	1,965
Total Impaired Loans - Recorded Investment	1,417	1,965
Total impaired loans - Unpaid Principal Balance	1,536	2,125
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	8,650	8,750
Total Impaired Loans - Recorded Investment	8,650	8,750
Total impaired loans - Unpaid Principal Balance	11,031	$ 11,131
Consumer
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0
Impaired Loans with Specific Allowance - Related Allowance	0
Impaired Loans with No Specific Allowance - Recorded Investment	49
Total Impaired Loans - Recorded Investment	49
Total impaired loans - Unpaid Principal Balance	$ 49

LOANS RECEIVABLE - Average reco

LOANS RECEIVABLE - Average recorded investment in impaired loans and related interest income recognized (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 13,780	$ 15,724	$ 14,331	$ 15,951
Income Recognized on Accrual Basis	5	28	8	102
Income Recognized on Cash Basis	5	7	24	19
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	3,663	4,633	4,018	4,849
Income Recognized on Accrual Basis	5	18	8	62
Income Recognized on Cash Basis	5	6	22	16
Multi-family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment		144	49	195
Income Recognized on Accrual Basis	0	0	0	10
Income Recognized on Cash Basis	0	0	0	0
Commercial real estate
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	1,417	2,192	1,534	2,151
Income Recognized on Accrual Basis	0	10	0	30
Income Recognized on Cash Basis	0	1	1	3
Construction and land development
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	8,675	8,750	8,708	8,751
Income Recognized on Accrual Basis	0	0	0	0
Income Recognized on Cash Basis	0	0	0	0
Commercial business
Financing Receivable, Impaired [Line Items]
Average Recorded Investment			3
Income Recognized on Accrual Basis			0
Income Recognized on Cash Basis			1
Consumer
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	25	5	19	5
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 utilized (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 693,667	$ 708,233
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	229,966	268,780
Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	32,865	30,582
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	140,236	128,521
Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	266,985	253,368
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	16,686	19,630
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	686	834
Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	692,738	706,881
Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	229,966	268,780
Risk Rating System | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	32,865	30,582
Risk Rating System | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	140,236	128,521
Risk Rating System | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	266,985	253,368
Risk Rating System | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000	6,000
Risk Rating System | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	16,686	19,630
Risk Rating System | Pass
Financing Receivable, Recorded Investment [Line Items]
Total Loans	676,620
Risk Rating System | Pass | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	225,007
Risk Rating System | Pass | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	32,865
Risk Rating System | Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	137,727
Risk Rating System | Pass | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	258,335
Risk Rating System | Pass | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000
Risk Rating System | Pass | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	16,686
Risk Rating System | Special Pass
Financing Receivable, Recorded Investment [Line Items]
Total Loans		685,832
Risk Rating System | Special Pass | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans		262,164
Risk Rating System | Special Pass | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans		30,582
Risk Rating System | Special Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans		122,838
Risk Rating System | Special Pass | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans		244,618
Risk Rating System | Special Pass | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans		6,000
Risk Rating System | Special Pass | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans		19,630
Risk Rating System | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,523
Risk Rating System | Special Mention | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,431
Risk Rating System | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,092
Risk Rating System | Total Mention
Financing Receivable, Recorded Investment [Line Items]
Total Loans		5,507
Risk Rating System | Total Mention | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans		1,789
Risk Rating System | Total Mention | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Total Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans		3,718
Risk Rating System | Total Mention | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Total Mention | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Total Mention | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total Loans	13,595	15,542
Risk Rating System | Substandard | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,528	4,827
Risk Rating System | Substandard | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,417	1,965
Risk Rating System | Substandard | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 8,650	8,750
Risk Rating System | Substandard | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Substandard | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Doubtful | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Doubtful | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Doubtful | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Doubtful | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Doubtful | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans		0
Risk Rating System | Doubtful | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans		$ 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) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 693,667	$ 708,233
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	229,966	268,780
Lease
Financing Receivable, Recorded Investment [Line Items]
Total Loans	243	518
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	686	834
Non Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	230,895	270,132
Non Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	229,966	268,780
Non Risk Rating System | Lease
Financing Receivable, Recorded Investment [Line Items]
Total Loans	243	518
Non Risk Rating System | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	686	834
Non Risk Rating System | Performing
Financing Receivable, Recorded Investment [Line Items]
Total Loans	227,738	266,420
Non Risk Rating System | Performing | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	226,858	265,068
Non Risk Rating System | Performing | Lease
Financing Receivable, Recorded Investment [Line Items]
Total Loans	243	518
Non Risk Rating System | Performing | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	637	834
Non Risk Rating System | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,157	3,712
Non Risk Rating System | Nonperforming | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,108	$ 3,712
Non Risk Rating System | Nonperforming | Lease
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0
Non Risk Rating System | Nonperforming | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 49

LOANS RECEIVABLE - Loan categor

LOANS RECEIVABLE - Loan categories of loan portfolio summarized by aging categories of performing loans and nonaccrual loans (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 678,545	$ 693,975
Past Due	15,122	14,258
Total Loans	693,667	708,233
Non- Accrual	13,224	13,935
90 Days+ Past Due and Accruing	0	0
30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,300	845
90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	12,822	13,413
One-to-four family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	226,616	264,784
Past Due	3,350	3,996
Total Loans	229,966	268,780
Non- Accrual	3,108	3,712
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	644	750
One-to-four family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,706	3,246
Multi-family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	32,865	30,582
Past Due	0	0
Total Loans	32,865	30,582
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	137,163	127,104
Past Due	3,073	1,417
Total Loans	140,236	128,521
Non- Accrual	1,417	1,473
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	1,656	0
Commercial real estate | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,417	1,417
Construction and land development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	258,335	244,618
Past Due	8,650	8,750
Total Loans	266,985	253,368
Non- Accrual	8,650	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	8,650	8,750
Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	16,686	19,630
Past Due	0	0
Total Loans	16,686	19,630
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
Lease
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	243	518
Past Due	0	0
Total Loans	243	518
Non- Accrual	0	0
Lease | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Lease | 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	637	739
Past Due	49	95
Total Loans	686	834
Non- Accrual	49	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	0	95
Consumer | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 49	$ 0

LOANS RECEIVABLE - Activity in

LOANS RECEIVABLE - Activity in allowance (Details) - USD ($)	3 Months Ended		9 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	$ 5,961,000	$ 5,227,000	$ 5,393,000	$ 5,167,000
Charge-offs	(22,000)		(95,000)
Recoveries	1,000	103,000	17,000	163,000
Provision	750,000	0	1,375,000	0
ALLL balance	6,690,000	5,330,000	6,690,000	5,330,000
One-to-four family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,301,000	1,314,000	1,002,000	1,343,000
Charge-offs	0		(3,000)
Recoveries	1,000	103,000	2,000	163,000
Provision	74,000	(387,000)	375,000	(476,000)
ALLL balance	1,376,000	1,030,000	1,376,000	1,030,000
Multi-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	295,000	385,000	315,000	347,000
Charge-offs	0		0	0
Recoveries	0		0	0
Provision	107,000	(65,000)	87,000	(27,000)
ALLL balance	402,000	320,000	402,000	320,000
Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,365,000	1,342,000	1,257,000	1,154,000
Charge-offs	0		0	0
Recoveries	0		0	0
Provision	282,000	(56,000)	390,000	132,000
ALLL balance	1,647,000	1,286,000	1,647,000	1,286,000
Construction and land development
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	2,090,000	1,370,000	2,034,000	1,554,000
Charge-offs	0		0	0
Recoveries	0		0	0
Provision	250,000	537,000	306,000	353,000
ALLL balance	2,340,000	1,907,000	2,340,000	1,907,000
Commercial business
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	257,000	235,000	206,000	187,000
Charge-offs	0		(15,000)	0
Recoveries	0		0	0
Provision	(50,000)	(28,000)	16,000	20,000
ALLL balance	207,000	207,000	207,000	207,000
Loans to financial institutions
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	70,000	68,000	63,000	64,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	4,000	(5,000)	11,000	(1,000)
ALLL balance	74,000	63,000	74,000	63,000
Lease
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	4,000	13,000	5,000	18,000
Charge-offs	0	0	0	0
Recoveries	0	0	9,000	0
Provision	(1,000)	(4,000)	(11,000)	(9,000)
ALLL balance	3,000	9,000	3,000	9,000
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	3,000	20,000	13,000	18,000
Charge-offs	(22,000)	0	(77,000)	0
Recoveries	0	0	6,000	0
Provision	22,000	(14,000)	61,000	(12,000)
ALLL balance	3,000	6,000	3,000	6,000
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	576,000	480,000	498,000	482,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	62,000	22,000	140,000	20,000
ALLL balance	$ 638,000	$ 502,000	$ 638,000	$ 502,000

LOANS RECEIVABLE - Additional I

LOANS RECEIVABLE - Additional Information 2 (Details)	3 Months Ended		9 Months Ended
	Jun. 30, 2020USD ($)loan	Jun. 30, 2019USD ($)loan	Jun. 30, 2020USD ($)loan	Jun. 30, 2019USD ($)loan	Sep. 30, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | loan			4
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 5,300,000		$ 5,300,000
Write-down amount of TDR loans		$ 0		$ 0
Provision for loan losses	$ 750,000	$ 0	$ 1,375,000	$ 0
Number of loans classified as troubled debt restructuring | loan	0	0	0	0
Loans receivable, net	$ 583,291,000		$ 583,291,000		$ 585,456,000
Allowance for Loan and Lease Losses, Write-offs	22,000		95,000
Recoveries	1,000	$ 103,000	17,000	$ 163,000
Carrying amount	$ 693,667,000		$ 693,667,000		708,233,000
Commercial and residential properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans classified as troubled debt restructuring | loan	0	0	0	0
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for loan losses	$ 282,000	$ (56,000)	$ 390,000	$ 132,000
Effect of pandemic, deferments	132,600,000
Allowance for Loan and Lease Losses, Write-offs	0		0	0
Recoveries	0		0	$ 0
Carrying amount	140,236,000		140,236,000		$ 128,521,000
Residential real estate property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Effect of pandemic, deferments	17,100,000
Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Write-down amount of TDR loans			22,000
Recoveries			1,000
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Write-down amount of TDR loans			95,000
Recoveries			$ 17,000
Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | loan			3
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	4,900,000		$ 4,900,000
Amount of TDR loans, default			10,500,000
Nonperforming | Commercial and residential properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 420,000		$ 420,000

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
Amount
Money market deposit accounts	$ 210,447	$ 75,766
Interest-bearing checking accounts	67,033	58,647
Non interest-bearing checking accounts	28,174	16,949
Passbook, club and statement savings	83,207	80,899
Certificates maturing in six months or less	173,387	294,343
Certificates maturing in more than six months	164,901	218,840
Total	$ 727,149	$ 745,444
Percent
Non interest-bearing checking accounts	3.90%	2.20%
Interest-bearing checking accounts	9.20%	7.90%
Money market deposit accounts	28.90%	10.20%
Passbook, club and statement savings	11.50%	10.90%
Certificates maturing in six months or less	23.80%	39.50%
Certificates maturing in more than six months	22.70%	29.30%
Total	100.00%	100.00%

DEPOSITS - Additional Informati

DEPOSITS - Additional Information (Details) - USD ($) $ in Millions	Jun. 30, 2020	Sep. 30, 2019
DEPOSITS
Certificates of $250,000 and over	$ 104.3	$ 182.8

ADVANCES FROM FEDERAL HOME LO_5

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM
Balance at period end	$ 25,000	$ 90,000
Weight-average rate at period end	0.48%	2.32%

ADVANCES FROM FEDERAL HOME LO_6

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM - Additional Information (Details)	9 Months Ended
	Jun. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan
Short-term Debt [Line Items]
Advances from Federal Home Loan Bank - Short Term	$ 25,000,000	$ 90,000,000
Unsecured borrowing facilities with ACBB and PNC	$ 12,500,000	$ 10,000,000
Coupon	2.58%
Proceeds from lines of credit	$ 0
Interest rate swap contract one
Short-term Debt [Line Items]
Number of 30 day FHLB advances | loan		7
Number of 90 day FHLB advances | loan	1
Advances from Federal Home Loan Bank - Short Term	$ 25,000,000
Coupon		90.00%

ADVANCES FROM FEDERAL HOME LO_7

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Details) - USD ($) $ in Thousands	21 Months Ended
	Jun. 30, 2020	Sep. 30, 2019
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	2.58%
Amount	$ 266,069	$ 286,904
Fixed Rate - Amortizing
Federal Home Loan Bank, Advances [Line Items]
Amount	$ 19,514	30,250
Weighted average interest rate	2.81%
Long-term FHLB advances
Federal Home Loan Bank, Advances [Line Items]
Amount	$ 246,555	256,654
Weighted average interest rate	2.56%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 19 to 30 Sep 20
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2019
Date of maturity to	Sep. 30, 2020
Amount		236
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 19 to 30 Sep 20 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	1.53%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 19 to 30 Sep 20 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	1.53%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 19 to 30 Sep 20 | Weighted average
Federal Home Loan Bank, Advances [Line Items]
Weighted average interest rate	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
Date of maturity to	Sep. 30, 2021
Amount	$ 7,495	14,354
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	1.94%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	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]
Weighted average interest rate	2.73%
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
Date of maturity to	Sep. 30, 2022
Amount	$ 6,333	8,729
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	1.99%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	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]
Weighted average interest rate	2.83%
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
Date of maturity to	Sep. 30, 2023
Amount	$ 5,686	6,931
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	1.94%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	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]
Weighted average interest rate	2.89%
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
Date of maturity to	Sep. 30, 2020
Amount	$ 2,252	12,304
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	1.38%
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	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]
Weighted average interest rate	2.87%
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
Date of maturity to	Sep. 30, 2021
Amount	$ 18,002	18,017
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	1.42%
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	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]
Weighted average interest rate	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
Date of maturity to	Sep. 30, 2022
Amount	$ 63,304	63,336
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	1.94%
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	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]
Weighted average interest rate	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
Date of maturity to	Sep. 30, 2023
Amount	$ 94,999	94,999
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	2.00%
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	3.15%
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Weighted average
Federal Home Loan Bank, Advances [Line Items]
Weighted average interest rate	2.52%
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
Date of maturity to	Sep. 30, 2024
Amount	$ 67,998	$ 67,998
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	2.38%
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Stated interest rate range	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]
Weighted average interest rate	2.88%

DERIVATIVES (Details)

DERIVATIVES (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Jun. 30, 2020	Sep. 30, 2019
Derivative [Line Items]
Unrealized Gain (Loss)	$ (25,063)	$ (11,241)
Interest rate swap contract maturing on 10 Apr 2025
Derivative [Line Items]
Hedge Item	FHLB advance	FHLB advance
Notional Amount	$ 10,000	$ 10,000
Receive Rate	1 Mth Libor	1 Mth Libor
Unrealized Gain (Loss)	$ (1,207)	$ (719)
Interest rate swap contract maturing on 10 Apr 2025 | Minimum
Derivative [Line Items]
Pay rate	2.70%	2.70%
Maturity date	Apr. 10, 2025	Apr. 10, 2025
Interest rate swap contract maturing on 10 Apr 2025 | Maximum
Derivative [Line Items]
Pay rate	2.70%	2.70%
Maturity date	Apr. 10, 2025	Apr. 10, 2025
Interest rate swap contract maturing on 1 May 2028
Derivative [Line Items]
Hedge Item	State and political subdivisions	State and political subdivisions
Notional Amount	$ 21,570	$ 21,570
Receive Rate	3 Mth Libor	3 Mth Libor
Unrealized Gain (Loss)	$ (4,000)	$ (2,502)
Interest rate swap contract maturing on 1 May 2028 | Minimum
Derivative [Line Items]
Pay rate	3.06%	3.06%
Maturity date	Feb. 1, 2027	Feb. 1, 2027
Interest rate swap contract maturing on 1 May 2028 | Maximum
Derivative [Line Items]
Pay rate	3.07%	3.07%
Maturity date	May 1, 2028	May 1, 2028
Interest rate swap contract maturing on 1 Aug 2026
Derivative [Line Items]
Hedge Item	Commercial loans	Commercial loans
Notional Amount	$ 23,656	$ 17,229
Receive Rate	1 Mth Libor +225 to 276 bp	1 Mth Libor +250 to 276 bp
Unrealized Gain (Loss)	$ (2,709)	$ 0
Interest rate swap contract maturing on 1 Aug 2026 | Minimum
Derivative [Line Items]
Pay rate	4.10%	4.10%
Maturity date	Jun. 13, 2025	Jun. 13, 2025
Interest rate swap contract maturing on 1 Aug 2026 | Maximum
Derivative [Line Items]
Pay rate	5.74%	5.74%
Maturity date	Aug. 1, 2026	Aug. 1, 2026
Interest rate swap contract maturing on 12 Jun 2026
Derivative [Line Items]
Hedge Item	30 day wholesale funding	30 day wholesale funding
Notional Amount	$ 80,000	$ 65,000
Receive Rate	1 Mth Libor	1 Mth Libor
Unrealized Gain (Loss)	$ (5,334)	$ (1,415)
Interest rate swap contract maturing on 12 Jun 2026 | Minimum
Derivative [Line Items]
Pay rate	1.36%	1.94%
Maturity date	Feb. 15, 2024	Feb. 15, 2024
Interest rate swap contract maturing on 12 Jun 2026 | Maximum
Derivative [Line Items]
Pay rate	2.51%	2.51%
Maturity date	Jun. 12, 2026	Jun. 12, 2026
Interest rate swap contract maturing on 27 Mar 24
Derivative [Line Items]
Hedge Item	90 day wholesale funding	90 day wholesale funding
Notional Amount	$ 135,000	$ 135,000
Receive Rate	3 Mth Libor	3 Mth Libor
Unrealized Gain (Loss)	$ (11,813)	$ (6,605)
Interest rate swap contract maturing on 27 Mar 24 | Minimum
Derivative [Line Items]
Pay rate	2.51%	2.51%
Maturity date	Jan. 11, 2024	Jan. 11, 2024
Interest rate swap contract maturing on 27 Mar 24 | Maximum
Derivative [Line Items]
Pay rate	2.78%	2.78%
Maturity date	Mar. 27, 2024	Mar. 27, 2024

DERIVATIVES - Additional Inform

DERIVATIVES - Additional Information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
DERIVATIVES
Income recognized as ineffectiveness through earnings	$ (1,000)	$ (3,000)	$ (4,000)	$ (5,000)

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($)	Jun. 30, 2020	Sep. 30, 2019
Deferred tax assets:
Allowance for loan losses	$ 1,736,000	$ 1,488,000
Nonaccrual interest	565,000	487,000
Accrued vacation	7,000	7,000
Capital loss carryforward		121,000
Split dollar life insurance	9,000	9,000
Post-retirement benefits	73,000	76,000
Realized loss on equity securities	8,000	0
Unrealized losses on interest rate swaps	3,854,000	1,836,000
Deferred compensation	788,000	809,000
Goodwill	61,000	69,000
Other	61,000	64,000
Employee benefit plans	307,000	216,000
Total deferred tax assets	7,469,000	5,182,000
Valuation allowance	0	(121,000)
Total deferred tax assets, net of valuation allowance	7,469,000	5,061,000
Deferred tax liabilities:
Property	134,000	141,000
Realized gain on equity securities		19,000
Unrealized gains on available for sale securities	2,797,000	2,153,000
Purchase accounting adjustments	299,000	215,000
Deferred loan fees	112,000	175,000
Total deferred tax liabilities	3,342,000	2,703,000
Net deferred tax assets	$ 4,127,000	$ 2,358,000

INCOME TAXES - Additional Infor

INCOME TAXES - Additional Information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Sep. 30, 2019
INCOME TAXES
Period of capital gains recognized			5 years
Valuation allowance	$ 0		$ 0		$ 121,000
Income tax expense	$ 701,000	$ 582,000	$ 1,839,000	$ 1,391,000

STOCK COMPENSATION PLANS - Summ

STOCK COMPENSATION PLANS - Summary of non-vested stock award activity (Details)	9 Months Ended
	Jun. 30, 2020$ / sharesshares
Number of Shares
Non-vested stock awards at beginning of period | shares	68,980
Granted | shares	0
Forfeited | shares	0
Vested | shares	(42,024)
Non-vested stock awards at the end of the period | shares	26,956
Weighted Average Grant Date Fair Value
Nonvested stock awards at beginning of period | $ / shares	$ 15.05
Granted | $ / shares	0
Forfeited | $ / shares	0
Vested | $ / shares	13.44
Non-vested stock awards at the end of the period | $ / shares	$ 17.56

STOCK COMPENSATION PLANS - Su_2

STOCK COMPENSATION PLANS - Summary of status of stock options under Stock Option Plan (Details) - 2008 Option Plan and 2014 SIP - Stock Options	9 Months Ended
	Jun. 30, 2020$ / sharesshares
Number of Shares
Options outstanding at beginning of period | shares	793,034
Exercised | shares	(13,345)
Outstanding at the end of the period | shares	779,689
Exercisable at March 31 | shares	603,356
Weighted Average Exercise Price
Options outstanding at beginning of period | $ / shares	$ 13.86
Exercised | $ / shares	10.09
Outstanding at the end of the period | $ / shares	13.93
Exercisable at March 31 | $ / shares	$ 12.72

STOCK COMPENSATION PLANS - 2008

STOCK COMPENSATION PLANS - 2008 Recognition and Retention Plan (Details) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended		9 Months Ended
	Mar. 31, 2018	Aug. 31, 2016	Jun. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted			0
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	924	7,473

STOCK COMPENSATION PLANS - Opti

STOCK COMPENSATION PLANS - Option Plan (Details) - USD ($)	1 Months Ended						3 Months Ended		9 Months Ended
	Jul. 31, 2019	Mar. 31, 2018	May 30, 2017	Mar. 31, 2017	Aug. 31, 2016	Feb. 28, 2015	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Sep. 30, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted									0
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					18,866
2014 Stock Incentive Plan (the "2014 SIP")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted			25,000	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
Number of shares granted				22,828	8,634
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
Number of shares granted		25,576
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							$ 47,000	$ 157,000	$ 303,000	$ 464,000
Additional compensation expense for shares awarded remained unrecognized							518,000		518,000
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted	39,702	159,265
Recognized compensation expense							48,000		319,000
Additional compensation expense for shares awarded remained unrecognized							$ 396,000		$ 396,000

STOCK COMPENSATION PLANS - Op_2

STOCK COMPENSATION PLANS - Option Granted (Details)	3 Months Ended	9 Months Ended
	Jun. 30, 2020USD ($)$ / shares	Jun. 30, 2020USD ($)$ / shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average remaining contractual term for options outstanding		5 years 6 months
Exercise price and fair value	$ 18.46	$ 18.46
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense | $	$ 48,000	$ 319,000
Additional compensation expense for shares awarded remained unrecognized | $	$ 396,000	$ 396,000
Weighted average period for recognition of nonvested awards		2 years 10 months 24 days
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2009
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share		$ 2.98
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share		2.92
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share		3.34
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share		4.67
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share		4.58
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2016
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share		2.13
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share		$ 3.18
Fair value, valuation method		Black-Scholes pricing model
Expected term		7 years
Volatility rate		14.37%
Expected interest rate		2.22%
Expected yield		0.69%
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017 | 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
2008 Option Plan and 2014 SIP | Stock Options | Granted In March 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair value, valuation method		Black-Scholes pricing model
Expected term		7 years
Volatility rate		15.90%
Expected interest rate		2.82%
Expected yield		1.08%
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share		$ 3.38
Exercise price and fair value	$ 18.16	$ 18.16
Expected term		7 years
Volatility rate		17.76%
Expected interest rate		1.87%
Expected yield		1.10%

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Jun. 30, 2020	Sep. 30, 2019
COMMITMENTS AND CONTINGENT LIABILITIES
Outstanding commitments	$ 1,200
Aggregate undisbursed portion of loans-in-process	101,141	$ 114,528
Loan Origination Commitments
COMMITMENTS AND CONTINGENT LIABILITIES
Outstanding commitments	7,800	32,400
Aggregate undisbursed portion of loans-in-process	$ 101,100	$ 114,500
Loan Origination Commitments | Minimum
COMMITMENTS AND CONTINGENT LIABILITIES
Market interest rate on fixed and variable rate loans	3.25%	1.99%
Loan Origination Commitments | Maximum
COMMITMENTS AND CONTINGENT LIABILITIES
Market interest rate on fixed and variable rate loans	5.00%	6.50%
Unused lines of Credit
COMMITMENTS AND CONTINGENT LIABILITIES
Outstanding commitments	$ 35,000	$ 37,500
Letters of Credit
COMMITMENTS AND CONTINGENT LIABILITIES
Outstanding commitments	$ 1,100	$ 1,500

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, 2020	Sep. 30, 2019
Assets:
Assets, Total	$ 441,461	$ 512,917
Liabilities:
Liabilities, Total	25,063	11,241
Level 1
Assets:
Assets, Total	58	95
Level 2
Assets:
Assets, Total	441,403	512,822
Liabilities:
Liabilities, Total	25,063	11,241
U.S. Government and agency obligations
Assets:
Assets, Total	32,426	24,865
U.S. Government and agency obligations | Level 2
Assets:
Assets, Total	32,426	24,865
State and political subdivisions
Assets:
Assets, Total	68,491	47,646
State and political subdivisions | Level 2
Assets:
Assets, Total	68,491	47,646
Mortgage-backed securities - US government agencies
Assets:
Assets, Total	261,341	370,772
Mortgage-backed securities - US government agencies | Level 2
Assets:
Assets, Total	261,341	370,772
Corporate bonds
Assets:
Assets, Total	79,145	69,539
Corporate bonds | Level 2
Assets:
Assets, Total	79,145	69,539
Equity security - FHLMC preferred stock
Assets:
Assets, Total	58	95
Equity security - FHLMC preferred stock | Level 1
Assets:
Assets, Total	58	95
Interest rate swap contracts [Member]
Liabilities:
Liabilities, Total	25,063	11,241
Interest rate swap contracts [Member] | Level 2
Liabilities:
Liabilities, Total	$ 25,063	$ 11,241

FAIR VALUE MEASUREMENT - Change

FAIR VALUE MEASUREMENT - Changes in level 3 assets measured at fair value (Details) - Fair value measurements on a nonrecurring basis - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
FAIR VALUE MEASUREMENT
Impaired loans	$ 13,644	$ 15,542
Other real estate owned	406	348
Total	14,050	15,890
Level 1
FAIR VALUE MEASUREMENT
Impaired loans	0	0
Other real estate owned	0	0
Total	0	0
Level 2
FAIR VALUE MEASUREMENT
Impaired loans	0	0
Other real estate owned	0	0
Total	0	0
Level 3
FAIR VALUE MEASUREMENT
Impaired loans	13,644	15,542
Other real estate owned	406	348
Total	$ 14,050	$ 15,890

FAIR VALUE MEASUREMENT - Valuat

FAIR VALUE MEASUREMENT - Valuation processes used to determine nonrecurring fair value measurements categorized within level 3 (Details) - Fair value measurements on a nonrecurring basis	Jun. 30, 2020USD ($)	Sep. 30, 2019USD ($)
FAIR VALUE MEASUREMENT
Impaired loans	$ 13,644,000	$ 15,542,000
Other real estate owned	406,000	348,000
Level 3
FAIR VALUE MEASUREMENT
Impaired loans	13,644,000	15,542,000
Other real estate owned	$ 406,000	$ 348,000
Level 3 | Management discount for selling costs, property type and market volatility | Property appraisals | Weighted average
FAIR VALUE MEASUREMENT
Real estate owned measurement input (in percent)	22	22
Impaired loan | Level 3 | Management discount for selling costs, property type and market volatility | Property appraisals | Minimum
FAIR VALUE MEASUREMENT
Impaired loans measurement input (in percent)	6	6
Impaired loan | Level 3 | Management discount for selling costs, property type and market volatility | Property appraisals | Maximum
FAIR VALUE MEASUREMENT
Impaired loans measurement input (in percent)	9	9
Impaired loan | Level 3 | Management discount for selling costs, property type and market volatility | Property appraisals | Weighted average
FAIR VALUE MEASUREMENT
Impaired loans measurement input (in percent)	7	7

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) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
Assets:
Cash and cash equivalents	$ 60,020	$ 47,968
Certificates of deposit	2,351	2,351
Equity securities	58	95
Loans held for sale	1,070
Amortized Cost	25,652	68,635
Loans receivable, net	583,291	585,456
Fair Value	441,403	512,822
Accrued interest receivable	5,134	4,549
Restricted bank stock	12,982	16,406
Bank owned life insurance	32,333	31,841
Liabilities:
Passbook, club and statement savings accounts	83,207	80,899
Advances from FHLB short-term	25,000	90,000
Advances from FHLB long-term	266,069	286,904
Accrued interest payable	3,014	4,328
Advances from borrowers for taxes and insurance	3,259	2,332
Carrying Amount
Assets:
Cash and cash equivalents	60,020	47,968
Certificates of deposit	2,351	2,351
Investment and mortgage-backed securities available for sale	441,403	512,822
Equity securities	58	95
Investment and mortgage-backed securities held to maturity	25,652	68,635
Loans held for sale	1,070
Loans receivable, net	583,291	585,456
Accrued interest receivable	5,134	4,549
Restricted bank stock	12,982	16,406
Bank owned life insurance	32,333	31,841
Liabilities:
Checking accounts	95,207	75,596
Money market deposit accounts	210,447	75,766
Passbook, club and statement savings accounts	83,207	80,899
Certificates of deposit	338,288	513,183
Advances from FHLB short-term	25,000	90,000
Advances from FHLB long-term	266,069	286,904
Accrued interest payable	3,014	4,328
Advances from borrowers for taxes and insurance	3,259	2,332
Interest rate swap contracts	25,063	11,241
Fair Value
Assets:
Cash and cash equivalents	60,020	47,968
Certificates of deposit	2,351	2,351
Investment and mortgage-backed securities available for sale	441,403	512,822
Equity securities	58	95
Investment and mortgage-backed securities held to maturity	27,071	69,507
Loans held for sale	1,070
Loans receivable, net	587,337	585,476
Accrued interest receivable	5,134	4,549
Restricted bank stock	12,982	16,406
Bank owned life insurance	32,333	31,841
Liabilities:
Checking accounts	95,207	75,596
Money market deposit accounts	210,447	75,766
Passbook, club and statement savings accounts	83,207	80,899
Certificates of deposit	349,810	529,099
Advances from FHLB short-term	25,000	90,000
Advances from FHLB long-term	280,418	293,839
Accrued interest payable	3,014	4,328
Advances from borrowers for taxes and insurance	3,259	2,332
Interest rate swap contracts	25,063	11,241
Level 1
Assets:
Cash and cash equivalents	60,020	47,968
Certificates of deposit	2,351	2,351
Investment and mortgage-backed securities available for sale	0	0
Equity securities	58	95
Investment and mortgage-backed securities held to maturity	0	0
Loans held for sale	1,070
Loans receivable, net	0	0
Accrued interest receivable	5,134	4,549
Restricted bank stock	12,982	16,406
Bank owned life insurance	32,333	31,841
Liabilities:
Checking accounts	95,207	75,596
Money market deposit accounts	210,447	75,766
Passbook, club and statement savings accounts	83,207	80,899
Certificates of deposit	0	0
Advances from FHLB short-term	25,000	90,000
Advances from FHLB long-term	0	0
Accrued interest payable	3,014	4,328
Advances from borrowers for taxes and insurance	3,259	2,332
Interest rate swap contracts	0	0
Level 2
Assets:
Cash and cash equivalents	0	0
Certificates of deposit	0	0
Investment and mortgage-backed securities available for sale	441,403	512,822
Equity securities	0
Investment and mortgage-backed securities held to maturity	27,071	69,507
Loans held for sale	0
Loans receivable, net	0	0
Accrued interest receivable	0	0
Restricted bank stock	0	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	0	0
Advances from FHLB short-term	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	25,063	11,241
Level 3
Assets:
Cash and cash equivalents	0	0
Certificates of deposit	0	0
Investment and mortgage-backed securities available for sale	0	0
Equity securities	0
Investment and mortgage-backed securities held to maturity	0	0
Loans held for sale	0
Loans receivable, net	587,337	585,476
Accrued interest receivable	0	0
Restricted bank stock	0	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	349,810	529,099
Advances from FHLB short-term	0	0
Advances from FHLB long-term	280,418	293,839
Accrued interest payable	0	0
Advances from borrowers for taxes and insurance	0	0
Interest rate swap contracts	$ 0	$ 0

FAIR VALUE MEASUREMENT - Additi

FAIR VALUE MEASUREMENT - Additional Information (Details) $ in Millions	Jun. 30, 2020USD ($)
Level 2
FAIR VALUE MEASUREMENT
Collateral dependent impaired loans, fair value	$ 13.6

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, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Goodwill
Balance, Goodwill			$ 6,102
Balance, Goodwill	$ 6,102		6,102
Core deposit intangible
Balance			448
Balance	366		366
GOODWILL AND OTHER INTANGIBLE ASSETS, Total
Amortization	(26)	$ (30)	(82)	$ (93)
Polonia Bancorp
Goodwill
Balance, Goodwill			6,102
Additions/Adjustments			0
Balance, Goodwill	6,102		6,102
GOODWILL AND OTHER INTANGIBLE ASSETS, Total
Balance, Total			6,550
Additions/Adjustments			0
Amortization			(82)
Balance, Total	6,468		6,468
Polonia Bancorp | Core deposit intangible
Core deposit intangible
Balance			448
Additions/Adjustments			0
Amortization			(82)
Balance	$ 366		$ 366
Amortization Period			10 years

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Future fiscal periods amortization expense (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Sep. 30, 2019
GOODWILL AND OTHER INTANGIBLE ASSETS
2020	$ 26
2021	93
2022	78
2023	64
2024	49
Thereafter	56
Total	$ 366	$ 448

LEASES (Details)

LEASES (Details)	3 Months Ended	9 Months Ended
	Jun. 30, 2020USD ($)	Jun. 30, 2020USD ($)
Lessee, Lease, Description [Line Items]
Operating lease ROU assets	$ 1,300,000	$ 1,300,000
Operating lease liabilities	1,448,000	1,448,000
Operating lease cost	$ 59,000	$ 178,000
Weighted-average remaining lease term - operating leases in years	6 years 6 months	6 years 6 months
Weighted-average discount rate - operating leases	2.00%	2.00%
Minimum
Lessee, Lease, Description [Line Items]
Remaining lease term (in years)		5 years
Maximum
Lessee, Lease, Description [Line Items]
Remaining lease term (in years)		9 years

LEASES - Aggregate lease maturi

LEASES - Aggregate lease maturities and obligations (Details) $ in Thousands	Jun. 30, 2020USD ($)
Aggregate lease maturities and obligations
2020	$ 52
2021	210
2022	213
2023	216
2024	220
2025 and thereafter	647
Total lease payments	1,558
Less: interest	110
Present value of lease liabilities	$ 1,448