Pathward Financial (CASH) 10-Q 9 May 22 2022 Q2 Quarterly report Financial data

Cover Page

Cover Page - shares	6 Months Ended
	Mar. 31, 2022	May 03, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity File Number	0-22140
Entity Registrant Name	META FINANCIAL GROUP, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	42-1406262
Entity Address, Address Line One	5501 South Broadband Lane
Entity Address, City or Town	Sioux Falls
Entity Address, State or Province	SD
Entity Address, Postal Zip Code	57108
City Area Code	877
Local Phone Number	497-7497
Title of 12(b) Security	Common Stock, $.01 par value
Trading Symbol	CASH
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		29,364,982
Entity Central Index Key	0000907471
Current Fiscal Year End Date	--09-30
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Amendment Flag	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
ASSETS
Cash and cash equivalents	$ 237,680	$ 314,019
Securities available for sale, at fair value	2,043,478	1,864,899
Securities held to maturity, at amortized cost (fair value $45,436 and $56,391, respectively)	47,287	56,669
Federal Reserve Bank and Federal Home Loan Bank Stock, at cost	28,812	28,400
Loans held for sale	31,410	56,194
Loans and leases	3,730,190	3,609,563
Allowance for credit losses	(88,552)	(68,281)
Accrued interest receivable	19,115	16,254
Premises, furniture, and equipment, net	43,167	44,888
Rental equipment, net	213,033	213,116
Foreclosed real estate and repossessed assets, net	112	2,077
Goodwill and intangible assets	338,795	342,653
Prepaid assets	15,264	10,513
Other assets	227,448	199,686
Total assets	6,887,239	6,690,650
LIABILITIES
Deposits	5,829,886	5,514,971
Long-term borrowings	91,386	92,834
Accrued expenses and other liabilities	202,561	210,961
Total liabilities	6,123,833	5,818,766
STOCKHOLDERS’ EQUITY
Preferred stock, 3,000,000 shares authorized, no shares issued and no shares outstanding at March 31, 2022 and September 30, 2021, respectively	0	0
Additional paid-in capital	612,917	604,484
Retained earnings	223,760	259,189
Accumulated other comprehensive income (loss)	(69,374)	7,599
Treasury stock, at cost, 81,067 and 16,531 common shares at March 31, 2022 and September 30, 2021, respectively	(4,513)	(860)
Total equity attributable to parent	763,084	870,729
Noncontrolling interest	322	1,155
Total stockholders’ equity	763,406	871,884
Total liabilities and stockholders’ equity	6,887,239	6,690,650
Common stock, $0.01 par value; 90,000,000 shares authorized, 29,443,911 and 31,686,483 shares issued, 29,362,844 and 31,669,952 shares outstanding at March 31, 2022 and September 30, 2021, respectively
STOCKHOLDERS’ EQUITY
Common stock	294	317
Common stock, Nonvoting, $0.01 par value; 3,000,000 shares authorized, no shares issued, none outstanding at March 31, 2022 and September 30, 2021, respectively
STOCKHOLDERS’ EQUITY
Common stock	$ 0	$ 0

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
STOCKHOLDERS’ EQUITY
Investment securities held to maturity, fair value	$ 45,436	$ 56,391
Preferred stock, shares authorized (in shares)	3,000,000	3,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Treasury stock (in shares)	81,067	16,531
Common Stock
STOCKHOLDERS’ EQUITY
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	90,000,000	90,000,000
Common stock, shares issued (in shares)	29,443,911	31,686,483
Common stock, shares outstanding (in shares)	29,362,844	31,669,952
Common Stock, Nonvoting
STOCKHOLDERS’ EQUITY
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	3,000,000	3,000,000
Common stock, shares issued (in shares)	0	0
Common stock, shares outstanding (in shares)	0	0

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Interest and dividend income:
Loans and leases, including fees	$ 75,540	$ 68,472	$ 140,575	$ 130,128
Mortgage-backed securities	5,446	2,608	9,310	4,730
Other investments	4,191	4,589	8,183	8,956
Total interest and dividend income	85,177	75,669	158,068	143,814
Interest expense:
Deposits	165	445	306	1,241
FHLB advances and other borrowings	1,212	1,374	2,349	2,724
Total interest expense	1,377	1,819	2,655	3,965
Net interest income	83,800	73,850	155,413	139,849
Provision for credit losses	32,302	30,290	32,488	36,379
Net interest income after provision for credit losses	51,498	43,560	122,925	103,470
Noninterest income:
Net realized (gain) on securities available for sale, net	260	6	397	6
Gain on sale of trademarks	0	0	50,000	0
Gain (loss) on sale of other	626	2,133	(2,839)	4,981
Other income	3,881	4,218	5,542	11,532
Total noninterest income	109,766	113,453	196,357	158,908
Noninterest expense:
Compensation and benefits	45,047	43,932	83,272	76,263
Refund transfer product expense	6,260	6,146	6,398	6,207
Tax advance product expense	2,002	2,189	2,185	2,559
Card processing	7,457	7,212	14,629	13,329
Occupancy and equipment expense	8,500	6,748	16,849	13,636
Operating lease equipment depreciation	8,737	7,419	17,185	15,000
Legal and consulting	9,347	6,045	15,555	11,292
Intangible amortization	2,169	2,757	3,657	4,770
Impairment expense	0	554	0	1,713
Other expense	13,641	12,969	25,866	23,777
Total noninterest expense	103,160	95,971	185,596	168,546
Income before income tax expense	58,104	61,042	133,686	93,832
Income tax expense	8,002	1,133	22,278	4,665
Net income before noncontrolling interest	50,102	59,909	111,408	89,167
Net income attributable to noncontrolling interest	851	843	833	2,064
Net income attributable to parent	$ 49,251	$ 59,066	$ 110,575	$ 87,103
Earnings per common share:
Basic (in dollars per share)	$ 1.66	$ 1.84	$ 3.66	$ 2.66
Diluted (in dollars per share)	$ 1.66	$ 1.84	$ 3.66	$ 2.65
Refund transfer product fees
Noninterest income:
Noninterest income	$ 27,805	$ 22,680	$ 28,384	$ 23,327
Tax advance product fees
Noninterest income:
Noninterest income	39,299	44,562	40,532	46,522
Payments card and deposit fees
Noninterest income:
Noninterest income	26,270	29,875	51,402	52,439
Other bank and deposit fees
Noninterest income:
Noninterest income	250	133	487	370
Rental income
Noninterest income:
Noninterest income	$ 11,375	$ 9,846	$ 22,452	$ 19,731

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income before noncontrolling interest	$ 50,102	$ 59,909	$ 111,408	$ 89,167
Other comprehensive income (loss):
Change in net unrealized gain (loss) on debt securities	(93,632)	(9,923)	(102,774)	(7,077)
Net (gain) realized on investment securities	(260)	(6)	(397)	(6)
Total	(93,892)	(9,929)	(103,171)	(7,083)
Unrealized gain on currency translation	143	126	209	571
Deferred income tax effect	(23,651)	(2,493)	(25,989)	(1,779)
Total other comprehensive (loss)	(70,098)	(7,310)	(76,973)	(4,733)
Total comprehensive income (loss)	(19,996)	52,599	34,435	84,434
Total comprehensive income attributable to noncontrolling interest	851	843	833	2,064
Comprehensive income (loss) attributable to parent	$ (20,847)	$ 51,756	$ 33,602	$ 82,370

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Adjustment	Total Meta Stockholders’ Equity	Total Meta Stockholders’ EquityAdjustment	Common Stock	Additional Paid-in Capital	Retained Earnings	Retained EarningsAdjustment	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Noncontrolling interest	Noncontrolling interestAdjustment
Beginning Balance at Sep. 30, 2020	$ 847,308	$ (10,803)	$ 843,705	$ (8,351)	$ 344	$ 594,569	$ 234,927	$ (8,351)	$ 17,542	$ (3,677)	$ 3,603	$ (2,452)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends declared on common stock	(3,209)		(3,209)				(3,209)
Issuance of common stock due to ESOP	3,036		3,036		2	3,034
Repurchases of common stock	(86,977)		(86,977)		(27)	27	(84,999)			(1,978)
Stock compensation	3,592		3,592			3,592
Total other comprehensive (loss)	(4,733)		(4,733)						(4,733)
Net income	89,167		87,103				87,103				2,064
Net investment by (distribution to) noncontrolling interests	(2,123)										(2,123)
Ending Balance at Mar. 31, 2021	835,258		834,166		319	601,222	225,471		12,809	(5,655)	1,092
Beginning Balance at Dec. 31, 2020	813,210		811,674		326	598,669	198,000		20,119	(5,440)	1,536
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends declared on common stock	(1,595)		(1,595)				(1,595)
Repurchases of common stock	(30,215)		(30,215)		(7)	7	(30,000)			(215)
Stock compensation	2,546		2,546			2,546
Total other comprehensive (loss)	(7,310)		(7,310)						(7,310)
Net income	59,909		59,066				59,066				843
Net investment by (distribution to) noncontrolling interests	(1,287)										(1,287)
Ending Balance at Mar. 31, 2021	835,258		834,166		319	601,222	225,471		12,809	(5,655)	1,092
Beginning Balance at Sep. 30, 2021	871,884		870,729		317	604,484	259,189		7,599	(860)	1,155
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends declared on common stock	(3,004)		(3,004)				(3,004)
Issuance of common stock due to ESOP	2,886		2,886		1	2,885
Repurchases of common stock	(146,653)		(146,653)		(24)	24	(143,000)			(3,653)
Stock compensation	5,524		5,524			5,524
Total other comprehensive (loss)	(76,973)		(76,973)						(76,973)
Net income	111,408		110,575				110,575				833
Net investment by (distribution to) noncontrolling interests	(1,666)										(1,666)
Ending Balance at Mar. 31, 2022	763,406		763,084		294	612,917	223,760		(69,374)	(4,513)	322
Beginning Balance at Dec. 31, 2021	826,156		825,514		301	610,816	217,991		724	(4,318)	642
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends declared on common stock	(1,482)		(1,482)				(1,482)
Repurchases of common stock	(42,195)		(42,195)		(7)	7	(42,000)			(195)
Stock compensation	2,094		2,094			2,094
Total other comprehensive (loss)	(70,098)		(70,098)						(70,098)
Net income	50,102		49,251				49,251				851
Net investment by (distribution to) noncontrolling interests	(1,171)										(1,171)
Ending Balance at Mar. 31, 2022	$ 763,406		$ 763,084		$ 294	$ 612,917	$ 223,760		$ (69,374)	$ (4,513)	$ 322

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Cash dividends declared on common stock (in dollars per share)	$ 0.05	$ 0.05	$ 0.10	$ 0.10
Accounting Standards Update [Extensible List]				Accounting Standards Update 2016-13 [Member]

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income before noncontrolling interest	$ 111,408	$ 89,167
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation, amortization and accretion, net	30,753	28,414
Provision for credit losses	32,488	36,379
Provision (reversal of) for deferred taxes	14,091	(5,933)
Originations of loans held for sale	(555,397)	(361,722)
Proceeds from sales of loans held for sale	723,942	575,931
Net change in loans held for sale	8,834	5,500
Fair value adjustment of foreclosed real estate	250	466
Net realized (gain) on securities available for sale, net	0	(6)
Net realized (gain) on securities held to maturity, net	(397)	0
Net realized (gain) loss on loans held for sale	4,065	(4,610)
Net realized loss on premise, furniture, and equipment	43	0
Net realized (gain) on lease receivables and equipment	(1,063)	(360)
Net realized (gain) on foreclosed real estate and repossessed assets	0	(4)
Net realized (gain) on trademarks	(50,000)	0
Change in bank-owned life insurance value	(1,212)	(1,227)
Net change in accrued interest receivable	(2,862)	(801)
Net change in other assets	(20,718)	(28,635)
Net change in accrued expenses and other liabilities	(8,400)	49,774
Stock compensation	5,524	3,592
Net cash provided by operating activities	291,349	385,925
Cash flows from investing activities:
Purchases of securities available for sale	(470,067)	(411,458)
Proceeds from sales of securities available for sale	0	50,468
Proceeds from maturities of and principal collected on securities available for sale	184,107	137,635
Proceeds from sales of securities held to maturity	460	0
Proceeds from maturities of and principal collected on securities held to maturity	8,937	19,536
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock	(103,573)	(1,295)
Redemption of Federal Reserve Bank and Federal Home Loan Bank stock	103,160	0
Purchases of loans and leases	(88,913)	(99,083)
Proceeds from sales of loans and leases	45,784	12,005
Net change in loans and leases	(69,966)	(353,781)
Purchases of premises, furniture, and equipment	(3,718)	(4,254)
Proceeds from sales of premises, furniture, and equipment	35	0
Purchases of rental equipment	(196,043)	(26,212)
Proceeds from sales of rental equipment	6,811	7,830
Net change in rental equipment	(1,567)	0
Proceeds from sales of foreclosed real estate and repossessed assets	1,715	8,021
Proceeds from sale of trademarks	50,000	0
Net cash (used in) investing activities	(532,838)	(660,588)
Cash flows from financing activities:
Net change in deposits	314,915	3,663,213
Principal payments on capital lease obligations	(74)	(16)
Principal payments on other liabilities	(1,463)	(2,957)
Dividends paid on common stock	(3,004)	(3,209)
Issuance of common stock due to ESOP	2,886	3,036
Repurchases of common stock	(146,653)	(86,977)
Distributions to noncontrolling interest	(1,666)	(2,123)
Net cash provided by financing activities	164,941	3,570,967
Effect of exchange rate changes on cash	209	571
Net change in cash and cash equivalents	(76,339)	3,296,875
Cash and cash equivalents at beginning of fiscal year	314,019	427,367
Cash and cash equivalents at end of fiscal period	237,680	3,724,242
Supplemental disclosure of cash flow information:
Interest	2,663	3,063
Income taxes	9,381	3,176
Franchise taxes	100	100
Other taxes	432	591
Supplemental schedule of non-cash investing activities:
Held for sale to loans and leases	14,731	0
Loans and leases to held for sale	169,045	99,922
Loans and leases to rental equipment	2,634	2,378
Loans and leases to foreclosed real estate and repossessed assets	0	9
Rental equipment to loan and leases	177,193	62
Recognition of operating lease ROU assets, net of measurements	$ 0	$ 12,681

BASIS OF PRESENTATION

BASIS OF PRESENTATION	6 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The interim unaudited Condensed Consolidated Financial Statements contained herein should be read in conjunction with the audited consolidated financial statements and accompanying notes to the consolidated financial statements for the fiscal year ended September 30, 2021 included in Meta Financial Group, Inc.’s (“Meta” or the “Company”) Annual Report on Form 10-K filed with the Securities and Exchange Commission (“SEC”) on November 23, 2021. Accordingly, footnote disclosures which would substantially duplicate the disclosures contained in the audited consolidated financial statements have been omitted. The financial information of the Company included herein has been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. The results of the three and six months ended March 31, 2022 are not necessarily indicative of the results expected for the fiscal year ending September 30, 2022.

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND RECENTLY ADOPTED ACCOUNTING STANDARDS UPDATES ("ASU")	6 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND RECENTLY ADOPTED ACCOUNTING STANDARDS UPDATES (ASU)	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND RECENTLY ADOPTED ACCOUNTING STANDARDS UPDATES ("ASU") Significant accounting policies in effect and disclosed within the Company’s most recent audited consolidated financial statements as of September 30, 2021 remain substantially unchanged. The following ASUs became effective for the Company on October 1, 2021, none of which had a material impact on the Company’s significant accounting policies or Condensed Consolidated Financial Statements: – ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes. – ASU 2020-08 , Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable Fees and Other Costs. – ASU 2020-10, Codification Improvements.

SIGNIFICANT EVENTS

SIGNIFICANT EVENTS	6 Months Ended
	Mar. 31, 2022
Unusual or Infrequent Items, or Both [Abstract]
SIGNIFICANT EVENTS	SIGNIFICANT EVENTS Rebranding On December 7, 2021, the Company executed a Purchase Agreement (the “Agreement”) with Beige Key, LLC (the “Assignee”) for the sale of all of the Company’s worldwide right, title and interest in and to company names and tradenames including Meta and other "Meta" formative names including MetaBank and Meta Financial Group, and the domain names, social media accounts and goodwill associated with the foregoing (collectively, the “Meta” tradenames) in exchange for $60.0 million in cash. Subject to the terms and conditions set forth in the Agreement, the Company has one year from the Agreement execution date to phase out and cease all use of the Meta tradenames. From the date of the Agreement until the date such phase out is completed (the “Phase Out Period”), Assignee has granted the Company a non-exclusive royalty free license in the United States and Canada to use the Meta tradenames in the manner in which they were used by the Company prior to the Agreement. The Company received $50.0 million upon execution and delivery of the Agreement, at which time the Meta tradenames were assigned to the Assignee. The Company has recognized the $50.0 million as noninterest income during the period ended December 31, 2021. The remaining $10.0 million was paid by the Assignee and is being held in an escrow account by a third-party agent until the agreed upon activities within the Phase Out Period have been completed, at which time the funds will be released to the Company. The Company’s receipt of the $10.0 million payment is contingent upon phase out activities that have not yet been completed and has not been recognized in the Company’s consolidated financial statements for the fiscal quarter ended March 31, 2022. On March 29, 2022, the Company announced it is changing its name to Pathward Financial, Inc.™ ("Pathward"), and its bank subsidiary MetaBank®, N.A. is changing to Pathward™, N.A. Certain changes will be made immediately, with a full transition to Pathward expected by the end of this calendar year, including the launch of a new brand identity and website. The Company will continue to serve its customers under existing brand names during the transition. The Company recognized $2.8 million of noninterest expense related to rebranding efforts during the second quarter of fiscal 2022.

SECURITIES

SECURITIES	6 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The amortized cost, gross unrealized gains and losses and estimated fair values of available for sale ("AFS") and held to maturity ("HTM") debt securities are presented below. Debt Securities AFS (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair At March 31, 2022 Corporate securities $ 25,000 $ — $ (1,750) $ 23,250 SBA securities 137,330 1,429 (1,359) 137,400 Obligations of states and political subdivisions 2,777 1 (72) 2,706 Non-bank qualified obligations of states and political subdivisions 249,576 153 (9,306) 240,423 Asset-backed securities 361,408 1,636 (9,463) 353,581 Mortgage-backed securities 1,360,741 232 (74,855) 1,286,118 Total debt securities AFS $ 2,136,832 $ 3,451 $ (96,805) $ 2,043,478 At September 30, 2021 Corporate securities $ 25,000 $ — $ — $ 25,000 SBA securities 151,958 5,251 — 157,209 Obligations of states and political subdivisions 2,497 10 — 2,507 Non-bank qualified obligations of states and political subdivisions 266,048 3,347 (1,100) 268,295 Asset-backed securities 393,103 3,003 (1,247) 394,859 Mortgage-backed securities 1,016,478 9,728 (9,177) 1,017,029 Total debt securities AFS $ 1,855,084 $ 21,339 $ (11,524) $ 1,864,899 Debt Securities HTM (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair At March 31, 2022 Non-bank qualified obligations of states and political subdivisions $ 44,369 $ — $ (1,768) $ 42,601 Mortgage-backed securities 2,918 — (83) 2,835 Total debt securities HTM $ 47,287 $ — $ (1,851) $ 45,436 At September 30, 2021 Non-bank qualified obligations of states and political subdivisions $ 52,944 $ 103 $ (471) $ 52,576 Mortgage-backed securities 3,725 90 — 3,815 Total debt securities HTM $ 56,669 $ 193 $ (471) $ 56,391 Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous loss position, were as follows: LESS THAN 12 MONTHS OVER 12 MONTHS TOTAL (Dollars in thousands) Fair Gross Unrealized (Losses) Fair Gross Unrealized (Losses) Fair Gross Unrealized (Losses) Debt Securities AFS At March 31, 2022 Corporate securities $ 23,250 $ (1,750) $ — $ — $ 23,250 $ (1,750) SBA securities 50,022 (1,359) — — 50,022 (1,359) Obligations of state and political subdivisions 2,158 (72) — — 2,158 (72) Non-bank qualified obligations of states and political subdivisions 214,073 (9,180) 1,314 (126) 215,387 (9,306) Asset-backed securities 154,196 (4,375) 111,397 (5,088) 265,593 (9,463) Mortgage-backed securities 1,014,462 (58,435) 206,040 (16,420) 1,220,502 (74,855) Total debt securities AFS $ 1,458,161 $ (75,171) $ 318,751 $ (21,634) $ 1,776,912 $ (96,805) At September 30, 2021 Non-bank qualified obligations of states and political subdivisions $ 101,046 $ (1,100) $ — $ — $ 101,046 $ (1,100) Asset-backed securities 127,110 (283) 91,553 (964) 218,663 (1,247) Mortgage-backed securities 759,035 (7,418) 60,792 (1,759) 819,827 (9,177) Total debt securities AFS $ 987,191 $ (8,801) $ 152,345 $ (2,723) $ 1,139,536 $ (11,524) Debt Securities HTM At March 31, 2022 Non-bank qualified obligations of states and political subdivisions $ 42,602 $ (1,768) $ — $ — $ 42,602 $ (1,768) Mortgage-backed securities 2,835 (83) — — 2,835 (83) Total debt securities HTM $ 45,437 $ (1,851) $ — $ — $ 45,437 $ (1,851) At September 30, 2021 Non-bank qualified obligations of states and political subdivisions $ 26,096 $ (471) $ — $ — $ 26,096 $ (471) Total debt securities HTM $ 26,096 $ (471) $ — $ — $ 26,096 $ (471) At March 31, 2022, there were 80 securities AFS in an unrealized loss position. Management assessed each investment security with unrealized losses for credit loss and determined substantially all unrealized losses on these securities were due to credit spreads and interest rates versus credit loss. As part of that assessment, management evaluated and concluded that it is more-likely-than-not that the Company will not be required and does not intend to sell any of the securities prior to recovery of the amortized cost. At March 31, 2022, there was no ACL for debt securities AFS. The amortized cost and fair value of debt securities by contractual maturity are shown below. Certain securities have call features that allow the issuer to call the security prior to maturity. Expected maturities may differ from contractual maturities in mortgage-backed securities ("MBS") because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Therefore, MBS are not included in the maturity categories in the following maturity summary. The expected maturities of certain SBA securities may differ from contractual maturities because the borrowers may have the right to prepay the obligation. However, certain prepayment penalties may apply. (Dollars in thousands) At March 31, 2022 At September 30, 2021 Securities AFS at Fair Value Amortized Cost Fair Amortized Cost Fair Due in one year or less $ 240 $ 241 $ 810 $ 822 Due after one year through five years 11,029 10,855 13,026 13,378 Due after five years through ten years 74,314 71,056 50,785 52,357 Due after ten years 690,508 675,208 773,985 781,313 776,091 757,360 838,606 847,870 Mortgage-backed securities 1,360,741 1,286,118 1,016,478 1,017,029 Total securities AFS, at fair value $ 2,136,832 $ 2,043,478 $ 1,855,084 $ 1,864,899 At March 31, 2022 At September 30, 2021 (Dollars in thousands) Amortized Cost Fair Amortized Cost Fair Securities HTM at Fair Value Due after ten years $ 44,369 $ 42,601 $ 52,944 $ 52,576 44,369 42,601 52,944 52,576 Mortgage-backed securities 2,918 2,835 3,725 3,815 Total securities HTM, at cost $ 47,287 $ 45,436 $ 56,669 $ 56,391 Equity Securities The Company held $3.9 million at March 31, 2022 and $12.7 million at September 30, 2021 in marketable equity securities. The Company recognized $3.8 million and none in unrealized loss on marketable equity securities during the six months ended March 31, 2022 and 2021, respectively, which is attributable to an investee becoming publicly traded during fiscal year 2021. All other marketable equity securities and related activity were insignificant for the six months ended March 31, 2022 and 2021. There was one marketable security sold during the six months ended March 31, 2022 for a $0.3 million gain. Non-marketable equity securities with a readily determinable fair value totaled $6.2 million at March 31, 2022 and $4.6 million at September 30, 2021. The Company recognized $0.3 million in unrealized gains and $0.2 million in unrealized gains during the six months ended March 31, 2022 and 2021, respectively. No such securities were sold during the six months ended March 31, 2022. Non-marketable equity securities without readily determinable fair value totaled $20.9 million at March 31, 2022 and $16.0 million at September 30, 2021. There was one security sold during the six months ended March 31, 2022 for a $0.1 million gain . FRB Stock The Bank is required by federal law to subscribe to capital stock (divided into shares of $100 each) as a member of the FRB of Minneapolis with an amount equal to six per centum of the paid-up capital stock and surplus. One-half of the subscription is paid at time of application, and one-half is subject to call of the Board of Governors of the Federal Reserve System. FRB of Minneapolis stock held by the Bank totaled $19.7 million at March 31, 2022 and September 30, 2021. These equity securities are 'restricted' in that they can only be owned by member banks. FHLB Stock The Company's borrowings from the FHLB are secured by specific investment securities. Such advances can be made pursuant to several different credit programs, each of which has its own interest rate and range of maturities. The investments in the FHLB stock are required investments related to the Company's membership in and current borrowings from the FHLB of Des Moines. The investments in the FHLB of Des Moines could be adversely impacted by the financial operations of the FHLB and actions of their regulator, the Federal Housing Finance Agency. The FHLB stock is carried at cost since it is generally redeemable at par value. The carrying value of the stock held at the FHLB was $9.1 million at March 31, 2022 and $8.7 million at September 30, 2021. These equity securities are ‘restricted’ in that they can only be sold back to the respective institution from which they were acquired or another member institution at par. Therefore, FRB and FHLB stocks are less liquid than other marketable equity securities, and the fair value approximates cost. Equity Security Impairment The Company evaluates impairment for investments held at cost on at least an annual basis based on the ultimate recoverability of the par value. All other equity investments, including those under the equity method, are reviewed for other-than-temporary impairment on at least a quarterly basis. The Company recognized no impairment for such investments for the six months ended March 31, 2022.

LOANS AND LEASES, NET

LOANS AND LEASES, NET	6 Months Ended
	Mar. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]
LOANS AND LEASES, NET	89 Days Past Due Total Past Due Current Total Loans and Leases Receivable > 89 Days Past Due and Accruing Nonaccrual Balance Total Loans held for sale $ — $ — $ — $ — $ 31,410 $ 31,410 $ — $ — $ — Term lending 17,081 1,495 5,243 23,819 1,087,257 1,111,076 1,400 10,283 11,683 Asset based lending 7 — — 7 382,348 382,355 — 5,996 5,996 Factoring — — — — 394,865 394,865 — 3,961 3,961 Lease financing 4,932 — 4,199 9,131 226,266 235,397 3,346 3,064 6,410 Insurance premium finance 1,149 768 955 2,872 400,809 403,681 955 — 955 SBA/USDA 1,462 311 1,597 3,370 210,825 214,195 — 2,023 2,023 Other commercial finance — — — — 173,260 173,260 — — — Commercial finance 24,631 2,574 11,994 39,199 2,875,630 2,914,829 5,701 25,327 31,028 Consumer credit products 4,092 3,489 3,050 10,631 161,216 171,847 3,050 — 3,050 Other consumer finance 1,737 1,986 1,764 5,487 106,435 111,922 1,764 — 1,764 Consumer finance 5,829 5,475 4,814 16,118 267,651 283,769 4,814 — 4,814 Tax services 830 — — 830 85,169 85,999 — — — Warehouse finance — — — — 441,496 441,496 — — — Community banking — — — — — — — — — Total loans and leases held for investment 31,290 8,049 16,808 56,147 3,669,946 3,726,093 10,515 25,327 35,842 Total loans and leases $ 31,290 $ 8,049 $ 16,808 $ 56,147 $ 3,701,356 $ 3,757,503 $ 10,515 $ 25,327 $ 35,842 At September 30, 2021 Accruing and Nonaccruing Loans and Leases Nonperforming Loans and Leases (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due > 89 Days Past Due Total Past Due Current Total Loans and Leases Receivable > 89 Days Past Due and Accruing Nonaccrual Balance Total Loans held for sale $ — $ — $ — $ — $ 56,194 $ 56,194 $ — $ — $ — Term lending 11,879 2,703 5,452 20,034 940,985 961,019 2,558 14,904 17,462 Asset based lending — — — — 300,225 300,225 — — — Factoring — — — — 363,670 363,670 — 1,268 1,268 Lease financing 4,909 3,336 8,401 16,646 249,404 266,050 8,345 3,158 11,503 Insurance premium finance 1,415 375 599 2,389 426,478 428,867 599 — 599 SBA/USDA 66 974 987 2,027 245,729 247,756 987 — 987 Other commercial finance — — — — 157,908 157,908 — — — Commercial finance 18,269 7,388 15,439 41,096 2,684,399 2,725,495 12,489 19,330 31,819 Consumer credit products 713 527 511 1,751 127,500 129,251 511 — 511 Other consumer finance 963 285 725 1,973 121,633 123,606 725 — 725 Consumer finance 1,676 812 1,236 3,724 249,133 252,857 1,236 — 1,236 Tax services — — 7,962 7,962 2,443 10,405 7,962 — 7,962 Warehouse finance — — — — 419,926 419,926 — — — Community banking — — — — 199,132 199,132 — 14,915 14,915 Total loans and leases held for investment 19,945 8,200 24,637 52,782 3,555,033 3,607,815 21,687 34,245 55,932 Total loans and leases $ 19,945 $ 8,200 $ 24,637 $ 52,782 $ 3,611,227 $ 3,664,009 $ 21,687 $ 34,245 $ 55,932 Nonaccrual loans and leases by year of origination at March 31, 2022 were as follows: Amortized Cost Basis Term Loans and Leases by Origination Year Revolving Loans and Leases Total Nonaccrual with No ACL (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Term lending $ 158 $ 688 $ 2,018 $ 6,851 $ 448 $ 120 $ — $ 10,283 $ 2,958 Asset based lending — — — — — — 5,996 5,996 — Factoring — — — — — — 3,961 3,961 3,525 Lease financing — — 420 2,190 440 14 — 3,064 — SBA/USDA — 22 1,690 — — 311 — 2,023 — Commercial finance 158 710 4,128 9,041 888 445 9,957 25,327 6,483 Total nonaccrual loans and leases $ 158 $ 710 $ 4,128 $ 9,041 $ 888 $ 445 $ 9,957 $ 25,327 $ 6,483 Loans and leases that are 90 days or more delinquent and accruing by year of origination at March 31, 2022 were as follows: Amortized Cost Basis Term Loans and Leases by Origination Year Revolving Loans and Leases Total (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Term lending $ 421 $ 330 $ 549 $ 100 $ — $ — $ — $ 1,400 Lease financing 1,680 883 398 161 128 96 — 3,346 Insurance premium finance 188 762 5 — — — — 955 Commercial finance 2,289 1,975 952 261 128 96 — 5,701 Consumer credit products 119 2,781 39 91 20 — — 3,050 Other consumer finance 1,034 130 — — — 600 — 1,764 Consumer finance 1,153 2,911 39 91 20 600 — 4,814 Total 90 days or more delinquent and accruing $ 3,442 $ 4,886 $ 991 $ 352 $ 148 $ 696 $ — $ 10,515 Certain loans and leases 90 days or more past due as to interest or principal continue to accrue because they are (1) well-secured and in the process of collection or (2) consumer loans exempt under regulatory rules from being classified as nonaccrual until later delinquency, usually 120 days past due. When analysis of borrower or lessee operating results and financial condition indicates that underlying cash flows of the borrower’s business are not adequate to meet its debt service requirements, the loan or lease is evaluated for impairment. Often, this is associated with a delay or shortfall in scheduled payments, as described above. The following table provides the average recorded investment in nonaccrual loans and leases: Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands) 2022 2021 2022 2021 Term lending $ 10,688 $ 12,729 $ 12,305 $ 13,802 Asset based lending 5,993 572 5,002 823 Factoring 9,791 44 11,019 490 Lease financing 3,020 2,990 3,027 3,273 SBA/USDA 1,464 600 840 600 Commercial finance 30,956 16,935 32,193 18,988 Community banking — 20,199 — 14,316 Total loans and leases $ 30,956 $ 37,134 $ 32,193 $ 33,304 The recognized interest income on the Company's nonaccrual loans and leases for the three and six months ended March 31, 2022 and 2021 was not significant. The Company’s troubled debt restructurings ("TDRs") typically involve forgiving a portion of interest or principal on existing loans, making loans at a rate materially less than current market rates, or extending the term of the loan. There were $0.2 million of commercial finance loans and $0.2 million of consumer finance loans that were modified in a TDR during the three months ended March 31, 2022, all of which were modified to extend the term of the loan. There were $2.1 million of commercial finance loans that were modified in a TDR during the three months ended March 31, 2021, all of which were modified to extend the term of the loan, and no community banking loans. During the six months ended March 31, 2022, there were $10.3 million of commercial finance loans and $0.2 million of consumer finance loans that were modified in a TDR, all of which were modified to extend the term of the loan. There were $2.1 million of commercial finance loans and $0.1 million of consumer finance loans that were modified in a TDR during the six months ended March 31, 2021 and no community banking loans." id="sjs-B4">LOANS AND LEASES, NET Loans and leases consist of the following: (Dollars in thousands) March 31, 2022 September 30, 2021 Term lending $ 1,111,076 $ 961,019 Asset based lending 382,355 300,225 Factoring 394,865 363,670 Lease financing 235,397 266,050 Insurance premium finance 403,681 428,867 SBA/USDA 214,195 247,756 Other commercial finance 173,260 157,908 Commercial finance 2,914,829 2,725,495 Consumer credit products 171,847 129,251 Other consumer finance 111,922 123,606 Consumer finance 283,769 252,857 Tax services 85,999 10,405 Warehouse finance 441,496 419,926 Community banking — 199,132 Total loans and leases 3,726,093 3,607,815 Net deferred loan origination costs 4,097 1,748 Total gross loans and leases 3,730,190 3,609,563 Allowance for credit losses (88,552) (68,281) Total loans and leases, net $ 3,641,638 $ 3,541,282 During the six months ended March 31, 2022, the Company transferred $169.0 million of Community Banking loans to held for sale. During the six months ended March 31, 2021, the Company transferred $99.9 million of Community Banking loans to held for sale. During the six months ended March 31, 2022 and 2021, the Company originated $555.4 million and $361.7 million of consumer finance and SBA/USDA as held for sale, respectively. The Company sold held for sale loans resulting in proceeds of $723.9 million and loss on sale of $4.1 million during the six months ended March 31, 2022. The Company sold held for sale loans resulting in proceeds of $476.0 million and gains on sale of $4.6 million during the six months ended March 31, 2021. In connection with the Company's sale of the Bank's Community Bank division to Central Bank, the Company entered into a servicing agreement with Central Bank for the retained Community Bank loan portfolio that became effective on February 29, 2020 (the "Closing Date"). The Company recognized $0.2 million and $1.6 million in servicing fee expense during the six months ended March 31, 2022 and 2021, respectively, and $3.3 million for the fiscal year ended September 30, 2021. Since the Closing Date, the Company has entered into subsequent loan portfolio sale agreements with Central Bank and other third parties. The Company sold additional loans from the retained Community Bank portfolio in the amount of $192.5 million and $233.0 million in the six months ended March 31, 2022 and 2021, respectively, and $308.1 million for the fiscal year ended September 30, 2021. All loans from the retained Community Bank portfolio have been sold as of December 31, 2021. Loans purchased and sold by portfolio segment, including participation interests, were as follows: Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands) 2022 2021 2022 2021 Loans Purchased Loans held for investment: Commercial finance $ 1,378 $ — $ 3,098 $ — Warehouse finance 29,822 33,605 85,815 96,236 Community banking — 548 — 2,847 Total purchases $ 31,200 $ 34,153 $ 88,913 $ 99,083 Loans Sold Loans held for sale: Commercial finance $ 14,090 $ 4,591 $ 47,113 $ 34,915 Consumer finance 147,163 19,791 523,607 311,331 Community banking — — 153,222 129,788 Loans held for investment: Commercial finance 15,549 — 15,549 — Community banking — — 30,235 — Total sales $ 176,802 $ 24,382 $ 769,726 $ 476,034 Leasing Portfolio. The net investment in direct financing and sales-type leases was comprised of the following: (Dollars in thousands) March 31, 2022 September 30, 2021 Carrying amount $ 244,030 $ 278,341 Unguaranteed residual assets 13,009 14,393 Unamortized initial direct costs 406 490 Unearned income (21,642) (26,684) Total net investment in direct financing and sales-type leases $ 235,803 $ 266,540 Undiscounted future minimum lease payments receivable for direct financing and sales-type leases, and a reconciliation to the carrying amount recorded at March 31, 2022 were as follows: (Dollars in thousands) Remaining in 2022 $ 52,751 2023 90,718 2024 59,489 2025 28,337 2026 9,087 Thereafter 3,648 Total undiscounted future minimum lease payments receivable for direct financing and sales-type leases 244,030 Third-party residual value guarantees — Total carrying amount of direct financing and sales-type leases $ 244,030 The Company did not record any contingent rental income from direct financing and sales-type leases in the six months ended March 31, 2022. The COVID-19 pandemic began impacting the U.S. and global economies in the first calendar quarter of 2020, with significant deterioration of macroeconomic conditions and markets into 2021. Although macroeconomic conditions and markets have improved since the beginning of 2021, the ultimate impact of this pandemic on the Company's loan and lease portfolio remains difficult to predict. Management continues to evaluate the loan and lease portfolio in order to assess the impact on repayment sources and underlying collateral that could result in additional losses and the impact to our customers and businesses as a result of COVID-19 and will refine its estimate as more information becomes available. Activity in the allowance for credit losses and balances of loans and leases by portfolio segment was as follows: Three Months Ended March 31, 2022 (Dollars in thousands) Beginning Balance Provision (Reversal) Charge-offs Recoveries Ending Balance Allowance for credit losses: Term lending $ 26,722 $ 1,954 $ (1,822) $ 714 $ 27,568 Asset based lending 2,758 (175) — — 2,583 Factoring 15,242 823 (9,590) 51 6,526 Lease financing 6,857 (395) (95) 104 6,471 Insurance premium finance 1,044 59 (106) 60 1,057 SBA/USDA 2,996 (53) — — 2,943 Other commercial finance 1,349 (152) — — 1,197 Commercial finance 56,968 2,061 (11,613) 929 48,345 Consumer credit products 1,627 (6) — — 1,621 Other consumer finance 6,960 1,157 (802) 73 7,388 Consumer finance 8,587 1,151 (802) 73 9,009 Tax services 1,601 28,972 — 184 30,757 Warehouse finance 467 (26) — — 441 Community banking — (2) — 2 — Total loans and leases 67,623 32,156 (12,415) 1,188 88,552 Unfunded commitments (1) 405 146 — — 551 Total $ 68,028 $ 32,302 $ (12,415) $ 1,188 $ 89,103 (1) Reserve for unfunded commitments is recognized within other liabilities on the Condensed Consolidated Statements of Financial Condition. Three Months Ended March 31, 2021 (Dollars in thousands) Beginning Balance Provision (Reversal) (2) Charge-offs Recoveries Ending Balance Allowance for credit losses: Term lending $ 28,220 $ 1,396 $ (2,477) $ 176 $ 27,315 Asset based lending 1,809 539 (599) — 1,749 Factoring 3,719 (545) — 36 3,210 Lease financing 6,784 420 (471) 130 6,863 Insurance premium finance 1,285 103 (149) 87 1,326 SBA/USDA 3,164 136 — — 3,300 Other commercial finance 479 62 — — 541 Commercial finance 45,460 2,111 (3,696) 429 44,304 Consumer credit products 835 155 — — 990 Other consumer finance 10,176 266 (419) 70 10,093 Consumer finance 11,011 421 (419) 70 11,083 Tax services 1,412 27,680 — 54 29,146 Warehouse finance 319 13 — — 332 Community banking 14,187 (26) (134) — 14,027 Total loans and leases 72,389 30,199 (4,249) 553 98,892 Unfunded commitments (1) 688 91 — — 779 Total $ 73,077 $ 30,290 $ (4,249) $ 553 $ 99,671 (1) Reserve for unfunded commitments is recognized within other liabilities on the Condensed Consolidated Statements of Financial Condition. (2) As a result of the adoption of CECL, effective October 1, 2020, the provision for credit losses includes the provision for unfunded commitments that was previously included within other noninterest expense. Six Months Ended March 31, 2022 (Dollars in thousands) Beginning Balance Provision (Reversal) Charge-offs Recoveries Ending Balance Allowance for credit losses: Term lending $ 29,351 $ 1,095 $ (3,906) $ 1,028 $ 27,568 Asset based lending 1,726 736 (16) 137 2,583 Factoring 3,997 13,324 (10,864) 69 6,526 Lease financing 7,629 (1,217) (112) 171 6,471 Insurance premium finance 1,394 (211) (283) 157 1,057 SBA/USDA 2,978 180 (217) 2 2,943 Other commercial finance 1,168 29 — — 1,197 Commercial finance 48,243 13,936 (15,398) 1,564 48,345 Consumer credit products 1,242 379 — — 1,621 Other consumer finance 6,112 2,718 (1,622) 180 7,388 Consumer finance 7,354 3,097 (1,622) 180 9,009 Tax services 2 28,259 (254) 2,750 30,757 Warehouse finance 420 21 — — 441 Community banking 12,262 (12,686) — 424 — Total loans and leases 68,281 32,627 (17,274) 4,918 88,552 Unfunded commitments (1) 690 (139) — — 551 Total $ 68,971 $ 32,488 $ (17,274) $ 4,918 $ 89,103 (1) Reserve for unfunded commitments is recognized within other liabilities on the Consolidated Statements of Financial Condition. Six Months Ended March 31, 2021 (Dollars in thousands) Beginning Balance Impact of CECL Adoption Provision (Reversal) (2) Charge-offs Recoveries Ending Balance Allowance for credit losses: Term lending $ 15,211 $ 9,999 $ 7,422 $ (5,789) $ 472 $ 27,315 Asset based lending 1,406 164 1,378 (1,199) — 1,749 Factoring 3,027 987 (1,961) (1) 1,158 3,210 Lease financing 7,023 (556) 1,532 (1,347) 211 6,863 Insurance premium finance 2,129 (965) 591 (805) 376 1,326 SBA/USDA 940 2,720 (361) — 1 3,300 Other commercial finance 182 364 (5) — — 541 Commercial finance 29,918 12,713 8,596 (9,141) 2,218 44,304 Consumer credit products 845 — 145 — — 990 Other consumer finance 2,821 5,998 1,748 (637) 163 10,093 Consumer finance 3,666 5,998 1,893 (637) 163 11,083 Tax services 2 — 28,134 — 1,010 29,146 Warehouse finance 294 (1) 39 — — 332 Community banking 22,308 (5,937) (2,199) (145) — 14,027 Total loans and leases 56,188 12,773 36,463 (9,923) 3,391 98,892 Unfunded commitments (1) 32 831 (84) — — 779 Total $ 56,220 $ 13,604 $ 36,379 $ (9,923) $ 3,391 $ 99,671 (1) Reserve for unfunded commitments is recognized within other liabilities on the Consolidated Statements of Financial Condition. (2) As a result of the adoption of CECL, effective October 1, 2020, the provision for credit losses includes the provision for unfunded commitments that was previously included within other noninterest expense. Information on loans and leases that are deemed to be collateral dependent and are evaluated individually for the ACL was as follows: (Dollars in thousands) At March 31, 2022 At September 30, 2021 Term lending $ 60,400 $ 20,965 Asset based lending 5,992 — Factoring 26,625 1,268 Lease financing 12,289 3,882 SBA/USDA 1,282 — Commercial finance (1) 106,588 26,115 Community banking — 14,915 Total $ 106,588 $ 41,030 (1) For commercial finance, collateral dependent financial assets have collateral in the form of cash, equipment, or other business assets. In response to the ongoing COVID-19 pandemic, the Company allowed modifications, such as payment deferrals and temporary forbearances, to credit-worthy borrowers who are experiencing temporary hardship due to the effects of COVID-19. Accordingly, if all payments were less than 30 days past due prior to the onset of the pandemic effects, the loan or lease will not be reported as past due during the deferral or forbearance period. As of March 31, 2022, $0.4 million of loan and lease balances that were granted deferral payments by the Company were still in their deferment period. These modifications consisted solely of payment deferrals ranging from 30 days to six months. These modifications are in line with applicable regulatory guidelines and, therefore, they are not reported as troubled debt restructurings. Other than the loan modifications that are on nonaccrual status, the Company is accruing and recognizing interest income on these modifications during the payment deferral period. Federal regulations provide for the classification of loans and other assets such as debt and equity securities considered by the Bank's primary regulator, the Office of the Comptroller of the Currency (the “OCC”), to be of lesser quality as “substandard,” “doubtful” or “loss.” The loan classification and risk rating definitions are as follows: Pass - A pass asset is of sufficient quality in terms of repayment, collateral and management to preclude a special mention or an adverse rating. Watch - A watch asset is generally a credit performing well under current terms and conditions but with identifiable weakness meriting additional scrutiny and corrective measures. Watch is not a regulatory classification but can be used to designate assets that are exhibiting one or more weaknesses that deserve management’s attention. These assets are of better quality than special mention assets. Special Mention - A special mention asset is a credit with potential weaknesses deserving management’s close attention and, if left uncorrected, may result in deterioration of the repayment prospects for the asset. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Special mention is a temporary status with aggressive credit management required to garner adequate progress and move to watch or higher. The adverse classifications are as follows: Substandard - A substandard asset is inadequately protected by the net worth and/or repayment ability or by a weak collateral position. Assets so classified will have well-defined weaknesses creating a distinct possibility the Bank will sustain some loss if the weaknesses are not corrected. Loss potential does not have to exist for an asset to be classified as substandard. Doubtful - A doubtful asset has weaknesses similar to those classified substandard, with the degree of weakness causing the likely loss of some principal in any reasonable collection effort. Due to pending factors, the asset’s classification as loss is not yet appropriate. Loss - A loss asset is considered uncollectible and of such little value that the asset’s continuance on the Bank’s balance sheet is no longer warranted. This classification does not necessarily mean an asset has no recovery or salvage value, leaving room for future collection efforts. Loans and leases, or portions thereof, are generally charged off when collection of principal becomes doubtful. Typically, this is associated with a delay or shortfall in payments of 210 days or more for commercial insurance premium finance, 180 days or more for the purchased student loan portfolios, 120 days or more for consumer credit products and leases, and 90 days or more for community banking loans and commercial finance loans. Action is taken to charge off ERO loans if such loans have not been collected by the end of June and taxpayer advance loans if such loans have not been collected by the end of the calendar year. Nonaccrual loans and troubled debt restructurings are generally individually evaluated for expected credit losses. The Company recognizes that concentrations of credit may naturally occur and may take the form of a large volume of related loans and leases to an individual, a specific industry, or a geographic location. Credit concentration is a direct, indirect, or contingent obligation that has a common bond where the aggregate exposure equals or exceeds a certain percentage of the Company’s Tier 1 Capital plus the allowable Allowance for Credit Losses. The Company has various portfolios of consumer finance and tax services loans that present unique risks that are statistically managed. Due to the unique risks associated with these portfolios, the Company monitors other credit quality indicators in their evaluation of the appropriateness of the allowance for credit losses on these portfolios, and as such, these loans are not included in the asset classification table below. The outstanding balances of consumer finance loans and tax services loans were $283.8 million and $86.0 million at March 31, 2022, respectively, and $252.9 million and $10.4 million at September 30, 2021, respectively. The amortized cost basis of loans and leases by asset classification and year of origination was as follows: Amortized Cost Basis (Dollars in thousands) Term Loans and Leases by Origination Year Revolving Loans and Leases Total At March 31, 2022 2022 2021 2020 2019 2018 Prior Term lending Pass $ 258,394 $ 285,900 $ 158,324 $ 55,586 $ 37,818 $ 7,731 $ — $ 803,753 Watch 27,001 94,061 55,194 23,806 2,776 2,511 — 205,349 Special Mention 1,603 9,254 16,083 3,761 607 2,954 — 34,262 Substandard 6,423 15,352 23,760 14,961 2,181 3,201 — 65,878 Doubtful 198 346 545 676 69 — — 1,834 Total 293,619 404,913 253,906 98,790 43,451 16,397 — 1,111,076 Asset based lending Pass — — — — — — 234,134 234,134 Watch — — — — — — 83,379 83,379 Special Mention — — — — — — 49,695 49,695 Substandard — — — — — — 15,147 15,147 Total — — — — — — 382,355 382,355 Factoring Pass — — — — — — 298,546 298,546 Watch — — — — — — 46,702 46,702 Special Mention — — — — — — 25,300 25,300 Substandard — — — — — — 24,289 24,289 Doubtful — — — — — — 28 28 Total — — — — — — 394,865 394,865 Lease financing Pass 22,840 52,747 57,885 9,223 4,703 222 — 147,620 Watch 1,021 10,724 13,759 7,221 2,418 43 — 35,186 Special Mention 730 15,835 7,658 411 310 238 — 25,182 Substandard 15 5,561 11,160 7,700 1,210 22 — 25,668 Doubtful — 140 406 1,195 — — — 1,741 Total 24,606 85,007 90,868 25,750 8,641 525 — 235,397 Insurance premium finance Pass 337,078 65,850 24 2 — — — 402,954 Watch 110 133 — — — — — 243 Special Mention 4 268 — — — — — 272 Substandard — 148 — — — — — 148 Doubtful — 64 — — — — — 64 Total 337,192 66,463 24 2 — — — 403,681 SBA/USDA Pass 29,689 72,935 21,521 11,737 12,299 8,786 — 156,967 Watch 904 — 19,595 2,845 968 1,344 — 25,656 Special Mention — — 1,618 213 3,970 985 — 6,786 Substandard — — 6,109 7,554 7,975 2,811 — 24,449 Doubtful — 22 315 — — — — 337 Total 30,593 72,957 49,158 22,349 25,212 13,926 — 214,195 Other commercial finance Pass 20,122 28,761 799 9,017 2,134 66,399 — 127,232 Watch — 20,000 13,282 — 443 — — 33,725 Substandard 166 9,827 — — 267 2,043 — 12,303 Total 20,288 58,588 14,081 9,017 2,844 68,442 — 173,260 Warehouse finance Pass — — — — — — 441,496 441,496 Total — — — — — — 441,496 441,496 Total loans and leases Pass 668,123 506,193 238,553 85,565 56,954 83,138 974,176 2,612,702 Watch 29,036 124,918 101,830 33,872 6,605 3,898 130,081 430,240 Special Mention 2,337 25,357 25,359 4,385 4,887 4,177 74,995 141,497 Substandard 6,604 30,888 41,029 30,215 11,633 8,077 39,436 167,882 Doubtful 198 572 1,266 1,871 69 — 28 4,004 Total $ 706,298 $ 687,928 $ 408,037 $ 155,908 $ 80,148 $ 99,290 $ 1,218,716 $ 3,356,325 Amortized Cost Basis (Dollars in thousands) Term Loans and Leases by Origination Year Revolving Loans and Leases Total At September 30, 2021 2021 2020 2019 2018 2017 Prior Term lending Pass $ 362,443 $ 192,305 $ 63,708 $ 34,381 $ 3,195 $ 1,236 $ — $ 657,268 Watch 63,046 71,701 32,941 21,419 76 3,628 — 192,811 Special Mention 6,422 26,673 4,821 932 70 633 — 39,551 Substandard 18,569 16,810 26,920 3,529 928 641 — 67,397 Doubtful 252 1,673 1,756 311 — — — 3,992 Total 450,732 309,162 130,146 60,572 4,269 6,138 — 961,019 Asset based lending Pass — — — — — — 185,432 185,432 Watch — — — — — — 52,072 52,072 Special Mention — — — — — — 43,135 43,135 Substandard — — — — — — 19,586 19,586 Total — — — — — — 300,225 300,225 Factoring Pass — — — — — — 294,124 294,124 Watch — — — — — — 17,984 17,984 Special Mention — — — — — — 33,035 33,035 Substandard — — — — — — 18,527 18,527 Total — — — — — — 363,670 363,670 Lease financing Pass 54,434 73,629 17,153 7,511 1,857 203 — 154,787 Watch 22,061 20,455 9,274 2,739 1,454 — — 55,983 Special Mention 15,402 20,595 4,148 1,546 61 — — 41,752 Substandard 479 4,765 4,981 831 25 — — 11,081 Doubtful — 6 2,402 38 1 — — 2,447 Total 92,376 119,450 37,958 12,665 3,398 203 — 266,050 Insurance premium finance Pass 428,131 144 9 — — — — 428,284 Watch 262 5 — — — — — 267 Special Mention 58 5 — — — — — 63 Substandard 68 107 — — — — — 175 Doubtful 58 20 — — — — — 78 Total 428,577 281 9 — — — — 428,867 SBA/USDA Pass 110,122 37,006 14,461 12,760 6,525 3,779 — 184,653 Watch — 20,431 1,996 1,670 1,394 298 — 25,789 Special Mention — 8,333 214 3,348 177 919 — 12,991 Substandard — 3,812 9,550 8,079 2,169 713 — 24,323 Total 110,122 69,582 26,221 25,857 10,265 5,709 — 247,756 Other commercial finance Pass 56,957 642 5,786 6,075 3,345 60,965 — 133,770 Watch — 17,404 3,409 451 — — — 21,264 Substandard 466 — — 273 837 1,299 — 2,875 Total 57,423 18,046 9,195 6,799 4,182 62,264 — 157,909 Warehouse finance Pass — — — — — — 419,926 419,926 Total — — — — — — 419,926 419,926 Community banking Pass — — 4,159 — 5,683 472 — 10,314 Watch — 10,134 — 10,854 6,133 — — 27,121 Special Mention — — 35,916 — — — — 35,916 Substandard — 119 49,449 50,626 13,933 6,110 — 120,237 Doubtful — 122 — 5,422 — — — 5,544 Total — 10,375 89,524 66,902 25,749 6,582 — 199,132 Total loans and leases Pass 1,012,088 303,727 105,274 60,727 20,605 66,655 899,481 2,468,557 Watch 85,369 140,131 47,620 37,132 9,057 3,926 70,056 393,291 Special Mention 21,882 55,606 45,099 5,826 307 1,552 76,171 206,443 Substandard 19,584 25,613 90,900 63,338 17,891 8,762 38,113 264,201 Doubtful 310 1,822 4,158 5,770 1 — — 12,061 Total $ 1,139,233 $ 526,899 $ 293,051 $ 172,793 $ 47,861 $ 80,895 $ 1,083,821 $ 3,344,553 Past due loans and leases were as follows: At March 31, 2022 Accruing and Nonaccruing Loans and Leases Nonperforming Loans and Leases (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due > 89 Days Past Due Total Past Due Current Total Loans and Leases Receivable > 89 Days Past Due and Accruing Nonaccrual Balance Total Loans held for sale $ — $ — $ — $ — $ 31,410 $ 31,410 $ — $ — $ — Term lending 17,081 1,495 5,243 23,819 1,087,257 1,111,076 1,400 10,283 11,683 Asset based lending 7 — — 7 382,348 382,355 — 5,996 5,996 Factoring — — — — 394,865 394,865 — 3,961 3,961 Lease financing 4,932 — 4,199 9,131 226,266 235,397 3,346 3,064 6,410 Insurance premium finance 1,149 768 955 2,872 400,809 403,681 955 — 955 SBA/USDA 1,462 311 1,597 3,370 210,825 214,195 — 2,023 2,023 Other commercial finance — — — — 173,260 173,260 — — — Commercial finance 24,631 2,574 11,994 39,199 2,875,630 2,914,829 5,701 25,327 31,028 Consumer credit products 4,092 3,489 3,050 10,631 161,216 171,847 3,050 — 3,050 Other consumer finance 1,737 1,986 1,764 5,487 106,435 111,922 1,764 — 1,764 Consumer finance 5,829 5,475 4,814 16,118 267,651 283,769 4,814 — 4,814 Tax services 830 — — 830 85,169 85,999 — — — Warehouse finance — — — — 441,496 441,496 — — — Community banking — — — — — — — — — Total loans and leases held for investment 31,290 8,049 16,808 56,147 3,669,946 3,726,093 10,515 25,327 35,842 Total loans and leases $ 31,290 $ 8,049 $ 16,808 $ 56,147 $ 3,701,356 $ 3,757,503 $ 10,515 $ 25,327 $ 35,842 At September 30, 2021 Accruing and Nonaccruing Loans and Leases Nonperforming Loans and Leases (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due > 89 Days Past Due Total Past Due Current Total Loans and Leases Receivable > 89 Days Past Due and Accruing Nonaccrual Balance Total Loans held for sale $ — $ — $ — $ — $ 56,194 $ 56,194 $ — $ — $ — Term lending 11,879 2,703 5,452 20,034 940,985 961,019 2,558 14,904 17,462 Asset based lending — — — — 300,225 300,225 — — — Factoring — — — — 363,670 363,670 — 1,268 1,268 Lease financing 4,909 3,336 8,401 16,646 249,404 266,050 8,345 3,158 11,503 Insurance premium finance 1,415 375 599 2,389 426,478 428,867 599 — 599 SBA/USDA 66 974 987 2,027 245,729 247,756 987 — 987 Other commercial finance — — — — 157,908 157,908 — — — Commercial finance 18,269 7,388 15,439 41,096 2,684,399 2,725,495 12,489 19,330 31,819 Consumer credit products 713 527 511 1,751 127,500 129,251 511 — 511 Other consumer finance 963 285 725 1,973 121,633 123,606 725 — 725 Consumer finance 1,676 812 1,236 3,724 249,133 252,857 1,236 — 1,236 Tax services — — 7,962 7,962 2,443 10,405 7,962 — 7,962 Warehouse finance — — — — 419,926 419,926 — — — Community banking — — — — 199,132 199,132 — 14,915 14,915 Total loans and leases held for investment 19,945 8,200 24,637 52,782 3,555,033 3,607,815 21,687 34,245 55,932 Total loans and leases $ 19,945 $ 8,200 $ 24,637 $ 52,782 $ 3,611,227 $ 3,664,009 $ 21,687 $ 34,245 $ 55,932 Nonaccrual loans and leases by year of origination at March 31, 2022 were as follows: Amortized Cost Basis Term Loans and Leases by Origination Year Revolving Loans and Leases Total Nonaccrual with No ACL (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Term lending $ 158 $ 688 $ 2,018 $ 6,851 $ 448 $ 120 $ — $ 10,283 $ 2,958 Asset based lending — — — — — — 5,996 5,996 — Factoring — — — — — — 3,961 3,961 3,525 Lease financing — — 420 2,190 440 14 — 3,064 — SBA/USDA — 22 1,690 — — 311 — 2,023 — Commercial finance 158 710 4,128 9,041 888 445 9,957 25,327 6,483 Total nonaccrual loans and leases $ 158 $ 710 $ 4,128 $ 9,041 $ 888 $ 445 $ 9,957 $ 25,327 $ 6,483 Loans and leases that are 90 days or more delinquent and accruing by year of origination at March 31, 2022 were as follows: Amortized Cost Basis Term Loans and Leases by Origination Year Revolving Loans and Leases Total (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Term lending $ 421 $ 330 $ 549 $ 100 $ — $ — $ — $ 1,400 Lease financing 1,680 883 398 161 128 96 — 3,346 Insurance premium finance 188 762 5 — — — — 955 Commercial finance 2,289 1,975 952 261 128 96 — 5,701 Consumer credit products 119 2,781 39 91 20 — — 3,050 Other consumer finance 1,034 130 — — — 600 — 1,764 Consumer finance 1,153 2,911 39 91 20 600 — 4,814 Total 90 days or more delinquent and accruing $ 3,442 $ 4,886 $ 991 $ 352 $ 148 $ 696 $ — $ 10,515 Certain loans and leases 90 days or more past due as to interest or principal continue to accrue because they are (1) well-secured and in the process of collection or (2) consumer loans exempt under regulatory rules from being classified as nonaccrual until later delinquency, usually 120 days past due. When analysis of borrower or lessee operating results and financial condition indicates that underlying cash flows of the borrower’s business are not adequate to meet its debt service requirements, the loan or lease is evaluated for impairment. Often, this is associated with a delay or shortfall in scheduled payments, as described above. The following table provides the average recorded investment in nonaccrual loans and leases: Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands) 2022 2021 2022 2021 Term lending $ 10,688 $ 12,729 $ 12,305 $ 13,802 Asset based lending 5,993 572 5,002 823 Factoring 9,791 44 11,019 490 Lease financing 3,020 2,990 3,027 3,273 SBA/USDA 1,464 600 840 600 Commercial finance 30,956 16,935 32,193 18,988 Community banking — 20,199 — 14,316 Total loans and leases $ 30,956 $ 37,134 $ 32,193 $ 33,304 The recognized interest income on the Company's nonaccrual loans and leases for the three and six months ended March 31, 2022 and 2021 was not significant. The Company’s troubled debt restructurings ("TDRs") typically involve forgiving a portion of interest or principal on existing loans, making loans at a rate materially less than current market rates, or extending the term of the loan. There were $0.2 million of commercial finance loans and $0.2 million of consumer finance loans that were modified in a TDR during the three months ended March 31, 2022, all of which were modified to extend the term of the loan. There were $2.1 million of commercial finance loans that were modified in a TDR during the three months ended March 31, 2021, all of which were modified to extend the term of the loan, and no community banking loans. During the six months ended March 31, 2022, there were $10.3 million of commercial finance loans and $0.2 million of consumer finance loans that were modified in a TDR, all of which were modified to extend the term of the loan. There were $2.1 million of commercial finance loans and $0.1 million of consumer finance loans that were modified in a TDR during the six months ended March 31, 2021 and no community banking loans.

EARNINGS PER COMMON SHARE ("EPS

EARNINGS PER COMMON SHARE ("EPS")	6 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE ("EPS")	EARNINGS PER COMMON SHARE ("EPS") The Company has granted restricted share awards with dividend rights that are considered to be participating securities. Accordingly, a portion of the Company’s earnings is allocated to those participating securities in the earnings per share calculation under the two-class method. Basic EPS is computed using the two-class method by dividing income available to common stockholders after the allocation of dividends and undistributed earnings to the participating securities by the weighted average number of common shares outstanding for the period. Diluted EPS is calculated using the more dilutive of the treasury stock method or the two-class method. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised, and is computed after giving consideration to the weighted average dilutive effect of the Company’s stock options, performance share units, and nonvested restricted stock, where applicable. Diluted EPS under the two-class method also considers the allocation of earnings to the participating securities. Antidilutive securities are disregarded in earnings per share calculations. Diluted EPS shown below reflects the two-class method, as diluted EPS under the two-class method was more dilutive than under the treasury stock method. A reconciliation of net income and common stock share amounts used in the computation of basic and diluted earnings per share is presented below. Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands, except per share data) 2022 2021 2022 2021 Basic income per common share: Net income attributable to Meta Financial Group, Inc. $ 49,251 $ 59,066 $ 110,575 $ 87,103 Dividends and undistributed earnings allocated to participating securities (815) (1,113) (1,773) (1,683) Basic net earnings available to common stockholders 48,436 57,953 108,802 85,420 Undistributed earnings allocated to nonvested restricted stockholders 791 1,083 1,724 1,620 Reallocation of undistributed earnings to nonvested restricted stockholders (791) (1,082) (1,723) (1,619) Diluted net earnings available to common stockholders $ 48,436 $ 57,954 $ 108,803 $ 85,421 Total weighted-average basic common shares outstanding 29,212,301 31,520,505 29,731,797 32,158,994 Effect of dilutive securities (1) Performance share units 12,061 14,517 17,035 16,490 Total effect of dilutive securities 12,061 14,517 17,035 16,490 Total weighted-average diluted common shares outstanding 29,224,362 31,535,022 29,748,832 32,175,484 Net earnings per common share: Basic earnings per common share $ 1.66 $ 1.84 $ 3.66 $ 2.66 Diluted earnings per common share (2) $ 1.66 $ 1.84 $ 3.66 $ 2.65 (1) Represents the effect of the assumed exercise of stock options and vesting of performance share units and restricted stock, as applicable, utilizing the treasury stock method.

RENTAL EQUIPMENT, NET

RENTAL EQUIPMENT, NET	6 Months Ended
	Mar. 31, 2022
Property, Plant and Equipment [Abstract]
RENTAL EQUIPMENT, NET	RENTAL EQUIPMENT, NET Rental equipment consists of the following: (Dollars in thousands) March 31, 2022 September 30, 2021 Computers and IT networking equipment $ 21,125 $ 17,683 Motor vehicles and other 97,106 87,396 Office furniture and equipment 44,382 48,828 Solar panels and equipment 128,551 125,457 Total 291,164 279,364 Accumulated depreciation (79,579) (67,825) Unamortized initial direct costs 1,448 1,577 Net book value $ 213,033 $ 213,116 Undiscounted future minimum lease payments expected to be received for operating leases at March 31, 2022 were as follows: (Dollars in thousands) Remaining in 2022 $ 19,801 2023 34,172 2024 26,211 2025 18,884 2026 10,789 Thereafter 14,332 Total undiscounted future minimum lease payments receivable for operating leases $ 124,189

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	6 Months Ended
	Mar. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND INTANGIBLE ASSETS	GOODWILL AND INTANGIBLE ASSETSThe Company held a total of $309.5 million of goodwill at March 31, 2022. The recorded goodwill is a result of multiple business combinations that have been consummated since fiscal year 2015, with the most recent pursuant to the Crestmark Acquisition that closed on August 1, 2018. Goodwill is assessed for impairment at least annually or more often if conditions indicate a possible impairment. The assessment is done at a reporting unit level, which is one level below the operating segments. See Note 14. Segment Reporting for additional information on the Company's segment reporting. There have been no changes to the carrying amount of goodwill during the six months ended March 31, 2022. The changes in the carrying amount of the Company’s intangible assets were as follows: (Dollars in thousands) Trademark (1) Non-Compete (2) Customer Relationships (3) All Others (4) Total Intangible Assets At September 30, 2021 $ 9,823 $ 40 $ 17,868 $ 5,417 $ 33,148 Acquisitions during the period — — — 1 1 Amortization during the period (526) (40) (2,829) (262) (3,657) Write-offs during the period — — — (202) (202) At March 31, 2022 $ 9,297 $ — $ 15,039 $ 4,954 $ 29,290 Gross carrying amount $ 14,624 $ 2,481 $ 82,088 $ 9,940 $ 109,133 Accumulated amortization (5,327) (2,481) (56,801) (4,768) (69,377) Accumulated impairment — — (10,248) (218) (10,466) At March 31, 2022 $ 9,297 $ — $ 15,039 $ 4,954 $ 29,290 At September 30, 2020 $ 10,901 $ 422 $ 24,333 $ 6,036 $ 41,692 Acquisitions during the period — — — 5 5 Amortization during the period (544) (191) (3,716) (319) (4,770) Write-offs during the period — — — (24) (24) At March 31, 2021 $ 10,357 $ 231 $ 20,617 $ 5,698 $ 36,903 Gross carrying amount $ 14,624 $ 2,481 $ 82,088 $ 10,123 $ 109,316 Accumulated amortization (4,267) (2,250) (51,223) (4,207) (61,947) Accumulated impairment — — (10,248) (218) (10,466) At March 31, 2021 $ 10,357 $ 231 $ 20,617 $ 5,698 $ 36,903 (1) Book amortization period of 5-15 years. Amortized using the straight line and accelerated methods. (2) Book amortization period of 3-5 years. Amortized using the straight line method. (3) Book amortization period of 10-30 years. Amortized using the accelerated method. (4) Book amortization period of 3-20 years. Amortized using the straight line method. The estimated amortization expense of intangible assets assumes no activities, such as acquisitions, which would result in additional amortizable intangible assets. Estimated amortization expense of intangible assets in the remaining six months of fiscal 2022 and subsequent fiscal years was as follows: (Dollars in thousands) Remaining in 2022 $ 2,763 2023 5,101 2024 4,383 2025 3,826 2026 3,252 Thereafter 9,965 Total anticipated intangible amortization $ 29,290 The Company tests intangible assets for impairment at least annually or more often if conditions indicate a possible impairment. There were no impairments to intangible assets during the six months ended March 31, 2022 and 2021. Intangible expense is recorded within the impairment expense line of the Condensed Consolidated Statements of Operations.

OPERATING LEASE RIGHT-OF-USE AS

OPERATING LEASE RIGHT-OF-USE ASSETS AND LIABILITIES	6 Months Ended
	Mar. 31, 2022
Leases [Abstract]
OPERATING LEASE RIGHT-OF-USE ASSETS AND LIABILITIES	OPERATING LEASE RIGHT-OF-USE ASSETS AND LIABILITIES Operating lease ROU assets, included in other assets Operating lease liabilities, included in accrued expenses and other liabilities Undiscounted future minimum operating lease payments and a reconciliation to the amount recorded as operating lease liabilities at March 31, 2022 were as follows: (Dollars in thousands) Remaining in 2022 $ 2,192 2023 3,892 2024 3,854 2025 3,718 2026 3,195 Thereafter 21,732 Total undiscounted future minimum lease payments 38,583 Discount (4,938) Total operating lease liabilities $ 33,645 The weighted-average discount rate and remaining lease term for operating leases at March 31, 2022 were as follows: Weighted-average discount rate 2.34 % Weighted-average remaining lease term (years) 10.75 The components of total lease costs for operating leases were as follows: Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands) 2022 2021 2022 2021 Lease expense $ 1,119 $ 991 $ 2,256 $ 1,945 Short-term and variable lease cost 40 69 75 132 ROU asset impairment — — — 224 Sublease income (355) (177) (531) (285) Total lease cost for operating leases $ 804 $ 883 $ 1,800 $ 2,016

STOCKHOLDERS' EQUITY

STOCKHOLDERS' EQUITY	6 Months Ended
	Mar. 31, 2022
Equity [Abstract]
STOCKHOLDERS' EQUITY	STOCKHOLDERS' EQUITY Repurchase of Common Stock The Company's Board of Directors authorized the November 20, 2019 share repurchase program to repurchase up to 7,500,000 shares of the Company's outstanding common stock. All remaining shares available for repurchase under this program were repurchased during the fiscal 2022 first quarter. This authorization was effective from November 21, 2019 through December 31, 2022. On September 7, 2021, the Company's Board of Directors announced a new share repurchase program to repurchase up to an additional 6,000,000 shares of the Company's outstanding common stock. This authorization is effective from September 3, 2021 through September 30, 2024. During the six months ended March 31, 2022, and 2021, the Company repurchased 2,447,699 and 2,599,458 shares, respectively, as part of the share repurchase programs. Under the repurchase programs, repurchased shares were retired and designated as authorized but unissued shares. The Company accounts for repurchased shares using the par value method under which the repurchase price is charged to paid-in capital up to the amount of the original proceeds of those shares. When the repurchase price is greater than the original issue proceeds, the excess is charged to retained earnings. As of March 31, 2022, 4,868,177 shares of common stock remained available for repurchase.

STOCK COMPENSATION

STOCK COMPENSATION	6 Months Ended
	Mar. 31, 2022
Share-based Payment Arrangement [Abstract]
STOCK COMPENSATION	STOCK COMPENSATION The Company maintains the Meta Financial Group, Inc. 2002 Omnibus Incentive Plan, as amended and restated (the "2002 Omnibus Incentive Plan"), which, among other things, provides for the awarding of stock options, nonvested (restricted) shares, and performance share units ("PSUs") to certain officers and directors of the Company. Awards are granted by the Compensation Committee of the Board of Directors based on the performance of the award recipients or other relevant factors. Compensation expense for share-based awards is recorded over the vesting period at the fair value of the award at the time of the grant. The exercise price of options or fair value of nonvested (restricted) shares and performance share units granted under the Company’s 2002 Omnibus Incentive Plan is equal to the fair market value of the underlying stock at the grant date, adjusted for dividends where applicable. The Company has elected, with the adoption of ASU 2016-09, to record forfeitures as they occur. The following tables show the activity of nonvested (restricted) shares and PSUs granted, vested, or forfeited under the 2002 Omnibus Incentive Plan for the six months ended March 31, 2022. There were no options granted, exercised, or forfeited under this plan during the six months ended March 31, 2022. (Dollars in thousands, except per share data) Number of Shares Weighted Average Fair Value at Grant Nonvested shares outstanding, September 30, 2021 547,063 $ 30.22 Granted 161,930 57.37 Vested (197,423) 34.29 Forfeited or expired (11,788) 42.19 Nonvested shares outstanding, March 31, 2022 499,782 $ 37.13 (Dollars in thousands, except per share data) Number of Units Weighted Average Fair Value at Grant Performance share units outstanding, September 30, 2021 60,984 $ 34.03 Granted (1) 35,705 57.20 Vested — — Forfeited or expired — — Performance share units outstanding, March 31, 2022 96,689 $ 42.59 (1) The number of PSUs granted reflects the target number of PSUs able to be earned under a given award. At March 31, 2022, stock-based compensation expense not yet recognized in income totaled $10.8 million, which is expected to be recognized over a weighted average remaining period of 1.63 years.

INCOME TAXES

INCOME TAXES	6 Months Ended
	Mar. 31, 2022
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXESThe Company recorded an income tax expense of $22.3 million for the six months ended March 31, 2022, resulting in an effective tax rate of 16.66%, compared to an income tax expense of $4.7 million, or an effective tax rate of 4.97%, for the six months ended March 31, 2021. The Company’s effective tax rate was lower than the U.S. statutory rate of 21% primarily because of the anticipated effect of investment tax credits during fiscal year 2022. The Company’s effective tax rate in the future will depend in part on actual investment tax credits earned as part of its financing of solar energy projects. The table below compares the income tax expense components for the periods presented. Six Months Ended March 31, (Dollars in thousands) 2022 2021 Provision at statutory rate $ 27,899 $ 19,271 Tax-exempt income (362) (486) State income taxes 5,543 4,135 Interim period effective rate adjustment (3,870) (3,116) Tax credit investments, net - federal (5,978) (15,464) Research tax credit (355) (323) IRC 162(m) nondeductible compensation 505 487 Other, net (1,104) 161 Income tax expense $ 22,278 $ 4,665 Effective tax rate 16.66 % 4.97 %

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	6 Months Ended
	Mar. 31, 2022
Revenue from Contract with Customer [Abstract]
REVENUE FROM CONTRACTS WITH CUSTOMERS	REVENUE FROM CONTRACTS WITH CUSTOMERSTopic 606 applies to all contracts with customers unless such revenue is specifically addressed under existing guidance. The table below presents the Company’s revenue by operating segment. For additional descriptions of the Company’s operating segments, including additional financial information and the underlying management accounting process, see Note 14. Segment Reporting to the Condensed Consolidated Financial Statements. (Dollars in thousands) Consumer Commercial Corporate Services/Other Consolidated Company Three Months Ended March 31, 2022 2021 2022 2021 2022 2021 2022 2021 Net interest income (1) $ 30,156 $ 25,085 $ 44,879 $ 42,404 $ 8,765 $ 6,361 $ 83,800 $ 73,850 Noninterest income: Refund transfer product fees 27,805 22,680 — — — — 27,805 22,680 Tax advance product fees (1) 39,299 44,562 — — — — 39,299 44,562 Payment card and deposit fees 26,270 29,875 — — — — 26,270 29,875 Other bank and deposit fees — — 244 126 6 7 250 133 Rental income (1) — 5 11,225 9,841 150 — 11,375 9,846 Net gain realized on investment securities (1) — — — — 260 6 260 6 Gain (loss) on sale of other (1) — — 1,229 1,624 (603) 509 626 2,133 Other income (1) 1,387 919 2,839 2,349 (345) 950 3,881 4,218 Total noninterest income 94,761 98,041 15,537 13,940 (532) 1,472 109,766 113,453 Revenue $ 124,917 $ 123,126 $ 60,416 $ 56,344 $ 8,233 $ 7,833 $ 193,566 $ 187,303 Six Months Ended March 31, Net interest income (1) $ 56,427 $ 47,432 $ 89,805 $ 84,252 $ 9,181 $ 8,165 $ 155,413 $ 139,849 Noninterest income: Refund transfer product fees 28,384 23,327 — — — — 28,384 23,327 Tax advance product fees (1) 40,532 46,522 — — — — 40,532 46,522 Payment card and deposit fees 51,402 52,439 — — — — 51,402 52,439 Other bank and deposit fees — — 475 360 12 10 487 370 Rental income (1) — 10 22,302 19,721 150 — 22,452 19,731 Net gain realized on investment securities (1) — — — — 397 6 397 6 Gain on sale of trademarks — — — — 50,000 — 50,000 — Gain (loss) on sale of other (1) — — 6,093 4,216 (8,932) 765 (2,839) 4,981 Other income (1) 2,152 1,078 5,624 4,809 (2,234) 5,645 5,542 11,532 Total noninterest income 122,470 123,376 34,494 29,106 39,393 6,426 196,357 158,908 Revenue $ 178,897 $ 170,808 $ 124,299 $ 113,358 $ 48,574 $ 14,591 $ 351,770 $ 298,757 (1) These revenues are not within the scope of Topic 606. Additional details are included in other footnotes to the accompanying financial statements. The scope of Topic 606 explicitly excludes net interest income as well as many other revenues for financial assets and liabilities, including loans, leases, and securities. Following is a discussion of key revenues within the scope of Topic 606. The Company provides services to customers that have related performance obligations that must be completed to recognize revenue. Revenues are generally recognized immediately upon the completion of the service or over time as services are performed. Any services performed over time generally require that the Company renders services each period; therefore, the Company measures progress in completing these services based upon the passage of time. Revenue from contracts with customers did not generate significant contract assets and liabilities. Refund Transfer Product Fees. Refund transfer fees are specific to the tax products offered by Refund Advantage and EPS. These fees are for products, services such as payment processing, and product referral commissions. Software partner fees paid and/or incurred are recorded on a net basis. The Company’s obligation for product fees and commissions is satisfied at the time of the product delivery and obligation for payment processing is satisfied at the time of processing. The transaction price for such activity is based upon stand-alone fees within the terms and conditions. At March 31, 2022 and September 30, 2021, there were no receivables related to refund transfer fees, which reflect earned revenue with unconditional rights to payment for product fee income. All refund transfer fees are recorded within the Consumer reporting segment. Card Fees. Card fees relate to Meta Payments, Refund Advantage, and EPS products. These fees are for products and services such as card activation, product support, processing, and servicing. The Company earns these fees based upon the underlying terms and conditions with each cardholder over the contract term. Agreements with the Company’s cardholders are considered daily service contracts as they are not fixed in duration. The Company’s obligation for card activation and product support fees is satisfied at the time of product delivery, while the obligation for processing and servicing is satisfied over the course of each month. The transaction price for such activity is based upon the stand-alone fees within the terms and conditions of the cardholder agreements. Card fee revenue also includes income from sponsorships, associations and networks, and interchange income. Sponsorship income relates to fees charged to the Company’s ATM sponsorship partners, where the obligation is satisfied over the course of each month. Association and network income reflect incentives, performance bonuses and rebates with MasterCard and Visa. The obligation for such income is satisfied at the time when certain thresholds of transaction volume have been met. Interchange income is generated by cardholder activity, and therefore the Company’s obligations are satisfied as activity occurs. The transaction price for such activity is based on underlying rates and activity thresholds within the terms and conditions of the applicable agreements. Card fee revenue also includes breakage revenue. Breakage represents the estimated amount that will not be redeemed by the holder of unregistered, unused prepaid cards for goods or services. Breakage revenue is recognized ratably over the expected customer usage period and is an estimate based on cardholder behavior and breakage rates. Breakage is also impacted by escheatment laws. Card fees are recorded within both the Consumer and Commercial reporting segments, the substantial majority of which is derived from the Company's payments divisions and reported in payments card and deposit fees. Card fees not related to the Company's payments divisions are reported within other bank and deposit fees. Bank and Deposit Fees. Fees are earned on depository accounts for consumer and commercial customers and include fees for account services, overdraft services, and event-driven services (i.e. returned checks, ATM surcharge, card replacement, and wire transfers). The Company’s obligation for event-driven services is satisfied at the time of the event when the service is delivered, while its obligation for account services is satisfied over the course of each month. The Company’s obligation for overdraft services is satisfied at the time of overdraft. The transaction price for such activity is based upon stand-alone fees within the terms and conditions of the deposit agreements. Bank and deposit fees are recorded within both the Consumer and Commercial reporting segments, the majority of which are derived from the Company's payments divisions. Principal vs Agent. The Consumer reporting segment includes principal/agent relationships. Within this segment, Meta Payments division relationships are recorded on a gross basis within the Condensed Consolidated Statements of Operations, as Meta is the principal in the contract, with the exception of association/network contracts and partner/processor contracts for prepaid cards, which are recorded on a net basis within the Condensed Consolidated Statements of Operations as Meta is the agent in these contracts. Also within this segment, Tax Service relationships are recorded on a gross basis within the Condensed Consolidated Statements of Operations, as Meta is the principal in the contract, with the exception of contracts with software providers and merchants, which are recorded on a net basis within the Condensed Consolidated Statements of Operations as Meta is the agent in these contracts.

SEGMENT REPORTING

SEGMENT REPORTING	6 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING An operating segment is generally defined as a component of a business for which discrete financial information is available and whose results are reviewed by the chief operating decision-maker. Operating segments are aggregated into reportable segments if certain criteria are met. The Company reports its results of operations through the following three business segments: Consumer, Commercial, and Corporate Services/Other. The Meta Payments and Tax Services divisions, as well as the Consumer Credit Products and ClearBalance business lines, are reported in the Consumer segment . The Crestmark and AFS divisions are reported in the Commercial segment. The Community Bank division and Student Loan lending portfolio are included in the Corporate Services/Other segment. The Corporate Services/Other segment also includes certain shared services as well as treasury related functions such as the investment portfolio, warehouse finance, wholesale deposits and borrowings. The Company does not report indirect general and administrative expenses in the Consumer and Commercial segments. The following tables present segment data for the Company: (Dollars in thousands) Consumer Commercial Corporate Services/Other Total Three Months Ended March 31, 2022 2021 2022 2021 2022 2021 2022 2021 Net interest income $ 30,156 $ 25,085 $ 44,879 $ 42,404 $ 8,765 $ 6,361 $ 83,800 $ 73,850 Provision for credit losses 29,685 28,020 2,205 2,203 412 67 32,302 30,290 Noninterest income 94,761 98,041 15,537 13,940 (532) 1,472 109,766 113,453 Noninterest expense 29,892 30,189 31,457 27,829 41,811 37,953 103,160 95,971 Income (loss) before income tax expense 65,340 64,917 26,754 26,312 (33,990) (30,187) 58,104 61,042 Total assets 456,335 531,305 3,355,196 3,030,088 3,075,708 6,228,730 6,887,239 9,790,123 Total goodwill 87,145 87,145 222,360 222,360 — — 309,505 309,505 Total deposits 5,693,063 8,447,910 6,882 12,177 129,941 182,326 5,829,886 8,642,413 Six Months Ended March 31, Net interest income $ 56,427 $ 47,432 $ 89,805 $ 84,252 $ 9,181 $ 8,165 $ 155,413 $ 139,849 Provision (reversal of) for credit losses 30,946 30,386 13,797 8,670 (12,255) (2,677) 32,488 36,379 Noninterest income 122,470 123,376 34,494 29,106 39,393 6,426 196,357 158,908 Noninterest expense 49,553 48,351 64,504 54,997 71,539 65,198 185,596 168,546 Income (loss) before income tax expense 98,398 92,071 45,998 49,691 (10,710) (47,930) 133,686 93,832 Total assets 456,335 531,305 3,355,196 3,030,088 3,075,708 6,228,730 6,887,239 9,790,123 Total goodwill 87,145 87,145 222,360 222,360 — — 309,505 309,505 Total deposits 5,693,063 8,447,910 6,882 12,177 129,941 182,326 5,829,886 8,642,413

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	6 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUES OF FINANCIAL INSTRUMENTS ASC 820, Fair Value Measurements defines fair value, establishes a framework for measuring the fair value of assets and liabilities using a hierarchy system and requires disclosures about fair value measurement. It clarifies that fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants in the market in which the reporting entity transacts. The fair value hierarchy is as follows: Level 1 Inputs - Valuation is based upon quoted prices for identical instruments traded in active markets that the Company has the ability to access at measurement date. Level 2 Inputs - Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which significant assumptions are observable in the market. Level 3 Inputs - Valuation is generated from model-based techniques that use significant assumptions not observable in the market and are used only to the extent that observable inputs are not available. These unobservable assumptions reflect the Company’s own estimates of assumptions that market participants would use in pricing the asset or liability. Debt Securities Available for Sale and Held to Maturity . Debt securities available for sale are recorded at fair value on a recurring basis and debt securities held to maturity are carried at amortized cost. The fair value of debt securities available for sale, categorized primarily as Level 2, is recorded using prices obtained from independent asset pricing services that are based on observable transactions, but not quoted markets. Management reviews the prices obtained from independent asset pricing services for unusual fluctuations and compares to current market trading activity. Equity Securities. Marketable equity securities and certain non-marketable equity securities are recorded at fair value on a recurring basis. The fair values of marketable equity securities are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs). The following tables summarize the fair values of debt securities available for sale and equity securities as they are measured at fair value on a recurring basis: Fair Value At March 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Debt securities AFS Corporate securities $ 23,250 $ — $ 23,250 $ — SBA securities 137,400 — 137,400 — Obligations of states and political subdivisions 2,706 — 2,706 — Non-bank qualified obligations of states and political subdivisions 240,423 — 240,423 — Asset-backed securities 353,581 — 353,581 — Mortgage-backed securities 1,286,118 — 1,286,118 — Total debt securities AFS $ 2,043,478 $ — $ 2,043,478 $ — Common equities and mutual funds (1) $ 3,853 $ 3,853 $ — $ — Non-marketable equity securities (2) $ 6,165 $ — $ — $ — (1) Equity securities at fair value are included within other assets on the Condensed Consolidated Statements of Financial Condition at March 31, 2022 and September 30, 2021. (2) Consists of certain non-marketable equity securities that are measured at fair value using net asset value ("NAV") per share (or its equivalent) as a practical expedient and are excluded from the fair value hierarchy. Fair Value At September 30, 2021 (Dollars in thousands) Total Level 1 Level 2 Level 3 Debt securities AFS Corporate securities $ 25,000 $ — $ 25,000 $ — SBA securities 157,209 — 157,209 — Obligations of states and political subdivisions 2,507 — 2,507 — Non-bank qualified obligations of states and political subdivisions 268,295 — 268,295 — Asset-backed securities 394,859 — 394,859 — Mortgage-backed securities 1,017,029 — 1,017,029 — Total debt securities AFS $ 1,864,899 $ — $ 1,864,899 $ — Common equities and mutual funds (1) $ 12,668 $ 12,668 $ — $ — Non-marketable equity securities (2) $ 4,560 $ — $ — $ — (1) Equity securities at fair value are included within other assets on the Condensed Consolidated Statements of Financial Condition at March 31, 2022 and September 30, 2021. (2) Consists of certain non-marketable equity securities that are measured at fair value using NAV per share (or its equivalent) as a practical expedient and are excluded from the fair value hierarchy. Foreclosed Real Estate and Repossessed Assets. Real estate properties and repossessed assets are initially recorded at the fair value less selling costs at the date of foreclosure, establishing a new cost basis. The carrying amount represents the lower of the new cost basis or the fair value less selling costs of foreclosed assets that were measured at fair value subsequent to their initial classification as foreclosed assets. Loans and Leases. The Company does not record loans and leases at fair value on a recurring basis. However, if a loan or lease is individually evaluated for risk of credit loss and repayment is expected to be solely provided by the values of the underlying collateral, the Company measures fair value on a nonrecurring basis. Fair value is determined by the fair value of the underlying collateral less estimated costs to sell. The fair value of the collateral is determined based on internal estimates and/or assessments provided by third-party appraisers and the valuation relies on discount rates ranging from 4% to 35%. The following table summarizes the assets of the Company that are measured at fair value in the Condensed Consolidated Statements of Financial Condition on a non-recurring basis: Fair Value At March 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Loans and leases, net individually evaluated for credit loss Commercial finance $ 8,006 $ — $ — $ 8,006 Total loans and leases, net individually evaluated 8,006 — — 8,006 Foreclosed assets, net 112 — — 112 Total $ 8,118 $ — $ — $ 8,118 Fair Value At September 30, 2021 (Dollars in thousands) Total Level 1 Level 2 Level 3 Loans and leases, net individually evaluated for credit loss Commercial finance $ 3,404 $ — $ — $ 3,404 Community banking 9,371 — — 9,371 Total loans and leases, net individually evaluated 12,775 — — 12,775 Foreclosed assets, net 2,077 — — 2,077 Total $ 14,852 $ — $ — $ 14,852 Quantitative Information About Level 3 Fair Value Measurements (Dollars in thousands) Fair Value at March 31, 2022 Fair Value at September 30, 2021 Valuation Unobservable Input Range of Inputs Loans and leases, net individually evaluated for credit loss $ 8,006 12,775 Market approach Appraised values (1) 4% - 35% Foreclosed assets, net $ 112 2,077 Market approach Appraised values (1) 9% - 20% (1) The Company generally relies on external appraisers to develop this information. Management reduced the appraised value by estimating selling costs and other inputs in a range of 4% to 35%. Management discloses the estimated fair value of financial instruments, including assets and liabilities on and off the Condensed Consolidated Statements of Financial Condition, for which it is practicable to estimate fair value. These fair value estimates were made at March 31, 2022 and September 30, 2021 based on relevant market information and information about financial instruments. Fair value estimates are intended to represent the price at which an asset could be sold or a liability could be settled. However, since there is no active market for certain financial instruments of the Company, the estimates of fair value are subjective in nature, involve uncertainties, and include matters of significant judgment. Changes in assumptions as well as tax considerations could significantly affect the estimated values. Accordingly, the aggregate fair value estimates are not intended to represent the underlying value of the Company, on either a going concern or a liquidation basis. The following tables present the carrying amount and estimated fair value of the financial instruments held by the Company: At March 31, 2022 (Dollars in thousands) Carrying Estimated Level 1 Level 2 Level 3 Financial assets Cash and cash equivalents $ 237,680 $ 237,680 $ 237,680 $ — $ — Debt securities available for sale 2,043,478 2,043,478 — 2,043,478 — Debt securities held to maturity 47,287 45,436 — 45,436 — Common equities and mutual funds (1) 3,853 3,853 3,853 — — Non-marketable equity securities (1)(2) 24,114 24,114 — 17,949 — Loans held for sale 31,410 31,410 — 31,410 — Loans and leases 3,726,093 3,642,987 — — 3,642,987 Federal Reserve Bank and Federal Home Loan Bank stocks 28,812 28,812 — 28,812 — Accrued interest receivable 19,115 19,115 19,115 — — Financial liabilities Deposits 5,829,886 5,829,791 5,818,128 11,663 — Other short- and long-term borrowings 91,386 92,216 — 92,216 — Accrued interest payable 571 571 571 — — (1) Equity securities at fair value are included within other assets on the Condensed Consolidated Statements of Financial Condition at March 31, 2022. (2) Includes certain non-marketable equity securities that are measured at fair value using NAV per share (or its equivalent) as a practical expedient and are excluded from the fair value hierarchy. At September 30, 2021 (Dollars in thousands) Carrying Estimated Level 1 Level 2 Level 3 Financial assets Cash and cash equivalents $ 314,019 $ 314,019 $ 314,019 $ — $ — Debt securities available for sale 1,864,899 1,864,899 — 1,864,899 — Debt securities held to maturity 56,669 56,391 — 56,391 — Common equities and mutual funds( 1) 12,668 12,668 12,668 — — Non-marketable equity securities (1)(2) 17,509 17,509 — 12,949 — Loans held for sale 56,194 56,194 — 56,194 — Loans and leases 3,607,815 3,616,646 — — 3,616,646 Federal Reserve Bank and Federal Home Loan Bank stocks 28,400 28,400 — 28,400 — Accrued interest receivable 16,254 16,254 16,254 — — Financial liabilities Deposits 5,514,971 5,515,035 5,482,471 32,564 — Other short- and long-term borrowings 92,834 93,938 — 93,938 — Accrued interest payable 579 579 579 — — (1) Equity securities at fair value are included within other assets on the Condensed Consolidated Statements of Financial Condition at September 30, 2021. (2) Includes certain non-marketable equity securities that are measured at fair value using NAV per share (or its equivalent) as a practical expedient and are excluded from the fair value hierarchy.

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	6 Months Ended
	Mar. 31, 2022
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTSManagement has evaluated subsequent events that occurred after March 31, 2022. During this period, up to the filing date of this Quarterly Report on Form 10-Q, management did not identify any material subsequent events that would require recognition or disclosure in our Condensed Consolidated Financial Statements as of or for the quarter ended March 31, 2022.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND RECENTLY ADOPTED ACCOUNTING STANDARDS UPDATES ("ASU") (Policies)	6 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
Adopted ASUs	Significant accounting policies in effect and disclosed within the Company’s most recent audited consolidated financial statements as of September 30, 2021 remain substantially unchanged. The following ASUs became effective for the Company on October 1, 2021, none of which had a material impact on the Company’s significant accounting policies or Condensed Consolidated Financial Statements: – ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes. – ASU 2020-08 , Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable Fees and Other Costs. – ASU 2020-10, Codification Improvements.

SECURITIES (Tables)

SECURITIES (Tables)	6 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Securities Available for Sale	The amortized cost, gross unrealized gains and losses and estimated fair values of available for sale ("AFS") and held to maturity ("HTM") debt securities are presented below. Debt Securities AFS (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair At March 31, 2022 Corporate securities $ 25,000 $ — $ (1,750) $ 23,250 SBA securities 137,330 1,429 (1,359) 137,400 Obligations of states and political subdivisions 2,777 1 (72) 2,706 Non-bank qualified obligations of states and political subdivisions 249,576 153 (9,306) 240,423 Asset-backed securities 361,408 1,636 (9,463) 353,581 Mortgage-backed securities 1,360,741 232 (74,855) 1,286,118 Total debt securities AFS $ 2,136,832 $ 3,451 $ (96,805) $ 2,043,478 At September 30, 2021 Corporate securities $ 25,000 $ — $ — $ 25,000 SBA securities 151,958 5,251 — 157,209 Obligations of states and political subdivisions 2,497 10 — 2,507 Non-bank qualified obligations of states and political subdivisions 266,048 3,347 (1,100) 268,295 Asset-backed securities 393,103 3,003 (1,247) 394,859 Mortgage-backed securities 1,016,478 9,728 (9,177) 1,017,029 Total debt securities AFS $ 1,855,084 $ 21,339 $ (11,524) $ 1,864,899
Securities Held to Maturity	Debt Securities HTM (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair At March 31, 2022 Non-bank qualified obligations of states and political subdivisions $ 44,369 $ — $ (1,768) $ 42,601 Mortgage-backed securities 2,918 — (83) 2,835 Total debt securities HTM $ 47,287 $ — $ (1,851) $ 45,436 At September 30, 2021 Non-bank qualified obligations of states and political subdivisions $ 52,944 $ 103 $ (471) $ 52,576 Mortgage-backed securities 3,725 90 — 3,815 Total debt securities HTM $ 56,669 $ 193 $ (471) $ 56,391
Schedule of Unrealized Loss on Investments, AFS	Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous loss position, were as follows: LESS THAN 12 MONTHS OVER 12 MONTHS TOTAL (Dollars in thousands) Fair Gross Unrealized (Losses) Fair Gross Unrealized (Losses) Fair Gross Unrealized (Losses) Debt Securities AFS At March 31, 2022 Corporate securities $ 23,250 $ (1,750) $ — $ — $ 23,250 $ (1,750) SBA securities 50,022 (1,359) — — 50,022 (1,359) Obligations of state and political subdivisions 2,158 (72) — — 2,158 (72) Non-bank qualified obligations of states and political subdivisions 214,073 (9,180) 1,314 (126) 215,387 (9,306) Asset-backed securities 154,196 (4,375) 111,397 (5,088) 265,593 (9,463) Mortgage-backed securities 1,014,462 (58,435) 206,040 (16,420) 1,220,502 (74,855) Total debt securities AFS $ 1,458,161 $ (75,171) $ 318,751 $ (21,634) $ 1,776,912 $ (96,805) At September 30, 2021 Non-bank qualified obligations of states and political subdivisions $ 101,046 $ (1,100) $ — $ — $ 101,046 $ (1,100) Asset-backed securities 127,110 (283) 91,553 (964) 218,663 (1,247) Mortgage-backed securities 759,035 (7,418) 60,792 (1,759) 819,827 (9,177) Total debt securities AFS $ 987,191 $ (8,801) $ 152,345 $ (2,723) $ 1,139,536 $ (11,524) Debt Securities HTM At March 31, 2022 Non-bank qualified obligations of states and political subdivisions $ 42,602 $ (1,768) $ — $ — $ 42,602 $ (1,768) Mortgage-backed securities 2,835 (83) — — 2,835 (83) Total debt securities HTM $ 45,437 $ (1,851) $ — $ — $ 45,437 $ (1,851) At September 30, 2021 Non-bank qualified obligations of states and political subdivisions $ 26,096 $ (471) $ — $ — $ 26,096 $ (471) Total debt securities HTM $ 26,096 $ (471) $ — $ — $ 26,096 $ (471)
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt securities by contractual maturity are shown below. Certain securities have call features that allow the issuer to call the security prior to maturity. Expected maturities may differ from contractual maturities in mortgage-backed securities ("MBS") because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Therefore, MBS are not included in the maturity categories in the following maturity summary. The expected maturities of certain SBA securities may differ from contractual maturities because the borrowers may have the right to prepay the obligation. However, certain prepayment penalties may apply. (Dollars in thousands) At March 31, 2022 At September 30, 2021 Securities AFS at Fair Value Amortized Cost Fair Amortized Cost Fair Due in one year or less $ 240 $ 241 $ 810 $ 822 Due after one year through five years 11,029 10,855 13,026 13,378 Due after five years through ten years 74,314 71,056 50,785 52,357 Due after ten years 690,508 675,208 773,985 781,313 776,091 757,360 838,606 847,870 Mortgage-backed securities 1,360,741 1,286,118 1,016,478 1,017,029 Total securities AFS, at fair value $ 2,136,832 $ 2,043,478 $ 1,855,084 $ 1,864,899 At March 31, 2022 At September 30, 2021 (Dollars in thousands) Amortized Cost Fair Amortized Cost Fair Securities HTM at Fair Value Due after ten years $ 44,369 $ 42,601 $ 52,944 $ 52,576 44,369 42,601 52,944 52,576 Mortgage-backed securities 2,918 2,835 3,725 3,815 Total securities HTM, at cost $ 47,287 $ 45,436 $ 56,669 $ 56,391

LOANS AND LEASES, NET (Tables)

LOANS AND LEASES, NET (Tables)	6 Months Ended
	Mar. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]
Schedule of Loans Receivable	Loans and leases consist of the following: (Dollars in thousands) March 31, 2022 September 30, 2021 Term lending $ 1,111,076 $ 961,019 Asset based lending 382,355 300,225 Factoring 394,865 363,670 Lease financing 235,397 266,050 Insurance premium finance 403,681 428,867 SBA/USDA 214,195 247,756 Other commercial finance 173,260 157,908 Commercial finance 2,914,829 2,725,495 Consumer credit products 171,847 129,251 Other consumer finance 111,922 123,606 Consumer finance 283,769 252,857 Tax services 85,999 10,405 Warehouse finance 441,496 419,926 Community banking — 199,132 Total loans and leases 3,726,093 3,607,815 Net deferred loan origination costs 4,097 1,748 Total gross loans and leases 3,730,190 3,609,563 Allowance for credit losses (88,552) (68,281) Total loans and leases, net $ 3,641,638 $ 3,541,282
Schedule of Loans Purchased and Sold by Portfolio Segment	Loans purchased and sold by portfolio segment, including participation interests, were as follows: Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands) 2022 2021 2022 2021 Loans Purchased Loans held for investment: Commercial finance $ 1,378 $ — $ 3,098 $ — Warehouse finance 29,822 33,605 85,815 96,236 Community banking — 548 — 2,847 Total purchases $ 31,200 $ 34,153 $ 88,913 $ 99,083 Loans Sold Loans held for sale: Commercial finance $ 14,090 $ 4,591 $ 47,113 $ 34,915 Consumer finance 147,163 19,791 523,607 311,331 Community banking — — 153,222 129,788 Loans held for investment: Commercial finance 15,549 — 15,549 — Community banking — — 30,235 — Total sales $ 176,802 $ 24,382 $ 769,726 $ 476,034
Sales-type Lease, Lease Income	The net investment in direct financing and sales-type leases was comprised of the following: (Dollars in thousands) March 31, 2022 September 30, 2021 Carrying amount $ 244,030 $ 278,341 Unguaranteed residual assets 13,009 14,393 Unamortized initial direct costs 406 490 Unearned income (21,642) (26,684) Total net investment in direct financing and sales-type leases $ 235,803 $ 266,540
Sales-type and Direct Financing Leases, Lease Receivable, Maturity	Undiscounted future minimum lease payments receivable for direct financing and sales-type leases, and a reconciliation to the carrying amount recorded at March 31, 2022 were as follows: (Dollars in thousands) Remaining in 2022 $ 52,751 2023 90,718 2024 59,489 2025 28,337 2026 9,087 Thereafter 3,648 Total undiscounted future minimum lease payments receivable for direct financing and sales-type leases 244,030 Third-party residual value guarantees — Total carrying amount of direct financing and sales-type leases $ 244,030
Annual Activity in Allowance for Loan Losses, Allowance for Loan Losses and Recorded Investment in Loans	Activity in the allowance for credit losses and balances of loans and leases by portfolio segment was as follows: Three Months Ended March 31, 2022 (Dollars in thousands) Beginning Balance Provision (Reversal) Charge-offs Recoveries Ending Balance Allowance for credit losses: Term lending $ 26,722 $ 1,954 $ (1,822) $ 714 $ 27,568 Asset based lending 2,758 (175) — — 2,583 Factoring 15,242 823 (9,590) 51 6,526 Lease financing 6,857 (395) (95) 104 6,471 Insurance premium finance 1,044 59 (106) 60 1,057 SBA/USDA 2,996 (53) — — 2,943 Other commercial finance 1,349 (152) — — 1,197 Commercial finance 56,968 2,061 (11,613) 929 48,345 Consumer credit products 1,627 (6) — — 1,621 Other consumer finance 6,960 1,157 (802) 73 7,388 Consumer finance 8,587 1,151 (802) 73 9,009 Tax services 1,601 28,972 — 184 30,757 Warehouse finance 467 (26) — — 441 Community banking — (2) — 2 — Total loans and leases 67,623 32,156 (12,415) 1,188 88,552 Unfunded commitments (1) 405 146 — — 551 Total $ 68,028 $ 32,302 $ (12,415) $ 1,188 $ 89,103 (1) Reserve for unfunded commitments is recognized within other liabilities on the Condensed Consolidated Statements of Financial Condition. Three Months Ended March 31, 2021 (Dollars in thousands) Beginning Balance Provision (Reversal) (2) Charge-offs Recoveries Ending Balance Allowance for credit losses: Term lending $ 28,220 $ 1,396 $ (2,477) $ 176 $ 27,315 Asset based lending 1,809 539 (599) — 1,749 Factoring 3,719 (545) — 36 3,210 Lease financing 6,784 420 (471) 130 6,863 Insurance premium finance 1,285 103 (149) 87 1,326 SBA/USDA 3,164 136 — — 3,300 Other commercial finance 479 62 — — 541 Commercial finance 45,460 2,111 (3,696) 429 44,304 Consumer credit products 835 155 — — 990 Other consumer finance 10,176 266 (419) 70 10,093 Consumer finance 11,011 421 (419) 70 11,083 Tax services 1,412 27,680 — 54 29,146 Warehouse finance 319 13 — — 332 Community banking 14,187 (26) (134) — 14,027 Total loans and leases 72,389 30,199 (4,249) 553 98,892 Unfunded commitments (1) 688 91 — — 779 Total $ 73,077 $ 30,290 $ (4,249) $ 553 $ 99,671 (1) Reserve for unfunded commitments is recognized within other liabilities on the Condensed Consolidated Statements of Financial Condition. (2) As a result of the adoption of CECL, effective October 1, 2020, the provision for credit losses includes the provision for unfunded commitments that was previously included within other noninterest expense. Six Months Ended March 31, 2022 (Dollars in thousands) Beginning Balance Provision (Reversal) Charge-offs Recoveries Ending Balance Allowance for credit losses: Term lending $ 29,351 $ 1,095 $ (3,906) $ 1,028 $ 27,568 Asset based lending 1,726 736 (16) 137 2,583 Factoring 3,997 13,324 (10,864) 69 6,526 Lease financing 7,629 (1,217) (112) 171 6,471 Insurance premium finance 1,394 (211) (283) 157 1,057 SBA/USDA 2,978 180 (217) 2 2,943 Other commercial finance 1,168 29 — — 1,197 Commercial finance 48,243 13,936 (15,398) 1,564 48,345 Consumer credit products 1,242 379 — — 1,621 Other consumer finance 6,112 2,718 (1,622) 180 7,388 Consumer finance 7,354 3,097 (1,622) 180 9,009 Tax services 2 28,259 (254) 2,750 30,757 Warehouse finance 420 21 — — 441 Community banking 12,262 (12,686) — 424 — Total loans and leases 68,281 32,627 (17,274) 4,918 88,552 Unfunded commitments (1) 690 (139) — — 551 Total $ 68,971 $ 32,488 $ (17,274) $ 4,918 $ 89,103 (1) Reserve for unfunded commitments is recognized within other liabilities on the Consolidated Statements of Financial Condition. Six Months Ended March 31, 2021 (Dollars in thousands) Beginning Balance Impact of CECL Adoption Provision (Reversal) (2) Charge-offs Recoveries Ending Balance Allowance for credit losses: Term lending $ 15,211 $ 9,999 $ 7,422 $ (5,789) $ 472 $ 27,315 Asset based lending 1,406 164 1,378 (1,199) — 1,749 Factoring 3,027 987 (1,961) (1) 1,158 3,210 Lease financing 7,023 (556) 1,532 (1,347) 211 6,863 Insurance premium finance 2,129 (965) 591 (805) 376 1,326 SBA/USDA 940 2,720 (361) — 1 3,300 Other commercial finance 182 364 (5) — — 541 Commercial finance 29,918 12,713 8,596 (9,141) 2,218 44,304 Consumer credit products 845 — 145 — — 990 Other consumer finance 2,821 5,998 1,748 (637) 163 10,093 Consumer finance 3,666 5,998 1,893 (637) 163 11,083 Tax services 2 — 28,134 — 1,010 29,146 Warehouse finance 294 (1) 39 — — 332 Community banking 22,308 (5,937) (2,199) (145) — 14,027 Total loans and leases 56,188 12,773 36,463 (9,923) 3,391 98,892 Unfunded commitments (1) 32 831 (84) — — 779 Total $ 56,220 $ 13,604 $ 36,379 $ (9,923) $ 3,391 $ 99,671 (1) Reserve for unfunded commitments is recognized within other liabilities on the Consolidated Statements of Financial Condition. (2) As a result of the adoption of CECL, effective October 1, 2020, the provision for credit losses includes the provision for unfunded commitments that was previously included within other noninterest expense.
Impaired Loans and Leases	Information on loans and leases that are deemed to be collateral dependent and are evaluated individually for the ACL was as follows: (Dollars in thousands) At March 31, 2022 At September 30, 2021 Term lending $ 60,400 $ 20,965 Asset based lending 5,992 — Factoring 26,625 1,268 Lease financing 12,289 3,882 SBA/USDA 1,282 — Commercial finance (1) 106,588 26,115 Community banking — 14,915 Total $ 106,588 $ 41,030 (1) For commercial finance, collateral dependent financial assets have collateral in the form of cash, equipment, or other business assets. The following table provides the average recorded investment in nonaccrual loans and leases: Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands) 2022 2021 2022 2021 Term lending $ 10,688 $ 12,729 $ 12,305 $ 13,802 Asset based lending 5,993 572 5,002 823 Factoring 9,791 44 11,019 490 Lease financing 3,020 2,990 3,027 3,273 SBA/USDA 1,464 600 840 600 Commercial finance 30,956 16,935 32,193 18,988 Community banking — 20,199 — 14,316 Total loans and leases $ 30,956 $ 37,134 $ 32,193 $ 33,304
Asset Classification by Credit Quality Indicators of Loans and Leases	The amortized cost basis of loans and leases by asset classification and year of origination was as follows: Amortized Cost Basis (Dollars in thousands) Term Loans and Leases by Origination Year Revolving Loans and Leases Total At March 31, 2022 2022 2021 2020 2019 2018 Prior Term lending Pass $ 258,394 $ 285,900 $ 158,324 $ 55,586 $ 37,818 $ 7,731 $ — $ 803,753 Watch 27,001 94,061 55,194 23,806 2,776 2,511 — 205,349 Special Mention 1,603 9,254 16,083 3,761 607 2,954 — 34,262 Substandard 6,423 15,352 23,760 14,961 2,181 3,201 — 65,878 Doubtful 198 346 545 676 69 — — 1,834 Total 293,619 404,913 253,906 98,790 43,451 16,397 — 1,111,076 Asset based lending Pass — — — — — — 234,134 234,134 Watch — — — — — — 83,379 83,379 Special Mention — — — — — — 49,695 49,695 Substandard — — — — — — 15,147 15,147 Total — — — — — — 382,355 382,355 Factoring Pass — — — — — — 298,546 298,546 Watch — — — — — — 46,702 46,702 Special Mention — — — — — — 25,300 25,300 Substandard — — — — — — 24,289 24,289 Doubtful — — — — — — 28 28 Total — — — — — — 394,865 394,865 Lease financing Pass 22,840 52,747 57,885 9,223 4,703 222 — 147,620 Watch 1,021 10,724 13,759 7,221 2,418 43 — 35,186 Special Mention 730 15,835 7,658 411 310 238 — 25,182 Substandard 15 5,561 11,160 7,700 1,210 22 — 25,668 Doubtful — 140 406 1,195 — — — 1,741 Total 24,606 85,007 90,868 25,750 8,641 525 — 235,397 Insurance premium finance Pass 337,078 65,850 24 2 — — — 402,954 Watch 110 133 — — — — — 243 Special Mention 4 268 — — — — — 272 Substandard — 148 — — — — — 148 Doubtful — 64 — — — — — 64 Total 337,192 66,463 24 2 — — — 403,681 SBA/USDA Pass 29,689 72,935 21,521 11,737 12,299 8,786 — 156,967 Watch 904 — 19,595 2,845 968 1,344 — 25,656 Special Mention — — 1,618 213 3,970 985 — 6,786 Substandard — — 6,109 7,554 7,975 2,811 — 24,449 Doubtful — 22 315 — — — — 337 Total 30,593 72,957 49,158 22,349 25,212 13,926 — 214,195 Other commercial finance Pass 20,122 28,761 799 9,017 2,134 66,399 — 127,232 Watch — 20,000 13,282 — 443 — — 33,725 Substandard 166 9,827 — — 267 2,043 — 12,303 Total 20,288 58,588 14,081 9,017 2,844 68,442 — 173,260 Warehouse finance Pass — — — — — — 441,496 441,496 Total — — — — — — 441,496 441,496 Total loans and leases Pass 668,123 506,193 238,553 85,565 56,954 83,138 974,176 2,612,702 Watch 29,036 124,918 101,830 33,872 6,605 3,898 130,081 430,240 Special Mention 2,337 25,357 25,359 4,385 4,887 4,177 74,995 141,497 Substandard 6,604 30,888 41,029 30,215 11,633 8,077 39,436 167,882 Doubtful 198 572 1,266 1,871 69 — 28 4,004 Total $ 706,298 $ 687,928 $ 408,037 $ 155,908 $ 80,148 $ 99,290 $ 1,218,716 $ 3,356,325 Amortized Cost Basis (Dollars in thousands) Term Loans and Leases by Origination Year Revolving Loans and Leases Total At September 30, 2021 2021 2020 2019 2018 2017 Prior Term lending Pass $ 362,443 $ 192,305 $ 63,708 $ 34,381 $ 3,195 $ 1,236 $ — $ 657,268 Watch 63,046 71,701 32,941 21,419 76 3,628 — 192,811 Special Mention 6,422 26,673 4,821 932 70 633 — 39,551 Substandard 18,569 16,810 26,920 3,529 928 641 — 67,397 Doubtful 252 1,673 1,756 311 — — — 3,992 Total 450,732 309,162 130,146 60,572 4,269 6,138 — 961,019 Asset based lending Pass — — — — — — 185,432 185,432 Watch — — — — — — 52,072 52,072 Special Mention — — — — — — 43,135 43,135 Substandard — — — — — — 19,586 19,586 Total — — — — — — 300,225 300,225 Factoring Pass — — — — — — 294,124 294,124 Watch — — — — — — 17,984 17,984 Special Mention — — — — — — 33,035 33,035 Substandard — — — — — — 18,527 18,527 Total — — — — — — 363,670 363,670 Lease financing Pass 54,434 73,629 17,153 7,511 1,857 203 — 154,787 Watch 22,061 20,455 9,274 2,739 1,454 — — 55,983 Special Mention 15,402 20,595 4,148 1,546 61 — — 41,752 Substandard 479 4,765 4,981 831 25 — — 11,081 Doubtful — 6 2,402 38 1 — — 2,447 Total 92,376 119,450 37,958 12,665 3,398 203 — 266,050 Insurance premium finance Pass 428,131 144 9 — — — — 428,284 Watch 262 5 — — — — — 267 Special Mention 58 5 — — — — — 63 Substandard 68 107 — — — — — 175 Doubtful 58 20 — — — — — 78 Total 428,577 281 9 — — — — 428,867 SBA/USDA Pass 110,122 37,006 14,461 12,760 6,525 3,779 — 184,653 Watch — 20,431 1,996 1,670 1,394 298 — 25,789 Special Mention — 8,333 214 3,348 177 919 — 12,991 Substandard — 3,812 9,550 8,079 2,169 713 — 24,323 Total 110,122 69,582 26,221 25,857 10,265 5,709 — 247,756 Other commercial finance Pass 56,957 642 5,786 6,075 3,345 60,965 — 133,770 Watch — 17,404 3,409 451 — — — 21,264 Substandard 466 — — 273 837 1,299 — 2,875 Total 57,423 18,046 9,195 6,799 4,182 62,264 — 157,909 Warehouse finance Pass — — — — — — 419,926 419,926 Total — — — — — — 419,926 419,926 Community banking Pass — — 4,159 — 5,683 472 — 10,314 Watch — 10,134 — 10,854 6,133 — — 27,121 Special Mention — — 35,916 — — — — 35,916 Substandard — 119 49,449 50,626 13,933 6,110 — 120,237 Doubtful — 122 — 5,422 — — — 5,544 Total — 10,375 89,524 66,902 25,749 6,582 — 199,132 Total loans and leases Pass 1,012,088 303,727 105,274 60,727 20,605 66,655 899,481 2,468,557 Watch 85,369 140,131 47,620 37,132 9,057 3,926 70,056 393,291 Special Mention 21,882 55,606 45,099 5,826 307 1,552 76,171 206,443 Substandard 19,584 25,613 90,900 63,338 17,891 8,762 38,113 264,201 Doubtful 310 1,822 4,158 5,770 1 — — 12,061 Total $ 1,139,233 $ 526,899 $ 293,051 $ 172,793 $ 47,861 $ 80,895 $ 1,083,821 $ 3,344,553
Past Due Loans and Leases	Past due loans and leases were as follows: At March 31, 2022 Accruing and Nonaccruing Loans and Leases Nonperforming Loans and Leases (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due > 89 Days Past Due Total Past Due Current Total Loans and Leases Receivable > 89 Days Past Due and Accruing Nonaccrual Balance Total Loans held for sale $ — $ — $ — $ — $ 31,410 $ 31,410 $ — $ — $ — Term lending 17,081 1,495 5,243 23,819 1,087,257 1,111,076 1,400 10,283 11,683 Asset based lending 7 — — 7 382,348 382,355 — 5,996 5,996 Factoring — — — — 394,865 394,865 — 3,961 3,961 Lease financing 4,932 — 4,199 9,131 226,266 235,397 3,346 3,064 6,410 Insurance premium finance 1,149 768 955 2,872 400,809 403,681 955 — 955 SBA/USDA 1,462 311 1,597 3,370 210,825 214,195 — 2,023 2,023 Other commercial finance — — — — 173,260 173,260 — — — Commercial finance 24,631 2,574 11,994 39,199 2,875,630 2,914,829 5,701 25,327 31,028 Consumer credit products 4,092 3,489 3,050 10,631 161,216 171,847 3,050 — 3,050 Other consumer finance 1,737 1,986 1,764 5,487 106,435 111,922 1,764 — 1,764 Consumer finance 5,829 5,475 4,814 16,118 267,651 283,769 4,814 — 4,814 Tax services 830 — — 830 85,169 85,999 — — — Warehouse finance — — — — 441,496 441,496 — — — Community banking — — — — — — — — — Total loans and leases held for investment 31,290 8,049 16,808 56,147 3,669,946 3,726,093 10,515 25,327 35,842 Total loans and leases $ 31,290 $ 8,049 $ 16,808 $ 56,147 $ 3,701,356 $ 3,757,503 $ 10,515 $ 25,327 $ 35,842 At September 30, 2021 Accruing and Nonaccruing Loans and Leases Nonperforming Loans and Leases (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due > 89 Days Past Due Total Past Due Current Total Loans and Leases Receivable > 89 Days Past Due and Accruing Nonaccrual Balance Total Loans held for sale $ — $ — $ — $ — $ 56,194 $ 56,194 $ — $ — $ — Term lending 11,879 2,703 5,452 20,034 940,985 961,019 2,558 14,904 17,462 Asset based lending — — — — 300,225 300,225 — — — Factoring — — — — 363,670 363,670 — 1,268 1,268 Lease financing 4,909 3,336 8,401 16,646 249,404 266,050 8,345 3,158 11,503 Insurance premium finance 1,415 375 599 2,389 426,478 428,867 599 — 599 SBA/USDA 66 974 987 2,027 245,729 247,756 987 — 987 Other commercial finance — — — — 157,908 157,908 — — — Commercial finance 18,269 7,388 15,439 41,096 2,684,399 2,725,495 12,489 19,330 31,819 Consumer credit products 713 527 511 1,751 127,500 129,251 511 — 511 Other consumer finance 963 285 725 1,973 121,633 123,606 725 — 725 Consumer finance 1,676 812 1,236 3,724 249,133 252,857 1,236 — 1,236 Tax services — — 7,962 7,962 2,443 10,405 7,962 — 7,962 Warehouse finance — — — — 419,926 419,926 — — — Community banking — — — — 199,132 199,132 — 14,915 14,915 Total loans and leases held for investment 19,945 8,200 24,637 52,782 3,555,033 3,607,815 21,687 34,245 55,932 Total loans and leases $ 19,945 $ 8,200 $ 24,637 $ 52,782 $ 3,611,227 $ 3,664,009 $ 21,687 $ 34,245 $ 55,932
Financing Receivable, Nonaccrual	Nonaccrual loans and leases by year of origination at March 31, 2022 were as follows: Amortized Cost Basis Term Loans and Leases by Origination Year Revolving Loans and Leases Total Nonaccrual with No ACL (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Term lending $ 158 $ 688 $ 2,018 $ 6,851 $ 448 $ 120 $ — $ 10,283 $ 2,958 Asset based lending — — — — — — 5,996 5,996 — Factoring — — — — — — 3,961 3,961 3,525 Lease financing — — 420 2,190 440 14 — 3,064 — SBA/USDA — 22 1,690 — — 311 — 2,023 — Commercial finance 158 710 4,128 9,041 888 445 9,957 25,327 6,483 Total nonaccrual loans and leases $ 158 $ 710 $ 4,128 $ 9,041 $ 888 $ 445 $ 9,957 $ 25,327 $ 6,483 Loans and leases that are 90 days or more delinquent and accruing by year of origination at March 31, 2022 were as follows: Amortized Cost Basis Term Loans and Leases by Origination Year Revolving Loans and Leases Total (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Term lending $ 421 $ 330 $ 549 $ 100 $ — $ — $ — $ 1,400 Lease financing 1,680 883 398 161 128 96 — 3,346 Insurance premium finance 188 762 5 — — — — 955 Commercial finance 2,289 1,975 952 261 128 96 — 5,701 Consumer credit products 119 2,781 39 91 20 — — 3,050 Other consumer finance 1,034 130 — — — 600 — 1,764 Consumer finance 1,153 2,911 39 91 20 600 — 4,814 Total 90 days or more delinquent and accruing $ 3,442 $ 4,886 $ 991 $ 352 $ 148 $ 696 $ — $ 10,515

EARNINGS PER COMMON SHARE ("E_2

EARNINGS PER COMMON SHARE ("EPS") (Tables)	6 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Reconciliation of Net Income and Common Stock Share Amounts Used in Computation of Basic and Diluted EPS	A reconciliation of net income and common stock share amounts used in the computation of basic and diluted earnings per share is presented below. Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands, except per share data) 2022 2021 2022 2021 Basic income per common share: Net income attributable to Meta Financial Group, Inc. $ 49,251 $ 59,066 $ 110,575 $ 87,103 Dividends and undistributed earnings allocated to participating securities (815) (1,113) (1,773) (1,683) Basic net earnings available to common stockholders 48,436 57,953 108,802 85,420 Undistributed earnings allocated to nonvested restricted stockholders 791 1,083 1,724 1,620 Reallocation of undistributed earnings to nonvested restricted stockholders (791) (1,082) (1,723) (1,619) Diluted net earnings available to common stockholders $ 48,436 $ 57,954 $ 108,803 $ 85,421 Total weighted-average basic common shares outstanding 29,212,301 31,520,505 29,731,797 32,158,994 Effect of dilutive securities (1) Performance share units 12,061 14,517 17,035 16,490 Total effect of dilutive securities 12,061 14,517 17,035 16,490 Total weighted-average diluted common shares outstanding 29,224,362 31,535,022 29,748,832 32,175,484 Net earnings per common share: Basic earnings per common share $ 1.66 $ 1.84 $ 3.66 $ 2.66 Diluted earnings per common share (2) $ 1.66 $ 1.84 $ 3.66 $ 2.65 (1) Represents the effect of the assumed exercise of stock options and vesting of performance share units and restricted stock, as applicable, utilizing the treasury stock method.

RENTAL EQUIPMENT, NET (Tables)

RENTAL EQUIPMENT, NET (Tables)	6 Months Ended
	Mar. 31, 2022
Property, Plant and Equipment [Abstract]
Rental Equipment	Rental equipment consists of the following: (Dollars in thousands) March 31, 2022 September 30, 2021 Computers and IT networking equipment $ 21,125 $ 17,683 Motor vehicles and other 97,106 87,396 Office furniture and equipment 44,382 48,828 Solar panels and equipment 128,551 125,457 Total 291,164 279,364 Accumulated depreciation (79,579) (67,825) Unamortized initial direct costs 1,448 1,577 Net book value $ 213,033 $ 213,116
Schedule of Future Minimum Rental Payments for Operating Leases	Undiscounted future minimum lease payments expected to be received for operating leases at March 31, 2022 were as follows: (Dollars in thousands) Remaining in 2022 $ 19,801 2023 34,172 2024 26,211 2025 18,884 2026 10,789 Thereafter 14,332 Total undiscounted future minimum lease payments receivable for operating leases $ 124,189 Undiscounted future minimum operating lease payments and a reconciliation to the amount recorded as operating lease liabilities at March 31, 2022 were as follows: (Dollars in thousands) Remaining in 2022 $ 2,192 2023 3,892 2024 3,854 2025 3,718 2026 3,195 Thereafter 21,732 Total undiscounted future minimum lease payments 38,583 Discount (4,938) Total operating lease liabilities $ 33,645

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS (Tables)	6 Months Ended
	Mar. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Finite-Lived Intangible Assets	The changes in the carrying amount of the Company’s intangible assets were as follows: (Dollars in thousands) Trademark (1) Non-Compete (2) Customer Relationships (3) All Others (4) Total Intangible Assets At September 30, 2021 $ 9,823 $ 40 $ 17,868 $ 5,417 $ 33,148 Acquisitions during the period — — — 1 1 Amortization during the period (526) (40) (2,829) (262) (3,657) Write-offs during the period — — — (202) (202) At March 31, 2022 $ 9,297 $ — $ 15,039 $ 4,954 $ 29,290 Gross carrying amount $ 14,624 $ 2,481 $ 82,088 $ 9,940 $ 109,133 Accumulated amortization (5,327) (2,481) (56,801) (4,768) (69,377) Accumulated impairment — — (10,248) (218) (10,466) At March 31, 2022 $ 9,297 $ — $ 15,039 $ 4,954 $ 29,290 At September 30, 2020 $ 10,901 $ 422 $ 24,333 $ 6,036 $ 41,692 Acquisitions during the period — — — 5 5 Amortization during the period (544) (191) (3,716) (319) (4,770) Write-offs during the period — — — (24) (24) At March 31, 2021 $ 10,357 $ 231 $ 20,617 $ 5,698 $ 36,903 Gross carrying amount $ 14,624 $ 2,481 $ 82,088 $ 10,123 $ 109,316 Accumulated amortization (4,267) (2,250) (51,223) (4,207) (61,947) Accumulated impairment — — (10,248) (218) (10,466) At March 31, 2021 $ 10,357 $ 231 $ 20,617 $ 5,698 $ 36,903 (1) Book amortization period of 5-15 years. Amortized using the straight line and accelerated methods. (2) Book amortization period of 3-5 years. Amortized using the straight line method. (3) Book amortization period of 10-30 years. Amortized using the accelerated method. (4) Book amortization period of 3-20 years. Amortized using the straight line method.
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	Estimated amortization expense of intangible assets in the remaining six months of fiscal 2022 and subsequent fiscal years was as follows: (Dollars in thousands) Remaining in 2022 $ 2,763 2023 5,101 2024 4,383 2025 3,826 2026 3,252 Thereafter 9,965 Total anticipated intangible amortization $ 29,290

OPERATING LEASE RIGHT-OF-USE _2

OPERATING LEASE RIGHT-OF-USE ASSETS AND LIABILITIES (Tables)	6 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Schedule of Future Minimum Rental Payments for Operating Leases	Undiscounted future minimum lease payments expected to be received for operating leases at March 31, 2022 were as follows: (Dollars in thousands) Remaining in 2022 $ 19,801 2023 34,172 2024 26,211 2025 18,884 2026 10,789 Thereafter 14,332 Total undiscounted future minimum lease payments receivable for operating leases $ 124,189 Undiscounted future minimum operating lease payments and a reconciliation to the amount recorded as operating lease liabilities at March 31, 2022 were as follows: (Dollars in thousands) Remaining in 2022 $ 2,192 2023 3,892 2024 3,854 2025 3,718 2026 3,195 Thereafter 21,732 Total undiscounted future minimum lease payments 38,583 Discount (4,938) Total operating lease liabilities $ 33,645
Weighted-Average Discount Rate and Remaining Lease Term for Operating Leases	The weighted-average discount rate and remaining lease term for operating leases at March 31, 2022 were as follows: Weighted-average discount rate 2.34 % Weighted-average remaining lease term (years) 10.75 The components of total lease costs for operating leases were as follows: Three Months Ended March 31, Six Months Ended March 31, (Dollars in thousands) 2022 2021 2022 2021 Lease expense $ 1,119 $ 991 $ 2,256 $ 1,945 Short-term and variable lease cost 40 69 75 132 ROU asset impairment — — — 224 Sublease income (355) (177) (531) (285) Total lease cost for operating leases $ 804 $ 883 $ 1,800 $ 2,016

STOCK COMPENSATION (Tables)

STOCK COMPENSATION (Tables)	6 Months Ended
	Mar. 31, 2022
Share-based Payment Arrangement [Abstract]
Schedule of Nonvested Share Activity	The following tables show the activity of nonvested (restricted) shares and PSUs granted, vested, or forfeited under the 2002 Omnibus Incentive Plan for the six months ended March 31, 2022. There were no options granted, exercised, or forfeited under this plan during the six months ended March 31, 2022. (Dollars in thousands, except per share data) Number of Shares Weighted Average Fair Value at Grant Nonvested shares outstanding, September 30, 2021 547,063 $ 30.22 Granted 161,930 57.37 Vested (197,423) 34.29 Forfeited or expired (11,788) 42.19 Nonvested shares outstanding, March 31, 2022 499,782 $ 37.13 (Dollars in thousands, except per share data) Number of Units Weighted Average Fair Value at Grant Performance share units outstanding, September 30, 2021 60,984 $ 34.03 Granted (1) 35,705 57.20 Vested — — Forfeited or expired — — Performance share units outstanding, March 31, 2022 96,689 $ 42.59 (1) The number of PSUs granted reflects the target number of PSUs able to be earned under a given award.

INCOME TAXES (Tables)

INCOME TAXES (Tables)	6 Months Ended
	Mar. 31, 2022
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation	The table below compares the income tax expense components for the periods presented. Six Months Ended March 31, (Dollars in thousands) 2022 2021 Provision at statutory rate $ 27,899 $ 19,271 Tax-exempt income (362) (486) State income taxes 5,543 4,135 Interim period effective rate adjustment (3,870) (3,116) Tax credit investments, net - federal (5,978) (15,464) Research tax credit (355) (323) IRC 162(m) nondeductible compensation 505 487 Other, net (1,104) 161 Income tax expense $ 22,278 $ 4,665 Effective tax rate 16.66 % 4.97 %

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	6 Months Ended
	Mar. 31, 2022
Revenue from Contract with Customer [Abstract]
Schedule of Revenue by Major Customers by Reporting Segments	The table below presents the Company’s revenue by operating segment. For additional descriptions of the Company’s operating segments, including additional financial information and the underlying management accounting process, see Note 14. Segment Reporting to the Condensed Consolidated Financial Statements. (Dollars in thousands) Consumer Commercial Corporate Services/Other Consolidated Company Three Months Ended March 31, 2022 2021 2022 2021 2022 2021 2022 2021 Net interest income (1) $ 30,156 $ 25,085 $ 44,879 $ 42,404 $ 8,765 $ 6,361 $ 83,800 $ 73,850 Noninterest income: Refund transfer product fees 27,805 22,680 — — — — 27,805 22,680 Tax advance product fees (1) 39,299 44,562 — — — — 39,299 44,562 Payment card and deposit fees 26,270 29,875 — — — — 26,270 29,875 Other bank and deposit fees — — 244 126 6 7 250 133 Rental income (1) — 5 11,225 9,841 150 — 11,375 9,846 Net gain realized on investment securities (1) — — — — 260 6 260 6 Gain (loss) on sale of other (1) — — 1,229 1,624 (603) 509 626 2,133 Other income (1) 1,387 919 2,839 2,349 (345) 950 3,881 4,218 Total noninterest income 94,761 98,041 15,537 13,940 (532) 1,472 109,766 113,453 Revenue $ 124,917 $ 123,126 $ 60,416 $ 56,344 $ 8,233 $ 7,833 $ 193,566 $ 187,303 Six Months Ended March 31, Net interest income (1) $ 56,427 $ 47,432 $ 89,805 $ 84,252 $ 9,181 $ 8,165 $ 155,413 $ 139,849 Noninterest income: Refund transfer product fees 28,384 23,327 — — — — 28,384 23,327 Tax advance product fees (1) 40,532 46,522 — — — — 40,532 46,522 Payment card and deposit fees 51,402 52,439 — — — — 51,402 52,439 Other bank and deposit fees — — 475 360 12 10 487 370 Rental income (1) — 10 22,302 19,721 150 — 22,452 19,731 Net gain realized on investment securities (1) — — — — 397 6 397 6 Gain on sale of trademarks — — — — 50,000 — 50,000 — Gain (loss) on sale of other (1) — — 6,093 4,216 (8,932) 765 (2,839) 4,981 Other income (1) 2,152 1,078 5,624 4,809 (2,234) 5,645 5,542 11,532 Total noninterest income 122,470 123,376 34,494 29,106 39,393 6,426 196,357 158,908 Revenue $ 178,897 $ 170,808 $ 124,299 $ 113,358 $ 48,574 $ 14,591 $ 351,770 $ 298,757 (1) These revenues are not within the scope of Topic 606. Additional details are included in other footnotes to the accompanying financial statements. The scope of Topic 606 explicitly excludes net interest income as well as many other revenues for financial assets and liabilities, including loans, leases, and securities.

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	6 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Segment Information of Entity	The following tables present segment data for the Company: (Dollars in thousands) Consumer Commercial Corporate Services/Other Total Three Months Ended March 31, 2022 2021 2022 2021 2022 2021 2022 2021 Net interest income $ 30,156 $ 25,085 $ 44,879 $ 42,404 $ 8,765 $ 6,361 $ 83,800 $ 73,850 Provision for credit losses 29,685 28,020 2,205 2,203 412 67 32,302 30,290 Noninterest income 94,761 98,041 15,537 13,940 (532) 1,472 109,766 113,453 Noninterest expense 29,892 30,189 31,457 27,829 41,811 37,953 103,160 95,971 Income (loss) before income tax expense 65,340 64,917 26,754 26,312 (33,990) (30,187) 58,104 61,042 Total assets 456,335 531,305 3,355,196 3,030,088 3,075,708 6,228,730 6,887,239 9,790,123 Total goodwill 87,145 87,145 222,360 222,360 — — 309,505 309,505 Total deposits 5,693,063 8,447,910 6,882 12,177 129,941 182,326 5,829,886 8,642,413 Six Months Ended March 31, Net interest income $ 56,427 $ 47,432 $ 89,805 $ 84,252 $ 9,181 $ 8,165 $ 155,413 $ 139,849 Provision (reversal of) for credit losses 30,946 30,386 13,797 8,670 (12,255) (2,677) 32,488 36,379 Noninterest income 122,470 123,376 34,494 29,106 39,393 6,426 196,357 158,908 Noninterest expense 49,553 48,351 64,504 54,997 71,539 65,198 185,596 168,546 Income (loss) before income tax expense 98,398 92,071 45,998 49,691 (10,710) (47,930) 133,686 93,832 Total assets 456,335 531,305 3,355,196 3,030,088 3,075,708 6,228,730 6,887,239 9,790,123 Total goodwill 87,145 87,145 222,360 222,360 — — 309,505 309,505 Total deposits 5,693,063 8,447,910 6,882 12,177 129,941 182,326 5,829,886 8,642,413

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	6 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Summary of Fair Values of Securities Available for Sale and Held to Maturity	The following tables summarize the fair values of debt securities available for sale and equity securities as they are measured at fair value on a recurring basis: Fair Value At March 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Debt securities AFS Corporate securities $ 23,250 $ — $ 23,250 $ — SBA securities 137,400 — 137,400 — Obligations of states and political subdivisions 2,706 — 2,706 — Non-bank qualified obligations of states and political subdivisions 240,423 — 240,423 — Asset-backed securities 353,581 — 353,581 — Mortgage-backed securities 1,286,118 — 1,286,118 — Total debt securities AFS $ 2,043,478 $ — $ 2,043,478 $ — Common equities and mutual funds (1) $ 3,853 $ 3,853 $ — $ — Non-marketable equity securities (2) $ 6,165 $ — $ — $ — (1) Equity securities at fair value are included within other assets on the Condensed Consolidated Statements of Financial Condition at March 31, 2022 and September 30, 2021. (2) Consists of certain non-marketable equity securities that are measured at fair value using net asset value ("NAV") per share (or its equivalent) as a practical expedient and are excluded from the fair value hierarchy. Fair Value At September 30, 2021 (Dollars in thousands) Total Level 1 Level 2 Level 3 Debt securities AFS Corporate securities $ 25,000 $ — $ 25,000 $ — SBA securities 157,209 — 157,209 — Obligations of states and political subdivisions 2,507 — 2,507 — Non-bank qualified obligations of states and political subdivisions 268,295 — 268,295 — Asset-backed securities 394,859 — 394,859 — Mortgage-backed securities 1,017,029 — 1,017,029 — Total debt securities AFS $ 1,864,899 $ — $ 1,864,899 $ — Common equities and mutual funds (1) $ 12,668 $ 12,668 $ — $ — Non-marketable equity securities (2) $ 4,560 $ — $ — $ — (1) Equity securities at fair value are included within other assets on the Condensed Consolidated Statements of Financial Condition at March 31, 2022 and September 30, 2021. (2) Consists of certain non-marketable equity securities that are measured at fair value using NAV per share (or its equivalent) as a practical expedient and are excluded from the fair value hierarchy.
Assets Measured at Fair Value on Nonrecurring Basis	The following table summarizes the assets of the Company that are measured at fair value in the Condensed Consolidated Statements of Financial Condition on a non-recurring basis: Fair Value At March 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Loans and leases, net individually evaluated for credit loss Commercial finance $ 8,006 $ — $ — $ 8,006 Total loans and leases, net individually evaluated 8,006 — — 8,006 Foreclosed assets, net 112 — — 112 Total $ 8,118 $ — $ — $ 8,118 Fair Value At September 30, 2021 (Dollars in thousands) Total Level 1 Level 2 Level 3 Loans and leases, net individually evaluated for credit loss Commercial finance $ 3,404 $ — $ — $ 3,404 Community banking 9,371 — — 9,371 Total loans and leases, net individually evaluated 12,775 — — 12,775 Foreclosed assets, net 2,077 — — 2,077 Total $ 14,852 $ — $ — $ 14,852
Quantitative Information about Level 3 Fair Value Measurements	Quantitative Information About Level 3 Fair Value Measurements (Dollars in thousands) Fair Value at March 31, 2022 Fair Value at September 30, 2021 Valuation Unobservable Input Range of Inputs Loans and leases, net individually evaluated for credit loss $ 8,006 12,775 Market approach Appraised values (1) 4% - 35% Foreclosed assets, net $ 112 2,077 Market approach Appraised values (1) 9% - 20% (1) The Company generally relies on external appraisers to develop this information. Management reduced the appraised value by estimating selling costs and other inputs in a range of 4% to 35%.
Carrying Amount and Estimated Fair Value of Financial Instruments	The following tables present the carrying amount and estimated fair value of the financial instruments held by the Company: At March 31, 2022 (Dollars in thousands) Carrying Estimated Level 1 Level 2 Level 3 Financial assets Cash and cash equivalents $ 237,680 $ 237,680 $ 237,680 $ — $ — Debt securities available for sale 2,043,478 2,043,478 — 2,043,478 — Debt securities held to maturity 47,287 45,436 — 45,436 — Common equities and mutual funds (1) 3,853 3,853 3,853 — — Non-marketable equity securities (1)(2) 24,114 24,114 — 17,949 — Loans held for sale 31,410 31,410 — 31,410 — Loans and leases 3,726,093 3,642,987 — — 3,642,987 Federal Reserve Bank and Federal Home Loan Bank stocks 28,812 28,812 — 28,812 — Accrued interest receivable 19,115 19,115 19,115 — — Financial liabilities Deposits 5,829,886 5,829,791 5,818,128 11,663 — Other short- and long-term borrowings 91,386 92,216 — 92,216 — Accrued interest payable 571 571 571 — — (1) Equity securities at fair value are included within other assets on the Condensed Consolidated Statements of Financial Condition at March 31, 2022. (2) Includes certain non-marketable equity securities that are measured at fair value using NAV per share (or its equivalent) as a practical expedient and are excluded from the fair value hierarchy. At September 30, 2021 (Dollars in thousands) Carrying Estimated Level 1 Level 2 Level 3 Financial assets Cash and cash equivalents $ 314,019 $ 314,019 $ 314,019 $ — $ — Debt securities available for sale 1,864,899 1,864,899 — 1,864,899 — Debt securities held to maturity 56,669 56,391 — 56,391 — Common equities and mutual funds( 1) 12,668 12,668 12,668 — — Non-marketable equity securities (1)(2) 17,509 17,509 — 12,949 — Loans held for sale 56,194 56,194 — 56,194 — Loans and leases 3,607,815 3,616,646 — — 3,616,646 Federal Reserve Bank and Federal Home Loan Bank stocks 28,400 28,400 — 28,400 — Accrued interest receivable 16,254 16,254 16,254 — — Financial liabilities Deposits 5,514,971 5,515,035 5,482,471 32,564 — Other short- and long-term borrowings 92,834 93,938 — 93,938 — Accrued interest payable 579 579 579 — — (1) Equity securities at fair value are included within other assets on the Condensed Consolidated Statements of Financial Condition at September 30, 2021. (2) Includes certain non-marketable equity securities that are measured at fair value using NAV per share (or its equivalent) as a practical expedient and are excluded from the fair value hierarchy.

SIGNIFICANT EVENTS (Details)

SIGNIFICANT EVENTS (Details) - USD ($) $ in Thousands	Dec. 07, 2021	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Unusual or Infrequent Item, or Both [Line Items]
Proceeds from sale of trademarks				$ 50,000	$ 0
Noninterest income		$ 109,766	$ 113,453	196,357	$ 158,908
Purchase agreement receivable	$ 10,000
Noninterest rebranding expense		$ 2,800
Rebranding
Unusual or Infrequent Item, or Both [Line Items]
Cash received in purchase agreement	60,000
Proceeds from sale of trademarks	50,000
Noninterest income				$ 50,000
Remaining consideration to be paid	$ 10,000

SECURITIES - Narrative (Details

SECURITIES - Narrative (Details)	6 Months Ended
	Mar. 31, 2022USD ($)security	Mar. 31, 2021USD ($)	Sep. 30, 2021USD ($)
Debt Securities, Available-for-sale [Line Items]
AFS number of securities in an unrealized loss position (in securities) | security	80
Federal reserve bank stock	$ 19,700,000		$ 19,700,000
Federal home loan bank stock	9,100,000		8,700,000
Impairment recognized	0
Marketable
Debt Securities, Available-for-sale [Line Items]
Equity securities	3,900,000		12,700,000
Unrealized losses on equity securities	3,800,000	$ 0
Gain on security sold	300,000
Non-marketable
Debt Securities, Available-for-sale [Line Items]
Equity securities	6,200,000		4,600,000
Unrealized gains on equity securities	300,000	$ 200,000
Equity securities without readily determinable fair value, amount	20,900,000		$ 16,000,000
Gain on security sold	$ 100,000

SECURITIES - Available for Sale

SECURITIES - Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Available-for-sale debt securities [Abstract]
Amortized Cost	$ 2,136,832	$ 1,855,084
Fair Value	2,043,478	1,864,899
Amortized Cost
Due in one year or less	240	810
Due after one year through five years	11,029	13,026
Due after five years through ten years	74,314	50,785
Due after ten years	690,508	773,985
Total	776,091	838,606
Mortgage-backed securities	1,360,741	1,016,478
Fair Value
Due in one year or less	241	822
Due after one year through five years	10,855	13,378
Due after five years through ten years	71,056	52,357
Due after ten years	675,208	781,313
Total	757,360	847,870
Mortgage-backed securities	1,286,118	1,017,029
Corporate securities
Available-for-sale debt securities [Abstract]
Amortized Cost	25,000	25,000
Gross Unrealized Gains	0	0
Gross Unrealized (Losses)	(1,750)	0
Fair Value	23,250	25,000
LESS THAN 12 MONTHS, Fair Value	23,250
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(1,750)
OVER 12 MONTHS, Fair Value	0
OVER 12 MONTHS, Gross Unrealized (Losses)	0
TOTAL, Fair Value	23,250
TOTAL, Gross Unrealized (Losses)	(1,750)
SBA securities
Available-for-sale debt securities [Abstract]
Amortized Cost	137,330	151,958
Gross Unrealized Gains	1,429	5,251
Gross Unrealized (Losses)	(1,359)	0
Fair Value	137,400	157,209
LESS THAN 12 MONTHS, Fair Value	50,022
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(1,359)
OVER 12 MONTHS, Fair Value	0
OVER 12 MONTHS, Gross Unrealized (Losses)	0
TOTAL, Fair Value	50,022
TOTAL, Gross Unrealized (Losses)	(1,359)
Obligations of states and political subdivisions
Available-for-sale debt securities [Abstract]
Amortized Cost	2,777	2,497
Gross Unrealized Gains	1	10
Gross Unrealized (Losses)	(72)	0
Fair Value	2,706	2,507
LESS THAN 12 MONTHS, Fair Value	2,158
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(72)
OVER 12 MONTHS, Fair Value	0
OVER 12 MONTHS, Gross Unrealized (Losses)	0
TOTAL, Fair Value	2,158
TOTAL, Gross Unrealized (Losses)	(72)
Non-bank qualified obligations of states and political subdivisions
Available-for-sale debt securities [Abstract]
Amortized Cost	249,576	266,048
Gross Unrealized Gains	153	3,347
Gross Unrealized (Losses)	(9,306)	(1,100)
Fair Value	240,423	268,295
LESS THAN 12 MONTHS, Fair Value	214,073	101,046
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(9,180)	(1,100)
OVER 12 MONTHS, Fair Value	1,314	0
OVER 12 MONTHS, Gross Unrealized (Losses)	(126)	0
TOTAL, Fair Value	215,387	101,046
TOTAL, Gross Unrealized (Losses)	(9,306)	(1,100)
Asset-backed securities
Available-for-sale debt securities [Abstract]
Amortized Cost	361,408	393,103
Gross Unrealized Gains	1,636	3,003
Gross Unrealized (Losses)	(9,463)	(1,247)
Fair Value	353,581	394,859
LESS THAN 12 MONTHS, Fair Value	154,196	127,110
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(4,375)	(283)
OVER 12 MONTHS, Fair Value	111,397	91,553
OVER 12 MONTHS, Gross Unrealized (Losses)	(5,088)	(964)
TOTAL, Fair Value	265,593	218,663
TOTAL, Gross Unrealized (Losses)	(9,463)	(1,247)
Mortgage-backed securities
Available-for-sale debt securities [Abstract]
Amortized Cost	1,360,741	1,016,478
Gross Unrealized Gains	232	9,728
Gross Unrealized (Losses)	(74,855)	(9,177)
Fair Value	1,286,118	1,017,029
LESS THAN 12 MONTHS, Fair Value	1,014,462	759,035
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(58,435)	(7,418)
OVER 12 MONTHS, Fair Value	206,040	60,792
OVER 12 MONTHS, Gross Unrealized (Losses)	(16,420)	(1,759)
TOTAL, Fair Value	1,220,502	819,827
TOTAL, Gross Unrealized (Losses)	(74,855)	(9,177)
Total debt securities AFS
Available-for-sale debt securities [Abstract]
Amortized Cost	2,136,832	1,855,084
Gross Unrealized Gains	3,451	21,339
Gross Unrealized (Losses)	(96,805)	(11,524)
Fair Value	2,043,478	1,864,899
LESS THAN 12 MONTHS, Fair Value	1,458,161	987,191
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(75,171)	(8,801)
OVER 12 MONTHS, Fair Value	318,751	152,345
OVER 12 MONTHS, Gross Unrealized (Losses)	(21,634)	(2,723)
TOTAL, Fair Value	1,776,912	1,139,536
TOTAL, Gross Unrealized (Losses)	$ (96,805)	$ (11,524)

SECURITIES - Held to Maturity (

SECURITIES - Held to Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	$ 47,287	$ 56,669
Gross Unrealized Gains	0	193
Gross Unrealized (Losses)	(1,851)	(471)
Fair Value	45,436	56,391
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position [Abstract]
LESS THAN 12 MONTHS, Fair Value	45,437	26,096
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(1,851)	(471)
OVER 12 MONTHS, Fair Value	0	0
OVER 12 MONTHS, Gross Unrealized (Losses)	0	0
TOTAL, Fair Value	45,437	26,096
TOTAL, Gross Unrealized (Losses)	(1,851)	(471)
Amortized Cost
Due after ten years	44,369	52,944
Total	44,369	52,944
Mortgage-backed securities	2,918	3,725
Fair Value
Due after ten years	42,601	52,576
Total	42,601	52,576
Mortgage-backed securities	2,835	3,815
Non-bank qualified obligations of states and political subdivisions
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	44,369	52,944
Gross Unrealized Gains	0	103
Gross Unrealized (Losses)	(1,768)	(471)
Fair Value	42,601	52,576
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position [Abstract]
LESS THAN 12 MONTHS, Fair Value	42,602	26,096
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(1,768)	(471)
OVER 12 MONTHS, Fair Value	0	0
OVER 12 MONTHS, Gross Unrealized (Losses)	0	0
TOTAL, Fair Value	42,602	26,096
TOTAL, Gross Unrealized (Losses)	(1,768)	(471)
Mortgage-backed securities
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	2,918	3,725
Gross Unrealized Gains	0	90
Gross Unrealized (Losses)	(83)	0
Fair Value	2,835	$ 3,815
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position [Abstract]
LESS THAN 12 MONTHS, Fair Value	2,835
LESS THAN 12 MONTHS, Gross Unrealized (Losses)	(83)
OVER 12 MONTHS, Fair Value	0
OVER 12 MONTHS, Gross Unrealized (Losses)	0
TOTAL, Fair Value	2,835
TOTAL, Gross Unrealized (Losses)	$ (83)

LOANS AND LEASES, NET - Summary

LOANS AND LEASES, NET - Summary of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 3,726,093		$ 3,607,815
Net deferred loan origination costs	4,097		1,748
Total gross loans and leases	3,730,190		3,609,563
Allowance for credit losses	(88,552)		(68,281)
Total loans and leases, net	3,641,638		3,541,282
National Lending | Term lending
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,111,076		961,019
Allowance for credit losses	(27,568)	$ (26,722)	(29,351)	$ (27,315)	$ (28,220)	$ (15,211)
National Lending | Asset based lending
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	382,355		300,225
Allowance for credit losses	(2,583)	(2,758)	(1,726)	(1,749)	(1,809)	(1,406)
National Lending | Factoring
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	394,865		363,670
Allowance for credit losses	(6,526)	(15,242)	(3,997)	(3,210)	(3,719)	(3,027)
National Lending | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	235,397		266,050
Allowance for credit losses	(6,471)	(6,857)	(7,629)	(6,863)	(6,784)	(7,023)
National Lending | Insurance premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	403,681		428,867
Allowance for credit losses	(1,057)	(1,044)	(1,394)	(1,326)	(1,285)	(2,129)
National Lending | SBA/USDA
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	214,195		247,756
Allowance for credit losses	(2,943)	(2,996)	(2,978)	(3,300)	(3,164)	(940)
National Lending | Other commercial finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	173,260		157,908
Allowance for credit losses	(1,197)	(1,349)	(1,168)	(541)	(479)	(182)
National Lending | Commercial finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,914,829		2,725,495
Allowance for credit losses	(48,345)	(56,968)	(48,243)	(44,304)	(45,460)	(29,918)
National Lending | Consumer credit products
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	171,847		129,251
Allowance for credit losses	(1,621)	(1,627)	(1,242)	(990)	(835)	(845)
National Lending | Other consumer finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	111,922		123,606
Allowance for credit losses	(7,388)	(6,960)	(6,112)	(10,093)	(10,176)	(2,821)
National Lending | Consumer finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	283,769		252,857
Allowance for credit losses	(9,009)	(8,587)	(7,354)	(11,083)	(11,011)	(3,666)
National Lending | Tax services
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	85,999		10,405
Allowance for credit losses	(30,757)	(1,601)	(2)	(29,146)	(1,412)	(2)
National Lending | Warehouse finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	441,496		419,926
Allowance for credit losses	(441)	(467)	(420)	(332)	(319)	$ (294)
Community Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0		$ 199,132
Allowance for credit losses	$ 0	$ 0		$ (14,027)	$ (14,187)

LOANS AND LEASES, NET - Additio

LOANS AND LEASES, NET - Additional Information (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases to held for sale	$ 169,045	$ 99,922
Originated loans held for sale	555,397	361,722
Proceeds from sale of loans held-for-sale	723,900	476,000
Gain (loss) on sale of loans and leases	(4,100)	4,600
Loans and leases	3,730,190		$ 3,609,563
Community Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Servicing fee expense	200	1,600	3,300
Additional loans sold	$ 192,500	233,000	308,100
COVID-19 Pandemic
Accounts, Notes, Loans and Financing Receivable [Line Items]
Trial modifications, threshold of past due days prior to onset of pandemic effects	30 days
Loans and leases still in deferment period	$ 400
Consumer finance portfolio segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	283,800		252,900
Tax services loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	86,000		$ 10,400
National Lending | Consumer Finance and SBA/USDA Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Originated loans held for sale	$ 555,400	$ 361,700
Minimum | COVID-19 Pandemic
Accounts, Notes, Loans and Financing Receivable [Line Items]
Trial modifications, payment deferral period	30 days
Maximum | COVID-19 Pandemic
Accounts, Notes, Loans and Financing Receivable [Line Items]
Trial modifications, payment deferral period	6 months

LOANS AND LEASES, NET - Schedul

LOANS AND LEASES, NET - Schedule of Loans Purchased and Sold, by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Purchased, Loans held for investment	$ 31,200	$ 34,153	$ 88,913	$ 99,083
Loans Sold, Loans held for sale			723,942	575,931
Loans Sold, Total sales	176,802	24,382	769,726	476,034
National Lending | Commercial finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Purchased, Loans held for investment	1,378	0	3,098	0
Loans Sold, Loans held for sale	14,090	4,591	47,113	34,915
Loans Sold, Loans held for investment	15,549	0	15,549	0
National Lending | Warehouse finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Purchased, Loans held for investment	29,822	33,605	85,815	96,236
National Lending | Consumer finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Sold, Loans held for sale	147,163	19,791	523,607	311,331
Community Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Purchased, Loans held for investment	0	548	0	2,847
Loans Sold, Loans held for sale	0	0	153,222	129,788
Loans Sold, Loans held for investment	$ 0	$ 0	$ 30,235	$ 0

LOANS AND LEASES, NET - Direct

LOANS AND LEASES, NET - Direct Financing and Sales-type Leases, and Lease Receivable Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Net Investment in Lease [Abstract]
Carrying amount	$ 244,030	$ 278,341
Unguaranteed residual assets	13,009	14,393
Unamortized initial direct costs	406	490
Unearned income	(21,642)	(26,684)
Total net investment in direct financing and sales-type leases	235,803	$ 266,540
Sales-type and Direct Financing Leases, Lease Receivable, Fiscal Year Maturity [Abstract]
Remaining in 2022	52,751
2023	90,718
2024	59,489
2025	28,337
2026	9,087
Thereafter	3,648
Total undiscounted future minimum lease payments receivable for direct financing and sales-type leases	244,030
Third-party residual value guarantees	0
Total carrying amount of direct financing and sales-type leases	$ 244,030

LOANS AND LEASES, NET - Allowan

LOANS AND LEASES, NET - Allowance for Loan Losses and Recorded Investment in Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Allowance for Credit Losses [Roll Forward]
Beginning Balance			$ 68,281
Provision (Reversal)	$ 32,302	$ 30,290	32,488	$ 36,379
Ending Balance	88,552		88,552
Total Committed Loans
Allowance for Credit Losses [Roll Forward]
Beginning Balance	67,623	72,389	68,281	56,188
Provision (Reversal)	32,156	30,199	32,627	36,463
Charge-offs	(12,415)	(4,249)	(17,274)	(9,923)
Recoveries	1,188	553	4,918	3,391
Ending Balance	88,552	98,892	88,552	98,892
Total Committed Loans | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				12,773
Unfunded commitments
Allowance for Credit Losses [Roll Forward]
Beginning Balance	405	688	690	32
Provision (Reversal)	146	91	(139)	(84)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending Balance	551	779	551	779
Unfunded commitments | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				831
Total Loans
Allowance for Credit Losses [Roll Forward]
Beginning Balance	68,028	73,077	68,971	56,220
Provision (Reversal)	32,302	30,290	32,488	36,379
Charge-offs	(12,415)	(4,249)	(17,274)	(9,923)
Recoveries	1,188	553	4,918	3,391
Ending Balance	89,103	99,671	89,103	99,671
Total Loans | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				13,604
National Lending | Term lending
Allowance for Credit Losses [Roll Forward]
Beginning Balance	26,722	28,220	29,351	15,211
Provision (Reversal)	1,954	1,396	1,095	7,422
Charge-offs	(1,822)	(2,477)	(3,906)	(5,789)
Recoveries	714	176	1,028	472
Ending Balance	27,568	27,315	27,568	27,315
National Lending | Term lending | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				9,999
National Lending | Asset based lending
Allowance for Credit Losses [Roll Forward]
Beginning Balance	2,758	1,809	1,726	1,406
Provision (Reversal)	(175)	539	736	1,378
Charge-offs	0	(599)	(16)	(1,199)
Recoveries	0	0	137	0
Ending Balance	2,583	1,749	2,583	1,749
National Lending | Asset based lending | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				164
National Lending | Factoring
Allowance for Credit Losses [Roll Forward]
Beginning Balance	15,242	3,719	3,997	3,027
Provision (Reversal)	823	(545)	13,324	(1,961)
Charge-offs	(9,590)	0	(10,864)	(1)
Recoveries	51	36	69	1,158
Ending Balance	6,526	3,210	6,526	3,210
National Lending | Factoring | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				987
National Lending | Lease financing
Allowance for Credit Losses [Roll Forward]
Beginning Balance	6,857	6,784	7,629	7,023
Provision (Reversal)	(395)	420	(1,217)	1,532
Charge-offs	(95)	(471)	(112)	(1,347)
Recoveries	104	130	171	211
Ending Balance	6,471	6,863	6,471	6,863
National Lending | Lease financing | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				(556)
National Lending | Insurance premium finance
Allowance for Credit Losses [Roll Forward]
Beginning Balance	1,044	1,285	1,394	2,129
Provision (Reversal)	59	103	(211)	591
Charge-offs	(106)	(149)	(283)	(805)
Recoveries	60	87	157	376
Ending Balance	1,057	1,326	1,057	1,326
National Lending | Insurance premium finance | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				(965)
National Lending | SBA/USDA
Allowance for Credit Losses [Roll Forward]
Beginning Balance	2,996	3,164	2,978	940
Provision (Reversal)	(53)	136	180	(361)
Charge-offs	0	0	(217)	0
Recoveries	0	0	2	1
Ending Balance	2,943	3,300	2,943	3,300
National Lending | SBA/USDA | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				2,720
National Lending | Other commercial finance
Allowance for Credit Losses [Roll Forward]
Beginning Balance	1,349	479	1,168	182
Provision (Reversal)	(152)	62	29	(5)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending Balance	1,197	541	1,197	541
National Lending | Other commercial finance | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				364
National Lending | Commercial finance
Allowance for Credit Losses [Roll Forward]
Beginning Balance	56,968	45,460	48,243	29,918
Provision (Reversal)	2,061	2,111	13,936	8,596
Charge-offs	(11,613)	(3,696)	(15,398)	(9,141)
Recoveries	929	429	1,564	2,218
Ending Balance	48,345	44,304	48,345	44,304
National Lending | Commercial finance | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				12,713
National Lending | Consumer credit products
Allowance for Credit Losses [Roll Forward]
Beginning Balance	1,627	835	1,242	845
Provision (Reversal)	(6)	155	379	145
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending Balance	1,621	990	1,621	990
National Lending | Consumer credit products | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				0
National Lending | Other consumer finance
Allowance for Credit Losses [Roll Forward]
Beginning Balance	6,960	10,176	6,112	2,821
Provision (Reversal)	1,157	266	2,718	1,748
Charge-offs	(802)	(419)	(1,622)	(637)
Recoveries	73	70	180	163
Ending Balance	7,388	10,093	7,388	10,093
National Lending | Other consumer finance | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				5,998
National Lending | Consumer finance
Allowance for Credit Losses [Roll Forward]
Beginning Balance	8,587	11,011	7,354	3,666
Provision (Reversal)	1,151	421	3,097	1,893
Charge-offs	(802)	(419)	(1,622)	(637)
Recoveries	73	70	180	163
Ending Balance	9,009	11,083	9,009	11,083
National Lending | Consumer finance | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				5,998
National Lending | Tax services
Allowance for Credit Losses [Roll Forward]
Beginning Balance	1,601	1,412	2	2
Provision (Reversal)	28,972	27,680	28,259	28,134
Charge-offs	0	0	(254)	0
Recoveries	184	54	2,750	1,010
Ending Balance	30,757	29,146	30,757	29,146
National Lending | Tax services | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				0
National Lending | Warehouse finance
Allowance for Credit Losses [Roll Forward]
Beginning Balance	467	319	420	294
Provision (Reversal)	(26)	13	21	39
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending Balance	441	332	441	332
National Lending | Warehouse finance | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				(1)
Community Banking
Allowance for Credit Losses [Roll Forward]
Beginning Balance	0	14,187
Provision (Reversal)	(2)	(26)
Charge-offs	0	(134)
Recoveries	2	0
Ending Balance	0	14,027	0	14,027
Community banking
Allowance for Credit Losses [Roll Forward]
Beginning Balance			12,262	22,308
Provision (Reversal)			(12,686)	(2,199)
Charge-offs			0	(145)
Recoveries			424	0
Ending Balance	$ 0	$ 14,027	$ 0	14,027
Community banking | Adjustment
Allowance for Credit Losses [Roll Forward]
Beginning Balance				$ (5,937)

LOANS AND LEASES, NET - Impaire

LOANS AND LEASES, NET - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Financing Receivable, Impaired [Line Items]
Impaired loans, unpaid balance	$ 106,588	$ 41,030	$ 106,588	$ 41,030
Average recorded investment	30,956	37,134	32,193	33,304
National Lending | Term lending
Financing Receivable, Impaired [Line Items]
Impaired loans, unpaid balance	60,400	20,965	60,400	20,965
Average recorded investment	10,688	12,729	12,305	13,802
National Lending | Asset based lending
Financing Receivable, Impaired [Line Items]
Impaired loans, unpaid balance	5,992	0	5,992	0
Average recorded investment	5,993	572	5,002	823
National Lending | Factoring
Financing Receivable, Impaired [Line Items]
Impaired loans, unpaid balance	26,625	1,268	26,625	1,268
Average recorded investment	9,791	44	11,019	490
National Lending | Lease financing
Financing Receivable, Impaired [Line Items]
Impaired loans, unpaid balance	12,289	3,882	12,289	3,882
Average recorded investment	3,020	2,990	3,027	3,273
National Lending | SBA/USDA
Financing Receivable, Impaired [Line Items]
Impaired loans, unpaid balance	1,282	0	1,282	0
Average recorded investment	1,464	600	840	600
National Lending | Commercial finance
Financing Receivable, Impaired [Line Items]
Impaired loans, unpaid balance	106,588	26,115	106,588	26,115
Average recorded investment	30,956	16,935	32,193	18,988
Community Banking
Financing Receivable, Impaired [Line Items]
Impaired loans, unpaid balance	0	14,915	0	14,915
Average recorded investment	$ 0	$ 20,199	$ 0	$ 14,316

LOANS AND LEASES, NET - Credit

LOANS AND LEASES, NET - Credit Quality Indicator (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans and leases	$ 3,730,190	$ 3,609,563
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	668,123	1,012,088
2021	506,193	303,727
2020	238,553	105,274
2019	85,565	60,727
2018	56,954	20,605
Prior	83,138	66,655
Revolving Loans and Leases	974,176	899,481
Total gross loans and leases	2,612,702	2,468,557
Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022	29,036	85,369
2021	124,918	140,131
2020	101,830	47,620
2019	33,872	37,132
2018	6,605	9,057
Prior	3,898	3,926
Revolving Loans and Leases	130,081	70,056
Total gross loans and leases	430,240	393,291
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	2,337	21,882
2021	25,357	55,606
2020	25,359	45,099
2019	4,385	5,826
2018	4,887	307
Prior	4,177	1,552
Revolving Loans and Leases	74,995	76,171
Total gross loans and leases	141,497	206,443
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	6,604	19,584
2021	30,888	25,613
2020	41,029	90,900
2019	30,215	63,338
2018	11,633	17,891
Prior	8,077	8,762
Revolving Loans and Leases	39,436	38,113
Total gross loans and leases	167,882	264,201
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	198	310
2021	572	1,822
2020	1,266	4,158
2019	1,871	5,770
2018	69	1
Prior	0	0
Revolving Loans and Leases	28	0
Total gross loans and leases	4,004	12,061
Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	706,298	1,139,233
2021	687,928	526,899
2020	408,037	293,051
2019	155,908	172,793
2018	80,148	47,861
Prior	99,290	80,895
Revolving Loans and Leases	1,218,716	1,083,821
Total gross loans and leases	3,356,325	3,344,553
National Lending | Term lending | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	258,394	362,443
2021	285,900	192,305
2020	158,324	63,708
2019	55,586	34,381
2018	37,818	3,195
Prior	7,731	1,236
Revolving Loans and Leases	0	0
Total gross loans and leases	803,753	657,268
National Lending | Term lending | Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022	27,001	63,046
2021	94,061	71,701
2020	55,194	32,941
2019	23,806	21,419
2018	2,776	76
Prior	2,511	3,628
Revolving Loans and Leases	0	0
Total gross loans and leases	205,349	192,811
National Lending | Term lending | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	1,603	6,422
2021	9,254	26,673
2020	16,083	4,821
2019	3,761	932
2018	607	70
Prior	2,954	633
Revolving Loans and Leases	0	0
Total gross loans and leases	34,262	39,551
National Lending | Term lending | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	6,423	18,569
2021	15,352	16,810
2020	23,760	26,920
2019	14,961	3,529
2018	2,181	928
Prior	3,201	641
Revolving Loans and Leases	0	0
Total gross loans and leases	65,878	67,397
National Lending | Term lending | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	198	252
2021	346	1,673
2020	545	1,756
2019	676	311
2018	69	0
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	1,834	3,992
National Lending | Term lending | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	293,619	450,732
2021	404,913	309,162
2020	253,906	130,146
2019	98,790	60,572
2018	43,451	4,269
Prior	16,397	6,138
Revolving Loans and Leases	0	0
Total gross loans and leases	1,111,076	961,019
National Lending | Asset based lending | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	234,134	185,432
Total gross loans and leases	234,134	185,432
National Lending | Asset based lending | Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	83,379	52,072
Total gross loans and leases	83,379	52,072
National Lending | Asset based lending | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	49,695	43,135
Total gross loans and leases	49,695	43,135
National Lending | Asset based lending | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	15,147	19,586
Total gross loans and leases	15,147	19,586
National Lending | Asset based lending | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	382,355	300,225
Total gross loans and leases	382,355	300,225
National Lending | Factoring | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	298,546	294,124
Total gross loans and leases	298,546	294,124
National Lending | Factoring | Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	46,702	17,984
Total gross loans and leases	46,702	17,984
National Lending | Factoring | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	25,300	33,035
Total gross loans and leases	25,300	33,035
National Lending | Factoring | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	24,289	18,527
Total gross loans and leases	24,289	18,527
National Lending | Factoring | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving Loans and Leases	28
Total gross loans and leases	28
National Lending | Factoring | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	394,865	363,670
Total gross loans and leases	394,865	363,670
National Lending | Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	22,840	54,434
2021	52,747	73,629
2020	57,885	17,153
2019	9,223	7,511
2018	4,703	1,857
Prior	222	203
Revolving Loans and Leases	0	0
Total gross loans and leases	147,620	154,787
National Lending | Lease financing | Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022	1,021	22,061
2021	10,724	20,455
2020	13,759	9,274
2019	7,221	2,739
2018	2,418	1,454
Prior	43	0
Revolving Loans and Leases	0	0
Total gross loans and leases	35,186	55,983
National Lending | Lease financing | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	730	15,402
2021	15,835	20,595
2020	7,658	4,148
2019	411	1,546
2018	310	61
Prior	238	0
Revolving Loans and Leases	0	0
Total gross loans and leases	25,182	41,752
National Lending | Lease financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	15	479
2021	5,561	4,765
2020	11,160	4,981
2019	7,700	831
2018	1,210	25
Prior	22	0
Revolving Loans and Leases	0	0
Total gross loans and leases	25,668	11,081
National Lending | Lease financing | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	140	6
2020	406	2,402
2019	1,195	38
2018	0	1
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	1,741	2,447
National Lending | Lease financing | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	24,606	92,376
2021	85,007	119,450
2020	90,868	37,958
2019	25,750	12,665
2018	8,641	3,398
Prior	525	203
Revolving Loans and Leases	0	0
Total gross loans and leases	235,397	266,050
National Lending | Insurance premium finance | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	337,078	428,131
2021	65,850	144
2020	24	9
2019	2	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	402,954	428,284
National Lending | Insurance premium finance | Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022	110	262
2021	133	5
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	243	267
National Lending | Insurance premium finance | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	4	58
2021	268	5
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	272	63
National Lending | Insurance premium finance | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	68
2021	148	107
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	148	175
National Lending | Insurance premium finance | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	58
2021	64	20
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	64	78
National Lending | Insurance premium finance | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	337,192	428,577
2021	66,463	281
2020	24	9
2019	2	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	403,681	428,867
National Lending | SBA/USDA | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	29,689	110,122
2021	72,935	37,006
2020	21,521	14,461
2019	11,737	12,760
2018	12,299	6,525
Prior	8,786	3,779
Revolving Loans and Leases	0	0
Total gross loans and leases	156,967	184,653
National Lending | SBA/USDA | Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022	904	0
2021	0	20,431
2020	19,595	1,996
2019	2,845	1,670
2018	968	1,394
Prior	1,344	298
Revolving Loans and Leases	0	0
Total gross loans and leases	25,656	25,789
National Lending | SBA/USDA | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	8,333
2020	1,618	214
2019	213	3,348
2018	3,970	177
Prior	985	919
Revolving Loans and Leases	0	0
Total gross loans and leases	6,786	12,991
National Lending | SBA/USDA | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	3,812
2020	6,109	9,550
2019	7,554	8,079
2018	7,975	2,169
Prior	2,811	713
Revolving Loans and Leases	0	0
Total gross loans and leases	24,449	24,323
National Lending | SBA/USDA | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	22
2020	315
2019	0
2018	0
Prior	0
Revolving Loans and Leases	0
Total gross loans and leases	337
National Lending | SBA/USDA | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	30,593	110,122
2021	72,957	69,582
2020	49,158	26,221
2019	22,349	25,857
2018	25,212	10,265
Prior	13,926	5,709
Revolving Loans and Leases	0	0
Total gross loans and leases	214,195	247,756
National Lending | Other commercial finance | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	20,122	56,957
2021	28,761	642
2020	799	5,786
2019	9,017	6,075
2018	2,134	3,345
Prior	66,399	60,965
Revolving Loans and Leases	0	0
Total gross loans and leases	127,232	133,770
National Lending | Other commercial finance | Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	20,000	17,404
2020	13,282	3,409
2019	0	451
2018	443	0
Prior	0	0
Revolving Loans and Leases	0	0
Total gross loans and leases	33,725	21,264
National Lending | Other commercial finance | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	166	466
2021	9,827	0
2020	0	0
2019	0	273
2018	267	837
Prior	2,043	1,299
Revolving Loans and Leases	0	0
Total gross loans and leases	12,303	2,875
National Lending | Other commercial finance | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	20,288	57,423
2021	58,588	18,046
2020	14,081	9,195
2019	9,017	6,799
2018	2,844	4,182
Prior	68,442	62,264
Revolving Loans and Leases	0	0
Total gross loans and leases	173,260	157,909
National Lending | Warehouse finance | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	441,496	419,926
Total gross loans and leases	441,496	419,926
National Lending | Warehouse finance | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans and Leases	441,496	419,926
Total gross loans and leases	$ 441,496	419,926
Community Banking | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022		0
2021		0
2020		4,159
2019		0
2018		5,683
Prior		472
Revolving Loans and Leases		0
Total gross loans and leases		10,314
Community Banking | Watch
Financing Receivable, Credit Quality Indicator [Line Items]
2022		0
2021		10,134
2020		0
2019		10,854
2018		6,133
Prior		0
Revolving Loans and Leases		0
Total gross loans and leases		27,121
Community Banking | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022		0
2021		0
2020		35,916
2019		0
2018		0
Prior		0
Revolving Loans and Leases		0
Total gross loans and leases		35,916
Community Banking | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022		0
2021		119
2020		49,449
2019		50,626
2018		13,933
Prior		6,110
Revolving Loans and Leases		0
Total gross loans and leases		120,237
Community Banking | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022		0
2021		122
2020		0
2019		5,422
2018		0
Prior		0
Revolving Loans and Leases		0
Total gross loans and leases		5,544
Community Banking | Total
Financing Receivable, Credit Quality Indicator [Line Items]
2022		0
2021		10,375
2020		89,524
2019		66,902
2018		25,749
Prior		6,582
Revolving Loans and Leases		0
Total gross loans and leases		$ 199,132

LOANS AND LEASES, NET - Past Du

LOANS AND LEASES, NET - Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Past Due [Line Items]
Loans and leases	$ 3,730,190	$ 3,609,563
Accruing and Nonaccruing Loans and Leases
Financing Receivable, Past Due [Line Items]
Loans and leases	3,757,503	3,664,009
Accruing and Nonaccruing Loans and Leases | Total loans and leases held for investment
Financing Receivable, Past Due [Line Items]
Loans and leases	3,726,093	3,607,815
Accruing and Nonaccruing Loans and Leases | National Lending | Loans held for sale
Financing Receivable, Past Due [Line Items]
Loans and leases	31,410	56,194
Accruing and Nonaccruing Loans and Leases | National Lending | Term lending
Financing Receivable, Past Due [Line Items]
Loans and leases	1,111,076	961,019
Accruing and Nonaccruing Loans and Leases | National Lending | Asset based lending
Financing Receivable, Past Due [Line Items]
Loans and leases	382,355	300,225
Accruing and Nonaccruing Loans and Leases | National Lending | Factoring
Financing Receivable, Past Due [Line Items]
Loans and leases	394,865	363,670
Accruing and Nonaccruing Loans and Leases | National Lending | Lease financing
Financing Receivable, Past Due [Line Items]
Loans and leases	235,397	266,050
Accruing and Nonaccruing Loans and Leases | National Lending | Insurance premium finance
Financing Receivable, Past Due [Line Items]
Loans and leases	403,681	428,867
Accruing and Nonaccruing Loans and Leases | National Lending | SBA/USDA
Financing Receivable, Past Due [Line Items]
Loans and leases	214,195	247,756
Accruing and Nonaccruing Loans and Leases | National Lending | Other commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	173,260	157,908
Accruing and Nonaccruing Loans and Leases | National Lending | Commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	2,914,829	2,725,495
Accruing and Nonaccruing Loans and Leases | National Lending | Consumer credit products
Financing Receivable, Past Due [Line Items]
Loans and leases	171,847	129,251
Accruing and Nonaccruing Loans and Leases | National Lending | Other consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	111,922	123,606
Accruing and Nonaccruing Loans and Leases | National Lending | Consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	283,769	252,857
Accruing and Nonaccruing Loans and Leases | National Lending | Tax services
Financing Receivable, Past Due [Line Items]
Loans and leases	85,999	10,405
Accruing and Nonaccruing Loans and Leases | National Lending | Warehouse finance
Financing Receivable, Past Due [Line Items]
Loans and leases	441,496	419,926
Accruing and Nonaccruing Loans and Leases | Community Banking
Financing Receivable, Past Due [Line Items]
Loans and leases	0	199,132
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans and leases	31,290	19,945
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | Total loans and leases held for investment
Financing Receivable, Past Due [Line Items]
Loans and leases	31,290	19,945
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Loans held for sale
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Term lending
Financing Receivable, Past Due [Line Items]
Loans and leases	17,081	11,879
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Asset based lending
Financing Receivable, Past Due [Line Items]
Loans and leases	7	0
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Factoring
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Lease financing
Financing Receivable, Past Due [Line Items]
Loans and leases	4,932	4,909
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Insurance premium finance
Financing Receivable, Past Due [Line Items]
Loans and leases	1,149	1,415
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | SBA/USDA
Financing Receivable, Past Due [Line Items]
Loans and leases	1,462	66
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Other commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	24,631	18,269
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Consumer credit products
Financing Receivable, Past Due [Line Items]
Loans and leases	4,092	713
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Other consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	1,737	963
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	5,829	1,676
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Tax services
Financing Receivable, Past Due [Line Items]
Loans and leases	830	0
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | National Lending | Warehouse finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 30-59 Days Past Due | Community Banking
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans and leases	8,049	8,200
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | Total loans and leases held for investment
Financing Receivable, Past Due [Line Items]
Loans and leases	8,049	8,200
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Loans held for sale
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Term lending
Financing Receivable, Past Due [Line Items]
Loans and leases	1,495	2,703
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Asset based lending
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Factoring
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Lease financing
Financing Receivable, Past Due [Line Items]
Loans and leases	0	3,336
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Insurance premium finance
Financing Receivable, Past Due [Line Items]
Loans and leases	768	375
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | SBA/USDA
Financing Receivable, Past Due [Line Items]
Loans and leases	311	974
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Other commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	2,574	7,388
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Consumer credit products
Financing Receivable, Past Due [Line Items]
Loans and leases	3,489	527
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Other consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	1,986	285
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	5,475	812
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Tax services
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | National Lending | Warehouse finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | 60-89 Days Past Due | Community Banking
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans and leases	16,808	24,637
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | Total loans and leases held for investment
Financing Receivable, Past Due [Line Items]
Loans and leases	16,808	24,637
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Loans held for sale
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Term lending
Financing Receivable, Past Due [Line Items]
Loans and leases	5,243	5,452
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Asset based lending
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Factoring
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Lease financing
Financing Receivable, Past Due [Line Items]
Loans and leases	4,199	8,401
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Insurance premium finance
Financing Receivable, Past Due [Line Items]
Loans and leases	955	599
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | SBA/USDA
Financing Receivable, Past Due [Line Items]
Loans and leases	1,597	987
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Other commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	11,994	15,439
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Consumer credit products
Financing Receivable, Past Due [Line Items]
Loans and leases	3,050	511
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Other consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	1,764	725
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	4,814	1,236
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Tax services
Financing Receivable, Past Due [Line Items]
Loans and leases	0	7,962
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | National Lending | Warehouse finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | > 89 Days Past Due | Community Banking
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans and leases	56,147	52,782
Accruing and Nonaccruing Loans and Leases | Total Past Due | Total loans and leases held for investment
Financing Receivable, Past Due [Line Items]
Loans and leases	56,147	52,782
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Loans held for sale
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Term lending
Financing Receivable, Past Due [Line Items]
Loans and leases	23,819	20,034
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Asset based lending
Financing Receivable, Past Due [Line Items]
Loans and leases	7	0
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Factoring
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Lease financing
Financing Receivable, Past Due [Line Items]
Loans and leases	9,131	16,646
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Insurance premium finance
Financing Receivable, Past Due [Line Items]
Loans and leases	2,872	2,389
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | SBA/USDA
Financing Receivable, Past Due [Line Items]
Loans and leases	3,370	2,027
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Other commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	39,199	41,096
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Consumer credit products
Financing Receivable, Past Due [Line Items]
Loans and leases	10,631	1,751
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Other consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	5,487	1,973
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	16,118	3,724
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Tax services
Financing Receivable, Past Due [Line Items]
Loans and leases	830	7,962
Accruing and Nonaccruing Loans and Leases | Total Past Due | National Lending | Warehouse finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | Total Past Due | Community Banking
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Accruing and Nonaccruing Loans and Leases | Current
Financing Receivable, Past Due [Line Items]
Loans and leases	3,701,356	3,611,227
Accruing and Nonaccruing Loans and Leases | Current | Total loans and leases held for investment
Financing Receivable, Past Due [Line Items]
Loans and leases	3,669,946	3,555,033
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Loans held for sale
Financing Receivable, Past Due [Line Items]
Loans and leases	31,410	56,194
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Term lending
Financing Receivable, Past Due [Line Items]
Loans and leases	1,087,257	940,985
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Asset based lending
Financing Receivable, Past Due [Line Items]
Loans and leases	382,348	300,225
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Factoring
Financing Receivable, Past Due [Line Items]
Loans and leases	394,865	363,670
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Lease financing
Financing Receivable, Past Due [Line Items]
Loans and leases	226,266	249,404
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Insurance premium finance
Financing Receivable, Past Due [Line Items]
Loans and leases	400,809	426,478
Accruing and Nonaccruing Loans and Leases | Current | National Lending | SBA/USDA
Financing Receivable, Past Due [Line Items]
Loans and leases	210,825	245,729
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Other commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	173,260	157,908
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	2,875,630	2,684,399
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Consumer credit products
Financing Receivable, Past Due [Line Items]
Loans and leases	161,216	127,500
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Other consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	106,435	121,633
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	267,651	249,133
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Tax services
Financing Receivable, Past Due [Line Items]
Loans and leases	85,169	2,443
Accruing and Nonaccruing Loans and Leases | Current | National Lending | Warehouse finance
Financing Receivable, Past Due [Line Items]
Loans and leases	441,496	419,926
Accruing and Nonaccruing Loans and Leases | Current | Community Banking
Financing Receivable, Past Due [Line Items]
Loans and leases	0	199,132
Nonperforming Loans and Leases
Financing Receivable, Past Due [Line Items]
Loans and leases	35,842	55,932
Nonaccrual Balance	25,327	34,245
Nonperforming Loans and Leases | Total loans and leases held for investment
Financing Receivable, Past Due [Line Items]
Loans and leases	35,842	55,932
Nonaccrual Balance	25,327	34,245
Nonperforming Loans and Leases | National Lending | Loans held for sale
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Nonaccrual Balance	0	0
Nonperforming Loans and Leases | National Lending | Term lending
Financing Receivable, Past Due [Line Items]
Loans and leases	11,683	17,462
Nonaccrual Balance	10,283	14,904
Nonperforming Loans and Leases | National Lending | Asset based lending
Financing Receivable, Past Due [Line Items]
Loans and leases	5,996	0
Nonaccrual Balance	5,996	0
Nonperforming Loans and Leases | National Lending | Factoring
Financing Receivable, Past Due [Line Items]
Loans and leases	3,961	1,268
Nonaccrual Balance	3,961	1,268
Nonperforming Loans and Leases | National Lending | Lease financing
Financing Receivable, Past Due [Line Items]
Loans and leases	6,410	11,503
Nonaccrual Balance	3,064	3,158
Nonperforming Loans and Leases | National Lending | Insurance premium finance
Financing Receivable, Past Due [Line Items]
Loans and leases	955	599
Nonaccrual Balance	0	0
Nonperforming Loans and Leases | National Lending | SBA/USDA
Financing Receivable, Past Due [Line Items]
Loans and leases	2,023	987
Nonaccrual Balance	2,023	0
Nonperforming Loans and Leases | National Lending | Other commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Nonaccrual Balance	0	0
Nonperforming Loans and Leases | National Lending | Commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	31,028	31,819
Nonaccrual Balance	25,327	19,330
Nonperforming Loans and Leases | National Lending | Consumer credit products
Financing Receivable, Past Due [Line Items]
Loans and leases	3,050	511
Nonaccrual Balance	0	0
Nonperforming Loans and Leases | National Lending | Other consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	1,764	725
Nonaccrual Balance	0	0
Nonperforming Loans and Leases | National Lending | Consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	4,814	1,236
Nonaccrual Balance	0	0
Nonperforming Loans and Leases | National Lending | Tax services
Financing Receivable, Past Due [Line Items]
Loans and leases	0	7,962
Nonaccrual Balance	0	0
Nonperforming Loans and Leases | National Lending | Warehouse finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Nonaccrual Balance	0	0
Nonperforming Loans and Leases | Community Banking
Financing Receivable, Past Due [Line Items]
Loans and leases	0	14,915
Nonaccrual Balance	0	14,915
Nonperforming Loans and Leases | > 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans and leases	10,515	21,687
Nonperforming Loans and Leases | > 89 Days Past Due | Total loans and leases held for investment
Financing Receivable, Past Due [Line Items]
Loans and leases	10,515	21,687
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Loans held for sale
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Term lending
Financing Receivable, Past Due [Line Items]
Loans and leases	1,400	2,558
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Asset based lending
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Factoring
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Lease financing
Financing Receivable, Past Due [Line Items]
Loans and leases	3,346	8,345
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Insurance premium finance
Financing Receivable, Past Due [Line Items]
Loans and leases	955	599
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | SBA/USDA
Financing Receivable, Past Due [Line Items]
Loans and leases	0	987
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Other commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Commercial finance
Financing Receivable, Past Due [Line Items]
Loans and leases	5,701	12,489
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Consumer credit products
Financing Receivable, Past Due [Line Items]
Loans and leases	3,050	511
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Other consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	1,764	725
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Consumer finance
Financing Receivable, Past Due [Line Items]
Loans and leases	4,814	1,236
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Tax services
Financing Receivable, Past Due [Line Items]
Loans and leases	0	7,962
Nonperforming Loans and Leases | > 89 Days Past Due | National Lending | Warehouse finance
Financing Receivable, Past Due [Line Items]
Loans and leases	0	0
Nonperforming Loans and Leases | > 89 Days Past Due | Community Banking
Financing Receivable, Past Due [Line Items]
Loans and leases	$ 0	$ 0

LOANS AND LEASES, NET - Nonaccr

LOANS AND LEASES, NET - Nonaccrual (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financing Receivable, Nonaccrual [Line Items]
Loans and leases	$ 3,730,190	$ 3,609,563
Nonaccrual Loans
Financing Receivable, Nonaccrual [Line Items]
2022	158
2021	710
2020	4,128
2019	9,041
2018	888
Prior	445
Revolving Loans and Leases	9,957
Loans and leases	25,327
Nonaccrual with No ACL	6,483
Nonaccrual Loans | National Lending | Term lending
Financing Receivable, Nonaccrual [Line Items]
2022	158
2021	688
2020	2,018
2019	6,851
2018	448
Prior	120
Revolving Loans and Leases	0
Loans and leases	10,283
Nonaccrual with No ACL	2,958
Nonaccrual Loans | National Lending | Asset based lending
Financing Receivable, Nonaccrual [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving Loans and Leases	5,996
Loans and leases	5,996
Nonaccrual with No ACL	0
Nonaccrual Loans | National Lending | Factoring
Financing Receivable, Nonaccrual [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving Loans and Leases	3,961
Loans and leases	3,961
Nonaccrual with No ACL	3,525
Nonaccrual Loans | National Lending | Lease financing
Financing Receivable, Nonaccrual [Line Items]
2022	0
2021	0
2020	420
2019	2,190
2018	440
Prior	14
Revolving Loans and Leases	0
Loans and leases	3,064
Nonaccrual with No ACL	0
Nonaccrual Loans | National Lending | SBA/USDA
Financing Receivable, Nonaccrual [Line Items]
2022	0
2021	22
2020	1,690
2019	0
2018	0
Prior	311
Revolving Loans and Leases	0
Loans and leases	2,023
Nonaccrual with No ACL	0
Nonaccrual Loans | National Lending | Commercial finance
Financing Receivable, Nonaccrual [Line Items]
2022	158
2021	710
2020	4,128
2019	9,041
2018	888
Prior	445
Revolving Loans and Leases	9,957
Loans and leases	25,327
Nonaccrual with No ACL	6,483
90 or More Days Delinquent and Accruing
Financing Receivable, Nonaccrual [Line Items]
2022	3,442
2021	4,886
2020	991
2019	352
2018	148
Prior	696
Revolving Loans and Leases	0
Loans and leases	10,515
90 or More Days Delinquent and Accruing | National Lending | Term lending
Financing Receivable, Nonaccrual [Line Items]
2022	421
2021	330
2020	549
2019	100
2018	0
Prior	0
Revolving Loans and Leases	0
Loans and leases	1,400
90 or More Days Delinquent and Accruing | National Lending | Lease financing
Financing Receivable, Nonaccrual [Line Items]
2022	1,680
2021	883
2020	398
2019	161
2018	128
Prior	96
Revolving Loans and Leases	0
Loans and leases	3,346
90 or More Days Delinquent and Accruing | National Lending | Insurance premium finance
Financing Receivable, Nonaccrual [Line Items]
2022	188
2021	762
2020	5
2019	0
2018	0
Prior	0
Revolving Loans and Leases	0
Loans and leases	955
90 or More Days Delinquent and Accruing | National Lending | Commercial finance
Financing Receivable, Nonaccrual [Line Items]
2022	2,289
2021	1,975
2020	952
2019	261
2018	128
Prior	96
Revolving Loans and Leases	0
Loans and leases	5,701
90 or More Days Delinquent and Accruing | National Lending | Consumer credit products
Financing Receivable, Nonaccrual [Line Items]
2022	119
2021	2,781
2020	39
2019	91
2018	20
Prior	0
Revolving Loans and Leases	0
Loans and leases	3,050
90 or More Days Delinquent and Accruing | National Lending | Other consumer finance
Financing Receivable, Nonaccrual [Line Items]
2022	1,034
2021	130
2020	0
2019	0
2018	0
Prior	600
Revolving Loans and Leases	0
Loans and leases	1,764
90 or More Days Delinquent and Accruing | National Lending | Consumer finance
Financing Receivable, Nonaccrual [Line Items]
2022	1,153
2021	2,911
2020	39
2019	91
2018	20
Prior	600
Revolving Loans and Leases	0
Loans and leases	$ 4,814

LOANS AND LEASES, NET - Trouble

LOANS AND LEASES, NET - Troubled Debt Restructured Loans (Details) - USD ($)	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
National Lending | Commercial finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDRs recorded investment	$ 200,000	$ 2,100,000	$ 10,300,000	$ 2,100,000
TDRs subsequent default, recorded investment			2,600,000
National Lending | Consumer finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDRs recorded investment	$ 200,000		200,000	100,000
TDRs subsequent default, recorded investment			$ 800,000	100,000
Community Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDRs recorded investment		$ 0		0
TDRs subsequent default, recorded investment				$ 0

EARNINGS PER COMMON SHARE ("E_3

EARNINGS PER COMMON SHARE ("EPS") (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Basic income per common share:
Net income attributable to Meta Financial Group, Inc.	$ 49,251	$ 59,066	$ 110,575	$ 87,103
Dividends and undistributed earnings allocated to participating securities	(815)	(1,113)	(1,773)	(1,683)
Basic net earnings available to common stockholders	48,436	57,953	108,802	85,420
Undistributed earnings allocated to nonvested restricted stockholders	791	1,083	1,724	1,620
Reallocation of undistributed earnings to nonvested restricted stockholders	(791)	(1,082)	(1,723)	(1,619)
Diluted net earnings available to common stockholders	$ 48,436	$ 57,954	$ 108,803	$ 85,421
Total weighted average common shares outstanding (in shares)	29,212,301	31,520,505	29,731,797	32,158,994
Effect of dilutive securities
Total effect of dilutive securities (in shares)	12,061	14,517	17,035	16,490
Weighted average dilutive common shares outstanding (in shares)	29,224,362	31,535,022	29,748,832	32,175,484
Net earnings per common share:
Basic income per common share (in dollars per share)	$ 1.66	$ 1.84	$ 3.66	$ 2.66
Diluted income per common share (in dollars per share)	$ 1.66	$ 1.84	$ 3.66	$ 2.65
Weighted average shares of nonvested restricted stock, antidilutive (in shares)	491,621	605,459	484,457	633,553
Performance share units
Effect of dilutive securities
Outstanding options - based upon the two-class method (in shares)	12,061	14,517	17,035	16,490

RENTAL EQUIPMENT, NET - Schedul

RENTAL EQUIPMENT, NET - Schedule of Rental Equipment (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Property, Plant and Equipment [Line Items]
Total	$ 291,164	$ 279,364
Accumulated depreciation	(79,579)	(67,825)
Unamortized initial direct costs	1,448	1,577
Net book value	213,033	213,116
Computers and IT networking equipment
Property, Plant and Equipment [Line Items]
Total	21,125	17,683
Motor vehicles and other
Property, Plant and Equipment [Line Items]
Total	97,106	87,396
Office furniture and equipment
Property, Plant and Equipment [Line Items]
Total	44,382	48,828
Solar panels and equipment
Property, Plant and Equipment [Line Items]
Total	$ 128,551	$ 125,457

RENTAL EQUIPMENT, NET - Sched_2

RENTAL EQUIPMENT, NET - Schedule of Operating Leases, Future Minimum Payments (Details) $ in Thousands	Mar. 31, 2022USD ($)
Property, Plant and Equipment [Abstract]
Remaining in 2022	$ 19,801
2023	34,172
2024	26,211
2025	18,884
2026	10,789
Thereafter	14,332
Total undiscounted future minimum lease payments receivable for operating leases	$ 124,189

GOODWILL AND INTANGIBLE ASSET_2

GOODWILL AND INTANGIBLE ASSETS - Narrative (Details) - USD ($)	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Total goodwill	$ 309,505,000	$ 309,505,000
Goodwill, accumulated impairment	0
Asset impairment charges	$ 0	$ 0

GOODWILL AND INTANGIBLE ASSET_3

GOODWILL AND INTANGIBLE ASSETS - Schedule of Intangible Asses (Details) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Finite-lived Intangible Assets [Roll Forward]
Beginning Balance	$ 33,148	$ 41,692
Acquisitions during the period	1	5
Amortization during the period	(3,657)	(4,770)
Write-offs during the period	(202)	(24)
Ending Balance	29,290	36,903
Gross carrying amount	109,133	109,316
Accumulated amortization	(69,377)	(61,947)
Accumulated impairment	(10,466)	(10,466)
Total anticipated intangible amortization	29,290	36,903
Trademarks
Finite-lived Intangible Assets [Roll Forward]
Beginning Balance	9,823	10,901
Acquisitions during the period	0	0
Amortization during the period	(526)	(544)
Write-offs during the period	0	0
Ending Balance	9,297	10,357
Gross carrying amount	14,624	14,624
Accumulated amortization	(5,327)	(4,267)
Accumulated impairment	0	0
Total anticipated intangible amortization	$ 9,297	10,357
Trademarks | Minimum
Finite-lived Intangible Assets [Roll Forward]
Useful life	5 years
Trademarks | Maximum
Finite-lived Intangible Assets [Roll Forward]
Useful life	15 years
Noncompete
Finite-lived Intangible Assets [Roll Forward]
Beginning Balance	$ 40	422
Acquisitions during the period	0	0
Amortization during the period	(40)	(191)
Write-offs during the period	0	0
Ending Balance	0	231
Gross carrying amount	2,481	2,481
Accumulated amortization	(2,481)	(2,250)
Accumulated impairment	0	0
Total anticipated intangible amortization	$ 0	231
Noncompete | Minimum
Finite-lived Intangible Assets [Roll Forward]
Useful life	3 years
Noncompete | Maximum
Finite-lived Intangible Assets [Roll Forward]
Useful life	5 years
Customer Relationships
Finite-lived Intangible Assets [Roll Forward]
Beginning Balance	$ 17,868	24,333
Acquisitions during the period	0	0
Amortization during the period	(2,829)	(3,716)
Write-offs during the period	0	0
Ending Balance	15,039	20,617
Gross carrying amount	82,088	82,088
Accumulated amortization	(56,801)	(51,223)
Accumulated impairment	(10,248)	(10,248)
Total anticipated intangible amortization	$ 15,039	20,617
Customer Relationships | Minimum
Finite-lived Intangible Assets [Roll Forward]
Useful life	10 years
Customer Relationships | Maximum
Finite-lived Intangible Assets [Roll Forward]
Useful life	30 years
Other Intangible Assets
Finite-lived Intangible Assets [Roll Forward]
Beginning Balance	$ 5,417	6,036
Acquisitions during the period	1	5
Amortization during the period	(262)	(319)
Write-offs during the period	(202)	(24)
Ending Balance	4,954	5,698
Gross carrying amount	9,940	10,123
Accumulated amortization	(4,768)	(4,207)
Accumulated impairment	(218)	(218)
Total anticipated intangible amortization	$ 4,954	$ 5,698
Other Intangible Assets | Minimum
Finite-lived Intangible Assets [Roll Forward]
Useful life	3 years
Other Intangible Assets | Maximum
Finite-lived Intangible Assets [Roll Forward]
Useful life	20 years

GOODWILL AND INTANGIBLE ASSET_4

GOODWILL AND INTANGIBLE ASSETS - Schedule of Future Amortization (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021	Sep. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Remaining in 2022	$ 2,763
2023	5,101
2024	4,383
2025	3,826
2026	3,252
Thereafter	9,965
Total anticipated intangible amortization	$ 29,290	$ 33,148	$ 36,903	$ 41,692

OPERATING LEASE RIGHT-OF-USE _3

OPERATING LEASE RIGHT-OF-USE ASSETS AND LIABILITIES - Narrative (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Mar. 31, 2021
Leases [Abstract]
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Operating lease, right-of-use asset	$ 31,800	$ 36,100
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Operating lease, liability	$ 33,645	$ 38,100

OPERATING LEASE RIGHT-OF-USE _4

OPERATING LEASE RIGHT-OF-USE ASSETS AND LIABILITIES - Lease Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Mar. 31, 2021
Leases [Abstract]
Remaining in 2022	$ 2,192
2023	3,892
2024	3,854
2025	3,718
2026	3,195
Thereafter	21,732
Total undiscounted future minimum lease payments	38,583
Discount	(4,938)
Total operating lease liabilities	$ 33,645	$ 38,100

OPERATING LEASE RIGHT-OF-USE _5

OPERATING LEASE RIGHT-OF-USE ASSETS AND LIABILITIES - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Leases [Abstract]
Weighted-average discount rate	2.34%		2.34%
Weighted-average remaining lease term (years)	10 years 9 months		10 years 9 months
Lease expense	$ 1,119	$ 991	$ 2,256	$ 1,945
Short-term and variable lease cost	40	69	75	132
ROU asset impairment	0	0	0	224
Sublease income	(355)	(177)	(531)	(285)
Total lease cost for operating leases	$ 804	$ 883	$ 1,800	$ 2,016

STOCKHOLDERS' EQUITY (Details)

STOCKHOLDERS' EQUITY (Details) - USD ($) $ in Millions	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Sep. 07, 2021	Nov. 20, 2019
Equity, Class of Treasury Stock [Line Items]
Stock repurchased during the period (in shares)	64,536	84,121
Stock repurchased during the period, value	$ 3.7	$ 1.9
Common Stock
Equity, Class of Treasury Stock [Line Items]
Shares authorized to be repurchased (in shares)			6,000,000	7,500,000
Stock repurchased under repurchase program (in shares)	2,447,699	2,599,458
Remaining number of shares authorized to be repurchased (in shares)	4,868,177

STOCK COMPENSATION (Details)

STOCK COMPENSATION (Details) $ / shares in Units, $ in Millions	6 Months Ended
	Mar. 31, 2022USD ($)$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options exercisable (in shares)	0
Weighted Average Fair Value at Grant
Stock based compensation expense not yet recognized in income | $	$ 10.8
Weighted average remaining period for unrecognized stock based compensation (in years)	1 year 7 months 17 days
Restricted Shares
Number of Shares
Nonvested shares outstanding, beginning of period (in shares)	547,063
Granted (in shares)	161,930
Vested (in shares)	(197,423)
Forfeited or expired (in shares)	(11,788)
Nonvested shares outstanding, end of period (in shares)	499,782
Weighted Average Fair Value at Grant
Nonvested shares outstanding, beginning of period (in dollars per share) | $ / shares	$ 30.22
Granted (in dollars per share) | $ / shares	57.37
Vested (in dollars per share) | $ / shares	34.29
Forfeited or expired (in dollars per share) | $ / shares	42.19
Nonvested shares outstanding, end of period (in dollars per share) | $ / shares	$ 37.13
Performance share units
Number of Shares
Nonvested shares outstanding, beginning of period (in shares)	60,984
Granted (in shares)	35,705
Vested (in shares)	0
Forfeited or expired (in shares)	0
Nonvested shares outstanding, end of period (in shares)	96,689
Weighted Average Fair Value at Grant
Nonvested shares outstanding, beginning of period (in dollars per share) | $ / shares	$ 34.03
Granted (in dollars per share) | $ / shares	57.20
Vested (in dollars per share) | $ / shares	0
Forfeited or expired (in dollars per share) | $ / shares	0
Nonvested shares outstanding, end of period (in dollars per share) | $ / shares	$ 42.59

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Income Tax Disclosure [Abstract]
Income tax expense (benefit)	$ 8,002	$ 1,133	$ 22,278	$ 4,665
Effective tax rate			16.66%	4.97%

INCOME TAXES - Schedule of Effe

INCOME TAXES - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Income Tax Disclosure [Abstract]
Provision at statutory rate			$ 27,899	$ 19,271
Tax-exempt income			(362)	(486)
State income taxes			5,543	4,135
Interim period effective rate adjustment			(3,870)	(3,116)
Tax credit investments, net - federal			(5,978)	(15,464)
Research tax credit			(355)	(323)
IRC 162(m) nondeductible compensation			505	487
Other, net			(1,104)	161
Income tax expense	$ 8,002	$ 1,133	$ 22,278	$ 4,665
Effective tax rate			16.66%	4.97%

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Schedule of Revenue by Segment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Disaggregation of Revenue [Line Items]
Net interest income	$ 83,800	$ 73,850	$ 155,413	$ 139,849
Net realized (gain) on securities available for sale, net	260	6	397	6
Gain on sale of trademarks	0	0	50,000	0
Gain (loss) on sale of other	626	2,133	(2,839)	4,981
Other income	3,881	4,218	5,542	11,532
Noninterest income	109,766	113,453	196,357	158,908
Revenue	193,566	187,303	351,770	298,757
Refund transfer product fees
Disaggregation of Revenue [Line Items]
Noninterest income	27,805	22,680	28,384	23,327
Tax advance product fees
Disaggregation of Revenue [Line Items]
Noninterest income	39,299	44,562	40,532	46,522
Payments card and deposit fees
Disaggregation of Revenue [Line Items]
Noninterest income	26,270	29,875	51,402	52,439
Other bank and deposit fees
Disaggregation of Revenue [Line Items]
Noninterest income	250	133	487	370
Rental income
Disaggregation of Revenue [Line Items]
Noninterest income	11,375	9,846	22,452	19,731
Consumer
Disaggregation of Revenue [Line Items]
Net interest income	30,156	25,085	56,427	47,432
Net realized (gain) on securities available for sale, net	0	0	0	0
Gain on sale of trademarks			0	0
Gain (loss) on sale of other	0	0	0	0
Other income	1,387	919	2,152	1,078
Noninterest income	94,761	98,041	122,470	123,376
Revenue	124,917	123,126	178,897	170,808
Consumer | Refund transfer product fees
Disaggregation of Revenue [Line Items]
Noninterest income	27,805	22,680	28,384	23,327
Consumer | Tax advance product fees
Disaggregation of Revenue [Line Items]
Noninterest income	39,299	44,562	40,532	46,522
Consumer | Payments card and deposit fees
Disaggregation of Revenue [Line Items]
Noninterest income	26,270	29,875	51,402	52,439
Consumer | Other bank and deposit fees
Disaggregation of Revenue [Line Items]
Noninterest income	0	0	0	0
Consumer | Rental income
Disaggregation of Revenue [Line Items]
Noninterest income	0	5	0	10
Commercial
Disaggregation of Revenue [Line Items]
Net interest income	44,879	42,404	89,805	84,252
Net realized (gain) on securities available for sale, net	0	0	0	0
Gain on sale of trademarks			0	0
Gain (loss) on sale of other	1,229	1,624	6,093	4,216
Other income	2,839	2,349	5,624	4,809
Noninterest income	15,537	13,940	34,494	29,106
Revenue	60,416	56,344	124,299	113,358
Commercial | Refund transfer product fees
Disaggregation of Revenue [Line Items]
Noninterest income	0	0	0	0
Commercial | Tax advance product fees
Disaggregation of Revenue [Line Items]
Noninterest income	0	0	0	0
Commercial | Payments card and deposit fees
Disaggregation of Revenue [Line Items]
Noninterest income	0	0	0	0
Commercial | Other bank and deposit fees
Disaggregation of Revenue [Line Items]
Noninterest income	244	126	475	360
Commercial | Rental income
Disaggregation of Revenue [Line Items]
Noninterest income	11,225	9,841	22,302	19,721
Corporate Services/Other
Disaggregation of Revenue [Line Items]
Net interest income	8,765	6,361	9,181	8,165
Net realized (gain) on securities available for sale, net	260	6	397	6
Gain on sale of trademarks			50,000	0
Gain (loss) on sale of other	(603)	509	(8,932)	765
Other income	(345)	950	(2,234)	5,645
Noninterest income	(532)	1,472	39,393	6,426
Revenue	8,233	7,833	48,574	14,591
Corporate Services/Other | Refund transfer product fees
Disaggregation of Revenue [Line Items]
Noninterest income	0	0	0	0
Corporate Services/Other | Tax advance product fees
Disaggregation of Revenue [Line Items]
Noninterest income	0	0	0	0
Corporate Services/Other | Payments card and deposit fees
Disaggregation of Revenue [Line Items]
Noninterest income	0	0	0	0
Corporate Services/Other | Other bank and deposit fees
Disaggregation of Revenue [Line Items]
Noninterest income	6	7	12	10
Corporate Services/Other | Rental income
Disaggregation of Revenue [Line Items]
Noninterest income	$ 150	$ 0	$ 150	$ 0

REVENUE FROM CONTRACTS WITH C_4

REVENUE FROM CONTRACTS WITH CUSTOMERS - Narrative (Details) - USD ($)	Mar. 31, 2022	Sep. 30, 2021
Refund transfer product fees
Disaggregation of Revenue [Line Items]
Accounts receivable, before allowance for credit loss, current	$ 0	$ 0

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022USD ($)	Mar. 31, 2021USD ($)	Mar. 31, 2022USD ($)segment	Mar. 31, 2021USD ($)	Sep. 30, 2021USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | segment			3
Segment data [Abstract]
Net interest income	$ 83,800	$ 73,850	$ 155,413	$ 139,849
Provision (Reversal)	32,302	30,290	32,488	36,379
Noninterest income	109,766	113,453	196,357	158,908
Noninterest expense	103,160	95,971	185,596	168,546
Income before income tax expense	58,104	61,042	133,686	93,832
Total assets	6,887,239	9,790,123	6,887,239	9,790,123	$ 6,690,650
Total goodwill	309,505	309,505	309,505	309,505
Total deposits	5,829,886	8,642,413	5,829,886	8,642,413
Consumer
Segment data [Abstract]
Net interest income	30,156	25,085	56,427	47,432
Provision (Reversal)	29,685	28,020	30,946	30,386
Noninterest income	94,761	98,041	122,470	123,376
Noninterest expense	29,892	30,189	49,553	48,351
Income before income tax expense	65,340	64,917	98,398	92,071
Total assets	456,335	531,305	456,335	531,305
Total goodwill	87,145	87,145	87,145	87,145
Total deposits	5,693,063	8,447,910	5,693,063	8,447,910
Commercial
Segment data [Abstract]
Net interest income	44,879	42,404	89,805	84,252
Provision (Reversal)	2,205	2,203	13,797	8,670
Noninterest income	15,537	13,940	34,494	29,106
Noninterest expense	31,457	27,829	64,504	54,997
Income before income tax expense	26,754	26,312	45,998	49,691
Total assets	3,355,196	3,030,088	3,355,196	3,030,088
Total goodwill	222,360	222,360	222,360	222,360
Total deposits	6,882	12,177	6,882	12,177
Corporate Services/Other
Segment data [Abstract]
Net interest income	8,765	6,361	9,181	8,165
Provision (Reversal)	412	67	(12,255)	(2,677)
Noninterest income	(532)	1,472	39,393	6,426
Noninterest expense	41,811	37,953	71,539	65,198
Income before income tax expense	(33,990)	(30,187)	(10,710)	(47,930)
Total assets	3,075,708	6,228,730	3,075,708	6,228,730
Total goodwill	0	0	0	0
Total deposits	$ 129,941	$ 182,326	$ 129,941	$ 182,326

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS - Assets Measured at Fair Value on Recurring and Non-recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Level 1
Available-for-sale debt securities [Abstract]
Total debt securities AFS	$ 0	$ 0
Common equities and mutual funds	3,853	12,668
Level 2
Available-for-sale debt securities [Abstract]
Total debt securities AFS	2,043,478	1,864,899
Common equities and mutual funds	0	0
Level 3
Available-for-sale debt securities [Abstract]
Total debt securities AFS	0	0
Common equities and mutual funds	0	0
Recurring
Available-for-sale debt securities [Abstract]
Corporate securities	23,250	25,000
SBA securities	137,400	157,209
Obligations of states and political subdivisions	2,706	2,507
Non-bank qualified obligations of states and political subdivisions	240,423	268,295
Asset-backed securities	353,581	394,859
Mortgage-backed securities	1,286,118	1,017,029
Total debt securities AFS	2,043,478	1,864,899
Common equities and mutual funds	3,853	12,668
Non-marketable equity securities	6,165	4,560
Recurring | Level 1
Available-for-sale debt securities [Abstract]
Corporate securities	0	0
SBA securities	0	0
Obligations of states and political subdivisions	0	0
Non-bank qualified obligations of states and political subdivisions	0	0
Asset-backed securities	0	0
Mortgage-backed securities	0	0
Total debt securities AFS	0	0
Common equities and mutual funds	3,853	12,668
Non-marketable equity securities	0	0
Recurring | Level 2
Available-for-sale debt securities [Abstract]
Corporate securities	23,250	25,000
SBA securities	137,400	157,209
Obligations of states and political subdivisions	2,706	2,507
Non-bank qualified obligations of states and political subdivisions	240,423	268,295
Asset-backed securities	353,581	394,859
Mortgage-backed securities	1,286,118	1,017,029
Total debt securities AFS	2,043,478	1,864,899
Common equities and mutual funds	0	0
Non-marketable equity securities	0	0
Recurring | Level 3
Available-for-sale debt securities [Abstract]
Corporate securities	0	0
SBA securities	0	0
Obligations of states and political subdivisions	0	0
Non-bank qualified obligations of states and political subdivisions	0	0
Asset-backed securities	0	0
Mortgage-backed securities	0	0
Total debt securities AFS	0	0
Common equities and mutual funds	0	0
Non-marketable equity securities	$ 0	$ 0

FAIR VALUE OF FINANCIAL INSTR_4

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) $ in Thousands	6 Months Ended
	Mar. 31, 2022USD ($)	Sep. 30, 2021USD ($)
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Foreclosed assets, net	$ 112	$ 2,077
Minimum
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Range of estimated selling cost (percentage)	4.00%
Maximum
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Range of estimated selling cost (percentage)	35.00%
Valuation, Market Approach | Minimum | Discount Rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Measurement input	0.04
Valuation, Market Approach | Maximum | Discount Rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Measurement input	0.35
Level 1
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 0	0
Level 2
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	0	0
Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	3,642,987	3,616,646
Total loans and leases, net individually evaluated for credit loss | Level 3 | Valuation, Market Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 8,006	12,775
Total loans and leases, net individually evaluated for credit loss | Level 3 | Valuation, Market Approach | Minimum
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Range of estimated selling cost (percentage)	4.00%
Total loans and leases, net individually evaluated for credit loss | Level 3 | Valuation, Market Approach | Maximum
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Range of estimated selling cost (percentage)	35.00%
Foreclosed assets, net | Level 3 | Valuation, Market Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 112	2,077
Foreclosed assets, net | Level 3 | Valuation, Market Approach | Minimum
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Range of estimated selling cost (percentage)	9.00%
Foreclosed assets, net | Level 3 | Valuation, Market Approach | Maximum
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Range of estimated selling cost (percentage)	20.00%
Nonrecurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 8,118	14,852
Nonrecurring | Level 1
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	0	0
Nonrecurring | Level 2
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	0	0
Nonrecurring | Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	8,118	14,852
Nonrecurring | Commercial finance
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	8,006	3,404
Nonrecurring | Commercial finance | Level 1
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	0	0
Nonrecurring | Commercial finance | Level 2
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	0	0
Nonrecurring | Commercial finance | Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	8,006	3,404
Nonrecurring | Community banking
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value		9,371
Nonrecurring | Community banking | Level 1
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value		0
Nonrecurring | Community banking | Level 2
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value		0
Nonrecurring | Community banking | Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value		9,371
Nonrecurring | Total loans and leases, net individually evaluated for credit loss
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	8,006	12,775
Nonrecurring | Total loans and leases, net individually evaluated for credit loss | Level 1
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	0	0
Nonrecurring | Total loans and leases, net individually evaluated for credit loss | Level 2
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	0	0
Nonrecurring | Total loans and leases, net individually evaluated for credit loss | Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	8,006	12,775
Nonrecurring | Foreclosed assets, net
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Foreclosed assets, net	112	2,077
Nonrecurring | Foreclosed assets, net | Level 1
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Foreclosed assets, net	0	0
Nonrecurring | Foreclosed assets, net | Level 2
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Foreclosed assets, net	0	0
Nonrecurring | Foreclosed assets, net | Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Foreclosed assets, net	$ 112	$ 2,077

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS - Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021
Financial assets
Fair Value	$ 45,436	$ 56,391
Level 1
Financial assets
Cash and cash equivalents	237,680	314,019
Debt securities available for sale	0	0
Fair Value	0	0
Common equities and mutual funds	3,853	12,668
Non-marketable equity securities	0	0
Loans held for sale	0	0
Loans and leases	0	0
Federal Reserve Bank and Federal Home Loan Bank stocks	0	0
Accrued interest receivable	19,115	16,254
Financial liabilities
Deposits	5,818,128	5,482,471
Other short- and long-term borrowings	0	0
Accrued interest payable	571	579
Level 2
Financial assets
Cash and cash equivalents	0	0
Debt securities available for sale	2,043,478	1,864,899
Fair Value	45,436	56,391
Common equities and mutual funds	0	0
Non-marketable equity securities	17,949	12,949
Loans held for sale	31,410	56,194
Loans and leases	0	0
Federal Reserve Bank and Federal Home Loan Bank stocks	28,812	28,400
Accrued interest receivable	0	0
Financial liabilities
Deposits	11,663	32,564
Other short- and long-term borrowings	92,216	93,938
Accrued interest payable	0	0
Level 3
Financial assets
Cash and cash equivalents	0	0
Debt securities available for sale	0	0
Fair Value	0	0
Common equities and mutual funds	0	0
Non-marketable equity securities	0	0
Loans held for sale	0	0
Loans and leases	3,642,987	3,616,646
Federal Reserve Bank and Federal Home Loan Bank stocks	0	0
Accrued interest receivable	0	0
Financial liabilities
Deposits	0	0
Other short- and long-term borrowings	0	0
Accrued interest payable	0	0
Carrying Amount
Financial assets
Cash and cash equivalents	237,680	314,019
Debt securities available for sale	2,043,478	1,864,899
Fair Value	47,287	56,669
Common equities and mutual funds	3,853	12,668
Non-marketable equity securities	24,114	17,509
Loans held for sale	31,410	56,194
Loans and leases	3,726,093	3,607,815
Federal Reserve Bank and Federal Home Loan Bank stocks	28,812	28,400
Accrued interest receivable	19,115	16,254
Financial liabilities
Deposits	5,829,886	5,514,971
Other short- and long-term borrowings	91,386	92,834
Accrued interest payable	571	579
Estimated Fair Value
Financial assets
Cash and cash equivalents	237,680	314,019
Debt securities available for sale	2,043,478	1,864,899
Fair Value	45,436	56,391
Common equities and mutual funds	3,853	12,668
Non-marketable equity securities	24,114	17,509
Loans held for sale	31,410	56,194
Loans and leases	3,642,987	3,616,646
Federal Reserve Bank and Federal Home Loan Bank stocks	28,812	28,400
Accrued interest receivable	19,115	16,254
Financial liabilities
Deposits	5,829,791	5,515,035
Other short- and long-term borrowings	92,216	93,938
Accrued interest payable	$ 571	$ 579